Klook Protect Travel Insurance Review: Competitively Priced, High-coverage Plan For Adventure Lovers

Klook travel insurance, called Klook Protect, is an in-house plan with adventurous sports benefits. Here's everything you need to know about this insurance.

As a leading player in the travel bookings space, it is not surprising that Klook would also incorporate travel insurance into its offerings. Why not offer a one-stop service, so customers can secure their travel insurance and book their travel itineraries with Klook Travel  at the same time?

Klook Protect Travel Insurance, presently only available to those residing in Singapore, is underwritten by Zurich Insurance Company Ltd. What does this travel insurance plan offer, and should Klook customers make this their default choice?

Table of contents

• Product summary
• Why choose Klook Protect Travel Insurance?
• Klook Protect Travel Insurance – what does this plan exclude?
• Benefits, plans and pricing
• How much does Klook Protect Travel Insurance Cost?
• How to claim?
• Should you choose Klook Protect Travel Insurance? Pros and cons

Product summary

Why choose Klook Protect Travel Insurance?

Klook Protect Travel Insurance is well-designed for the typical needs of Klook customers. It has adventurous sports coverage included – and quite an extensive list at that – along with unlimited benefits for emergency evacuation, repatriation and travel assistance. The last will be helpful in paying for additional travel expenses during an emergency. 

Also, while there are three tiers of plans to choose from, the least expensive plan doesn't suffer from having too many benefits removed, as is the case with some insurers. Here, only two ancillary benefits – child education grant, and home contents cover – are not available, allowing the basic tier plan to be a credible alternative for those who really don’t need high coverage but still would like to be covered by a complete range of benefits.

Additionally, Klook Protect Travel Insurance also has some notable benefits, including high terrorism coverage of up to S$500,000, home contents cover of S$2,500 (Essential) or S$5,000 (Deluxe), and credit card indemnity up to S$4,000. 

And yes, Klook Protect offers COVID-19 coverage by default, no need to purchase an additional rider. Note that this policy is only available as a single-trip plan.  

Klook Protect Travel Insurance – what does this plan exclude?

We’ve highlighted some general exclusions in Klook Protect Travel Insurance. Be sure to check the policy wording for the full list of exclusions. 

Klook Protect Travel Insurance does not cover:

• Pre-existing conditions
• Self-inflicted injury or suicide
• Complication of pregnancy, childbirth, miscarriage (except accidental miscarriage) or abortion
• Activities while under the influence of drugs or alcohol
• Professional sports or competitions with expectation of prizes
• Psychological or psychiatric disorder, including depression and anxiety
• Being unfit to travel, or travelling against the advice of a Physician

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Benefits, plans and pricing

Key benefits of Klook Travel Protect 

Overseas medical and hospitalisation benefits

Klook Protect is no slouch in this area, offering up to S$200,000 in benefits for overseas medical expenses. 

Notably, you will receive the same amount of benefits for hospitalisation due to COVID-19, instead of a sub-limit which is the norm with many other insurers. Granted, COVID-19 is rarely a serious disease nowadays, but this still provides a greater degree of psychological comfort.

Additionally hospitalisation or quarantine due to COVID-19 will also grant you a daily cash benefit up to S$350, S$1,400 or S$2,100 in total, according to your plan tier. 

Emergency evacuation and personal accident benefits

This policy provides unlimited benefits for emergency evacuation, repatriation, as well as travel assistance. 

Travel assistance benefits cover the cost of round-trip travel for a relative or friend if you or your travel companions insured under the policy are hospitalised for five days or more due to serious illness or severe injury. 

Also included is high personal accident benefits of between S$100,000 to S$400,000, which will be helpful in allowing surviving family members to avoid financial hardship in the event of death or permanent disability. 

Travel inconvenience 

Whoa, that got grim for a moment there, but it’s kinda unavoidable when discussing insurance. 

Anyway, on to travel inconvenience benefits. Klook Protect offers a decently high coverage level if you have to cancel or curtail your trip – up to S$7,500 for the highest-tier plan. Also, there’s no COVID-19 sublimit, so you’ll still receive your full benefits!

Meanwhile, your luggage and personal items are covered against loss or damage up to S$2,000, S$3,000 or S$5,000. Do check the sub-limits for high-value items like laptops and cameras in your policy. 

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How much does Klook Protect Travel Insurance Cost?

We’ve mapped out how much Klook Protect Travel Insurance costs for a single adult traveller. Here’s what we found out. 

• For a 7-day trip in Southeast Asia, the premiums for Klook Protect ranges from S$27.65 to S$43.40.
• For a 7-day trip in the Asia-Pacific region, premiums for Klook Protect ranges from S$35.70 to S$56.70.
• For a 7-day trip in Europe, Klook Protect costs between S$69.96 to S$111.30.

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How to claim?

Follow these steps when making a claim against your Klook Protect Travel Insurance policy. For further details, refer to the Claims Guidance booklet. 

• Step 1: Prepare the necessary documents, including:
  • Claims from
  • Travel itinerary
  • Police report
  • Receipts and invoices
  • Hospital and medical bills
  • Personal details
  • Policy number
• Step 2: Submit your claims online at the Zurich Claims Submission Portal. Your claims will be processed and you will be informed of the outcome in due course.
  • In the event of a medical emergency, contact Zurich Assistance at +65 6260 0122.
• Step 3: For further assistance, reach out to Klook via the clams hotline hotline at +65 6260 0126.

Should you choose Klook Protect Travel Insurance? Pros and cons

Klook Protect Travel Insurance is a competent insurance policy with attractive premiums. Its high claims limits and full indemnity for COVID-19 further make it a worthy option for most travellers.

However, those who do not need adventurous sports cover may prefer not having to pay for the benefits, which are included by default. But to be fair, given how competitively priced this policy is, it’s hard to pick on this too much. 

It's important to note that Klook Protect Travel Insurance does not cover medical expenses related to pre-existing medical conditions. Travelers with chronic medical conditions who require coverage for potential medical emergencies during their trip may want to consider alternative travel insurance policies that provide coverage for pre-existing conditions.

To find the best travel insurance coverage at the lowest price, compare options easily with SingSaver. You can also enjoy exclusive discounts and rewards when you purchase through SingSaver.

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