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

Alevin Chan

Alevin Chan

Last updated 08 December, 2023

Klook Protect is an in-house travel insurance plan that comes with adventurous sports benefits, offering one-stop convenience to customers of the popular travel booking platform. Here’s everything you need to know about this plan. 

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 book their tickets and their travel policy 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

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 47% off  plus first 1,000 purchases will receive an eSIM by JetPac with 1GB data (Fulfillment by TIQ). Valid till 29 Feb 2024. T&Cs apply. Additionally, receive an Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 29 February 2024.

 

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.



Product summary

Type of policy

Travel

Policy cover

Single trip only

Plan types

3 (Lite, Essential, Deluxe)

COVID-19 benefits

Included

Adventurous sports cover

Included

Other notable features

- Child education fund up to S$20,000

- Unlimited benefits for emergency evacuation, repatriation and travel assistance


- Terrorism cover up to S$500,000


- Credit card indemnity up to S$4,000


- Home contents cover up to S$5,000


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

Back to top

 

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip and Annual Trip plans! Valid till 29 Feb 2024. Plus, receive an Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 29 February 2024. Additionally, buy now to receive:

  • 8 Max Miles on Heymax for every dollar spent on your premium (transferrable to 20+ popular airline or hotel partners at 1:1 ratio). Learn more about Max Miles . Valid till 29 February 2024.
  • OR a 1GB Airalo eSIM before you fly (with min net premium of S$60). Valid till 29 February 2024.
 
 

 

Benefits, plans and pricing

Key benefits of Klook Travel Protect 

Benefit

Lite

Essential

Deluxe

Overseas medical expenses (including COVID-19) 

S$100,000

S$150,000

S$200,000

Overseas daily hospital/quarantine benefit due to COVID-19

S$350

S$1,400

S$2,100

Emergency evacuation, repatriation and travel assistance

Unlimited

Unlimited

Unlimited

Personal accident

S$100,000

S$200,000

S$400,000

Travel cancellation 

(including COVID-19)

S$2,500

S$5,000

S$7,500

Travel curtailment 

(including COVID-19)

S$2,500

S$5,000

S$7,500

Loss or damage to baggage

S$2,000

S$3,000

S$5,000

Adventurous sports


Zip-lining, paragliding, skydiving, hot-air ballooning, helicopter, canoeing or white-water rafting up to Grade 3, jet skiing, scuba diving, ice-skating, skiing and winter sports, hiking or mountaineering up to 3,000 m above sea level

Covered

Covered

Covered

Terrorism cover

S$200,000

S$300,000

S$500,000

Home contents cover

Not covered

S$2,500

S$5,000


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. 

Back to top

How much does Klook Protect Travel Insurance Cost?

 

Lite

Essential

Deluxe

1 adult, 7 days in Thailand

S$27.65

S$30.10

S$43.40

1 adult, 7 days in Japan

S$35.70

S$39.20

S$56.70

1 adult, 7 days in United Kingdom

S$69.95

S$77.00

S$111.30

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.

Should you choose Klook Protect Travel Insurance? Pros and cons

Pros

Cons

Competitively priced with good range of benefits

No cover for pre-existing conditions

High protection levels, especially in the Deluxe plan

Adventurous sports benefits a waste for those not taking part

Adventurous sports covered by default

 

Credit card indemnity up to S$4,000

 

No sub-limits for COVID-19-related claims

 

Klook Protect Travel Insurance is a competent insurance policy with attractive premiums. Its high claims limits and full indemnity for COVID-19 further render this plan 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. 

Another drawback is the lack of cover for pre-existing conditions, so those who have chronic medical conditions would need to look elsewhere.

Back to top

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.

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Get up to 40% off and receive up to $40 Grab Voucher when you buy NOW! Valid till 31 March 2024. Also receive an Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 29 February 2024.

 

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.

 

Read these next:

Klook Promo Codes in Singapore
Guide To Making Travel Insurance Claims
Why You Should Get Travel Insurance (And What Happens When You Don't Buy)
Which Credit Cards Offer Free Travel Insurance in Singapore?
Seedly Travel Insurance Review 2023: Best For Families

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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