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Scoot Travel Insurance Review: Surprisingly Beefy Plan With Good Coverage

Alevin Chan

Alevin Chan

Last updated 28 December, 2023

For a budget carrier, Scoot offers an unexpectedly robust travel insurance plan. Here’s a deep dive into what exactly you’ll get if you sign up for Scootsurance.

You know how we’re always nagging you not to leave purchasing your travel insurance until the last minute, in case you choose the wrong plan or end up underinsured because you’re in a rush? 

And that goes double for airline travel insurance that tries to slide itself in somewhere during the ticket booking process?  

We’re gonna make an exception. Going with Scootsurance because you're having a “heads empty, no thoughts” day wouldn’t actually be the worst thing in the world. 

That’s not to say Scootsurance is the perfect travel plan for everyone (because there’s simply no such thing), but to give credit where it’s due, Scootsurance is actually a rather decent travel plan. 

Let’s have a closer look at what Scootsurance has to offer.

Table of contents

Product summary

Type of policy

Travel

Policy cover

Single trip only

Plan types

2 (Return, One-way)

COVID-19 benefits

Included

Pre-existing conditions

Not covered

Adventurous sports cover

Included

Other notable features

KrisFlyer perks (Return plan only):

- Hospital income in Singapore  

- Fraudulent credit card usage

- Rental car late fees

- Legal expenses and aid while overseas

- Increased personal accident benefits (Return and One-way plans) 

 

Why choose Scootsurance?

Scoot’s status as a budget carrier might not inspire high expectations when it comes to their travel insurance plan. But surprisingly, Scootsurance offers a pretty decent selection of benefits and coverage levels that should fit the needs of most travellers. 

You’ll pay a little more than you may be expecting, but not very much more than other standalone plans. Besides, the slew of benefits you’ll be getting in return will make up for it.

Also, there’s no denying the convenience of being able to purchase your travel insurance policy together with your plane ticket. So if convenience is really what you’re after (and provided you don’t have any special needs such as pre-existing conditions, or professional high-risk sports), Scootsurance – which comes with COVID-19 and adventurous sports cover – would make for a dependable choice.

 

Scootsurance Travel Insurance – what does this plan exclude?

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

Scootsurance does not cover:

  • Pre-existing conditions
  • Travelling for medical treatment, or against the advice of a doctor
  • Self-inflicted injury or suicide
  • Pregnancy (except for medical emergencies in the first 20 weeks) and childbirth overseas
  • Activities while under the influence of drugs or alcohol
  • Sexually transmitted diseases and related conditions
Treatment or service provided by a health spa, rehabilitation centre or nursing home

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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.

 

Benefits, plans and pricing

Key benefits of Scootsurance 

Benefit

Return

One-way

Overseas medical expenses (including COVID-19) 

S$70,000

n/a

Emergency evacuation, repatriation and travel assistance

Covered

n/a

Travel accident

S$100,000

S$100,000

Travel cancellation 

(including COVID-19)

S$1,000

n/a

Travel curtailment 

(including COVID-19)

S$1,000

n/a

Loss or damage to baggage

S$2,000

S$2,000

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

Personal liability

S$500,000

n/a

Identification document (visas and passport)

S$1,000

S$1,000

Personal cash

S$300

S$300


KrisFlyer member benefits
 

Hospital income in Singapore (S$100 per 24 hours)

S$1,000

n/a

Fraudulent credit card usage

S$1,000

 

Additional payout for accident death and permanent disablement

S$50,000

S$50,000

Legal assistance while overseas

S$300

n/a

Rental car late fees

S$100

n/a

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Overseas medical and hospitalisation benefits

Scootsurance offers up to S$70,000 in overseas medical expenses, which isn’t the highest coverage. But that’s not all that you’ll get. 

You will also be covered for up to S$50,000 in emergency dental expenses due to accident; up to S$4,000 in overseas hospital allowance (S$200/day); and up to S$5,000 for follow-up treatment back in Singapore. 

You’ll get the same level of medical coverage for COVID-19, along with up to S$1,000 for overseas hospitalisation (S$50/day) and up to S$1,000 for overseas quarantine (S$100/day). 

Note that these benefits only apply for Return plans. One-way plans only have up to S$1,000 for overseas hospitalisation (S$50/day) due to COVID-19.

Emergency evacuation and personal accident benefits

Scootsurance provides emergency evacuation and repatriation coverage, but only for Return plans. However, both Return and One-way plans come with S$100,000 in personal accident benefits.

Return plans also include access to round-the-clock emergency medical and travel assistance via a dedicated hotline, which would be highly helpful when beset by panic or fear.

Travel inconvenience 

The coverage offered for cancelling your trip or cutting short your holiday is capped at S$1,000 which is in line with Scoot’s budget carrier status. However, this also means you may not have much coverage left for accommodations and other unused bookings. 

As for loss or damage to personal belongings, you will receive up to S$2,000 in benefits, with S$200 per-item sublimit, and S$500 in total for valuables. 

There’s also up to S$1,000 cover for loss of travel and/or identification documents, with a S$300 sub-limit for lost cash. 

KrisFlyer members-only benefits 

Scootsurance also offers extra perks to KrisFlyer members, the most notable of which is the additional S$50,0000 in personal accident benefits (applies to both Return and one-way plans).

Other KrisFlyer perks – reserved for Return plans only, this time – include up to S$1,000 cover for fraudulent credit card use; up to S$1,000 hospital income in Singapore (S$100/day) and up to S$300 for legal assistance while overseas. 

KrisFlyer UOB Card Welcome Offer: Get up to 31,000 miles plus a first-year annual fee waiver for new-to-UOB credit cardmembers who apply and make a min. spend of S$2,000 within 2 months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.

 

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How much does Scootsurance cost?

 

Return trip

One-way trip

1 adult, 7 days in Thailand

S$44.43

S$16

1 adult, 7 days in Japan

S$44.43

S$16

1 adult, 7 days in United Kingdom

S$92.56

S$33.33

We’ve mapped out how much Scootsurancee costs for a single adult traveller. Here’s what we found out. 

  • For a 7-day trip in Southeast Asia and Asia-Pacific, premiums are between S$16 and S$44.43.
  • For a 7-day trip in Europe, premiums cost between S$33.33 to S$92.56.

It seems that Scootsurance is priced according to two regions for now – within Asia Pacific, and outside Asia Pacific. In any case, you can only purchase this plan for destinations that Scoot covers. 

 

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.
 
 

 

Should you choose Scootsurance? Pros and cons

Pros

Cons

Well-rounded plan that should suit most leisure travellers, with extras for KrisFlyer members

No cover for pre-existing conditions

Coverage and benefit levels tuned toward budget flyers

One-way plan is severely lacking in benefits 

Includes COVID-19 cover, and adventurous sports activities

 

At the end of the day, Scootsurance is a well-rounded travel plan that should fit the needs of most leisure travellers. Besides the essentials, it also bundles in COVID-19 cover and adventurous sports activities benefits.  

While it doesn't have the highest coverage levels, probably because it is tuned to budget flyers and Scoot’s flight routes, that pays off in the form of lower premiums. The only drawbacks are that pre-existing conditions are excluded from cover, and also, the One-way plan is as barebones as you can get. 

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How to claim?

Follow these steps when making a claim against your Scootsurance policy. 

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 MSIG Scoot claims portal Your claims will be processed and you will be informed of the outcome in due course.

Step 3: For further assistance, reach out to MSIG via:


Read these next:
Best Travel Insurance For Vietnam 2023
Best Senior Travel Insurance For Elderly Travellers (2023)
Seedly Travel Insurance Review 2023: Best for Families
What Is the Best Travel Insurance for Your Age?
SIA Travel Protect Review: Competent Travel Insurance Plan With Extras For KrisFlyer Members

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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