Scoot Travel Insurance Review 2024: Beefy Plan With Good Coverage

Alevin Chan

Alevin Chan

Last updated 26 February, 2024

For a budget carrier, Scoot Travel Insurance offers unexpectedly robust coverage. Here’s a deep dive into what exactly you’ll get with 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 insurance plan

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

Summary

Scoot travel insurance offers robust coverage for budget-conscious travellers with the added benefit of KrisFlyer perks.

  • Affordable premiums: Get comprehensive coverage without breaking the bank.
  • COVID-19-related coverage: Ensure protection against pandemic-related disruptions.
  • KrisFlyer member benefits: Exclusive perks for KrisFlyer members, including additional personal accident benefits and more.

Product Information

  • Emergency transportation coverage: Up to S$500,000
  • Overseas medical expenses: Up to S$70,000
  • Accidental death and disability coverage: Up to S$100,000
  • Loss of travel documents coverage: Up to S$1,000
  • Personal liability: Up to S$500,000
  • Baggage loss or damage: Up to S$2,000
  • COVID-19 coverage: Includes trip cancellation, medical expenses and emergency evacuation
  • Adventurous sports coverage: Includes activities like skydiving, scuba diving, and hiking

Exclusions

  • Any pre-existing medical condition
  • Self-inflicted injuries and suicide
  • Pregnancy and childbirth overseas
  • Activities under the influence of drugs or alcohol
  • Sexually transmitted diseases and related conditions
  • Treatment in health spas, rehabilitation centres, or nursing homes

Table of contents

Last updated on 27 May 2024. Travel insurance promos are subject to change without prior notice.


Comparing Scoot travel insurance to other plans

When evaluating Scoot’s travel insurance plans, you must review its features and claim limits to determine if it meets your travel needs. Also, remember to compare the specifics against other insurance plans. Below, you will see how Scoot’s features and benefits stack up against other options.

Travel insurance plans
Medical expenses overseas
Accidental death and disability 
Baggage loss/damage
Travel delay
Trip cancellation
Loss of home contents due to burglary
Rental car excess
Scootsurance Travel Insurance
Up to S$70,000
Up to S$100,000
Up to S$2,000
Up to S$600
Up to S$1,000
n/a
Up to S$100
HL Assurance COVIDSafe Travel Protect360 Superior
Up to S$500,000
Up to S$300,00
Up to S$7,000
Up to S$1,000
Up to S$12,000
Up to S$2,000
Up to S$1,000
AIG Travel Guard® Direct Basic
Up to S$50,000
Not applicable
Up to S$3,000
Up to S$200
Up to S$2,500
Not applicable
Not applicable
Tiq by Etiqa Entry Plan
Up to S$200,000
Up to S$150,000
Up to S$2,000
Up to S$300 (S$50/ three hours)
Up to S$5,000
Not applicable
Up to S$300
Singlife Travel Lite
Up to S$250,000 (up to S$100,000 of Overseas Medical Expenses for Adult above 70 years old)
Up to S$50,000
Up to S$3,000 (Up to S$500 for any article or set of articles if grouped together)
Up to S$500 (S$100 for each consecutive six-hour delay)
Up to S$5,000
Not applicable
Up to S$500
FWD Travel Insurance Premium
Up to S$200,000
Up to S$200,000
Up to S$3,000
Up to S$300
Up to S$7,500
Up to S$6,000
Not applicable
Great Eastern TravelSmart Premier Classic
Up to S$300,000
Up to S$250,000
Up to a maximum of SGD 5,000 for all items
S$100 per insured person for every six-hour period while overseas, up to a maximum of S$1,200
Up to S$1,000
S$7,500 in total 
S$750
Allianz Single Trip Basic
Up to S$$200,000
Not applicable
Up to S$1,000
Not applicable
Up to S$1,500
Not applicable
Not applicable
Direct Asia Voyager 150
Up to S$150,000
Up to S$100,000
Up to S$1,000
Up to S$1,000
Up to S$3,000
Not applicable
Up to S$1,500
MSIG TravelEasy® Standard
Up to S$250,000
Up to S$150,000
Up to S$3,000 (Limit: S$500 per article, pair or set of items and S$1,000 for one unit laptop computer)
S$100 Max S$500
Up to S$5,000
Not applicable
Not applicable
Seedly Travel Safe
Up to S$200,000 (including COVID-19)
Up to S$3,000
Up to S$5,000
Up to S$1,000
Up to S$3,000 (Limit: S$500 per article)
Not applicable
Not applicable
Starr TraveLead Bronze
Up to S$200,000
Up to S$150,000
Up to S$3,000
S$100/six hours, max S$500
Up to S$5,000
Up to S$1, 500
Up to S$500
SOMPO Essential
Up to S$200,000
Up to S$200,000
Up to S$1,000
Up to S$800
Up to S$5,000
Not applicable
Up to S$2,000
Tokio Marine TM XPLORA PLUS Classic
Up to S$300,000
Up to S$200,000
Up to S$5,000
S$100/six hours of delay in Singapore (Limit: S$100)
S$100/six hours of delay overseas (Limit: S$1,200)
Up to S$5,000
Not applicable
Up to S$700

scoot-ti-comparison


Scoot travel insurance plans review

Feature
Return
One-way
Type of Scoot travel insurance plan
Travel
Travel
Plan cover
Single trip only
Single trip only
COVID-19 claim benefits
Included
Included
Pre-existing conditions
Not covered
Not covered
Adventurous sports cover

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
Overseas medical expenses
Up to S$700,000
n/a
Emergency evacuation, repatriation, and travel assistance
Covered
n/a
Travel accident
S$100,000
S$100,000
Travel cancellation/curtailment (including COVID-19)
S$1,000
n/a
Loss or damage to baggage
S$2,000
S$2,000
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
Increased personal accident benefits for Return and One-way plans
Hospital income in Singapore (S$100 per 24 hours)
S$1,000
n/a
Fraudulent credit card usage
S$1,000
n/a
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

Scoot travel insurance plans and pricing

 

Return trip

One-way trip

Mid-industry average
1 adult, 7 days in Thailand (ASEAN)
S$44.43
S$16
S$50.00
1 adult, 7 days in Japan (Asia)
S$44.43
S$16
S$41
1 adult, 7 days in United Kingdom (Global)
S$92.56
S$33.33
S$85.00

We’ve reviewed how much Scoot travel insurance plans cost 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.


Benefits: Is Scoot travel insurance good?

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. 

One of the pros of this travel insurance is that you’ll 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 from Scoot 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 from Scoot travel insurance also include access to round-the-clock emergency medical and travel claim assistance via a dedicated contact number, which would be highly helpful when beset by panic or fear.

Travel inconvenience 

The travel insurance 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, one of the cons here is that 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. 

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 insurance perks – reserved for Scoot’s Return plans only, this time – include a S$1,000 claim limit 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: Be one of the first 100 eligible new-to-UOB credit cardmembers to get up to 31,000 miles plus a first-year annual fee waiver when you apply and take the least days to make a min. spend of S$2,000 within 60 days from card approval date. Valid till 31 July 2024 . T&Cs apply.


List of Scoot travel insurance exclusions 

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

Scoot travel insurance 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


Scoot travel insurance 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 insurance 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. Also, remember to review the claim limits to determine if Scoot meets your coverage needs.


Scoot travel insurance claim

Follow these steps when making a claim against your Scoot travel insurance plan. 

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:

  • Email: msig-claims@ancileo.com
  • 24-hour emergency hotline: +65 6012 0043

Detailed review of the best travel insurance in Scoot

Scoot travel insurance offers two primary plans: Return and One-way trips. Each plan is tailored to meet the diverse needs of travellers, ensuring you have the appropriate coverage for your journey. Here are detailed reviews of the plan to help you choose the best protection for your travels:

Return trip

The Return trip plan provides extensive benefits, including up to S$700,000 in overseas medical expenses, ensuring you have access to quality medical care in case of emergencies. It also covers emergency evacuation, repatriation and travel assistance, providing peace of mind during unforeseen events. For personal accidents, the plan offers coverage up to S$100,000, along with a generous S$500,000 in personal liability.

If you need travel insurance with trip cancellation, this plan can provide you with up to S$1,000 claim limits for curtailments. At the same time, it covers you for up to S$2,000 for lost or damaged baggage. Additionally, it covers identification documents and personal cash, which are critical in case of theft or loss. If you need adventure sports travel insurance, Scoot includes coverage for activities like zip-lining, skydiving and scuba diving.

One of the standout features for KrisFlyer members is the added benefits, such as increased personal accident benefits, hospital income in Singapore, and coverage for fraudulent credit card usage. These perks enhance the overall value of the Return trip plan, making it a robust choice for those seeking comprehensive travel insurance.

One-way trip

While the One-way trip plan offers essential protection, it is more limited compared to the Return trip plan. It includes S$100,000 in personal accident benefits and covers adventurous sports, ensuring you are protected during high-risk activities. However, it does not provide coverage for overseas medical expenses, emergency evacuation, or travel assistance, which might be a drawback for some travellers.

This insurance plan from Scoot offers a S$2,000 claim limit for loss or damage to baggage and up to S$1,000 for identification documents, ensuring your belongings and important papers are safeguarded. Additionally, it includes up to S$300 for personal cash, providing some financial security during your travels.

KrisFlyer members benefit from increased personal accident benefits and additional payout for accidental death and permanent disablement. While the One-way trip plan is not as comprehensive as the Return trip plan, it still provides essential coverage for travellers embarking on one-way journeys.


Other travel insurance provider reviews

If you want to discover other travel insurance plans apart from what Scoot offers, check out the following reviews:

HL Assurance travel insurance review

Singlife travel insurance review

FWD travel insurance review

DirectAsia travel insurance review

MSIG travel insurance review

Seedly travel insurance review

Sompo travel insurance review

This article was originally published on 26 February 2024 and updated for accuracy on 24 May 2024.

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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