Scoot Travel Insurance Review: Surprisingly Beefy Plan With Good Coverage

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.

Table of contents

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

Product summary

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

Benefits, plans and pricing

Key benefits of Scootsurance 

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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. 

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How much does Scootsurance cost?

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. 

How to claim Scoot travel insurance?

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

• • Claims from
  • Travel itinerary
  • Police report
  • Receipts and invoices
  • Hospital and medical bills
  • Personal details
  • Policy number

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

Should you choose Scootsurance? Pros and cons

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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