Seedly Travel Insurance Review 2024: Best for Families

Deborah Gan

Deborah Gan

Last updated 15 April, 2024

The best travel insurance in town for all travellers, especially for families.

Great news! If you’ve always been a fan of Seedly (and SingSaver of course!), you’ll be thrilled to know that they have just launched their Seedly Travel Insurance!

Offering family-centric benefits for families with children, COVID-19 coverage and coverage for adventure sports at affordable premiums, find out if Seedly Travel Insurance will be your next go-to travel insurance.

Table of contents:

SingSaver Exclusive Promotion: Enjoy 50% off  + 6% off when you use promo code vacay6. Also receive:

  • 1x 3GB Airalo eSIM before you fly with no minimum premium. Valid till 31 May 2024

 

 

 

 


Read Real User Reviews of Seedly Travel Insurance

Reviews Powered by Seedly

 

Johnathan Tan
stars_4

I bought Seedly Travel Insurance for my upcoming hiking trip to Mount Rinjani. I like that the insurance covers this and scuba diving. The price is not the cheapest but quite competitive, and it's backed by HLAS, which is quite reputable. Hopefully, I won't need to claim anything.

Ru Han Huan
Rating Group - 5

[Purchase Process] Got the Seedly Travel Ease for a short trip to JB. Overall the user journey was straightforward. Got 10 USD Airalo credits which I used to purchase an eSIM for my trip as well. Not sure about the claims process as I had no claims but overall I would repurchase and recommend to my friends!

Chen Zhirong
Rating Group - 5

Quck and fast-free purchase with no issues. Would have liked the eSim to be sent faster or updated in a more timely manner but otherwise this was great! No complicated fee structure, just what you need.


Seedly Travel Insurance coverage

Medical expenses and hospitalisation

When you purchase a travel insurance plan, it’s always good to check the coverage for medical expenses in case the unfortunate happens and you fall sick or get injured overseas.

Check out how much coverage you’re entitled to, for adults up to 70 years old:

Benefits
Seedly Travel Safe
Seedly Travel Secure
Overseas medical expenses (including COVID-19)
Up to S$200,000 for adult
Up to S$2,000 for child
Up to S$500,000 for adult
Up to S$2,000 for child
Medical expenses in Singapore
Up to S$20,000 for adult
Up to S$1,000 for child
Up to S400,000 for adult
Up to S$1,000 for child
Overseas hospital cash allowance 
For every day of hospitalisation
Up to S$10,000
S$200
Up to S$20,000 
S$200
Hospital cash allowance in Singapore
For every day of hospitalisation
Up to S$500
S$100
Up to S$1000
S$100
Child Companion Benefit
Up to S$5,000
Up to S$10,000
Overseas Hospital Visit Benefit
Up to S$5,000
Up to S$10,000
Emergency personal mobile phone (charges limit per day)
Up to S$150
Up to S$150
Emergency medical evacuation
Covered
Covered
Emergency medical repatriation
Covered
Covered
Repatriation of mortal remains back to Singapore
Covered
Covered

COVID-19 coverage

It’s always a safer bet to opt for COVID-19 coverage if you have a choice. Though it may seem like a thing of the past, knowing that you’re covered for it provides you with the peace of mind. Down with COVID-19 abroad? You can see a doctor knowing that you can claim afterwards. 

The good news is that with Seedly Travel Insurance, you won’t have to top-up additional costs to get COVID-19 coverage.

Here is what you’re covered for:

Benefits
Seedly Travel Safe
Seedly Travel Secure
Overseas medical expenses (including COVID-19)

Adult up to 70 years old

Adult above 70 years old

Child
 
 
 
Up to S$200,000
 
Up to S$50,000
 
Up to S$2,000
 
 
 
Up to S$500,000
 
Up to S$100,000
 
Up to S$2,000

If you want to opt for Traditional Chinese Medicine (TCM) treatment, you can too. You can claim up to S$100 per visit up to a maximum of S$500 per trip.


Coverage for personal accidents

As much as you would want to avoid it, accidents do happen from time to time, and it is especially scary when it happens overseas in an unfamiliar place.

This is when personal accident coverage can at least provide you with some financial assistance to get you through.

What’s unique about Seedly Travel Insurance is that the sum insured remains the same, regardless of whether you purchase an Individual Plan or a Family Plan as you may realise that there is no overall benefit limit on Family Plans.

This means that children and adults get the same amount of coverage, and there is no cap on the sum insured.

Benefits
Seedly Travel Safe
Seedly Travel Secure
Accidental death and permanent disablement
Up to S$150,000
Up to S$300,000
Double public transport coverage
Up to S$300,000
Up to S$600,000
Child support grant
Up to S$15,000
Up to S$30,000
Overseas funeral grant
Up to S$4,000
Up to S$8,000
Compassionate visit benefit
Up to S$5,000
Up to S$10,000

Coverage for trip inconveniences and baggage

If you’re faced with any trip inconveniences and require any alteration to your trip duration, know that you are sufficiently covered for.

The same goes if your baggage is lost, delayed or stolen. It can be very scary if you happen to lose your whole baggage while you’re overseas — it would mean not having any of your clothes and personal essentials with you, which may sometimes include your valuables.

If that happens, rest assured that you can at least get some compensation.

Benefits
Seedly Travel Safe
Seedly Travel Secure
Trip cancellation
Up to S$5,000
Up to S$10,000
Trip curtailment
Up to S$5,000
Up to S$10,000
Travel delay/alternative travel arrangement

Benefit limit for every 6 hours of delay (overseas)
 
Benefit limit after 6 hours of delay (in Singapore)
Up to S$1,000
 
 
S$100
 
 
S$100
Up to S$2,000
 
 
S$100
 
 
S$100
Travel diversion
For every 6 hours of delay (overseas)
Up to S$1,000
S$100
Up to S$2,000
S$200
Overbooked flight
Up to S$200
Up to S$400
Travel misconnection
Up to S$100
Up to S$200
Trip postponement
Up to S$500
Up to S$1,000
Baggage delay
 
For every 6 hours of delay (overseas)
 
Maximum limit (in Singapore)
Up to S$1,200
 
S$150
 
 
S$150
Up to S$1,500
 
S$150
 
 
S$150
Loss/damage to baggage and personal belongings

Limit per article
 
Maximum total limit for all valuables
Up to S$5,000
 
 
S$500
 
S$800
Up to S$10,000
 
 
S$500
 
S$800
Personal money and travel documents
 
Maximum limit for money
Up to S$2,500
 
 
S$200
Up to S$5,000
 
 
S$300
Credit card protection
Up to S$1,000
Up to S$2,000

Family-centric benefits

While this plan caters to the needs of all travellers, it proves particularly advantageous for families with children.

Primarily, the plan includes complimentary coverage for up to four children when selecting the Family Plan (just indicate the number of adults and kids when purchasing). This eliminates the need for additional payments to ensure coverage for your kids, unlike some other plans in the market.

Furthermore, the Child Support Grant ensures financial assistance for children in the unfortunate event of the insured individual passing away during the trip, leaving dependents behind.

An additional benefit is the Child Companion Benefit, which provides reimbursement of travel expenses for one adult to travel to the destination country and bring a child home. This benefit applies in cases where the insured sustains an injury or falls ill while abroad, resulting in hospitalisation, and is accompanied by a child who would otherwise be left unattended.

Benefits
Seedly Travel Safe
Seedly Travel Secure
Child Support Grant
 
For each dependent child
Benefit per child
S$15,000

S$3,000
S$30,000

S$6,000
Child Companion Benefit
S$5,000
S$10,000

List of exclusions

  • Professional sports
  • Extreme sports like rafting, canoeing, bungee jumping, jet skiing etc
  • Suicide or self-inflicted injuries
  • Pregnancy, miscarriage, childbirth or abortion and their complications
  • Epidemics or pandemics
  • Pre-existing conditions
  • Mental and nervous or sleep disorders
  • Criminal or unlawful acts committed by the insured

For the full list of exclusions, refer to their policy wording.


Travel insurance plans and pricing

As mentioned above, Seedly Travel Insurance offers two plans:

  • Travel Safe
  • Travel Secure (most comprehensive)

Let’s take a look at the plans and the premiums you’ll need to pay, before discount

Trip duration and region
Travel Safe (individual) premiums
Travel Secure (individual) premiums
Travel Safe (Family Plan*) premiums
Travel Secure (Family Plan*) premiums
3-day trip to Thailand (ASEAN)
S$26.55
S$45.44
S$62.54
S$105.98
5-day trip to Thailand (ASEAN)
S$35.88
S$58.61
S$77.36
S$129.62
5-day trip to Australia (Asia)
S$42.60
S$52.40
S$92.82
S$155.54
7-day trip to Australia (Asia)
S$53.63
S$64.13
S$118.16
S$191.48
7-day trip to the United Kingdom (Worldwide)
S$66.47
S$106.32
S$147.69
S$239.34
14-day trip to the United Kingdom (Worldwide)
S$114.81
S$174.83
S$265.74
S$403.76

*based on 2 adults and 2 children

SingSaver Exclusive Promotion: Enjoy 50% off  + 6% off when you use promo code vacay6. Also receive:

  • 1x 3GB Airalo eSIM before you fly with no minimum premium. Valid till 31 May 2024

 

 

 

 


Should I buy Seedly Travel Insurance? Pros and cons

Pros
Cons
Complimentary coverage for up to 4 children under Family Plan
No coverage for extreme sports like bungee jumping and rafting
COVID-19 coverage included
Lower-than-average overseas medical expenses coverage
Affordable premiums
 
Family-centric benefits, ideal for families
 

Aside from it being a family-friendly travel insurance plan by offering complimentary coverage for children and family-centric benefits, the great thing about this plan is that it offers COVID-19 coverage, meaning you won’t have to pay extra for it!

The premiums are also generally affordable if you compare them to other travel insurance plans. Psst, make sure to always take advantage of the ongoing promotions to slash premium prices!

Though Seedly Travel Insurance offers coverage for adventure sports like scuba diving, mountaineering and hiking, these are the only sports that they cover. Extreme sports like bungee jumping, jet skiing and rafting are not included, and there’s no option to add as a rider either.

Furthermore, the plan only offers up to S$500,000 overseas medical expenses coverage for their highest-tier plan, which is lower than average than other travel insurance policies in the market. They do, however, offer medical expenses coverage when you arrive back in Singapore, and even TCM treatment, which some plans do not offer.


How to make a claim

If you want to make a claim, simply prepare all your documents and submit your claim at https://hlas.claim.ancileo.com/. You’ll have to include your policy number and your NRIC/passport number.

Do note that all claims should be submitted within 30 days of the incident. Ensure that you provide them with your full particulars, necessary information, documents and evidence that are required. 

For more information on the relevant documents and information you need, click here.


Who is eligible to purchase Seedly Travel Insurance?

Any individual who is eighteen years old or older at the start of this insurance policy.

Will my children receive complimentary coverage for Seedly Travel Insurance?

The Family Plan includes free coverage for up to four children at no extra charge. For more details about the "Family Plan," please consult the policy document.

What are coverage restrictions for children under 18 or adults over 70 years of age for Seedly Travel Insurance.

Children must travel with a parent who is an insured person during the trip. Under an Annual Family plan, the insured person and another adult can travel separately. However, the children must always be accompanied by one of the adults covered under the same policy.


A mahjong addict with an undying love for dogs, Deborah is always on the hunt for cheap deals because she is always broke. That is why she is attempting to be more financially savvy to be.. less broke

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