SIA travel insurance, known as SIA Travel Protect, offers well-rounded benefits at a reasonable price but reserves some of its best bits for KrisFlyer members only. Here's the lowdown on this understated travel insurance plan.
Chalk it down to the SIA effect but, Singapore Airline’s travel insurance policy is just as… elegant as the rest of its offerings.
SIA Travel Protect–underwritten by French insurer Allianz–is styled as a no-frills plan that gets the job done. But it manages to distinguish itself from other basic travel plans by ensuring generous coverage levels where it matters.
It also cannot help but reserve some of the best bits for KrisFlyer members only, but you gotta give your loyal members some sweet treats one way or another.
Let’s take a closer look at what’s under the hood of SIA Travel Protect.
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Also receive:
- 4 miles per S$1 spend on your premium. Valid till 19 August 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway. T&Cs apply.
- Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. T&Cs apply.
Table of Contents
- Policy Summary
- Comparing SIA Travel Insurance to Other Plans
- SIA Travel Insurance Plans Review
- SIA Travel Insurance Plans and Pricing
- Benefits of SIA Travel Insurance
- List of SIA Travel Insurance Exclusions
- SIA Travel Insurance Pros & Cons
- SIA Travel Insurance Claim
- What Online Reviews Are Saying About SIA Travel Insurance
- Other Travel Insurance Provider Reviews
Policy Summary
Singapore Airlines Travel Insurance Review
Exclusive travel insurance policy that automatically adjusts your coverage based on your KrisFlyer membership. Coverage offers:
- High coverage for medical expenses incurred while travelling
- Comprehensive travel inconvenience coverage for unforseen circumstances
- Enhanced Benefits for KrisFlyer Members
✅ Product Information
- Travel Accident Coverage up to S$100,000 for KrisFlyer members
- Emergency Transportation Coverage up to S$500,000 for KrisFlyer members
- Trip Cancellation Coverage up to S$10,000
- Baggage Coverage up to S$5,000 for KrisFlyer members
- Travel Delay Coverage up o S$1,500
- Personal Liability for Third Party Damages up to S$1,000,00 for KrisFlyer members
- Loss of travel documents coverage up to S$650
➖ Exceptions
- Does not cover Pre-Existing Medical Condition
- Does not cover Extreme and Adventurous Sports
- Does not cover Travel for Medical Treatments
Comparing SIA Travel Insurance to Other Plans
Whether you seek affordability, value, or peace of mind in your travel insurance plan, SIA Travel Protect offers robust options with its Comprehensive and KrisFlyer Comprehensive policies. Compared to other travel policies, Both of these plans provide excellent value within their pricing brackets, based on the benefits provided for the cost.
Travellers on flying on Singapore Airlines who prioritise coverage for travel inconveniences such as trip cancellations, delays, and lost baggage will find SIA Travel Protect highly beneficial, as it offers substantial coverage in these areas.
SIA Travel Protect ensures you have access to comprehensive support in case of emergencies. However, it’s important to note that adventurous sports are not covered under these plans—those would be found in travel insurance for sports.
KrisFlyer members receive additional perks with the KrisFlyer Comprehensive plan, such as enhanced overseas medical benefits, increased travel accident cover, personal liability coverage up to S$1 million, rental vehicle excess, and compensation for lost identification documents and personal cash.
These extra benefits make the KrisFlyer Comprehensive plan particularly attractive for frequent travellers seeking premium protection and added value for their loyalty.
SIA Travel Insurance Plans Review
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Plan Type
|
Comprehensive
|
KrisFlyer Comprehensive
|
|
Policy cover
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Single trip only
|
|
|
COVID-19 benefits
|
Included
|
Included
|
|
Pre-existing conditions
|
Not covered
|
Not covered
|
|
Adventurous sports cover
|
Not included
|
Not included
|
|
Other notable features
|
- Increased overseas medical benefits
- Increased emergency evacuation cover
- Increased travel accident cover
- Increased baggage coverage
- Personal liability benefits
- Rental vehicle excess
- Identification document cover
- Personal money cover
|
|
SIA Travel Insurance Plans and Pricing
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Comprehensive
|
KrisFlyer Comprehensive
|
Mid-Industry Average
|
|
|
One adult, seven days in Thailand
|
S$32
|
S$38
|
S$46
|
|
One adult, seven days in Japan
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S$35
|
S$48
|
S$53
|
|
One adult, seven days in the United Kingdom
|
S$61
|
S$67
|
S$83
|
The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.
We’ve mapped out how much SIA Travel Protect costs for a single adult traveller . Here’s what we found out.
- For a 7-day trip in Southeast Asia, the premiums for KrisFlyer comprehensive is S$38.
- For a 7-day trip in the Asia-Pacific region, premiums cost S$48.
- For a 7-day trip in Europe, premiums cost S$67.
Note that the insurance premiums shown here are for KrisFlyer comprehensive only. Unlike other travel insurance plans, you will not be given the choice to choose between Comprehensive and KrisFlyer Comprehensive. Instead, Singapore Airlines will automatically offer either plan based on your KrisFlyer member status (or lack thereof).
Benefits of SIA Travel Insurance
Key Benefits of SIA Travel Protect
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Benefit
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Comprehensive
|
KrisFlyer Comprehensive
|
|
Overseas medical expenses (including COVID-19)
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S$500,000
|
S$1 million
|
|
Emergency evacuation, repatriation and travel assistance
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S$300,000
|
S$500.000
|
|
Travel accident
|
S$80,000
|
S$100,000
|
|
Travel cancellation
(including COVID-19)
|
S$10,000
|
S$10,000
|
|
Travel curtailment
(including COVID-19)
|
S$10,000
|
S$10,000
|
|
Loss or damage to baggage
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S$4,000
|
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
|
Not covered
|
Not covered
|
|
Personal liability
|
Not covered
|
S$1 million
|
|
Rental car excess
|
Not covered
|
S$750
|
|
Identification document (visas and passport)
|
Not covered
|
S$650
|
|
Personal cash
|
Not covered
|
S$650
|
Overseas Medical and Hospitalisation Benefits
SIA Travel Protect offers up to S$500,000 in overseas medical expenses, including emergency dental benefits. This is bumped up to S$1 million if you’re a KrisFlyer member.
You’ll receive the same level of coverage if you need to be hospitalised due to COVID-19.
Emergency Evacuation and Personal Accident Benefits
Emergency evacuation and repatriation of remains are pegged at S$300,000 for non-KrisFlyer members, and S$500,000 for KrisFlyer members. There’s a search-and-rescue sublimit of S$10,000, which does curtail the utility of this benefit.
But then again, if you’re planning on participating in activities that might see you end up getting lost, this isn’t quite the right plan for you, giving the lack of cover for adventurous or high-risk sports and activities. These travellers should get travel insurance that has substantial coverage for high-risk adventurous activities.
In any case, this plan also comes with travel accident benefits. Ordinary applicants will be covered for up to S$80,000 here, while KrisFlyer members are covered for up to S$10,000.
Travel Inconvenience
Travel disruptions are frustrating but often unavoidable.
SIA travel insurance generously covers trip cancellations or interruptions, including those caused by COVID-19. You're entitled to claim up to S$10,000 in benefits, minimising the financial impact when your travel plans go awry.
The high coverage limit makes Singapore Airlines’ plan better suited to covering family trips, as the cost of unused accommodations, tickets and other expenses are multiplied when there are more people travelling together.
This plan also offers high coverage for lost luggage–S$4,000 for non-KrisFlyer members, and S$5,000 for KrisFlyer members. However, the sub-limit per item is rather low at S$500, so you might not want to use your most expensive luggage. Make sure to review your policy coverage to see how you can maximise these benefits.
Krisflyer Members-Only Benefits
And as mentioned, there are also additional benefits that only KrisFlyer members are entitled to. These include personal liability coverage of S$1 million; rental car excess coverage of S$750, and loss of identification documents and personal cash, at up to S$650 each.
List of SIA Travel Insurance Exclusions
We’ve highlighted some general exclusions of this SIA travel insurance. Be sure to check the policy wording for the full list of exclusions.
SIA Travel Protect does not cover:
- Pre-existing conditions
- Traveling 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
- Professional, semi-professional or amateur sporting competitions
- Extreme and/or adventurous sports
SIA Travel Insurance Pros & Cons
|
Pros
|
Cons
|
|
Competitively priced plan that focuses only on the essentials
|
No cover for pre-existing conditions
|
|
High protection levels where it matters
|
No cover for adventurous sports
|
|
Extra benefits and higher cover for KrisFlyer members
|
Refreshingly, deciding whether to get SIA Travel Protect or not is an easier choice than most, as it sticks to the essentials without trying to tempt you with a dazzling array of benefits, half of which you actually may not need.
Provided you do not have pre-existing conditions, and do not need adventurous activities coverage, you should find this to be a perfectly capable travel plan that is sufficient for your needs.
And for KrisFlyer members, the extra benefits just make for a nice layer of added frosting on top.
If you're unsure about how SIA travel insurance compares to other plans, you can easily compare it on SingSaver. Find the best travel insurance for your upcoming trip that aligns with your specific travel requirements. When you purchase through SingSaver, you'll enjoy exclusive discounts and rewards.
SIA Travel Insurance Claim
Accidents can happen while you're overseas. If you need to make a claim against your SIA Travel Protect policy, follow these steps to ensure a smooth and efficient process.
Step 1: Prepare the Necessary Documents
Before submitting your claim, you'll need to prepare a few things first. Make sure to collate and fill up the following documents and information:
- Claims from
- Travel itinerary
- Police report
- Receipts and invoices
- Hospital and medical bills
- Personal details
- Policy number
Step 2: Submit Your Claims Online
With all your documents in order, head to our Allianz Claims Portal. Your claims will be processed, and you will be informed of the outcome in due course.
Step 3: (Optional) Reach Out to Allianz for Further Enquiries
The wait can be antsy, and you may not be sure if you got all the information right. For further assistance and enquiries regarding your claims, reach out to Allianz via:
- Tel: +65 6327 2210
- Email: sg.travelclaims@allianz.com
What Online Reviews Are Saying About SIA Travel Insurance
Comprehensive
SIA’s Comprehensive Travel Insurance provides solid coverage at an affordable price.
With up to S$500,000 in overseas medical expenses, coverage for travel cancellation and interruption up to S$10,000, and compensation for lost or damaged baggage up to S$4,000, the plan makes a good case for a well-rounded policy for standard travel needs.
KrisFlyer Comprehensive
SIA’s members-only KrisFlyer Comprehensive Travel Insurance, on the other hand, offers enhanced benefits and higher coverage limits.
This plan includes up to S$1 million in overseas medical expenses, higher compensation for travel accidents, and exclusive benefits like personal liability coverage of S$1 million and rental car excess of S$750. KrisFlyer members also enjoy additional perks such as coverage for loss of identification documents and personal money.
For frequent travellers seeking premium protection and added value for their loyalty, the KrisFlyer comprehensive travel insurance might be a better pick.
Other Travel Insurance Provider Reviews
Want to see what other providers have to offer? Explore even more travel insurance provider reviews by SingSaver:
- AirAsia travel insurance review
- Allianz Travel Hero insurance review
- Amex My travel insurance review
- DBS TravellerShield Plus insurance review
- Direct Asia travel insurance review
- Ergo TravelProtect insurance review
- FWD travel insurance review
- HL Assurance Travel Protect360 insurance review
- Klook Protect travel insurance review
- MSIG travel insurance review
- NTUC Income travel insurance review
- OCBC Explorer travel insurance review
- Scootsurance travel insurance review
- Seedly travel insurance review
- Sompo travel insurance review
- Singlife travel insurance review
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- UOB InsureTravel insurance review
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