Starr Cruise to Nowhere Travel Insurance Review: Customisable, Budget-Friendly Cruise Insurance With COVID-19 Benefits

Alevin Chan
Last updated Apr 11, 2022

A flexible, purpose-built travel insurance plan for cruise trips that offers high sums assured and COVID-19 protection at attractive premiums. 

As a purpose-built policy for travellers going on cruises, Starr Cruise to Nowhere Travel Insurance has a lot to offer. 

It comes bundled with COVID-19 benefits, has high sums assured for medical expenses and personal accident coverage, has a high degree of customisability, and is easy on your bank account, to boot. 

In this article, we’ll be taking an in-depth look at this travel insurance plan, covering:

Product summary

COVID-19 coverage

Comes bundled with COVID-19 coverage for overseas medical expenses (up to S$100,000), as well as for COVID-19 related trip cancellation or curtailment (up to S$1,000, Silver and Gold only). 

Customisable 

Option to add trip coverage and/or baggage coverage on top of medical coverage, which is included by default. Can also choose from three tiers of plans to better suit budget and sums assured preferred. Also, add-ons are available for scuba diving and golf.

High overseas medical benefits and personal accident cover 

Offers up to S$1 million for overseas medical expenses, and up to S$500,000 in personal accident cover. Also covers follow-up outpatient visits, as well as a variety of treatment options, such as chiropractic, physiotherapy and Traditional Chinese Medicine.

Comprehensive trip and baggage benefits

Covers against multiple common travel risks, including but not limited to trip delays, cancellations and postponements, loss, damage or delays to personal baggage, loss of personal documents and money, and more.

24/7 worldwide emergency assistance

All policyholders are provided with round-the-clock global emergency assistance in case of mishaps or unforeseen events during your cruise.

Pros and cons

ProsCons
Highly affordable, especially for familiesDoes not cover pre-existing conditions
Customisable according to your needsDoes not cover professional sports
Offers useful COVID-19 benefits 
Automatic cover extension of up to seven days
Includes 24/7 Global Emergency Assistance service for all policyholders

Policy exclusions

Before signing up, take note of the following exclusions. This policy does not cover: 

  • Pre-existing medical conditions
  • Acts of war
  • Suicide
  • Pregnancy & childbirth
  • Professional sports

For the full list of exclusions, please refer to the sample policy

Types of plans

In the following table, we’ve listed the three plans available, and a brief summary of the benefits offered. For the full list of benefits, please refer to the policy document.

PlanSummary of benefits
GoldOverseas medical expenses: S$1 mil- COVID-19 sublimit: S$100,000- Overseas hospital cash: S$200/day and S$15,000/trip
Accidental death and disablement: S$500,000
Personal liability: S$1 mil
Trip cancellation or curtailment: S$15,000- COVID-19 sublimit: S$1,000
Travel delay, misconnection, flight overbooked or diversion: S$100/6 hours, with specified limits
Loss theft or damage to personal baggage: S$7,500
Personal baggage delay: S$100/6 hours, up to S$1,200
Insolvency of travel agency: S$5,000
Unused entertainment ticket: S$500
SilverOverseas medical expenses: S$500,000- COVID-19 sublimit: S$50,000- Overseas hospital cash: S$200/day and S$10,000/trip
Accidental death and disablement: S$300,000
Personal liability: S$800,000
Trip cancellation or curtailment: S$10,000- COVID-19 sublimit: S$600
Travel delay, misconnection, flight overbooked or diversion: S$100/6 hours, with specified limits
Loss theft or damage to personal baggage: S$5,000
Personal baggage delay: S$100/6 hours, up to S$800
Insolvency of travel agency: S$3,000
Unused entertainment ticket: S$300
BronzeOverseas medical expenses: S$200,000- COVID-19 sublimit: S$25,000- Overseas hospital cash: S$200/day and S$5,000/trip
Accidental death and disablement: S$150,000
Personal liability: S$500,000
Trip cancellation or curtailment: S$5,000- COVID-19 sublimit: not covered
Travel delay, misconnection, flight overbooked or diversion: S$100/6 hours, with specified limits
Loss theft or damage to personal baggage: S$3,000
Personal baggage delay: S$100/6 hours, up to S$400
Insolvency of travel agency: S$2,000
Unused entertainment ticket: S$100
Optional ridersGolf protection – golf baggage, hired golf equipment, loss of green fees
Scuba diving – dive tour, equipment hire

Starr Cruise to Nowhere Travel Insurance comes in three tiers — Gold, Silver and Bronze — and all three offer largely the same range of benefits. 

However, there are two main differences to take note of. One, each plan offers a different claims limit for the items they cover, with Gold having the highest limits (and thus offering the most protection), followed by Silver, and then Bronze. 

Two, while all three plans have COVID-19 extensions built in, the Bronze plan does not cover trip cancellation or curtailment for pandemic-related reasons, only overseas medical expenses. 

The Gold and Silver plans, however, offer benefits for overseas medical expenses as well as travel cancellation or curtailment due COVID-19.

Hence, travellers seeking more well-rounded coverage against COVID-19 should consider the Silver and Gold plans instead. 

Just take note that sums assured for COVID-19 related claims are lower than those stipulated for regular claims — this is detailed in the table above.

Pricing

PlanPremiums
GoldSingle traveller: S$42Family of four: S$84
SilverSingle traveller: S$33Family of four: S$66
BronzeSingle traveller: S$25Family of four: S$50

The table above displays the premiums quoted for a single-trip cruise to nowhere policy. 

The duration is from Friday to Monday, and includes medical coverage, trip coverage and baggage coverage. 

Optional riders for scuba diving and golf were not included. 

As you can see, this plan is quite affordable, starting from S$25 for individuals. If you’re embarking on the cruise as a family, the plan becomes even more affordable — premiums for a family of four are only doubled from the rate charged for a single adult. 

If you’re looking to reduce the cost of your travel insurance even further, know that Starr Cruise to Nowhere Travel Insurance actually comprises three parts: medical coverage, trip coverage and baggage coverage. 

Medical coverage is the base layer of the plan, and is included by default. Depending on your needs, you can also choose to add trip coverage and/or baggage coverage to your policy. 

This creates a dimension of customisability that you may find useful. 

How to make a claim 

You may submit your claims directly to Starr Insurance, either via online or mail-in channels. 

Submitting claims online

Submitting claims via mail-in

Refer to this document for supporting documents you should include when submitting your claims.

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5 Reasons Travel Insurance Is Extra Important On Cruise Ships
5 Ways To Score Discounts On Your Next Cruise To Nowhere
Singapore’s Vaccinated Travel Framework: What To Know When Planning Your Next Overseas Trip
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By Alevin Chan
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.


Alevin Chan April 11, 2022 87115