Starr TraveLead Travel Insurance Review: Flexible, Comprehensive and Affordable

Alevin Chan
Last updated May 09, 2022

Starr TraveLead Travel Insurance combines flexibility, high sums assured, comprehensive coverage and low premiums, making it a strong choice for your go-to travel insurance shortlist. 

Starr TraveLead Travel Insurance may be the new kid on the block, but it is well worth checking out. 

This is a travel insurance plan that has flexibility built into it, offers comprehensive coverage and sums assured on par with the best of them, and tops it all off with highly affordable premiums.

That certainly sounds like an attractive combination, but naturally, you want to know the gritty details. 

Read on for 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). 

Variety of plans and benefits 

Offers a high degree of customisability with three plan tiers, three components and four optional riders, allowing you to mix-and-match according to your needs and budget. 

Up to S$1 million in medical benefits 

Provides up to S$1 million worth of overseas medical expenses coverage, with follow-up medical treatments in Singapore included. An array of treatment options are also covered, including physiotherapy, Traditional Chinese Medicine and chiropractic

Personal accident cover of up to S$500,000

Covers you for accidental death and disablement arising within 12 months of an accident, up to an assured sum of S$500,000. Also included is up to S$5,000 compassionate death cash benefit in the event of death due to serious bodily injury. 

Robust suite of trip and baggage benefits 

Includes cover for trip cancellation or curtailment, travel delays, misconnections and overbooking, loss, damage or delay of baggage, loss of personal documents, and many more useful features.

24/7 worldwide emergency assistance

Comes with round-the-clock global emergency assistance that policyholders may tap on as required during their trip. 

Pros and cons

ProsCons
Offers high degree of customisability with three tiers, three components and four optional ridersDoes not cover pre-existing conditions, pregnancy and childbirth
High sums assuredDoes not cover professional spots
Affordable travel insurance plan for single travellers and families alike
Comes with COVID-19 coverage 
Medical benefits include cover for follow-up treatment in Singapore 

Perhaps the biggest pro worth highlighting in Starr TraveLead Travel Insurance is its flexibility.

At its most basic configuration, this policy offers only overseas medical coverage. This forms the foundation of the policy, and is required to be included in your plan. 

There are two other components that you can choose to include or not, and these are trip coverage, and baggage coverage. This means you can choose medical coverage alone, medical plus trip and/or baggage, or all three components. 

As you’d expect, trip coverage provides benefits for trip delays, cancellations and such, while the baggage coverage covers you against loss or damage to your baggage, personal belongings and travel documents.

And on top of all that, there are also four optional riders available that you can use to add protection for specific activities or events, creating an even better fit for your overseas trip. 

As for cons, Starr TraveLead Travel Insurance doesn’t cover pre-existing conditions, pregnancy and childbirth. Cover for professional sports also isn’t available here. 

To be fair, these types of exclusions are common among travel insurance, and help make lower premiums possible. 

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 product brochure.

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
Compassionate cash due to accidental death: S$5,000
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
Compassionate cash due to accidental death: S$3,000
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
Compassionate cash due to accidental death: S$2,000
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
Snow sports – missed booking, ski and equipment, piste closure
Scuba diving – dive tour, equipment hire
Cruise – additional trip cancellation and interruption, excursion tour cancellation, satellite phone fee

Starr TraveLead Travel Insurance is available in three tiers — Gold, Silver and Bronze — with a similar selection of benefits and features throughout. The main difference is the claims limits offered in each.

One thing to note though, is that while COVID-19 coverage is offered in all three tiers, the Bronze tier plan doesn’t provide benefits for trip cancellation and trip curtailment due to COVID-19-related reasons. 

Hence, if this benefit is important to you, it is preferable to choose either the Silver or Gold plans. 

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 policy for travel to Southeast Asia over a four-day weekend — Friday to Monday.

All three components — medical coverage, trip coverage and baggage coverage — were included, but optional riders were not.  

As you can see, this plan is quite affordable, starting from S$25 for individuals. Families travelling together won’t feel the pinch either — for a family of four, the premiums are merely doubled. 

Exclusive SingSaver Promotion: Get rewarded with up to S$48 via PayNow when you apply. Valid till 31 May 2022. T&Cs apply.

Enjoy your cruise to the fullest by getting Cruise to Nowhere Insurance to protect you from the unexpected.

From just S$12 per day, you can get COVID-19 coverage, medical expenses coverage, personal accident benefit and other travel inconvenience benefits. You also enjoy 24 hours global emergency assistance services to help you when you need it most.

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 guide for supporting documents you should include when submitting your claims.

Read these next:
Best Travel Insurance Plans With COVID-19 Coverage
Infectious Diseases Insurance: Best Plans To Protect Yourself
6 Best Travel Insurance Plans for Cruise-to-Nowhere Holidays (2022)
7 Travel Insurance Plans With COVID-19 Coverage (2022)
Best Travel Insurance Plans And Promotions In Singapore (2022)


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 May 9, 2022 88044