These Travel Insurances Offer Up to S$1,000 Payouts For Your Camera Equipment

Emma Lam

Emma Lam

Last updated 29 November, 2022

Love capturing the best moments of your overseas trip on film? Protect those digital/analogue memories with extra camera equipment coverage through these travel insurance plans. 

If you think about it, cameras and their equipment are like investments. They are hefty expenses to purchase, be it for passion pursuits or professional endeavours

That said, you’d want the best travel insurance coverage for your expensive camera equipment when travelling abroad. Of course, we always hope for the best when going overseas, but sometimes, the unexpected happens: your camera gear might be mishandled, damaged, or worse, lost or stolen.

Whatever the scenario, it’s important to choose the right travel insurance policy offering the best coverage payout to protect your camera gear and equipment. 

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Overview: Best travel insurance coverages for camera equipment in 2022

Disclaimer: All the coverage limits and premiums stated are based on the maximum plan single-trip coverage offered by the base plan tier for each insurance policy. For example, the coverage limits and premiums listed for Singlife Travel Insurance are under their Travel Lite Plan.

All policy plans were filtered based on an average 5-day trip to an ASEAN country like Thailand.

The coverage benefits listed here aren’t exhaustive either. Please refer to the respective insurance T&Cs for more comprehensive details.

Travel insurance policy

Coverage for lost/stolen camera

Other coverages

Premium

AIG Travel - Home | FacebookAIG Travel Guard Direct
[Classic]

Limit per article: S$500

Up to S$200,000 overseas medical coverage 


Up to S$12,000 medical expenses incurred in Singapore


Up to S$5,000 trip cancellation


Up to S$1,000 for baggage delay


Up to S$3,000 baggage/personal belongings

From S$30

Best Allianz Travel Insurance 2022- Buy OnlineAllianz Travel Insurance
[Bronze]

Limit per article: Up to S$1,000 (max. benefit for high-value items)


Note: Only 50% of the cost to replace lost, stolen, or damaged camera will be reimbursed if all claims conditions are met

Up to S$200,000 overseas COVID-19 medical coverage


Unlimited emergency transportation


Up to S$5,000 pre-trip cancellation or trip interruption from COVID-19


Up to S$500 for baggage delay (min. 6 hours)


Up to S$3,000 baggage/personal belongings 

From S$33.88

ERGO TravelProtect
[Essential]

Limit per article: S$500

Up to S$200,000 overseas medical coverage (Below 70 years)


Up to S$10,000 for medical expenses incurred in Singapore (Below 70 years)


Unlimited medical evacuation and repatriation


Up to S$1,000 travel delay (S$100 per 6 hours either overseas or in Singapore)


Up to S$500 baggage delay (S$200 per 6 hours either overseas or in Singapore)


Up to S$3,000 baggage/personal belongings

ASEAN: From S$33

Asia: From S$39

Worldwide: From S$55

Etiqa TIQ Travel Insurance
[Non-Pre-Ex Entry]

Limit per article: S$250

Up to S$200,000 for overseas medical coverage (Below 70 years)


Up to S$7,500 for medical expenses incurred in Singapore


Up to S$150,000 accidental death and disability coverage (Below 70 years)


Up to S$300 travel delay (S$50 per 3 hours)


Up to S$5,000 trip cancellation


Up to S$200 baggage delay (S$100 per 6 hours)


Up to S$2,000 baggage/personal belongings

ASEAN: From S$42

Asia: From S$44

FWD Travel Insurance: Most Value-For-Money Travel Plan?FWD Travel Insurance 
[Premium]

FWD Travel Insurance Promotion: Use the promo code CNY2023 to get a 28% discount on your Single and Annual Trip plan. Valid till 31 January 2023. T&Cs apply.

Limit per article: Up to S$300 (Premium), or up to S$500 (Business, First)

Up to S$200,000 overseas medical coverage


Up to S$500,000 for personal liability


Up to 21 days of automatic travel cover extension (subject to conditions)


Up to S$7,500 trip cancellation


Up to S$300 travel delay (S$100 per 6 hours either overseas or in Singapore) 


Up to S$150 baggage delay (S$150 per 6 hours either overseas or in Singapore)


Up to S$3,000 baggage/personal belongings

ASEAN: From S$24.30

Asia: From S$26.10

Worldwide: From S$38.70

HL Assurance - Home | FacebookHLAS COVIDSafe Travel Protect360
[Enhanced]

Limit per article: S$500

Up to S$250,000 overseas medical coverage (Up to S$50,000 for COVID-19)


Up to S$15,000 medical expenses incurred in Singapore


Unlimited medical evacuation


Up to S$250,000 personal accident and disability coverage


Up to S$1,000 trip delay (per 6 hours)


Up to S$7,000 trip cancellation (Up to S$1,000 for COVID-19)


Up to S$1,000 baggage delay


Up to S$5,000 baggage/personal belongings 

From S$36

MSIG Travel Insurance Review: Best Value For Money?
MSIG TravelEasy Plan
[Non-Pre-Ex Standard]

TRAVELINSURANCE_MSIG_9-31JAN_INBLOGARTICLE

SingSaver Exclusive Promotion: Enjoy 45% off Single Trip plans and 25% off Annual Plans. In addition, receive up to S$38 via PayNow when you apply. Valid till 31 January 2023. T&Cs apply.

Plus, all successful applicants of any MSIG Travel Insurance products will score 2x entry in our SingSaver CNY Grand Lucky Draw. Stand to win your share of over S$14,000 worth of exciting prizes! Valid till 31 January 2023. T&Cs apply.


Limit per article: S$500

COVID-19 coverage


Up to S$250,000 overseas medical expenses (Below 70 years)


Up to S$25,000 medical expenses incurred in Singapore (Below 70 years)


Up to S$150,000 accidental death and disability coverage (Below 70 years)


Up to S$5,000 trip cancellation


Up to S$750 travel delay


Up to S$600 baggage delay (S$150 per 6 hours)


Up to S$3,000 baggage/personal belongings

Area A: From S$37
Area B: From S$44
Area C: From S$69

Singlife Travel Insurance Reviews and Comparison - SeedlySinglife Travel Insurance
[Travel Lite]

TRAVELINSURANCE_SINGLIFE_1-15_21-31JAN_INBLOGARTICLE-1

SingSaver Exclusive Promotion: Enjoy an 18% discount when you use the promo code TRAVEL18 for single-trip travel insurance plans only. Valid till 31 January 2023. T&Cs apply.


Limit per article: Up to S$500 (Lite) or up to S$700 (Plus, Prestige)

Up to S$250,000 overseas medical coverage


Up to S$50,000 accidental death and disability coverage


Up to S$5,000 trip cancellation


Up to S$1,000 trip interruption (Itinerary change)


Up to S$3,000 for baggage/personal belongings

ASEAN: S$42.24
Asia, Oceania: S$52.42
Worldwide: S$77.93

Sompo Travel Insurance
[Essential]

Limit per article: S$200

Up to S$200,000 overseas medical coverage


Up to S$100,000 COVID-19 medical coverage


Up to S$100,000 personal accident and disability coverage


Up to S$500,000 for personal liability


Up to S$2,000 for COVID-19 trip cancellation or trip postponement each


Up to S$1,200 baggage delay (S$200 per 6 hours either overseas or in Singapore)


Up to S$1,000 baggage/personal belongings

Area A: From S$64
Area B: From S$90
Area C: From S$165

Starr TraveLead Travel Insurance
[Bronze]

Limit per article: S$1,000 

Up to S$200,000 overseas COVID-19 medical coverage (Up to S$15,000 for follow-up treatment in Singapore)


Up to S$150,000 personal accident and disability coverage


Up to S$5,000 trip cancellation (Up to S$1,000 for COVID-19)


Up to S$500 travel delay (S$100 per 6 hours)


Up to S$3,000 for baggage/personal belongings

From S$27 (with added baggage coverage)

Tokio Marine Travel Explorer P325 - Unlimited medical expensesTokio Marine Xplora Plus Travel Insurance
[Classic]

Limit per article: S$1,000

Up to S$300,000 for overseas medical coverage (Below 70 years old)


Up to S$15,000 medical expenses incurred in Singapore


Up to S$200,000 for accidental death and disability


Up to S$5,000 trip cancellation


Up to S$1,200 for travel delay (S$100 per 6 hours)


Up to S$1,200 baggage delay


Up to S$5,000 for baggage/personal belongings

Zone A: S$70
Zone B: S$101

SS_TI_CNY_BLOGARTICLE

SingSaver Exclusive Travel Insurance Offer: All successful applicants of any MSIG, TIQ, Starr & Allianz Travel Insurance products will score up to 2x entry in our SingSaver CNY Grand Lucky Draw. Stand to win your share of over S$14,000 worth of exciting prizes! Valid till 31 January 2023. T&Cs apply.

Compare and purchase your travel insurance through SingSaver to get the best deals and discounts for your preferred coverage!

Read more:
Best COVID-19 Travel Insurance Plans (2022)
Best Travel Insurance in Singapore (2022)
Best Travel Insurance Plans and Promotions in Singapore (November 2022)
Top 3 Things Travel Insurance Should Cover (And How Much is Enough)

 

So which travel insurance policy is the best for camera equipment coverage?

Most value-for-money: Starr TraveLead Travel Insurance (Bronze Plan)

For those on a budget, Allianz Travel Insurance (Bronze Plan) offers excellent camera-related coverage for only S$21 onwards in premiums, subject to your trip’s duration.

Offering a claim benefit of up to S$1,000, you can rest assured your valuable camera and accessories will be well protected.

This is one of the rarer travel insurance policies that allow for maximum camera claims as compared to other similarly-priced bronze plans like Allianz Travel’s one, which only allows claims of up to 50% of the original camera equipment cost.

You can view more policy details here.


Highest coverage: Tokio Marine Xplora Plus Travel Insurance (Classic Plan)

 


The Tokio Marine Xplora Plus Travel Insurance (Classic Plan) is another worthy contender to safeguard your camera and equipment. It offers up to S$1,000 coverage for stolen, misplaced, or damaged cameras and video cameras per article limit.

Compared to the above Starr TraveLead policy, this Tokio Marine Xplora Plus policy has a higher coverage limit of up to S$5,000 for baggage and personal belongings overall. Thus, if you’re a paranoid or forgetful traveller, this extra bit of coverage might serve you well.

Unfortunately, the downside to this plan is its hefty premium charge depending on the country zone you’re embarking to — S$70 for Zone A and S$101 for Zone B.

You can view more policy details here.


Honourable mention: Allianz Travel Insurance (Bronze Plan)

An honourable mention goes to Allianz Travel for its above-average coverage and decent premium price for camera equipment. 

Likewise, it offers up to S$1,000 in coverage for cameras except there’s a catch. Only 50% of the original cost of the camera and related accessories can be claimed in benefit, provided that the relevant receipts and documents claims are submitted.

Premiums start from S$33.88, which is still fairly affordable.

You can view more policy details here.


FAQs about travel insurance coverage for camera equipment

Q: What coverage does travel insurance offer for your camera equipment?

A: In general, travel insurance with camera equipment coverage should entail photography gear, lighting equipment, your camera and lenses on and off filming premises as well as during transit or transportation.


Q: Is it possible to add equipment coverage to existing travel insurance policy?

A: Typically, baggage coverage is an existing category already included in your plan’s benefits.

However, there are some policy plans that offer you the base tier featuring basic medical coverage. Therefore, you’ll have to be careful and ensure you tick or check the box for add-on baggage coverage in such cases.


Q: Should I buy the travel insurance offered together with my air ticket?

A: No. Although seemingly cheap, the coverage under these plans isn’t as extensive as originally thought. The coverage outline is usually designed to be as minimal as possible.

In turn, this also means that the “cheap” premium price might be more expensive than what its coverage is actually worth.


Q: What kind of documents must I submit during the claim for lost, stolen, or damaged cameras and equipment?

A: In general, you’d need the basic documents like the purchase receipt, serial number of your camera gear, a photo of your gear, and maybe even a photo of you with your camera. 

Of course, the documents required vary depending on your plan. Please read through your respective policy’s T&Cs closely to avoid doubt.


What to do if you lose your camera and equipment overseas?

#1 Contact your travel insurer to inform & ask about the claims process

Although a bit bleak, having damaged camera gear is more ‘favourable’ than it being lost or getting stolen. Regardless, it’s best for you to contact your travel insurance agency immediately to report the situation and file a claim.

Depending on whether it’s lost, stolen, or damaged, your insurer will then determine the appropriate amount to reimburse you after successfully processing your claim.


#2 Report to the local authorities

This should be another no-brainer if your camera gear and related equipment are lost or stolen. It’s also best to do this immediately so that action can be taken as quickly as possible. 

While it’s good to remain positive, some countries have a higher statistical theft rate than others. Thus, locating your misplaced or stolen equipment might take longer than expected in countries where theft is more commonplace.

Alternatively, you can consider retracing your steps to visit the places you’ve last been in. You’ll have a higher chance of recovering your lost camera and equipment before someone else takes it away! 

Sometimes, taking matters into your own hands might be just the solution in the nick of time.


#3 Visit the Singapore embassy

If need be, you can also consider visiting the Singapore embassy to seek assistance. They might be able to advise or help liaise you with local authorities better to expedite the search for your camera. 

However, most embassy visits are typically reserved for more emergency situations such as losing your phone or passport overseas. 

SS_TI_CNY_BLOGARTICLE

SingSaver Exclusive Travel Insurance Offer: All successful applicants of any MSIG, TIQ, Starr & Allianz Travel Insurance products will score up to 2x entry in our SingSaver CNY Grand Lucky Draw. Stand to win your share of over S$14,000 worth of exciting prizes! Valid till 31 January 2023. T&Cs apply.

Compare and purchase your travel insurance through SingSaver to get the best deals and discounts for your preferred coverage!

Read these next:
Where to Buy Travel Insurance 2022 (With COVID-19 Coverage): Insurers, Credit Card Rewards, or Airlines
Travel Insurance Plans For Stolen/Lost Phones: Claim Up to S$2,000
10 Tips on Buying the Right Travel Insurance in Singapore
Travel Insurance Add-ons: Which Ones are Worth Your Money?

With a minor problem of ‘itchy fingers’ when it comes to checking out at flash deals and sales, Emma is on a lifelong journey to understand what being financially independent in adulthood means. That said, her inner child is still very much alive… with animals and gaming (especially Pokémon) being her weak spot.