UOI’s UniTravel Insurance provides extensive protection across multiple areas of concern for travellers, from medical emergencies to trip cancellations. Backed by United Overseas Bank (UOB), one of Singapore’s leading financial institutions, these plans offer strong financial stability and reliable claims processing. 

They are particularly well-suited for existing UOB customers, who may find it more convenient to manage their banking, credit card, and insurance needs within the same ecosystem. Additionally, a complimentary travel insurance plan is included for customers who charge their entire travel fare to an eligible UOB card.

UniTravel Insurance offers three tiers of coverage: Value, Plus, and Pro, allowing travellers to match protection with their needs and budget. The Value plan covers essentials for short or budget trips, while Plus plan adds higher limits and broader benefits for families and frequent travellers. The Pro plan delivers the most comprehensive coverage with premium limits, ideal for long-haul journeys or those seeking maximum peace of mind. 

Choosing the right tier depends on factors like trip length, destination, activities, and personal risk tolerance. Here’s what each plan covers:

Let’s take a look at how UniTravel Insurance fares against other travel insurance providers across the most basic tiers:

The UniTravel Insurance Value Plan offers solid entry-level cover with S$100,000 medical, S$3,000 trip cancellation, and S$500 travel delay benefits, making it stronger than Great Eastern’s basic plan and comparable to Singtel in disruption cover. 

However, it falls short on accidental death and baggage loss limits, so it’s best for budget-conscious travellers prioritising medical, trip disruption, and COVID-19 cover, rather than those needing higher payouts for personal accident or belongings.

• Pre-existing conditions: Across all tiers, UniTravel Insurance does not cover pre-existing conditions, which is standard practice in Singapore’s travel insurance market. Specialised products, such as Income’s Enhanced PreX plans or MSIG’s TravelEasy Pre-Ex, offer tailored coverage for travellers with ongoing health conditions. This makes UniTravel best suited for generally healthy travellers, while those with pre-existing illnesses may need to consider specialised alternatives.

• Overseas medical expenses: UniTravel provides a wide range of overseas medical coverage, starting at S$100,000 under the Value plan and extending up to S$750,000 under the Pro plan. This positions it above providers like Zurich, whose Prestige plan caps at S$250,000, but below premium insurers such as Allianz Travel, which offers medical limits up to S$1 million. The tiered approach makes UniTravel adaptable for different trip types, from short regional getaways to long-haul journeys where higher limits may be essential.

• Trip cancellation & delays: Trip disruption benefits are one of UniTravel’s strengths. Even the entry-level Value plan includes S$3,000 in trip cancellation cover and S$500 for delays, rising to S$10,000 and S$1,500 respectively under the Pro plan. These benefits are more generous than those offered by Zurich’s Basic plan (S$2,500 cancellation, S$200 delay) or Great Eastern’s Basic plan (S$2,000 cancellation, S$100 local delay), and closer to higher-end offerings like Singtel TravelProtect, which provides S$5,000 cancellation at the entry level. This makes UniTravel particularly appealing for travellers who want strong disruption protection without paying for premium-tier products.

• COVID-19 coverage: A key advantage of UniTravel is that COVID-19 coverage is included across all tiers. This ensures protection for pandemic-related medical expenses and trip disruptions, regardless of tier. Competitors such as Great Eastern either exclude or limit COVID-19 cover in their entry-level plans, while Zurich and Singtel TravelProtect align more closely with UniTravel by extending pandemic benefits across tiers. For travellers who still see COVID-19 risks as a concern, UniTravel offers a clear edge over insurers that reserve pandemic protection for higher-priced plans.

Below are some general exclusions to take note of:

• Pre-existing medical conditions

• One-way trips

• Transit through and travel to excluded countries

• Travel against medical advice

• Certain high-risk activities — for example, hot-air ballooning is covered, but bungee jumping is not

• Self-inflicted injuries

• War and terrorism-related incidents

• Alcohol and drug abuse

• Pregnancy-related complications beyond specific weeks

UOI’s UniTravel Insurance offers well-rounded coverage across three tiers, making it easy for travellers to choose a plan that fits their budget and needs. With overseas medical cover of up to S$750,000 and generous trip disruption benefits, policyholders are well supported if unexpected issues arise. COVID-19 coverage is also included across all plans, a notable advantage over some insurers that reserve pandemic benefits for higher-priced tiers. Backed by UOB’s financial stability, UniTravel gives families and frequent travellers added peace of mind, especially with its annual multi-trip option and family-friendly policies.

That said, there are some limitations. Like most mainstream insurers, UniTravel does not cover pre-existing conditions, meaning travellers with ongoing health issues may need to consider specialised products such as Income’s Enhanced PreX or MSIG’s TravelEasy Pre-Ex. The Value plan also has relatively lower baggage and personal accident limits, which may not satisfy those carrying expensive belongings or seeking higher payouts. High-risk activities are excluded entirely, limiting the policy’s appeal for adventurous travellers.

Overseas medical and hospitalisation 

UniTravel Insurance offers robust overseas medical and hospitalisation coverage, with limits scaling up across its three tiers — from S$100,000 on the Value plan to significantly higher sums on the Plus and Pro tiers. 

This ensures travellers have financial protection against unexpected medical emergencies, whether it’s a short trip to a neighbouring country or a long-haul journey. While pre-existing conditions are not covered, the inclusion of COVID-19 medical coverage adds reassurance in today’s travel environment.

Emergency evacuation and personal accident

All UniTravel plans also include emergency medical evacuation and repatriation, providing assistance if a traveller needs to be transported to the nearest hospital or back to Singapore for further care. Higher-tier plans raise the coverage limits, making them particularly valuable for destinations with costly healthcare. 

In addition, UniTravel provides personal accident benefits that cover accidental death or total permanent disability, offering peace of mind for families who want financial protection in the event of a serious mishap.

Travel inconvenience

UniTravel shines when it comes to travel inconvenience benefits. Even the Value plan offers up to S$3,000 for trip cancellations and S$500 for delays, providing meaningful compensation if flights are disrupted or plans are cut short. Baggage loss and delay are also covered, though limits are higher on the Plus and Pro tiers. 

Compared to other entry-level plans in the market, UniTravel provides more generous protection for these common issues, making it an attractive choice for travellers concerned about unexpected disruptions.

Customers who charge their entire travel fare to any of the following cards are eligible for UOI Complimentary Travel Insurance:

• UOB One Credit Card

• UOB EVOL Card

• UOB Absolute Cashback American Express Card

• UOB Visa Signature

• UOB PRVI Miles American Express

• UOB PRVI Miles World Mastercard

• UOB PRVI Miles Visa

• KrisFlyer UOB Credit Card

• KrisFlyer UOB Debit Card

• UOB One Debit Card

The complimentary plan provides a useful baseline of coverage, with S$50,000 in overseas medical expenses, S$50,000 for emergency evacuation, and S$200 for travel delays. While this is sufficient for short, low-risk trips, it falls far short of the paid Value, Plus, and Pro plans. As such, the complimentary plan works as a basic safety net, but travellers seeking comprehensive protection — particularly for long-haul or complex itineraries — will find much stronger peace of mind with the paid plans.

To initiate a claim, please follow these steps:

1. Complete the designated claim form.

2. Gather all necessary supporting documentation.

3. Send the completed form and documents via email to Broadspire at travel-uoi@broadspire.asia. Alternatively, you can reach Broadspire at +65 6632 8639.

It’s important to submit your claim within 31 days of your policy's expiry. Adherence to this timeframe is essential for the successful processing of your claim.

Overall, UniTravel Insurance is a flexible and well-rounded choice, offering three tiers that cater to different budgets and coverage needs. All plans include essentials like overseas medical protection, trip cancellation, travel delay benefits, and COVID-19 coverage, making it suitable for leisure travellers, families, and professionals alike.

However, the policy does not cover pre-existing medical conditions and excludes high-risk activities, which may limit its suitability for some travellers. If you need those protections, you may be better served by specialised plans. Otherwise, UniTravel stands out as a reliable option backed by UOB, offering strong value for those seeking dependable travel insurance with flexible tiers.