Thinking about getting UOB Travel Insurance – InsureTravel – for your next adventure? Dive into this review to discover if it fits your travel plans perfectly.
While UOB might be more commonly associated with banking and credit cards, their travel insurance, named InsureTravel, packs a powerful punch. Offering extensive coverage at inexpensive costs, InsureTravel delivers the protection you need when you're far from home.
This post will review its coverage and what makes it stand out. Plus, we’ll compare it with UOB’s complimentary travel insurance that comes with their credit card and introduce a fantastic one-stop travel website by UOB that makes planning trips easy.
Table of contents:
- UOB Travel Insurance - InsureTravel - Summary
- UOB Travel Insurance - InsureTravel’s Review
- Exclusions
- Claims Process
- Comparison between UOB InsureTravel and UOB Complimentary Travel Insurance
- Trip Planning Made Easy With UOB Travel Insider
- Conclusion
UOB Travel Insurance - InsureTravel - Summary
Before we get into all the details, here's a table that quickly summarises the key information about InsureTravel.
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Insurer
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United Overseas Insurance Limited
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Name of Plan
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InsureTravel
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Who Can Apply
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COVID-19 Coverage
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Yes, the plan covers medical expenses and trip cancellation due to COVID-19.
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Does It Cover Pre-existing Medical Conditions?
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No. The plan does not cover medical expenses caused by your existing health conditions.
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Outdoor Activities It Covers
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Indicative Premium
(Including Discounts)
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Here are examples of how much the plan will cost for some popular travel destinations.
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UOB Travel Insurance - InsureTravel’s Review
InsureTravel is a travel insurance by United Overseas Insurance Limited (UOI), a subsidiary of United Overseas Bank Limited (UOB).
The plan might not be as well known to the public as other travel insurance brands, but it still has excellent coverage and competitive premiums compared to its peers.
An Overview of InsureTravel’s Coverage
InsureTravel has a comprehensive scope of benefits. It protects you from financial losses and hefty medical bills if something goes wrong before, during, and after your trip.
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InsureTravel’s Summary of Benefits
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Before Your Trip
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During Your Trip
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After Your Trip
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Some of the benefits listed above are only offered in the top-tier plan type, i.e., InsureTravel Preferred Plan, and not in the basic and mid-tier plan types, i.e., InsureTravel Basic Plan and Essential Plan.
Make sure that you select the right plan type to meet your needs. If you want the most complete protection, go with InsureTravel Preferred Plan.
Standout Benefit: Credit Card Fraud and Credit Card Liability Protector
InsureTravel stands out for its credit card coverage. It has two benefits for credit cards: Credit Card Indemnity and Credit Card Liability Protector.
Credit Card Indemnity:
When we travel and make payments using our credit cards, we risk having our credit cards cloned by thieves and fraudulent transactions charged to our cards. InsureTravel’s ‘Credit Card Indemnity’ benefit will help you cover some of the financial loss if this happens.
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Maximum Limit Per Plan
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Basic
Plan
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Essential Plan
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Preferred Plan
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Credit Card Indemnity
Sub-limit for phone charges (calling UOB Card Centre)
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S$250
S$50
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S$500
S$100
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S$750
S$150
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Exclusive for UOB cardholders, you will also be covered for the phone charges you incur when making phone calls to UOB Card Centre to report the loss of your UOB credit card.
Credit Card Liability Protector
If something tragic happens and you pass away from an accident on your trip, InsureTravel can help your family. The plan will pay off the balances on your credit cards up to your policy's limit. It means your loved ones won't be left with that debt after you're gone.
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Maximum Limit Per Plan
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Basic Plan
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Essential Plan
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Preferred Plan
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Credit Card Liability Protector
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S$1,000
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S$3,000
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S$3,000
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COVID-19 Coverage Under InsureTravel
InsureTravel has built-in COVID-19 coverage. You don't need to add it separately.
Compared to cheaper travel insurance, its COVID-19 benefits are extensive. If you want comprehensive protection related to COVID-19 on your trip, InsureTravel is a great pick.
Here are the COVID-19 benefits it includes:
- Trip cancellation/postponement
- Medical expenses during your trip
- Emergency medical evacuation/repatriation
- Overseas hospital daily allowance
- Overseas quarantine daily allowance
- Trip curtailment
- Get well benefit
- Bereavement benefit
Exclusions
InsureTravel does not cover pre-existing medical conditions. If you have an ongoing health issue, it won't pay for treatment if that flares up on your trip. You need a plan like Tiq Travel Insurance that covers pre-existing conditions.
InsureTravel also has limits on sports coverage. It won't cover you for professional or income-earning sports/games. But leisure activities like scuba diving and hiking are covered, as long as they're conducted by licensed organisers and under the supervision of qualified instructors.
Additionally, all airborne activities are excluded. The plan won’t cover things like skydiving and hot air ballooning.
Claims Process
If you need to claim under your InsureTravel policy, the process involves filling out a claim form. You can get the form on their website. It's important to notify the insurer of any claims immediately. All claims must be reported no later than 31 days after your policy expires.
UOB InsureTravel vs UOB Complimentary Travel Insurance: What's the Difference?
UOB offers free travel insurance if you pay for your entire travel fare with a UOB credit card. The UOB cards that are eligible for this perk are:
- 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
After making payment for your travel tickets, enroll in the complimentary UOB travel insurance using their online form.
So, how does the complimentary travel insurance stack up against the paid version - InsureTravel?
The free cover is quite basic, which makes sense since it's free. UOB complimentary travel insurance has only two benefits:
- Personal Accident
- Emergency Medical Evacuation/Repatriation.
Unlike InsureTravel, the free travel insurance won't cover you for flight delays, trip cancellation, medical expenses, loss of baggage and baggage delay, credit card indemnity, and more.
If you want better protection, you may still want to purchase a policy like InsureTravel.
Nonetheless, it's worth signing up for the free travel insurance for the extra protection if you used an eligible UOB card to pay for your trip.
Trip Planning Made Easy With UOB Travel Insider
UOB Travel Insider is Southeast Asia’s first one-stop travel portal. It helps you plan and book trips all in one place.
Planning trips can take hours of searching online and offline to find information about where to go. Travelers must also compare hotels, tours, and flights across many websites to get the best deals and make the perfect itinerary. It can be tiring and stressful before the vacation even starts!
UOB Travel Insider makes it easier. It provides insider tips, travel guides, and trip ideas all in one place. There are also attractive deals for flights, hotels, popular attractions, restaurants, tours, rentals, and shopping to help you with great cost savings!
Final Thoughts on UOB InsureTravel
InsureTravel by UOB is a comprehensive travel insurance with useful benefits like credit card fraud protection and COVID-19 coverage. For budget travelers, the complimentary UOB travel insurance also offers basic coverage when you pay for your travel fare with an eligible UOB card.
Use UOB Travel Insider for seamless trip planning and enjoy attractive deals for additional cost savings.
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