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Travel Insurance FAQs

Any number of things can go wrong, especially when you’re in an unfamiliar country. Travel insurance takes the stress out of travelling. It covers you against a number of things including loss of personal belongings, cash, baggage, delayed flights and even accident treatment and hospitalisation when overseas. While we all hope every trip goes as planned, it’s important to be prepared when it doesn’t. Travel insurance ensures you don’t suffer financial loss in addition to the disappointment of having your holiday plans disrupted. If you’re injured or hospitalised, you can focus on recovering rather than worry about the cost involved. Best of all, coverage against the unexpected doesn’t come at too high a cost.
You must be a Singaporean or Permanent Resident of Singapore with a valid NRIC or FIN. Foreigners must have a valid work pass, employment pass, long-term visit pass or work permit. You must be 18 years old and above. Your insured children must be aged 18 and below and be unmarried or under 25 if studying full time at a recognised institute. The trip must start and end in Singapore.
The most common types of travel insurance are individual plans and family plans, that can be bought as single-trip plans and annual plans. There’re also specialised plans for less common travel activities like adventure trips and cruises. These too can be bought as single-trip or annual plans. Most travel insurance plans start on the day of your trip and end when you land back in Singapore.

Depending on the coverage you opt for, you’ll even be covered for sickness or injury that occurs overseas and needs treatment after you return to Singapore.

Individual plans cover a single traveller while a family plan usually covers two adults and up to four kids.

Single-trip travel insurance covers you for just one trip. Annual plans let you take an unlimited number of trips in a calendar year for a fixed premium. Obviously, single-trip travel insurance is cheaper but if you travel often, both for work and leisure, annual plans make more financial sense.

Many plans have options to cover high risk activities like scuba diving, trekking, skiing and wakeboarding. You simply need to tick that option and pay a small added premium to enjoy coverage while taking part in such activities. Travel insurance now covers activities like overseas wedding photo shoots too! So, consider what you will or will not be doing on your trip after which you can compare travel insurance plans.
Contrary to common wisdom, don’t buy travel insurance just before you leave. Ideally, purchase travel insurance once you book your flight and accommodation. That’s because many plans cover trip cancellation (for reasons like illness or death). If you’re unable to make the trip, you’ll be covered. Do note, however, that the earliest your policy will cover you is 60 days before your trip.
Given its popularity, buying travel insurance is now a hassle-free process. Most people compare travel insurance plans online and apply online too. It’s a simple process that takes less than 10 minutes. You can also buy travel insurance through an authorised insurance agent or at the office of your regular insurer.
The two most important areas of cover you should look out for are travel inconveniences and sickness or injury. Travel inconveniences comprise loss, damage or delay of luggage; delay or cancellation of flights; delay or curtailment of travel and other inconveniences. Sickness and injury include falling sick, getting injured or being hospitalised while overseas.

Travel insurance plans provide different levels of cover, according to the amount of premium paid. So, pay attention to specific details. For example, the claim limit for loss of personal items may be $10,000. But the limit for a lost laptop may be just $1,000 regardless of its purchase price. If you bring an expensive camera on holiday, be sure to buy a travel insurance plan that will cover its actual cost should it be lost or stolen.

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