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Aviva Travel Insurance Singapore Review 2019

Best for: Group or family policies (because of the extra 30% discount for MINDEF / MHA Group Term Life policyholders and their immediate family members).

Promo Code: TRAVEL28 (get 28% discount)
Pros:
  • Full terrorism cover
  • Cover loss of frequent flyers points
  • Trip Cancellation for any reason and Change of Traveling dates for any reason. It covers 50% of the deposits intead of 100% under typical trip cancellation based on certain insured perils
  • Replacement Traveller (For Business Travel only) for Plus and Prestige Plans - additional transport and accommodation expenses incurred to replace one traveller to take over your business trip
Cons:
  • No cover for any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on your policy schedule.
  • No pre-existing conditions cover
  • Excludes participation in dangerous sports and leisure activities

Types of Plan

Aviva provides three tiers of Plans with different coverage and pricing - Lite, Plus and Prestige. For more details, please read the full list of benefits and exclusions in the policy wording.
Plan Type Cancellation Medical Coverage (Overseas) Bags/Belongings
Lite $5,000 $250,000 $3,000
Plus $15,000 $2,000,000 $5,000
Prestige $20,000 Unlimited $8,000
Add-Ons/ Optional Riders - (1) Oversea Wedding & Photoshoot; (2) Golf Holiday; (3) Winter Sports; (4) Extreme Water Sports.

Aviva Lite Plan

Aviva Lite Plan, is good for travellers who are looking for average coverage with decent pricing. In terms of travel inconveniences, Aviva Lite Plan offers a benefit limit of $1,000 for baggage delay (at $200 for every six hours of baggage delay both overseas and in Singapore). Personal accident coverage is at $50,000.

Aviva Plus Plan

Aviva Plus Plan offers a relatively high medical coverage of $2,000,000, which is above the industry average. For baggage delay, the benefit limit is at $1,000 (capped at $200 for every six hours of baggage delay both overseas and in Singapore), similar to the Lite Plan. Personal accident coverage is at $100,000.

Aviva Prestige Plan

Aviva Prestige Plan offers an UNLIMITED overseas medical expense, making it suitable for travellers who are travelling to places where medical treatment/ hospitalisation due to an accident is going to cost an arm and leg. Additional coverage such as Car Rental Vehicle Return (up to $500), Home Contents (up to $15,000) and Domestic Pet Care (up to $1,000) are embedded in the Prestige base plan, and these are usually add-ons for other insurers. Baggage delay benefit limit is at $2,000 (payable at $200 for every six hours of baggage delay both overseas and in Singapore) and personal accident coverage is at $500,000.

Exclusions

Exclusions Exclusions
Pre-existing medical condition. Any sports equipment and personal mobility device (PMD) that is damaged while it is being used.
Any loss, injury or damage due to the influence of alcohol or non-prescription drugs or medications. Dangerous sports and leisure activities with a high inherent level of risks (eg. bungee jumping, parachuting, free-flying, zip lining, flying fox, marathons, outdoor rock climbing, cliff jumping).
Claims arising from mental problem or insanity. Travelling against the advice of regulatory authorities.
Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane. Any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on your policy schedule.
Any claim that results from a medical condition planning to get medical treatment for during your trip. Delayed departure for any claim caused by an event (including Catastrophic Event, strike, riot or civil commotion) that existed, was planned or occurred before you bought your policy or booked your trip, whichever is later.

Pricing

We will look at pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. We recommend you to check out Aviva Plus and Aviva Prestige (its Mid-Tier and Top-Shelf plans) for their above market average benefits at low pricing!
Basic Plan
Aviva Lite Industry Basic Plan Average
1 week ASEAN $25 $26
1 week Asia $31 $32
1 week Worldwide $47 $46
Annual ASEAN $183 $149
Annual Asia $202 $208
Annual Worldwide $249 $282
Mid-tier Plan
Aviva Plus Industry Mid-Tier Plan Average
1 week ASEAN $34 $33
1 week Asia $44 $41
1 week Worldwide $66 $59
Annual ASEAN $255 $206
Annual Asia $281 $242
Annual Worldwide $346 $332
Top-Shelf Plan
Aviva Prestige Industry Top-Shelf Plan Average
1 week ASEAN $48 $47
1 week Asia $61 $58
1 week Worldwide $96 $80
Annual ASEAN $356 $269
Annual Asia $392 $310
Annual Worldwide $506 $430

How to Claim

To make a claim, please call +65 6322 2022 for Aviva’s claims assistance helpline or alternatively, click here to access their claims portal.
Summary of Product
High Medical Coverage
Aviva offers up to unlimited coverage for oversea medical expenses and emergency medical evacuation (Travel Prestige Plan).
Rental Vehicle Excess Cover
Embedded in the base plan across all plans, this coverage covers the excess or deductible which You become legally liable to pay in respect of loss or damage to the rented private vehicle during Your Trip, up to a benefit limit of S$2,500.
Loss of Frequent Flyer Points
If you purchase airline ticket, entertainment ticket or book accommodation using frequent flyer points or similar reward points, and is subsequently cancelled due to the events for which you are covered, Aviva will pay back the retail price at the time it was issued, provided the loss of points cannot be recovered from any source.
24-hour Worldwide Emergency Medical Assistance
Help when you’re travelling and in need. An experienced medical emergency assistance coordinator will deal with your enquiry and make sure that where necessary, hospitals are contacted, medical advisers are consulted and necessary medical fees are guaranteed.
Automatic Extension of Cover
Policy will remain in force for up to 30 days without any extra premium if return journey is prevented due to public transport delays or due to an accidental injury, illness or quarantine.
Child Minder
Provide additional accommodation and travelling expenses for your close relative or friend to accompany the child covered under this policy home if you sustain death or become hospitalised overseas during your trip.