Travel Smart: A Guide To Claim Singlife Travel Insurance
Updated: 14 May 2024
Written byAlevin K Chan
Travel Insurance Claim
Need help with your Singlife travel insurance claims? Here's a guide on how to do them.
Best Travel Insurance Plans (2023)
Starr TraveLead Travel Insurance | Allianz Partners Travel Insurance | HLAS CovidSafe Travel Protect 360 | AIG Travel Guard® Direct | FWD Travel Insurance | Singlife Travel Insurance | Starr Cruise To Nowhere Travel Insurance | Sompo Travel Insurance | MSIG TravelEasy | Etiqa (TIQ) Travel Insurance | Tokio Marine TM Xplora Plus | Ergo Travel Protect
Travel insurance policies can offer powerful benefits that far outweigh their cost. This is especially in the case of Singlife as it offers very holistic coverage at a very reasonable price.
With the Singlife Travel Prestige plan, the highest-tier plan, you can receive unlimited coverage for your overseas medical claims, S$8,000 coverage for loss or damaged baggage, and personal liability of up to S$2,000,000.
They also have nifty features that are unique to them, like rainfall protection of up to S$150 and trip cancellation for any reason, up to S$7,500.
These benefits only trigger when the relevant incident occurs, and you’ll need to submit a claim in order to receive your policy benefits.
While insurers strive to cover as many scenarios as possible, the nature of insurance – essentially sharing risk across a group of participants – means that it is impossible to cover every single eventuality or scenario.
Insurance providers have to manage and edit the list of incidents they cover, so as to keep the cost of insurance affordable for as many people as possible. They also have to carefully evaluate each claim to ensure that payouts are justified, as erroneous or dubious payouts will also cause the cost of insurance to go up. This is exactly the case for bigger claims like emergency travel assistance, and personal accident resulting in death or permannet disability.
There’s a lot that can go on behind the scenes in a travel insurance claim, so here's a guide if you're making a Singlife travel insurance claim.
Table of content:
- Know Your Shield: Understanding Coverage, Limits, and Conditions
- Be concise in explaining what happened
- How to claim my insurance?
- How long does it take to process my claim?
- Conclusion: claiming peace of mind
Buying travel insurance? Compare the best deals on our site, including travel insurance plans with COVID-19 coverage.
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 5 January 2024. T&Cs apply.
| Travel Insurance | Premium for Individual Cover | Covid-19 Coverage | Promotion |
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Starr TraveLead Travel Insurance
|
from S$11.05 (for 1 week in ASEAN)
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Yes
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Get up to $50 Grab Vouchers (min. Premium $30) and get 40% off when you use promo code SS40. Plus, till 5 January, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply.
|
|
MSIG Travel Easy
|
from S$34.10 (for 1 week in ASEAN)
|
Yes
|
Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 January 2024. T&Cs apply. Plus, till 5 January, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.
Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
|
|
Allianz Travel Insurance
|
from S$34.10 (for 1 week in Asean)
|
Yes
|
Use promo code TRAVEL40 to get 40% discount, up to $35 Grab Vouchers, and 1x Airalo eSim with up to 3GB data (minimum premium of $60) when you apply NOW! Valid till 14 January 2024. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply. |
|
FWD Travel Insurance
|
from S$22.50 (for 1 week in Asean)
|
Yes
|
Use the promo code WELCOME24 to get a 25% discount on Single and Annual Trip plans! Valid till 7 Jan 2024. T&Cs apply. Also receive: 1x Apple AirTag (worth $45) for the first 3,800 applicants. Valid till 5 January 2024. T&Cs apply. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. |
|
Etiqa (TIQ) Travel Insurance |
from S$39 (for 1 week in Asean)
|
Yes
|
Single Trip: Use the promo code TIQSINGSAVER to get 42% off. Valid till 14 Jan 2024. T&Cs apply.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply. |
|
Singlife Travel Insurance
|
from S$46.20 (for 1 week in ASEAN)
|
Yes
|
Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 28 February 2024. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply.
Annual Trip: Get a 25% discount when you use the promo code ANNUAL25. Valid till 31 Jan 2024. T&Cs apply. |
|
Allied World Travel Insurance
|
from S$45 (for one week in Asean)
|
Yes
|
Enjoy 48% discount for Single Trip Plans and 15% discount for Annual Trip plans when you apply now! Valid till 31 Jan 2024. T&Cs apply. Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply |
|
AIG Travel Guard® Direct
|
from S$30 (for 1 week in Asean)
|
Yes
|
Single Trip: Get $20 PayNow! (minimum premium of $80) when you apply now. Valid till 15 Jan 2024. T&Cs apply.
Annual Trip: Receive $200 PayNow when you apply now! Valid till 15 Jan 2024. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 5 January 2024. T&Cs apply. |
|
Great Eastern Travel Insurance
|
from S$52 (for one week in Asean)
|
Yes
|
Single Trip: Enjoy 20% off when you use promo code TSP20%. Valid till 31 Jan 2024. T&Cs apply.
Annual Trip: Enjoy 10% off when you use promo code TSP10A. Valid till 31 Jan 2024. T&Cs apply. Discount is only valid for Elite and Classic plans.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 5 January 2024. T&Cs apply. |
|
Seedly Travel Insurance
|
from S$49.80 (for 1 week in Asean)
|
No
|
Receive 50% off and 1x Airalo eSIM worth up to 3GB data when you apply NOW! Valid till 31 January 2024. T&Cs apply. Stand a chance to win an Apple IPad 9th Gen. T&Cs apply. |
Know Your Shield: Understanding Coverage, Limits, and Conditions
As mentioned, your travel insurer will only approve claims that fall within strict stipulations, which makes it crucial to understand exactly what’s covered, how much and under what circumstances.
Pay attention to any explicit exclusions – general or otherwise – that are listed in your policy documents; those are generally non-negotiable and applicable policy wide.
Another thing to note is the sub-limits, which will impact how much you will receive for any one individual item (such as a laptop or tablet), or sub-category of items (such as jewellery).
These sub-limits apply even if the main benefit has not been exhausted.
For example, let’s say you have a S$5,000 maximum benefit for personal luggage, but a S$1,000 sub-limit for personal laptops.
You will only receive S$1,000 in compensation if your laptop gets damaged or stolen – even if it is the only item you are claiming for under your personal luggage benefit.
Hence, if you put in a claim for, say, S$3,000 under your personal luggage benefits, but it’s actually to cover the cost of your stolen laptop, your claim will be countered or even outright rejected.
Be concise in explaining what happened
When submitting your travel claim, you will be asked to provide an account of what happened. This is a crucial piece of information that is meant to help the person processing your claim better understand what happened.
Thus, you will want to be concise – brief, but detailed – so as to ensure the most accurate interpretation of the causes behind your claim.
As a rule, you’ll want to follow the 5 basic questions that form the basis of any report:
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Who – The persons affected and/or involved.
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What – What happened, and pertinent details. Include any contributing or underlying causes, such as negligence on the part of the operator.
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When – When did the incident happen?
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Where – Where did this take place?
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How – How did the incident affect you, or cause losses or damages to you?
Try to keep sentences short and simple as you’re describing your incident. Focus only on the facts, and leave emotion and conjecture out.
Read Real User Reviews of Singlife Travel Insurance
But first, let's see what people have to say about Singlife Travel Insurance
Derek Wong
Loved the ease and seamless experience of purchasing the travel insurance online which was settled in a matter of minutes. The policy and everything were subsequently sent to your email address which was hassle free and for easy retrieval in future if needed (touchwood). Have not made any claims from Aviva yet so I am unable to comment on that.
Rachel
[Customer Service] Claims executive that handled my case was professional and efficient.
[Claims Process] It was a pleasant experience having my claim processed.
Derek Wong
Loved the ease and seamless experience of purchasing the travel insurance online which was settled in a matter of minutes. The policy and everything were subsequently sent to your email address which was hassle free and for easy retrieval in future if needed (touchwood). Have not made any claims from Aviva yet so I am unable to comment on that.
Read more reviews here
How to claim my insurance?
Call your insurer
You've never ran into any mishap overseas before but suddenly you do. You're at a lost. Who do you call first? Singlife.
Whether you need advice on which hospital to go to, the nearest police station and the necessary documents to process the claim, you should give Singlife a call at +65 6460 9391 for any assistance you need.
This 24/7 hotline will be extremely useful in situations like when you lose your travel documents or need emergency medical evacuation immediately.
Gather supporting documents
Supporting documents are vital in ensuring a successful travel insurance claim, but it can be difficult to understand what documents you should obtain – especially when dealing with an emergency or disruptions to your trip.
These are some supporting documents that Singlife requires:
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Nature of claim |
Supporting documents to include |
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Common documents for all types of claims
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Personal Accident / Medical Expenses / Hospital Benefit / Prebooked Golfing Green Fees
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Trip Cancellation or Interruption
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Delayed Departure or Diversion of Journey or Overbooked Flight, Voyage or Train or Missed Departure and/or Connection
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Baggage delay
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Loss or Damage of Baggage, Golf Equipment and /or Travel Documents / Theft of Jewellery & Personal Money
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Hijack & Hostage
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Hire of Replacement Golf Clubs
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Personal Liability
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Rental Vehicle Excess
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In particular, you’ll also want to seek refunds or compensation from airlines, tour agents, hotels and other operators. Your request will likely be denied, but you should include their response with your claim anyway.
This is because insurers may operate on a “last resort” basis, which means they may only accept your claim after all other avenues have been exhausted – including asking for refunds or compensation from airlines and tour operators.
Hence, if you submit your claim with no indication of prior attempts to seek refunds or compensation from operators, your insurer may request that you do so before proceeding with the processing of your claim, causing a delay.
Singlife Travel Insurance Promotion: Apply now to get the following below:
- Up to 8 x $10 Grab Vouchers or a Samsonite luggage. Valid till 31 October 2026. T&Cs apply.
- an Apple AirTag worth S$45 with minimum spend required. Valid till 31 October 2026. T&Cs apply.
- A free 1GB global eSIM. Valid till 31 December 2026. T&Cs apply.
Submit your claim
Once your documents are compiled, you may submit your Singlife travel insurance claim online here.
This is the only way to submit claims as Singlife discourages submitting your claims in-person at their service centres. Do make sure that all necessary documents are submitted to avoid any possible delays.
How long does it take to process my claim?
You'll receive an email confirmation within 3 working days of you sbmitting your claim. If they require any further documents, Singlife will get in touch with you within 20 working days.
When successful, you'll be notified via email and receive the payout via PayNow within 3 business days.
Claiming peace of mind
As long as you have the necessary documents and have done everything you're required to, your claim will most likely be approved unless otherwise stated.
If you need assistance, you can get in touch with Singlife by calling them at 68279966 or email them at gi_claims@singlife.com.
Singlife Travel Insurance Promotion: Apply now to get the following below:
- Up to 8 x $10 Grab Vouchers or a Samsonite luggage. Valid till 31 October 2026. T&Cs apply.
- an Apple AirTag worth S$45 with minimum spend required. Valid till 31 October 2026. T&Cs apply.
- A free 1GB global eSIM. Valid till 31 December 2026. T&Cs apply.
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About the author
Alevin K Chan
Alevin loves helping people make good money decisions. He briefly flirted with being a Financial Advisor, but quickly realised writing about personal finance is the better way to go.
