Zurich Travel Insurance offers broad protection for travellers, covering essentials such as overseas medical expenses, trip cancellations, and travel delays. As part of Zurich Insurance Group, a global insurer with a strong financial track record, it provides travellers with peace of mind through reliable coverage and claims support. 

Beyond its core benefits, Zurich also offers extras such as adventure sports coverage, home contents coverage (for the Essential and Prestige plans), and terrorism coverage.

Zurich Travel Insurance offers three tiers of coverage: Basic, Essential, and Prestige. The Basic plan provides entry-level protection for short or budget trips, while the Essential plan raises medical limits and adds benefits like home contents coverage, making it suitable for families and frequent travellers. The Prestige plan delivers Zurich’s highest coverage and premium perks, best for long-haul journeys or those seeking maximum peace of mind.

Choosing the right tier depends on factors such as trip duration, destination, and the level of financial protection you want. Here’s what each plan covers:

Below is a comparison of how Zurich’s Basic Plan fares against that of other providers:

The Zurich Travel Insurance Basic Plan provides modest entry-level protection with S$50,000 medical, S$2,500 trip cancellation, and S$200 travel delay cover, offering less disruption and medical protection than UniTravel or Great Eastern. 

It does, however, include a relatively stronger S$100,000 accidental death benefit and standard COVID-19 coverage. Overall, it suits travellers seeking affordable personal accident protection and essential COVID-19 cover, but those wanting higher medical or baggage loss limits may find better value with UniTravel or Great Eastern’s basic options.

• Pre-existing conditions: Like most insurers in Singapore, Zurich Travel Insurance does not cover pre-existing conditions across all its tiers. This is consistent with competitors such as Great Eastern, Singlife, and MSIG, which also exclude ongoing medical issues at entry- and mid-tier levels. Travellers with known health concerns should explore specialised plans, such as those offered by Income’s Enhanced PreX plans, which cater specifically to pre-existing conditions.
  
  

• Overseas medical expenses: Zurich’s medical coverage ranges from S$50,000 on the Basic plan to S$250,000 on the Prestige plan. While this provides decent protection for most destinations, it is more conservative compared to UniTravel (up to S$750,000) or Singtel TravelProtect (up to S$150,000 at entry level). Still, Zurich’s tiered structure offers flexibility, allowing travellers to balance budget and risk depending on trip length and destination.
  
  

• Trip cancellation & delays: In terms of disruption benefits, Zurich provides S$2,500 cancellation cover and S$200 delay cover on its Basic plan, rising to higher limits on the Essential and Prestige tiers. This is slightly less generous than UniTravel, which offers S$3,000 cancellation and S$500 delay cover even at entry-level, and lower than Allianz Travel, which is known for robust disruption protection. Nonetheless, Zurich still compares favourably to providers like Great Eastern, where basic coverage tends to be more limited.
  
  

• COVID-19 coverage: Zurich includes COVID-19 coverage across all plans, protecting travellers against pandemic-related medical costs and trip disruptions. This mirrors UniTravel’s approach and puts Zurich ahead of providers like AXA or Great Eastern, where pandemic cover may be restricted or offered only as an add-on. For travellers seeking reliable pandemic protection without paying for premium tiers, Zurich’s plans provide solid reassurance.

Zurich does not cover any costs incurred as a result of:

• Strikes

• Industrial action

• Adverse weather conditions

• Civil commotion

• Natural catastrophes

• Mechanical breakdown/derangement of common carriers

• Grounding of an aircraft as a result of mechanical or structural defect

• Serious Injury or sickness of any passenger

• Closure of airport or airspace

Zurich Travel Insurance is a reliable, flexible choice with three tiers, designed for different budgets and trip types. All plans come with COVID-19 coverage, plus extras like adventurous sports, terrorism protection, and even home contents cover at higher tiers. Backed by the global strength of Zurich Insurance Group, it appeals to leisure, family, and business travellers looking for trusted, straightforward protection.

That said, Zurich’s medical limits are lower than competitors such as UniTravel or Allianz, and its entry-level baggage and trip disruption benefits are modest. Like most insurers, it excludes pre-existing conditions, and it lacks lifestyle perks often bundled by bank-linked plans. Overall, Zurich is best for travellers who prioritise dependable core protection and useful add-ons, but less ideal for those seeking maximum medical cover or premium lifestyle benefits.

Overseas medical and hospitalisation 

Zurich provides tiered medical coverage across its three plans, starting from S$50,000 on the Basic tier, increasing to S$125,000 on Essential, and reaching S$250,000 on the top Prestige tier. While not as high as some competitors that offer up to S$750,000, these limits remain sufficient for short to mid-length travel itineraries. The tiered structure offers flexibility, letting travellers balance costs against medical protection.

Emergency evacuation and personal accident

Emergency medical evacuation and repatriation due to COVID-19 are fully covered with no set limit across all Zurich plans, ensuring peace of mind for serious medical crises overseas. Personal accident benefits also scale with the plan level, offering S$100,000 for Basic, S$250,000 for Essential, and S$500,000 under Prestige. These features are particularly valuable for travellers heading to higher-risk or remote destinations.

Travel inconvenience

Zurich’s Basic plan covers S$2,500 for trip cancellation and S$200 for both travel and baggage delay. These limits rise significantly in higher tiers — Essential offers S$5,000 for cancellation and S$200 delay, while Prestige doubles cancellation coverage to S$7,500. 

While these may be moderate relative to some other providers, Zurich still offers dependable disruption protection especially for travellers seeking structured coverage.

Adventurous sports and high-risk activities

Zurich provides coverage for a range of common leisure and adventure sports, such as skiing, scuba diving (with a licensed instructor), and hot-air ballooning. However, extreme or professional-level activities, like mountaineering or competitive racing, are excluded. 

This makes Zurich a solid option for leisure travellers who plan to enjoy recreational adventure activities, though thrill-seekers engaging in high-risk sports may need to look at specialist providers for fuller protection.

To make a claim, you will need to follow these steps:

1. Login to My Portal on Zurich’s website.

2. Gather all necessary supporting documentation. You can find out which documents are required under their Claim Checklist.

3. Wait for a Zurich representative to get in touch with you.

Zurich Travel Insurance is a trusted and versatile option, offering three tiers designed to match different budgets and trip types. All plans include key protections, with higher tiers providing added perks like home contents coverage. Backed by Zurich Insurance Group’s global reputation, the plans appeal to leisure travellers, families, and business travellers who value reliable coverage from an established international insurer.

That said, Zurich policies do not cover pre-existing medical conditions and exclude certain high-risk activities, which may be limiting for some travellers. Its medical coverage limits are also more modest compared to providers like UniTravel or Allianz at the top tier. With Zurich, travellers can embark on their journeys confidently, knowing they are backed by comprehensive and adaptable coverage.