Why choose DirectAsia travel insurance
DirectAsia travel insurance offers 3 tiers of coverage for single-trip plans and annual plans. Some optional add-ons, such as Sports Equipment and Extreme Sports & Activities coverage, are only available for annual plans. Meanwhile, COVID-19 coverage, which is also an optional benefit, is only available for single-trip plans. In the context of this article, we are generally referring to single-trip plans for one individual under the age of 70.
DirectAsia travel insurance coverage details
Overseas medical expenses
- Up to S$500,000 per adult or child
- Up to S$250,000 per senior
- DirectAsia travel insurance defines a senior as a person aged 71 years old or above
- A child can be a biological, step or legally adopted individual who is unemployed and up to 18 years old
- If unmarried and pursuing full-time tertiary education, the child can be aged up to 24 years
Emergency medical evacuation and repatriation
- Up to S$1,500,000 per adult or child
- Up to S$250,000 per adult aged 71 years old and above
Personal liability
- Up to S$1,000,000 protection against any claim for compensation following an incident that results in the death or injury of a third party
- Available across all tiers starting from S$200,000
Optional add-on coverage
Local medical expenses
- Up to S$25,000 for follow-up medical treatment back in Singapore, including up to S$750 for Traditional Chinese Medicine treatments
- This is among the highest available coverage for local medical expenses, as other insurers typically offer between S$1,500 and S$10,000 in coverage
Comparable coverage for children
Unlike other insurers, coverage for adults and children are virtually identical under DirectAsia's travel plans.
- Up to S$500,000 for Overseas Medical Expenses for adults and children
- Up to S$25,000 for local medical expenses for adults and children
- Up to S$1,500,000 for Emergency Medical Evacuation for adults and children
- Up to S$500,000 for Personal Accident coverage for adults and children
Maid coverage
You can utilise this optional protection to protect your domestic helper overseas, if you are purchasing an annual plan. She will share the same benefits granted to any insured adult for the duration of your trip.
- Up to S$1,000,000 in Overseas Medical Expenses
- Up to S$50,000 in local medical expenses
- Up to S$1,000,000 in Emergency Medical Evacuation
- Up to S$100 for Emergency Phone Charges
- Trip Cancellation, Curtailment, Trip Postponement, Missed Connection, Reluctance to Travel Following an Act of Terrorism and Travel Delay protections also apply
Pros and cons of Direct Asia Travel Insurance
| Pros | Cons |
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DirectAsia travel insurance compared to other insurance providers
| Provider | Best for | Overseas medical expenses | Local medical expenses | Trip cancellation | Loss of baggage |
| DirectAsia | Equal coverage for children | S$500,000 | S$25,000 | S$15,000 | S$5,000 |
| Allianz | COVID-19 coverage | S$1,000,000 | S$2,500 | S$10,000 | S$5,000 |
| FWD | Trip cancellation | S$1,000,000 | S$30,000 | S$15,000 | S$7,500 |
| MSIG | Local medical expenses | S$1,000,000 | S$75,000 | S$7,500 | S$15,000 |
| TIQ | Pre-existing conditions | S$1,000,000 | S$10,000 | S$10,000 | S$3,000 |
*All calculations are based on a single trip to Japan, 5D6N for 1 adult.
DirectAsia’s greatest strength lies in its range of optional add-ons and of course, its equal coverage for adults and children. Its entry-level Voyager 150 and mid-level Voyager 250 plans start from S$43.45 and S$46.23 respectively, making it easier to secure a budget-friendly plan for carefree travels.
How to claim
- Prepare all relevant travel documents.
- For claims relating to medical expenses, this will include proof of travel, medical invoices, medical reports and any other relevant medical document.
- All claims are to be submitted online on DirectAsia's claims portal.
Frequently asked questions about DirectAsia travel insurance
Can I purchase travel insurance after I have already left for my trip?
No, you must purchase travel insurance before your date of departure. If purchased after your trip, you may not be able to claim for events that occur before your trip. Your insurer may also elect to deny coverage for your entire trip. Hence, it’s best to purchase your travel policy as early as possible, or once you’ve confirmed your trip.
What is DirectAsia's cancellation policy?
For annual plans, do inform DirectAsia at least 7 days before your trip. The refunded premium will be pro-rated subject to a S$10 cancellation fee. For single-trip plans, you can cancel the policy anytime before it is slated to commence. You will also incur a S$10 cancellation fee.
What is DirectAsia's refund policy?
You will receive your refund via PayNow or bank transfer within 14 days of cancellation. Refunds are calculated based on the following formula:
Premium Refund = [Premium x (Unexpired Period of Insurance (Days) / Original Period of Insurance (Days))] - Applicable Cancellation Fee (S$10).
Can I extend my DirectAsia policy while I am already overseas?
We offer automatic policy extensions regardless of annual or single-trip cover, in cases involving delayed flights or late arrival due to injuries sustained overseas
Which countries are excluded from DirectAsia's travel insurance coverage?
DirectAsia covers travel to all countries except Afghanistan, Democratic Republic of Congo, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Somalia and Yemen.
What does "Cancel For Any Reason" mean and what does it cover?
Cancel For Any Reason coverage extends your Trip Cancellation protection to include other reasons typically not covered. Instead of only being able to male a claim in the event of a serious illness or death in the family, you'll also be eligible for reimbursement if the concert you're travelling to attend is cancelled.
Related Pages
In addition to DirectAsia travel insurance, here are some other travel insurance providers available in Singapore:
- AIG Travel Insurance Singapore
- Allianz Travel Insurance Singapore
- Allied World Travel Insurance Singapore
- HL Assurance Travel Insurance Singapore
- MSIG Travel Insurance Singapore
- Singlife Travel Insurance Singapore
- Sompo Travel Insurance Singapore
- Starr Travel Insurance Singapore
- TIQ Travel Insurance Singapore
- Tokio Marine Travel Insurance Singapore
