Compare and Find the Best HL Assurance Travel Insurance in Singapore 2023

Review of HL Assurance Travel Insurance

Hong Leong Assurance Travel Protect360 is a comprehensive travel insurance plan designed specifically for the Singapore market. With its broad coverage, affordable pricing, and excellent customer service, Hong Leong Assurance Travel Protect360 is a wonderful option for travellers who want to ensure they are protected in case of unforeseen events while travelling.

It also offers additional savings the next time you buy a travel insurance through their No Claims Discount feature. Whether you're planning a quick weekend getaway or an extended trip abroad, Hong Leong Travel Insurance has a plan that will meet your needs and give you peace of mind on your travels.

Types of Coverage Provided by HL Assurance Travel Insurance

With a variety of coverage to choose from, Hong Leong Assurance Travel Protect360 ensures that travellers are protected no matter where they go. These coverage options include trip cancellation and interruption, medical and dental emergencies, emergency medical transportation, baggage loss and delay, travel delays and missed connections, and accidental death and disablement.

Hong Leong Assurance Travel Protect360 offers 24/7 customer service and assistance, providing travellers peace of mind knowing they are protected from unexpected events.

Medical and Other Expenses

Hong Leong Travel Insurance provides comprehensive coverage for medical expenses. This includes coverage for hospitalisation, outpatient treatment, and prescription medication. Hong Leong Travel Insurance also covers emergency medical evacuation, which ensures that you can be transported to the nearest medical facility in the event of a serious medical emergency. With Hong Leong Travel Insurance, you can enjoy your travels with the peace of mind that comes with knowing that are protected from unexpected medical expenses.

Travel Inconvenience

Hong Leong Assurance Travel Protect360 provides financial protection to travellers from circumstances that can disrupt their travels. A key benefit of Hong Leong Assurance Travel Protect360 includes compensation for trip cancellation or interruption, travel delays, and missed connections.

If your baggage is lost or delayed, your policy will compensate for the loss or the purchase of essential items. Additionally, Hong Leong Assurance Travel Protect360 provides coverage for flight overbooking, which ensures that you will be compensated if you are denied boarding due to an overbooked flight.

With Hong Leong Assurance Travel Protect360, travellers are protected despite unexpected travel inconveniences.

Liability

Hong Leong Travel Insurance offers comprehensive coverage for personal liabilities, protecting travellers from financial losses if they are held liable for damages or injuries to others during their travels. This coverage includes personal liability coverage in case of injury or damage to others caused by the insured traveler and accidental damage to property. Hong Leong Travel Insurance also provides coverage for legal expenses incurred due to such incidents.

Lifestyle

Travellers with Hong Leong Assurance Travel Protect360 policies can achieve peace of mind despite unexpected events affecting their lifestyle and enjoyment of their trip.

Lifestyle benefits includes coverage for loss of home contents due to burglary, golfing "Hole in One", credit card protection and rental car excess.

Best HL Assurance Travel Insurance Plans Comparison

HL Assurance offers three tiers for both single trip and annual multi-trip insurance - Basic, Enhanced, and Superior. For more details, please read the full list of benefits and exclusions in the policy wording.

Covid-19 Coverage

In response to the ongoing Covid-19 pandemic, Hong Leong Assurance Travel Protect360 now offers coverage for Covid-19-related events for travellers.

Covid-19 Travel Concierge

Hong Leong Assurance Travel Protect360 offers a Covid-19 Concierge service to help travellers navigate the complexities of travelling during the pandemic. The service provides travellers with access to a dedicated team of experts who can provide up-to-date information on travel restrictions, entry requirements, and Covid-19 testing protocols at their destination. In addition, the service offers assistance with arranging Covid-19 testing, medical consultations, and hospital admissions if necessary.

With the Covid-19 Concierge service, Hong Leong Assurance Travel Protect360 aims to provide peace of mind to travellers during these uncertain times, allowing them to focus on enjoying their trip."

Extensive Covid-19 Coverage

Hong Leong CovidSafe Travel Protect360 Travel Insurance offers extensive Covid-19 coverage for travellers. The policy covers Covid-19 related medical expenses and hospitalisation costs, including emergency medical evacuation and repatriation.

The insurance also provides coverage for Covid-19 related travel inconveniences such as trip cancellations or interruptions, travel restrictions or quarantine requirements, travel postponement, or baggage loss.

Hong Leong CovidSafe Travel Protect360 Travel Insurance is designed to provide travellers with comprehensive protection against the unexpected consequences of the pandemic, ensuring that they can travel with confidence and peace of mind.

Covid-19 Quarantine Allowance

If you are required to undergo mandatory quarantine due to Covid-19, Hong Leong CovidSafe Travel Protect360 Travel Insurance offers a Covid-19 Quarantine Allowance that can help you cover expenses incurred during quarantine. This feature ensures that travellers can still manage their expenses while complying with the necessary quarantine requirements.

With Hong Leong CovidSafe Travel Protect360 Travel Insurance, travellers can have peace of mind knowing they are financially protected in case of any unexpected quarantine requirements.

Hong Leong Travel Insurance No Claims Discount

The No Claims Discount (NCD) feature rewards travellers who have not made any claims during their policy period. The NCD is a percentage-based discount on the insurance premium, and travellers can get up to 10% discount. This feature encourages responsible travel and helps reduce insurance costs for travellers with a good claims history.

With Hong Leong Assurance Travel Protect360, travellers can enjoy additional savings on their premiums while having peace of mind with comprehensive coverage.

Annual Vs Single Trip

Hong Leong Assurance offers two travel insurance options: Annual Unlimited and Single Trip Insurance. The former is for frequent travellers, while the latter covers a single trip. Both provide comprehensive coverage but have distinct differences to consider.

Single Trip

Hong Leong Assurance's Single Trip policy provides comprehensive travel coverage for a one-time trip. It includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. The policy offers flexibility in terms of the duration of the trip, with coverage available for up to 182 days.

Annual Unlimited

Hong Leong Assurance's Annual Unlimited policy is designed for frequent travellers who take multiple trips throughout the year. It provides coverage for unlimited trips, each with a maximum duration of 90 days.

The policy includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. With the convenience of having one policy that covers all their trips, frequent travellers can enjoy their journeys with peace of mind.

Making a Claim With Hong Leong Travel Insurance

Notify Hong Leong Travel Insurance

Inform Hong Leong Assurance about your claim within 30 days of the event by submitting your claim through their website or by contacting their customer service hotline.

Prepare the Necessary Documents

Gather all necessary supporting documents such as travel itinerary, medical reports, receipts, police report (if applicable), and any other relevant documentation.

Submit your Claim and Supporting Documents

Submit your claim and supporting documents online. If you need assistance, reach out to their customer service team for guidance.

Wait for Your Claim To Be Processed and Reviewed

Hong Leong Assurance will review your claim and supporting documents and may contact you if further information is required. If your claim is approved, Hong Leong Travel Insurance will provide compensation or reimbursement according to the terms of your policy.

FAQ

What are the notable exclusions for Hong Leong Travel Insurance's CovidSafe Travel Protect360?

The notable exclusions for Hong Leong Travel Insurance's CovidSafe Travel Protect360 include pre-existing medical conditions, travel to destinations with a travel advisory issued by the Ministry of Foreign Affairs, and travel against the advice of a medical professional. The policy also does not cover claims related to pandemics or epidemics, except for Covid-19.

Can you file a claim for medical treatment after you've arrived back in Singapore?

Yes, you can file a claim for medical treatment after returning to Singapore. You'll need to notify Hong Leong Insurance of your claim within 30 days of the occurrence and submit all necessary supporting documents to support your claim.

Can you get coverage for pre-existing medical conditions with Hong Leong Travel Insurance?

Hong Leong Assurance does not provide coverage for pre-existing medical conditions unless declared and accepted by the insurer before the start of the trip.

Does Hong Leong Travel Insurance provide coverage for pregnancy-related issues?

No, Hong Leong Assurance doesn't provide coverage for pregnancy-related issues.

How can I contact Hong Leong Assurance for travel insurance-related queries?

You can contact Hong Leong Assurance at +65 6702 0202 for any insurance-related queries.