Comprehensive Coverage with HL Assurance Travel Insurance

HL Assurance Travel Insurance Policy Coverage and Benefits

With a variety of coverage to choose from, Hong Leong Assurance Travel Protect360 ensures that travelers are protected no matter where they go. These insurance 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.

Personal Accident

Secure comprehensive coverage for personal accidents, providing vital financial support in the event of accidental injuries or death while travelling. This essential benefit acts as a safety net, offering compensation for serious injuries that could occur during your trip. Coverage includes but is not limited to: accidental death, permanent disability, repatriation costs and funeral expenses.

Medical Expenses for Incidents Incurred Overseas and in Singapore

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 you 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 insurance 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.

Personal 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 traveller 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 insurance policies can achieve peace of mind despite unexpected events affecting their lifestyle and enjoyment of their trip. Lifestyle benefits include coverage for loss of home contents due to burglary, golfing "Hole in One", credit card protection and rental car excess.

COVID-19 Coverage

Navigate the evolving landscape of global travel in the post-pandemic era with our tailored COVID-19 coverage. The Hong Leong Assurance Travel Protect360 insurance policy adapts to the ongoing changes and challenges associated with COVID-19, ensuring you remain protected and supported during your travels. Hong Leong Assurance offers coverage for COVID-19-related events for travelers which offers financial protection against the medical costs associated with testing positive for COVID-19 during your trip. 

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 (Enhanced and Superior tiers only) offers extensive COVID-19 insurance 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.

Things You Should Know About Travel NCD

1. Hong Leong Assurance is the only insurance provider in Singapore offering No Claim Discounts (NCD) on insurance policies, including HL Assurance Travel Insurance.
2. NCD discounts stack to up to 10% off the next policy you purchase. After one claim-free single trip, you will receive a 5% NCD promo code for your next insurance purchase. If that subsequent trip is ALSO claim-free, you will receive a 10% NCD discount on your next trip. All subsequent consecutive no-claim trips will then entitle you to a 10% NCD promo code, helping you optimise your travel budget even further.
3. Both single trip and annual travel insurance policies under Hong Leong Assurance Travel Protect360 are eligible for NCD discounts.

HL Assurance Travel Insurance Policy Packages

HL Assurance offers three distinct travel insurance packages – Basic, Enhanced, and Superior – each designed to meet different levels of coverage needs and budget considerations. From the Basic Plan's focus on essential concerns to the Superior Plan's extensive protections, travellers can select the policy that best fits their travel style and requirements.

HL Assurance Travel Insurance Basic Plan

The HL Assurance Travel Insurance Basic Plan is ideal for those seeking essential coverage at an unbeatable price, emphasising protection against trip and baggage delays, and baggage loss. As these are the most common disruptions for international travel, this basic policy is still suitable for most run-of-the-mill trips and shorter excursions overseas. Plus, its single-trip version comes in at a more affordable price compared to other basic single-trips plans on the market.

HL Assurance Travel Insurance Enhanced Plan 

One step up from Basic is the HL Assurance Travel Insurance Enhanced Plan. This policy offers a middle ground with better coverage, particularly for medical evacuation and baggage loss and damage, making it a potential option for thrillseekers and those who need to handle costly luggage on their travels. If you’re a traveller looking for a bit more security without a hefty price tag, this might be the travel insurance plan to consider.

HL Assurance Travel Insurance Superior Plan 

For the ultimate in Hong Leong’s travel insurance coverage, the HL Assurance Travel Insurance Superior Plan provides top-tier protection across all fronts, making it the best choice for those leaving nothing to chance. While the aspects covered are almost identical to the HL Assurance Travel Insurance Enhanced Plan, eligible coverage amounts are higher offering greater peace of mind. Plus, its price tag is competitive for 2-week trips to ASEAN and across Asia-Pacific as well as annual global travel insurance.