Comprehensive Coverage with Tokio Marine Travel Insurance
Updated: 6 Aug 2026
Tokio Marine - Single Trip Comparison
Product | Policy Wording | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
S$1500 | - | - | S$500 | - | - | - | - | - | - | - | - | - | S$500 | - | S$250000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
S$5000 | S$500 per 6 hours | S$3000 | S$2000 | S$500 | - | - | - | - | S$250000 | - | - | - | S$2000 | - | S$500000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
S$10000 | S$1000 per 6 hours | S$5000 | S$2500 | S$1000 | - | - | - | - | S$500000 | - | - | - | S$2500 | S$50000 | S$1000000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Tokio Marine - Annual Trip Comparison
Product | Policy Wording | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
S$1500 | - | - | S$500 | - | - | - | - | - | - | - | - | - | S$500 | - | S$250000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
S$5000 | S$500 per 6 hours | S$3000 | S$2000 | S$500 | - | - | - | - | S$250000 | - | - | - | S$2000 | - | S$500000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
S$10000 | S$1000 per 6 hours | S$5000 | S$2500 | S$1000 | - | - | - | - | S$500000 | - | - | - | S$2500 | S$50000 | S$1000000 | - | - | S$300 | S$500 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Frequently Asked Questions About Tokio Marine’s Travel Insurance Plans
Tokio Marine Travel Insurance is underwritten by Tokio Marine Insurance Singapore Ltd. However, AWP Services Singapore Pte. Ltd. (Allianz Travel) has been appointed by Tokio Marine Insurance Singapore Ltd to administer the policy, provide customer support, and handle certain services on the insurer's behalf. As a result, you may receive communications and assistance from Allianz Travel regarding your Tokio Marine Travel Insurance policy.
Yes, Tokio Marine Travel Insurance provides selected Covid-19 for Singapore residents, including medical expenses and trip cancellations or curtailments caused by the virus. However, it's important to note that cause for trip curtailment due to Covid-19 must result in serious sickness. Trip cancellation due to Covid-19 must result in serious sickness or compulsory quarantine. Coverage may vary depending on the plan and policy terms so it's important to review your policy wording.
To contact Tokio Marine Travel Insurance in Singapore, you can call their customer service hotline at +(65) 6327 2210 during office hours or email them at sg.travelhelp@allianz.com.
Coverage is available based on the geographical area selected at the time of purchase:
ASEAN includes Brunei Darussalam, Malaysia, Cambodia, Indonesia, Laos, Myanmar, Philippines, Thailand, and Vietnam.
Asia Pacific (APAC) includes all ASEAN countries, as well as Australia, Bangladesh, Bhutan, China (excluding Tibet), Fiji, Guam, Hong Kong, India, Japan, South Korea, Sri Lanka, Mongolia, Macau, Maldives, New Zealand, Pakistan, Papua New Guinea, Timor-Leste, Taiwan, and other Pacific nations.
Worldwide (excluding Canada & USA) includes all destinations worldwide (including Tibet), except the United States of America and Canada.
Worldwide (including Canada & USA) includes all destinations worldwide.
Important: This policy does not provide coverage for travel to Afghanistan, Bahrain, Congo, Democratic Republic of the Congo, Cuba, Egypt, Iran, Iraq, Israel, Jordan, Kuwait, Liberia, Nepal, North Korea, Oman, Palestine, Qatar, Russia, Saudi Arabia, Sudan, Syria, United Arab Emirates, Ukraine, Yemen, and any other sanctioned countries.
For the latest information on sanctioned countries, please refer to: https://www.customs.gov.sg
A Family Plan covers up to two adults and their dependent children travelling together under the same policy.
Each adult and dependent child must be named on the Certificate of Insurance to be eligible for coverage.
Please refer to the Policy Wording for the definition of a dependent child and details on how benefits are applied under a Family Plan.
An Annual Plan provides coverage for multiple journeys made during the period of insurance to the geographical area selected at the time of purchase.
Coverage is provided for an unlimited number of trips during the policy period, subject to a maximum duration of 90 consecutive days per journey.
Please refer to the Policy Wording for the full terms, conditions, limits, and exclusions applicable to the Annual Plan.
Your policy may be automatically extended if your return travel is delayed due to a covered event. Please note that coverage cannot be extended for pre-existing medical conditions, any new illnesses, injuries or medical symptoms that arise during your trip, or for any event that has occurred during your original coverage period and may give rise to a claim.
No, you do not need to submit your claim while you are still overseas. You can submit your claim after you return to Singapore. However, it is recommended to notify Tokio Marine as soon as possible about any incidents and to keep all relevant documentation and receipts to support your claim.
To submit a claim, please visit: https://apac.claims.booking.allianz-assistance.com/login-path
For claim enquiries, please contact:
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Phone: +65 6327 2215
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Email: sg.travelhelp@allianz.com
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The supporting documents required for a claim with Tokio Marine travel insurance may include:
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Medical reports and bills
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Police reports (in case of theft or loss)
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Travel documents such as flight tickets and itineraries
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Receipts for expenses incurred due to trip delays or cancellations
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Any other documents that can substantiate your claim.
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No, you do not need to be a Singaporean citizen or permanent resident to purchase Tokio Marine travel insurance in Singapore. However, to be eligible for coverage, you must be ordinarily resident in Singapore, purchase the policy in Singapore before your trip begins, and intend to return to Singapore after your trip. The departure date shown on your policy must also match the departure date stated in your travel itinerary.
If your trip is cancelled, interrupted, or delayed due to one or more of the covered reasons listed under the policy, Tokio Marine travel insurance may provide coverage for prepaid and non-refundable travel expenses. This includes reimbursement for flight cancellations, hotel bookings, and other travel-related expenses, subject to the applicable terms, conditions, limits, and exclusions. Trip cancellation cover for ‘unforeseen circumstances’ is not a covered reason under the policy. Please refer to your policy wording for full details of the coverage available for trip cancellation, interruption, and travel delay.
Yes, Tokio Marine Travel Insurance has age restrictions for coverage. Typically, the maximum age limit is 79 years old for certain plans. Check the specific policy documents or contact Tokio Marinefor detailed information on age limits and eligibility requirements.
No, you must purchase your travel insurance plan before departing Singapore to be eligible for coverage. Tokio Marine travel insurance must be bought while you are still in Singapore.
Tokio Marine Travel Insurance does not cover pre-existing medical conditions. It's important to review the policy documents carefully to understand the exclusions and limitations related to pre-existing conditions.
Yes, Tokio Marine Travel Smart provides limited coverage for certain natural disaster-related events. Depending on the circumstances, benefits may include eligible trip cancellation, trip disruption or travel delay expenses where a covered natural disaster affects your travel plans. Please refer to the policy wording for full terms, conditions and exclusions.
No. Losses arising directly or indirectly from war, acts of war, armed conflict, or military operations are not covered under the policy. Certain assistance services may also be limited or unavailable in affected areas. Please refer to the policy wording for the full terms, conditions, and exclusions.
Buy the Best Tokio Marine Travel Insurance Online
When considering travel insurance options, many travellers ask, "Is Tokio Marine travel insurance good?" The answer lies in the comprehensive coverage and excellent customer service that Tokio Marine offers.
Tokio Marine is a trusted name in the insurance industry and one of the world's most financially secure insurance groups. They have been providing travel insurance to Singapore residents for many years. Whether you're travelling domestically or internationally, Tokio Marine offers comprehensive coverage that can protect you against unexpected incidents during your trip.
With a range of plans to choose from and 24/7 emergency assistance, Tokio Marine travel insurance provides peace of mind for travellers who want to enjoy their trip without worry.
Types of Key Coverages Provided By Tokio Marine Travel Insurance
Accidental Death & Disablement
Accidental death and disablement coverage is a key feature of Tokio Marine travel insurance that provides financial assistance in case of accidental death or permanent disability during the trip.
This coverage helps replace the loss of income but can also be used for other medical and rehabilitation costs. With Tokio Marine travel insurance, you can choose a plan with sufficient coverage for your needs.
Unlimited Emergency Medical Evacuation & Repatriation
In the event of a medical emergency while travelling, FWD Travel Insurance provides unlimited coverage for emergency medical evacuation and repatriation. This includes emergency transportation to a medical facility and the cost of returning your remains to your home country in the event of your passing.
Medical Coverage
Medical coverage is a crucial feature of Tokio Marine travel insurance, providing financial protection for unexpected medical expenses during your trip. This coverage includes medical treatment, hospitalisation, and emergency medical evacuation. It's important to choose a plan that provides sufficient coverage and review the policy documents carefully. Choose Tokio Marine travel insurance for peace of mind and quality medical care.
Trip Cancellations & Delays
Tokio Marine travel insurance provides trip cancellation and flight delay coverage. This coverage can reimburse prepaid and non-refundable travel expenses and provide financial assistance for unexpected delays. Choose a plan with sufficient coverage for peace of mind during your trip.
Baggage Loss or Damage
Tokio Marine travel insurance includes baggage loss or damage coverage to protect your belongings during your trip. This coverage can provide reimbursement for lost or damaged luggage and personal effects. Choose a plan with sufficient coverage to protect you against unexpected losses or damages.
Emergency Assistance and Evacuation
Tokio Marine travel insurance offers emergency assistance and evacuation coverage for unexpected emergencies during your trip. This coverage includes 24-hour assistance services for medical and travel-related emergencies, giving you peace of mind knowing that there's someone to reach out to no matter what time zone you are in. Enjoy your trip without worries with Tokio Marine travel insurance.
Trip Postponement
Tokio Marine travel insurance provides coverage for trip postponement expenses, safeguarding against delays. This benefit covers the additional costs incurred when you need to postpone your trip due to unexpected events. It ensures that you are reimbursed for extra expenses such as rebooking fees and additional accommodation costs, helping you manage the financial impact of delaying your travel plans. Trust Tokio Marine travel insurance for reliable coverage and peace of mind.
Repatriation Expenses (Transporting of Mortal Remains)
Tokio Marine travel insurance provides coverage for repatriation expenses to transport mortal remains back to Singapore. This coverage ensures that in the unfortunate event of a death, the costs associated with transporting the deceased back home are covered, relieving the family of financial and logistical burdens during a difficult time. Depend on Tokio Marine travel insurance for compassionate and thorough support.
Disruption/Withdrawal of Hotel Services
Tokio Marine travel insurance provides reimbursement for disruptions or withdrawal of hotel services. This coverage compensates you for the inconvenience and additional costs incurred if your hotel services are disrupted or withdrawn, ensuring that you can make alternative arrangements without financial stress. Choose Tokio Marine travel insurance for reliable support and peace of mind.
Bonus Coverage
Tokio Marine travel insurance provides bonus coverage, including waiver of rental vehicle excess, quarantine benefits, terrorism coverage, and fraudulent use of lost credit card protection.
Waiver of Rental Vehicle Excess
The waiver of rental vehicle excess coverage is an important bonus feature of Tokio Marine travel insurance that can provide financial protection for rental car accidents or damages. This coverage can waive the excess or deductible that you may be required to pay in the event of accidents involving your rental car. Review the policy documents carefully to understand any limitations or exclusions. Choose a plan with sufficient coverage to protect you against unexpected expenses.
Quarantine Benefit
The quarantine benefit coverage provided by Tokio Marine travel insurance provides compensation should the insured person be placed under quarantine due to infectious diseases by the government or relevant health authority. Choose a plan with sufficient coverage to protect you against unexpected losses or expenses related to quarantine.
Terrorism Coverage
Tokio Marine travel insurance's terrorism coverage can provide financial protection for unexpected losses or damages resulting from acts of terrorism during your trip, including trip cancellation or interruption expenses, medical expenses, and emergency evacuation costs.
Credit Card Fraud
Tokio Marine travel insurance's credit card fraud coverage can help reimburse you for any financial loss, up to a certain limit, due to fraudulent use of your credit card following its loss or theft during your trip.
Financial loss must be reported to the bank within 6 hours and card loss must be officiated with written proof by the bank. Choose a plan with sufficient coverage to protect you against credit card fraud.
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How to Make A Claim with Tokio Marine Travel Insurance?
Follow these simple steps to expedite filing of claims with Tokio Marine Travel insurance.
Step 1: Contact Tokio Marine Claims Hotline
The first step in making a claim is to notify Tokio Marine Insurance Singapore (TMIS) of the loss or damage within 30 days by telephone or in writing. You can contact Tokio Marine’s claims hotline at 6221-6111 anytime and from anywhere in the world.
Step 2: Provide your policy details
When you call the claims hotline, you will be asked to provide your policy number and other relevant information, such as your name, contact details, and the nature of your claim. Quote your Certificate Number and provide details such as the date of loss, nature of loss, and the section of the policy you are claiming against. Make sure you have your policy documents with you when you call.
Step 3: Submit supporting documents
After you have provided your policy details, the claims officer will guide you through the claim process and inform you of the documents you need to submit. The following documents are generally required to process your claim. Additional supporting documents may be requested as needed.
A. Basic documents required:
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Duly completed travel claim form
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Copy of Insurance Certificate
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Original boarding pass, air tickets, or travel itinerary
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Duly completed E-Payment form
B. Other supporting documents (depending on the nature of the claim):
Personal Accident - Accidental Death & Permanent Disablement: Medical reports, death certificate, or proof of permanent disablement.
Medical Expenses: Original medical bills and receipts, doctor's report.
Flight Misconnection/Overbooked: Written confirmation from the airline of the misconnection or overbooking.
Travel Curtailment/Disruption/Missed Departure/Travel Cancellation/Postponement: Proof of reason for curtailment or disruption, such as a medical report or death certificate.
Travel Delay/Pet Care: Written confirmation from the airline detailing the delay.
Luggage Delay/Loss or Damage to Luggage, Personal Effects, Money & Travel Documents/Home Care/Fraudulent Use of Credit Card: Property Irregularity Report from the airline, police report, and proof of ownership or value.
Trauma Care: Medical report or other proof of trauma.
Personal Liability: Any legal documents, police report.
Loss of Travel Deposits/Travel Package Payment: Proof of payment, booking confirmation.
Additional Cost of Rental Car Return: Rental agreement, proof of additional costs incurred.
Following these steps and providing the required documents will help ensure your claim is processed smoothly and efficiently.
Step 4: Contact travel assistance
For 24-hour worldwide assistance, including medical and travel assistance, contact Tokio Marine Travel Assistance at:
Primary Number: +603-7628 3877
Alternative Number: +603-7841 5770 (if the primary number is unavailable)
Step 5: Notify the airline
If your luggage is delayed or lost, report the incident to the carrier immediately.
Step 6: Submit your claim
Once you have gathered all the necessary documents, mail the completed claim form and necessary documents to:
Tokio Marine Insurance Singapore Ltd.
20 McCallum Street, #09-01
Tokio Marine Centre
Singapore 069046
Step 7: Wait for the claim to be processed
After you have submitted your claim, Tokio Marine will process it and inform you of the outcome. The processing time can vary depending on the complexity of the claim and the amount involved.
Tokio Marine Travel Insurance Refund & Cancellation
Tokio Marine provides options for refund and cancellation of travel insurance policies. Refunds for cancellations are subject to the terms and conditions of your policy. Generally, if you cancel your policy before the start date of your trip, you may be eligible for a full or partial refund. If your trip has already started, refunds are typically not available.
To cancel your Tokio Marine travel insurance policy, you need to provide a written notice to Tokio Marine. This can usually be done through an email or a letter. Make sure to include your policy number and personal details in the cancellation request.
Once you submit your cancellation request, Tokio Marine will process it and inform you of the outcome. The processing time can vary, but you should expect to receive confirmation within a few business days. Learn more about how you can cancel your travel insurance policy without getting penalised.
Other Travel Insurance Providers
Unsure if Tokio Marine Travel Insurance is the best fit for you? Explore other travel insurance providers in Singapore:
AIG Travel Insurance Singapore
Allianz Travel Insurance Singapore
Allied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Seedly Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
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