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Starr TraveLead travel insurance

Enjoy a greater peace of mind with a wide array of travel benefits.

Protect yourself and your loved ones against the unexpected – be it minor inconveniences or major emergencies – when you’re abroad.

In our Starr TraveLead review, we’ll cover the various benefits and add-ons available in this highly customisable travel insurance.

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Name Product Medical Cover Cancellation Cover Travel Delay With COVID-19 Coverage?
Starr TraveLead Cruise To Nowhere Insurance
Up to $1,000,000
Up to $15,000
Up to $800
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FRVTL35).
Starr TraveLead Travel Insurance - Single Trip
Up to $1,000,000
Up to $15,000
Up to $800
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FRVTL35).
Starr TraveLead Travel Insurance - Annual
Up to $1,000,000
Up to $15,000
Up to $800
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FRVTL35).
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Quick verdict

Good for
  • Unlimited emergency medical evacuation and repatriation benefit on all plans
  • Offers a wide range of add-on covers
  • 24-hour global emergency assistance services
Not so great for
  • No cover option for pre-existing medical conditions
  • Fewer benefits compared to other insurers’ travel policies

What is Starr TraveLead travel insurance?

Starr TraveLead is a general travel policy that offers 3 levels of cover (Bronze, Silver and Gold), each with varying coverage and claim payouts.

Some of its common features include compensation for personal accidents, overseas hospitalisation, trip cancellation/curtailment and baggage loss. With Starr TraveLead’s optional add-ons, you can also extend your cover for adventurous activities such as scuba diving and winter sports.

Starr TraveLead travel insurance does not cover pre-existing medical conditions

A pre-existing condition refers to an injury, illness or medical condition that you’re aware of and/or are receiving treatment for prior to your trip. Unfortunately, pre-existing conditions are excluded from the Starr TraveLead travel insurance policy. This means that any claims related to it will be invalidated.

So if you have a pre-existing medical condition, be sure to check out the travel policies offered by other insurers instead.

Examples of common pre-existing medical conditions

  • Asthma
  • Eczema
  • Cancer
  • Diabetes
  • Epilepsy
  • Heart conditions
  • High blood pressure
  • Gastrointestinal conditions

What are the cover options available for Starr TraveLead travel insurance

Starr TraveLead travel insurance offers 3 levels of cover: Bronze, Silver and Gold.

  • Up to $3,000 in protection against loss or damage to baggage or personal possessions
  • Up to $5,000 in trip cancellation cover
  • Up to $150,000 in personal accident cover – includes accidental death and permanent disability
  • Up to $200,000 in medical cover overseas – includes a daily hospital allowance up to $5,000 per trip
  • Up to $500 in car rental excess cover, protecting you if you damage your hire vehicle
  • A limit of $400 for baggage delays
  • A limit of $500 for travel delays
  • Unlimited emergency medical evacuation
  • Up to $100 in unused entertainment tickets, owing to injury or illness
  • Emergency hotline to connect you to medical care, including evacuation, 24/7
  • Up to $5,000 in protection against loss or damage to baggage or personal possessions
  • Up to $10,000 in trip cancellation cover
  • Up to $300,000 in personal accident cover – includes accidental death and permanent disability
  • Up to $500,000 in medical cover overseas – includes a daily hospital allowance of up to $10,000 per trip
  • Up to $300 in unused entertainment tickets, owing to injury or illness
  • Up to $1,000 in car rental excess cover, protecting you in case of damage to your hire vehicle
  • Benefit limit of $800 for baggage delays (fixed at $100 for every 6 hours)
  • Benefit limit of $600 for travel delays
  • Unlimited emergency medical evacuation
  • Emergency hotline to connect you to medical care, including evacuation, 24/7
  • Up to $7,500 in protection against loss or damage to baggage or personal possessions
  • Up to $15,000 in trip cancellation cover
  • Up to $500,000 in personal accident cover – includes accidental death and permanent disability
  • Up to $1,000,000 in medical cover overseas – includes a daily hospital allowance up to $15,000 per trip
  • Up to $1,200 in car rental excess cover, protecting you if you damage your hire vehicle
  • Unlimited emergency medical evacuation
  • Up to $15,000 protection against the loss of home contents
  • Benefit limit of $500 for personal money
  • Benefit limit of $1,200 for baggage delays
  • Benefit limit of $800 for travel delays
  • Emergency hotline to connect you to medical care, including evacuation, 24/7

How do the features for Starr TraveLead travel insurance compare?

Here’s a side-by-side comparison of benefits for each level of cover:

Benefits summaryBronze planSilver planGold plan
Personal accident benefits
Accidental death and permanent total disability
  • 18 to 70 years old: $150,000
  • > 70 years old: $40,000
  • < 18 years old: $60,000
  • 18 to 70 years old: $300,000
  • > 70 years old: $60,000
  • < 18 years old: $90,000
  • 18 to 70 years old: $500,000
  • > 70 years old: $80,000
  • < 18 years old: $120,000
Compassionate death cash (as a result of serious bodily injury)$2,000$3,000$5,000
Medical and related benefits
Overseas medical expenses
  • 18 to 70 years old: $200,000
  • > 70 years old: $40,000
  • < 18 years old: $60,000
  • 18 to 70 years old: $500,000
  • > 70 years old: $100,000
  • < 18 years old: $150,000
  • 18 to 70 years old: $1,000,000
  • > 70 years old: $200,000
  • < 18 years old: $300,000
Local follow-up medical expenses
  • 18 to 70 years old: $15,000
  • > 70 years old: $1,500
  • < 18 years old: $2,000
  • 18 to 70 years old: $20,000
  • > 70 years old: $2,500
  • < 18 years old: $4,000
  • 18 to 70 years old: $50,000
  • > 70 years old: $5,000
  • < 18 years old: $8,000
Overseas or local TCM expenses$100 per day/visit and $200 per trip$100 per day/visit and $400 per trip$100 per day/visit and $600 per trip
Overseas hospitalisation daily benefit$200 per day and $5,000 per trip$200 per day and $10,000 per trip$200 per day and $15,000 per trip
Emergency medical evacuation and repatriation

Unlimited

UnlimitedUnlimited
Travel inconvenience cover
Trip cancellation
*Sub-limit for COVID-19-related cancellation applies
$5,000

$10,000

$15,000
Trip curtailment
*Sub-limit for COVID-19-related curtailment applies
$5,000

$10,000

$15,000
Travel postponement
*Not applicable for COVID-19-related ailment
$500

    $1,000

    $1,500
    Travel delay$100 per 6 hours
    (max $500)

    $100 per 6 hours
    (max $600)

    $100 per 6 hours
    (max $800)
    Missed travel connection$100 per 6 hours
    (max $200)

    $100 per 6 hours
    (max $300)

    $100 per 6 hours
    (max $400)
    Flight overbooked$100 per 6 hours
    (max $100)

    $100 per 6 hours
    (max $300)

    $100 per 6 hours
    (max $400)
    Flight diversion$100 per 6 hours
    (max $500)

    $100 per 6 hours
    (max $1,000)

    $100 per 6 hours
    (max $1,500)
    Insolvency of travel agency$2,000

    $3,000

    $5,000
    Unused entertainment ticket$100$300$500
    Baggage delay$100 per 6 hours
    (max $400)

    $100 per 6 hours
    (max $800)

    $100 per 6 hours
    (max $1,200)
    Baggage loss/damage$3,000

    $5,000

    $7,500
    Loss of travel documents$2,000
    ($400/day for travel and accommodation expenses)

    $3,000
    ($400/day for travel and accommodation expenses)

    $4,000
    ($400/day for travel and accommodation expenses)
    Personal money
    *Only applies to insured person of age above 10
    $100$300$500
    Personal liability cover
    Personal liability$500,000

    $800,000

    $1,000,000
    Lifestyle cover
    Rental vehicle excess$500$1,000$1,200

    *Information provided in the table is accurate as of 21 April 2022

    Starr TraveLead COVID-19 benefits

    Starr TraveLead travel insurance also extends its cover for coronavirus-related claims on selected benefits:

    Optional add-on coverage

    Starr Insurance also offers several add-on coverages for travellers looking to enhance their travel policy:

    What are the other Starr TraveLead travel insurance options available?

    In addition to its individual cover, Starr Insurance also offers bundled travel policies for families and groups at varying premium rates:

    Family travel cover

    Protect your family (which includes you, your legal spouse and any number of your legal children below 18 years of age) when travelling together. However, do note that individual cover limits for children tend to be lower than for adults.

    Annual travel cover

    Enrolment is available for individuals up to 70 years old and renewable up to 75 years old.

    Premium rates

    The cost of any type of travel insurance policy depends on how much coverage you want, destination and trip duration.

    Although Starr doesn’t readily publish the premium rate table for its TraveLead travel insurance, you can easily get a quotation by keying in your trip details and customising your plan on its website in a few steps.

    Here’s a quick overview of the process:

    What won’t be covered?

    With any type of insurance, there’ll always be a set of standard exclusions, along with restrictions that come with the policy you choose. Make sure to read the full list of exclusions and conditions stated in your policy document to avoid any nasty surprises when making a claim.

    Starr Insurance TraveLead policy won’t typically cover you for:

    • Pre-existing medical conditions
    • Travel to a war zone
    • Claims for terminal illness
    • Mental health disorders
    • Dental expenses
    • Professional sport
    • Claims arising from the influence of alcohol or non-prescription drugs
    • Loss or damaged belongings due to negligence
    • Confiscated items by customs officials
    • Pregnancy-related costs
    • Any claims if you travelled specifically for medical purposes, such as cosmetic surgery
    • Accidents or inconveniences resulting from illegal acts
    • Any kind of false, exaggerated or inaccurate claim

      Making a claim

      Filing a claim on your Starr Insurance TraveLead policy is quick and convenient.

      Simply complete your claim submission through the insurer’s online eclaim service within 30 days after the occurrence of an incident that’s included in the cover. Alternatively, you may also complete your claim submission through email or post.

      Make sure to attach all the relevant documents to a duly filled claim form to avoid any delay in the settlement process.

      Evidence and documentation required

      To make a claim, you’ll be required to submit evidence and all relevant documents related to the incident. These may be:

      • Property loss due to theft. Make a police report within 24 hours at the place of loss. Be sure to request a copy of the report for your claim submission.
      • Property loss/damage while in the custody of a transport provider. Inform the airline/cruise/train/bus operator and request for a Property Loss/Damage Irregularity Report. Take photographs of the damaged items for claim submission and retain the items for inspection (if applicable).
      • Property damage or third-party bodily injury. Note down the particulars of the third party, details of the incident and extent of claim. Do not admit liability, settle or negotiate a settlement without the insurer’s approval.

      About Starr Insurance

      Starr Insurance Companies is one of the fastest-growing insurance organisations in the world with over 100 years of experience in the field. Today, Starr offers a wide range of personal and commercial insurance solutions in 124 countries on 6 continents.

      Starr International Insurance (Singapore) Pte Ltd. was incorporated in 2011.

      Bottom line

      One of the biggest draws for Starr TraveLead travel insurance is that it’s flexible and capable of meeting different needs and budgets. Instead of offering a rigid, pre-set policy with minimal customisable options, Starr TraveLead allows users to add or remove various coverage with ease.

      If you’re looking to participate in scuba diving, snow sports or golfing, you’d also be glad to know that Starr TraveLead offers add-on coverage for these activities. Even if you’re forced to miss a concert due to unforeseen circumstances, compensation for your unused entertainment tickets is also included in all 3 plans.

      However, do note that the sum insured for several benefits (such as personal accident and medical expenses) in Starr TraveLead is comparatively lower than its competitors. So be sure to compare other travel insurance policies available in the market and choose the right amount of cover for your overseas trip.

      Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

      There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

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