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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.
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.
Here are several things to note if you want to purchase Starr TraveLead:
Examples of common pre-existing medical conditions
Starr TraveLead travel insurance offers 3 levels of cover: Bronze, Silver and Gold.
Here’s a side-by-side comparison of benefits for each level of cover:
| Benefits summary | Bronze plan | Silver plan | Gold plan | |||
|---|---|---|---|---|---|---|
| Personal accident benefits | ||||||
| Accidental death and permanent total disability |
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|
| |||
| Compassionate death cash (as a result of serious bodily injury) | $2,000 | $3,000 | $5,000 | |||
| Medical and related benefits | ||||||
| Overseas medical expenses |
|
|
| |||
| Local follow-up medical expenses |
|
|
| |||
| 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 | Unlimited | Unlimited | |||
| 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 | $100 per 6 hours (max $800) | |||
| Missed travel connection | $100 per 6 hours (max $200) | $100 per 6 hours | $100 per 6 hours (max $400) | |||
| Flight overbooked | $100 per 6 hours (max $100) | $100 per 6 hours | $100 per 6 hours (max $400) | |||
| Flight diversion | $100 per 6 hours (max $500) | $100 per 6 hours | $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 | $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 | $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 16 January 2023
Starr Insurance also offers several add-on coverages for travellers looking to enhance their travel policy:
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.
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:
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:
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.
To make a claim, you’ll be required to submit evidence and all relevant documents related to the incident. These may be:
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.
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.
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