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There are more and more reasons to get yourself adequately covered if you’re heading overseas. Learn more on how to compare and buy travel insurance in Singapore and the policies offering COVID-19 benefits and plans that can provide financial protection if any mishaps or interruptions were to happen on your trip. Many of the best travel insurance plans offer cover for a range of eventualities, such as losing your possessions, your flights and accommodation being cancelled, or if you become ill or injured while you’re abroad.
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Travel insurance acts as a safety net. It protects you from a range of travel risks that can happen both at home and abroad. Buy your policy as soon as you’ve booked any part of your trip. By doing so, you’ll be able to take advantage of cancellation cover in the policy should anything go wrong.
Travel insurance policies vary a lot, but broadly speaking there are two main types of cover: single trip and annual (often called multi-trip) insurance.
Single trip vs annual travel insurance – which is right for you?
Most multi-trip and single policies cover you for a period between 90 and 180 days. So, check the details if you’re planning a longer break away. If you’re going away for longer than this, or are visiting multiple countries, you may need a long-stay or multi-destination policy.
What you’re doing also affects the level of cover that you need. If you’re going for work purposes, you’ll need a business travel policy. If you’re taking part in any high-risk activity, like sky diving or rock climbing, then you’ll probably need to seek out additional cover.
Family and group policies are also available to insure individuals who are travelling together as a group on the same journey. Check with your insurer for their available plans.
When comparing policies, be sure to review these important features and find one that’s best suited to your needs:
Medical cover provides for emergency evacuation and treatment overseas if you suffer a serious illness or injury.
What am I actually covered for?
When won’t I be covered?
This provides cover for cancellation fees as well as for prepaid deposits you made for travel and accommodation that you can’t recover if your journey is cancelled or shortened.
What am I actually covered for?
Trip cancellation insurance covers transport tickets, pre-booked accommodation and travel agent fees that are non-recoverable. You are only covered if the reason for the cancellation is outside of your control. You’ll have cover for the following reasons:
When won’t I be covered?
This provides cover for luggage and personal items that are lost, stolen or damaged on your trip. You can purchase additional cover for specific items.
What am I actually covered for?
When won’t I be covered?
This cover provides for delays and cancellations that are beyond your control, such as missing your flight home after your train to the airport was cancelled because of a storm. Travel delay cover can help you manage some of the additional expenses that may arise as a result, such as accommodation or other transport. You are only covered for the price of the original fare.
What am I actually covered for?
When won’t I be covered?
The following list shows cover types that are typically offered by a comprehensive travel insurance policy. When comparing policies it’s really important that you are aware of exactly what a policy will cover you for, and what it won’t.
While not all insurers offer COVID-19 benefits, most of them now extend coverage (in varying extent) for inconveniences caused by the pandemic, such as:
However, do note that claims will only be valid if you’ve taken the necessary precautions against COVID-19 (e.g. wearing a mask) and adhere to any travel advisory/regulations put forth by both the Singapore Government and the local authority at your trip destination.
If you’re looking for cover that isn’t included in a policy, you can ask a provider if they’ll offer it as an add-on. If they won’t, you’ll need to shop around for specialist policy to get the cover you need.
There are several factors that affect the cost of your travel insurance, including:
Even the most expensive and comprehensive travel insurance policy will come with exclusions, which are conditions where the policy will not pay out.
Your travel insurance policy will typically not cover your claim in the event of:
Make sure you read and understand the total list of exclusions that an insurer has before signing up for a policy with them.
Travel insurance is compulsory for some countries such as Cuba, Qatar and Belarus among others. But even if it’s not compulsory for other countries, you should think of travel insurance as a small price to pay compared to the thousands you could lose if something unexpected happens.
There is no flat fee when it comes to travel insurance. The cost depends on a range of factors including:
Prices can also vary based on which travel insurance company you choose. That’s why it’s so important to compare travel insurance from a range of providers.
An excess is an out-of-pocket expense you’ll have to pay if you need to make a claim on your travel insurance policy. Depending on how risk-averse you are, you can opt for a higher excess, which will mean lower premiums (policy cost), but this might mean that smaller claims are not worth it.
Most insurers will set their own age limit for seniors, which can vary from 65 onwards. Those that do cover all ages often have limits on trip durations and exclusions on pre-existing conditions.
Travel insurance can cover cancellations and injuries that arise from natural disasters depending on your policy type and when it was issued. If you buy your policy after the natural disaster becomes a “known event”, you won’t be covered.
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