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China Taiping Travel Insurance Review

Choose from annual or single trip plans and get 24/7 assistance with China Taiping Insurance's Travel Safe.

China Taiping Insurance’s travel coverage can help ease your vacation stress by covering you for unforeseen events such as illness, injury, trip cancellation and baggage delay. It offers three levels of cover to suit various needs.

More about China Taiping Insurance

Incorporated and headquartered in Hong Kong, China Taiping Insurance is a Chinese insurance conglomerate ranked in the “Global Fortune 500 Companies” in 2018. China Taiping Insurance’s focus is on providing comprehensive, effective and affordable travel policies with extended benefits, giving you the security and peace of mind you need to enjoy your holiday.

Check out China Taiping Insurance options to see if they’ve got a policy that works for you.

What policies can I choose from and how do they compare?

Known as Travel Safe, China Taiping Insurance’s travel coverage offers three levels of travel cover, First, Business and Economy.

We’ve listed the general overviews of the main inclusions that come with each level of coverage, such as how much medical coverage you are entitled to, what happens if you lose your travel documents or if your luggage is delayed. For more detailed inclusions and exclusions for each benefit, make sure to check the insurer’s policy wording.

Cover FeatureFirstBusinessEconomy
Emergency medical, hospital, dental expenses
  • $600,000
  • $400,000
  • $250,000
Accidental death and permanent disablement
  • $500,000
  • $250,000
  • $150,000
Trip cancellation, curtailment and interruption
  • $15,000
  • $10,000
  • $5,000
Trip postponement
  • $2,500
  • $1,000
  • $500
Personal liability
  • $1,000,000
  • $1,000,000
  • $500,000
Rental vehicle excess
  • $1,500
  • $1,000
  • $500
Loss of travel documents
  • $5,000
  • $4,000
  • $3,000
Fraudulent credit card usage
  • $2,000
  • $1,500
  • $1,000
Luggage delay
  • $2,000
  • $1,200
  • $1,000
Loss or damage to luggage and personal effects
  • $8,000
  • $5,000
  • $4,000
Sports equipment
  • $2,000
  • $1,500
  • $1,000
Emergency personal mobile phone charges
  • $300
  • $200
  • $100
Emergency medical evacuation and repatriation
  • Unlimited
  • Unlimited
  • Unlimited
Terrorism cover
  • Yes
  • Yes
  • Yes

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Depending on your travel needs, you have the option of single-trip or annual coverage:

  • Single trip plan. Covers you for one journey to your selected geographical area, up to a maximum of 182 days.
  • Annual plan. Covers all journeys made during the year to your selected geographical area, up to a maximum of 90 days per journey.

Both single and annual coverage options are available for the Family plan:

  • Family plan (single trip). Covers two adults that need not be related, and any number of dependents of either of the two adults. Every person covered in the plan has to depart from and return to Singapore together.
  • Family plan (annual plan). Covers a legally married couple and any number of their legal dependents. Each child must be accompanied by either parent for any trips under this plan.

What is the policy definition of dependents

Dependants have to be unmarried and below 18 years of age or up to age 25 if he or she is enrolled or still studying full-time in a recognised institution of higher learning during the policy period.

What does a travel policy from China Taiping Insurance cover?

Here are some benefits you can expect:

  • Personal accident and medical emergency cover. You’ll be reimbursed for the cost of necessary overseas treatment, repatriation or compensation for death or disability caused by an accident. The limit for medical emergencies is $600,000 with the top tier plan.
  • Insolvency of travel agent. If you’re forced to cancel your trip due to the insolvency of the travel agent whom you’ve made payment for in advance, you may be compensated up to $12,000 to cover for your losses.
  • Baggage and personal effects. China Taiping will pay you for the losses incurred if your valuables and mobile devices are lost or damaged during your trip. Do note that you’ve to lodge a report to the authorities within 24 hours of the incident to be eligible for the claim.
  • Entertainment ticket protection. As part of the policy’s extended benefits, you may be compensated up to $1,000 for any tickets you’ve purchased in advance but unable to utilise due to unexpected circumstances.
  • Luggage delay. You’ll receive $200 compensation for each full, consecutive 6-hour luggage delay caused by the carrier, up to the maximum payout stated for the plan you opt for.

What doesn’t my policy cover?

Here are some exclusions that your Travel Safe policy will not cover:

  • You have a pre-existing condition that China Taiping indicated on its list of exclusions.
  • You’re declared medically unfit to travel but decide to go ahead with the trip.
  • You’re trying to claim for treatments that could be reasonably delayed until your return to Singapore.
  • You’ve been intoxicated by alcohol or drugs that are not prescribed by the doctor during the incident.
  • You lose your luggage due to negligence, or if it gets lost on a separate courier.
  • Your trip is cancelled without reason, or if the policy was purchased less than 7 days prior to the trip.
  • You travel against the government’s travel advice to high-risk areas, such as those with impending war, strikes, disease outbreaks and natural disasters.
  • Your claim arises from or is in any way related to self-harm, wilful exposure to danger, mental or nervous conditions.

Pros and cons of China Taiping insurance


  • No age restrictions. You’ll be covered as long as you’re fit to travel. Unlike many other insurers, your age will not affect the cost of your premium.
  • 24/7 global assistance, evacuation and repatriation. Regardless of where you’re travelling, rest assured that China Taiping Insurance’s support partner has round-the-clock availability should you require any emergency assistance.
  • High medical expenses coverage. You may receive up to $600,000 coverage for emergency medical and dental expenses.
  • Sports equipment cover. Specialised equipment required to participate in a particular sport will be covered. Note that accessories or motorised equipment are excluded.
  • Double cover for public transport. Your beneficiary will receive twice the compensation offered for accidental death benefit, should you suffer a fatal accident overseas while travelling as a fare-paying passenger on public transport.


  • No extreme sports coverage. China Taiping Insurance does not cover high-risk sporting activities, such as mountaineering, expeditions, off-piste skiing, skydiving, scuba diving or outdoor rock climbing.
  • No online claims portal. To make a claim, you’re required to print and mail a duly-filled claim form along with your supporting documents. Compared to insurers with user-friendly online claims portals, filing claims the old-school way is definitely more time-consuming.

    How do I contact China Taiping Insurance?

    If you have any enquiries, you may reach out to China Taiping Insurance through these contact details:

    • Emergency hotline: +852 2851 1990
    • General enquiries: +65 6389 6111

      How to make a claim

      To file a claim with China Taiping Insurance, you’ll need to download the claim form from its claims page. On the form, you’ll be required to fill in your particulars:

      • Your name
      • Your address
      • Your contact number
      • Your occupation
      • If you have any other insurance in force that may cover any part of the loss you’re claiming for

      Next, you’ll be required to provide details for your claim:

      • Date, time and location of incident
      • Detailed description of the incident
      • Nature and extent of the damage, loss or injury

      Finally, you’ll need to provide details of your claim, scan and upload other specific types of supporting documentation. Examples include purchase receipts, photo evidence, police reports, medical bills and reports, and any other relevant document. If were any third party property or injury involved, you’re required to provide its details and particulars.

      Do note that all claims are assessed on a case by case basis and depending on the circumstances of your claim, further investigations may be required.

      Questions you might have

      Compare a range of Travel Insurance products here.

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