Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

DirectAsia travel insurance

Compare DirectAsia travel insurance plans with our guide so you can make a well-informed decision before purchase

DirectAsia offers customisable travel insurance coverage at competitive rates. Basic plans start from as low as $14 and travellers can choose to add more features to their plans. For instance, COVID-19 and extreme sports coverage are available as add-on riders.

With a no-frills approach to travel insurance, the plans are suitable for those who would prefer a policy adapted to their travel needs.

Compare policies and apply securely

1 - 2 of 2
Name Product Medical Cover Cancellation Cover Baggage Delay With COVID-19 Coverage? Offer
DirectAsia Single Trip Plan
Up to $1,250,000
Up to $37,500
Up to $2,500
Optional
Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.
DirectAsia Annual Trip
Up to $2,500,000
Up to $62,500
Up to $2,500
Optional
Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.
loading

Compare up to 4 providers

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.

What is DirectAsia travel insurance?

DirectAsia allows travellers to add only the protection they need for a single or annual trip. There are 4 main tiers that you can choose according to your budget and travel needs. Travellers can add on COVID-19 or extreme sports coverage as well. Children and adults are insured up to the same limits.

You can opt to purchase coverage for yourself, your family (including your helper) or a group of 2–6 persons. The plans cover overseas medical expenses, including consultations by traditional Chinese medicine (TCM) practitioners, loss or theft of belongings and trip delays or cancellations. It also covers compassionate visits so a family member can travel to accompany the insured person if they are hospitalised.

What are the cover options for DirectAsia travel insurance?

Direct Asia travel insurance offers 4 levels of cover: DA150, DA200, DA500 and DA1000. Note that the below benefits are for individual coverage. Combined family claims limits for each plan vary. Be sure to check out the policy details before your purchase.

  • Up to $1,000 for baggage delays
  • Up to $3,000 in trip cancellation cover
  • Up to $1,500,000 for emergency medical evacuation
  • Up to $150,000 for a child or adult in overseas medical cover
  • Up to $1,500 for rental car loss or damage during an insured trip
  • Payout of the original price (less depreciation cost) for loss, theft or damage to personal possessions
  • Round-trip compassionate visits up to $2,000
  • Up to $200,000 for personal liability claims
  • Claim limit for visits to Chinese medical practitioners up to $300
  • Benefit limit of $1,000 if pet hotel arrangements are required in case of delayed trip return
  • Up to $1,000 to protect you from travel delays due to unforeseen external circumstances
  • Up to $3,000 for baggage delays
  • Up to $10,000 in trip cancellation cover
  • Up to $1,500,000 for emergency medical evacuation
  • Up to $200,000 for a child or adult in overseas medical cover
  • Up to $1,500 for rental car loss or damage during an insured trip
  • Payout of the original price (less depreciation cost) for loss, theft or damage to personal possessions
  • Round-trip compassionate visits up to $3,000
  • Up to $400,000 for personal liability claims
  • Claim limit for visits to Chinese medical practitioners up to $500
  • Benefit limit of $1,000 if pet hotel arrangements are required in case of delayed trip return
  • Up to $1,000 to protect you from travel delays due to unforeseen external circumstances
  • Up to $5,000 for baggage delays
  • Up to $15,000 in trip cancellation cover
  • Up to $1,500,000 for emergency medical evacuation
  • Up to $500,000 for a child or adult in overseas medical cover
  • Up to $1,500 for rental car loss or damage during an insured trip
  • Payout of the original price (less depreciation cost) for loss, theft or damage to personal possessions
  • Round-trip compassionate visits up to $5,000
  • Up to $1,000,000 for personal liability claims
  • Claim limit for visits to Chinese medical practitioners up to $750
  • Benefit limit of $1,000 if pet hotel arrangements are required in case of delayed trip return
  • Up to $1,500 to protect you from travel delays due to unforeseen external circumstances
  • Up to $7,500 for baggage delays
  • Up to $25,000 in trip cancellation cover
  • Up to $1,500,000 for emergency medical evacuation
  • Up to $1,000,000 for a child or adult in overseas medical cover
  • Up to $1,500 for rental car loss or damage during an insured trip
  • Payout of the original price (less depreciation cost) for loss, theft or damage to personal possessions
  • Round-trip compassionate visit up to $7,500
  • Up to $1,000,000 for personal liability claims
  • Claim limit for visits to Chinese medical practitioners up to $1,000
  • Benefit limit of $1,000 if pet hotel arrangements are required in case of delayed trip return
  • Up to $2,000 to protect you from travel delays due to unforeseen external circumstances

How do the features of DirectAsia travel insurance policies compare?

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

Benefits summaryDA150DA200DA500DA1000
Personal accident benefits
Accidental death and permanent total disabilityIndividual:

  • Adult: (< 70 years old): $100,000
  • Adult: (> 70 years old): $50,000
  • Child: $100,000

Family:

  • $250,000
Individual:

  • Adult: (< 70 years old): $300,000
  • Adult: (> 70 years old): $150,000
  • Child: $300,000

Family:

  • $750,000
Individual:

  • Adult: (< 70 years old): $500,000
  • Adult: (> 70 years old): $250,000
  • Child: $500,000

Family:

  • $1,250,000
Individual:

  • Adult: (< 70 years old): $500,000
  • Adult: (> 70 years old): $250,000
  • Child: $500,000

Family:

  • $1,250,000
Family member accompaniment$2,000$3,000$5,000$7,500
Personal liability claims$200,000$400,000$1,000,000$1,000,000
Medical and related benefits
Overseas medical expensesIndividual:

  • Adult: (< 70 years old): $150,000
  • Adult: (> 70 years old): $75,000
  • Child: $150,000

Family:

  • $375,000
Individual:

  • Adult: (< 70 years old): $200,000
  • Adult: (> 70 years old): $200,000
  • Child: $200,000

Family:

  • $500,000
Individual:

  • Adult: (< 70 years old): $500,000
  • Adult: (> 70 years old): $250,000
  • Child: $500,000

Family:

  • $1,250,000
Individual:

  • Adult: (< 70 years old): $1,000,000
  • Adult: (> 70 years old): $500,000
  • Child: $500,000

Family:

  • $2,500,000
Local medical expensesIndividual:

  • Adult: (< 70 years old): $5,000
  • Adult: (> 70 years old): $2,500
  • Child: $10,000

Family:

  • $12,500
Individual:

  • Adult: (< 70 years old): $10,000
  • Adult: (> 70 years old): $5,000
  • Child: $10,000

Family:

  • $25,000
Individual:

  • Adult: (< 70 years old): $25,000
  • Adult: (> 70 years old): $12,500
  • Child: $25,000

Family:

  • $62,500
Individual:

  • Adult: (< 70 years old): $50,000
  • Adult: (> 70 years old): $25,000
  • Child: $50,000

Family:

  • $125,000
Chinese medical practitioner (overseas or local) Individual or family

    $300

    Individual or family

      $500

      Individual or family

        $750

        Individual or family

          $1,000

          Emergency medical evacuation and repatriationIndividual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Repatriation of ashes/body to SingaporeIndividual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Individual:

          • Adult: (< 70 years old): $1,500,000
          • Adult: (> 70 years old): $250,000
          • Child: $10,000

          Family:

          • $3,750,000
          Travel inconvenience cover
          Trip cancellation, postponement and delay Individual:

          • $3,000

          Family:

          • $7,500
          Individual:

          • $10,000

          Family:

          • $25,000
          Individual:

          • $15,000

          Family:

          • $37,500
          Individual:

          • $25,000

          Family:

          • $62,500
          Travel disruption due to terrorismIndividual: $1,000

          Family: $2,500

          Individual: $2,500

          Family: $6,250

          Individual: $2,500

          Family: $6,250

          Individual: $5,000

          Family: $12,500

          Loss of personal possessions (including money, valuables and travel documents) Individual: $1, 000
          Family: $2,500
          Individual: $3, 000
          Family: $7,500
          Individual: $5, 000
          Family: $12,500
          Individual: $7, 500
          Family: $18,750
          Baggage delayIndividual: $1, 000
          Family: $2,500
          Individual: $1, 000
          Family: $2,500
          Individual: $1, 000
          Family: $2,500
          Individual: $1, 000
          Family: $2,500
          Credit card fraud (up to $200)
          Pet accommodation due to travel delay (up to $1,000)
          Cover for rental car loss/damage(up to $1,500)
          Automatic cover due to delay

          *The information provided in the table is accurate as of 22 August 2022.

          Policy add-ons

          DirectAsia provides the following add-ons to travel insurance policies:

          Optional add-onsSingle tripAnnual trip
          COVID-19 coverYesNo
          Maid cover (medical expenses and emergency repatriation included)YesYes
          Extreme sports coverNoYes
          Sports gear coverage

          • Individual: $5,000
          • Family: $12,500
          NoYes

          What does a DirectAsia policy cover?

          Here are some common situations DirectAsia covers if your policy contains the benefit mentioned:

          • You fall sick and require medical treatment overseas or you need treatment in Singapore after your trip. Medical treatment overseas covers at least $150,000 for the most affordable plan and up to $1,000,000 for the highest tier. This covers eligible medical expenses overseas such as consultation fees and hospitalisation bills. If you need treatment back in Singapore, you can claim treatment for up to 30 days. The insurer will pay for a family member to travel to your destination.
          • You are ill and need to return to Singapore immediately. DirectAsia will pay up to $1,500,000 for adults (18–70 years old) and children if you need to move to another location or return to Singapore for medical treatment immediately. Seniors (over 70 years) can claim up to $250,000. For family insurance, the claimable limit is $3,750,000.
          • You hired a rental vehicle and lost or damaged it in an accident. DirectAsia travel insurance covers rental car loss or damages during the insured trip if you are licensed to drive in the country and opted for comprehensive motor insurance as part of the agreement.
          • You do not wish to travel because the destination suffers a terrorist attack. Should there be an act of terrorism within 50 kilometres of your planned accommodation, you can claim for any costs incurred if you wish to change your travel plans. The incident must occur after booking the trip and within 30 days of your leaving date. This also applies if you want to return early to Singapore.
          • You arrive at your destination but your checked-in possessions are lost. Should your luggage remain missing after 6 hours of your arrival due to the carrier delay, the insurer will pay $200 for every 6 hours of delay. You must obtain written confirmation from the transport or service provider about the delay.
          • You want to hike or surf during your insured trip. If you are hiking without equipment, the plan covers any height up to 1,500 metres without specialised gear. Regular sports such as surfing, yachting, snorkelling and golf are covered. However, if you wish to participate in skiing or triathlons, take note that these activities are only insured under the extreme sports cover.
          • You get into an accident overseas, resulting in permanent disability or death. The plan also covers injuries that result in loss of limbs or sight. It covers the costs of any expenses incurred for funeral arrangements if you pass away during the trip.

          What doesn’t my policy cover?

          There are several reasons DirectAsia could deny your claim:

          • You have a pre-existing condition or injury before the trip that requires you to seek medical treatment during or after the trip.
          • You could not notify DirectAsia that you are seeking emergency medical evacuation. In this case, the insurer will only pay expenses they would have provided based on its assessment.
          • You wish to travel to the destination even after the government or any international body has issued a do not travel advisory.
          • You’re trying to claim for possessions lost when you left them unattended in a public place.
          • You are transiting through an area and an act of terrorism occurs.
          • You cancelled your trip due to your financial circumstances or work-related reasons.
          • You drove a rental car illegally or you were not the one hiring the rental car.
          • You were intoxicated when you damaged any property or lost your items.

          Policy cost

          To obtain the policy premium costs for DirectAsia, you will need to input your age, destination and trip duration. Select the level of coverage in the quote form on the insurer’s website.

          Note that the insurer offers both annual and single-trip plans. You can choose group or family plans as well.

          Geo zones

          • ASEAN regions: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
          • APAC destinations: Australia, China (excluding Tibet and Mongolia), Hong Kong SAR, India, Japan, South Korea, Macau, New Zealand, Sri Lanka and Taiwan.
          • Worldwide: All countries are covered, excluding Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia and Yemen.

          Pros and cons of DirectAsia travel insurance

          Benefits

          • Customisable add-ons. You can choose to add on COVID-19 or extreme sports coverage only if you require it.
          • 4 levels of coverage. You can choose from 4 different options depending on your travel insurance needs. There are plans for single or group travellers and frequent flyers.
          • TCM practitioner coverage. If you prefer to see a traditional Chinese medicine practitioner for recovery, you can claim for consultation costs incurred.
          • 24-hour emergency assistance. DirectAsia has a support team to handle your policy purchase, manage your claim and oversee emergency medical assistance.

          Drawbacks

          • Extreme sports coverage is excluded from the main policy. If you want to participate in exciting activities such as skiing or boxing, you’ll need to purchase the extreme sports add-on.
          • Lower claimable limits compared to other insurers. Compared to other insurers, DirectAsia has lower claimable limits. For instance, you can claim up to $200,000 for medical expenses overseas if you purchase the most affordable Allianz Travel plan. On the other hand, the most basic plan for DirectAsia covers you only up to $150,000.

          Apply for DirectAsia travel insurance

          If you’ve compared your options and decide to obtain coverage for your overseas trip from Direct Asia Travel, head to the comparison table and click the “Go to site” button.

          Enter your destination and travel duration and input your details. You’ll then receive a quotation for your cover and may proceed to purchase the insurance online.

          How do I contact DirectAsia?

          If you have any enquiries, you may reach out to DirectAsia through these contact details:

          • 24-hour emergency assistance: +65 6603 3699 (overseas), +65 532 1818 (Singapore)
          • General enquiries: 6665 5555
          • For claims: claim@directasia.com

          You can visit the website and request a callback using the form provided.

          How to make a claim

          DirectAsia makes it convenient to submit a claim by clicking the Claims page on its website. Once you are on the page, you can notify the insurer of your claim by calling them within 30 days of the incident or sending an email to claim@directasia.com.

          After that, you will need to fill in the online travel claims form within 30 days of reporting. Prepare these relevant documents before you fill in the form:

          • Your policy reference number
          • Your name
          • Your national registration identity card (NRIC)
          • Your address
          • Your telephone number
          • Flight itinerary
          • Copy of police report if a loss or accident has happened

          Then, scan and upload other specific types of supporting documentation. Examples include receipts, medical reports, photo evidence, rental car agreement and other relevant documents. Provide your payment details to finalise your claim submission.

          About DirectAsia travel insurance

          DirectAsia Insurance aims to provide jargon-free insurance options so travellers can customise insurance plans for their needs. The company was incorporated in Singapore in 2010, expanded worldwide and was acquired in 2014 by international insurer Hiscox.

          Hiscox is a leading insurance group operating in various markets across the UK, Europe, USA and Asia. As a subsidiary of Hiscox, DirectAsia leverages this international expertise to give Asian consumers accessible, comprehensive travel insurance policies at competitive rates.

          Frequently asked questions

          Back to top

          More guides on Finder

          • Travel insurance Philippines

            This guide looks at the attractions and dangers of this beautiful part of South East Asia and why travel insurance is not only advisable, but vital to have.

          • Travel insurance for Bangkok

            Get comprehensive travel insurance before you travel to Bangkok.

          • Travel insurance for South Korea

            Read our travel insurance guide if you’re planning to head to South Korea.

          • Travel Insurance for the USA

            Find travel insurance with unlimited medical cover, cancellation, lost luggage and more for your trip to the USA .

          • Travel insurance for New Zealand

            Find out why travel insurance is actually worth getting if you are heading to New Zealand.

          • Travel insurance for Canada

            Whether you’re off to conquer the world-class slopes in the Canadian Rockies or explore the cultural city hubs of Toronto and Montreal, travel insurance is a non-negotiable item for your exciting Canadian adventure.

          • Thailand travel guide

            The Land of Smiles beckons travelers with its friendly locals and world class food. Find travel tips in our Thailand travel guide.

          • Malaysia travel guide

            The sunny peninsula of Malaysia awaits all kinds of travellers. Do you enjoy shopping or sliding down rollercoaster rides? Perhaps you prefer an adventurous hike or a leisurely spa. Malaysia offers so many options for visitors.

          • Australia travel guide

            If you’re travelling to Australia, find out some of the coolest things you can add to your itinerary in our Australia travel guide.

          • Indonesia travel guide

            From the legendary beaches of Bali to the magnificent Borobudur Temple in Central Java, Indonesia offers some of the last great adventures on earth.

          Go to site