Travel Insurance helps protect you from risks while you are traveling overseas by reducing the amount you have to pay out of your own pocket should something unforeseen happen. All policies offer at least basic levels of cover for medical costs, cancellations and lost, damaged or stolen baggage.

Every policy is different, so it is important to check that you have the right insurance for the kind of traveling and adventurous activities you plan to do.

Depending on the insurer, travel insurance policies typically provide the following coverage:

- Trip cancellation/delay/postponement
- Baggage delay
- Missed connections
- Loss or damage of personal belongings
- Overseas medical expenses
- Emergency medical evacuation
- Terrorism cover
- Personal accident
- Legal assistance
- Adventurous activities

When you buy travel insurance you can choose from 2 types of policies:

- Single Trip Travel Insurance covers you for 1 single trip that originates and ends in Singapore.

- Annual Multi-Trips Travel Insurance covers you for unlimited trips starting and ending in Singapore for up to a year. Each trip generally should be for less than 90 days (period may vary across different insurers).

It is recommended to buy an Annual Travel Insurance if you travel more than 3 to 5 times a year. Not only will you enjoy significant savings, you don't have to worry about purchasing travel insurance every single time before your departure!

You should buy travel insurance as soon as you have confirmed your return flight ticket. This protects your trip against unforeseen events even before your holiday starts. For example, travel insurance can cover flight cancellations, rescheduling due to global viruses, natural disasters, civil unrest, or even if the travel agency or booking website goes burst!

Unfortunately, travel insurance does not work this way. You will need to purchase your travel insurance before departing Singapore for your overseas trip. Insurers are unlikely to cover you if you purchase travel insurance after your trip begins. Remember to buy them while you are in Singapore!

Some travel insurance plans can cover pre-existing condition(s), but will be more expensive than a standard travel insurance plan.

In general, buyers should assume that all pre-existing condition(s) are not covered unless specifically mentioned in the policy wordings.

Iif you choose to purchase a standard travel insurance plan, should a claim arise due to your pre-existing illness, the insurer may reject your claims and refuse payout.

Most insurers now offer online claims submission. This saves you the hassle of going to their branches or offices. Be sure to document as many details as possible, keep the original clinic/hospital invoices, reports from police, airlines, hotels etc. and provide proof of your travel – either your flight tickets or the entry/exit stamp in your passport.

Otherwise, you can always reach out to us for assistance in your claims submission and we will be very happy to help.

Serving the interest of our clients is always our 1st priority. Personalized support and relationships matter to us. We cut all the noises and give you the best we can find. Let us know if there is anything else we can help, we will be very happy to assist in every way we can.

Because of the highly competitive travel insurance industry, insurance companies may have promotional rates or new features the next time you renew or purchase your insurance.  

The best travel insurance for you will depend on the coverage you are looking for and the price you are willing to pay. Optional coverage such as extreme sports, overseas wedding shoots, hiking to remote areas, renting a car, pre-existing medical conditions, and others may not be available unless you request for these options.

We can help you to save money or get better terms for your travel insurance through comparing quotes at no cost.

There is usually a no refund policy once a travel insurance policy is issued. You may wish to defer the purchase of travel insurance if your trip has not been fully confirmed or if you are on a waitlisted flight.