Get The Right Travel Insurance Singapore

Learn more about the main features and coverage of travel insurance.

What is Singapore travel insurance?

Travel insurance is a form of insurance that is purchased by travelers all around the world.

Even though having a travel insurance policy is not compulsory. Many individuals take vacations without any kind of cover, which we believe is not the right choice, as it's much better to be safe compared to sorry.
Good travel insurance should be arranged when the trip is being booked to ensure that the everybody on the trip or vacation is fully covered and protected.

Types of risks covered

The common risks that with travelling are usually covered by the insurance, they include medical emergencies, trip cancellations and trip interruption. Other than that, unused travel, accommodation costs and pre-paid charges such as additional travel charges are also covered by the insurance.
Some insurance providers provide additional travel coverage but it varies across different insurance agencies therefore it’s important to do proper research before settling on a plan.

- Cancelled trips

Every traveler is always excited about their planned vacation therefore when something comes up and prevents one from travelling, not only will one be disappointed but they will have to cancel the trip. Some of the things that travelers will cancel include plane tickets, cruise fares, tour packages, hotel rooms, charter fishing boats and golf green fees.
Trip cancellation coverage covered under the policy will ensure that you, the traveller is reimbursed for pre paid and non refundable expenses. There are several reasons why a trip is cancelled and some of the reasons accepted by insurance companies include sickness, death of you or a family member, hurricane damages at the destination, being fired from work, terrorism, jury duty and bankruptcy among others.
Trip interruption coverage is similar to cancellation coverage but this covers when one is on the trip. This means that if something happens while on the trip, you need to travel home and the insurance provider will reimburse for the lost portion of the trip.

- Medical emergencies

It is important for every traveler to know that their medical insurance provided in their home country only covers them within the borders of the country and not when in a foreign nation. If you are travelling to an international tourist destination, the medical expense coverage will cover you for accidents and emergency medical care.

- Lost bags and delayed flights

The following are coverage provided to the traveler in relation to lost bags, delayed bags and delayed flights.
Baggage coverage is provided by insurance companies and it helps to reimburse the traveler for lost, stolen or damaged personal belongings.
Baggage delay coverage provides the traveler with money which is used to purchase essential items as one awaits delayed bags. Items one can purchase include a swim suit, a change of clothes or toiletry kit.
Travel delay coverage on the other hand provides reimbursement for additional expenses especially if your flight is delayed. Expenses include an extra night in a hotel or a meal at a hotel restaurant.
Additional coverage provided by the insurance includes life insurance, hazardous sports, rental car collision and identity theft.

How it works

Travel insurance is not only provided in order to reimburse the traveler for lost bags or delayed flights but it covers more issues such as medical expenses, identity theft, life insurance and even rental car collision.
For example if you as the traveler gets sick or gets injured while on vacation and one is not able to continue, the insurance provider will reimburse all costs associated with the remainder of the trip. The insurance also covers you for non-refundable costs which include severe weather leading to cancellation of flights or damages that have occurred at the holiday destination. Others include losing your job or being required to work during your travel or being called for jury duty or if your travel provider goes bankrupt.

Why Do You Need Travel Insurance?

Travel cancellation

In case you cancel your trip due to unavoidable circumstances, you will be reimbursed thanks to the trip cancellation coverage.

Sickness

The human body is susceptible to sickness causing vacation cancellation. With travel insurance, the traveler can have a medical team attend to their sickness.

Lost Luggage

You have finally packed everything, arrived at the airport early, boarded the plane, arrived at your destination safely but when you check for your luggage, it has not arrived.

Trip Interruption

Just before you board the plane, something happens and you are required to return home. Don’t worry trip interruption coverage will ensure that you have peace of mind.

Emergency evacuation

Insurance providers will ensure that you are evacuated in case of an accident or medical emergency while you are on vacation.

Lost Possesions

You'll get full coverage in the event where you lose your possesions such as your passport or mobile devices while on your trip.

Support When Needed

Once you purchase insurance from any provider, you will be provided with a 24/7 customer support line for use in any situation.

Peace of mind

As a traveler, you will get to have peace of mind thanks to affordable coverage. You will feel safer that you have protection on your trip.

What Travel Insurance Covers

1. Cancelled trips

Travelling is the most exciting thing therefore when something comes up and prevents you from travelling, not only will one be disappointed but they will have to cancel the trip. Some of the things that travelers will cancel include plane tickets, cruise fares, tour packages, hotel rooms, charter fishing boats and golf green fees.
While on your trip, you can be protected by travel insurance, as trip cancellation coverage covered under the policy will ensure that you the traveller is reimbursed for pre paid and non refundable expenses.

2. Lost bags and delayed flights

According to travel insurance reviews, baggage coverage is provided by insurance companies and it helps to reimburse the traveler for lost, stolen or damaged personal belongings.
Baggage delay coverage provides the traveler with money which is used to purchase essential items as one awaits delayed bags. Items one can purchase include a swim suit, a change of clothes or toiletry kit.
Travel delay coverage on the other hand provides reimbursement for additional expenses especially if your flight is delayed. Expenses include an extra night in a hotel or a meal at a hotel restaurant.

3. Medical evacuation and repatriation

As a traveler, if you are planning to travel in a country with poor medical infrastructure, it is wise to have travel insurance with you. The policy helps to ensure that you can be evacuated as well as receive repatriation in case of a medical emergency. It is important to know that medical insurance that covers you while at home will not cover you when you are in a foreign country. This can become handy especially when you are in an accident.

4. Medical Expenses

It is important to know that primary travel medical insurance replaces your existing insurance while the secondary insurance covers payments which are not covered by regular insurance. Before you purchase the insurance, you need to research and understand the clauses included therefore preventing any future misunderstanding.

5. Additional Coverage

While on your trip, you can be protected by travel insurance on issues such as life insurance, hazardous sports, rental car collision and identity theft. In life insurance coverage one is covered for accidental death or dismemberment. In hazardous sports, activities like scuba diving are covered and in rental car collision, one is protected in case of an accident.

Top