Travel Insurance Plan Reviewed


Flight Delayed

Hans Christian Anderson once said,”To travel is to live”. It is always exhilarating to visit new places, meet new people and experience new cultures. While we are planning a trip, at the back of our mind, we often are concerned about…

  • “What if my flight got delayed?”
  • “What if I fall sick overseas?”
  • “What if?”

Thus, it is extremely important to buy a comprehensive travel insurance plan in case of expected events and for peace of mind.

Since I know little about travel insurance, I decided to do a little research. First of all, I was surprised to find out many local banks selling travel insurance in addition to the established insurance companies such as Aviva, AXA, Chubb Travel Pro, MSIG, NTUC Income, Tenet Sompo and Travel Guard.

What To Consider When Buying Travel Insurance

Medical Coverage – The most fundamental point to note when buying a suitable travel insurance is to make sure that they have high coverage limit on your medical expenses. Medical expenses in USA and Japan are extremely expensive, a visit to a clinic in USA could easily cost hundreds of dollars. Alternatively, look for a travel insurance policy that allows the traveler to seek medical treatment when he is back in Singapore.

Delayed Departure or Delayed Baggage – Most people make claims on travel insurance more or less for these reasons – delayed flight, flight cancellation or baggage delayed. So, it is important to compare the benefits payout on these three items offered by the different travel insurance companies in accordance to the premium rates they charged.

Adventurous Sports – Nowadays, many travel insurance covers adventurous sports like diving, mountain climbing, kite surfing etc with no additional premium loaded unless the adventurous globetrotter is competing as a professional.

Pre-existing Conditions – You should know that all travel insurance does not cover pre-existing conditions, pregnancy.

Tips on How to Claim Travel Insurance

If you need to make a claim, one thing to remember is to make sure you have all your receipts and necessary documents ready:
– To claim for theft, a local police report is required;
– To claim for flight delayed or flight cancellation, you need to obtain a report from the airlines stating the reason for such delay.

Tips: Putting the right words in explaining the delay or cancellation determines whether the claim shall go through or not. Typically, the cause for the inconvenience must be due to:
– strike, riot or civil commotion/industrial action;
– adverse weather conditions;
– natural disaster (typhoon, earthquake, flood and the like)
– mechanical breakdown/structural defect of your scheduled public conveyance.

I’ve had a bad claims experience recently. My claim was initially rejected because the airlines report stated that the flight was cancelled due to poor runway condition and ‘poor runway condition’ is not one of the above valid reasons accordingly to the claims officer. So I had to argue that “poor runway condition was precisely due to bad weather”, and eventually the appeal went through.

Brace yourself as insurance companies tend to deal with the claims slowly. To make a speedy claim or when the claim amount is huge, it is advisable to submit your claims personally, i.e. to visit the insurance claims department. Be sure to keep a copy of all the documents you have submitted.

Understanding The Different Travel Insurance Plans

These are the various travel insurance available in Singapore:

After much researching, I found that ACE travel insurance offers a higher coverage on delayed departure – S$200 for each 6-hour travel delay while many other travel insurance companies offer only S$100 for each 6-hour. On the other hand, extra brownie point for NTUC Income whereby their premium rates are very competitive and their claim service is efficient.

Some travel insurance companies can be more stringent with the claims related to budget airlines as budget carriers tend to experience more frequent flight delays or flight cancellations.

Travel Insurance Annual Plan

The best way to save cost for travellers who travel at least 3 times a year is to purchase an annual plan. A travel insurance annual plan with worldwide coverage can go from S$128 to over S$600 a year depending on the benefits payout. Every insurance company has slightly different features and benefits to cater to their target market, hence, the reason with different premium rates. So, make sure to read the fine print before committing to a travel insurance policy and not just go for the cheapest insurance deal.

Even though choosing travel insurance can be a hassle, we have to admit they have made holiday trips more enjoyable and comfortable. I hope this article cleared some of the fog surrounding travel insurance. Having said that, enjoy your holiday without any worries with assured protection!

AIG Travel Guard - Buy Online


Related Posts on Travel Insurance

  • AIG Travel Guard
    AIG’s Travel Insurance packages are great for people with lots of concerns; many are ‘one size fits all’ types.
  • Tenet Travel Insurance
    Tenet Travel Insurance offers comprehensive coverage for all with no age limit. During Tenet TravelJoy promotion, discount on single trip plan is up to 45%. Make travel insurance your perfect companion for an enjoyable trip.
  • How to Pick the Best Travel Insurance
    To travel worry-free, you will want to be covered by travel insurance. Singapore-based insurance companies, e.g. NTUC travel insurance offers easy-to-activate insurance coverage for your overseas holiday trip.
  • EM

    ACE Travel Insurance provides e-filing for claims which is very convenient and easy to use. I can submit claims online instead of sending in by post. I now have a better peace of mind that my claims document is not lost in mail or not rec’d by ACE. Simply visit if needed.

    • justin

      Has anyone have experience claiming diving related injury (DCI/DCS) from Ace insurance?
      I have not but wonder if they do indeed cover as hyperbaric chamber treatments are not cheap.

  • Jon

    I think u left out liberty insurance. I had been using them for quite some time now and I must say their claim process is quite fast and they seem to be rather lenient on their claims. However I’ve not compared their plans to other companies, but it’s seems quite comprehensive to me.

  • wong

    Which insurance co provides coverage for car rental overseas n liability coverage?

  • SY

    Anyone has idea of UOB Travel Insurance? Is this reliable or easy come to claim?

  • KH

    Well, before purchase any travel insurance, we have to read the tiny words carefully. Had an experience with ACE Travel Insurance whereby I fall sick the last day when I was in Bangkok, decided to seek a doctor when I returned to Singapore. Reasons are time cosuming and insecured with Bangkok clinics. When I submitted my claims of Mount E A&E, the claim was declined. Reply from ACE Travel Insurance were, I did not seek overseas doctor and I was not hospitalise.
    I was told by my friends, travel agent like MSIG and AVIVA cover medical expenses even after you return Singapore.

    • Steven Chong

      Why do you need to see a doctor in overseas with ACE travel insurance? ACE policy says it covers medical insurance within 30 days after return to Singapore, unless it is another insurance fraud?

      • Ho

        My claim was declined by ACE travel insurance. They replied me with those clauses saying I have to see a doctor overseas. Called them and clarify, same reply as email. Had to bear a painful sgd500+ of medical bill myself. Was a bad experience, will never buy from ACE travel insurance. Am unsure if is insurance fraud as bought via AMEX credit card.

      • Ho

        Indeed, ACE travel insurance did mentioned they do not pay out post medical in Singapore in their FAQ.

        • KH

          Chong, it is definitely not a insurance fraud. Mount Elisabeth Hospital A&E will not provide “fraud services” and not that I know of medical claims can be insurance fraud either. Furthermore, insurance fraud might lead to fine or imprisonment. ACE Travel does not covers medical insurance after your journey unless you are hospitalize on the same day you arrive Singapore. You might also click on ACE Travel insurance, there are reviews mentioned.

  • Josh

    The DBS Travel Shield policies underwritten by MSIG are heavily promoted and discounted but are full of caveats around the medical and activities you can and cannot claim under. beware of this product. For all the advertising regarding adventure sports cover you will find many popular activities are not covered. The advertising is false. Their exclusions for some medical conditions is stringent and the general exclusion for anything related to pregnancy taken to the letter. we found out we were pregnant while travelling and needed to change our flights. they would not assist. brutal. avoid this product

  • Diamond

    I think you missed out allianz assistance. I always use allianz global assistance’s travel insurance plan as it’s always been super efficient when I made a claim. It pretty much covers every issue you can encounter when you travel. in case you wanna know more… this is the link

  • vegetables

    I should have checked the reviews here… Now ACE is renamed as Chubb.
    Tried to buy its travel insurance for a 4D3N trip. I am in deep regret now!!

    My claim for medical treatment at A&E (Mt. Alvernia) on the same day after flight arrival from my overseas trip was rejected. Even though Dr. certified that it was traveller’s gastroenteritis suffered during my overseas trip and medical treatment was done within the last day of my travelling period.

    Travel insurance without post-trip medical coverage does not make sense for travellers, especially for short-trip travellers who are required to waste time to seek overseas medical treatment even for minor sickness or injuries, in order to ‘secure’ the post-trip medical coverage. It is virtually not useful at all for traveller in this respect.

    The major insurance providers are covering post-trip medical treatment within a grace period like 7 days from the day of return, even if there is no prior overseas medical treatment. This coverage makes sense and is vital for nowadays many complicate infection or sickness may take up a few days or one week to show any symptoms. For example, Dengue fever’s symptoms usually begin four to six days after infection.

    Now, I greatly regret that I made this wrong decision to try Chubb for the first time, and certainly this is the last time too.

    Additional info, my frd’s $500 watch spoilt during an overseas trip, received a BIG cheque of $20 from Chubb as settlement, with 95% depreciation applied by Chubb.

    What a joke!!

    • Melissa Pascual

      Same with me!
      Sharing my unfortunate experience with Chubb insurance singapore.

      I boarded my flight back to SG and on the flight I fainted and got food poisoning. Upon landing I immediately went to Raffles Clinic at Changi Airport for medical assistance. To me, this should be part of post medical expenses included in my insurance. However #chubbinsurancesingapore denied my claim stating that I should be hospitalised in the foreign country then treated in Singapore so they can accept my claim. I got sick on a journey aboard the plane and obviously will not consider this as part of their medical coverage. I’ve requested to reconsider my situation and even after 2 weeks I still have not received a reply.

      I even purchased an essential worldwide coverage for 1 year and this first claim with Chubb.

      Do not get any travel insurance from #chubbinsurance or #aceinsurancesingapore . If you have you can still cancel it within 30 days at the start of your coverage with full reimbursement.

  • Himanshu Upadhyay

    Has anyone tried ERGO Travel Insurance, TravelProtect? They are German insurers and their product and services in Singapore seem to be good.

  • Wombat

    After comparison I decided to go with FWD, their Travel plan cover most “extreme” sport activities like sky diving, diving, hiking etc.. Have very good baggage loss/delay terms and are on par with all the big names in accident and medical coverage, they even include terrorism cover. I used a link for 5% off and completed their survey for an additional 5%. So overall, it’s a very good deal. I will include mine if anyone’s interested.

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