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Income Travel Insurance: Is It a Good Deal?

Covers pre-existing conditions
Provides COVID-19 hospitalisation and evacuation coverage for certain countries
Expensive, especially annual plans
Low personal accident and medical benefits

Like many other insurers, NTUC Income offers three levels of travel insurance policies to cater to the tastes and budgets of all kinds of consumers. Ultimately, its plans tend to be priced quite close to the industry average and feature a medium degree of coverage in most areas with two main weak points. While Income's plans are priced fairly given the level of coverage provided, deal-seekers will not be particularly wowed. However, Income's travel insurance policies stand out because they are one of the only insurers in Singapore that cover pre-existing medical conditions.

Table of Contents

Income Enhanced Travel Insurance: What You Need to Know
Income Enhanced PreX Travel Insurance

Sports Coverage

Claims & contact information.

Income Coverage & Benefits

NTUC Income Travel Insurance: What You Need to Know

NTUC Income's travel insurance plans are best for travellers who aren't price sensitive and want coverage for their pre-existing conditions. You can choose from 3 tiers of plans for both the Enhanced and Enhanced PreX plans: Classic, Deluxe and Preferred for the standard plans and PreX Basic, PreX Superior & PreX Prestige for the pre-ex coverage plans. We found that Income's single trip plans generally cost 15-30% below average compared to its competition, while its annual plans cost between average to 20% above average. For those prices, the coverage is more competitive when it comes to travel inconvenience benefits (cancellations, delays, luggage loss), but sinks to below average overseas medical and personal accident coverage.

This graph compares the price of all the major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers find the cheapest travel insurance for their trip.

NTUC Income offers the standard array of travel insurance benefits, ranging from medical and personal accident to trip inconvenience benefits like trip cancellation, postponement, delays and baggage loss. While most of the benefit limits are slightly below average, Income does boast above average limits for medical coverage in Singapore, trip delay and baggage loss coverage. However, these plans may fail to impress some types of travellers. For instance, Income's Basic plan provides average levels of coverage but won't impress budget travellers since its possible to find cheaper basic plans. The premium tier plan (Preferred) boasts above average coverage for a small amount of benefits, but won't stand out to travellers who equate premium-level plans with market beating coverage.

Income's annual policies cost above average for all 3 plans, so it won't be the best option for frequent travellers who are hoping to save on an annual travel insurance plan. However, as Income is the only insurer that is currently providing COVID-19 medical and hospitalisation coverage as long as you take the mandatory PCR test and test negative pre-departure and won't be travelling to a high-risk nation, it is the best option for travel during the COVID-19 period. Overall, Income's travel insurance plans are just enough for the average traveller and can provide sufficient additional coverage if that traveller needs coverage for pre-existing coverage. Otherwise, Income's Enhanced travel insurance plans may not sway budget travellers or travellers who like high levels of coverage.

Notable Exclusions

NTUC Income only covers pre-existing conditions if you purchase their Enhanced PreX plans. Besides that, the exclusions are pretty standard, including no cover for travelling for medical conditions, items lost or damaged while unattended, travelling to participate in professional or compensated sports, being a victim of war, riots, or rebellion and travelling against the advice of the Singapore Government.

NTUC Income Enhanced PreX Plans Travel Insurance

If you are not limited by budget and just want a plan that will give you ample protection for your pre-existing coverage, Income will be a good choice. However, budget travellers with pre-existing conditions may find Income to be an expensive option. We found that Income's PreX travel insurance plans cost around 3 times as much as Income's standard plans, making them quite expensive considering that Income isn't competitively priced to begin with. As one of the 3 insurers who provides extensive coverage for your pre-existing coverage, it settles somewhere in the middle, with MSIG's plans costing 10-22% less but Etiqa's Tiq plans costing around 15% more.

Besides the pricing, you should also consider the extent of Income's pre-existing coverage benefits. Its PreX plans also combine medical and emergency evacuation coverage under one limit, which brings down the value of these plans considerably (for instance, MSIG's PreX and Tiq's PreX plans have separate limits for medical and emergency evacuation, resulting in more coverage than Income). On the other hand, Income does let you claim for trip inconvenience (cancellations and postponement) due to your pre-existing conditions if you buy its Superior or Prestige plans, which can be a useful benefit for people who book their trips far in advance and have somewhat risky conditions. You should just be aware of the 50% copay you'll be responsible for should you use those benefits.

Income includes medical coverage for adventure and sports including skiing, scuba-diving, white water rafting and motorcycling. There's no golf coverage and no cover for extreme sports such as bungee jumping, skydiving and mountaineering.

Income lets you submit your claim online or via post. Both options require you to submit the proper documentation, which they list when you indicate the type of claim you want to submit. You should read the policy wording before buying the policy so you are aware of what you can and can't claim for.

Summary of NTUC Income Travel Insurance Benefits & Coverage

With so many options for travel insurance plans in Singapore, it's no wonder that picking the right one for your next business trip or holiday can seem like a daunting task. Below, we've compiled a summary of NTUC Income's premiums and coverage and how it compares to the industry average. If you'd like to learn more about how Income compares to other insurers, you can read our top picks for the best travel insurance plans in Singapore.

Best Travel Insurance in Singapore
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Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums

NTUC Travel Insurance: Summary
NTUC Travel Insurance Coverage
NTUC Travel Insurance Pre-Existing Conditions
NTUC Travel Insurance COVID-19 Coverage
NTUC Travel Insurance: Extreme Sports
NTUC vs MSIG vs Etiqa Travel Insurance
NTUC vs FWD Travel Insurance
NTUC Travel Insurance vs Other Travel Insurers
NTUC Travel Insurance Promo
NTUC Travel Insurance Claim
Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

NTUC Travel Insurance Standard
NTUC Income Enhanced PreX (covers pre-existing medical conditions)
Classic/ Basic PreX
Deluxe/ Superior PreX
Preferred/ Prestige PreX (most expensive)
ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN
Worldwide : All countries

2. NTUC Travel Insurance Coverage

3. ntuc travel insurance pre-existing conditions, ntuc enhanced prex travel insurance premiums and coverage:, 4. ntuc travel insurance covid-19 coverage, ntuc travel insurance's covid-19 coverage and benefits:, 5. ntuc travel insurance: extreme sports, 6. ntuc vs msig vs etiqa travel insurance, 7. ntuc vs fwd travel insurance, 8. ntuc travel insurance vs other travel insurers, 9. ntuc travel insurance promo, 10. ntuc travel insurance claim.

Trip cancellation
Trip shortening
Travel delay
Baggage delay
Loss and damage of baggage or personal belongings

11. Conclusion: Should I buy NTUC Travel Insurance?

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Comprehensive Review of NTUC Travel Insurance: Coverage, Benefits, and More

NTUC Travel Insurance is a product offered by NTUC Income, a leading insurance provider in Singapore. Established in 1970, NTUC Income is dedicated to offering affordable, comprehensive, and accessible insurance coverage to individuals and families. Their travel insurance plans are tailored to safeguard travelers against a wide range of unexpected circumstances, ensuring peace of mind during their journeys.

Primary features and highlights

Primary features and highlights refer to the key characteristics and notable aspects of a subject. These are often the distinguishing factors and unique attributes that set it apart. Speaking of which, an NTUC travel insurance review typically focuses on these primary features and highlights, offering insights into how it stands out in the competitive insurance market. They can refer to an event’s main activities, a product’s exceptional features, or a service’s outstanding components.

In-Depth Review of NTUC Travel Insurance Coverage

Medical and accident coverage.

Medical and accident coverage is a type of insurance policy that helps cover medical expenses resulting from sudden illnesses or accidents. It offers financial assistance towards hospitalization costs, doctor’s fees, medication, and related health care services following an unexpected event.

Travel inconvenience benefits

Travel inconvenience benefits offer compensation for unexpected challenges encountered during a journey. These include flight delays, lost luggage, emergency accommodation needs, and medical emergencies. Such benefits alleviate stress, offering travelers peace of mind and financial security.

Baggage and personal effects protection

Baggage and personal effects protection is an important feature in travel insurance policies. It covers loss, theft, or damage to personal items during your transit or stay. This ensures secure travel experiences, granting peace of mind to travelers while on their journeys.

Extra coverage – Adventure Sports, Golf Equipment, etc.

Extra coverage options for adventure sports and golf equipment provide specialized protection for enthusiasts. These coverages ensure your gear is protected from theft or damage, and in the case of adventure sports, it covers potential accidents or injuries as well.

Overview of COVID-19 Coverage under NTUC Travel Insurance

NTUC Travel Insurance now includes coverage for COVID-19-related incidents for customers. This includes medical and hospitalization expenses incurred overseas due to infection. Additionally, cancellation and trip postponement benefits related to the virus are also part of the coverage.

Detailed benefits of NTUC Travel Insurance

Extended coverage options.

Extended coverage options provide additional insurance protection beyond standard policies. These options may cover unforeseen circumstances such as natural disasters, vandalism, or unexpected health issues. They may cost more, but offer increased peace of mind.

High claims limit

A high claims limit refers to the maximum amount an insurance company is willing to pay for a claim. It’s beneficial for policyholders as it provides extensive coverage, safeguarding against substantial financial losses caused by accidents, illnesses, or damages.

Access to 24/7 emergency assistance

With around-the-clock availability, 24/7 emergency assistance provides immediate help during urgent situations. Access to this service ensures safety at all times, regardless of when an emergency occurs. Thus, it promotes peace of mind and guarantees immediate response in crisis events.

Special benefits for family plans

Family plans offer special benefits such as discounted rates, shared data, and free add-ons for multiple lines. These plans may also include parental controls, unlimited talk and text, and exclusive family features enhancing connectivity and savings.

Option of pre-existing medical coverage

Pre-existing medical coverage is an insurance option that covers prior health conditions. It is vital for individuals with ongoing health issues as it ensures they receive necessary care and medication regardless of their health status at the onset of the policy.

Variety of Add-ons

Add-ons refer to optional features or enhancements that can be added to improve a basic product or service. They enhance functionality or offer customization options to suit the user’s unique needs, increasing product versatility and overall user experience.

Pricing and plan options

Pricing and plan options are vital considerations for any product or service. They provide flexibility and choice to customers, allowing them to select an option that best fits their budget and needs. Proper pricing strategies can significantly enhance market competitiveness.

Overview of different plans

Various plans encompass different objectives and strategies. They include business plans, marketing strategies, project timelines, and financial plans. These documents guide decision-making processes, outlining goals, expected outcomes, timeframes, and necessary resources for achieving predetermined objectives.

Cost comparison with other travel insurance

Comparing the cost with other travel insurance policies is crucial while purchasing travel insurance. The coverage, benefits, and exclusions differ among the policies, so comparing helps in choosing the best out of all financially feasible options.

Claims Procedures for NTUC Travel Insurance

General procedure for filing a claim.

The general procedure for filing a claim typically involves notifying the relevant authority or insurance company about the incident. Detailed documentation must then be gathered, supporting your claim. Afterward, a claim form must be filled and submitted, typically accompanied by the gathered documentation.

Typical claim processing time

Typical claim processing time varies across different industries. For insurance claims, it generally takes 30 days from filing the claim to receiving a payout. However, complex claims can require extended periods, sometimes up to 60 days or longer.

Common reasons for claim rejection

Claim rejections often result from errors in billing information, missing documentation, or procedural missteps. Insufficient evidence of medical necessity and delayed claims submissions are common reasons. In some instances, services may not be covered by an individual’s insurance policy.

NTUC Travel Insurance Customer Service

NTUC Travel Insurance Customer Service provides exceptional assistance to policyholders. They offer prompt responses and resolve issues efficaciously. Their well-trained staff are adept at answering queries and guiding customers through the intricacies of their travel coverages. This reinforces the trust and satisfaction of their clients.

Analysis of customer service quality

Analyzing customer service quality involves understanding customer interactions, expectations, and satisfaction levels. It includes measuring response times, query resolution efficiency, communication skills, and service delivery standards. Such analysis guides improvements, fostering loyalty, and ensuring customer retention.

Overview of customer feedback and reviews

Customer feedback and reviews are crucial tools in understanding customer satisfaction and their perception of a product or service. These insights help businesses improve their offerings, resolve issues, enhance customer experience, and foster brand loyalty. It shapes future strategic decisions and influences business growth.

The Upsides and Downsides of NTUC Travel Insurance

NTUC Travel Insurance offers comprehensive coverage spanning medical expenses, travel inconveniences, and personal accidents. It includes unique benefits such as overseas study interruption and safety measures against novel viruses. It’s customizable, offering varied plans to cater to unique travel needs.

While NTUC Travel Insurance boasts numerous advantages, there are some downsides to consider. One drawback is the potential for higher premiums compared to basic travel insurance plans offered by other providers. Despite its comprehensive coverage, the cost may be prohibitive for budget-conscious travelers. Additionally, while NTUC Travel Insurance offers customization options, the process of selecting and tailoring a plan to individual needs may be complex or time-consuming for some customers. Another disadvantage is that certain exclusions or limitations within the policy may not be immediately apparent, requiring careful scrutiny of the terms and conditions to fully understand the extent of coverage.

1. What is the best travel insurance?

The best travel insurance varies based on individual needs; however, NTUC Income is widely recognized for its comprehensive coverage. It covers medical emergencies, trip cancellations, and lost baggage, and offers 24/7 worldwide assistance, suitable for both leisure and adventurous travelers.

2. Does NTUC insurance cover in Malaysia?

NTUC Income’s travel insurance does cover trips to Malaysia and it includes coverage for medical expenses, trip cancellation, personal accident, and other travel inconveniences. It provides comprehensive coverage, offering peace of mind for travelers to the neighboring country.

3. What does travel insurance not cover?

Travel insurance typically does not cover incidents related to pre-existing medical conditions, extreme sports injuries, losses due to civil unrest, or cancellations due to personal reasons. It also often excludes coverage for pandemic-related disruptions or expenses.

4. When should I buy travel insurance?

You should consider buying travel insurance as soon as you book your trip. It will cover unforeseen circumstances such as trip cancellation, medical emergencies, or travel disruptions due to weather conditions, ensuring you’re financially protected.

Disclosure: This article is sponsored. The views expressed herein are solely those of the author. The content presented is for informational purposes and may not necessarily represent the viewpoints or opinions of Spring Tomorrow.

NTUC Income Travel Insurance Review: Get the Best Coverage at the Right Price

Financially Reviewed by Edward Hee

Published: 28 October, 2023
Last Updated: 28 October, 2023

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Key features of the ntuc income’s travel insurance plan.

NTUC Income Travel Insurance plans offer travel insurance for both single and annual trips.
There are 3 different tiers of plans under 2 categories – Classic, Deluxe, Preferred under the Standard Plans category, and Basic, Superior, and Prestige under the Enhanced PreX Plans category.
You can purchase NTUC Income Travel Insurance plans for yourself (as an individual), or as a family.
You can conveniently pay for your policy with Cash, Giro, AXS, or credit card/debit card (Visa and Mastercard), Internet Banking, via My Income Portal, NETS, and cheque.
You can purchase your policy up to 180 days in advance.
Covers pre-existing conditions under the Enhanced PreX Plan.

Eligibility

In order to be eligible, you must:

Be living or legally working in Singapore.
Have a valid Singapore identification (NRIC, Employment Pass, Work Permit, Long-Term Visit Pass or Student Pass).
Start and end your trip in Singapore.
Have bought and fully paid for your policy before leaving Singapore.
Be over 30 days old.

Premium Rates

These premium rates are based on trips for a week under the Standard Plan and Enhanced PreX Plan.

Standard Plan

Enhanced prex plan, here are some of the key benefits it covers:.

Individuals under 70 years old

You can refer to the highest payout amount the benefit will pay under the family plan for a single journey.

Each individual covered by the policy is entitled to the maximum benefit as specified in th e table of cover .

Benefits Explained

Section 1: cancelling your trip, what is covered:.

A. This benefit covers you in the event that you are prevented from traveling due to the reasons listed below and are forced to cancel your trip, if they happen within 30 days before you are due to leave Singapore.

Death, serious sickness, or serious injury that you, your family member, or travelling companion may suffer. This applies if you purchased your policy at least three days before leaving Singapore, unless the event is solely accidental in nature.
Government authorities are preventing you from travelling overseas due to an infectious disease.
Sudden riots, strikes, or civil commotions occurring in Singapore or at your planned travel destination.
Natural disasters occurring in Singapore or at your planned travel destination.
Serious damage to your home caused by a fire or natural disaster.

B. This benefit covers you If you are prevented from travelling due to the reasons listed below and are forced to cancel your trip, if any of the following happens at any time before you are due to leave.

The flight is cancelled by the airline due to the closing of the airport, runway, or airspace, or poor weather conditions that force airplanes to be grounded.
You have to appear in court as a witness during your trip, and you were not aware of this when you took up the policy.
You are forced to cancel your trip because you are a child, and your travelling companion, who is your guardian, has to cancel their trip due to one of the reasons listed in A or B above.

C. If you must cancel your trip for reasons listed in A or B, this benefit will only be paid after receiving documented evidence that your claim was denied, rejected, or partially paid by the transportation or accommodation provider.

What is not covered:

Besides the general exclusions listed in Part 4 of the General Conditions, this benefit will also not pay for the following, or for loss or liability directly or indirectly caused by the following:

Any expenses resulting from your failure to promptly notify the travel agent, tour operator, transport, or accommodation providers as soon as you become aware of the need to cancel your trip.
Costs related to prepaid or non-refundable expenses for unused local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, concerts, or any other charges unrelated to transportation or accommodation.
Compensation for using air miles, holiday points, membership rewards, or credit card redemption to partially or fully pay for the trip.
You decide not to travel when the conditions listed in A2 to A4 have not actually occurred.
If you opt not to travel due to the non-serious illness or injury of a family member or travelling companion.
Claims arising from events that were already known or anticipated.
Claims resulting from pre-existing medical conditions or illnesses you were aware of before purchasing the policy. It’s important to note that if you are covered under the Enhanced PreX Superior or Prestige plan, this pre-existing medical condition exclusion will not apply to you, but it will remain in effect for your family members and travelling companions who are not covered under the Enhanced PreX Superior or Prestige plan.
Compensation for flight cancellations arising from airline-related issues, including aircrew rotation, rescheduled flights, operational requirements, or mechanical breakdown of the aircraft on which you have a pre-scheduled reservation.

Section 2: Postponing Your Trip

A. If you are unable to embark on your trip due to the following circumstances and need to postpone your journey within 30 days before your departure from Singapore:

The occurrence of death, severe illness, or a significant injury affecting you, a family member, or your travel companion. However, this is applicable only if you purchased your policy at least three days before your departure, unless the event is purely accidental.
The imposition of travel restrictions by government authorities due to your infectious disease.
A sudden outbreak of a riot, strike, or civil commotion in Singapore or your planned destination.
Natural disasters striking either Singapore or your intended destination.
Substantial damage to your residence caused by a fire or natural calamity.
If your journey is significantly interrupted for a continuous period of at least 12 hours because the public transport you are using as a passenger has been hijacked.
If your flight is cancelled by the airline due to circumstances such as airport closure, runway closure, airspace closure, or adverse weather conditions that result in the grounding of the aircraft.

B. If you are unable to embark on your journey due to the circumstances mentioned below and are forced to reschedule your trip, and in case any of the following situations arise at any time before your scheduled departure:

In the event of flight cancellation by the airline due to airport, runway, or airspace closures, or adverse weather conditions leading to the grounding of aircraft.
If you find yourself summoned to court as a witness during your trip, an occurrence that you were unaware of when you acquired the policy.
Should you need to postpone your trip because you are a minor, and your guardian, who is your travel companion, has to cancel their trip due to one of the reasons detailed in A or B above.

C. Should you be compelled to reschedule your trip due to any of the reasons outlined in A or B above, the Insurer will only process your claim once you furnish them with written or documentary evidence confirming that your claim has been denied, declined, or partially settled by the transport or accommodation provider.

Failure to promptly notify the travel agent, tour operator, transport, or accommodation providers once you know the need to postpone your trip.
Incurred additional expenses resulting from upgrading to a higher class or category of transportation or accommodation compared to your original itinerary. For example, any supplementary costs associated with changing from a budget airline to a commercial airline.
Expenses that are prepaid or non-refundable and cannot be recovered.
Compensation claims for air miles, holiday points, membership rewards, or credit card redemptions used for partial or full payment of the trip.
Your decision not to proceed with your travel plans when an event described in A2 to A4 has not occurred.
Electing to postpone your travel due to the sickness or injury of a family member or travel companion, provided that it is not a serious illness or severe injury.
Claims arising from events that were already known or foreseeable.
Claims stemming from pre-existing medical conditions or any illnesses you were aware of, including conditions you, your family member, or your travel companion suffered. Please note that if you are covered under the Enhanced PreX Superior or Prestige plan, the exclusion for pre-existing medical conditions will not apply to you, but it will still be in effect for your family members and travel companions who are not covered under these plans.
Claims arising from flight cancellations due to airline-related issues such as aircrew scheduling changes, rescheduled flights, operational requirements, or mechanical breakdown of the aircraft for which you had a pre-booked flight.

Section 3: Shortening Your Trip

Aside from Section 2.B.3 and Section 2.C, this benefit also covers the following:

A. In the event that you need to cut your trip short and return to Singapore due to the following circumstances:

Death, severe illness, or significant injury affecting you, a family member, or your travel companion.
Authorities are preventing your further travel due to your contagious illness.
A sudden outbreak of riots, strikes, or civil commotion at your destination or planned travel location.
Natural disasters occurring at your current location or your intended destination.
Severe damage to your residence resulting from a fire or natural disaster.
A disruption to your trip lasting at least 12 consecutive hours due to the hijacking of public transportation in which you are a passenger.
Flight cancellation by the airline due to the closure of the airport, runway, or airspace, or adverse weather conditions resulting in the grounding of aircraft.

Besides Section 2, Excluded items 1, 2, 3, and 4. This benefit also excludes the following:

The part of the trip before you cut short your trip.
If you choose to cut short your trip because of sickness or injury to a family member or travelling companion that is not a serious sickness or serious injury.
Compensation for any air miles, holiday points, membership, or credit card redemption you use to pay for all or part of the trip.
Claims that result from any known event.
Claims that result from a pre-existing medical condition or any sickness you knew about, including conditions suffered by you, your family member, or your travelling companion. If you are insured under the Enhanced PreX Superior or Prestige plan, the preexisting medical condition exclusion will not apply to you, but will still apply to your family members and travelling companions who are not insured under the Enhanced PreX Superior or Prestige plan.
The cost of your unused portion of the original transport ticket back to Singapore, which you have already paid for.
Claims that result from flights being cancelled due to any fault on the part of the airline, such as aircrew rotation, rescheduled flights or operational requirements, or mechanical breakdown of the aeroplane in which you have a pre-booked flight.

Section 4: Trip Disruption

Aside from Sections 3.B and 3.C, this benefit also covers the following:

A. Trip Disruption Coverage Overseas

Serious Sickness or Injury: If you or your traveling companion experience a serious illness or injury, you must provide a medical report from a General Practitioner or other medical professional confirming the severity of the condition.
Riot, Strike, or Civil Commotion:Coverage applies in the event of sudden riots, strikes, or civil commotions at your destination or planned travel location.
Natural Disasters:Protection is provided if natural disasters occur at your destination or intended travel spot.
Flight Cancellation: Coverage includes situations where your flight is canceled by the airline due to airport closures, runway shutdowns, airspace closures, or adverse weather conditions leading to grounded airplanes.

Aside from Section 3, excluded items 1, 2, and 3, this benefit also excludes the following:

Failure to Notify Providers: Coverage does not extend to additional expenses resulting from delayed notification to travel agents, tour operators, or transportation and accommodation providers about your trip changes.
Prepaid Expenses: No coverage for non-refundable expenses, including unused transport, accommodations, local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, or concerts that you have already paid for.
Portion of Trip Before Changes: Expenses related to the portion of the trip before alterations are not covered.
Companion’s Non-Serious Sickness or Injury:Changes made due to your traveling companion’s sickness or injury, which is not classified as serious, are not covered.
Compensation Methods:Claims do not include compensation for air miles, holiday points, memberships, or credit card redemptions used to fund all or part of the trip.
Known Events:Claims resulting from events already known to you are not covered.
Preexisting Medical Conditions: Claims stemming from preexisting medical conditions, including those of you, your family members, or traveling companions, are not covered. Enhanced PreX Superior or Prestige plan holders are exempted, except for their uninsured family members or traveling companions.
Unused Portion of Transport Ticket: The cost of the unused segment of the original transport ticket back to Singapore, which has already been paid, is not covered.
Airline Operational Faults: Claims arising from airline faults like aircrew rotations, rescheduled flights, operational requirements, or mechanical breakdowns of pre-booked airplanes are not covered.

Section 5: Travel Delay

A. Trip Delay Due to Public Transport

Coverage is applicable if the public transport you’re scheduled to use during your trip is delayed for over six consecutive hours, and you are not the cause of the delay. Written proof, including the reason for the delay, must be obtained from the transport operator or their handling agent.

What is Not Covered:

Failure to Follow Itinerary: Claims do not apply if you fail to board public transport according to the specified time provided in the itinerary.
Known Delays: Claims resulting from delays known to you or the public at the time of purchasing this policy are not covered.
Late Check-Ins: Coverage does not extend to situations where you check in late at the airport, port, or station.

Section 6: Missed Connection

A. Coverage applies if you miss your travel connection due to a delay in the arrival of the scheduled public transport. This applies if you have a confirmed reservation and no alternative travel arrangement is made available to you within six hours of the scheduled departure of your onward travel connection. You must obtain written proof of your missed connection from the transport operator (flight, rail, coach, or ferry with a fixed itinerary) or their handling agents.

What is not covered:

Please read the General Exclusions listed i n Part 4 of the General Conditions .

Section 7: Overbooked Public Transport

A. Coverage applies if you are not allowed to board a form of public transport for which you have previously received confirmation, and this denial is due to overbooking. If no compensation or alternative transport is provided to you within six hours of the scheduled departure time, you must obtain written proof of being denied boarding from the transport operator of the public transport (whichever applies) or their handling agents.

Please refer to the General Exclusions listed i n Part 4 of the General Conditions .

Section 8: If The Travel Agency Becomes Insolvent

A. Coverage applies if you are forced to abandon your trip because the travel agency, transport provider, or tour operator ceases operations and cannot fulfill part or the entirety of your trip. To be eligible for this coverage, you must have purchased the policy at least three days before your scheduled departure.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or for loss or liability directly or indirectly caused by the following:

Unused Local Activities and Entertainment: Expenses for unused local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, concerts, and any other charges not related to transport and accommodation that are prepaid or non-refundable are not covered.
Compensation Using Reward Points or Memberships: Compensation for any air miles, holiday points, membership rewards, or credit card redemption used to pay for all or part of your trip is not covered under this policy.
Bankruptcy or Ceasing Operations Before Policy Purchase: If the travel agency, transport provider, or tour operator filed for bankruptcy or a similar petition or ceased operations before the policy was purchased, claims related to these events are not covered.
Claims arising from government regulations or control are not covered by this policy.

Section 9: Baggage Delay

A. If your checked-in baggage has been delayed, misdirected, or temporarily misplaced by any transport operator for more than six hours in a row while you are in Singapore or overseas, you are covered. To make a claim, you must obtain written proof from the transport operator or their handling agent stating the period of delay and the reason for the delay.

Any claims on the same baggage by more than one insured.
Any claims under 1A if the baggage was not received overseas.

1A. Coverage for Delayed Baggage Overseas:

If your baggage is delayed while overseas, the Policy will provide you with a cash benefit for every continuous six-hour period of delay. The calculation starts from the time you arrive at your final destination overseas until the moment you receive your baggage.

Section 10: Loss or Damage of Luggage and Personal Belongings

If your baggage or personal belongings are lost or damaged due to an accident or theft while overseas, the following conditions must be met for coverage:

Taking Precautions: You should have taken all reasonable precautions to secure your belongings and prevent loss or damage.
Reporting the Loss: Report the loss to local authorities, such as the police or relevant agencies (e.g., hotel, airline, or transport operator), within 24 hours of discovering the loss or damage. Provide the Insurer with a copy of the police report or a written document from the relevant authority detailing the loss or damage, along with all relevant receipts or proof of purchase.
Initial Claim with Service Provider: File any claims related to loss or damage to your baggage or personal belongings while in the custody and care of the transport or accommodation provider with the respective service provider initially.
Adjustment of Claim: The Insurer will adjust your claim based on the amount refunded to you by the transport or accommodation provider. Your claim will be processed only after you provide written or documentary evidence that your claim has been denied, rejected, or partially paid by the transport or accommodation provider.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following or for loss or liability directly or indirectly caused by the following:

Checked Baggage: Baggage separately checked in advance is not covered.
Wear and Tear: Claims related to wear and tear, including scratches, discolouration, stains, tears, or surface dents that do not affect an item’s functionality, as well as claims arising from atmospheric or climatic conditions, gradual deterioration, pests, insects, or damage during repair procedures, are not covered.
Confiscation: Items confiscated or held by customs or authorities are not covered.
Motor Vehicles: Claims for motor vehicles, including their accessories, are not covered.
Special Items: Claims for fragile items, antiques, artifacts, manuscripts, paintings, musical instruments, dentures, fur, contact lenses, or corneal lenses are not covered.
Perishables: Claims for fruits, perishables, consumables, and animals are not covered.
Information Loss: Claims for the loss of or restoration of lost or damaged information stored in tapes, cards, discs, or other storage devices are not covered.
Business Goods: Claims for business goods or equipment of any kind are not covered.
Valuables: Claims for money, securities, stamps, debit or credit cards, cash cards, Ez link cards, bonds, and coupons are not covered.
Travel Documents: Claims for identity cards, passports, travel passes, tickets, and travel documents are not covered.
Belongings: Claims for any item that does not belong to you are not covered.
Mysterious Disappearance: Unexplained and mysterious disappearance of your baggage or personal belongings is not covered.
Deliberate Acts: Claims resulting from your deliberate acts, failures to act, negligence, or carelessness are not covered.
Unattended Items: Claims resulting from your items being lost or damaged when left unattended in a public place, not in the custody of an authorised party (including transport and accommodation providers like airlines, trains, ferries, hotels, and resorts) are not covered.
Invited Guests: Claims resulting from deliberate acts of anyone you or your travelling companion invited to join you or your travelling companion at any time during your trip are not covered.

Section 11: Losing Money

A. Stolen Money Overseas

If your money is stolen from you while you are overseas, you must demonstrate that:

You have taken all possible steps and exercised care to ensure that your money is securely stored and not left unattended in a public place.
You have reported the loss to the police at the location where the loss occurred within 24 hours of discovering it. You must provide the Insurer with a copy of the police report, including details of the loss.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or loss or liability directly or indirectly caused by the following:

The Insurer will not be liable for any claims related to the loss of money while you are overseas if:

You fail to report the loss to the police or the relevant authority within 24 hours of discovering it.
You do not exercise due care and precautions to ensure the safekeeping of your money.
The loss is due to changes in exchange rates or the devaluation of currencies.
The money was not under your care and custody at the time of the loss.
The loss is unexplained or involves the mysterious disappearance of your money.
The claim arises from your deliberate actions, failures to act, negligence, or carelessness.
The claim results from deliberate acts by individuals you or your travelling companion invited to join you during your trip.

Section 12: Losing Travel Documents

A.If your passport or travel documents are accidentally lost or stolen while you are overseas, you must fulfill the following conditions:

You have taken all steps and observed due care to ensure that your passport and travel documents are secure and not left unattended in public places.
You have reported the loss to the police or the relevant authority where the loss occurred within 24 hours after discovering it.
Claims arising from the loss of your passport or travel documents while they are in the custody and care of the transport or accommodation provider should be directed to the service provider first.
The Insurer will adjust your claim amount based on any refund received from the transport or accommodation provider. The Insurer will process your claim only after you provide them with written or documentary evidence confirming the denial, rejection, or partial payment of your claim by the transport or accommodation provider.
Ticket Replacement: Expenses incurred in purchasing new air or train tickets to replace lost, stolen, or unusable tickets due to changes in travel dates are not covered.
Failure to Report Loss: Claims are not accepted if the loss is not reported to the police or relevant authorities within 24 hours of discovery.
Negligence in Safekeeping: The Insurer will not cover losses resulting from negligence in safeguarding your passport and travel documents.
Mysterious Disappearance: Coverage does not extend to the mysterious disappearance of your passport or travel documents.
Deliberate Actions and Negligence: Claims arising from your deliberate actions, negligence, or carelessness are not covered.
Unattended Items: Loss of items left unattended in public places, not in the custody of authorized parties like airlines, trains, ferries, hotels, or resorts, is not covered.
Acts of Invited Individuals: Claims resulting from deliberate acts committed by individuals invited by you or your traveling companion during the trip are excluded from coverage.

Section 13: Personal Accident

Personal Accident Cover: If you are involved in an accident during your trip that results in injury and leads to your death or permanent disability within 90 days from the accident date, the personal accident cover will be applicable.
Public Transport Double Cover for Accidental Death: In the event of an accident involving public transport while you are overseas and on board as a fare-paying passenger, if your death occurs solely due to this accident within 90 days from the date of the accident, the public transport double cover for accidental death will be applicable.
Sickness-Related Disabilities or Deaths: Disabilities or deaths caused by sickness are not covered. For example, claims will not be paid if the cause of death or permanent disability is a heart attack or a stroke that occurred during the trip.
Pre-existing Physical Disabilities: Any physical disability that existed before the trip is not eligible for coverage under this policy.
Pre-existing Medical Conditions: Claims arising from pre-existing medical conditions or any sickness that you were aware of before the trip are not covered by this policy.

Section 14: Overseas Medical Expense

A. Medical Treatment During Your Trip: If you unexpectedly suffer an injury or sickness during your trip and require medical treatment while overseas, the Insurer provides coverage. To process your claim, you must provide a written report of your medical condition from your medical practitioner, along with the original medical bills and receipts.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or loss or liability directly or indirectly caused by the following.

Planned or Prearranged Overseas Medical Treatment: The Insurer does not cover medical treatments that have been planned or prearranged in advance.
Dental Treatment for Tooth, Gum, or Oral Diseases: Claims for dental treatment resulting from tooth, gum, or oral diseases, or from the normal wearing of your teeth, are not covered.
Pre-existing Medical Conditions or Known Sickness: Claims resulting from pre-existing medical conditions or any sickness you were aware of before the trip are not covered, unless you are insured under an Enhanced PreX plan.
Enhanced PreX Plan Exclusions: For individuals insured under an Enhanced PreX plan, the first $100 for each visit for outpatient medical treatment related to pre-existing medical conditions or known sickness is not covered.
COVID-19 Vaccine Complications Abroad: Any expenses incurred for COVID-19 vaccine complications are not covered if the vaccine or vaccination is not administered in Singapore or not approved by the Singapore government authorities at the time of vaccination.

Section 15: Medical Expenses in Singapore

A. Post-Trip Medical Treatment in Singapore: If you suffer an injury or sickness during your overseas trip and require treatment upon your return to Singapore, the Insurer will cover your medical expenses. To process your claim, you need to provide a written report of your medical condition from your medical practitioner, along with the original medical bills and receipts.

Dental Treatment Exclusions: Claims for dental treatment due to teeth, gum, or oral diseases, or from the normal wearing of your teeth are not covered.
Pre-Existing Medical Conditions and Known Sickness: Claims resulting from a pre-existing medical condition or any sickness you were aware of before the trip are not covered.
COVID-19 and Vaccine Complications: Claims resulting from COVID-19 or complications related to the COVID-19 vaccine are not covered.

Section 16: Treatment by a Chinese Medicine Practitioner or a Chiropractor

Outpatient Treatment by Chinese Medical Practitioner or Chiropractor:

If you suffer an injury or sickness while on your overseas trip and require outpatient treatment by a Chinese Medical Practitioner or a Chiropractor, the policy covers these expenses.

Documentation Requirements: You must provide a written report of your medical condition from your Chinese Medical Practitioner or Chiropractor, along with original medical bills and receipts for the treatment received.

Claims for dental treatment due to tooth, gum, or oral diseases, or from the normal wearing of your teeth.
For outpatient treatment overseas:

a. Claims that arise from a preexisting medical condition are not covered unless you are insured under an Enhanced PreX plan.

b. For outpatient treatment in Singapore:

Claims that arise from COVID-19, COVID-19 vaccine complications, any pre-existing medical condition, or any sickness you knew about.

If you are insured under an Enhanced PreX plan, the first $100 for each visit for your overseas outpatient treatment arising from your pre-existing medical condition.

Section 17: Overseas Hospital Allowance

Overseas Inpatient Hospital Stay: If you have to stay in the hospital as an inpatient overseas, the policy covers the expenses related to your hospitalization. Please note that this benefit will end once you leave the overseas hospital.
Preexisting Medical Conditions: Claims resulting from a preexisting medical condition or any sickness you were aware of are not covered, unless you are insured under an Enhanced PreX Superior or Prestige plan.

Section 18: Emergency Medical Evacuation

A. If you are in a life-threatening condition due to an injury or sickness while overseas and our assistance company deems it medically necessary to transport you to the nearest medical facility for treatment (whether overseas or in Singapore).

B. If you need to return to Singapore for recuperation or continued treatment after being transferred to an overseas medical facility for treatment, as described in Section A above.

Claims resulting from services not arranged or approved by the Insurer or its duly appointed assistance company.
Claims that result from a pre-existing medical condition or any sickness you were aware of, unless you are insured under an Enhanced PreX plan.

Section 19: Sending You Home

A. If you pass away after suffering an injury or sickness while overseas.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or for loss or liability directly or indirectly caused by the following.

Claims resulting from services that were neither arranged nor approved by the Insurer or its duly appointed assistance company.
Claims arising from preexisting medical conditions, except for those covered under an Enhanced PreX plan.

Section 20: Compassionate Visit

A. If you sustain an injury or illness during your journey, requiring a hospital confinement overseas for a minimum of three full days, and your medical condition prevents your return to Singapore for treatment, with no adult family member accompanying you during your hospitalisation.

B. If you pass away due to injury or illness while overseas, and no adult family member is around to handle funeral preparations or make arrangements for the repatriation of your remains back home.

Claims arising from preexisting medical conditions or illnesses that you were aware of, except when you are covered under an Enhanced PreX Superior or Prestige plan.

Section 21: Kidnap and Hostage

A. If you are taken hostage due to a kidnapping incident lasting for a continuous 24-hour period while you are abroad. To make a claim, you must provide substantiating evidence that the event occurred, and the insurer requires prompt notification and ongoing updates regarding the situation. You must report the kidnapping to the relevant law enforcement authority within 24 hours once you can contact them.

Claims arising from your involvement in aiding others to commit a crime or your own criminal actions.
Claims originating in your country of residence, Central or South American countries, African countries, or any nation where United Nations armed forces are currently deployed and engaged in active operations.

Section 22: Emergency Phone Charges

A. If you must contact the Insurer’s assistance company in the event of a medical emergency for which you have filed a claim that falls under Sections 13, 14, 16, 18, or 19, and which the Insurer will reimburse.

Claims stemming from pre-existing medical conditions or illnesses you were aware of, except if you are covered under an Enhanced PreX plan.

Section 23: Home Cover

A. If your home contents are lost or damaged due to a fire while your home in Singapore is unoccupied during your trip.

Wear and Tear, Cleaning, and Gradual Damage:Claims related to wear and tear, loss in value, or gradual damage over time, including cleaning or dyeing of items, are not covered. This also includes damage due to light, atmospheric conditions, moths, insects, or vermin.
Damage from Repairs or Restoration: Claims arising from damages caused by repair or restoration activities are excluded.
Deliberate Acts and Criminal Involvement: NTUC Income Travel Insurance won’t cover claims resulting from deliberate acts or if you’ve assisted someone in committing a crime.
Government Actions: Claims for losses due to government authorities confiscating, seizing, or unlawfully occupying your property, vehicle, or premises are not included.
Electrical or Mechanical Breakdown: Damages due to electrical or mechanical breakdowns are not covered.
Theft During or After a Fire: Claims related to theft during or after a fire incident are not eligible.
Indirect Losses: NTUC Income Travel Insurance does not cover indirect losses of any nature.
Business or Professional Equipment: Claims for the loss of business or professional use items such as photographic equipment, sports gear, and musical instruments are excluded.
Loss of Vehicles and Accessories: Loss or damage to motor vehicles, boats, bicycles, or their equipment and accessories is not covered.
Reporting Timeframe: Claims must be reported to the police or relevant authorities within 24 hours of discovering the loss. Failure to do so may result in non-coverage.
Tenant’s Property and Home Contents: Loss or damage to a tenant’s property or home contents that you don’t own are not covered.
Data and Information Loss: NTUC Income Travel Insurance does not cover the loss of data or expenses incurred in restoring lost or damaged information stored on tapes, cards, discs, or other storage devices.

Section 24: Personal Liability

A. If you are held liable for unintentionally:

Injuring someone while abroad; or
Damaging or causing loss to someone’s property while abroad.
Any claim due to your deliberate, malicious, unlawful act or neglect.
Any claim for loss or damage to property in your custody or ownership
Any claim resulting from legal services the insurer has not authorised in advance.
Any legal responsibility, injury, loss, or damage to your family member or employee.
Any legal responsibility that results from you owning or using weapons, animals, vehicles, aircraft, or watercraft.
Any legal responsibility that results from or is connected to your trade, business, or profession.
Any legal responsibility that you have under a contract.
Any court judgment which is not delivered by a court within Singapore.
Any court judgment which is being appealed by you or on your behalf.
Any liability resulting from passing on a communicable disease to others.
Any liability that results from your abuse of controlled drugs.
Any liability that results when you are under the influence of drugs or alcohol.
Any liability resulting from riding or racing in races or rallies.
Any liability that is caused by your involvement in polluting or harming the environment.
Any claim for punitive, aggravated, or exemplary damages (damages aimed at punishing you or making an example of you).

Section 25: Rental Vehicle Excess Cover

A. If there is a loss or damage to your rental vehicle due to an accident during your trip, you must provide the following evidence:

Proof of Rental Vehicle:

To qualify for coverage related to a rental vehicle, you need to provide proof that the vehicle was rented from a licensed rental agency and that you were either a named driver or co-driver. The essential documents you need include:

Vehicle Rental Agreement: A copy of the rental agreement is a must. It clearly indicates your association with the vehicle, specifying your role as a named driver or co-driver.
Payment Receipts: Present receipts demonstrating payment of the rental excess or deductible. This financial record is crucial and showcases your financial responsibility concerning the rental.
Accident or Damage Reports: Any reports related to the accident or the lost or damaged rental vehicle are essential. These reports provide crucial details about the incident, helping validate your claim.
Comprehensive Motor Insurance:

Another critical aspect is having comprehensive motor insurance in place when you rent a vehicle. Ensure that this policy covers the loss or damage to the vehicle throughout the entire rental period. This means that your insurance coverage must align with the rental duration and include provisions for potential accidents or damages.

Custody and Control: The Policy does not cover any loss or damage to the rental vehicle that occurs when the vehicle is not under your direct custody and control. It’s crucial to ensure the vehicle is in your possession to qualify for coverage.
Time and Rental Period: Claims related to loss or damage to the vehicle outside the rental period or beyond the coverage period specified in the insurance policy will not be considered. The incident must occur within the designated rental period for eligibility.
Violations and Legal Compliance: The Policy will not cover claims resulting from violations of the vehicle rental agreement or the laws, rules, and regulations of the country where the vehicle is rented or driven. Adhering to legal requirements and rental terms is essential for coverage.
License and Activities: Claims for loss or damage to the vehicle will not be accepted if, at the time of the accident, you were not licensed to drive the vehicle. Additionally, engaging in speed or time trials of any kind, whether participating or practicing, renders the claim ineligible.
Wear and Tear, Gradual Deterioration, and Repair Damage: Loss or damage arising from wear and tear, gradual deterioration, or damage incurred during any repair process is not covered. The insurance policy does not extend to damages resulting from these natural or repair-related processes.

Section 26: Full Terrorism Cover

A. If any of the losses covered under Sections 1 to 25 are related to an act of terrorism, the Insurer will cover for the loss, subject to certain limits as specified in Section 26 of your plan, as outlined in the table of cover.

In addition to the General Exclusions detailed in Part 4 of the General Conditions, the Insurer will also not provide coverage for the conditions specified in sections 1 to 25.

Section 27a: COVID-19 cover extension (For sections 1 to 25 except section 15)

A. If any of the losses covered under Sections 1 to 25 (except Section 15) occur due to you, your travelling companion, or your family member (where applicable) testing positive for and suffering from COVID-19, it is mandatory to comply with all vaccination, pre-departure tests, and post-arrival test requirements (if any) mandated by the destination country or transport operator at the time of the trip.

While you are not required to submit the test result or proof of vaccination at the time of purchase, it must be provided when submitting a claim under this section. Additionally, you must ensure that all the conditions specified in the relevant section of your plan are adhered to. For example, under Section 1: Cancelling your trip, COVID-19 must still lead to a serious sickness to be eligible for coverage.

Coverage for any expenses incurred for mandatory COVID-19 diagnostic tests that you are required to undergo for the trip, including tests like Antigen Rapid Test (ART), Polymerase Chain Reaction (PCR) test, rostered routine tests, pre-departure tests, and post-arrival tests is excluded.
Exclusions apply to any claims arising from border closures, government advisories against travelling, or your personal decision to travel.
Claims resulting from a COVID-19 diagnosis or possible exposure that you were aware of at the time of purchasing this policy or planning your trip are not covered.

Section 27b: Overseas quarantine allowance due to COVID-19

A. If you are diagnosed with COVID-19 by an approved test provider or a medical practitioner during your trip and are subsequently placed under mandatory quarantine in a quarantine facility overseas, the following conditions must be met:

You are required to fulfil all vaccination, pre-departure tests, and post-arrival test requirements, if any, imposed by the destination country or transport operator at the time of your trip.

While it is unnecessary to provide the test result or proof of vaccination at the time of policy purchase, you must furnish these documents when submitting a claim under this section.

You must provide written confirmation from local authorities regarding the nature and details of your quarantine.

Any expenses related to mandatory COVID-19 diagnostic tests required for the trip, such as Antigen Rapid Tests (ART), Polymerase Chain Reaction (PCR) tests, routine tests, pre-departure tests, and post-arrival tests.
Claims arising from border closures, government advisories against travelling, or your personal choice not to travel.
Claims where the quarantine period falls outside the originally scheduled trip duration unless your policy is automatically extended as per general condition 2.
Claims when quarantine orders are mandated by local authorities for all travelers arriving in the country or for travelers from a specific country or region.
Claims related to COVID-19 diagnosis or possible exposure that you were already aware of when purchasing this policy or booking your trip.
Additional costs incurred during quarantine.
Claims if you stay in a residence that belongs to you, your friends, family members, or anyone related to you.
Claims incurred during the quarantine period if the Insurer paid for your accommodation expenses under Section 4, or paid under Sections 14 or 17 for the same event.

NTUC Income Travel Insurance Claims Process

To submit a claim with NTUC Income you have 2 options:

You can dial their Customer Service Hotline at (65) 6788 6616 or their Emergency Assistance number at (65) 6338 1222
Visit their official website to log in to NTUC Income Tr avel Online Portal and follow a d etailed guide of instructions.

Please take note of the following:

Claims must be filed within 30 days of the insured incident.
Ensure al l necessary documents an d information are submitted with your claims.
Typically, it takes 10 working days to process your claims once all required documents are received. However, processing times may take longer during peak travel periods.

Other things to note about NTUC Income

NTUC Income has a strong reputation as an excellent financial service provider and has won numerous industry awards, including the Singapore Digital Experience of the Year – Financial Services in 2022 and the Best Insurance Technology Solution at the 2023 Singapore Business Review Technology Excellence Awards.

NTUC Income’s commitment to transparency and customer satisfaction is evident in the sufficiency of information about its travel insurance plans on its website, with each benefit limit amount for each benefit category laid out in great detail.

This makes it easy for customers to compare NTUC Incomes’ plans to those of other insurers and choose the one that best meets their needs.

It is also a sign that NTUC Income is confident in its products and services and is committed to providing its customers with the best possible experience.

My Review of NTUC Income’s Travel Insurance

In this section, the insurers that we’re comparing NTUC Income against are:

AIG Travel Guard Direct
AIA Around the World Plus (II)
Allianz Travel Bronze
Klook TravelCare
MSIG TravelEasy
NTUC Income Travel Insurance
Sompo Travel (COVID-19) Insurance
Singlife Travel Insurance
Etiqa TIQ Travel Insurance (with COVID-19 cover)

We also took only some of the more notable benefits for comparison.

The comparison will be based on coverage for an individual travelling to Thailand for one week, using the lowest-tiered plan offered by all insurers.

Also, we will include an add-on for COVID-19 benefits.

When we look at the benefit you get for the cost, NTUC Income Travel Insurance is somewhere in the middle for single trips. In short, it’s pretty average.

The one standout feature is that it offers the highest amount of money for overseas travel delay, up to $1,000, more than most other insurers provide.

It also has one of the highest benefit limits for overseas medical expenses and baggage loss or damage.

Your best option might be to keep an eye out for promo codes on their website.

They offer these codes every now and then, which can help lower the total price of your premium.

This way, you can get more value for your money with their travel insurance plans.

Now, let’s compare the insurers that offer annual trip coverage. (We’re leaving out Sompo Travel Insurance because they don’t provide insurance for yearly trips.)

We’re looking at what they offer for someone travelling to Thailand once a year, focusing on the cheapest plans from all the insurers.

Now, when it comes to yearly trips, things change quite a bit.

In this scenario, NTUC Income secures the 6th spot out of 8 in terms of value for your money. They offer the 6th best benefits for the lowest premium.

They may not be the cheapest, but it’s worth noting that NTUC Income still offers one of the highest benefit limits for overseas medical expenses and baggage delays.

And remember, if NTUC Income happens to release any promo codes that can help you save even more, make sure to use them when you’re making your purchase.

Overall, NTUC Income Travel Insurance plans are a practical choice for your upcoming trips.

They cover the essentials, from medical protection to handling travel issues.

What sets NTUC Income apart?

First, they offer good value-for-money plans, even for annual trips. This means you can get comprehensive coverage at reasonable prices, which is great for frequent travelers.

And they have 2 different plan options (Standard and Enhanced PreX), each with 3 different tiers to suit your travel needs.

You can also buy their insurance up to 6 months before your trip, giving you plenty of time to decide.

Moreover, NTUC Income stands out with its coverage for pre-existing medical conditions (under the Enhanced PreX Plans). This is a significant advantage for travelers with existing health issues.

But if you’re looking for the cheapest insurance, their premiums might not be the lowest.

Their medical coverage, while good, might not be as extensive as some competitors like Singlife Travel Insurance or MSIG TravelEasy.

Remember, there’s no one-size-fits-all solution for travel insurance. It’s a good idea to do some research online and consider your specific travel circumstances before making a decision. Your choice should match your needs and priorities to ensure a worry-free trip.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors.

Key Features of the NTUC Income’s Travel Insurance Plan

Eligibility.

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11 Best Annual Travel Insurance from $270 You Can Buy Online (2022)

“ Annual travel insurance ? Isn’t that for frequent flyers, like those investment bankers and C-level executives?” you ask. Actually, I’d argue that it’s something that’s very worthwhile for many regular Singaporeans to buy.

We’re always whining about how we have no time to travel, we’re so burnt out from this rat race, life in Singapore is so boring, blah blah. But the fact is that Singaporeans are an extremely privileged bunch. According to stats, the national travel average is 5.2 times a year.

That makes us one of the most well-travelled nations in the world, side by side with those tall, handsome Scandinavians who are absolutely swimming in money and annual leave days. Well, then Miss Rona happened and turned our lives upside down.

After two years of living in a pandemic, the borders are finally opening up and if you’re packing those luggages for multiple trips in the coming year to finally quench your thirst for wanderlust, buying annual travel insurance will save you money and it’ll also save you the mad scramble of buying insurance online just moments before your plane takes off.

Best Travel Insurance Plans
I’m travelling to multiple countries – Buy Annual or Single?
Is Annual Travel Insurance cheaper than Single Trip?
Annual Travel Insurance is more convenient
Does Annual Travel Insurance have higher coverage?
How to choose Annual Travel Insurance?

1. Best Annual Travel Insurance Plans

“But I’m so busy travelling! Where got time to compare all the different annual travel insurance plans?” you wail.

Luckily for you, I’m paid to do just that. Here are the most affordable annual travel insurance plans that you can. After reviewing some 20 insurance providers in Singapore, I’ve shortlisted the best annual travel insurance plans for the average Singaporean traveller. A point to note: not all of the annual travel insurance plans include Covid-19 benefits.

2. Travelling to Multiple Countries – Buy Annual or Single Trip?

Regardless of how many countries you visit, it will still be considered a “single trip” as long as you’re leaving Singapore and returning to Singapore only once. When buying travel insurance, you’ll usually be asked to indicate a single country.

Which country should you indicate?

Select the country where you’ll be staying the longest
Indicate the furthest country you’ll be visiting
Find out your insurance company’s country list
Find out which countries travel insurance doesn’t cover
Are you going to be travelling regularly?

This makes sense because you’ll want to be covered at least in the country where you’re spending the most time.

If you’re going to be spending a week or more in Japan, for example, but also dropping by Bangkok or Hong Kong for a day to visit friends, you’ll still want to indicate that you’re buying travel insurance for Japan .

But what if you’re going to be spending most of your travel in KL, but making a short trip to Shanghai for a day meeting?

If you’re only going to be spending a day in China, and a month in Malaysia in the same trip, it might make sense at first to buy insurance for the whole month of travel, and indicate Malaysia as your destination country. This reduces your premiums significantly, since indicating China would mean you’d be paying more for coverage you don’t need.

However, if you can afford to spend a bit more, then it would be good to indicate the furthest country you’re visiting. After all, the last thing you want is for you to lose your baggage on that one day you’re in China, and then find out you’re not covered because you decided to save a few dollars.

3. Is Annual Trip Cheaper than Single Trip?

If you’re travelling so often that the pages of your passport looks like the scribblings of a child’s colouring book, it’s a given that buying annual travel insurance is cheaper in the long run.

For a simple comparison, one of the cheapest annual travel insurance plan with worldwide coverage from FWD costs you about $345 a year .

This may seem like a hefty amount at first, but consider this: a single-trip travel insurance plan will cost about $76 a week in the United States too.

That means buying single-trip insurance for 3 or 4 overseas trips in a year can cost you the same as an unlimited number of trips on an annual insurance plan.

Do note that the cost of yearly travel insurance depends mainly on the furthest country you’re planning to visit that year.

Naturally, restricting your coverage to countries in Asia, for example, would be cheaper that having coverage worldwide. This means that if you do have to travel outside Asia, you will need to think about buying a single-trip policy, which will not only add on to your costs, but also means adding on to your concerns before you travel.

4. Annual Travel Insurance is more convenient

Most annual travel insurance plans on the market today are for unlimited trips within a year-long timeframe, as long as each trip does not exceed 90 days .

This means, with an annual travel insurance plan, you can travel at any time without the hassle of finding the cheapest travel insurance each time you plan to leave the country.

5. Does Annual Travel Insurance have higher coverage?

Considering that an annual travel insurance policy covers you globally, you are covered wherever you travel to within this time frame.

However, once you drill down into the specific benefits for each travel inconvenience or emergency, an annual travel insurance technically does NOT provide more coverage than single-trip.

Let’s use NTUC Income’s travel insurance plan as an example. Here are the claim limits for the single and annual plans respectively:

It’s also important to note that you check for Covid-19 coverage before you purchase your annual travel insurance. While most insurance plans now include Covid-19 coverage, there are others that require you to purchase it as an add-on.

6. How To Choose Annual Travel Insurance?

There are a few factors you should consider before you take the plunge. Annual travel insurance is, after all, a year-long commitment and you can’t switch providers midway just because you buay song .

Here are some basics to know before you click “buy”.

Worldwide coverage: Always choose worldwide coverage so you’re not limited to specific regions when you travel. Even if you don’t have anything planned yet, you just never know where 2023 will take you.

Individual vs group plans: Generally annual travel insurance is a personal decision, but do note that some insurance providers give you better rates if you buy as a couple. (You don’t necessarily have to travel together.)

Basic vs upper-tier plan: With travel insurance, you don’t want to be too giam and just stick to the cheapest plan offered by the provider. Instead, consider both basic and mid-tier plans for the best mix of affordability and coverage.

Medical & emergency coverage: You might end up travelling to expensive countries, so make sure to buffer against high healthcare costs. Go for overseas medical expense limits of at least $300,000 if possible, and at least $1 million for emergency evacuation.

Covid-19 coverage: While most single-trip insurance policies have expanded to offer Covid-19 benefits, the same cannot be said for the annual policies. Given that you’re paying for an entire year worth of coverage, do your due diligence in checking if the annual policy offers Covid-19 coverage.

Travel inconvenience coverage: You can get away with lower coverage for travel delays and such with single trip insurance, like if you’re going to Bali where the tourist infrastructure is strong and accommodation is plentiful. But you wouldn’t want to have to sleep at the airport in the US just because you can’t get enough compensation for a travel delay. So, pick only annual travel insurance with good coverage for travel inconvenience.

Adventure activities: Unlike single-trip plans where you can choose a plan that specifically covers such activities, your annual plan needs to cover anything you might end up doing in the course of the year. Even if you’re not very outdoorsy, your colleagues might talk you into learning to dive with them. You never know. So it’s best to be as unrestrictive as possible.

Comfort level: Finally, don’t commit to an annual travel insurance plan unless you’re REALLY comfortable with the policy wording, the claims process and the reputation of the brand (both for rendering emergency assistance and for settling claims).

Still shopping for a travel insurance? Compare all best Covid travel insurance here.

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

Annual Travel Insurance Plan Singapore – Why Buy It & When Is It Cheaper?

Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Travel Insurance

Up to 55% off, get the best covid-19 cover for your journey, top 5 tips for buying travel insurance , annual policies: for more than 5 trips a year .

Buy policies without special conditions

Split out your bags max out cover

Get pre-existing cover if needed

Buy COVID-19/ specialist cover

Do you need travel insurance.

Travelling under the new normal has become a bit more uncertain since most countries now require COVID tests and treatment or hospitalization might follow if the result is positive. So Yes you need a comprehensive traval policy, and also be clear on what it covers.

Remember that your children and elderly parents should also be covered by Travel Insurance because one of the most important benefit of Travel Insurance is the medical coverage and emergency repatriation. Emergency repatriation may not be covered by many hospitalization plans and it is costly to arrange it yourself.

Most people don't realise that their employer's Travel Insurance policy does not cover personal trips. So before you travel, make sure that you check that your employer's Travel Insurance covers you for your overseas holidays too. Otherwise, you should purchase specific Travel Insurance covering the period of your holiday.

Equally important are the benefits that you get if your baggage is delayed, or if your trip was cancelled.

Top 5 Travel Insurance Tips!

1. Single or Annual Travel Insurance policy?

Save money by purchasing an annual policy if you travel six to nine times a year. Otherwise single trip policies would give you better value for money.

2. Buy "standalone" Travel Insurance

Travel Insurance that is bought when you purchase your airline ticket may have special conditions that require you to only take their airlines for transportation. This is not a situation that you would want during an emergency.

3. Split out the baggages

Check-in staff sometimes check-in all luggages under one name in the group for convenience. If you are travelling in a big group and everyone has their own Travel Insurance, remember to split out the luggages and tag them under each person. If you make a claim, you claim for the luggage under your name, maximising the total cover within the group.

4. Does Travel Insurance cover pre-existing conditions?

Unless the cover specifically says that it covers pre-existing conditions, assume that it does not. So if you are aware of any conditions that may cause an issue during travel, best to buy cover that includes pre-existing conditions. This will be clearly highlighted when we show you the side-by-side comparison of products.

5. Some Travel Insurance policies have special benefits.

On top of the most-concerned COVID-19 cover, there may be additional benefits that are trip specific and you should consider these when making your purchase. For example:

If you are planning to play sports, you should get a policy with good medical coverage.
If you are pregnant, you may want to buy a policy that explicitly provides coverage for pregnant women.
If you are planning to go hiking at high altitudes, make sure that the policy covers you for the highest altitude you intend to go.

Planning to go outlet shopping? If you intend to buy many expensive items on your trip, you may want to consider a policy with a higher baggage claim limit.

Referral Programme

Travel Insurance is also eligible for the Refer a Friend programme. Refer your friends and family for Travel Insurance and get DIY$10 for each referral.

DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here .

How to refer: Simply ask your friend to select "Referral" during the application process and key in your email address or referral code when they apply for Travel Insurance here

* Only applicable if your friend has not bought any insurance policy through InsureDIY before. Minimum $40 spend.

How do you find the most suitable Travel Insurance?

NTUC Income, MSIG, Sompo, Tokio Marine and more...

The top 5 products are shown side-by-side for easy comparison.

The key categories of benefits: overseas medical treatment and emergency repatriation; loss or delay of baggage and delay or cancellation of trip are available across all plans. However, the claim limits may differ.

Key features are highlighted in our comparison tables for your convenience!

MSIG Travel Insurance

Best all round cover + enhanced with COVID-19 Cover. Great combination of high medical cover, trip cancellation & postponement cover, travel inconvenience cover and amateur sports cover.

Income Travel Insurance

Standard Plans

Travellers can enjoy COVID-19 benefits for medical expenses, travel inconveniences and overseas quarantine allowances for the first 90 days of each trip under a Standard Plan policy.

Liberty Travel Insurance

TourCare Plus

Very decent standard plan with key benefits on medical cover, travel inconveniences and overseas quarantine allowance extended to cover COVID-19.

Sompo Travel Insurance

Travel (COVID-19) Insurance

Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19.

Tokio Marine Travel Insurance

TM Xplora Plus

Covers trekking to the highest altitude of 4,500m above sea level. Also has the highest baggage & travel delay covers! Quarantine allowance is extended to cover COVID-19.

The above table is for illustration only, click "Get A Quote" to see the latest products, quotes and discounts.

Here are some common questions about Travel Insurance

1. Can I get a refund if I wish to cancel my Travel Insurance?

We can only cancel your application if the policy has not been issued. Once the policy is issued, there is no refund of premium should you terminate a single trip policy. You may be able to obtain a small refund for an annual policy if you cancel the policy early during the policy period without having made any claims.

2. Should I buy a family cover?

The price of a family cover will be cheaper than buying Travel Insurance for each person separately. However, some benefits limits may be lower.

3. What should the start and end date of my Travel Insurance policy be?

The start date should include the date that you plan to travel out of Singapore. The end date will be the date that you land in Singapore. This may not be the same date that you fly out of the country that you are visiting.

4. If I intend to visit several countries, what should I select as my destination country?

Simply select the country that is furthest away from Singapore.

5. I am not based in Singapore. Can I purchase Travel Insurance here?

The Travel Insurance available here are for travellers who are resident in Singapore and intend to leave and return to Singapore. If you are departing from Malaysia or Hong Kong, you may wish to visit InsureDIY Malaysia or InsureDIY Hong Kong for Travel Insurance policies.

InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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International Cooperative and Mutual Insurance Federation

NTUC Income enhances travel insurance cover to include COVID-19 for overseas travel

1 December 2020

Customers who purchase travel insurance from ICMIF member NTUC Income (Income , Singapore ) will now enjoy COVID-19 coverage for medical-related expenses while overseas following the announcement last week from Income that it is enhanc ing its travel insurance offerings in response to the gradual lifting of border restrictions in Singapore and other parts of the world.

With this enhancement, Income says it will protect travellers covered by its single trip travel insurance for 90 days for COVID-19 related hospitalisation expenses of up to US D 100,000 while overseas, as well as, costs incurred for medical evacuation or repatriation of up to US D 100,000, if it becomes necessary. These COVID-19 benefits are automatically included in single trip plans purchased from 26 Nov ember 2020, including plans that cover for pre-existing conditions, and for travel dates starting from that date also .

However, these COVID-19 benefits will be excluded from travel insurance for trips to countries that the World Health Organisation deems as high-risk for COVID-19 at the point of purchase.

Fabian Ng, Income’s General Manager for Consumer Business said, “While overseas travel in general continues to be restricted, we understand that there are some who will need to travel for necessary business-related and other essential matters. As such, we have added new benefits to our travel insurance plans to cover for COVID-19-related medical emergencies so that our customers can travel with greater peace of mind when the need arises. Nevertheless, we urge everyone to take all necessary precautions when planning your travels as there are countries that are seeing a resurgence in COVID-19 cases, or are still experiencing high number of infections.”

Policyholders with existing annual travel insurance plans from Income can contact Income to find out about getting covered by the abovementioned COVID-19 benefits for upcoming travel.

To find out more about Income’s travel insurance plans, visit https://www.income.com.sg/travel-in s urance .

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For member-only strategic content on the cooperative/mutual insurance sector, ICMIF members have exclusive access to a range of online resources through the ICMIF Knowledge Hub .

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NTUC Income Travel Insurance review: Covid-19 coverage, pre-existing conditions, premiums

Asia One · 2023-12-14 12:10

What do you think of when you hear the acronym "NTUC"? The FairPrice supermarket, of course, said every self-respecting auntie ever. But frequent travellers might also think of NTUC Income's popular travel insurance plan since they are one of Singapore's biggest travel insurance providers.

However, NTUC Income travel insurance plans also have a reputation for being expensive. Some internet users have also complained that it is difficult to make claims.

Are these rumours true? Let's find out once and for all.

1. NTUC travel insurance summary

NTUC Income has two travel insurance plans:

NTUC Travel Insurance Standard

NTUC Income Enhanced PreX (covers pre-existing medical conditions)

Each travel insurance plan is then further sub-divided into three plan tiers which provide different amounts of coverage:

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

The premiums you will pay for your travel insurance plan largely depend on the country you’re travelling to. Usually, the further your country of destination, the more expensive your travel insurance plan will be. Here are the countries that are covered by NTUC travel insurance:

Asean: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam

Asia: Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN

Worldwide: All countries

Countries not covered: Afghanistan, Iraq, Liberia, Sudan, Syria

2. NTUC travel insurance coverage

Here’s a quick look at the premiums and coverage for the NTUC Travel Insurance Standard plans:

NTUC Travel Insurance Classic Deluxe Preferred

Price (Asean) $61/week $75/week $98/week

Price (Asia) $70/week $88/week $122/week

Price (Worldwide) $137/week $156/week $195/week

Overseas medical expenses $250,000 $500,000 $1,000,000

Emergency medical evacuation $500,000 Unlimited Unlimited

Personal accident (death, TPD) $150,000 $200,000 $500,000

Travel delay ($100/6 hours) $1,000 $1,500 $2,000

Trip cancellation $5,000 $10,000 $15,000

Baggage delay ($200/6 hours) $1,000 $1,200 $2,000

Baggage loss $3,000 $5,000 $8,000

Sports & Adventure Some (Scuba diving, hiking, skiing covered)

Covid-19 Yes

At $250,000 to $1,000,000, NTUC travel insurance's overseas medical coverage is generous compared to some of its competitors such as Sompo Travel Insurance's $200,000 to $400,000 overseas medical limit.

However, do note that emergency medical evacuation shares the same overseas medical expense claim limit for adults aged 70 and over — which may not be sufficient if you are in that age range, run into an adverse medical situation abroad, and require both immediate treatment and a medical flight home to Singapore. If medical coverage is important to you, FWD Travel Insurance offers unlimited medical evacuation and repatriation coverage.

One great advantage of NTUC Income's travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For instance, Great Eastern is offering $2,000 to $15,000, while AIG offers $2,500 to $15,000.

3. NTUC travel insurance pre-existing conditions

NTUC Income is one of the few insurers in Singapore that provide comprehensive travel insurance plans that cover pre-existing medical conditions, such as asthma, eczema, diabetes, high blood pressure, even heart disease. The other two that cover pre-existing conditions are MSIG travel insurance and Etiqa travel insurance.

The most obvious difference between a Pre-Ex travel insurance plan and a regular travel insurance plan is, of course, price. The cheapest NTUC PreX plan costs over twice the price of a regular NTUC travel insurance plan!

For those who have major health problems, you don't have much of a choice. There's no point buying a cheap normal insurance with no coverage for you at all because you definitely will not be able to claim medical expenses, evacuation costs or travel delays linked to a flare-up of your condition.

It is especially worth the money if your condition is either life-threatening or very expensive to treat overseas.

However, if you have a condition that's pure suffering not immediately life-threatening, such as eczema, then it is your choice whether you want to spend more on Pre-Ex travel insurance for better coverage.

It's important to look at the coverage limits if you're seriously considering pre-existing travel insurance. Why? If you're travelling to somewhere with really expensive healthcare, like Europe or the US, you might want to upgrade to the Enhanced PreX Prestige plan.

NTUC Enhanced PreX travel insurance premiums and coverage:

NTUC Enhanced PreX Travel Insurance Basic PreX Superior PreX Prestige PreX

Price (ASEAN) $102/week $128/week $149/week

Price (Asia) $121/week $156/week $183/week

Price (Worldwide) $194/week $240/week $277/week

Overseas medical expenses $500,000 $500,000 $1,000,000

Emergency medical evacuation Unlimited Unlimited Unlimited

Personal accident (death, TPD) $200,000 $200,000 $500,000

Travel delay ($100/6 hours) $1,500 $1,500 $2,000

Trip cancellation $10,000 $10,000 $15,000

Trip postponement $1,000 $1,000 $2,000

Baggage delay ($200/6 hours) $1,200 $1,200 $2,000

Baggage loss $5,000 $5,000 $8,000

Sports & Adventure Limited (scuba diving, hiking, skiing covered)

Is NTUC's travel insurance for pre-existing medical conditions any good? For one, NTUC PreX travel insurance covers Covid-19 while MSIG Pre-Ex and Etiqa Pre-Ex don't cover you for Covid-19. So, if you want both pre-existing medical conditions and Covid-19 coverage in your travel insurance, NTUC Enhanced PreX is your only choice.

Even though NTUC Pre-Ex travel insurance offers you Covid-19 coverage, the downside is that they've lowered the medical benefits you get if you're aged 70 and above.

For example, for those aged 70 and above NTUC PreX's overseas medical and emergency medical evacuation coverage share a total claim limit of $500,000 for its basic plan tier (as opposed to up to $250,000 in overseas medical expenses and $500,000 in medical evacuation coverage for under 70s).

By comparison, MSIG Pre-Ex basic offers $250,000 / $50,000 medical (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Etiqa Pre-Ex basic offers $200,000 medical and $1,000,000 evacuation and repatriation of mortal remains.

Otherwise, NTUC PreX's miscellaneous trip cancellation and baggage delay benefits are pretty good.

4. NTUC travel insurance Covid-19 coverage

Whether you buy an NTUC Travel Insurance Standard or an NTUC Enhanced PreX Travel Insurance plan, you'll be relieved to know that all NTUC travel insurance plans automatically come with Covid-19 coverage.

You won't find the Covid-19 coverage table in the usual NTUC travel insurance policy wording. Instead, there's a separate NTUC travel insurance Covid-19 policy wording document that you should refer to.

NTUC travel insurance's Covid-19 coverage and benefits:

NTUC Travel Insurance Covid Coverage (covers PreX)

Trip cancellation $2,000

Trip postponement $2,000

Trip shortening $2,000

Trip disruption $1,000

Medical expenses overseas $150,000

Emergency medical evacuation $150,000

Overseas quarantine allowance ($100/day) $1,400

Few of us really scrutinise the individual coverage limits on our travel insurance, trusting that they do cover the bare essentials.

The good news is that NTUC travel insurance's Covid-19 extension is simple, and adequate. Take Covid-19 overseas medical coverage for example, NTUC offers $150,000 while MSIG' basic plan offers $75,000. Then, there's overseas Covid-19 quarantine cash allowance, which NTUC gives $100 per day, up to $1,400, but Etiqa's basic plan offers $100 per day, up to $500 only.

5. NTUC travel insurance: Extreme sports

Since our last review in July 2022, NTUC has updated its Travel Insurance policy to include more common vacation activities like scuba diving and skiing.

Nevertheless, extreme thrill seekers may want to go for a more lenient insurance provider such as Direct Asia travel insurance, which properly covers extreme sports and martial arts.

Extreme Sports & Outdoor Adventure NTUC Travel Insurance

Hot air balloon Not stated

Scuba diving Yes (up to 30m)

Skiing and other ice/snow sports Yes

Hiking or trekking Yes (up to 4,000m)

Mountaineering or outdoor rock climbing No (but man-made walls are ok)

Marathons and other competitions Yes

Jet skiing Not stated

White water rafting Yes

Skydiving Yes

Paragliding, hang gliding or parachuting Yes

Bungee jumping Yes

To be honest, NTUC Travel Insurance is adequate if you're looking to snorkel or join a guided tour group with a licensed outdoor adventure operator. But if you’re a hardcore adrenaline junkie… you might want to look around instead.

6. NTUC vs MSIG vs Etiqa travel insurance

If you’re considering NTUC travel insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa.

NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance

Price (per week) $61 – $195 $62 – $208.50 $58-280

Covid-19 (per week) Included Included Included (non pre-ex plans only)

Medical Expenses (Overseas) $250,000 – $1,000,000 $250,000 – $1,000,000 $200,000 – $2,500,000

Emergency Medical Evacuation $500,000 – unlimited $1,000,000 $500,000 – Unlimited

Trip Cancellation $5,000 – $15,000 $5,000 – $15,000 $5,000 – $15,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500 $3,000 – $10,000

All 3 insurers, NTUC, MSIG, and Etiqa offer Covid-19 coverage in their travel insurance plans automatically. Other plans that include automatic Covid-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance.

In terms of overseas medical expenses, MSIG offers comparable coverage to NTUC's travel insurance. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, NTUC and MSIG travel insurance plans' coverage are also pretty much on par.

All things considered, NTUC and MSIG travel insurance plans are shockingly similar and competitive. A key difference is emergency medical evacuation coverage for people aged 70 and over-NTUC travel insurance parks that under the overseas medical expense limit.

7. NTUC vs FWD travel insurance

When you pit NTUC travel insurance against one of the most popular "budget" travel insurance providers, FWD, you'll realise that the travel insurance offerings are very similar and competitive.

NTUC Travel Insurance FWD Travel Insurance

Price (per week) $61 – $195 $31.50 – $101.62

Covid-19 (per week) Included $11.39 – $20.04

Medical Expenses (Overseas) $250,000 – $1,000,000 $200,000 – $1,000,000

Emergency Medical Evacuation $500,000 – Unlimited Unlimited

Trip Cancellation $5,000 – $15,000 $7,500 – $15,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500

Between NTUC travel insurance and FWD travel insurance, coverage is actually largely on par if you're considering a basic travel insurance plan with Covid-19 coverage. However, FWD's prices are lower even if you purchase the Covid-19 add-on.

8. NTUC travel insurance vs other travel insurers

At a glance, here’s how NTUC Income's travel insurance stacks up compared to the other major travel insurers in Singapore.

NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance FWD Travel Insurance Starr Travel Insurance Direct Asia Travel Insurance AIG Travel Insurance Allianz Travel Insurance Bubblegum Travel Insurance

Price (per week) $61 – $195 $62 – $208.50 $58-280 $31.50 – $101.62 $20.40-$48 $35-$98.08 $34-$187 $64-$237 $42.12-$52.65

Covid-19 (per week) Included Included Included $11.39 – $20.04 Included $13.73-$31.70 Included Included Included

Medical Expenses (Overseas) $250,000 – $1,000,000 $250,000 – $1,000,000 $200,000 – $2,500,000 $200,000 – $1,000,000 $200,000-$1,000,000 $150,000-$500,000 $100,000-$2,500,000 $250,000-$1,000,000 $150,000

Emergency Medical Evacuation $500,000 – unlimited $1,000,000 $500,000 – Unlimited Unlimited Unlimited $1,500,000 $50,000-Unlimited $1,000,000 Unlimited

Trip Cancellation $5,000 – $15,000 $5,000 – $15,000 $5,000 – $15,000 $7,500 – $15,000 Optional add-on $3,000-$15,000 $5,000-$15,000 $5,000-$10,000 $5,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500 $3,000 – $10,000 $3,000 – $7,500 Optional add-on $1,000-$5,000 $3,000-$10,000 $1,500-$5,000 $3,000

9. NTUC travel insurance promo

Even though many Singaporeans probably don't mind paying more for NTUC travel insurance just because it's a household brand name, their travel insurance plans are actually pretty expensive.

However, with ongoing promotions like the current 45 per cent discount promo, it can be value for money. All standard per-trip plans qualify for the promo. For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $33.55 after the discount. Here are the premiums you'll be paying with the current 45 per cent discount promo:

NTUC Travel Insurance (45per cent discount) Classic Deluxe Preferred

Price (Asean) $33.55/week $41.25/week $53.90/week

Price (Asia) $38.50/week $48.40/week $67.10/week

Price (Worldwide) $75.35/week $85.80/week $107.25/week

In addition, Income is offering an additional 15per cent off Enhanced PreX per-trip plans with complimentary personal accident coverage for six months.

10. NTUC travel insurance claim

If you follow insurance threads on forums or even talk to your friends about insurance claims over kopi, you might have gotten wind of NTUC Income's bad claims reputation.

Unfortunately, online forums such as Hardwarezone and Reddit are full of similar stories from users claiming that their NTUC insurance claims were slow, long-drawn-out and plagued with difficulties. According to the users' NTUC claim experiences, there was a lot of emphasis on the need for original invoices to be submitted.

To be fair, between these nasty stories, you'll also find users who managed to claim from NTUC insurance smoothly and received their cheques in the mail.

So, how do you make a claim? Your first port of call should be to get in touch with NTUC Income ASAP.

NTUC Travel Insurance Emergency hotline: Call the NTUC emergency assistance hotline at +65 6788 6616

Here's where it gets confusing. You have to identify the type of claim that you're making and the "correct" way to submit it. Super important: all claims must be made within 30 days of the event or incident.

NTUC Travel insurance online claims: Submit NTUC travel insurance claims online with supporting documents such as invoice, flight itinerary, police report, etc. through their website. You can do so for the following benefits:

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

NTUC Hard copy claims: For medical expenses, you need to fill in the NTUC travel insurance claim form and drop off the hard copy form with the supporting documents such as hospital bill, medical report, boarding pass, etc. at an NTUC Income branch.

NTUC Email claims: For claims that do not involve travel inconveniences (see above) and medical expenses (see above), you’ll need to fill in the NTUC travel insurance claim form digitally, and email it together with your supporting documents to [email protected]. Include your travel policy number in the subject line.

NTUC Claims settlement time: If there is no dispute, NTUC Income will settle your claims within 10 working days or longer during high-volume travel periods like school holidays.

11. Conclusion: Should I buy NTUC travel insurance?

NTUC travel insurance isn't the absolute cheapest around, but their regular travel insurance plans are very affordable and value for money when there's a 45 per cent promotion going on.

However, just because it's a brand name doesn't mean that their coverage is the highest in town, especially when you compare it with newcomers like FWD. That's not a problem for most travellers though, unless you're going to a super expensive country or encounter some unusual scenario.

For most Singaporeans who just want to eat, chill and relax on holiday, NTUC travel insurance is more than adequate especially as it also provides Covid-19 coverage. However, daredevils should take note that it does not cover more thrilling activities like mountaineering and other extreme sports.

If you have a pre-existing medical condition, NTUC Enhanced PreX is one of the very few travel insurance options suitable for you. It is pricey for sure, but probably worth the money if you have a life-threatening condition like asthma or heart disease. Make sure that the plan is sufficient to cover your overseas expenses and/or evacuation.

This article was first published in MoneySmart .

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NTUC Income launches FlexiTravel short trip travel insurance product

Singaporean insurance cooperative ntuc income has launched a new travel insurance product for short trips which enables travellers to purchase insurance by the hour.

Premiums for the new product, known as FlexiTravel Hourly Insurance, start at S$1.80 for the first six hours, with additional hours of coverage being charged at a rate of $0.30 per hour, capped at a maximum charge of $3 per day.

The policy is currently only available to travellers visiting Malaysia and the Indonesian Bintan and Batam, and is targeted at Singaporeans planning short, impromptu regional trips such as driving to Malaysia for a few hours.

The policy is purchasable via NTUC Income’s My Income app, enabling travellers to easily activate or stop their coverage when it is no longer required. In addition, the app’s geolocation functionality enables users to receive notifications reminding them to activate the plan when it detects that they are entering or leaving Singapore. Travellers can also update their travel details via the app to terminate or extend the plan manually.

The policy is intended to make it easier for Singaporeans who feel it is expensive or a hassle to purchase travel insurance for such short trips.

Vice President and Head of Personal Lines at NTUC Income Annie Chua, said:Top of FormBottom of Form “The recent relaxation of travel-related measures has injected fresh enthusiasm among Singaporeans over the possibility of travelling again. The launch of FlexiTravel Hourly Insurance is timely in catering to the evolving needs of travellers, such as short trips to nearby destinations and travelling amidst the pandemic, so they can now travel with peace of mind as they stay protected by the hour as needed.”

A recent survey by MSIG and Ancileo, also found that three in five Singaporeans plan to travel abroad in 2022 , with the vast majority also interested in purchasing travel insurance for their trip.

Travel Insurance

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

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Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.

IMAGES

NTUC Travel Insurance Review: Best Pre-Existing Conditions Plan?
NTUC Income Launches Travel Insurance Plan for Protection by the Hour
These Travel Insurance Policies Come With Covid-19 Coverage
Income Travel Insurance Review: Best Pre-Existing Conditions Plan?
These Travel Insurance Policies Come With Covid-19 Coverage
NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing

VIDEO

NTUC Income Insurance Cooperative Limited
NTUC Income Insurance Cooperative Limited
NTUC Fairprice Clarke Quey River Valley
Is My Car Insurance Valid in Mexico?
NTUC Fairprice Hub, Joo Koon, Singapore
FairPrice Finest’s new outlet in Clarke Quay

COMMENTS

Travel Insurance
Opt for Enhanced PreX Travel Insurance if you are travelling with pre-existing medical conditions [5] such as diabetes, heart conditions, high blood pressure and more. Opt for Family cover [6] if you are travelling with your spouse/partner and children. With 24/7 Medical Emergency Hotline, you can call (65) 6338 1222 for assistance in the event ...
NTUC Income
ONLINE SELF-SERVICE AT INCOME. Buy Insurance Online For Travel, Car, Motorcycle, Home and Domestic Helper Insurance. Income Treats Discover the latest rewards for you. Claims Online Making your claims online. Road Tax Matters Road Tax Payment and Renewal via OneMotoring. Make Changes to Your Policy Perform simple amendments online to your ...
NTUC Income Travel Insurance Review: Good Value for Money?
Income's travel insurance policy is the one of the few in Singapore that provides coverage for pre-existing medical conditions. 3.6/5.0. ValueChampion Rating. Personal Accident Coverage. Trip Delay Coverage. Baggage Delay Coverage. Pros. Covers pre-existing conditions. Provides COVID-19 hospitalisation and evacuation coverage for certain countries.
NTUC Income Travel Insurance 2024 Review: Types, Fees and More
Included. Best Travel Insurance for Pre-Existing Conditions. NTUC Income's PreX plans offer S$150,000 to S$300,000 to cover medical expenses and emergency evacuation. But as we've pointed out, the downside is that the limits for both are shared.
NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre ...
Take COVID-19 overseas medical coverage for example, NTUC offers $150,000 while MSIG' basic plan offers $75,000. Then, there's overseas COVID-19 quarantine cash allowance, which NTUC gives $100 ...
NTUC Travel Insurance Overview
5,000. 8,000. Each insured person is only allowed the maximum benefit per insured person in the table of cover. The key benefits of NTUC Travel Insurance are: Protection against common travel inconveniences such as damage to personal belongings, personal accident, medical expenses while overseas and travel delays that are not caused by you.
In-Depth Review of NTUC Travel Insurance Coverage
Overview of COVID-19 Coverage under NTUC Travel Insurance. NTUC Travel Insurance now includes coverage for COVID-19-related incidents for customers. This includes medical and hospitalization expenses incurred overseas due to infection. Additionally, cancellation and trip postponement benefits related to the virus are also part of the coverage.
NTUC Income Travel Insurance Review
12976.49. When we look at the benefit you get for the cost, NTUC Income Travel Insurance is somewhere in the middle for single trips. In short, it's pretty average. The one standout feature is that it offers the highest amount of money for overseas travel delay, up to $1,000, more than most other insurers provide.
Best NTUC Assurance Travel Insurance plans in Singapore 2023
NTUC Assurance Travel Insurance Plans. NTUC Income was established in 1970 to provide affordable insurance for workers in Singapore. It is a life, general insurance, and health insurance with a significant share of the Singapore motor insurance market. NTUC Income is a cooperative/mutual insurance company, but the general insurance business is ...
Key Features of the NTUC Income's Travel Insurance Plan
NTUC Income Travel Insurance plans offer travel insurance for both single and annual trips.There are 3 different tiers of plans under 2 categories - Classic, Deluxe, Preferred under the Standard Plans category, and Basic, Superior, and Prestige under the Enhanced PreX Plans category.You can purchase NTUC Income Travel Insurance plans for ...
11 Best Annual Travel Insurance from $270 You Can Buy Online (2022)
A point to note: not all of the annual travel insurance plans include Covid-19 benefits. Annual Travel Insurance. Worldwide Price /year. FWD Travel Insurance. $345.10 - $620.60. NTUC Travel Insurance. $811 - $1,209. AIG Travel Insurance. $765 - $978.
Compare and Buy Travel Insurance
Key features are highlighted in our comparison tables for your convenience! MSIG Travel Insurance. TravelEasy. Best all round cover + enhanced with COVID-19 Cover. Great combination of high medical cover, trip cancellation & postponement cover, travel inconvenience cover and amateur sports cover.
7 travel insurance plans in Singapore for your vacation
And you can be worry-free with NTUC Income's travel insurance. It offers the "Travel Inconvenience" benefit which covers medical expenses after your trip. So if you're worried about that pesky after-cruise motion sickness, get covered with NTUC Income! NTUC Income Travel Insurance, premiums start at $39.60/week for an individual traveller
NTUC Income enhances travel insurance cover to include COVID-19 for
Customers who purchase travel insurance from ICMIF member NTUC Income (Income, Singapore) will now enjoy COVID-19 coverage for medical-related expenses while overseas following the announcement last week from Income that it is enhancing its travel insurance offerings in response to the gradual lifting of border restrictions in Singapore and other parts of the world. With this enhancement ...
NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing
One great advantage of NTUC Income's travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For instance, is offering $2,000 to $15,000, while offers $2,500 to $15,000. Great Eastern logo. Great Eastern TravelSmart Premier Classic.
Travel Insurance
Income Insurance Limited (Income) is one of the leading composite insurers in Singapore, offering life, health and general insurance. Established in 1970 as the only insurance co-operative in Singapore to plug a social need for insurance, Income is now a public non-listed company limited by shares, which continues to serve the protection ...
NTUC Income Travel Insurance review: Covid-19 coverage, pre-existing
If you're considering NTUC travel insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa. NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance . Price (per week) $61 - $195 $62 - $208.50 $58-280 . Covid-19 (per week) Included Included Included (non pre-ex plans only)
NTUC Income launches FlexiTravel short trip travel insurance product
Singaporean insurance cooperative NTUC Income has launched a new travel insurance product for short trips which enables travellers to purchase insurance by the hour Premiums for the new product, known as FlexiTravel Hourly Insurance, start at S$1.80 for the first six hours, with additional hours of coverage being charged at a rate of $0.30 per ...
Do I Need Travel Insurance For Canada?
Travel insurance for Canada isn't compulsory, but it's highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness ...
Income Insurance Singapore
Get your quote online. Life. Star Secure (covers COVID-19) Get up to 20%^ off first year premium. ... (Exclusively for OCBC Plus! and NTUC Plus! Visa cardholders) Health. Care Secure. Enhanced IncomeShield. Personal Accident. PA Secure . PA Assurance. i50 Insurance. ... 15% off Enhanced PreX Per-trip Travel Insurance plans! ️🧳

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NTUC Income Travel Insurance: What You Need to Know

Notable Exclusions

NTUC Income Enhanced PreX Plans Travel Insurance

Summary of NTUC Income Travel Insurance Benefits & Coverage

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NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums

1. NTUC Travel Insurance Summary

2. NTUC Travel Insurance Coverage

11. Conclusion: Should I buy NTUC Travel Insurance?

Comprehensive Review of NTUC Travel Insurance: Coverage, Benefits, and More

Primary features and highlights

In-Depth Review of NTUC Travel Insurance Coverage

Travel inconvenience benefits

Baggage and personal effects protection

Extra coverage – Adventure Sports, Golf Equipment, etc.

Overview of COVID-19 Coverage under NTUC Travel Insurance

Detailed benefits of NTUC Travel Insurance

High claims limit

Access to 24/7 emergency assistance

Special benefits for family plans

Option of pre-existing medical coverage

Variety of Add-ons

Pricing and plan options

Overview of different plans

Cost comparison with other travel insurance

Claims Procedures for NTUC Travel Insurance

Typical claim processing time

Common reasons for claim rejection

NTUC Travel Insurance Customer Service

Analysis of customer service quality

Overview of customer feedback and reviews

The Upsides and Downsides of NTUC Travel Insurance

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2. Does NTUC insurance cover in Malaysia?

3. What does travel insurance not cover?

4. When should I buy travel insurance?

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NTUC Income Travel Insurance Review: Get the Best Coverage at the Right Price

Table of Contents

Eligibility

Premium Rates

Standard Plan

Benefits Explained

What is not covered:

Section 2: Postponing Your Trip

Section 3: Shortening Your Trip

Section 4: Trip Disruption

Section 5: Travel Delay

Section 6: Missed Connection

What is not covered:

Section 7: Overbooked Public Transport

Section 8: If The Travel Agency Becomes Insolvent

Section 9: Baggage Delay

Section 10: Loss or Damage of Luggage and Personal Belongings

Section 11: Losing Money

Section 12: Losing Travel Documents

Section 13: Personal Accident

Section 14: Overseas Medical Expense

Section 15: Medical Expenses in Singapore

Section 16: Treatment by a Chinese Medicine Practitioner or a Chiropractor

Section 17: Overseas Hospital Allowance

Section 18: Emergency Medical Evacuation

Section 19: Sending You Home

Section 20: Compassionate Visit

Section 21: Kidnap and Hostage

Section 22: Emergency Phone Charges

Section 23: Home Cover

Section 24: Personal Liability

Section 25: Rental Vehicle Excess Cover