review of ntuc travel insurance

Credit Cards

• Best Rewards Credit Cards
• Best Credit Card Promotions
• Best Credit Cards for Dining
• Best Credit Cards for Shopping
• Best Cashback Credit Cards
• Best Miles Credit Cards for Travel
• Best No Annual Fee Credit Cards
• Best Credit Cards for Petrol
• Best Credit Cards for Businesses/SMEs
• Best Personal Loans
• Best Home Mortgage Loans
• Best Renovation Loans
• Best Car Loans
• Best Education Loans
• Best Debt Consolidation Loans
• Best Business/SME Loans
• Best Car Insurance
• Best Travel Insurance
• Best Home Insurance
• Best Mortgage Insurance
• Best Health Insurance
• Best Endowment Insurance
• Best Critical Illness Insurance
• Best Maid Insurance
• Best Whole Life Insurance
• Best Term Life Insurance
• Best Personal Accident Insurance
• Best Motorcycle Insurance
• Best Pet Insurance

Investments

• Best Online Brokerages
• Best Robo Advisors
• Best P2P/Crowdfunding Platforms

Bank Accounts

• Best Savings Accounts
• Best Fixed Deposit Accounts
• Best Debit Cards
• Best Hotel Booking Sites
• Best Wire Transfers
• Best Electrical Retailers
• Best Travel Deals

Personal Finance Guides

We'll help you make informed decisions on everything from choosing a job to saving on your family activities.

• Average Cost of Home Renovation
• Average Cost of Monthly SP Bills
• Average Cost of Domestic Help
• Average Cost of Moving Your Home
• Average Cost of Renting a Car
• Average Cost of a Wedding
• Average Cost of a Divorce
• Average Cost of a Funeral
• Average Cost of an Engagement Ring
• Research Reports
• Evaluation Methodology

• 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.

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
• Average Costs and Benefits of Travel Insurance
• How to Pick the Best Travel Insurance

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.

Our Top Travel Insurance

• Best Travel Insurance Promotions
• Best Annual Travel Insurance
• Best Travel Insurance for Sports
• Best Travel Insurance for Families & Groups
• Best Travel Insurance for Seniors
• Best Insurance Companies in Singapore

Keep up with our news and analysis.

Stay up to date.

Featured Travel Insurance Companies

• Allianz Travel Insurance
• FWD Travel Insurance
• Direct Asia Travel Insurance
• Etiqa Travel Insurance
• Aviva Travel Insurance
• HL Assurance Travel Insurance
• Wise Traveller Travel Insurance

Travel Insurance Basics

• What is Travel Insurance
• Why You Need Travel Insurance
• Average Cost and Benefits of Travel Insurance
• Average Cost of a Staycation
• Average Cost of a Vacation
• Who Should Get Annual Travel Insurance
• Airline Travel Insurance vs. Traditional Travel Insurance
• Travel Insurance and Terrorism Coverage
• Travel Insurance and Haze Coverage
• Travel Insurance and Zika Coverage
• Travel Insurance and Overbooked Flight Coverage
• Travel Insurance and Trip Cancellation Coverage
• How to Successfully File an Insurance Claim

Other Financial Products for Travellers

• Best Air Miles Credit Cards
• Best Credit Cards for Complimentary Lounge Access
• Best Credit Cards for Overseas Spending

Related Articles

• Best Year-End Travel Destinations to Beat the Crowd
• Travel Diaries: 5 Safest Travel Destinations in the World
• Travel Essentials Checklist For Your Family Vacation
• How To Survive and Thrive as a Solo Traveller
• How Travel Insurance Can Protect Your Refund Rights for Flight Cancellations and Delays
• Travel Essentials for Every Trip – From the Best Travel Insurance to Miles Credit Card
• Best Frequent Flyer Plans to Upgrade Your Travels in 2023
• Travel Insurance
• Copyright © 2024 ValueChampion

Advertiser Disclosure: ValueChampion is a free source of information and tools for consumers. Our site may not feature every company or financial product available on the market. However, the guides and tools we create are based on objective and independent analysis so that they can help everyone make financial decisions with confidence. Some of the offers that appear on this website are from companies which ValueChampion receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). However, this does not affect our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services

We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. The site does not review or include all companies or all available products.

Cancel reply

Your email address will not be published. Required fields are marked *

Your Email Address will not be published *

Save my name, email, and website in this browser for the next time I comment.

TheFinance.sg

6 Best Travel Insurance When Flying From Singapore (2024 Update)

After a multi-year pandemic, travel – especially for leisure – is finally returning to pre-pandemic levels. That means it’s time to look into travel insurance again, especially given that some countries require it before they’ll issue you a visa.

The right coverage will give you and your family at least a little peace of mind as you plan your vacation.

But what’s the best travel insurance package for you? We’ll get into that today, covering:

• What to look out for in your travel insurance
• An overview of popular travel insurance packages available
• Our top 6 choices for travel insurance and why

How to Choose a Travel Insurance Package

If you’re a seasoned traveller, you already know that price isn’t the only consideration. You get what you pay for, after all. Here are five things to look out for before you decide on a travel insurance provider:

• COVID-19 Coverage. Most insurers these days automatically include COVID-19 coverage, but the degree of coverage differs. Some offer barely enough to cover your medical expenses, while others don’t cover COVID-related trip cancellations or curtailments.
• Coverage for personal items. If your laptop is damaged or you lose any pricey personal belongings, you’ll want to know that your insurance can cover that cost.
• Coverage for travel or baggage delays. These can throw a wrench into your itinerary, especially for short trips.
• Ease of claims. This is why it’s not a good idea to pick insurance purely based on cost. You can check customer reviews to get an idea of the provider’s service quality.
• Coverage for activities. If you’re planning a skiing trip or any potentially risky activities, it’s good to check that your policy covers any accidents. 

6 Best Travel Insurance Packages

We chose each of the following packages because they stand out in their own ways, whether it’s for comprehensive coverage for pre-existing conditions, the best coverage for COVID-19, or the best value for short holidays.

We haven’t omitted any for low coverage in specific areas – e.g. trip inconvenience – as these depend on the traveller’s needs. However, we’ve left out providers with largely poor reviews – this list only features insurers with decent customer service. (That said, no provider has a perfect reputation!)

Here are our top picks:

1. AIG Travel Guard

AIG Travel Guard

AIG has a good balance of pricing, coverage, and responsiveness to claims – whether you’re claiming for missing baggage, an injury, or a sickness you contracted overseas. We’d recommend getting the Standard policy at minimum, as the Basic policy has many gaps.

Their COVID-19 coverage also includes an overseas quarantine allowance in the event you’re confined to a hotel while travelling. Many policies with automatic COVID-19 coverage leave this out.

Current promotion: Receive up to S$188 PayNow Score. (Valid until 31 March 2024) Click to apply .

Promotion criteria:

• Single Trip:  Receive up to S$68 PayNow! (minimum premium S$100)
• Annual Trip:  Receive S$188 PayNow! (minimum premium S$650)

2. DBS TravellerShield Plus

DBS Traveller Shield

Underwritten by Chubb, the DBS TravellerShield Plus is a jack of all trades. It sits in the middle of the price range and offers average coverage for all the standard categories. Overall, it’s a well-rounded package.

There are two things of note with the TravellerShield Plus, though:

• You can add coverage for pre-existing conditions
• Its trip inconvenience coverage is higher than similarly-priced offerings

So if either of those holds more importance for you, this may be a good fit.

Read also : AXA Travel Insurance Review – Pricey, But Worth It?

You may have heard of FWD for its inexpensive, straightforward plans. Most people report that everything from getting a quote to filing claims is a smooth, convenient process that you can complete entirely online.

The downside is that FWD doesn’t have automatic COVID-19 coverage: you’ll have to purchase an add-on if you need it. Its trip inconvenience coverage is also far lower than the market average, though this may be inconsequential for backpackers or light travellers with flexible itineraries.

If cost and reliability are your main concerns, FWD is a great option to consider.

Current promotion: Receive 8 Max Miles for every dollar spent or score an Airalo eSIM with up to 1GB data (minimum premium S$60) + Receive an Apple AirTag worth S$45 with no minimum premium

Promotion Criteria:

• Promotion valid until 25 March 2024. Click to apply .

4. MSIG TravelEasy

MSIG Travel Easy

Above-average coverage at midrange pricing: that’s what you’ll get with MSIG. This insurer also seems to take pride in their service. Most customers report smooth, fuss-free purchasing and claims processes.

And on top of higher COVID-19 and adventurous activities coverage, TravelEasy also insures wedding clothing – in case you’re planning your prenuptial photoshoot abroad.

Go for at least the Elite plan if you want cover for adventurous activities and/or wedding clothing and accessories. The Standard plan leaves out benefits like credit card fraud protection, golfer’s cover, and rental vehicle excess.

Current promotion: Get up to S$40 Grab Voucher + Receive an Apple AirTag worth S$45 with no minimum premium. Click to apply .

• Premium Size: S$65 – S$119.99: S$12 Grab Vouchers
• Premium Size: S$120 – S$239.99: S$20 Grab Vouchers
• Premium Size: S$240 and above: S$40 Grab Vouchers
• Receive an Apple AirTag worth S$45 with no minimum premium (Valid until 25 March 2024)

5. NTUC Income

NTUC Income

Most plans covering pre-existing conditions exclude COVID-19 coverage, since the risks multiply exponentially when someone with comorbidities catches the virus. Still, that leaves you out of luck if you happen to have a pre-existing condition and want to tour the world.

That’s why NTUC Income is a strong contender: they cover both pre-existing conditions and pandemic-related claims. You’ll have to purchase a yearly plan if you want coverage for both, and each trip must be no more than 30 calendar days long.

6. Tiq by Etiqa

Tiq by Etiqa

A member of the Maybank Group, Etiqa Insurance offers  a range of insurance products, including travel insurance, car insurance, and personal accident insurance.

Understandably, plans that cover pre-existing conditions charge a premium for doing so. That’s the case with Tiq travel insurance as well: you’ll pay more than double in premiums if you check the box indicating that you’ve got a pre-existing condition.

Still, Tiq manages to keep its plans affordable. The single trip Pre-Ex plans are priced $5 – 25 cheaper than MSIG’s policies .

And even if you have no need for Pre-Ex coverage, Tiq’s regular travel insurance plans also offer great value at wallet-friendly prices. Just note that the plans don’t include COVID-19 coverage by default, so you’ll have to purchase a rather costly add-on if you need it.

Current promotion: Receive an Apple AirTag worth S$45 with no minimum premium

Summary Table of Travel Insurance Providers

For the price quotations, we’ve used a hypothetical scenario of:

• A solo traveller in his/her 30’s
• An 8-day trip to Australia
• At least $200,000 in overseas medical coverage (or the closest available package)

These starting prices are accurate as of 14 Aug 2023.

Bad Experience with NTUC Income Travel Insurance

• Thread starter cut3han
• Start date Apr 30, 2020

More options

Senior member.

• Apr 30, 2020

Hi, I went for a cruise trip some time ago and bought NTUC travel insurance. My Nintendo Switch console was damaged as a result of mishandling of luggage. Cruise lines do not provide coverage for such matters, but I thought fortunately I have travel insurance I am able to claim for it. So the cruise line get me an incident report to file for a claim. Back in SG, I filed for the claim, its stated in NTUC travel insurance plan that the payout was up to $500 for damaged items in travel. So I thought this will be just a simple process. Boy was I wrong. Never did I expect NTUC income to be a bunch of jerks. Despite having a clear written report what are the faults, a quotation of repairs, plus original receipt given, NTUC income was insistent that I provide a damage diagnostic report, before they will process the claim. Harlow, the quotation of repairs already states very clearly what are the damages, what needs to be replaced, and what are the cost of repairs. What other info is needed on top of that? You don't know how to read or you got zero intelligence, NTUC? Most game shops, or even large retailers do not have your rocket scientist engineers to write up your detailed schematics or diagnostics, how the hell do you expect me to procure such a report for this? Even if there was such a service available, you'll be sure that kind of report aint gonna come cheap. The policy does not cover the costs of getting such a report. I could jolly well be spending a couple hundred bucks on getting this report, only for NTUC to tell me they can only allow me to claim 100 bucks. Does it even make sense? This is merely a $500 claimable item !! That just defeats the purpose of even buying the insurance, is it not? So, obviously NTUC rejected my claim, by alleging that i did not furnish "enough" documents for them. Yah, i'm sure i'm gonna get those, "you should know before buying NTUC", or the "NTUC is a business, insurers will definitely make it hard for you to claim" comments. But if you are in my shoes, are you not gonna feel the least bit frustrated? What is the point then of buying insurance when you are not at all insured, where you cannot even claim in the first place? Fine, if it is a fake claim, reject it and make it difficult by all means. But mine is a legitimate claim, my documents are already sufficient to prove the damages and cost to repair, why do you have to be such a dick and get anal over it? Of course, $500 is not too big a sum, I can move on from here. But if NTUC can be that much of a prick over a small claim like mine, you can imagine how they treat those medical and disability cases. Needless to say, I will be boycotting all NTUC income stuff and products in the future. You should too.  

battledome64

Master member.

Sorry to hijack, I also have an issue for travel cancellation due to Coronavirus. Now all policies specifically exclude it. I bought before the exclusion  

Arch-Supremacy Member

• May 1, 2020

Have you looked into working with CASE or FIDReC?  

Income is rubbish when it comes to claims, had a bad experience myself many years back. If u search the forum you will easily find handful of others with bad experiences of their own. I have told myself never to sign anything from Income no matter how cheap or attractive the offer. We have to spread the word. Insurance is useless if not claimable.  

Is this claim experience a norm for insurers who market themselves as “competitive” pricing? Something have to give when things are priced Low. But does it always have to be at the experience of consumers’ Claim experience?  

Tp101s said: Is this claim experience a norm for insurers who market themselves as “competitive” pricing? Something have to give when things are priced Low. But does it always have to be at the experience of consumers’ Claim experience? Click to expand...

Guys, thank you for your comments and suggestions. IMO, the business model NTUC Income practises is not so different from a scam. They make these fancy pitches of their policies yet they do not live up to their end of the bargain after they collected the premiums. If i just allow this issue to slip by, this is in fact emboldening them to continue to do this to other consumers as well. I don't want them to just get away with this. So I do intend to file a complaint on this matter to CASE / FIDREC or any other possible agencies. I have a legit claim. As long as I am able to demonstrate that I did indeed suffer losses as a result of my travel, and indicate clearly the damages and cost of repair, there is no valid reason why NTUC should reject paying simply by alleging there is the lack of this forensic pathologist "AUTOPSY" report that they constantly harp on. Of course $500 is not a big deal, but I feel this is a matter of principle. Also, I feel that this rejection NTUC is giving is a common pathetic excuse they employ often against their customers. They are out to make it as difficult and as troublesome as possible to deny claims whatsoever. Its relatively inexpensive to file a complaint, so I will do so and see how. I may not succeed, cos there might be some asinine fine print in the policy somewhere that NTUC will bring out to cover their arse later. So I am mentally prepared for this. There wont be a big loss to me even if this fails. But in a way I wanna see the extent how much of a twerp this organization can be, so I can do some effort to shame them. Just that now is the circuit breaker period, so that adds a layer of complication to go about doing this.  

oceanicmanta

Supremacy member.

Squaredot said: INCOME insurance travel insurance not cheapest in the market, I pay premium based on coverage details. So far I only made a claim for one trip cancellation. With hospital report, my claim was fast and easy. Now TS case shows us some claims are very difficult to be successful Click to expand...

oceanicmanta said: agree, I don't consider ntuc travel insurance pricing "competitive". never bought from them before regardless of insurer, i think it depends on what is being claimed ... i find "accidental damaged item" can get more scrutiny insurers also look at repair cost vs replacement cost vs depreciation etc $500 for such claim is large since it is the max claim under NTUC plan The $100 offer is probably for a "fully depreciated" item in NTUC's depreciation schedule ?? Click to expand...

cut3han said: Just to emphasize, $500 is the claim cap NTUC has for accidental damage during travel in the insurance package I bought. The quotation given to me by the retail shop is definitely within this $500 range. I am perfectly fine for NTUC to tell me that considering depreciation, they can just honour maybe $200 of the claim. That is perfectly reasonable. But to tell me that, oh because you don't have so & so report, then outright deny the claim, this is just a downright lowblow dickish move. Will you pay 200 bucks or more to get a report, only to get compensated back the same amount, or even lesser than that? Does that make sense to you? Then what is the point of buying insurance in the first place? How many times has NTUC gotten away from paying their customers with this cheapskate tactic? Click to expand...

• Nov 15, 2022

Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoot when I requested for such letter. Anyone having the same issue?  

reddevil0728

Great supremacy member.

Merkava said: Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoot when I requested for such letter. Anyone having the same issue? Click to expand...

reddevil0728 said: you got post on their social media? Click to expand...

Merkava said: Nope, I dun really post on social media. Does that helps? Btw u meant Scoot's social media right? Click to expand...

• Nov 16, 2022

Are insurance disputes eligible for Small Claims Court?  

BBCWatcher said: Are insurance disputes eligible for Small Claims Court? Click to expand...

Junior Member

• May 19, 2023

Merkava said: Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoo Merkava said: Some may find it too much of a hassle, not sure if anyone has managed to? Click to expand...

Victoria56 said: Basically I find ntuc incomeshield staffs including sq not reasonable and come from a place they think bad of any large sum of claims submitted The incomeshield company are pioneer in shield and so many of us buy from them and now they are not reasonable.they impose a condition in my shield policy though I do not have that illness.they ask me to prove them wrong by paying specialist to complete their questionnaire though my regular physician told them I do not have such a Condition in a memo but the ntuc staff claim I have for past 12 years when I have never been admitted or treated for this condition in past 12 years .the ntuc incomeshield staffs not happy with that memo and said only a special can say that and forced me to pay 400 for the questionnaire.i did scan and xray that came up perfect to substantiate I do not have that condition but they send me a brief email saying review of questionnaire rejected and they cannot remove clause which makes no sense and very bizzare.Despite asking them for specific explaining why they rejected specialist questionnaire after making me pay so much to specialist the ntuc incomeshield staffs don't give proper reply.the ntuc incomeshield staffs appear vindictive by nature and their unreasonable conduct even when provided with all the documents they require make no sense.a lawyer I know in his 50s oftenv heart attack n heart diseases and he said income staffs pay his bills very fast within days though he admit in private hospital so I think the ntuc incomeshield pick the customer they can be difficult with as he is a lawyer Click to expand...

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?

MoneySmart.sg helps you maximize your money. Like us on Facebook to keep up to date with our latest news and articles.

Geopolitical tensions can help boost insurance

SIRC Connect

DEI continues to be a focus in recruitment

Change is a constant for the reinsurance industry

APAC life market to see increasing demand for financial stability

As ESG risks rise, D&O covers need a new look

Life & health

Sri Lanka's life industry bucks the trend with growth

Agency still most profitable channel in Sri Lanka life

Structural growth factors for life insurance in Asia Pacific

New regulations spur interest in Vietnam non-life market

Stricter regulations for bancassurance

New regulations will improve Vietnam life insurance

Vietnam insurance market sustains growth momentum

Thai insurers cope with ageing population and increasing healthcare demands

Changing demographics present Thai life sector with opportunities and challenges

New regulation offers scope for M&A in Thailand

Synchronising technologies for insurance claims management

Personal pensions rolled out across China

Insurers in talks with Vanke on non-standard debt

Complementing offerings from conventional operators

Technical due diligence needed to insure AI

Adopt and adapt to AI

Digital platforms democratising insurance

Lack of women in top leadership despite diverse workforce

Insurers and banks combating climate change together

Trending: TPAs as a growth engine for customer experience

Partners in compliance

Asia Pacific: Insurers will focus on investment risk as economic growth slows

China promotes basic health insurance for children

India: 'Missing middle' may be covered by universal health insurance

Taiwan: FSC to allow more channels for insurers to raise capital

Air pollution is the fastest growing protection gap

Asian CROs worry most about operational resilience

Insurers taking on more risk for their investment portfolios

Extensive evidence of second-hand trauma amongst claims handlers

Great Eastern Singapore launches single premium plan with 100% capital guarantee

Etiqa Malaysia launches two new term and CI family plans

PICC, Ping An and China Pacific units jointly launch disability income insurance plan

Transamerica Life (Bermuda) launch upgraded indexed universal plan for HNW customers

Etiqa Insurance Singapore launch CI plan with mental health support

People on the move

Data-led Underwriting: Revolutionizing Life Underwriting Through Data & Technology

Magazine table of contents, product bites, singapore: ntuc income launches travel insurance that protects travellers by the hour, archived articles are available to magazine subscribers only..

If you are already a subscriber

To read this news article only BUY

Note that your comment may be edited or removed in the future, and that your comment may appear alongside the original article on websites other than this one.

Recent Comments

There are no comments submitted yet. Do you have an interesting opinion? Then be the first to post a comment.

• Meet The Team
• Privacy policy
• Terms of use
• ARM eWeekly
• MEIR eDaily
• eWeekly China
• Press releases

Conferences

• AIR Conferences
• MEIR Conferences
• Other Industry Events
• Asia Insurance Review
• Middle East Insurance Review
• Insurance Directory of Asia
• Asean Insurance Directory
• Reinsurance Directory of Asia
• MENA Insurance Directory
• World Islamic Insurance Directory

Receive Free Newsletters From Asia Insurance Review

7 Best Travel Insurance Plans in Singapore

• Financially Reviewed by Edward Hee

• Published: 21 April, 2023
• Last Updated: 28 March, 2024

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 .

Table of Contents

Picture this: You’ve planned the perfect vacation, booked your flights and accommodations, and are ready to embark on the adventure of a lifetime.

But what happens if something goes wrong? What if you get sick or injured while abroad, or your trip gets cancelled last minute?

That’s where travel insurance comes in.

Travel insurance is a crucial investment for any traveller, providing peace of mind and financial protection in case of unexpected events.

But with so many options available, it can be overwhelming to choose the right policy. That’s why we’ve done the research for you and compiled a list of the best travel insurance options in Singapore.

In this article, we’ll break down Singapore’s top travel insurance providers, highlighting their key features and benefits to help you choose the best policy for your needs.

But first, let me clarify the difference between the different types of travel insurance available in Singapore.

Single Trip Travel Insurance vs Annual Trip Travel Insurance

When it comes to travel insurance in Singapore, there are 2 main options: single trip and annual trip coverage.

Single-trip travel insurance covers a specific trip, usually for a set number of days. This is ideal for people who only travel occasionally or have a specific trip planned.

On the other hand, annual trip travel insurance covers multiple trips throughout the year. This is a good option for frequent travellers or those who may take multiple trips throughout the year.

Both single-trip and annual trip insurance typically provide similar coverages, with the main difference being annual trips offering slightly more coverage and are more expensive than single-trip plans.

However, this article will cover the best single-trip travel insurance in Singapore.

Interested to find out about annual travel insurance? Click here to find the best annual travel insurance in Singapore .

Comparing the Best Single-Trip Travel Insurance Plans in Singapore

These are the best travel insurance plans that will be compared throughout this article.

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

Cheapest Travel Insurance in Singapore – Klook Travel Care Lite

The basis for this comparison will be on the coverage for a single 25-year-old individual travelling to Thailand for a week and the lowest-tiered plan across all insurers.

We all know that Klook is one of the go-to platforms for booking popular attractions, hotels, and tours, but did you know they also offer travel insurance?

Underwritten by MSIG Singapore, Klook TravelCare Lite offers the cheapest travel insurance at only $27.65 for anyone looking for a short getaway from the hustle and bustle.

What’s more, Klook TravelCare also offers coverage for adventurous activities – which many plans don’t.

So, if you’re looking to get travel insurance at the lowest price, Klook TravelCare Lite would be the travel insurance plan for you.

Best Travel Insurance with Highest Overseas Medical Expenses Coverage – Singlife Travel Insurance Prestige

This comparison will be based on coverage for a single 25-year-old individual travelling to Thailand for a week and the highest-tiered plan across all insurers.

You can almost never predict what will happen when you travel to a foreign country, making overseas medical expenses coverage one of the most important factors for travel insurance.

This does not just apply to accidents you may face, it may also be unexpected illnesses, injuries, or medical conditions that develop which you may need hospitalisation for.

As you can see, we have a very clear winner in this category.

Singlife Travel Insurance Prestige  is the only travel insurance plan offering unlimited overseas medical expenses coverage!

Although its premium is much higher than some, it is less expensive than plans like AIG Travel Guard and AIA Around the World Plus (II), which have premiums over $100.

In these situations, it certainly pays to be safe than sorry – especially if it’s going to be a long trip.

One of the highlights of Singlife Travel Insurance is the ability to add optional covers such as overseas weddings & photoshoots, golf holidays, winter sports, and adventurous water sports!

So, if you’re looking for a plan that offers the highest overseas medical expenses coverage – you should get  Singlife Travel Insurance Prestige .

Best Travel Insurance for Those with Pre-Existing Conditions – Etiqa TIQ Travel Insurance Pre-Ex

Most insurers in Singapore do not extend travel insurance coverage to those with pre-existing medical conditions such as eczema, diabetes, stroke, asthma, sleep apnea, cancer, epilepsy, or heart disease.

If you have any of those, what happens if you suffer a lapse or relapse of your medical condition during your trip?

And even if you had gotten other travel insurance before, you cannot make any claims because your condition would have been subjected to medical underwriting – pitting it as an incidence you can’t claim for.

Thus, you may want to look for travel insurance plans that offer coverage for pre-existing medical conditions, such as:

• MSIG TravelEasy Pre-Ex
• Etiqa TIQ Travel Insurance Pre-Ex

Let’s pit the 2 side-by-side to see how they fare.

This comparison will be based on a single trip coverage for a single 25-year-old individual travelling to Thailand for a week and the lowest-tiered plan across all insurers.

We will also be comparing some of the more notable benefits.

We would have to recommend Etiqa TIQ Travel Insurance Pre-Ex Entry (with Covid-19 cover) for this category.

I mean, it’s pretty obvious they have higher benefits when it comes to coverage for pre-existing conditions.

And if you have a pre-existing condition, why get lower benefits if you’re at a higher risk of needing higher coverage?

Plus, the COVID-19 virus is still highly prevalent – even  healthcare professionals  have mentioned that those with pre-existing medical conditions have a higher risk of developing complications if they have contracted the virus before.

So yes, although premiums are more expensive, you should consider a plan that gives you comprehensive coverage for pre-existing conditions and any unexpected situations should those conditions relapse.

Therefore, if you’re going on a trip and have a pre-existing condition, you can check out Etiqa TIQ Travel Insurance Pre-Ex Entry (with Covid-19 cover).

Best Travel Insurance with Highest Benefit for Loss or Damage of Baggage and Personal Belongings – AIG Travel Guard Direct Supreme

This is one of the common travel inconveniences that any traveller can face, especially when you need your essentials to carry out your itinerary as planned.

I mean, what if you love to vlog on your trips? You would probably pack your camera and laptop for taking pictures and editing.

And what if you brought your brand new luxury bag or jewellery overseas for that ultimate #OOTD?

And of course, your travel documents and passport should also be with you.

What happens if the airport loses your baggage and all those personal belongings? What will you do then?

Thus, it is important to choose a travel insurance plan that covers you well for these situations, such as AIG Travel Guard Direct Supreme, which offers up to $10,000 for the loss or damage of your baggage and personal belongings.

Although it is the most expensive premium of $125, paying slightly more for higher protection should be the least of your worries when it comes to your essentials.

Especially if you carry luxury items or personal electronics such as your phone/laptop.

Thus, you should consider AIG Travel Guard Direct Supreme as your travel insurance if you’re worried about losing and damaging your personal belongings.

Best Travel Insurance If you’re Engaging a Travel Agency – MSIG TravelEasy Premier

In this current business climate, companies like travel agencies can sometimes close down without warning and cause major inconvenience to those who book their tours or travel plans with them.

This had actually happened in  earlier years  with Five Stars Tours, which closed down abruptly and resulted in many complaints from travellers – seeing as they were unable to get refunds on deposits and prepayments from cancelled or postponed tour packages.

So, if you had booked your travel through a travel agency, this should generally be one of the factors to look out for in a travel insurance plan because you would have spent quite a lot on tour packages.

I mean, a 5D4N tour package for a single person to Thailand by Chan Brothers Travel already  costs about $1,138 . So, the coverage you’re looking for should be “sufficient” to cover the package cost.

In this case, MSIG TravelEasy Premier would be the one to look out for, given its highest coverage of $6,000.

Best Travel Insurance for Active Travellers – Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover)

This one goes out to all those adrenaline seekers who love the outdoors and need a travel insurance plan to protect them should an accident happen.

In these cases, personal accident benefits should appeal to you most.

We can see that 5 insurers offer the highest personal accident benefit of $500,000.

But there’s one that stands out the most: Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover).

And for 2 main reasons – it has the cheapest premium of just $43.20 and covers an extensive list of leisure and recreational type of holiday outdoor activities that most insurers don’t even cover!

Here is what’s covered in the TIQ plan:

• Hot air ballon
• Scuba diving
• Skiing, and other ice/snow sports
• Hiking or trekking
• Marathons and other competitions (excluding ultramarathons, biathlons, and triathlons)
• Paragliding, hang gliding, parachuting
• Bungee jumping

We told you, it’s an extensive list!

And if you’re an active traveller, there’s bound to be an activity listed above that you would most likely partake in on your travel.

So to our adventure junkies and outdoorsy people, Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover) is your travel insurance.

Best Travel Insurance with Highest COVID-19 Coverage – Allianz Travel Platinum

These days, COVID-19 coverage has become a norm in travel insurance since the pandemic. What this means is that you will be able to claim from your travel insurance if you get COVID-19 while travelling.

The table above shows that many factors are covered in case you contract the virus.

Which of these is actually important for you to consider when it comes to choosing coverage?

Well, it is likely that everyone in Singapore by now has gotten their vaccinations before they are allowed to travel overseas.

But that’s not to say you may not be infected by the virus, especially if that country you’re travelling to still has high infection rates.

So, if you get infected there, you may incur a huge bill when you seek medical treatment, as it depends on the country’s current COVID-19 measures and protocol at the time.

And what happens if you get quarantined there?

Thus, you should be looking out for the overseas medical expenses benefit and quarantine allowance from each insurer.

In this case, Allianz Travel Platinum takes the win for the highest coverage for overseas medical expenses at a whopping $1,000,000!

Guaranteed that Allianz’s overseas quarantine allowance isn’t the highest amongst the rest – but ranks the 2nd highest, it still holds a pretty high position.

Plus, if you need to be medically evacuated and repatriated, Allianz offers unlimited coverage for both cases!

Even though those factors are not as important (since you most likely only need them only once) – but it’s good to have!

Of course, that’s not saying that the overseas medical expenses benefits are all you should look at.

You should also look at the trip cancellation and postponement component because these are important for you to check if the coverage is “sufficient” to cover the cancellation cost of your air tickets, accommodation, and itinerary should you contact the virus before you fly.

If you’re concerned about this aspect, Allianz Travel Platinum is still your go-to travel insurance plan because they offer the highest coverage of $15,000!

Moreover, their premiums are not the most expensive compared to other plans that cost way over $100.

So, if you’re looking for a travel insurance plan that gives you the highest COVID-19 coverage on single trips, you should pick Allianz Travel Platinum.

Best Value Travel Insurance – Klook Travel Care Lite

When it comes to travelling, it is a common practice to source around for the best deals – and it shouldn’t be any different for travel insurance.

Plus, you’re already putting aside expenses for your short getaway trip, so why wouldn’t you want a travel insurance plan that will be a bang for your buck?

Thus, in terms of cost-to-benefit ratio, Klook Travel Insurance Lite stands out as the best value option for single-trip travellers.

It is definitely a worthy competitor even with it having the cheapest premium!

I mean, for just $27.65, you get

• An affordable travel insurance to ease your travel worries
• A reasonable extent of coverage for overseas medical coverage ($150,000!)
• $200,000 for Accidental death and TPD coverage (which is comparable to some of the higher-priced plans like AIA and Singlife!)
• Coverage for adventurous activities – which many plans don’t have!
• A great and more affordable alternative to MSIG TravelEasy (since they are Klook Travel Insurance’s underwriter after all!)

So, you can really see why Klook Travel Insurance is a great value plan for short-trip travellers.

They also have 2 other tiers for you to consider – Essential and Deluxue for those with a bigger budget.

But one thing’s for sure, they will remain a value-for-money travel insurance plan.

In conclusion, having travel insurance is not just a smart choice, it’s a necessary one.

You never know what could happen while exploring a new place, and having that peace of mind is priceless.

With so many options available in Singapore, it can be overwhelming to choose the best one for you.

But by considering your needs, reading reviews, and comparing prices and coverage, you’ll be able to find the perfect travel insurance policy to protect you on your next adventure.

Safe travels!

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. 

Most Popular Posts

11 Best (Early & Late-Stage) Critical Illness Insurance Plans in Singapore

Looking for early and late-stage critical illness insurance but unsure how to start? Check out this article! We cover the key factors to consider and best plans based on criteria.

11 Best Investment-Linked Policies in Singapore

Our most popular post has got its latest refresh. Here are this year’s top picks for the best ILPs in Singapore. Click here to find out which ILP is the best.

11 Best Whole Life Insurance Plans in Singapore [2024 Edition]

Unsure which is the best whole life insurance plan in Singapore? We’ve analysed them all and handpicked the best ones. Click here to find out more!

9 Best Term Life Insurance Plans in Singapore (2024 Edition)

Looking for the best term life insurance plans in Singapore? We compare the different options and select the best ones for different needs. Read more here!

Recent Posts

Emergency Funds: How To Build, Where To Put, How Much Do You Need in Singapore?

How much emergency funds do you need in Singapore? Where should you put them? How do I start building it? We’ve answered these questions in this post.

MediFund Guide: What Is It & How To Apply?

The MediFund is Singapore’s way of helping needy families with their healthcare bills should they can’t afford them. Read more about it in our post here.

What is an Insurance Policy Loan & When Should You Use it? | Singapore Guide

Wondering what an insurance policy loan is and when you should use it? Here’s our comprehensive guide on the topic. Click here to read more.

Maternity Plan vs Integrated Shield Plan

Explore the key differences between Maternity and Shield Plans in Singapore. Understand coverage options to make informed choices for family planning.

© Copyright 2019-2023 Dollar Bureau – All Rights Reserved Singapore

• Privacy Policy
• Terms & Conditions

• Entertainment

Travel insurance review: Is MSIG travel insurance worth it?

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the three tiers of MSIG TravelEasy insurance plans , the Covid-19 extension as well as the TravelEasy Pre-Ex plans:

Here’s a summary of the Covid-19 extension that applies to single trip policies:

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40 per cent discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in Asean, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page .

As long as the 40 per cent promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

ALSO READ:  What to look out for when buying travel insurance in Singapore (2022)

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities, even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its Covid-19 extension. It’s payout of $65,000 for overseas medical fees due to Covid-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on   MSIG’s travel insurance claims page ). Or you can download it and email MSIG at [email protected]

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within two to three weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their Covid-19 extension is not the most comprehensive in its coverage. 

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too. 

ALSO READ:  Travel insurance: Promo codes for 2022 and 7 more ways to save on it

This article was first published in MoneySmart .

COMMERCIAL SALE RENT

Credit cards.

• My Listings
• List Property
• Credit Cards

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 .

Travel Insurance NTUC

Leave a comment in Nestia App

banban 15/12/2023

stay safe All and practice social distancing and wear a mask please

• Terms of Use
• Privacy Policy

Get Nestia App Free Now

One-stop lifestyle app dedicated to making life in Singapore a breeze!

Get Free Now

Property Agent Program

Get maximum exposure for your listings

Properties for sale

Properties for rent, singapore new launch, singapore condo, sale by area, rent by area, popular properties for sale, popular properties for rent.

• Singapore News

Singapore Online Groups

External links.

• HDB For Sale
• Condo For Sale
• Apartment For Sale
• Walk-Up Apartment For Sale
• Executive Condo For Sale
• Semi-Detached House For Sale
• Detached House For Sale
• Terrace House For Sale
• Bungalow House For Sale
• Shop House For Sale
• Conservation House For Sale
• Town House For Sale
• Cluster House For Sale
• HDB For Rent
• Condo For Rent
• Apartment For Rent
• Walk-Up Apartment For Rent
• Executive Condo For Rent
• Semi-Detached House For Rent
• Detached House For Rent
• Terrace House For Rent
• Bungalow House For Rent
• Shop House For Rent
• Conservation House For Rent
• Town House For Rent
• Cluster House For Rent
• New Property Launches
• New Launch Condo
• New Launch Landed
• New Condo in City Hall
• New Condo in Orchard - River Valley
• New Condo in East Coast - Joo Chiat
• New Condo in Kovan
• New Condo in Farrer Park - Lavender
• New Condo in Novena
• New Condo in Punggol
• New Condo in Sengkang
• New Condo in Stevens - Newton
• New Condo in Yishun
• Singapore Condo Directory
• Condo in Ang Mo Kio - Bishan
• Condo in Bedok
• Condo in Bukit Merah
• Condo in Bukit Timah
• Condo in Changi
• Condo in Choa Chu Kang - Bukit Batok
• Condo in Jurong East - Clementi
• Condo in Jurong West
• Condo in Kallang - Geylang
• Condo in Kranji - Woodlands
• Condo in NUS - Queenstown
• Condo in Orchard - Downtown
• Condo in Pasir Ris
• Condo in Seletar - Punggol
• Condo in Sembawang - Yishun
• Condo in Sentosa
• Condo in Serangoon - Hougang
• Condo in Tampines
• Condo in Toa Payoh - Novena
• Condo in Tuas
• Property for Sale in Ang Mo Kio
• Property for Sale in Bishan
• Property for Sale in Bedok
• Property for Sale in Bukit Merah
• Property for Sale in Bukit Timah
• Property for Sale in Changi
• Property for Sale in Choa Chu Kang
• Property for Sale in Bukit Batok
• Property for Sale in Jurong East
• Property for Sale in Clementi
• Property for Sale in Jurong West
• Property for Sale in Kallang
• Property for Sale in Geylang
• Property for Sale in Kranji
• Property for Sale in Woodlands
• Property for Sale in NUS
• Property for Sale in Queenstown
• Property for Sale in Orchard
• Property for Sale in Downtown
• Property for Sale in Pasir Ris
• Property for Sale in Seletar
• Property for Sale in Punggol
• Property for Sale in Sembawang
• Property for Sale in Yishun
• Property for Sale in Sentosa
• Property for Sale in Serangoon
• Property for Sale in Hougang
• Property for Sale in Tampines
• Property for Sale in Toa Payoh
• Property for Sale in Novena
• Property for Sale in Tuas
• Property for Rent in Ang Mo Kio
• Property for Rent in Bishan
• Property for Rent in Bedok
• Property for Rent in Bukit Merah
• Property for Rent in Bukit Timah
• Property for Rent in Changi
• Property for Rent in Choa Chu Kang
• Property for Rent in Bukit Batok
• Property for Rent in Jurong East
• Property for Rent in Clementi
• Property for Rent in Jurong West
• Property for Rent in Kallang
• Property for Rent in Geylang
• Property for Rent in Kranji
• Property for Rent in Woodlands
• Property for Rent in NUS
• Property for Rent in Queenstown
• Property for Rent in Orchard
• Property for Rent in Downtown
• Property for Rent in Pasir Ris
• Property for Rent in Seletar
• Property for Rent in Punggol
• Property for Rent in Sembawang
• Property for Rent in Yishun
• Property for Rent in Sentosa
• Property for Rent in Serangoon
• Property for Rent in Hougang
• Property for Rent in Tampines
• Property for Rent in Toa Payoh
• Property for Rent in Novena
• Property for Rent in Tuas
• Freehold Condo/Apartment
• 60 Years Condo/Apartment
• 99 Years Condo/Apartment
• 103 Years Condo/Apartment
• 999 Years Condo/Apartment
• Studio Apartment For Sale
• 1 Bedroom Condo For Sale
• 2 Bedrooms Condo For Sale
• 3 Bedrooms Condo For Sale
• 4 Bedrooms Condo For Sale
• Studio HDB For Sale
• 1 Bedroom HDB Apartment For Sale
• 2 Bedrooms HDB Apartment For Sale
• 3 Bedrooms HDB Apartment For Sale
• 4 Bedrooms HDB Apartment For Sale
• Cheapest HDB For Sale
• Cheapest Condo For Sale
• Cheapest Landed For Sale
• HDB Master Bedroom For Rent
• HDB Common Bedroom For Rent
• Condo Master Bedroom For Rent
• Condo Common Bedroom For Rent
• Studio Apartment For Rent
• 1 Bedroom Condo For Rent
• 2 Bedrooms Condo For Rent
• 3 Bedrooms Condo For Rent
• 4 Bedrooms Condo For Rent
• Studio HDB For Rent
• 1 Bedroom HDB Apartment For Rent
• 2 Bedrooms HDB Apartment For Rent
• 3 Bedrooms HDB Apartment For Rent
• 4 Bedrooms HDB Apartment For Rent
• Cheapest HDB For Rent
• Cheapest Condo For Rent
• Cheapest Landed For Rent
• Short Term Rental
• Top Stories
• Lottery News
• SE Asia News
• Entertainment News
• Property News
• Lifestyle News
• History Stories
• International News
• Transport News
• Business News
• Education News
• Popular Groups
• Lottery Groups
• Property Groups
• Transport Groups
• Social Groups
• Lifestyle Groups
• Hobbies & Crafts Groups
• Career & Business Groups
• Home & Communitie Groups
• Jobs Groups
• Propertyguru

• Travel insurance plans

Tin Leg Travel Insurance Cost

Compare tin leg travel insurance.

• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

FWD Travel Insurance Singapore Review: Promo Code, Covid-19, Claims

As a typical cheapo s inkie , I must confess to buying FWD travel insurance purely because it’s one of the cheapest travel insurance providers in Singapore.

Obviously it’s cheap because FWD is relatively newer and unknown, but before you decide to knock it, let’s take a closer look at the FWD travel insurance plans.

• FWD Travel Insurance: Summary
• FWD Travel Insurance Coverage
• FWD Travel Insurance: Covid-19
• FWD Travel Insurance: Extreme Sports
• FWD vs NTUC vs MSIG Travel Insurance
• FWD vs AIA vs AXA vs Singlife Travel Insurance
• FWD Travel Insurance Promo Code
• FWD Travel Insurance Claims
• Should I get FWD Travel Insurance?

1. FWD Travel Insurance Summary

You may have many questions about this young looking insurance company. What is it and where is FWD from? FWD is actually an insurance company founded by Hong Kong businessman, Richard Li – you might know him better as the Hong Kong tycoon Li Ka-Shing’s son. FWD’s headquarter is based in Hong Kong, but it operates insurance in numerous ASEAN countries in the likes of Singapore, Malaysia, Indonesia, Thailand, and so on.

FWD insurance launched in Singapore in 2016, which means it’s been in operation here in Singapore for 6 years now. Some of the most popular FWD insurance plans in Singapore include the FWD car insurance, FWD travel insurance, and FWD life insurance.

FWD travel insurance plan is quite simply called FWD Travel Insurance , and there’s only one travel insurance plan that they offer. There are 3 plan tiers, namely:

• First (most expensive)

Total Premium

FWD Premium

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 25% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.    BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

As with all travel insurance plans, your premiums (the price you pay) largely depends on the country you’re travelling to:

• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand, Vietnam
• Asia : Australia, Bangladesh, Bhutan, China (including Hong Kong and Macau), East Timor, Fiji, India, Japan, Maldives, Mongolia, Nepal, New Zealand, Papua New Guinea, South Korea, Sri Lanka, Taiwan, and ASEAN
• Worldwide exclude USA : All countries except USA
• Worldwide : All countries
• Countries not covered : Afghanistan, Cuba, Democratic Republic of Congo, Iran, Libya, Liberia, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen (any country where Ministry of Foreign Affairs of Singapore advises against travelling to)

2. FWD Travel Insurance Coverage

What does FWD travel insurance cover? And how much does it cost? Let’s find out:

Prices – compared to other travel insurance companies, FWD’s travel insurance indeed is one of the cheapest travel insurance plans in Singapore. Pulse check? Budget travel insurance provider, Direct Asia’s travel insurance plans range from $35 to $94 per week. A reputable travel insurance provider such as AIG’s travel insurance plans cost $48 to $132 per week. And then there’s the more expensive options like Sompo travel insurance which will set you back by $52 to $132 per week.

Comparison of FWD travel insurance prices vs other travel insurance providers:

• FWD travel insurance: $25 to $73 per week
• Direct Asia travel insurance: $35 to $94 per week
• AIG travel insurance: $48 to $132 per week
• Sompo travel insurance: $52 to $132 per week

Coverage wise , FWD’s travel insurance offers very good coverage for all things serious such as medical expenses, emergency medical evacuation, and personal accident death. However, you’ll have to forfeit the minor and miscellaneous coverage such as travel delay (FWD $300 vs  Great Eastern  $1,000), baggage or personal belongings loss (FWD $300 vs AIA $3,000), and baggage delay (FWD $150 vs MSIG $600).

MSIG TravelEasy Standard

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]     3 DAYS FLASH SALE:   Enjoy 55% off your Single Trip policy premium when you apply promo code TRAVEL55 . Valid till 28 Apr 2024 .    • Enjoy 20% off your Annual Plan policy premiums (no promo code required). Valid till 6 May 2024 . • Get  2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.     BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

3. FWD Travel Insurance: Covid-19 Coverage

FWD travel insurance does not automatically include Covid-19 coverage . Instead, you’ll need to purchase an add-on Covid rider on top of your travel insurance policy. Here’s what you will be covered for in the event that you decide to purchase the FWD Covid-19 rider for your holiday:

At $20.60 to $34.04 per week, FWD’s Covid rider is actually more expensive than its competitors’.  Direct Asia’s Covid rider costs $18.30 to $42.30 per week, while Etiqa Tiq travel insurance’s Covid rider costs $18 to $63 per week.

However, FWD’s Covid-19 rider offers much more value and coverage than Direct Asia’s. FWD offers $200,000 in medical coverage while Direct Asia’s is capped at $150,000. FWD gives you both hospitalisation and quarantine cash allowance while Direct Asia doesn’t all.

Etiqa’s Covid-19 coverage is comparable to FWD’s. However, FWD offers more in hospitalisation and quarantine cash benefit than Etiqa.

[MoneySmart Exclusive]    • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

Get paid upon a 3-hour flight delay, even without submitting a claim

4. FWD Travel Insurance: Extreme Sports Coverage

While FWD travel insurance’s policy wording does not explicitly state if its coverage extends to outdoor adventure and extreme sports or not, there is a FAQ blog article found on the FWD website that tells us that FWD Travel Insurance covers most recreational and licensed outdoor adventure activities.

Considering that most outdoor activities are covered, their lowest tier plan (Premium) is very good value for money.

5. FWD vs NTUC vs MSIG Travel Insurance

If you were to compare FWD travel insurance against top-tier insurance brand names such as NTUC Income and MSIG, you’ll realise that FWD is way cheaper at first.

However, add in the Covid-19 rider cost to make a better comparison.

You’ll then realise that the highest tier FWD travel insurance, First, is the most value for money plan that FWD has. At $107 for a week with FWD First travel insurance you get worldwide coverage with Covid-19, outdoor sports, and pretty high overseas medical coverage that’s on par with NTUC and MSIG’s.

The biggest drawback about FWD, again, is the low coverage for personal belongings and baggage loss.

6. FWD vs AIA vs AXA vs Singlife Travel Insurance

Other popular contenders for FWD travel insurance include AIA, AXA, and Singlife with Aviva.

Again, when you add FWD’s core plan premiums to its Covid-19 rider premiums, you’ll realise that FWD’s prices are somewhat on par with its counterparts. However, the highest tier FWD First travel insurance plan offers the most value for money.

When compared against AIA travel insurance, FWD’s core medical coverage pales in comparison.

You may be looking at Singlife with Aviva’s unlimited medical expenses coverage – do note that any emergency medical evacuation will be charged to the same limit. Singlife with Aviva’s trip cancellation coverage is also the lowest in this comparison chart.

7. FWD Travel Insurance Promo Code

FWD is definitely one of the affordable brands and their prices are often competitive with ongoing promos (always use MoneySmart’s travel insurance comparison page to get the cheapest rates!) particularly if you’re travelling beyond Southeast Asia. I mean, $27 for a week’s coverage in expensive countries like Australia and New Zealand is really quite a steal.

There is an ongoing FWD Travel Insurance promo code FWD77 for 20% discount off your travel insurance premiums.

8. FWD Travel Insurance Claim Review

FWD has hands-down got the best claim reviews in Singapore at the moment. When you purchase your FWD travel insurance, there will be clear instructions telling you to keep your negative PCR departure test for documentation and so on. Listen, and follow. With FWD, online users with documentations done right got their claims smoothly.

FWD emergency hotline: +65 6322 2072

FWD WhatsApp claims: You can do a WhatsApp claim for travel delay or baggage delay. Send the message “I’ve a claim” to FWD Claims at +65 9128 8552. You can then WhatsApp photos of your documents.

FWD Online claims: F ill in this  FWD claim form  online and upload the supporting documents online.

FWD Hard copy claims: For medical expenses and baggage loss/damage, you have to complete the online claims procedure and then mail your documents to

FWD Singapore Pte Ltd (Claims Team) 6 Temasek Boulevard #18-01 Suntec Tower 4 Singapore 038986

Things to note: Claims must be made within 30 days of the event or incident. Refer to FWD’s claims guide for what documents to submit for each type of claim.  FWD will follow up to acknowledge your claim within 2 working days .

9. Conclusion: Should I get FWD Travel Insurance?

In general, the FWD travel insurance plans are good value for money , especially for Asia and Worldwide.

One of the best things about FWD travel insurance is that they automatically cover activities like scuba diving, rock climbing and skydiving.

It’s particularly useful for those planning to go for outdoor activities like skydiving and hot-air balloon rides – unlike some other insurance companies that claim to protect you on your travels, but sneakily classify all your planned activities as “dangerous” and therefore excluded.

Another boon is the good trip cancellation coverage . (Because the world is full of threats to your imminent holiday.) FWD Premium has an above-average benefit for trip cancellations, even if it’s due to a Zika outbreak or haze.

Maybe I have the attention span of a millennial, but when I buy insurance from FWD I don’t find it horribly tedious. I appreciate that the whole user experience is mobile-optimised, fast and relatively painless. Plus, you can make claims through WhatsApp!

The downside is the poor benefits for travel inconveniences. For some people, the low limits on travel and baggage delays, and the trouble you have to go through for claiming losses, are a major deal breaker. If you’re travelling with expensive or important items, FWD definitely doesn’t offer enough coverage.

Still looking to buy travel insurance?  Compare all the best travel insurance in Singapore .

Related Articles

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

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

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

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

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.

Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

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

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Cruise Travel Insurance
• Best Domestic Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe

More from  

Travel insurance for vietnam: everything you need to know, was discovery travel insurance review: features, pros and cons, fast cover comprehensive travel insurance review: pros and cons, our pick of the best domestic travel insurance for australians, travel insurance for indonesia: everything you need to know, travel insurance for singapore: the complete guide.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

• Credit Cards ›
• Chase Sapphire Preferred Card

Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

Content Contributor

66 Published Articles

Countries Visited: 197 U.S. States Visited: 50

Jessica Merritt

Editor & Content Contributor

84 Published Articles 481 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Keri Stooksbury

Editor-in-Chief

32 Published Articles 3130 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Chase Sapphire Preferred Card Overview

Recap of chase sapphire preferred card travel insurance, travel accident insurance, trip cancellation and interruption insurance, 2. does chase sapphire preferred card travel insurance cover cruises, 3. what does the chase sapphire preferred card baggage insurance cover, 4. what does the chase sapphire preferred card medical insurance cover, 5. does the chase sapphire preferred card cover hotel cancellations, 6. does the chase sapphire preferred card cover airbnb cancellations, 7. does chase sapphire preferred card travel insurance cover rental cars in other countries, 8. does the chase sapphire preferred card cover turo or zipcar rentals, 9. how do i file a chase sapphire preferred card travel insurance claim, 10. do i need travel insurance if i have the chase sapphire preferred card, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
• Chase Sapphire Preferred Credit Score Requirements
• Military Benefits of the Chase Sapphire Preferred
• Chase Freedom Unlimited vs Sapphire Preferred
• Chase Sapphire Preferred vs Reserve
• Amex Gold vs Chase Sapphire Preferred

Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

Was this page helpful?

About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.