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• AIA Travel Insurance: Is It A Good Deal?

• High per item cover for baggage loss/damage
• Premier plan offers above average benefits for trip inconvenience & medical
• Provides golf and sports coverage
• Below average value for your money

Overall, AIA's travel insurance plans can be characterized as being solid policies that meet the industry standard in terms of the amount of coverage that each plan includes. However, AIA's plans are also among the most expensive in their class. Because there are stronger, cheaper alternatives on the Singapore market that offer consumers better bang for their buck, AIA travel insurance is difficult to recommend to fiscally-savvy Singaporean consumers.

Table of Contents

AIA Travel Insurance: What You Need to Know

Sports coverage, claims information.

• Summary of Coverage & Benefits

AIA's three-pronged travel insurance suite, which includes its budget Classic plan, mid-tier Deluxe plan and premium Premier plan, cover the bases with average coverage overall that meets the industry standard. All AIA travel insurance plans feature among the highest per item coverage for baggage loss/damage on the market, with the Premier plan also standing out for its high cover for medical expenses.

However, where AIA's travel insurance plans fall short is their pricing. Each of AIA's plans are among the most expensive in their class, along with AIG and Chubb. This means that while the level of coverage provided in the plan may be satisfactory, the value you're getting for your money with an AIA plan leaves something to be desired. There are alternatives on the market that give you much better coverage for less money, such as the generous and comprehensive policies from AXA , Allianz Global Assistance , and Aviva . Shoppers seeking a stronger emphasis on affordability as opposed to maximum coverage might also be interested in the travel insurance plans from Budget Direct , FWD , Etiqa and HL Assurance .

Notable Exclusions

AIA has standard exclusions including extreme sports (potholing, hunting trips, expeditions and ocean yachting), pre-existing medical conditions, travelling against the advise of your doctor, illegal acts and war. The table below summarises some of the common exclusions you should be aware of. However, it is always beneficial to read the full policy document.

AIA offers basic golf coverage at no extra charge, consisting of golf equipment coverage, unused green fees reimbursement and hole-in-one coverage. You are covered for participating in marathons (but not bi- or triathlons, scuba-diving, trekking below 3,000 metres, harnessed rock-climbing if done with a tour operator and available to the general public (below 6,000 metres), skiing and snowboarding. You should keep in mind that any equipment besides golf equipment is not covered.

AIA lets you submit your claims online (linked below) in a 30 minutes session. You will get a one-time password to use for your claim submission. Make sure you have documents that support your claim, your travel itinerary and mobile phone.

AIA Travel Insurance Coverage and Benefits

Hopefully, reading our review of AIA's travel insurance plans has helped you determine if this insurer has the right policy to meet your protection needs for your next business trip or holiday. But if you'd like to learn more about what else is out there, please consider reading our list of the best and cheapest 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.

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AIA Covid-19 Travel Insurance Singapore Review: Price, Promotion, Claims (2022)

AIA may be one of the big insurance companies in Singapore, but AIA’s travel insurance plans have yet to become everyone’s go-to before jetting off on their latest holidays.

Unlike many of their competitors (even the massive brand names like NTUC Income , FWD , or AIG ), AIA has not really upped its travel insurance game to appeal to modern travellers that are now extremely savvy with price comparisons while waiting out for all sorts of promotions .

As you’ll see in this article, AIA travel insurance still has some way to go before they can jostle their way into the upper echelons of the best travel insurance rankings.

• AIA Covid Travel Insurance: Summary
• AIA Travel Insurance Covid-19 Coverage
• Disadvantages of AIA Travel Insurance
• Extreme Sports & Outdoor Adventure
• AIA Travel Insurance Claims
• AIA Travel Insurance Promotions
• AIA Travel Insurance Review

1. AIA Covid Travel Insurance Price

AIA’s travel insurance is called  AIA Around The World Plus (II) and it comes in 3 plan tiers:

The plans can either be either a single-trip plan or an annual pas. What’s the difference between single trip and annual travel insurance ? If you drive up to Malaysia often or fly out to see your girlfriend or boyfriend every few weeks, get the annual pass. If you’re just going to Bangkok for a 5-day trip and dream of travelling more, just buy the single-trip first.

The price of your AIA travel insurance largely depends on the country you’re travelling to. AIA has divided their premiums into:

• ASEAN (cheapest): Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Asia : Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan, Timor-Leste, and all countries listed in ASEAN
• Worldwide (most expensive): Any countries outside Singapore

Here’s a summary table of AIA’s travel insurance coverage & premiums:

At $37 to $123 per week, AIA’s travel insurance is priced similarly to Sompo’s travel insurance ($52 to $132) and Great Eastern travel insurance ($65 to $118). Other super useful coverage that you will get from the AIA Around the World Plus (II) travel insurance plan includes allowance for pet hotel, pregnancy-related medical expenses, credit card fraud, and compassionate hospital visits:

• Flight diversion ($100/6 hours): Too real, I’ve been diverted to Haneda instead of Narita in Japan before. Had to disembark, take all luggages, walk all over, and take buses to Narita.
• Flight overbooking ($100/6 hours): United Airlines?
• Missed connecting flight : $200 to $500
• Travel agent closed down : $1,000 to $5,000
• Jewellery coverage : $100 to $1,000 if your jewellery gets robbed, stolen
• Credit card fraud ($1,000): Get this especially if you’re going to pickpocket hotspots like Paris where your wallet will always disappear in a jiffy.
• Kidnap and hostage : $250/day, $3,000 to $10,000
• Personal liability : $1,000,000
• Compassionate hospital visit : $5,000 to $15,000 to get a relative or friend to visit you if you’re hospitalised overseas alone
• Child protector : $3,000 to $10,000 to get a relative or friend to accompany your child back to Singapore when you’re hospitalised overseas alone
• Women’s overseas medical expenses : $2,000 to $8,000 if you get pregnancy-related sickness abroad and get medical treatment
• Complementary medical reimbursement : $100 to $500 if you come home to Singapore and get any follow-up medical treatment (within 30 days)
• Post-trip medical expenses in Singapore : $2,000 to $10,000 if you got ill overseas, and you get medical treatment in Singapore within 30 days
• Pet care : $50/6 hours, max $250 to $500 if your flight to Singapore is delayed and you’re late to fetch your pet from pet hotel

AIA’s travel insurance plan has also got one of the clearest and most user-friendly brochures.

2. AIA Travel Insurance with Covid-19 Coverage

Covid-19 coverage is automatically included in all AIA travel insurance plans.

If you got Covid-19, your trip was disrupted, and your airline refunds your tickets in credits, your hotel refunds your bookings in their hotel credits, you cannot claim from your AIA travel insurance plan. That’s great if you return to, say, Seoul every year. But really bad if you don’t want the credits. You might want to hit your hotel or airline with an email to check on their Covid-19 refund policy beforehand. Singapore Airlines, for example, allows refunds  if you booked a refundable fare ticket directly from SIA within their refund policy dates. Sometimes, you may also be charged a refund fee.

Children above 12 years old must be legally fully vaccinated to be covered by the plan.

3. AIA Travel Insurance: Disadvantages

• Children & Seniors : Children under 19 years old and elderly above 70 years old will have lower coverage
• Length of Holiday : 182 days per trip for Single Trip plan, 90 days per trip for Annual Multi-Trip plan
• Waiting Period : You must book your AIA travel insurance plan at least 3 days prior to your trip else you won’t be covered for any trip cancellations, postponement.
• Extreme Sports : Not covered
• Pre-existing Conditions : Not covered
• Air Miles & Hotel Reward Points : You cannot claim for your air, bus, cruise tickets etc. if you use air miles or reward points to claim those tickets.
• Medical Treatment in Singapore : If you decide to come home to seek medical treatment, you must do it within 2 days upon arrival.
• Home Country : If you’re making a single trip back to your home country for more than 30 days, medical expenses will only be claimable up to 20% of the benefit amount. If you’re on an annual multiple trip plan? No cover.

4. Does AIA Travel Insurance cover extreme sports?

AIA’s travel insurance does not cover all extreme sports and sports in general. Its exclusions are very sketchy and ambiguous, e.g. saying they don’t cover ultra-marathons, but don’t mention if they cover marathons. They say they don’t cover unpatrolled skiing, but don’t mention if they cover normal patrolled resort skiing.

How to know if bouldering, usual hot air balloon rides are covered? Rule of thumb, travel insurers like AIA typically cover recreational activities that are open to public and can be done with a licensed tour operator, guide, and instructor.

5. AIA Travel Insurance: Claims

Before you purchase ANY travel insurance, one thing you must consider is the ease of claim. How complicated is the claims process? Got success stories from other clients before? Are they notoriously iffy and stingy about your documents and receipts?

A quick search on forums such a Reddit showed that your AIA travel insurance claims process largely depends on the AIA insurance agent you’re buying from. According to the AIA claims website, the claims process is somewhat dated: you need to download the AIA claims form , collect all the necessary supporting documents, and contact your AIA agent to help you with submission.

Otherwise, you can email all the documents to AIA directly at  [email protected] . The catch here, is obviously, that you will have to keep checking in with AIA to check on the application status and understand which claims were not eligible and… perhaps try to appeal.

AIA Emergency Hotline : If you’re overseas and ran into an emergency, call +65 6338 6200 (24/7).

AIA  Hotline: If you’re overseas, call  +65 6248 8000 from 8:45am to 5:30pm on weekdays. Otherwise, the AIA general hotline is 1800 248 8000.

6. AIA Travel Insurance Promotion

There are no ongoing AIA travel insurance promotions for the AIA Around the World Plus (II) plan.

However, AIA is offering a free  “mini” travel insurance plan called the AIA Supercharge Travel Cover that is valid from 29 April to 30 June 2022 (travel before 31 Dec 22). You’ll need to be a Singapore resident, between 18 to 65 years old, fully vaccinated, and provide your details for AIA’s marketing use. There are only 3 coverage you will get:

• Pre-Trip Tele-ART test at discounted rate of $9
• Covid-19 Medical Expenses Overseas: Max $1,000
• Covid-19 Quarantine Allowance Overseas: $50/day, up to 5 days
• Covid-19 Death: $10,000

Not bad since it’s free, especially if you’re on an extreme shoestring budget and are not able to shell out $110+ for a comprehensive Covid travel insurance .

7. AIA Travel Insurance Review

AIA does offer some of the highest compensation limits for loss of personal items and damage to your belongings – up to $800 per item or set – so if insuring your iPad Pro, Chanel bag, and matching Rimowa luggage set is important to you, this is the plan for you.

All the usual travel-related coverage: emergency evacuation, repatriation, natural disaster-caused trip cancellation, flight delay etc. are pretty decent and will pay all your necessary bills.

However, AIA’s Covid travel insurance gives you high coverage for medical expenses, medical evacuation, and pretty decent quarantine allowance of $50 to $100/day. However, if you get Covid-19 before your trip, note that the coverage is very low from $1,500 to $4,000.

Another thing you should note is the fact that you MUST buy all AIA travel insurance via AIA agents.

Looking for the cheapest travel insurance ? Compare all the best travel insurance in Singapore here.

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• Entertainment

AIA Covid-19 travel insurance review: Price, promotion, claims (2022)

AIA may be one of the big insurance companies in Singapore, but  AIA’s travel insurance plans  have yet to become everyone’s go-to before jetting off on their latest holidays.

Unlike many of their competitors (even the massive brand names like  NTUC Income ,  FWD , or  AIG ), AIA has not really upped its travel insurance game to appeal to modern travellers that are now extremely savvy with  price comparisons  while waiting out for all sorts of  promotions .

As you’ll see in this article, AIA travel insurance still has some way to go before they can jostle their way into the upper echelons of the  best travel insurance  rankings.

1. AIA Covid-19 travel insurance price

AIA’s travel insurance is called AIA Around The World Plus (II) and it comes in three plan tiers:

The plans can either be either a single-trip plan or an annual pas. What’s the difference between single trip and annual travel insurance? If you drive up to Malaysia often or fly out to see your girlfriend or boyfriend every few weeks, get the annual pass. If you’re just going to Bangkok for a five-day trip and dream of travelling more, just buy the single-trip first.

The price of your AIA travel insurance largely depends on the country you’re travelling to. AIA has divided their premiums into:

• Asean (cheapest): Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Asia: Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan, Timor-Leste, and all countries listed in Asean
• Worldwide (most expensive): Any countries outside Singapore

Here’s a summary table of AIA’s travel insurance coverage & premiums:

At $37 to $123 per week, AIA’s travel insurance is priced similarly to  Sompo’s travel insurance  ($52 to $132) and  Great Eastern travel insurance  ($65 to $118). Other super useful coverage that you will get from the AIA Around the World Plus (II) travel insurance plan includes allowance for pet hotel, pregnancy-related medical expenses, credit card fraud, and compassionate hospital visits:

• Flight diversion ($100/6 hours): Too real, I’ve been diverted to Haneda instead of Narita in Japan before. Had to disembark, take all luggages, walk all over, and take buses to Narita.
• Flight overbooking ($100/6 hours): United Airlines?
• Missed connecting flight: $200 to $500
• Travel agent closed down: $1,000 to $5,000
• Jewellery coverage: $100 to $1,000 if your jewellery gets robbed, stolen
• Credit card fraud ($1,000): Get this especially if you’re going to pickpocket hotspots like Paris where your wallet will always disappear in a jiffy.
• Kidnap and hostage: $250/day, $3,000 to $10,000
• Personal liability: $1,000,000
• Compassionate hospital visit: $5,000 to $15,000 to get a relative or friend to visit you if you’re hospitalised overseas alone
• Child protector: $3,000 to $10,000 to get a relative or friend to accompany your child back to Singapore when you’re hospitalised overseas alone
• Women’s overseas medical expenses: $2,000 to $8,000 if you get pregnancy-related sickness abroad and get medical treatment
• Complementary medical reimbursement: $100 to $500 if you come home to Singapore and get any follow-up medical treatment (within 30 days)
• Post-trip medical expenses in Singapore: $2,000 to $10,000 if you got ill overseas, and you get medical treatment in Singapore within 30 days
• Pet care: $50/6 hours, max $250 to $500 if your flight to Singapore is delayed and you’re late to fetch your pet from pet hotel

AIA’s travel insurance plan has also got one of the clearest and most user-friendly brochures.

2. AIA travel insurance with Covid-19 coverage

Covid-19 coverage is automatically included in all AIA travel insurance plans.

 If you got Covid-19, your trip was disrupted, and your airline refunds your tickets in credits, your hotel refunds your bookings in their hotel credits, you cannot claim from your AIA travel insurance plan. That’s great if you return to, say, Seoul every year.

But really bad if you don’t want the credits. You might want to hit your hotel or airline with an email to check on their Covid-19 refund policy beforehand. Singapore Airlines, for example, allows refunds if you booked a refundable fare ticket directly from SIA within their refund policy dates. Sometimes, you may also be charged a refund fee.

Children above 12 years old must be legally fully vaccinated to be covered by the plan.

3. AIA travel insurance: Disadvantages

• Children & Seniors: Children under 19 years old and elderly above 70 years old will have lower coverage
• Length of Holiday: 182 days per trip for Single Trip plan, 90 days per trip for Annual Multi-Trip plan
• Waiting Period: You must book your AIA travel insurance plan at least 3 days prior to your trip else you won’t be covered for any trip cancellations, postponement.
• Extreme Sports: Not covered
• Pre-existing Conditions: Not covered
• Air Miles & Hotel Reward Points: You cannot claim for your air, bus, cruise tickets etc. if you use air miles or reward points to claim those tickets.
• Medical Treatment in Singapore: If you decide to come home to seek medical treatment, you must do it within two days upon arrival.
• Home Country: If you’re making a single trip back to your home country for more than 30 days, medical expenses will only be claimable up to 20 per cent of the benefit amount. If you’re on an annual multiple trip plan? No cover.

ALSO READ:  Great Eastern travel insurance review: Covid-19, promo, premiums

4. Does AIA travel insurance cover extreme sports?

AIA’s travel insurance does not cover all extreme sports and sports in general. Its exclusions are very sketchy and ambiguous, e.g. saying they don’t cover ultra-marathons, but don’t mention if they cover marathons. They say they don’t cover unpatrolled skiing, but don’t mention if they cover normal patrolled resort skiing.

How to know if bouldering, usual hot air balloon rides are covered? Rule of thumb, travel insurers like AIA typically cover recreational activities that are open to public and can be done with a licensed tour operator, guide, and instructor.

5. AIA travel insurance: Claims

Before you purchase ANY travel insurance, one thing you must consider is the ease of claim. How complicated is the claims process? Got success stories from other clients before? Are they notoriously iffy and stingy about your documents and receipts?

A quick search on forums such a Reddit showed that your AIA travel insurance claims process largely depends on the AIA insurance agent you’re buying from. According to the AIA claims website, the claims process is somewhat dated: you need to  download the AIA claims form , collect all the necessary supporting documents, and contact your AIA agent to help you with submission.

Otherwise, you can email all the documents to AIA directly at [email protected]. The catch here, is obviously, that you will have to keep checking in with AIA to check on the application status and understand which claims were not eligible and… perhaps try to appeal.

AIA Emergency Hotline: If you’re overseas and ran into an emergency, call +65 6338 6200 (24/7).

AIA Hotline: If you’re overseas, call +65 6248 8000 from 8.45am to 5.30pm on weekdays. Otherwise, the AIA general hotline is 1800 248 8000.

6. AIA travel insurance promotion

There are no ongoing AIA travel insurance promotions for the AIA Around the World Plus (II) plan.

However, AIA is offering a free “mini” travel insurance plan called the AIA Supercharge Travel Cover that is valid from April 29 to June 30, 2022 (travel before Dec 31, 22). You’ll need to be a Singapore resident, between 18 to 65 years old, fully vaccinated, and provide your details for AIA’s marketing use. There are only three coverage you will get:

• Pre-Trip Tele-ART test at discounted rate of $9
• Covid-19 Medical Expenses Overseas: Max $1,000
• Covid-19 Quarantine Allowance Overseas: $50/day, up to five days
• Covid-19 Death: $10,000

Not bad since it’s free, especially if you’re on an extreme shoestring budget and are not able to shell out $110+ for a comprehensive Covid-19 travel insurance.

7. AIA travel insurance review

AIA does offer some of the highest compensation limits for loss of personal items and damage to your belongings – up to $800 per item or set – so if insuring your iPad Pro, Chanel bag, and matching Rimowa luggage set is important to you, this is the plan for you.

All the usual travel-related coverage: emergency evacuation, repatriation, natural disaster-caused trip cancellation, flight delay etc. are pretty decent and will pay all your necessary bills.

However, AIA’s  Covid-19 travel insurance  gives you high coverage for medical expenses, medical evacuation, and pretty decent quarantine allowance of $50 to $100/day. However, if you get Covid-19 before your trip, note that the coverage is very low from $1,500 to $4,000.

Another thing you should note is the fact that you must buy all AIA travel insurance via AIA agents.

ALSO READ:  StarHub launches travel insurance and doubles your roaming data

This article was first published in  MoneySmart .