Travel Insurance FAQ

In order to qualify for travel insurance from Singlife, you must meet the following criteria:

• You have a valid NRIC or FIN.
• You are at least 16 years old at the time of purchase (only required if you are the applicant).
• The journey is a round trip, beginning and ending in Singapore.
• You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment.
• You have bought the policy before you leave Singapore on your trip.

Yes. Click here to get a quote. All it takes is 60 seconds or less for an immediate, no-obligation quote.

You can also download our mobile app to purchase: 

Download from iTunes

Download from Google Play

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose 'Travel Prestige' plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose the one that is right for you. 

Please call the Singlife Travel Assistance Helpline at +65 6460 9391.

To make a claim, or for overseas emergency assistance please call +65 6460 9391 for our claims assistance helpline or alternatively, you can submit your claim through our online claims submission here. Claims submission should be filled in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 7 days after the incident.

For general enquiries:
+65 6827 9933
Mondays to Fridays 08:45 – 17:30
(Excluding weekends and public holidays)

Please refer to the table below for the COVID-19 coverage details for all policies purchased from 01/01/2022 onwards.

This is available for all policies purchased from 01/01/2022 onwards.

For policies purchased before 01/01/2022 please refer to your policy documents for the coverage.

Please refer to the table below for the COVID-19 coverage details for all policies purchased from 25/05/2021 to 31/12/2021.

For single trip policy, if your trip has not started yet, we will allow full refund for cancellation of the existing policy provided you have not travelled, and there has been no claim or incident likely to give rise to a claim.

For annual multi-trip policy, if it is still within the free look period, we will allow full refund for cancellation of the existing policy. Otherwise, we will refund you the premium paid less a pro-rated amount for the period for which you have been covered. You will not be entitled to a refund if you have made a claim or there has been an incident likely to give rise to a claim during the current period of Insurance.

This COVID-19 coverage is extended to you if you have completed the full inoculations or vaccinations for it prior to your trip and are not travelling against travel advisory issued by the Singapore government.

For the full terms and conditions, please refer to the policy booklet.

For the latest travel advisory issued by the Singapore government, please visit the Ministry of Foreign Affairs and Ministry of Health websites accordingly. 

You may purchase travel insurance online or through our intermediaries.

We do not have any age limit for adults. Under Family package, we cover children up to 18 years old or up to 23 years old if they are not married and studying full-time in a recognized institute.

Singlife Travel insurance is underwritten by Singapore Life Ltd.

If your trip includes pre-payments or deposits for say, hotels, airlines and other travel needs, we recommend that you buy travel insurance immediately after making these payments to protect yourself against trip cancellation charges. Our 'Travel Plus' and 'Travel Prestige' also offers Trip Cancellation For Any Reason and Change of Travelling Date or Time for Any Reason that would be useful to guard against losing early payments. Just buy this tier of travel insurance within 7 days of making your pre-payments or deposits.

For example: 
You paid for your air ticket on 1 Dec 2019 but paid for your accommodation on 1 Feb 2020 for a trip from 1 Jun 2020 to 14 Jun 2020.

You are required to purchase the travel insurance latest by 8 Dec 2019 in order to be covered under this section.

No. Any claim arising from circumstances known to you or in the public domain at the time of issue of this insurance or before you booked your trip (whichever is earlier), will not be covered.

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore.

Yes, your policy covers you for all non-restricted countries within your travel zone. We have three travel zones: 

ASEAN which covers Brunei Darussalam, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand and Vietnam.

Or

Asia covers ASEAN countries, Australia, Hong Kong, India, Japan, Macau, Maldives, Mongolia, Nepal, New Zealand, People's Republic of China, Taiwan, South Korea and Sri Lanka. 

Or

Worldwide covers any countries outside Singapore except Afghanistan, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan and Syria.

If your trip involves travel to countries in both Asia and Worldwide zones, kindly choose Worldwide.

Sounds like a great trip! In this case, you'd need to buy a multi-trip policy because the coverage for a single-trip policy ends anytime you return to Singapore. Also, having a multi-trip or annual travel insurance would be a more economical solution than buying several single-trip plans.

The maximum cover length for any single-trip policy is 182 days. However, if you have an annual multi-trip policy, we can cover you for multiple trips up to 90 days per trip. An annual multi-trip policy will remain in force for 12 months from the cover start date till the end of the cover period as indicated on the policy schedule.

Extension of period of cover is allowed midway during travel provided there are no known circumstances or events likely to lead to a claim. Additional premium will apply. You may email us at [email protected] to request for such extension.

The difference is as follows: 

Individual Package covers you only.

Family Package covers you, your spouse and/or your legal child/children who travel with you on the same single trip. For annual family plan, you and your spouse need not travel together but your children below 16 years old must be accompanied by you or your spouse for any trip.

Group Package covers you and up to a maximum of 19 other individuals (including children) travelling together on the same trip. 10% discount applies to groups of at least 6 persons and 15% discount applies to a group of 11 to 20.

Yes. The promotional discount is applied to the net premium after the group discount. This is how the discount tiers work:

Yes provided your child at least 16 years old at the point of application. If your child is below 16 years old, an accompanying adult can purchase a group policy together with your child.

Yes. We are pleased to inform that you will be able to claim under Trip Cancellation For Any Reason or Change of Travelling Date or Time For Any Reason if it is not due to any one of the insured events, provided if you have purchased 'Travel Plus' or 'Travel Prestige' policy within 7 days from the date you made your initial payment for your trip. These are our new and unique benefits.

We will cover you for 50% of irredeemable travel and accommodation cost, and entertainment tickets paid in advance before departure from Singapore if you cancel your trip and 50% of the reasonable admin fee charged by the airline or licensed travel agent to change the travelling date or time of your trip. We also cover irredeemable entertainment tickets.

For more information on the terms and conditions, please refer to your policy document.

Yes, we will cover you for loss of irredeemable travel, accommodation cost and entertainment tickets paid in advance or any additional administrative expenses or travel cost if you are unable to continue with your trip and return to Singapore or change any part of your trip due to:

1. death, quarantine or serious injury or serious illness of insured, spouse or children,

2. death, quarantine or life-threatening injury or serious illness of close relative, close business associate, travelling companion or the person that you were to stay with during your trip,

3. insured person or his/her travelling companion being subpoena as a witness in the court of law,

4. serious damage to insured residence from fire, storm or a catastrophic event,

5. unexpected outbreak of strike, riot and civil commotions at the planned destination,

6. catastrophic event, epidemic or pandemic outbreak at the planned destination,

7. cancellation of flight by the airline due to closing of airport or airspace,

8. insured child is forced to change his/her trip because his/her travelling companion (parent or guardian) has to cancel his/her trip due to one of the reasons listed above or

9. Airline, licensed transport provider, licensed tour operator or travel agency insolvency.

Yes. Your policy will cover you for business travel except for any loss, damage or liability arising as a result of manual work. Please refer to the policy document for more information about manual work.

Yes, if you are unable to travel due to one of the following insured events listed below within 30 days before departing on your trip, we will cover any reasonable admin fee and/or additional transport, accommodations cost and entertainment cost incurred to replace one traveller to take over your business trip.

1. death, quarantine or serious injury or serious illness of insured, spouse or children,

2. death, quarantine or life-threatening injury or serious illness of close relative, close business associate, travelling companion or the person that you were to stay with during your trip,

3. insured person or his/her travelling companion being subpoena as a witness in the court of law or

4. serious damage to insured residence from fire, storm or a catastrophic event.

Yes, if the scheduled public transport that you are booked to travel on in your trip is delayed from the scheduled time of departure or you are denied boarding of the public transport for which confirmed reservation has been made or the public transport is diverted and you are delayed from arriving your planned destination.

This is provided there is no other travel arrangement made available to you by your travel agent or operator within 6 hours from the scheduled departure and you are not the cause of delay.

We will pay S$100 for every 6-hour delay from your scheduled arrival time up to the policy limits.

Yes, if your checked-in baggage is delayed, misdirected or temporarily misplaced at your scheduled destination or upon your return to Singapore, on a scheduled carrier. We will pay for the delay of at most one piece of your checked-in baggage that is tagged under your name.

We will pay S$200 for every 6-hour delay in overseas and S$150 after 6 hours of delay upon your return to Singapore. 

Yes. We will cover you for loss, theft or accidental damage to your personal belongings or baggage during your trip provided they are not left unattended. Maximum we will pay is S$700 per item(S$500 per item for Travel Lite plan) and subject to our depreciation table. Please refer to the policy document for more information.

Personal belonging refers to luggage, clothing, binoculars, photographic equipment and other items which you normally wear or carry with you when you travel.

No, unless you have purchased the optional riders such as Golf Holiday, Winter Sports or Adventurous Water Sports.

Yes, if you purchase 'Travel Prestige' or 'Travel Plus' policy, we will cover you for theft of your valuables or personal money up to the limits specified in your policy, during your trip. There is no cover for valuables or personal money if you purchase the 'Travel Lite' policy.

Yes, if your passport or other travel documents are lost or stolen while you are abroad, we will pay the administrative fee to replace these documents. In addition, we will also pay for additional transport and accommodation expenses incurred for the sole purpose of replacing these documents.

Please contact our Emergency Travel Assistance Helpline at +65 6460 9391 and we will advise you on how to replace lost or stolen passports and other travel documents.

If your credit card is stolen, we will cover you for any fraudulent use of your credit card, except for any cash advances. This benefit is only for 'Travel Prestige' policy. You must report the loss to your credit card issuer with 24 hours of the robbery, burglary or theft.

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Yes, they may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

We will pay for:

• Your emergency medical treatment outside Singapore within the stipulated policy limits for pregnancy or childbirth.
• Trip cancellation or trip interruption benefits if you are unfit to travel or continue with your trip

where the expected date of delivery is more than 12 weeks (16 weeks in the case of a multiple pregnancy) before your planned return date and your doctor must certify that these conditions are not related to any pre-existing conditions.

The policy automatically covers you for the usual tourist activities that are accessible to the general public without restriction and including those which are provided by a licensed operator. This is provided you obey the rules (including wearing appropriate safety equipment) and are acting under the guidance and supervision of qualified guides and/or instructors of the operator when carrying out such tourist activities (This excludes Dangerous Sports and Leisure Activities under General Exceptions).

If you are participating in Winter Sports and Adventurous Water Sports activities such as skiing, jet skiing, you may get yourself covered by purchasing the optional riders for them.

Please note that we do not cover you while you are taking part in any leisure or sports activities either as a professional or where you would or could earn or receive remuneration, donation, sponsorship or financial rewards of any kind or where you are competing in or practising for speed or time trials, sprints or racing of any kind.

We will not cover you if you take part in any sports or leisure activities with a high inherent level of risk or which is done in a manner, location or terrain that is far from what reasonable people consider to be normal. Please refer to our General Exceptions for the list of activities that we do not cover. Examples are bungee jumping, sky diving, flying fox, BASE jumping, stunt riding, trekking above 3000 metres altitude and canoeing above Grade 2.

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call the Singlife Travel Assistance Helpline at +65 6460 9391 for assistance.

First of all – congratulations on your nuptials! Having an overseas wedding or bridal photoshoot is already an investment– but can be even more costly if mishaps occur. We're not just talking about money – can you imagine the emotional trauma of losing or accidentally tearing your bespoke wedding gown? Or what if your rustic wedding gazebo were to suddenly collapse over your guests in the front row? Trust us, it won't be pretty. So we came up with this add-on cover for accidental loss or damage to your ceremonial attire and accessories, loss of marriage certificate and personal liability of invited guests at your wedding venue overseas (remember that creaky gazebo?). Also… just in case it happens, you're covered if your wedding planner goes bankrupt and leaves you in the lurch or if your wedding photo album is lost or damaged en route to Singapore.

The charge for this add-on is 'per couple'. So if you and your partner are purchasing 2 separate insurance policies, you just need to add this option for either of you, not both.

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: Your name and address, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

Bummer! Quick, report the theft or loss to the police within 24 hours of discovering it. Make sure to ask them for a report in writing. If you think it's the airline, transport company or hotel that could be responsible for this, let them know and ask for a written report as well. You'll need these documents when you make a claim with us.

For Singapore citizens and permanent residents, the NRIC number is on your Singapore Identity Card, e.g. S1234567A. For foreigners, the FIN number is on the green card issued to you by the Immigration & Checkpoints Authority in Singapore.

For single trip plan, you should indicate the full overseas travel period only as your insurance cover. Please note that dates are based on Singapore local time (GMT +8:00).

Cover start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 02 Feb 2020 23:50, you should indicate the Start Date as 02 Feb 2020).

Cover end date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 19 Feb 2020 00:30, you should indicate the End Date as 19 Feb 2020).

There are various reasons why we may not be able to provide you with an online quote. If you are not able to secure a quote, please follow the instructions on the screen or contact our Customer Services Department at +65 6827 9933 for assistance.

Yes. Our online payment process is fully secured. If you have any specific concerns, please call our Customer Services Department at +65 6827 9966.

If your premium is $300 and above, you may pay by monthly instalment under Instalment Payment Plan (IPP) through your UOB VISA / MasterCard credit card for any new business or renewal application. IPP is an interest-free instalment plan offered by the banks. At the moment, this arrangement is with UOB only. You can choose between 6 or 12 months 0% Interest IPP.

The bank will bill you monthly. The amount deducted will be reflected on your monthly credit card statement.

Your travel insurance policy will remain in force, but the bank will issue finance charges, interest and fees on the outstanding amount at their prevailing rate.

We will provide a cancellation refund if you have not made a claim or there has not been an incident likely to give rise to a claim during the current period of insurance. Refunds will be credited to the original payment mode wherever possible within 14 working days. However, your instalment with the bank will still carry on.

Yes. If you wish to allow someone else to make the payment for you, they may enter their credit card details.

You will receive a confirmation via SMS once policy purchase is completed. We will also send a confirmation email to your designated address that contains a soft copy of your Singlife Travel Policy document, policy summary, summary of cover and receipt of payment. You can decide whether to print or store these on your computer, it is your choice. You can also download additional copies of your policy documents online, by logging in to MySinglife.

Please contact us at [email protected] or call us at:

+65 6827 9966
Mondays to Fridays 08:45 - 17:30
(Excluding public holidays)

Please verify your credit card details. Also, it is recommended that you use Internet Explorer 11 or Google Chrome as a minimum for the online purchase and payment process. If you still face problems, please call our Customer Services Department at +65 6827 9966.

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Yes. Online renewal is a simple process. We will remind you 45 days before your expiry date and guide you through each step.

If you want to access your policy online, simply log in at MySinglife. From here you can choose to view or cancel your policies.

A single trip policy can only be cancelled in advance of the due start date. You will be entitled to a refund of the premium paid provided you have not travelled, and there has been no claim or incident likely to give rise to a claim. If you do not cancel your policy, it will continue in force and you will be required to pay the premium.

For annual multi-trip policy, if we are issuing this policy to you for the first time, you have the right to cancel your policy without penalty within 14 calendar days from the day of purchase of the policy; we call this period the free look period.

If, within this free look period, you inform us in writing that you wish to cancel the policy, we will cancel it from its start date and, refund you the premium paid in full as long as no claim has been admitted under the policy.

If, after the free look period or after your policy is renewed, you inform us in writing that you wish to cancel the policy, we will refund you 80% of the premium paid less a pro-rated amount for the period for which you have been covered.

You will not be entitled to a refund if you have made a claim or there has been an incident likely to give rise to a claim during the current period of Insurance.

If you do not exercise your right to cancel your policy, it will continue in force and you will be required to pay the premium.

We may cancel this policy by sending 7 days written notice to your last known address. You will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered.

Refunds will be credited to the original payment mode wherever possible within 14 working days.

Your first point of contact should always be to our Customer Services Department. You can email us at [email protected].

Your first point of contact should always be to our Customer Services Department. You can email us at [email protected]. We will acknowledge receipt of your feedback within 3 working days whilst we look into the matter you raised. We will contact you for further information if required within 7 working days and provide you with a full reply within 14 working days.

If you are dissatisfied with our response, we will refer you to an independent dispute resolution organization; the Financial Industry Disputes Resolution Centre Ltd (FIDReC).

FIDReC's contact details are:

Financial Industry Disputes Resolution Centre Ltd.
36 Robinson Road
#15-01 City House
Singapore 068877

Telephone: +65 6327 8878
Email: [email protected]
Website: www.fidrec.com.sg
Fax: +65 6327 8488

Important - Please remember to quote your policy reference in your communication.

Yes, you (and also your spouse, children, parents and siblings too) are absolutely eligible for a 30% discount off your travel insurance premium! Click here to buy.

If you're covered under MINDEF/MHAs core scheme only and want to upgrade to the voluntary scheme to get discounts and other goodies, call our Singlife Relationship Consultants at 6827 8000 (Mondays to Fridays excluding Public Holidays, 8:45am to 5:30pm). Or email us at [email protected]