Travel Insurance

Choose a question

What is the longest period of time that I am covered for?

Can I extend the period of cover if I decide to extend my trip while I am overseas?

What are the difference among the Individual, Family and Group packages?

Can my child be covered under travel insurance when he/she travels alone with their school on an overseas excursion trip?

Am I covered for Trip Cancellation for other reasons that are not mentioned in the insured events?

Am I covered for Trip Interruption?

Does the policy cover business travel?

I am not able to travel for my business trip. Will the policy pay for a replacement traveller?

Am I covered for travel delays?

What does the Rainfall Protection cover?

When can I apply for this Rainfall Protection coverage?

What is the claimable scenario for Rainfall Protection?

How do I know if I am eligible to claim for the Rainfall Protection benefit?

Am I covered for delayed baggage?

Will you cover loss of baggage?

What is meant by "personal belongings"?

Do you cover damage to sports equipment that is used during a trip?

Am I covered for loss, theft or accidental damage of valuables or personal money?

Am I covered for loss of passport/travel documents?

Am I covered for unauthorised charges made on my stolen credit cards while I'm overseas?

What should I do if any of my belongings are lost or stolen? Is a police report required?

If I, or an insured person on my policy, have an existing medical condition, can I/they still have cover under the policy?

Does being pregnant affect my travel insurance cover?

I may participate in sports and leisure activities while I'm away. How will I know if they are covered?

What kind of activities are considered Dangerous Sports and Leisure activities?

Am I covered for emergency medical treatment/services, including using an air ambulance to get home?

Who decides when emergency evacuation is necessary?

What does the overseas Wedding and Wedding Photo shoot cover?

If I have misplaced my receipts/documents, can I still claim for loss of personal items?

What type of changes do I need to tell you about?

Load more

What is the longest period of time that I am covered for?

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 and up to 90 days per trip. An annual multi-trip policy will remain in force for 12 months from the cover start date, until the end of the cover period, as indicated on the policy schedule.

Can I extend the period of cover if I decide to extend my trip while I am overseas?

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

What are the difference among the Individual, Family and Group packages?

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 the 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. A 10% discount applies to groups of at least 6 persons and a 15% discount applies to a group of 11 to 20.

Can my child be covered under travel insurance when he/she travels alone with their school on an overseas excursion trip?

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

Am I covered for Trip Cancellation for other reasons that are not mentioned in the insured events?

Yes. You may claim under Trip Cancellation For Any Reason or Change of Travelling Date or Time For Any Reason, if it isn’t due to any one of the insured events, with a Travel Plus or Travel Prestige policy purchased within seven days of making initial payment for your trip.

We’ll cover 50% of the trip’s irredeemable travel and accommodation costs, as well as entertainment tickets paid in advance before departure from Singapore, if you cancel your trip; and we’ll cover 50% of the reasonable admin fees charged by the airline or licensed travel agent, if changes are made to the travel time and date of the trip. We also cover irredeemable entertainment tickets.

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

Am I covered for Trip Interruption?

Yes, we’ll cover you for irredeemable travel and accommodation costs, as well as amounts paid in advance for entertainment tickets, and other travel and administrative expenses, if you must cut the trip and return to Singapore. This applies as well if you change any part of your trip due to:

  1. death, quarantine or serious injury or serious illness of the insured, their spouse or their children,
  2. death, quarantine or life-threatening injury or serious illness of a close relative, close business associate, travelling companion or the person that you were to stay with during your trip,
  3. the insured person or his/her travelling companion being subpoenaed as a witness in the court of law,
  4. serious damage to the insured’s residence, caused by fire, a storm or a catastrophic event,
  5. the unexpected occurrence of a strike, riot or civil commotion at the planned destination,
  6. a catastrophic event, epidemic or pandemic outbreak at the planned destination,
  7. the cancellation of a flight by the airline due to the closing off of an airport or airspace,
  8. the insured’s child being 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. insolvency of designated airline, licensed transport provider, licensed tour operator or travel agency.

Does the policy cover business travel?

Yes. Your policy will cover you for business travel, excluding any loss, damage or liability arising from manual work. Please refer to the policy document for more information about manual work.

I am not able to travel for my business trip. Will the policy pay for a replacement traveller?

Yes. If you’re unable to travel due to one of the following insured events listed below, within 30 days of departing for the trip, we’ll cover any reasonable admin and/or additional transport fees, and accommodation and entertainment costs, to bring in a replacement traveller for your business trip.

 

  1. death, quarantine or serious injury or serious illness of the insured, their spouse or their children,
  2. death, quarantine or life-threatening injury or serious illness of a close relative, close business associate, travelling companion or the person that you were to stay with during your trip,
  3. the insured person or his/her travelling companion being subpoenaed as a witness in the court of law or
  4. serious damage to the insured’s residence, caused by fire, a storm or a catastrophic event.

 

Am I covered for travel delays?

Yes. This applies if the scheduled public transport that you’re booked to travel on during your trip is delayed from the scheduled time of departure; if you’re denied boarding of the public transport for which confirmation and reservation has been made for the public transport; or if your transport is diverted and you’re delayed in arriving at your planned destination.

Additionally, you must not be the cause of the delay, and there must be no other travel arrangement made available to you by your travel agent or operator within six hours of the scheduled departure.

We’ll pay S$100 for every six-hour delay – up to the policy limits – extending from your scheduled arrival time.

What does the Rainfall Protection cover?

This is applicable for single trip policies with a minimum duration of three days only. If the accumulated rainfall level in the city of your trip destination is greater than 6.4 mm for each full 24-hour period and more than 50% of your trip duration is affected due to this rainfall level, we will pay the following amount in accordance with your plan type.

Rainfall Protection Maximum amount payable per insured per trip
Lite Plus Prestige
S$ 50 S$ 100 S$ 150
Family Package* S$ 100 (S$50 per insured adult) S$ 200 (S$100 per insured adult) S$ 300 (S$150 per insured adult)

*Under Family Package policy, we will only pay up to 2 insured adults.

When can I apply for this Rainfall Protection coverage?

This is available for all single trip policies with a minimum duration of three days and purchased from 30/08/2022 onwards.

What is the claimable scenario for Rainfall Protection?

For example, your trip duration in Australia is 8 days, and 5 out of 8 days of your trip duration (more than 50%) are affected by rainfall levels of beyond 6.4mm in a 24-hour period at the city of your trip destination. Therefore, your single trip policy will pay the limit in accordance with your plan type after our claim assessment.

Trip Date City of Your Destination Rainfall Level Greater than 6.4 mm
1 Oct 2022 Sydney Yes
2 Oct 2022 Sydney No
3 Oct 2022 Sydney No
4 Oct 2022 Melbourne Yes
5 Oct 2022 Melbourne Yes
6 Oct 2022 Melbourne Yes
7 Oct 2022 Melbourne Yes
8 Oct 2022 Melbourne No

How do I know if I am eligible to claim for the Rainfall Protection benefit?

If you have purchased a single trip policy with a minimum duration of three days and more than 50% of your trip duration are affected by the rainfall, please submit your claim through our online claim submission here. You need to submit the full details of your trip including but not limited to the country and the city of your trip. You can only declare one city per day in the claim submission. We will assess your claims and the rainfall level against ERA5 data that we obtain via our partner Arbol Inc to determine the admissibility of the claim.

ERA5 is the fifth generation ECMWF reanalysis for the global climate and weather for the past 4 to 7 decades. ERA5 provides hourly estimates of a large number of atmospheric, land and oceanic climate variables. The data cover the Earth on a 30km grid and resolve the atmosphere using 137 levels from the surface up to a height of 80km. ERA5 includes information about uncertainties for all variables at reduced spatial and temporal resolutions.
 

Am I covered for delayed baggage?

Yes. This applies 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’ll pay for the delay of at most one piece of checked-in baggage that’s tagged under your name.

We’ll pay S$200 for every six-hour delay at overseas destinations, and S$150 after a delay of six hours upon your return to Singapore.

Will you cover loss of baggage?

Yes. We’ll cover you for loss, theft or accidental damage to your personal belongings or baggage during your trip, as long as they haven’t been left unattended. We’ll pay a maximum of S$700 per item (S$500 per item for Travel Lite plan) and this is subject to our depreciation table. Please refer to the policy document for more information.

What is meant by "personal belongings"?

Personal belongings refer to luggage, clothing, binoculars, photographic equipment and other items that you wear or carry with you when you travel.

Do you cover damage to sports equipment that is used during a trip?

Not automatically. You must have purchased the optional riders of Golf Holiday, Winter Sports or Adventurous Water Sports to be eligible for coverage of such damage.

Am I covered for loss, theft or accidental damage of valuables or personal money?

Yes. If you purchase the Travel Prestige or Travel Plus plans, we’ll cover you for theft of your valuables or personal money, during your trip, up to the limits specified in your policy. There’s no cover for valuables or personal money when you purchase the Travel Lite policy.

Am I covered for loss of passport/travel documents?

Yes. If your passport or other travel documents are lost or stolen while you’re abroad, we’ll cover the administrative fees that are needed to replace the documents. In addition, we’ll also pay for additional transport and accommodation expenses incurred for the sole purpose of replacing these documents.

Please call our Emergency Travel Assistance Helpline at +65 6460 9391 for advice on replacing lost or stolen passports and other travel documents.

Am I covered for unauthorised charges made on my stolen credit cards while I'm overseas?

If your credit card is stolen, we’ll cover you for any fraudulent use of your card. This excludes any cash advances. This benefit is only applicable to the Travel Prestige policy. You must report the loss to your credit card issuer within 24 hours of the theft or robbery.

What should I do if any of my belongings are lost or stolen? Is a police report required?

You will need to report the theft or loss to the police within 24 hours of discovering its occurrence. At the same time, you should request 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 as well. These documents will be necessary when you’re making a claim.

If I, or an insured person on my policy, have an existing medical condition, can I/they still have cover under the policy?

The policy may be purchased but it won’t cover any loss, damage or liability that directly or indirectly arises as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Does being pregnant affect my travel insurance cover?

We’ll pay for:

  • Emergency medical treatment outside Singapore, within the stipulated policy limits for pregnancy or childbirth
  • Trip cancellation or trip interruption, if you’re 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. Your doctor must also certify that these conditions are not related to any pre-existing conditions.

I may participate in sports and leisure activities while I'm away. How will I know if they are covered?

The policy automatically covers you for the usual tourist activities that are accessible to the general public, without restriction. This includes those that are provided by licensed operators. To qualify for coverage, you must obey the rules (including wearing appropriate safety equipment) and act under the guidance and supervision of qualified guides and/or instructors of the operator, while carrying out the respective tourist activities. (This excludes Dangerous Sports and Leisure Activities under General Exceptions).

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

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

What kind of activities are considered Dangerous Sports and Leisure activities?

We will not cover you if you take part in any sports or leisure activities with a high, inherent levels of risk, or which is done in a manner, location or terrain thatis 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, skydiving, flying fox, BASE jumping, stunt riding, trekking above 3,000 metres altitude and canoeing above Grade 2.

Am I covered for emergency medical treatment/services, including using an air ambulance to get home?

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

Who decides when emergency evacuation is necessary?

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.

What does the overseas Wedding and Wedding Photo shoot cover?

This add-on cover is for accidental loss or damage to your ceremonial attire and accessories, loss of marriage certificate, as well as personal liability of invited guests at your overseas wedding venue. Additionally, you're covered if your wedding planner goes bankrupt or if your wedding photos are lost or damaged en route to Singapore.

The charge for this add-on is calculated per couple. So, if you and your partner are purchasing two separate insurance policies, only one of you needs to take on this option.

If I have misplaced my receipts/documents, can I still claim for loss of personal items?

It’s important that you keep the original documentation and receipts for any items that you intend to make claims for, as they will help provide more accurate assessments of their value. If otherwise, your claim may be affected.

What type of changes do I need to tell you about?

You’ll have to inform us of changes to the information and declarations that were shared as part of the travel insurance purchasing process. This will include, but not be limited to:

Your name and address; Details pertaining to your travelling companion; 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.

This webpage is published for information only and Singapore Life Ltd. accepts no liability whatsoever with respect to its use or its contents.

The information contained here is accurate as at 30 Aug 2022.