Why do I need Travel Insurance?
Travel Insurance is important because it provides protection against a variety of incidents that could be very expensive to cover yourself. If you unexpectedly suffer a medical emergency while travelling, the medical costs abroad could run into the thousands of dollars. You could also be forced to extend your stay or repatriate, both of which would wreak havoc on your existing travel plans and be very expensive.
The right travel insurance policy can protect you against all that risk. It can give you peace of mind, knowing that you’ll be looked after both physically and financially.
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What does Travel Insurance cover?
Lost Baggage or Possessions
If your luggage or possessions are lost on its way to your destination, loss of baggage cover allows you to claim for its full or partial value.
This can protect you if you have to cancel your travel plans at the last minute due to injury or illness, or perhaps a bereavement.
If you or a family member are injured or fall seriously ill abroad, emergency repatriation can cover the costs of bringing you home.
This will insure your luggage or personal belongings on the way to your destination, as well as while you're out and about on holiday.
If you're travelling with a pre-existing medical condition, you will need to declare this when getting a quote from us.
If bad weather, corporate strikes or breakdowns disrupt your flight or ferry, you can claim for delays over a stated length of time.
What if I have pre-existing conditions?
It is vital to have medical cover if you are travelling with a pre-existing medical condition. You may need healthcare or medication while travelling and the costs of paying for it out of pocket could be enormous as your avenues of easy access to medication will not be the same as back home.
Not all insurance providers will offer cover for pre-existing conditions as standard. Some insurers may not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you need Travel Insurance that covers pre-existing conditions, do let us know, and we will only show quotes from insurers who will cover pre-existing conditions, with no exclusions.
Can I get Travel Insurance that covers COVID-19?
Yes, you can find and compare Travel Insurance policies with COVID-19 cover. Most insurers offer emergency medical treatment and repatriation for COVID-19 related claims. You should also be able to find coverage for flight and accommodation costs if you’re forced to extend your stay. It is also important that you read the exact coverage carefully, as they differ among providers.
It’s always best to check the latest government travel advice before you travel, as it will explain anything you may need to do before travelling abroad and returning home. You should also check the latest entry requirements and other advice for each country you’re visiting or travelling through. Travel rules and requirements can change at short notice.
How much does Travel Insurance Cost?
The price of your policy depends on several factors including:
- How long you are travelling for
- How extensive is your coverage
- Number of people you are travelling with
- Whether you have any existing medical conditions
- Additional coverage such as Golf Equipment, Sport Equipment, Pet Care
What kind of add-on benefits can I include?
To cover loss or damage of golf equipment due to theft or natural disaster; or accidental damage in public place.
When you are delayed in returning to Singapore as scheduled, causing you to incur additional kennel or cattery fees for your pet, and you have a claim relating to your delay under any section of the policy.
To cover for loss or damage to your sports equipment while overseas due to theft or natural disaster; or accidental damage in a public place.
Rental Vehicle Excess
If your rental vehicle is lost or damaged due to an accident overseas, of which you are named driver or co-driver, and you become liable for the damage excess. The 'Rental Vehicle' refers to any passenger vehicle that you hire for the purpose of private and leisure use and not for practise or speed trial.
What are the two types of Travel Insurance?
Here's how the two types of Travel Insurance differ:
Annual Travel Insurance (also known as Multi-Trip Travel Insurance) is an insurance policy that provides cover for those who plan to travel often within the span of one year. Thus, an insurance policy would offer economies of scale in terms of price premium versus Single Trip Travel Insurance.
Single Trip Travel
Single Trip cover is a travel insurance policy for a one-off holiday. If you travel on holiday just once a year, Single Trip Insurance will be better value than an Annual Travel Insurance Policy.
Contact us for policy quotation,
comparison and unbiased advice now!