TRAVEL INSURANCE

Travel insurance coverage is usually limited to the period of your travel. However, some insurance companies may offer various combinations of protection to cater to the specific needs of customers, including long-term annual policies for a frequent traveller.


A travel insurance can be purchased for you and/or your family to insure against travel-related accidents, losses or interruptions, such as :

  • Personal acciddent
  • Medical-related expenses
  • Loss of travel or accommodation expenses due to cancellation or curtailment of the journey
  • Losing your baggage, belongings and money
  • Losing your passport
  • Personal liability
  • Delayed baggage
  • Travel delays
  • Hijacking
  • Repatriation

CHOOSING A POLICY

When you're taking up a travel insurance policy, always:

  • Shop around to find the policy that best fits your requirements.
  • Check with your insurance company what personal effects can be covered under travel insurance, as it differs between insurance companies.
  • Ensure that your insurance company has a good network of foreign affiliates which can provide you with assistance when you need it.
  • Check whether your insurance company provides 24-hour emergency hotline services. This is important should anything go wrong while you are overseas and need help
  • Read the policy exclusions carefully, to know what can prevent you from claiming from your policy.

WHAT SHOULD I DO IF THERE IS DAMAGE OR LOSS WHILE I TRAVEL

Even though you are covered by travel insurance, you must also do all you can to try and protect, save and recover your belongings that are lost or damaged. You should also contact the travel policy's medical and emergency assistance hotline if you need immediate help, notify the authorities in charge of the area and notify the insurance company as soon as possible.

BENEFITS

While most travel insurance offer similar benefits, the scope of coverage and scale of benefits varies between insurance companies.

For more information, you can download our booklet on travel insurance.