Travel Insurance Claims
We understand the frustration of making travel claims. So we have made the process as swift and convenient as we can for your sake.
What you need to know.
Go Digital! For Greater Convenience & Sustainability
As part of Income’s ongoing effort to streamline and digitalise services, from 15 November 2023 onwards, we will transition to full digital submissions through our travel claims portal for Travel claim submissions.
Except FlexiTravel Hourly Insurance and Government/School Travel Programme.
For FlexiTravel Hourly Insurance, you may submit your claims here.
For public agencies on VITAL’s travel programme, you may submit your claims here.
For school trips under a group travel programme, you may submit your claims here.
Your claims must be made within 30 days of the insured incident.
All relevant documents and information must be submitted together with your claims.
It usually takes 10 working days to process your claims after all required documents are received. The processing time may be longer during travel peak period.
Your queries answered.
No, death claims due to disease are not payable. The Travel Insurance policy only pays for death claims caused by accident.
You can only claim for dental expenses if an accident happened while you are overseas and the treatment is necessary to restore your sound and natural teeth. It is subject to the limit of the policy contract.
No, medical expenses related to pregnancy are not claimable as the Travel Insurance policy excludes pregnancy and childbirth.
Yes, follow-up medical treatment incurred within 30 days upon returning to Singapore is claimable.
Yes, you can if it is not a pre-existing condition and the injury or illness occurred during your overseas travel.
The Travel Insurance policy allows you to claim for medical expenses incurred for:
Yes, you can as long as the practitioners are registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within three days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.
The emergency medical and travel assistance services available are:
You will need to pay for the expenses incurred for the services that are not covered under your travel insurance.
Yes, you can if you decide not to proceed with the trip. You will be able to claim for the non-refundable and irrecoverable travelling / accommodation expenses paid in advance (including cancellation fee) to recover from your travel agency, airline or hotel.
No, you will not be able to make a claim for trip cancellation due to busy work schedule as this is not one of the reasons covered under the policy.
Yes, you can if your medical condition is not pre-existing. You will be able to claim for the transport expenses and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). You will also be able to claim for additional economy class transport expenses and accommodation expenses for a standard room for your return to Singapore. You must ask for a refund of prepaid expenses from the transport or accommodation provider first. We will reduce the claim by the amount that the transport or accommodation provider has refunded you.
Yes, the policy covers travel delays if the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of delay.
No, you will not be able to make a claim for losses arising from unattended belongings.
You will need to report the loss to the local police or a relevant local authority (e.g. hotel or airline) within 24 hours of the incident. You will also need to obtain a copy of the report for any subsequent claim.
No, the Travel Insurance excludes loss or damaged item covered under any other insurance policy or which had been reimbursed by the carrier, hotel, tour operator, travel agency or others.
No, you are not able to make a claim for this case.
The Travel Insurance policy only covers baggage delay under the following conditions:
Yes, you can still submit the claim for our review.
You should take note that in the absence of the original purchase receipts, it is more difficult for us to accurately assess their value. This may result in a further revision of the claim payout after adjusting for depreciation or wear and tear.
No, you are not able to make a claim for items confiscated or retained by customs or authorities.
No, the Travel Insurance policy only reimburses you for any excess or deductible* which you are liable for due to an accident while you are overseas. This includes loss or damage to a rental vehicle during the rental period.
*Excess or deductible: The amount the insured will be required to contribute before they can make a claim.
Get in touch with us.