Travel Insurance Coverage For COVID-19

No, COVID-19 is currently considered a known event from 9am on 4 March 2020 and there will be no coverage for any claims arising from COVID-19 if you activate your travel insurance now for trips to anywhere in the world because it is foreseeable that one’s health or trip would be affected by the COVID-19 situation.

Even though the Singapore government is now opening up our borders and starting to allow general travel to certain countries (i.e. Brunei and New Zealand with effect from 1 September 2020), any claims arising from COVID-19 are still not covered if you travel to these countries.

Yes. However, the Singapore government has advised everyone to defer all other forms of travel. If you wish to travel against the government’s advice, there will be no coverage for any claims arising from COVID-19. As the situation is fluid, please keep yourself informed regarding COVID-19 updates on general travel from the local news media.

For policies bought after 9am on 4 March, there will be no cover for claims due to COVID-19.

For policies bought before 9am on 4 March, , we will cover the non-refundable portion of your claim, after you have sought refund from your transport and accommodation provider if:

You have purchased your policy: For trips starting: For travel to:
Before 8pm on 20 Jan 2020 From 20 Jan 2020 Wuhan
Before 7pm on 27 Jan 2020 From 27 Jan 2020 Rest of Mainland China
Before 6pm on 23 Feb 2020 From 23 Feb 2020 Daegu and Cheongdo in South Korea
Before 9am on 4 Mar 2020 From 4 Mar 2020 The rest of South Korea, Japan, Iran and Northern Italy
Before 9am on 4 Mar 2020 From 12 March 2020 The rest of the world

Apart from trips permitted under the Singapore government’s advisory,  everyone has been advised to defer all other forms ofoverseas travel. If you wish to continue with your trip, we will not cover any claims resulting from COVID-19, including medical expenses, medical evacuation and repatriation. However, you will still be covered for claims resulting from other causes, e.g. accidents or other illnesses.

No, this is because the airline or hotel has provided a full refund in the form of credits/vouchers/open tickets. We will only cover the non-refundable portion of your claim.

If you do not receive any claim payout under your policy, you can choose to cancel your policy and receive a full refund.

Submitting Trip Cancellation / Postponement / Shortening / Disruption Claims

For travellers who have upcoming trips in the next 30 days
Referring to pages 6-8 of the travel policy terms and conditions, under Cancelling your trip and Postponing your trip, we will only pay for the transport and accommodation costs that you are unable to get refunds for, provided conditions stated in Q2  above are met.

For travellers who are in the affected areas now or are overseas but travelling to affected areas
Referring to pages 8-11 of the travel policy terms and conditions, under Shortening your trip and Trip Disruption, we will pay for the transport and accommodation costs that you are unable to get refunds for, and extra economy-class transport expenses and accommodation expenses for you to return to Singapore. Please note that we will not cover any travels which are against the government’s travel advisory.

For all travellers, you must ask for a refund of any such expenses from your transport or accommodation provider first. Do refer to the travel policy terms and conditions for the full details of what we will and will not pay.

You must submit your claims within 30 days of your original intended date of travel.

You can make your claims online or via mail. Find out more here.

You’ll need to prepare the following before filing your claim:

  • Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
  • Tour itinerary and tour booking invoice or receipt
  • Travel agency/airline/accommodation provider’s written confirmation on the cost of non-refundable prepaid travelling expenses (including cancellation fees)
  • Your (or the claimant's) bank account details.

Travel Insurance Premium Refund

Yes. We understand that your travel plans may be affected due to the COVID-19 outbreak. We’re offering full refunds on your Travel Insurance premium for plans to any destination, for travel dates that are on or before 31 December 2020, as long as your policy has not commenced. If your policy has commenced we will not be able to provide the refund to you.  

All our Travel Insurance single-trip plans are eligible:

  • Standard Plans (Classic, Deluxe, Preferred)
  • Enhanced PreX Plans (Basic, Superior and Prestige)

You can request for a cancellation of your policy by calling us at 6788 1222 (Mon-Fri, 9am-6pm). If your policy is eligible for the refund, we’ll process your cancellation request within 3 working days and you can expect to receive your refund via cheque within 14 working days.

If you are not submitting a claim for your original itinerary, you may proceed to make changes via our Online Endorsement Portal before your trip starts. We do not charge administrative fees for changes made by you via our online portal. If you are submitting a claim for your original travel itinerary, you’ll need to purchase a new Travel Insurance policy for your new trip.

Unfortunately, we are unable to provide you with a full refund of the insurance premium. A full refund of the premium is only eligible for Travel Insurance plans that have been purchased for travel dates on or before 31 December 2020. We will monitor the COVID-19 situation and may revise these date accordingly.

However, you still have the flexibility to cancel your Travel Insurance plan and get a refund on the insurance premium, subject to a one-time administrative fee of $21.40 for processing the refund, regardless of the amount of premium paid, provided the cancellation request is made before the start of the trip and no claims have been made.