Travel Insurance Coverage for COVID-19

From 3 December 2021, all per trip and yearly plans will automatically include the following COVID-19 benefits.  

For Standard per-trip policies, travellers can enjoy COVID-19 benefits for the first 90 days of each trip.

For Enhanced PreX per-trip policies, travellers can enjoy the COVID-19 benefits for each trip, which is up to a maximum of 30 calendar days in a row.

For Standard yearly plans, travellers can enjoy COVID-19 benefits for multiple trips in a year, however, note that each trip must not last more than 90 calendar days in a row.

For Enhanced PreX yearly plans, travellers can enjoy COVID-19 benefits for multiple trips in a year, however, note that each trip must not last more than 30 calendar days in a row. For more details on this, please refer to Q13.

 

COVID-19 Benefits

 

Maximum Benefit (S$) for each trip

Per insured person Family total1

Section 27a – Cancelling your trip due to COVID-19

Overall section limit per event

 

 

2,000

 

 

6,000

Section 27b – Postponing your trip due to COVID-19

Overall section limit per event

 

 

2,000

 

 

6,000

Section 27c – Shortening your trip due to COVID-19

Overall section limit per event

Limit for extra expenses to return to Singapore

 

 

2,000

500

 

 

6,000

1,500

Section 27d – Trip disruption due to COVID-19

Overall section limit per event

Limit for accommodation expenses per room per night

 

 

2,000

400

 

 

6,000

400

Section 27e – Medical expenses overseas due to COVID-19

Overall section limit per event

 

 

150,000

 

 

450,000

Section 27f – Emergency medical evacuation and sending you home due to COVID-19

Overall section limit per event

 

 

 

150,000

 

 

 

450,000

Section 27g – Overseas quarantine allowance due to COVID-19

Overall section limit per event

Benefit per day per insured person

 

 

1,400

100

 

1,400

100

1 Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person under the family cover is only allowed the maximum benefit per insured person in the COVID-19 table of cover indicated above.

There is no coverage for claims arising from COVID-19 for all other benefits other than those stated above. Please refer to the COVID-19 Coverage Extension for more details.

Yes, you will enjoy the COVID-19 benefits as per the COVID-19 Coverage Extension if you satisfy the eligibility criteria outlined in Q6.

We do not specifically exclude countries from the COVID-19 Coverage Extension. The only countries excluded from cover in our Travel policy are: Afghanistan, Iraq, Liberia, Sudan and/or Syria.

If your trip has not started, you may contact us at 6788 1222 to cancel your policy. We will provide a full refund. You may purchase a new policy which will include COVID-19 benefits for your upcoming trip.

[Only applicable for per trip policies purchased before 15 October 2021] For reference to destinations which are classified as high-risk, please click here.

If your trip has not started, you may contact us at 6788 1222 to cancel your policy, and we will provide a full refund. You may purchase a new policy which will include COVID-19 benefits for your upcoming trip.

However, we will not provide travel inconveniences coverage for any known events which have occurred before you purchase the new policy. For example, we will not cover for Trip cancellation due to COVID-19 if you have already contracted COVID-19, have COVID-19 symptoms or possible exposure prior to the purchase of your new policy.

Travellers will be eligible for the COVID-19 Coverage as long as they satisfy all vaccination, pre-departure tests and post-arrival tests requirements imposed by the destination country or transport operator at the time the trip is booked.

The previous criteria where we require travellers to obtain a mandatory pre-departure COVID-19 diagnostic test such as COVID-19 PCR test within 72 hours before departing for the trip with a negative test result is now removed. This change will apply to all overseas travels from 4 October 2021, regardless of when the policies are issued.

We do not cover for expenses incurred for mandatory COVID-19 diagnostic tests that the traveller is required to take for the trip, such as pre-departure tests and post-arrival tests.

For travel policies activated from 15 October 2021 to 2 December 2021

For single trip plans, you are automatically insured against COVID-19 for the following benefits.

COVID-19 Benefits

Maximum Benefit (S$)

Per insured person

Per family cover

Section 27a – Cancelling your trip due to COVID-19

Overall section limit per event

 

2,000

 

6,000

Section 27b – Postponing your trip due to COVID-19

Overall section limit per event

 

2,000

 

6,000

Section 27c – Shortening your trip due to COVID-19

Overall section limit per event

Limit for extra expenses to return to Singapore

 

2,000

500

 

6,000

1,500

Section 27d – Trip disruption due to COVID-19

Overall section limit per event

Limit for accommodation expenses per room per night

 

2,000

400

 

6,000

400

Section 27e – Medical expenses overseas due to COVID-19

Overall section limit per event

 

150,000

 

450,000

Section 27f – Emergency medical evacuation and sending you home due to COVID-19

Overall section limit per event

 

 

150,000

 

 

450,000

 

For all travel policies bought from 26 Nov 2020 to 14 Oct 2021

For travel to countries not classified as COVID-19 high risk countries by us at the point of purchase of the COVID-19 Coverage, you are insured against COVID-19 for the following benefits:

Benefits

Limit per insured person

Limit per Family
(subject to limit per insured person)

Section 14 – Medical expenses overseas

up to US$100,000^

up to US$300,000^

Section 18 – Emergency medical evacuation

up to US$100,000^

up to US$300,000^

Section 19 – Sending you home

 

^The rate of US$1 = S$1.37 as of 09 September 2020 will be used to compute the claim amount in Singapore dollars (S$)

You may refer to all the past COVID-19 high risk country listing here.

If your trip has not started and you would like to get the enhanced COVID-19 Coverage, you can contact us at 6788 1222 to cancel your policy, and we will provide a full refund. You may purchase a new policy which will include the new COVID-19 benefits for your upcoming trip.

The COVID-19 benefits are automatically included for both single trip and annual travel insurance as we want all our customers to be well-protected against the risks of COVID-19.

Under Section 27g – Overseas quarantine allowance due to COVID-19, we will provide quarantine allowance of $100 per day, up to a maximum period of 14 days if you are placed under mandatory quarantine in any quarantine facilities designated by the local authorities while overseas. You must provide a written confirmation from the overseas government authorities on the nature and period of quarantine. 

Under Section 27d – Trip disruption due to COVID-19, we will pay for the extra economy-class transport or the administrative fees to change your return ticket, and the accommodation of a standard room incurred for you to continue with your original scheduled trip. Accommodation expenses incurred by you during the period of quarantine, if Section 27g responds, will not be covered.

Yes, we will automatically extend your period of insurance while you are overseas, under this policy at no extra premium for the first 14 days if you must stay in hospital or are quarantined in a quarantine facility overseas due to COVID-19 as advised by a medical practitioner.

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.

For the first 30 days of your trip, you will be covered for your pre-existing medical conditions, COVID-19 benefits and other benefits as per the normal terms and conditions.

From day 31 to day 35 of your trip, there is no coverage for you at all under the Enhanced PreX yearly plan.

If you require coverage for the entire 35 days, including coverage for pre-existing medical conditions for first 30 days, you will need to purchase 2 per-trip policies to cover you from day 1 to 35.

Policy 1 for day 1 to 30 (Enhanced PreX per trip plan): Provides pre-existing medical conditions cover, COVID-19 benefits and other benefits as per the policy terms and conditions.

Policy 2 for day 31 to 35 (Standard per trip plan): Covers you for COVID-19 benefits and other benefits listed in the policy terms and conditions. There will be no cover for pre-existing medical conditions.

Travel Insurance for Cruise to Nowhere

Yes, our Travel Insurance plan covers cruise to nowhere. You may refer to the purchase page for more information on the choice of destination country to be selected.

Our Travel Insurance offers Travel Inconvenience benefits, Personal Accident and Medical Expenses benefits, amongst other benefits, when you go on a cruise. For example, if you suffer an injury or sickness while on your cruise trip and require treatment upon your return to Singapore, you can submit a claim for the ‘Medical Expenses in Singapore’ benefit.

For COVID-19 Coverage Extension, you will be eligible for the following benefits:

 

COVID-19 Benefits

 

Maximum Benefit (S$) for each trip

Per insured person Family total1

Section 27a – Cancelling your trip due to COVID-19

Overall section limit per event

 

 

2,000

 

 

6,000

Section 27b – Postponing your trip due to COVID-19

Overall section limit per event

 

 

2,000

 

 

6,000

Section 27c – Shortening your trip due to COVID-19

Overall section limit per event

Limit for extra expenses to return to Singapore

 

 

2,000

500

 

 

6,000

1,500

Section 27d – Trip disruption due to COVID-19

Overall section limit per event

Limit for accommodation expenses per room per night

 

 

2,000

400

 

 

6,000

400

Section 27e – Medical expenses overseas due to COVID-19

Overall section limit per event

 

 

150,000

 

 

450,000

Section 27f – Emergency medical evacuation and sending you home due to COVID-19

Overall section limit per event

 

 

 

150,000

 

 

 

450,000

Section 27g – Overseas quarantine allowance due to COVID-19

Overall section limit per event

Benefit per day per insured person

 

 

1,400

100

 

1,400

100

1 Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person under the family cover is only allowed the maximum benefit per insured person in the COVID-19 table of cover indicated above.

There is no coverage for claims arising from COVID-19 for all other benefits other than those stated above. Please refer to the COVID-19 Coverage conditions for more details.

You may purchase travel insurance for your cruise to nowhere trip via our website: https://insurance.income.com.sg/travel-insurance.

Yes, our travel insurance plans do offer coverage for pre-existing illnesses for cruise to nowhere. You may learn more about our Enhanced PreX Travel Insurance plans at https://www.income.com.sg/travel-insurance.

Yearly Travel Insurance Administrative Matters

You may call us at 6788 1222, write in to us at plines@income.com.sg, or contact your advisor to cancel your current policy and get a pro-rated refund. Thereafter, you may activate a new yearly plan with the COVID-19 cover. The additional premiums you will have to pay for the COVID-19 cover are:

Cover Type Asia Worldwide
Individual Plan $40/year $150/year
Family Plan $120/year $450/year

If you are renewing your yearly plan and are eligible for the travel renewal bonus, we will accord the travel renewal bonus to you under the new policy.

If you have not made a claim in your current policy, you will get a pro-rated refund based on the unused period of insurance, without any admin fees charged.

If you have made a claim in your current policy, you will get a pro-rated refund based on the unused period of insurance, with a 15% admin fee charge. We will still provide refunds even if it has been more than 180 days from the start date of your policy.

You may call us at 6788 1222, write in to us at plines@income.com.sg, or contact your advisor to renew your yearly plan with the COVID-19 cover. The additional premiums you will have to pay for the COVID-19 cover on top of the main plan premiums are:

Cover Type Asia Worldwide
Individual Plan $40/year $150/year
Family Plan $120/year $450/year

 

You will be able to renew your policy without the COVID-19 cover. However, you will not be able to include COVID-19 cover midway through your policy year. You may purchase a new policy at a later stage when you need the COVID-19 cover.

If your trip has not commenced, you may call us at 6788 1222, write in to us at plines@income.com.sg, or contact your advisor to cancel your existing policy. We will provide full refunds for the COVID-19 endorsements, and pro-rated refunds (as per Q2) for your main plan.

However, we will not provide travel inconveniences coverage for any known events which have occurred before you purchase the new policy. For example, we will not cover for Trip cancellation due to COVID-19 if you have already contracted COVID-19, or have COVID-19 symptoms or possible exposure prior to the purchase of your new policy.

If your trip has already commenced, we will not be able to provide a refund for the COVID-19 endorsement. When you return from your trip, you may cancel the policy, we will provide you with pro-rated refunds (as per Q2), and you may take up a new policy with COVID-19 cover for your next trip.

Travel Insurance Premium Refund

Yes, we will provide a full premium refund (even if policy is bought during a promotion period) if the cancellation of policy is due to reasons above and your policy has yet to commence.

You can call us at 6788 1222 (Mon-Fri, 9am-6pm) to request for a cancellation of your policy. 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 by sending your request via our online form before your trip starts.

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.

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