COVID-19 Travel Insurance FAQs

Yes, as long as your trip begins on 10 April and onwards, you will automatically enjoy the enhanced COVID-19 coverage. You can refer to the latest policy conditions here.

There is no need to have a copy of your policy with the new policy conditions to enjoy the enhanced COVID-19 benefits.  Our claims department will assess the COVID-19 claims based on the new benefit limits.

For each reprint request, you will need to pay an administrative fee of $21.60 (inclusive of GST).

No, the enhanced COVID-19 coverage will be provided to all applicable policyholders at no additional premium.

As we are not charging additional premiums with the enhanced COVID-19 cover, we need to focus only on the essential coverage of being protected while overseas. Most travellers who require medical treatment upon their return to Singapore can tap on their existing local medical insurance plans instead.

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 of their trip.

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.

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 27b - 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 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. 

Quarantine facility means any dedicated facility appointed by the local authorities overseas to confine, isolate, hold, or treat individuals diagnosed with COVID-19. Quarantine facility does not include hotels which are also open to individuals who are not under mandatory quarantine and residences.

Under Section 4 – Trip disruption, 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 27b responds, will not be covered.

Yes, we will automatically extend your period of insurance for up to 14 days while you are overseas, under this policy at no extra premium if you must stay in hospital or are quarantined in a quarantine facility overseas due to COVID-19 as advised by a medical practitioner or local authorities, and you cannot complete your trip when the policy ends.

Quarantine facility means any dedicated facility appointed by the local authorities overseas to confine, isolate, hold, or treat individuals diagnosed with COVID-19. Quarantine facility does not include hotels which are also open to individuals who are not under mandatory quarantine and residences.

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.

To file a claim under this section, we require the following supporting documents:

- COVID-19 positive test result by an approved test provider or a medical practitioner

- A written confirmation from the overseas government authorities on the nature and period of quarantine

- Negative test result by an approved test provider or a medical practitioner

- Invoice/receipt of the extra expenses incurred (i.e., accommodation & transport)

- Written refundable or non-refundable confirmation from the service provider for the unused prepaid accommodation and transport expenses

Please note that this list of documents is not exhaustive. Other documents may be requested if necessary.

Under general conditions clause 2 (Automatically extending cover), your policy will automatically be extended for up to a maximum of 14 days if the following criteria are met:

a) you are diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner while overseas; and

b) COVID-19 benefits in sections 27a and/or 27b apply to you; and

c) you have to stay in hospital or are quarantined overseas in a quarantine facility as advised by a medical practitioner or local authorities; and

d) you cannot complete your trip when the policy ends.

If you do not meet any of the criteria above, your policy will not be automatically extended and you will need to pay additional premium to extend your trip beyond what was originally scheduled.

If your travelling companion tests negative for COVID-19 and decides to stay behind with you, they will need to pay additional premium to extend their trip beyond what was originally scheduled.

No.

You may file a claim for the following sections, whichever is applicable:

- Section 1 - Cancelling your trip

- Section 2 - Postponing your trip

- Section 3 - Shortening your trip

- Section 4 - Trip disruption

Policy terms and conditions will apply.

You can call our 24/7 Medical Emergency Hotline at (65) 6338 1222 for assistance.

No, Section 27b – Overseas quarantine allowance due to COVID-19 is only payable if you are placed under mandatory quarantine in a quarantine facility 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.

Quarantine facility means any dedicated facility appointed by the local authorities overseas to confine, isolate, hold, or treat individuals diagnosed with COVID-19. Quarantine facility does not include hotels which are also open to individuals who are not under mandatory quarantine and residences.

We will rely fully on you fulfilling the requirements of the destination country. You will be eligible for the COVID-19 coverage as long as you fulfil all vaccination, pre-departure tests and post-arrival tests requirements (if any) imposed by the destination country or transport operator at the time the trip is booked.

You need not submit the test result or proof of vaccination at the time of purchase but if this is required by the destination country or transport operator, you must furnish it when submitting a COVID-19 benefit claim. For avoidance of doubt, you are not required to furnish the test result or proof of vaccination if this is not mandated by the destination country or transport operator.

If you have purchased your policy three days (or earlier) from the day you leave Singapore, we will respond to claim arising from COVID-19 for benefits stated below, whichever is applicable:

- Section 1 - Cancelling your trip

- Section 2 - Postponing your trip

Yes. Under Section 4 – Trip disruption, we will pay for expenses for extra economy-class transport (air, sea or land travel) or the administrative fees to change your ticket, and the accommodation of a standard room for you to continue with your original scheduled trip.

You must provide documentation from a medical practitioner, local authorities, or the airline to show that you are forced to change your original itinerary as a result of COVID-19.

No, your policy will not be automatically extended.

However, you can extend your policy via Travel Insurance online endorsement portal and pay additional premium to extend your trip beyond what was originally scheduled. Please note that we will not pay for any claims arising from known events.