Temporary Shelter And Japanese Home Insurance Claims: What’s Covered? – Covid-19 coverage in Singapore Best travel insurance Travel during the pandemic can be worrisome. Cover yourself properly with the best travel insurance plan before your trip.
As more countries open up, many Singaporeans are excitedly making holiday plans after nearly three years. However, with all the uncertainty surrounding the outbreak and government regulations, you may face confusion over whether to book your flights and accommodation, especially if they are non-refundable.
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The good news is that travel insurance policies now cover disruptions related to Covid-19. Many offer coverage if you or a loved one is diagnosed with Covid-19 before, during or after your trip, so you can have peace of mind when booking your next vacation.
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Depending on your destination country, length of travel, and a number of other factors, insurance premiums can range from tens of dollars to hundreds of dollars. It’s best to find a balance between premiums and the coverage you need.
Pay special attention to coverage for medical expenses abroad. Most domestic insurance does not cover out-of-state expenses, and medical emergencies can easily cost more than thousands of dollars. Medical costs may also vary depending on the destination, so be sure to factor that in.
Depending on your itinerary and purpose of travel, you can opt for additional coverage. For example, if you’re an adrenaline junkie, consider getting an adventure and sports coverage plan.
In light of the current pandemic situation, it is advisable to ensure that your plan includes Covid-19 coverage. Covid-19 coverage typically includes the following benefits if you or someone in your family has been diagnosed with Covid-19 or is affected by a related disorder:
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Misinformation and fraud are rampant today, and making sure your insurance provider is trustworthy is key to avoiding fraud. There are several steps you can take to ensure the reliability of your insurance provider, such as checking that the agent is authorized by the Monetary Authority of Singapore (MAS), requesting a receipt and ensuring that the details in the policy document are correct. .
The safest option is to go with a reputable insurance provider with a proven track record, you can rest assured that your insurance provider has your back if you run into problems overseas.
Often times, you may find travel insurance plans that have the same insurance but different costs. While considering going with a cheaper option, check the fine print first. Perhaps the company has a tedious and lengthy claim process or restrictive rules in the fine print, resulting in many claims being denied. These days, some insurance companies offer a paperless claim process for a more seamless and hassle-free experience.
Depending on your insurance plan and provider, there may be additional services and features that you may find useful. For example, some insurance providers offer a 24/7 global medical assistance hotline to connect with medical care and transportation while abroad. In others, you’ll find policy details, documentation and tracking requirements, nearby medical facilities, police stations or embassies, and even medical translation features.
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If you find these extra features useful, keep them in mind when purchasing your travel insurance plan.
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Depending on the country you are visiting, you must meet the requirements for Covid-19 travel insurance. For example, Singapore requires inbound short-term travelers to participate in travel insurance for a minimum of $30,000 for Covid-19-related medical expenses.
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Here are the estimated premiums and Covid-19 coverage for different travel insurance policies for a 7-day trip around the world:
Note that the figures above are for the most basic plans offered by each travel insurance provider. Most of them offer higher coverage plans but of course also have higher premiums.
FWD offers affordable travel insurance plans with Covid-19 coverage. At $51.60 for a week of travel to most destinations, including the U.S., FWD Premium is one of the lowest premiums on this list, but its coverage is limited to the minimum limit.
The good thing about the FWD Premium travel insurance policy is that the medical expenses and hospitalization benefits are applicable up to 14 days after your return, which not all plans offer.
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Another affordable travel insurance plan with Covid-19 coverage is Klook x MSIG Lite Travel Insurance. From just $34.40 for a one-week trip to Thailand to $88 for a trip to the US, its fares are comparable to FWD, but their Covid-19 coverage is different.
Although MSIG provides overseas quarantine allowance, its hospitalization allowance, medical expenses, and travel cancellation or disruption fees are lower compared to FWD.
Importantly, please note that the Covid-19 cover will cease immediately upon return to Singapore, and this plan only covers the 30-day travel period and cannot be extended.
For a comprehensive plan that already includes coverage for Covid-19, look no further than AIG Travel Guard. Under this policy, a one-week trip to Japan will be reimbursed $68.
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Although the plan provides reasonable coverage, it misses out on several factors such as hospitalization allowance, pre-trip change, and even if you decide to return to Singapore early.
You have the right to upgrade to standard, enhanced or premium plans for better coverage overall. However, note that these plans provide higher reimbursement for existing benefits, but they do not provide additional benefits such as hospitalization allowance.
Instead of adding it, Allianz has added Covid-19 coverage to existing travel insurance plans. This means that while its coverage for medical expenses is significantly higher than the other plans above, it does not provide benefits for travel delays or hospitalization and quarantine due to Covid-19.
You can get the Allianz Single Travel Bronze plan for $49 for a one-week trip to Thailand, or $112 for a trip to the US.
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For those looking for a more comprehensive plan that includes personal accident and travel interruption coverage, Allianz also offers two travel insurance plans in addition to Silver and Platinum.
At the time of renewal (November 9, 2022), Allianz is also offering a 12% discount on their travel insurance when you use the promo code ‘Travel12’.
From 1 February 2021, the AXA SmartTraveller plan has been updated to better suit the travel needs of Singaporeans. The most basic plan, AXA SmartTraveller Essential, costs $157.02 for a week’s travel to most countries and includes the following Covid-19 travel insurance coverage:
While the coverage for Covid-19 medical expenses on the Essential plan is considered low compared to other plans on this list, AXA covers medical expenses incurred within 90 days of your trip, which is quite generous. For higher coverage, you may want to upgrade to the Comprehensive plan, which covers $150,000 for Covid-19 treatment.
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Another distinguishing feature of AXA SmartTraveller plans is their flexibility when it comes to travel curtailment requests, including in cases where a family member passes away due to Covid-19 or there is an outbreak of Covid-19 in the destination country.
For a week’s travel to most destinations, the NTUC Income Classic plan costs $149. In addition to personal accident cover, the plan includes the following Covid-19 travel insurance coverage:
All NTUC Income travel insurance policies purchased online now include Covid-19 cover for the first 90 days of each trip. However, note the exclusions as they do not include travel inconveniences caused by border closures and government advisories.
To increase your coverage, you can opt for NTUC Income’s Deluxe or Premium travel insurance plans. Also, if you are looking for a travel insurance policy that covers pre-existing conditions, NTUC Income is also one of the few providers that offer it. Their enhanced PreX travel insurance starts at $194 for a week.
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At the time of update (November 9, 2022), there will continue to be a 40% discount on single travel travel insurance policies purchased online.
The Sompo Essential plan costs $129 for a week’s travel to most countries around the world, and includes the following Covid-19 travel insurance coverage:
In terms of coverage, the Sompo Essential plan has most of the Covid-19 benefits offered by other plans. In addition, travel cancellation, delay and curtailment benefits apply not only if you contract Covid-19, but also if your traveling companion, who is insured by Sompo, is also infected.
However, please note that Sompo only covers Covid-19-related medical expenses for 45 days (or up to a maximum) from the first day of treatment. Any medical expenses incurred after 45 days
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