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Travellers Insurance Info

This is an introductory guide to help you better understand insurance protection you can purchase when you travel. It gives you basic information to help you make an informed decision when purchasing travel insurance policy.


What is travel insurance?


You purchase a travel insurance to cover yourself and/or your family against travel-related accidents, losses or interruption. The coverage is usually limited to the period of your travel. However, some insurance companies may offer various combinations of protection to cater to the specific needs of customers, including long-term annual policies if you are a frequent traveller.




Scope of cover

The scope of cover and scale of benefits differ between insurance companies and you should shop around to ensure that you purchase a policy which best meets your requirements. The coverage commonly provided under a travel insurance policy include:

  • Personal accident
  • Medical and its related expenses
  • Loss of travel deposit or curtailment of journey
  • Loss of baggage, personal effects and money
  • Loss of passport
  • Personal liability
  • Delayed baggage
  • Travel delay
  • Hijacking
  • Repatriation
You can take a travel policy for you and/or your family members. If you purchase a family policy, coverage for each family member is apportioned from the total sum assured. In the case of a claim, compensation payable will be in accordance to the portion allocated to each member and should not exceed the sum assured in total.


Please note that if you are above a certain age limit, you may not be able to obtain a travel insurance policy.

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