Travel Insurance

Compare & Get the Best Promotions

Top 5 Tips for buying 
Travel Insurance 

Annual Policy


Annual policies: for more than 5 trips a year 

Buy policies without special conditions


Buy policies without special conditions

Split out your bags max out cover


Split out your bags max out cover

Pre-existing Cover


Get pre-existing cover if needed

Buy Specialist Cover


Buy specialist cover

Do you need Travel Insurance?

Most people don't realise that their employer's Travel Insurance policy does not cover personal trips. So before you travel, make sure that you check that your employer's Travel Insurance covers you for your overseas holidays too. Otherwise, you should purchase specific Travel Insurance covering the period of your holiday.

Remember that your children and elderly parents should also be covered by Travel Insurance because one of the most important benefit of Travel Insurance is the medical coverage and emergency repatriation. Emergency repatriation may not be covered by many hospitalization plans and it is costly to arrange it yourself.

Equally important are the benefits that you get if your baggage is delayed, or if your trip was cancelled. 

Top 5 Travel Insurance Tips!

1. Single or Annual Travel Insurance policy?

Save money by purchasing an annual policy if you travel six to nine times a year. Otherwise single trip policies would give you better value for money.

2. Buy "standalone" Travel Insurance

Travel Insurance that is bought when you purchase your airline ticket may have special conditions that require you to only take their airlines for transportation. This is not a situation that you would want during an emergency.

3. Split out the baggages

Check-in staff sometimes check-in all luggages under one name in the group for convenience. If you are travelling in a big group and everyone has their own Travel Insurance, remember to split out the luggages and tag them under each person. If you make a claim, you claim for the luggage under your name, maximising the total cover within the group.

4. Does Travel Insurance cover pre-existing conditions?

Unless the cover specifically says that it covers pre-existing conditions, assume that it does not. So if you are aware of any conditions that may cause an issue during travel, best to buy cover that includes pre-existing conditions. This will be clearly highlighted when we show you the side-by-side comparison of products.

5. Some Travel Insurance policies have special benefits.

There may be additional benefits that are trip specific and you should consider these when making your purchase. For example:

  • If you are planning to play sports, you should get a policy with good medical coverage.
  • If you are pregnant, you may want to buy a policy that explicitly provides coverage for pregnant women.
  • If you are planning to go hiking at high altitudes, make sure that the policy covers you for the highest altitude you intend to go.  
  • Planning to go outlet shopping? If you intend to buy many expensive items on your trip, you may want to consider a policy with a higher baggage claim limit.

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Referral Programme

Travel Insurance is also eligible for the Refer a Friend programme. Refer your friends and family for Travel Insurance and get DIY$10 for each referral.

DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.

How to refer:
Simply ask your friend to select "Referral" during the application process and key in your email address or referral code when they apply for Travel Insurance here

Referral Reward
DIY$10 each

* Only applicable if your friend has not bought any insurance policy through InsureDIY before. Minimum $40 spend.

How do you find the most suitable Travel Insurance?

NTUC Income, MSIG, AXA, Sompo, Tokio Marine and more...

The top 5 to 6 products are shown side-by-side for easy comparison.

The key categories of benefits: overseas medical treatment and emergency repatriation; loss or delay of baggage and delay or cancellation of trip are available across all plans. However, the claim limits may differ. 

Key features are highlighted in our comparison tables for your convenience!

7 SG Logo MSIG

MSIG Travel Insurance

TravelEasy

Best all round cover, providing a great combination of high medical cover, amateur sports cover and baggage & travel delay compensation.

1 SG Logo INCOME

AXA Travel Insurance

SmartTraveller

The only policy that covers pregnant women in their second trimester. Other Travel Insurance policies typically do not cover pregnant women.

5 SG Logo AXA

AXA Travel Insurance

SmartTraveller

With unlimited medical evacuation, you do not need to worry about costs of transporting yourself home for full medical treatment.

3 SG Logo Liberty

Liberty Travel Insurance

TourCare Plus

Best for travel to China! Includes the Liberty China Card which gives you deposit-free hospital admission to selected hospitals in China, Hong Kong and Taiwan. 

4 SG Logo Sompo

Sompo Travel Insurance

TravelJoy

Worried about Zika? Sompo's Travel Insurance now covers for trip cancellation and expenses due to the Zika virus.

2 SG Logo TokioMarine

Tokio Marine Travel Insurance

TM Xplora

Covers trekking to the highest altitude of 4,500m above sea level. Also has the highest baggage & travel delay covers!

The above table is for illustration only, click "Get A Quote" to see the latest products, quotes and discounts.

Here are some common questions
about Travel Insurance

1. Can I get a refund if I wish to cancel my Travel Insurance?

We can only cancel your application if the policy has not been issued. Once the policy is issued, there is no refund of premium should you terminate a single trip policy. You may be able to obtain a small refund for an annual policy if you cancel the policy early during the policy period without having made any claims.

2. Should I buy a family cover?

The price of a family cover will be cheaper than buying Travel Insurance for each person separately. However, som benefits limits may be lower.

3. What should the start and end date of my Travel Insurance policy be?

The start date should include the date that you plan to travel out of Singapore. The end date will be the date that you land in Singapore. This may not be the same date that you fly out of the country that you are visiting.

4. If I intend to visit several countries, what should I select as my destination country?

Simply select the country that is furthest away from Singapore.

5. I am not based in Singapore. Can I purchase Travel Insurance here?

The Travel Insurance available here are for travellers who are resident in Singapore and intend to leave and return to Singapore. If you are departing from Malaysia or Hong Kong, you may wish to visit InsureDIY Malaysia or InsureDIY Hong Kong for Travel Insurance policies.  

 

InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.