Get up to 30% off Single Trip Plans and 10% off Annual Multi-Trip Plans when you purchase InsureTravel today! T&Cs apply.
Benefits
Extensive coverage including COVID-19
Receive essential coverage before, during and after your trip; from trip cancellations and overseas medical expenses to get-well benefits. Exclusions apply.
Automatic policy extension due to COVID-19
Should you be hospitalised or quarantined overseas due to COVID-19, your policy will automatically be extended for 14 days without additional premiums.
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Get up to 30% off* Travel Insurance
Get up to 30% off* Single Trip Plans and 10% off* Annual Multi-Trip Plans when you purchase InsureTravel today.
*Terms and conditions apply.
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Benefits with COVID-19 cover
Trip cancellation/postponement
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Trip cancellation | $1,500 | $2,500 | $5,000 |
| Aggregate limit for family plan | $3,750 | $6,500 | $12,500 |
| • Sub-limit for trip postponement | $250 | $500 | $750 |
| • Aggregate limit for family plan | $500 | $1,250 | $1,500 |
Overseas medical expenses
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $100,000 | $150,000 | $200,000 |
| Each adult age 70 years old and above | $50,000 | $75,000 | $100,000 |
| Each child | $50,000 | $75,000 | $100,000 |
| Aggregate limit for family plan | $300,000 | $450,000 | $600,000 |
Emergency medical evacuation/repatriation
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $100,000 | $150,000 | $200,000 |
| Each adult age 70 years old and above | $50,000 | $75,000 | $100,000 |
| Each child | $50,000 | $75,000 | $100,000 |
| Aggregate limit for family plan | $300,000 | $450,000 | $600,000 |
Overseas hospital confinement allowance
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $50 per day. Max $700 |
$100 per day. Max $1,400 |
$100 per day. Max $1,400 |
| Aggregate limit for family plan | $2,800 | $5,600 | $5,600 |
Overseas quarantine confinement allowance
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $50 per day. Max $700 |
$100 per day. Max $1,400 |
$100 per day. Max $1,400 |
| Aggregate limit for family plan | $2,800 | $5,600 | $5,600 |
Trip curtailment
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $1,000 | $1,500 | $2,500 |
| Aggregate limit for family plan | $2,000 | $3,000 | $5,000 |
Get well benefit
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $100 | $200 | $200 |
| Aggregate limit for family plan | $500 | $1,000 | $1,000 |
Bereavement benefit
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $3,000 | $5,000 | $10,000 |
| Aggregate limit for family plan | $12,000 | $20,000 | $40,000 |
Before your trip
Trip cancellation
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $3,000 | $5,000 | $7,500 |
| • Sub-limit for trip postponement | $500 | $1,000 | $1,500 |
| • Sub-limit for replacement of traveller | No cover | $100 | $200 |
| Aggregate limit for family plan | $9,000 | $15,000 | $25,000 |
Loss of deposit or charges paid due to bankruptcy or insolvency of travel agent
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $3,000 | $5,000 | $7,500 |
| Aggregate limit for family plan | $9,000 | $15,000 | $25,000 |
During your trip
Personal accidental cover : accidental death and permanent total disablement
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $150,000 | $250,000 | $350,000 |
| Each adult age 70 years old and above | $50,000 | $100,000 | $120,000 |
| Each child | $20,000 | $50,000 | $75,000 |
| Aggregate limit for family plan | $400,000 | $600,000 | $850,000 |
Personal accidental cover : double payout for accidental death on a public conveyance
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $300,000 | $500,000 | $700,000 |
| Each adult age 70 years old and above | No cover | No cover | No cover |
| Each child | $40,000 | $100,000 | $150,000 |
| Aggregate limit for family plan | $800,000 | $1,200,000 | $1,700,000 |
| Repatriation expenses for mortal remains | $50,000 | Unlimited | Unlimited |
| Child's education fund | No cover | $20,000 | $20,000 |
| Limit for each child | No cover | $5,000 | $5,000 |
Overseas medical expenses : medical, dental and other expenses
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $200,000 | $500,000 | $750,000 |
| Each adult age 70 years old and above (combined limit with emergency medical evacuation & repatriation benefit) |
$100,000 | $125,000 | $150,000 |
| Each child | $100,000 | $200,000 | $200,000 |
| Sub-limit for pregnancy related medical expenses | No cover | No cover | $10,000 |
| Aggregate limit for family plan | $800,000 | $1,600,000 | $2,000,000 |
Overseas medical expenses : emergency medical evacuation and repatriation
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | Unlimited | Unlimited | Unlimited |
| Each adult age 70 years old and above (combined limit with emergency medical evacuation & repatriation benefit) |
$100,000 | $125,000 | $150,000 |
| Each child | $500,000 | Unlimited | Unlimited |
Overseas medical expenses : traditional chinese medical and/or chiropractic treatment expenses
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $200 | $300 | $500 |
| Individual plan | $800 | $1,200 | $2,000 |
| Mobile phone charges for emergency medical assistance | $100 | $200 | $300 |
Overseas medical expenses : hospital confinement allowance
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $5,000 | $10,000 | $15,000 |
| Limit for each complete hospital day stay | $100 | $200 | $300 |
| Aggregate limit for family plan | $15,000 | $30,000 | $45,000 |
Compassionate support
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Compassionate visit by a relative or friend | $3,000 | $5,000 | $5,000 |
| Child caretaker | $3,000 | $5,000 | $5,000 |
Travel inconvenience : baggage delay
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $1,000 | $1,200 | $2,000 |
| • Limit for each full 6 consecutive hours delay whilst overseas | $100 | $200 | $200 |
| • Lump sum limit after full 6 consecutive hours delay in Singapore | $100 | $200 | $200 |
| Aggregate limit for family plan | $2,500 | $3,000 | $5,000 |
Travel inconvenience : travel delay
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $1,000 | $1,200 | $2,000 |
| • Limit for each full 6 consecutive hours delay whilst overseas | $50 | $100 | $100 |
| • Lump sum limit after full 6 consecutive hours delay in Singapore | $50 | $100 | $100 |
| Aggregate limit for family plan | $2,500 | $3,000 | $5,000 |
| Flight deviation | $500 | $1,000 | $1,500 |
| Limit for each full 6 consecutive hours | $50 | $100 | $100 |
Travel inconvenience : travel misconnection
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $50 | $100 | $200 |
| Aggregate limit for family plan | $100 | $250 | $500 |
| Overbooked scheduled public conveyance whilst overseas | No cover | $100 | $200 |
Travel inconvenience : trip curtailment
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $3,000 | $5,000 | $7,500 |
| Aggregate limit for family plan | $9,000 | $15,000 | $25,000 |
Travel inconvenience : trip disruption
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $1,000 | $1,500 | $1,500 |
| Aggregate limit for family plan | $3,000 | $4,500 | $4,500 |
| Un-utilised entertainment ticket | No cover | $200 | $500 |
| Baggage and personal effects | $2,000 | $5,000 | $7,500 |
| Individual plan | $2,000 | $5,000 | $7,500 |
| • Limit per article or pair or set of articles | $500 | $800 | $800 |
| Aggregate limit for family plan | $5,000 | $12,500 | $20,000 |
| Personal money and travel documents | $3,000 | $5,000 | $5,000 |
| Sub-limit for money | $250 | $500 | $500 |
| Hijacking | $3,000 | $5,000 | $7,500 |
| Limit for each full 6 consecutive hours | $100 | $100 | $200 |
| Kidnapping | $3,000 | $5,000 | $7,500 |
| Limit for each full 12 consecutive hours | $100 | $100 | $200 |
Exclusive cover for UOB Cardholders
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Credit card indemnity | $250 | $500 | $750 |
| Sub-limit for phone charges for calling UOB Card Centre | $50 | $100 | $150 |
Other covers
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Credit card liability protector | $1,000 | $3,000 | $3,000 |
| Personal liability | $500,000 | $1,000,000 | $1,000,000 |
| Rental vehicle excess | No cover | $750 | $1,500 |
| Home protection (limit per household) | $3,000 | $5,000 | $7,500 |
| Sub-limit for burglary | $500 | $1,000 | $1,000 |
| Act of terrorism (excludes nuclear weapon or device or chemical or biological agent) | Covered | Covered | Covered |
| Travel assistance while overseas | Covered | Covered | Covered |
After your trip
Follow-up medical expenses upon return to Singapore
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Each adult below age 70 years old | $10,000 | $25,000 | $50,000 |
| Each adult age 70 years old and above | $5,000 | $10,000 | $15,000 |
| Each child | $5,000 | $15,000 | $17,500 |
| Aggregate limit for family plan | $50,000 | $100,000 | $150,000 |
Hospital confinement allowance in Singapore (combined limit with overseas hospital confinement allowance)
| Maximum limit per insured person | Basic plan | Essential plan | Preferred plan |
| Individual plan | $5,000 | $10,000 | $15,000 |
| • Limit for each complete hospital day stay | $50 | $100 | $150 |
| Aggregate limit for family plan | $15,000 | $30,000 | $45,000 |
Frequently asked questions
General
- Who is eligible to buy InsureTravel?
The Insured Person must be a Singapore Citizen or Singapore Permanent Resident living in Singapore or hold a valid Employment Pass or Work Permit to work in Singapore or hold a Dependent Pass or Long-Term Visit Pass to stay in Singapore. Each trip must start and end in Singapore within the period of insurance. - Does InsureTravel cover me for claims related to COVID-19?
Yes, InsureTravel covers claims related to COVID-19. The Insured Person will only be eligible for the COVID-19 Cover if he/ she fulfils all approved vaccinations, pre-departure tests and post-arrival tests requirements (if any) necessitated by the destination country or transport operator. You need not submit the test results or proof of vaccination when you purchase your travel insurance policy. However, you must furnish it when you submit a claim related to COVID-19. - I perform an Antigen Rapid Test (ART) before my trip and the result is “Positive”. I have to cancel my trip. Will InsureTravel cover my trip expenses?
Yes, InsureTravel will reimburse the irrecoverable expenses if your trip is cancelled due to a positive COVID-19 diagnosis or if you are being served a quarantine order during the period which coincides with the scheduled Trip departure date. This cover is effective only if the insurance is purchased three (3) days or earlier from the commencement of the Trip. Please note that this travel insurance does not cover any costs associated with test kits. - Can I still apply if I have just recovered from COVID-19?
Yes, you may still apply as InsureTravel does not classify COVID-19 as a pre-existing condition. - How is ‘Family Plan’ defined in InsureTravel?
Family Plan consists of you and/ or your legal spouse with any number of your Children travelling together for the entire Trip.
For the Annual Multi-Trip Family Plan, the Child must be accompanied by at least one of the Insured Adults for any Trip during the Period of Insurance. Child means a fully dependent child under the Age of eighteen (18) years or up to twenty-three (23) years who is studying full-time in a recognised institution of higher learning and is neither married nor in employment on the start date of the Period of Insurance stated in the Certificate of Insurance. - Is there any age limit?
The Applicant must be aged between eighteen (18) to eighty (80) years old to purchase a Single Trip policy. The cover limit for certain benefits will be reduced for Insured Persons aged seventy (70) years old and above. Please refer to the Policy Wording for more information. - Can I purchase InsureTravel for my family or friends?
Yes, you may. Please obtain their consent prior to the purchase and inform them accordingly upon successful purchase of InsureTravel. - Does InsureTravel cover one-way trips?
No, InsureTravel does not cover one-way trips. - When will InsureTravel cover begin?
For Single Trip Plan, the insurance starts when the Insured Person leaves his/ her place of residence or business in Singapore (whichever is later) to begin the Trip until the time of return to his/ her place of residence or business in Singapore or the expiry of the Certificate of Insurance (whichever is the earlier) on completion of the Trip.
Trip Cancellation starts thirty (30) days from the scheduled trip departure date and not upon issuance of Certificate of Insurance. - Who should enrol for an Annual Multi-Trip policy?
We highly recommend that a frequent traveller takes up an Annual Multi-Trip Policy as it is more cost-effective and convenient. The policy is issued for one (1) year where an individual can make unlimited number of Trips to the selected geographical area and the duration for each Trip must not exceed ninety (90) days. - I am travelling to a few countries during the same trip, how do I choose my geographical area for an Annual Multi-Trip plan?
Please choose the geographical area based on the furthest country on your itinerary. - If I cancel my insurance policy after the online purchase of InsureTravel, can I get a premium refund?
For Single Trip Plan, we will refund the premium paid less a minimum premium of $25 per insured person for Individual Plan and $25 per Family Plan. We will not refund any amount less than S$5. No refund of premium will be made if the Trip has commenced, or any claim is made under the policy issued. For Annual Multi-Trip Plan, at least thirty (30) days written notice must be submitted to UOI and the refund of premium is based on the short period rates stated in the policy, provided no claim is made prior to the policy cancellation. Any refund of insurance premium will be made to the same card that was used to pay for the insurance premium at the time of purchase. - What is the mode of payment for online purchase of InsureTravel?
We accept Mastercard and Visa credit or debit cards, and American Express card. - When do I know if my online purchase is successful?
Upon successful payment, a copy of the Certificate of Insurance will be sent to your registered email. A Short Message Service (SMS) text will be sent to the mobile number you provided in your online application to inform you that your application is successful. - When will I receive my insurance documents after the online purchase is made?
The Certificate of Insurance and Policy documents will be sent to your registered email upon successful payment. - Who can I contact in the event of medical emergency or travel assistance?
You may contact UOI 24-hour Emergency Assist Hotline at +(65) 6222 7737. - How do I file a claim for InsureTravel?
Please contact our appointed claims handling agent, Broadspire by Crawford & Company, at 6632 8639 during their business hours. All claims must be notified not later than thirty-one (31) days after expiry of the insurance policy. - Who can I contact if I wish to make an amendment to my travel details?
You may contact us at 1800-221 6588 from Monday to Thursday, 8.45am to 5.45pm and Friday, 8.45am to 4.45pm. Alternatively, you may email your enquiry to ser_dev@uoi.com.sg.
Important information
Frequently Asked Question (FAQs)
Insure Travel Promotion Terms and Conditions
Simple claim process
InsureTravel coverage
Click here for full listing
Policy cancellation request
For Single Trip policies purchased from 1 Nov 2022 to 31 Dec 2022, you may submit your policy cancellation request here.
Important notice and disclaimers
The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
Policy Owners’ Protection Scheme
These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
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