InsureTravel

1. What are the new enhancements for InsureTravel?
   As of 1 July 2024, InsureTravel has been enhanced to include, but is not limited to the following:
   • Increased limit for Overseas Medical Expenses to up to $1,000,000
   • Increased Annual Multi-Trip age eligibility
   • Added ‘Cancel for any reason’ cover
   • Added Pet Hotel cover
   • Introduced optional benefit cover such as Sports Equipment, Adventure Sports and Golf Holiday
   For more details, please refer to the Policy Wording.
   
   
2. What does ‘Cancel for Any Reason’ benefit cover?
   We will reimburse you 50% of all accommodation and transportation costs incurred as a result of the entire trip being cancelled for any reason other than of those covered under Trip Cancellation.
   
   Applicable only if you purchase this travel insurance plan within 7 days of making your initial payment or deposit for your trip.
   
   
3. I'm taking part in adventure sports overseas e.g. skiing, scuba diving or trekking, will I be covered?
   We offer you the option of extending coverage to include the following high-risk activities under our optional Adventure Sports cover.
   
   The policy will cover regular sports and activities such as tennis, basketball, cycling, golf, running, swimming, fishing, snorkeling, surfing, hiking up to 1,500m in altitude without opting for the Adventure Sports cover.
   
   
4. I’m bringing my sports equipment on my trip; will my equipment be covered?
   We offer you the option to purchase Sports Equipment cover as an optional benefit, to cover loss, theft or accidental damage to your equipment while overseas (e.g. skis, snowboards, poles, ski boots, scuba diving equipment etc).
   
   
5. Am I eligible to buy InsureTravel?
   You must be a Singapore Citizen or Permanent Resident living in Singapore, or hold a valid Employment Pass, Work Permit, Dependent Pass or Long-Term Visit Pass to work or stay in Singapore. Your trip must start and end in Singapore.
   
   
6. What are the countries in each geographical area?
   For Single Trip policy:
   Area 1: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, and Vietnam.
   Area 2: Australia, China (excluding Tibet), Hong Kong, India, Japan, South Korea, Macau, New Zealand, Sri Lanka, Taiwan, and all countries in Area 1.
   Area 3: All countries excluding: Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia, and Yemen.
   
   For Annual Multi-Trip policy:
   Area 4: Australia, Brunei, Cambodia, China (excluding Tibet), Hong Kong, Indonesia, India, Japan, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, South Korea, Sri Lanka, Thailand, Taiwan, and Vietnam.
   Area 5: All countries excluding: Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia, and Yemen.
   
   
7. Do I qualify for a Family Plan?
   A Family Plan covers you and/or your legal spouse with any number of your children travelling together for the entire Trip.
   
   On the start date of the policy, your child must not be married nor employed, and must be 18 years old and below, or 23 years old and below if studying full-time in a recognised institute of higher learning.
   
   For Annual Multi-Trip Plan, child(ren) who is/are below the age of sixteen years must be travelling and accompanied by at least one adult insured within this Policy for any Trip made during the Period of Insurance.
   
   
8. Is there any age limit?
   You must be between 18 and 80 years old to purchase InsureTravel. For Annual Multi-Trip, the enrolment is between 18 and 75 years old. The cover limit for certain benefits will be reduced for insured persons aged 70 years old and above.
   
   
9. Can I purchase InsureTravel for my family or friends?
   Yes! Please obtain their consent prior to the purchase and inform them accordingly upon successful purchase of InsureTravel.
   
   
10. Do you cover one-way trips?
    No. Each trip must start and end in Singapore.
    
    
11. When will InsureTravel cover begin?
    For each trip, cover commences once you leave your residence or business in Singapore to begin the trip and lasts until you return to your place of residence or business in Singapore, or the expiry of the Certificate of Insurance (whichever is earlier). Trip Cancellation cover starts 30 days from the scheduled departure date.
    
    
12. Should I buy an Annual Multi-Trip policy?
    If you’re a frequent traveller who travel more than 3 times a year, we highly recommend that you purchase an Annual Multi-Trip policy, as it is more cost-effective and convenient. The policy is issued for a year, allowing you to make an unlimited number of trips (not exceeding 90 days consecutively) to the selected geographical area.
    
    
13. I plan to travel to multiple countries over the course of a year. Which geographical area should I select for an Annual Multi-Trip policy?
    Please select the geographical area based on the furthest country you intend to travel to.
    
    
14. If I cancel my policy after purchasing it online, am I eligible for a refund?
    For a Single Trip policy, 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 $5. No refund of premium will be made if the trip has commenced, or any claim is made under the policy issued.
    
    For an Annual Multi-Trip policy, at least 30 days written notice must be submitted to us, and the premium refund will be based on the short period rates stated in the policy, provided no claim is made prior to the policy cancellation. Any premium refund will be made to the payment card used at the time of purchase.
    
    
15. How can I make payment?
    We accept Mastercard, Visa and American Express cards.
    
    
16. How do I know if my online purchase is successful?
    Upon successful payment, a copy of the Certificate of Insurance and policy documents will be sent to your registered email, and a confirmation SMS will be sent to your mobile number.
    
    
17. Who can I contact in the event of a medical emergency or travel assistance?
    You may contact our 24-hour Emergency Assist Hotline at (+65) 6222 7737.
    
    
18. How do I file a claim?
    Please contact our appointed claims handling agent, Broadspire by Crawford & Company at (+65) 6632 8639 during their business hours. All claims must be filed no later than 30 days after expiry of the insurance policy.
    
    
19. Who can I contact if I wish to make an amendment to my travel details?
    You may contact UOI at 6222 7733 during business hours to make arrangement. Alternatively, you may email to contactus@uoi.com.sg.
    
    UOI’s business hours
    Monday to Thursday: 8:45am to 5:45pm
    Friday: 8.45am to 4.45pm
    
    Closed on weekends and public holidays.

28/03/2025: Due to the earthquake in Myanmar and Thailand (Bangkok), this is a known-event on or after 28 March 2025 where our travel insurance does not cover any claim if you have booked your trip, purchased your policy and/or are travelling to or transiting through Myanmar and Thailand (Bangkok).

20/07/2024 : Due to the ongoing violence and demonstrations in Bangladesh, this is a known-event on or after 20 July 2024 where our travel insurance does not cover any claim if you have booked your trip, purchased your policy and/or are travelling to or transiting through Bangladesh.

12/03/2024 : Due to the ongoing civil unrest in Haiti and high risk of violent crime, this is a known-event on or after 12 March 2024 where our travel insurance does not cover any claim if you have booked your trip, purchased your policy and/or are travelling to or transiting through Haiti.

18/10/2023 : Due to the latest developments in Israel-Hamas War, this is a known-event on or after 7 Oct 2023 where our travel insurance does not cover any claim if you have booked your trip, purchased your policy and/or are travelling to or transiting through Israel, Lebanon, Egypt and Jordan.

InsureTravel Promotion Terms and Conditions

View promotion terms and condition 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 General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).