Travel Insurance Coverage Frequently Asked Questions (FAQs)
What's covered and who can benefit
Get all the answers you need on our travel insurance coverage. Can't find what your answers? Send us an email.
What plan type should I get?
Individual Plan if you're travelling alone.
Group Plan if traveling with 1 or more friends/ relatives. You get to enjoy a group discount when your group size is more than 2.
Family Plan if travelling with your spouse and children. You can include up to 4 children who are aged between 15 days and 18 years old or until 24 years old if they are in full-time tertiary education. If there are only 2 members travelling, you should choose our individual or group plans.
What are the countries in zone "Asia" and "Worldwide" for your Annual Travel Plans?
|Australia||Brunei||Cambodia||China (excluding Tibet)|
|New Zealand||Philippines||South Korea||Sri Lanka|
|Cambodia||China (excluding Tibet)|
|South Korea||Sri Lanka|
For Worldwide: Those listed above and all other countries.
Please note that we do not cover you for the following countries: Afghanistan, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen.
I’m going to include my family on my travel policy. Do I get a discount?
Yes, you get a special family package rate for taking the family travel insurance plan which covers you, your spouse and up to 4 children who are aged between 15 days and 18 years old or 24 years old if they are in full-time tertiary education. Your children can go free on the Family Plan with you and your spouse.
What happens if my flight is delayed and I've only got a single trip cover? Will I still be covered if I don't get back to Singapore when planned?
We'll automatically extend your policy regardless of annual or single trip cover, if your flight is delayed or you are injured and you can't get back home on your scheduled date.
Is there a limit to the number of days I can travel on a single trip policy?
Our single trip plans can cover you for trips up to 90 days.
Is there a limit to the number of trips I can take if I have your annual policy?
Our annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.
How much cover should I get?
That will depend entirely on your needs and considerations. Factors to consider:
- How much your family would need without your salary to support them should you become disabled or involved in a fatal accident?
- How much expense you need to cover for you and/or your family in case of trip delay or cancellation based on the hotel and flight you booked?
- What are the necessary coverage you need and what would you want to add on for greater peace of mind?
How is my insurance premium calculated?
Your premium is calculated based on a number of factors including duration, destination, extreme sports, number of travellers. Your premium is also based on the level of coverage you choose.
Am I covered if my flight is cancelled or delayed and I'm stranded overseas because of a natural disaster such as a volcanic eruption?
We will help pay you if your trip is disrupted or you become stranded because of natural disasters or if there has been an unexpected civil commotion that prevents you from continuing with the scheduled trip. You are also covered for additional hotel stays and costs incurred on your return to Singapore.
What if I wish to cancel or amend my trip after an act of terror has happened at the destination that I'm planning to travel to?
In the case of an act of terror happening near to where you intend to travel to, and within 50km of your booked accommodation, we understand that you may decide to cancel, curtail, or amend your insured trip. So, if you purchase your policy from 2 February 2018 onwards, we will pay for any irrecoverable transport and accommodation expenses for which you have paid or are contracted to pay if you decide to cancel, curtail or amend the trip. The incident must take place after you have booked the trip and within 30 days before you were due to start the insured trip for you to be able to cancel or amend the trip.
We will also pay such costs if you have already travelled and there is an attack within 50km of your booked accommodation and you wish to return back to Singapore early.
If I'm hospitalized overseas, and I wish for my family member to be with me, will my plan cover them as well?
We understand that when you travel on your own, having a family member or friend with you overseas after you fell sick or are injured during the trip, makes the hospitalization stay feel more bearable. So, if you purchase your policy from 2 February 2018 onwards, we will pay up to the limits, depending on your policy purchased, the cost of reasonable return economy class transport and reasonable hotel accommodation expenses to allow one family member or friend to travel to be with you if you are hospitalised for at least five continuous days overseas.
I'm taking part in a sporting activity overseas e.g. skiing, scuba diving, trekking or a triathlon, will I be covered?
We offer you the option of including coverage for Extreme Sports and Activities with your annual policy - recreational activities perceived as involving a high degree of risk. When you have opted and paid for the Extreme Sports and Activities optional benefit then you will be covered up to the limits listed under the travel insurance plan you purchased when participating in the following sports or activities:
- organized races where you are competing against others such as triathlon, cycling and obstacle races
- winter sports such as skiing and snowboarding
- hiking or trekking up to 4,000m in altitude (without ropes or specialist equipment)
- martial arts, boxing or other similar activities
- sports tours where you are competing against other teams in contact sports (e.g. rugby).
With the Extreme Sports and Activities optional benefit, you will be covered for the following activities or sports provided that you have a licensed guide and a registered operator:
- off-piste skiing
- trekking, hiking or mountain biking in extreme or hazardous areas, rock climbing, caving, pot holing or mountaineering or any similar activities that require the use of ropes
- scuba diving (up to a depth of 30m)
- parachuting, sky diving, paragliding, parascending, bungee jumping, hang-gliding, or other similar activities
- white/black water rafting, canoeing or kayaking
- water skiing, wakeboarding, windsurfing, kitesurfing or other similar activities
- all-terrain vehicle (ATV), go-kart, sand buggy or similar (you must wear a helmet).
We do not cover the following even if you have opted and paid for the Extreme Sports and Activities optional benefit:
- sports where you are participating as a professional or for any incentive or reward
- speed time trial or any form of race other than on foot, cycling or swimming
- trekking or hiking above 4,000m in altitude
- BASE jumping, wing suit flying or other similar activities
- ski jumping, bobsleigh, skeleton and heli-skiing or other similar activities
- taking part in any of the activities without a licensed guide where we have said they are required.
I am going overseas to receive medical treatment, will I be covered?
We do not cover people who have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.
Are there any countries where I won't be covered?
We do not cover you for the following countries: Afghanistan, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen.
I will be bringing my sports equipment as part of my trip, will my equipment be covered?
Starting 2 February 2018, as part of your trip, you may choose to include the Sports Equipment Optional Benefit as part of your annual policy to help cover for loss, theft or accidental damage to your equipment whilst overseas on an insured trip e.g. your skis, snowboard, scuba equipment, golf clubs.
I’m bringing my foreign domestic helper (maid) along for a family trip. Will she be covered under the family travel insurance plan?
Starting 2 February 2018, you may choose to include your contracted foreign domestic helper as an Optional Benefit under your family travel insurance plan when she is travelling with your family. We will pay for any losses you incur e.g. medical expenses, medical evacuation & repatriation, emergency phone charges, trip cancellation, or curtailment or delay. This policy will only kick in after you have exhausted the coverage under your compulsory maid cover where applicable (e.g. for medical matters) and you must prove you have done so. Any claims resulting from your maid will count towards ‘Per Family Limit’ specified in each of the sections covered
Does your travel insurance cover 'Cruise to nowhere'?
Yes, you may select 'Vietnam' as the furthest destination for this trip.
We also wish to highlight on the non-coverage for Covid related claims unless you have taken up our COVID-19 Travel optional benefit.
Can I add COVID-19 Travel optional benefit ?
COVID-19 Travel optional benefit is only available for Single Trip policy up to a maximum of 90 days per trip duration. See our COVID-19 FAQs.
For complete information, see our Policy Documents & Wording
DirectAsia Travel Insurance Policy Details