Singapore Expats Forum

Travel insurance - recommendations?

Discuss travel and holidays tips and advice here.
AuntieMabel
Member
Member
Posts: 31
Joined: Mon, 05 May 2014

Travel insurance - recommendations?

Postby AuntieMabel » Mon, 22 Sep 2014 10:54 pm

I'm about to leave for a 6-9 month stint in Singapore. I've been looking at options for travel insurance to cover our trips around the region.

What's the rough cost of annual multi-trip insurance from there? And is there any firm you'd recommend? (or, conversely, suggest I steer clear of).

Annoyingly I can't get a quote online until I have a full Singapore address, which I won't have until I get there. So would appreciate your input.

User avatar
ecureilx
Immortal
Immortal
Posts: 9266
Joined: Fri, 20 Aug 2010

Re: Travel insurance - recommendations?

Postby ecureilx » Tue, 23 Sep 2014 7:15 am

AuntieMabel wrote:I'm about to leave for a 6-9 month stint in Singapore. I've been looking at options for travel insurance to cover our trips around the region.

What's the rough cost of annual multi-trip insurance from there? And is there any firm you'd recommend? (or, conversely, suggest I steer clear of).

Annoyingly I can't get a quote online until I have a full Singapore address, which I won't have until I get there. So would appreciate your input.


you can't get travel insurance in SG unless you have some residency / pass

the exception is / was MSIG.

lowest cost is Direct Asia, though benefits / coverage maybe not what you are looking for.

if you just need a simple cover they will do

but if you are looking for less deductibles and more coverage, look around ....

PNGMK
Director
Director
Posts: 4852
Joined: Thu, 21 Mar 2013

Postby PNGMK » Tue, 23 Sep 2014 8:03 am

Most online airticket bookings direct with an airline allow you an option to buy basic travel insurance as an add-on. That may do until you are more settled.

curiousgeorge
Reporter
Reporter
Posts: 549
Joined: Thu, 03 Jan 2008
Location: Singapore

Postby curiousgeorge » Tue, 23 Sep 2014 9:03 am

Between $200 and $600 for an annual policy, based upon the level of cover you want and the geographical region.

If you look at the Citibank webpage you can see premiums without applying. They are underwritten by ace insurance and are as about as good as any of them when claiming.

Girl_Next_Door
Reporter
Reporter
Posts: 612
Joined: Thu, 28 Aug 2008

Postby Girl_Next_Door » Tue, 23 Sep 2014 10:12 am

We saw this NTUC advert on movie theatres and thought it was good. When the husband checked for details, its largely the same as the policy that we have, just good marketing.

Our annual travel insurance is with tenet (bought online) since 2009. I have claimed different occasions (pick pocketed, twice for flight cancellation, once for volcano eruption hence flight cancelled, another is for accident and can't travel) since I took with them and never had an issue with the claims. Same reason why we are still using them.

User avatar
ecureilx
Immortal
Immortal
Posts: 9266
Joined: Fri, 20 Aug 2010

Postby ecureilx » Tue, 23 Sep 2014 12:43 pm

PNGMK wrote:Most online airticket bookings direct with an airline allow you an option to buy basic travel insurance as an add-on. That may do until you are more settled.


the insurance that comes together / offered with flights, offer limited coverage ..

PNGMK
Director
Director
Posts: 4852
Joined: Thu, 21 Mar 2013

Postby PNGMK » Tue, 23 Sep 2014 1:26 pm

ecureilx wrote:
PNGMK wrote:Most online airticket bookings direct with an airline allow you an option to buy basic travel insurance as an add-on. That may do until you are more settled.


the insurance that comes together / offered with flights, offer limited coverage ..


True but better than nothing.

User avatar
JR8
Immortal
Immortal
Posts: 16514
Joined: Wed, 24 Mar 2010
Location: K. Puki Manis

Re: Travel insurance - recommendations?

Postby JR8 » Tue, 23 Sep 2014 2:55 pm

AuntieMabel wrote:I'm about to leave for a 6-9 month stint in Singapore. I've been looking at options for travel insurance to cover our trips around the region.

What's the rough cost of annual multi-trip insurance from there? And is there any firm you'd recommend? (or, conversely, suggest I steer clear of).

Annoyingly I can't get a quote online until I have a full Singapore address, which I won't have until I get there. So would appreciate your input.


Are either you or your husband qualified SCUBA divers? As Divers Alert Network (aka DAN, a non-profit org) offer very competitive insurance in parallel with membership. I paid approx S$140 last time, for annual multi-trip, 24hr helplines, everything up to global evacuation for dive medicine, and for dive-trip and non-dive trips there's what one might call 'standard holiday insurance cover' and so on.

I'm due to renew in October and will add my non-diving wife to the policy. And as she's excluded from a material element of the possible risk, I'd expect the cost of adding her to be some fraction of my cost. It's a veritable bargain in this day and age.

http://www.danap.org/index.php

AuntieMabel
Member
Member
Posts: 31
Joined: Mon, 05 May 2014

Postby AuntieMabel » Wed, 24 Sep 2014 6:21 pm

Thanks all. I'll take a look at those recommendations. Just looking for standard annual travel, non-US, for cancellation/theft/etc.

(We don't scuba, else that'd be a good option... sadly I buggered my eardrums some years ago so I'm not allowed).

Thank you!

User avatar
the lynx
Governor
Governor
Posts: 5239
Joined: Thu, 09 Dec 2010
Location: Midgar

Postby the lynx » Thu, 25 Sep 2014 8:50 am

The ones purchased with flight booking not only have limited coverage, they also only cover for that single trip.

You may consider Ace's Got-It-Covered travel insurance if you are looking at multi-trip travel insurance for affordable price. I got mine when Standard Charted had a promotion for card holders at $88 annually. Now it is $128 annually. And so far so good. I claimed twice so far (misdirected baggage, flight cancellation). But you need to be a resident in Singapore to apply (in your case, with your foreign employment visa).

My only peeve is that it doesn't list volcano eruption as one of the claimable natural disasters. Gave me a heart attack when the customer service officer dropped that bomb on me when I was in Iceland few weeks ago, in between two eruptions on top of that.

Thank goodness, I never needed the cover in the end as the eruptions were/are without ash cloud (which could have start the no-fly-zone episode again like in 2010), and the lava flow was towards the opposite direction from where I was. But I will remember this the next time I fly around volcano-peppered regions.

User avatar
JR8
Immortal
Immortal
Posts: 16514
Joined: Wed, 24 Mar 2010
Location: K. Puki Manis

Postby JR8 » Thu, 25 Sep 2014 9:40 am

@ Lynx
For this reason I take a hard-copy of my travel insurance policy with me when I travel. This way I can carefully review it's terms/exclusions before I first make contact with them. Can't recall resorting to that though, but better forearmed.

I'm surprised that the volcano issue was excluded. Perhaps it falls into the black-hole category of exclusions 'Act of God'?

User avatar
the lynx
Governor
Governor
Posts: 5239
Joined: Thu, 09 Dec 2010
Location: Midgar

Postby the lynx » Thu, 25 Sep 2014 9:54 am

JR8 wrote:@ Lynx
For this reason I take a hard-copy of my travel insurance policy with me when I travel. This way I can carefully review it's terms/exclusions before I first make contact with them. Can't recall resorting to that though, but better forearmed.

I'm surprised that the volcano issue was excluded. Perhaps it falls into the black-hole category of exclusions 'Act of God'?


Oh I have mine in electronic form so that I can access wherever and whenever I am. Just that it didn't cross my mind that volcano eruption is excluded.

Our friends joked that it might have been written by Singaporeans because that's the only thing that Singapore doesn't have (volcano). :mrgreen:

RaisinTea
Newbie
Newbie
Posts: 7
Joined: Tue, 30 Sep 2014

Re: Travel insurance - recommendations?

Postby RaisinTea » Sun, 12 Oct 2014 3:33 am

Generally, depending on the destination, I assess accordingly to the risks I will face. Theft or earthquakes or... inefficient city where flights, trains or transports will get cancelled... I then make the call respectively. I'll then compare the cost of each concern across the different insurance and see what's the best coverage a certain firm has to offer. MSIG is pretty good I'd say!


  • Similar Topics
    Replies
    Views
    Last post

Return to “Travel & Holidays”

Who is online

Users browsing this forum: No registered users and 1 guest