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Consumer Insight

July 9, 2024

Should You Get Travel Insurance? What You Should Know About Protecting Your Trips

Are you headed abroad for the summer? Planning a road trip before school starts again? You've put a lot of thought and planning into your vacation. And, you've spent a lot of money on flights, hotels, and more. Unexpected circumstances like injury, illness, flight delays or natural disasters could cut a trip short, leaving you with unforeseen costs. But there are insurance options that can protect your finances. 

Should I get travel insurance? Before you buy a policy, ask yourself: 

• What are the chances you'll be impacted by severe weather or another event?
• How willing are you to take risks?
• How much are you willing to pay for a back-up plan?
• Do you have questionable health or is a loved one ill?

If you cannot afford to cancel and rebook your trip or your health insurance doesn't cover you abroad, you should consider travel insurance. You typically don't need travel insurance for short trips close to home.

How much does travel insurance cost?  Travel insurance usually costs between 4-8% of a trip's price, according to the U.S. Travel Insurance Association. Several factors fo into the cost like the policy holder's age, your destination, and the length of your trip. 

When should I buy travel insurance?  It is a good idea for policy holders to coverage when they book their trip.Travel insurance is intended to protect travelers against sudden and unforeseen events. Typically, if you buy travel insurance after a winter or tropical storm is named, your plan won't provide coverage for claims related to that event.

What are the different types of travel insurance?  There are several types of categories of travel insurance including:

• Trip cancellation.   Reimburses pre-paid travel expenses if you are prevented from taking your trip for a reason covered by your policy. It is typically included in every comprehensive policy. You will usually receive reimbursement if your trip is cancelled for: unexpected illness or injury of you or a traveling companion that deems you unfit to travel; hospitalization or death of non-traveling family member; weather or common carrier issues; unforeseen natural disaster at home or the destination; a legal obligation such as being called for jury duty or serving as a witness in court.
• Travel medical and major medical.  Provides protection if you become ill or injured while traveling. Travel medical insurance provides short-term medical coverage.
• Emergency medical evacuation.  Provides coverage for services such as air evacuation and medical transportation to the nearest adequate medical facility then home if warranted. This type of coverage is useful if you're traveling to a rural area without easy access to medical facilities.  In the event a person passes away during travel, repatriation coverage will cover for the insurer to handle the necessary transportation.
• Accidental death and dismemberment.  Provides coverage to beneficiaries if you die in an accident on the trip or pays a sum to you if you lose a hand, foot, limb or eyesight from an accident. Some plans only apply to an accident that occurs on an aircraft.
• Baggage loss.   Reimburses for loss of baggage or personal items. Check with your credit card company to find out if it coverages baggage loss. 
• Cancel For Any Reason (CFAR) policies .  These policies are more expensive and typically only reimburse you a percentage of your travel costs. The reason for cancellation is not relevant. There is usually a time frame for when cancellations are allowed, and you must insure all of your pre-paid and non-refundable expenses. CFAR policies are usually added as an extra option in addition to trip cancellation coverage.

Does travel insurance cover epidemics and pandemics? Travel insurance policies typically exclude epidemics and pandemics. According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

COVID-19 is a known event, meaning it is  not  likely that travel insurance policies will cover changes in plans or cancellations for that reason. Review your travel policy to find out which exclusions apply.

There may be coverage if a specific country imposes travel restrictions. Some airlines and tour companies will allow cancellations outside of an insurance policy. Additionally, travel policies with medical coverage may cover any illnesses or hospitalizations that occur during a trip, but you need to review your policy to see if your policy is one of them.

What do travel insurance policies cover?  Each type of insurance has its coverage limitations and exclusions. Be sure ask your agent or company about these before you buy a policy. 

• Travel cancellation:   Exclusions might include canceling your trip due to being detained by customs or having to cancel due to a work obligation. If your flight is delayed, you may or may not be covered. Some policies only cover trip cancellation claim if you lose more than 50% of your scheduled trip length due to a covered delay. You also must make a good faith effort to continue your travels using alternative means. A "Cancel for Any Reason" policy is an option for broader coverage but reimbursement is usually for less than the full cost of the trip.
• Travel medical and major medical insurance.  Find out if your policy requires you to obtain prior approval before seeking medical care. Also check if any pre-existing medical conditions will exclude you from coverage.
• Emergency medical evacuation/repatriation:  Coverage may not cover you if you're participating in an activity your insurer considers dangerous such as sky diving. There are specialty insurance products for some activities, such as SCUBA diving.

Will travel insurance cover my property if it is lost or stolen during a trip?  Most homeowners insurance policies cover personal property lost or stolen during a trip. Check with your insurer to see what they cover while you are traveling. If you have expensive items, you might want to add a  rider  to your current homeowners policy to cover them. 

About the National Association of Insurance Commissioners

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.

Do I need travel insurance for my summer vacation? It's complicated.

• Travel insurance can be complicated, but it's worth it if you have travel expenses that insurance would cover.
• You might not need travel insurance if you're taking a driving vacation and staying in a place where lodging is free.
• If you're leaving the country, you'll likely need travel insurance.

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If you're planning to travel somewhere this summer, you're probably thinking of buying travel insurance.

Kingsley Hopkins is. He's headed to Portugal and Iceland with his girlfriend, and he wants to make sure he's covered for things like medical emergencies or trip disruptions, "or if a volcano erupts," he said.

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But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Learn more: Best travel insurance

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that's busy.

At the same time, danger and uncertainty are lurking everywhere – wars in Europe and the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It's no wonder people are giving some serious thought to insurance. 

Older travelers are particularly worried. And they should be, said PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

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"According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities," he said.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and stand-alone travel insurance. What should you get?

You need peace of mind 

But don't just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind – knowing that if something goes wrong, you'll be taken care of.

"Knowing you're protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” said Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don't need insurance

Here's when you can skip travel insurance, according to experts:

◾ If you already have coverage. "You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization," said Jiten Puri, CEO of PolicyAdvisor.com. If you do, there's no need to buy more coverage. You're all set.

◾ If you're not traveling far. If you're taking a driving vacation and staying in a place where lodging is free, like a relative's sofa, then there's not much to insure. "If you already have health insurance, it may cover you for a domestic trip, so you don't need to think about health insurance coverage," said Joe Cronin, CEO of International Citizens Insurance .

◾ If your trip isn't insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying "yes" to optional travel insurance that your online travel agency may offer you when you're booking a trip. You might not need it.

Here's when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here's when you need the extra coverage:

◾ If you have travel expenses that insurance would cover. "If you have many prepaid, nonrefundable expenses, it's best to take out travel insurance," said Lauren Gumport, a spokeswoman for Faye Travel Insurance ."This includes things like flights, hotel rooms, tickets and activities." The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.

◾ If you're leaving the country. "Your regular medical insurance might not extend coverage beyond your home borders," said John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.

◾ If you can't afford to lose your trip. "When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions, or emergencies," explained Robert Gallagher, president of the US Travel Insurance Association (USTIA). "Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?"  

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

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How one traveler insured his summer vacation

So, how did Hopkins handle his travel insurance needs? Well, as I mentioned – it's complicated.

Hopkins said he always buys some travel insurance before he takes a trip, "but how much, and what I cover, varies," he explained.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something went wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

"We’re going to be doing a lot of hiking in Iceland," he said. "And you just never know." 

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened. 

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

"I’ve heard good things about them," he said. "Hopefully, we won’t need any of it."

How do I insure my trips?

I'm on the road about 360 days a year, so I'm always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know – that's a lot of peace of mind. 

But I've also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, New Mexico, a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

Step-by-step process to get IRCTC travel insurance

​IRCTC insurance policy​

Passengers traveling in Indian railways are entitled to the Indian Railway Catering and Tourism Corporation (IRCTC) travel insurance if they buy the tickets through the official NGeT portal and apply for a travel policy while booking tickets. The scheme is optional and only provided for CNF/RAC/ part CNF tickets at the booking.

35 paise travel insurance

The insurance provides cover in case of injury or death during a train journey. While booking an online ticket passengers has to pay Rs 0.35 per to claim insurance in case any incident occurs.

Who can claim the insurance

Only Indian citizens can claim insurance, foreigners are not eligible for the scheme. It is important to note that the passenger cannot opt for the scheme after making a reservation and it must be done while booking the ticket.

Five types of coverage

In case of fatal injuries, which result in death within 12 months of the incident, claimants get 100% of the insured amount ie. Rs 10,00,000. Upon permanent total disability, the passenger is entitled to the full insured amount. Permanent partial disability the insured person would be eligible to receive Rs 7,50,000. For minor injuries, medical expenses up to Rs 2,00,000 can be claimed. If an insured passenger dies during a trip due to an accident the insurance company will provide Rs 10,000 for the transportation of mortal remains to the passenger’s residence.

Step-by-step process

When purchasing a ticket through the official NGet portal, passengers must select the 'Travel Insurance option. The travel insurance company will send an SMS and send policy details to the registered email id. The passengers must fill out the nomination form before buying ticket.

How to avail IRCTC insurance

The passenger or their legal heir has to write a detailed statement about the claims that need to be sent to the nearest office of the insurance company within four months of the incident.

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What is Nominee? - Nominee Meaning, Types & Eligibility

Nominee meaning in insurance.

Nominees are the people/people group/institution that gets insurance benefits when the insured dies. The term nominee can be applied to individuals, institutions, companies, organizations, associations, trusts, etc.

The main reason why insurance companies prefer nominating a non-family member as the beneficiary is that non-family members are unlikely to have emotional bonds with the insured person and hence are more likely to use the insurance benefits for their benefit. In life insurance policies, nominees come in different types: beneficial, minor, non-family and successive. Each nomination has its specific eligibility criteria. The eligibility criteria vary from policy to policy. When preparing to nominate an insurance policy, remember certain essential factors that will help ensure your success. 

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Who is Nominee in Insurance?

A nominee in insurance is an individual appointed by the policyholder or policy buyer to receive the sum assured (policy benefits) in case of the policyholder's death. Close family members are appointed nominees, such as spouses, children, or parents. 

The policyholder has the right to nominate one or more individuals as nominees. According to the Insurance Act of 1938, any individual the policyholder wishes can be assigned to receive the accrued financial benefits. 

The policyholder can exercise this right when buying a policy or making a nomination. It provides reassurance that the policyholder's family will receive the financial benefit in case of any untoward incident.

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Importance of Nominee in Insurance

Regarding insurance policies, it's essential to have a nominee in place. A nominee is a person the policyholder chooses to receive the benefits in case of their death. The nominee can be any spouse, child, or family member. The nomination process is governed by Section 39 of the Insurance Act 1938. 

Having a nominee in place ensures that that person receives the policy's benefits without any legal disputes or delays. With a nominee, the legal heirs can claim and receive the benefits, leading to extended waiting periods and legal disputes regarding who gets the proceeds. Thus, nominating someone to receive the benefits is crucial to ensure the process goes smoothly in case of any unfortunate event.

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Nominee in Life Insurance - Eligibility

When you purchase a life insurance policy, the nominee is the person who will receive the death benefit in the scenario of your untimely demise. In terms of insurance, the nominee must be nominated before maturity, and this person or group of people can be changed multiple times. Ideally, immediate family members such as spouses and children are the most common choices for beneficial nominees. However, friends can also be designated as beneficiaries, but minors require a custodian. 

The nominee must be over 18 to receive the death benefit; otherwise, a trustee or custodian must receive the death benefit on behalf of the minor. Remember that the most recent nomination will always take precedence in the policy, so be sure to update your nomination regularly as your life circumstances change.

Who Is Eligible to Be Your Nominee in Life Insurance?

The following categories of individuals are eligible to be nominated in your life insurance policy:

Legal heirs – Your legal heirs, like children or wife, can be your nominee.

Immediate family members – Your parents, siblings, or family members are suitable to be your nominee. They can receive and hand over your insured sum to the person whose financial future you want to secure.

Extended family members or Friends – You can nominate your cousin, relative or any friend as a nominee. However, you have to take approval of your insurance company to appoint such a nominee.

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How Many Types of Nominees Are There?

There are four types of nominees in insurance: general, specific, successive, and contingent. For term insurance policies, there are three types of nominees: beneficial, minor, and changing. Individuals can nominee, but children and spouses are the most common choices; healthy, little, and non-family nominees are available for term insurance plans . Knowing the types of nominees can help you choose a nominee if you have no legal heir. 

With a suitable nominee, you can be sure that the insurance policy's benefits will be passed on to the rightful entities, ensuring financial security and peace of mind.

Beneficial Nominees

When it comes to term insurance planning , understanding the different types of nominees is crucial. One type of nominee is the beneficial nominee.

Beneficial nominees are immediate family members who can become the beneficial owner of a term insurance policy. This means they will have full rights to the policy, including the ability to make changes or receive the payout upon the policyholder's death. Only immediate family members, including spouses, children, and parents, can be appointed beneficial nominees.

Enlisting all immediate family members as beneficial nominees can help avoid family disputes after the policyholder's death. By understanding the eligibility requirements and different types of nominees, individuals can make informed decisions to ensure their families are taken care of in the event of their passing.

Minor Nominees

When it comes to insurance, there are two types of nominees: minor and major nominees. A minor nominee is an individual who meets all but one of the eligibility requirements, while a significant nominee meets all of the eligibility requirements. These requirements include being a citizen or permanent resident, being licensed to do business in the state where they seek the nomination, and being in good standing with their insurance company at the time of their death.

In particular, when it comes to minor nominees, they may not meet one specific requirement, such as being below the age of majority. Overall, it's essential to carefully consider these eligibility requirements to choose the suitable nominee for your insurance policy. 

Non-family Nominees

There are several types of nominees in the insurance industry, including non-family nominees. These nominees have often experienced individuals, such as directors, officers, and employees of the insurer, who have specific knowledge and expertise in the insurance field. Non-family nominees are chosen for their ability to take on responsibilities related to the policy, including handling claims and issuing payouts.

Individuals must meet specific requirements to be eligible to serve as a non-family nominee. These may include having the appropriate financial and professional qualifications and demonstrating ethical behaviour and responsibility history. Ultimately, the goal is to ensure that the nominee is well-equipped to handle the responsibilities of being named as a beneficiary in an insurance policy.

Successive Nominees

Regarding insurance, a nominee is an individual or entity designated to receive the benefits under a plan in the event of the policyholder's death. There are four types of nominees: individual, group, association, and corporation. 

A nominee can be any legal entity, including individuals, groups, associations, or corporations. Each nominee type has eligibility requirements to ensure they receive and manage the benefits properly.

One type of nominee that is worth noting is the successive nominee. This is an individual or group that another nominee nominates. There is no pre-defined limit to the number of consecutive nominations a nominee can receive. Still, each nominee must meet the eligibility requirements set forth by the policyholder and the insurer. Overall, it's essential to carefully consider who you choose as your nominee and ensure they meet all needs.

Multiple Nominees

Life insurance policies allow multiple nominees to be designated, each receiving a portion of the death benefit. There is no restriction on who can be a nominee, as individuals such as spouses or children can be named.

Term insurance policies have three types of nominees: Beneficial, Minor, and Changing nominees. One can assign successive nominees if the primary nominee fails to receive the death benefit. Nominees can also be specified to receive a percentage of the death benefit.

One such type of nominee is multiple nominees, where the death benefit is divided among many nominees. This is a common practice in life insurance policies where nominees can be family members or other individuals. Ultimately, it is up to the policyholder to choose and assign the most appropriate nominee for their insurance policy.

How to Elect Nominees in Insurance?

If you hold a life insurance policy, you are entitled to nominate a person to receive the policy benefits in the event of your death. A nominee can be anyone you choose, a family member or a friend. The nomination process is simple and can be done during the policy purchase or after. You must obtain the nominee's basic details, such as name, address, age, and relationship with the policyholder. 

Choosing a reliable and trustworthy nominee who can claim the policy benefits when the time comes is essential. One can appoint more than one nominee, depending upon the requirement. Nomination helps ensure the policy benefits go to the rightful person after the policyholder's death. So, ensure you nominate someone you trust to receive the benefits in case of any eventuality.

Frequently Asked Questions

Q1: What is the meaning of a nominee in insurance?

A: A nominee in insurance refers to the person appointed by the policyholder who will receive the policy benefits in case of the policyholder's demise. They serve as the point of contact with the insurance company and are responsible for handling the claim settlement process.

Q2: What are the types of nominees?

A: Nominees can be classified based on their relationship with the policyholder. They could be legal heirs such as a spouse or children, immediate family members like parents or siblings, or extended family members and friends. However, the appointment of non-immediate family members or friends typically requires the approval of the insurance company.

Q3: Who is eligible to be a nominee?

A: Generally, any person who is of legal age and sound mind can be a nominee. This can include legal heirs, immediate family members, extended family, or friends. In cases where the nominee is a minor, the policyholder would also need to appoint an appointee who can handle the policy until the nominee comes of age.

It is very beneficial to appoint a nominee in the life insurance policy as it allows you to enjoy tax benefits and legal protection for the family member against financial loss. Nominee insurance does not allow you to claim the insurance plan's help on a family member . However, you must ensure that the nominee understands their rights and obligations under the insurance policy and has all required documents ready before appointing them as the nominee.

Q. How does one change or update a nominee in an existing insurance policy?

A. To change a nominee, the policyholder must submit a formal request to the insurance company. This process involves filling out a nomination change form, which is available from the insurer. The policyholder needs to provide details of the new nominee. Once submitted, the insurance company updates the policy records. It's a straightforward process, ensuring the policyholder's wishes are accurately reflected.

Q. What legal rights and protections do nominees have regarding the claim process, especially in cases where there might be disputes among potential claimants?

A. Nominees are the first point of contact for the insurance company upon the policyholder's demise. Indian law ensures nominees receive the sum assured without delay. However, in case of disputes, the insurance payout may be subject to legal scrutiny. The nominee's rights are protected, but they might have to prove their claim in court if challenged. It's designed to protect the policy benefits from wrongful claims, ensuring they go to the rightful recipient.

Q. How are the benefits distributed if there are multiple nominees, and does the policyholder have the ability to specify different benefit proportions for each nominee?

‍ A. When multiple nominees are listed, the policyholder can specify the proportion of benefits each nominee should receive. This division must be clearly outlined at the time of nomination or through a subsequent update to the policy. If the policyholder does not specify proportions, the insurance company will divide the sum assured equally among all nominees. This provision allows for tailored benefit distribution, reflecting the policyholder's wishes and ensuring fairness among the nominees.

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TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

• Get up to 30% off!

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels.  Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel. 

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents. 

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19. 

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage. 

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments. 

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events. 

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Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:  

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at  https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. • Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services Hotline at +65 6708 7453 if you need emergency medical assistance while travelling.

Q39: How do I file for a claim?

To submit a claim, you can download a copy of our claim form here: https://giexchange-sg.greateasterngeneral.com/giexchange/pdf/Travel_Claim_Form.pdf. Claims submission should be filled in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1  COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2  Not applicable for Basic Plan.

• The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
• This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
• This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is 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 us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg  or  www.sdic.org.sg ).
• TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

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Travel Insurance Statistics: Business Insider's Travel Insurance Survey

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Business Insider conducted a travel insurance survey of 971 US adults in December 2023 through Momentive AI Audience.

• It found that most travelers who bought travel insurance were concerned about their travel provider or their health.
• The survey also uncovered that most travelers would be willing to pay for insurance in the future.
• Compare travel insurance coverage options and rates with SquareMouth . 

About 80% of those surveyed traveled for non-business reasons in the past year. Those travelers were most likely to travel internationally, by airplane (24%), or across state lines, by car (24%) or by airplane (18%). About 15% of respondents had traveled within their own state, by car. Of travelers surveyed, most (56%) paid $1,000 or less for their trip, while the vast majority (77%) paid $2,000 or less for their trip.

Among those travelers:

• The largest group of insured travelers (35%) bought insurance primarily because they feared issues like delayed flights or moved reservations, while about 29% were worried about a health emergency
• When researching travel insurance options, many buyers (28%) used suggestions and recommendations from family and friends
• The majority of insured travelers (55%) purchased their policy through a travel provider
• Of travelers who did not purchase insurance, 35% said their primary reason was because they'd never needed it on previous travels, and 19% said they didn't think their trip was expensive enough to insure
• Most people surveyed (68%) say they would be willing to pay some amount for travel insurance in the future

Why people buy travel insurance

Roughly 38% of surveyed travelers purchased insurance for their trip. About 13% of overall respondents purchased cancellation insurance, and 11% purchased cancel for any reason insurance (CFAR) . Another 14% said they purchased travel insurance, but were unsure what kind. The average cost of travel insurance varies by trip cost, destination, and age, but typically falls between $80 and $160 for a $2,000 trip.

The largest group of travelers (35%) who bought insurance did so primarily because they were concerned about the travel provider they booked with, and feared issues like delayed flights or moved reservations. About 29% were worried about having a potential health issue, and about 18% found the value or overall price to be appealing. About 11% said they always buy travel insurance out of habit, and just 5% said a friend had recommended it.

However, the largest percentage (28%) of travelers who purchased insurance researched their options by asking a friend or family member, followed by a review site, blog, or social media influencer (24%). Another 22% of respondents researched their options through a travel agent, and about 19% said they didn't do research at all.

Where travelers purchase their policies

The majority of insured travelers (55%) purchased a policy through a travel provider such as a booking engine like Expedia, or through an airline, a cruise provider, a tour group, or similar. The next most common place to purchase insurance was a travel agent (17%), followed by an insurance marketplace (13%).

Of those who responded to the survey, about 18% had purchased travel insurance and made a claim, while 24% had not made a claim on their coverage. Of those who made a claim, about half were satisfied with the outcome, and half were not.

When asked if they use any travel insurance features from their credit card — like trip delay coverage, baggage delay coverage, or rental car coverage — 33% of overall respondents said they did. However, more than a third of respondents whose credit cards carry these features said they still purchased separate travel insurance. Another 33% didn't know whether their cards come with this type of coverage.

Many travelers still don't see the need for insurance

About 62% of travelers surveyed did not purchase travel insurance; of those travelers, 35% said their primary reason to forgo insurance was because they'd traveled before and never needed it. About 19% said they didn't think their trip was expensive enough for insurance, and about 14% said they were trying to save money. About 13% said travel insurance never occurred to them. Only about 5% said they get travel insurance elsewhere, like through a credit card.

Travelers whose trips went as planned were largely happy with their decision not to purchase travel insurance: Over 70% said they didn't regret their decision to pass on a policy because nothing went wrong on their trip. Another 24% said they don't regret their choice simply because they never thought about travel insurance. About 6% of respondents felt differently: Nearly 4% wish they had purchased insurance because it would have given them peace of mind, and 2% regret their choice because something went wrong on their trip.

Most travelers would be willing to pay for insurance in the future

This holiday season, thousands of travelers experienced cancellations and delays and were even stranded at airports when Southwest airlines canceled 60% of its flying schedule , leaving travelers with little recourse. 

About 68% of travelers surveyed by Insider — both those who had and hadn't purchased travel insurance in the past year — said they'd be willing to pay for travel insurance in the future to protect a weeklong, non-business trip. Most (49%) were willing to pay up to $150 for coverage, and some (13%) were willing to pay up to $250. Only about 5% were willing to pay more than $250, and about 32% were not willing to pay at all.

As we continue to see travel delays and disruptions, travel insurance will become more important and will be viewed as a necessity and not just an expense. The cost of travel insurance is small relative to the trip costs you can protect.

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Ready to travel? Enjoy full coverage including COVID-19.

Prepare to travel this “new normal” with our comprehensive travel insurance plans that include overseas COVID-19 coverage for medical expenses wherever you fly to.

Why do I need Travel Insurance?

Preparing for your travels covers everything from having the right documents to packing your essentials, and more importantly, making sure that you and your loved ones stay protected throughout this long-awaited journey. Don’t let unnecessary COVID-19 related medical expenses ruin potentially a dream vacation! Travel insurance also covers accidental death, bodily injury, illness or travel inconveniences (damage of luggage, travel delay, cancellation) and more.

How does it work?

Purchase according to your needs: • Single trip or multiple trips? • Domestic or international travels? • Budget

Key Benefits

Annual Travel Protector Insurance (Recommended For Multiple Trips)

• Frequent travellers who travel more than 3 times a year for better coverage
• Medical expenses, up to RM600,000 (including overseas COVID-19 coverage)
• Luggage damage, up to RM7,500
• 24-hour travel and medical assistance worldwide
• Accidental death and permanent disablement, up to RM500,000
• Emergency evacuation and repatriation, up to RM3,000,000

Travel Protector Plus Insurance (Available for Single Trip Only)

• Medical expenses, up to RM500,000 (including overseas covid-19 coverage)
• Luggage damage, up to RM10,000
• Covers individual and spouse at a discounted premium
• Accidental death and permanent disablement, up to RM300,000

Who is eligible?

• All Malaysians • Permanent residents of Malaysia • Holders of valid working permits or dependent passes in Malaysia • Passengers departing from Malaysia

For more details on eligibility, click

How to get started.

Sign up via these channels

Visit any of our branches nationwide

Contact your preferred insurance agent

25% instant rebate for online and branch purchase

ALTERNATIVELY

Visit RHB Insurance Online (For purchase of Travel Protector Plus Insurance only)

Frequently Asked Questions (FAQ)

Does Travel Insurance Plus cover medical expenses for COVID-19? YES. Provided you are hospitalised while travelling overseas.

Are One-Way trips covered for medical expenses due to COVID-19? NO, only Return Trips are covered for medical expenses due to COVID-19.

Is the cost of COVID-19 tests covered under Medical Expenses? NO, it does not cover the cost of your COVID-19 tests.

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• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• Travel Tips
• Chubb Assistance

Types Of Plan & Eligibility

Covid-19 cover, medical cover, baggage cover, sports and sporting equipment, trip cancellation, nomination of beneficiary/ies, questions by category:.

Yes, both of you may purchase an Individual plan each.

No. All coverage must be purchased before commencement of journey.

Yes, However, you may only purchase a One Way Journey. Coverage terminates at  11.59 p.m. on the expiry date of the Period of Insurance specified in the Certificate of Insurance or when you arrives at the airport in the Destination country. 

• The Insured Person and/or his/her Spouse (where Family Plan is chosen) must be a Malaysian, Malaysian Permanent Resident, or holder of a valid (issued by the authorities in Malaysia) work permit, employment pass, dependent pass, long-term social visit pass, or student pass, and be at least eighteen (18) years of age up to eighty (80) years of age on the commencement of the Period of Insurance;
• a Malaysian, Malaysian Permanent Resident, or holder of a valid (issued by the authorities in Malaysia) dependent pass or student pass;    
• at least thirty (30) days of age and not more than eighteen (18) years old (or twenty-three (23) years old if studying full-time in a recognized tertiary institution) on the commencement of the Period of Insurance;
• unmarried; and
• unemployed.

It is the travelling period during which the coverage under this Policy is effective, as stated in the Certificate of Insurance. For example, if you are travelling to multiple countries from 14th January 2021 till 10th February 2021, the period of insurance will be from 14th January 2021 till 10th February 2021.

You will receive the Certificate of Insurance via email once payment of premium has been made.

Yes. The benefits stated below are extended to cover Covid-19 for International destination without additional premium charge.

• Overseas Medical Expenses
• Daily Hospital Income
• Emergency Medical Evacuation & Repatriation
• Repatriation of Mortal Remains
• Travel Cancellation
• Travel Curtailment

Yes. You need to be fully vaccinated to be protected with Covid-19 benefits. 

Yes. You may file a claim if you are forced to cancel any part of your trip within fifteen (15) days prior to the Scheduled Departure Date; due to Specified Cause below:

• You are diagnosed with COVID-19 with written confirmation by a Doctor;
• Your death and/or Your Family Member or Travel Companion due to COVID-19 which resulted in You cancelling the Journey; or
• You are serving a Compulsory Quarantine or stay home notice order from the government.

You may file a claim for Travel Curtailment for the loss incurred if you are forced to curtail or alter the itinerary of any part of a planned Journey. 

No. However, please note that there are exclusions on pre-existing medical conditions. Please refer to Policy Coverages for full details.

Any medical condition which you have reasonable knowledge of in 12 months prior to the Period of Insurance.

Please refer to Policy Coverages for full details.

No, Chubb Travel Insure does not have this option.

No, the policy does not cover any pregnancy-related issues other than accidental miscarriage due to bodily injury as a result of an accident.

Yes, it is covered if is resulting from an accident during the period of cover. However, this does not include costs of dentures.

Please contact our 24 hours Chubb Emergency Assistance hotline +603 76283703 for help. We will be able to assist with any medical assistance as well as translator assistance if required. 

You can request for Cashless admission through Chubb Emergency Assistance and we will arrange accordingly. Subject to terms and conditions.

No, the amount of baggage cover cannot be increased.

No, Chubb Travel Insure does not cover any hired or leased equipment.

Yes, they are but terms and conditions apply. Please refer to "Loss or Damage of Personal Belonging & Baggage”– Additional Exclusions" in the policy wording.

This plan will pay the stated benefit amount specified in the Summary of Benefits for every six full consecutive hours of delay up to the maximum benefit amount specified.

Chubb Travel Insure will pay up to the maximum limit specified under Loss or Damage of Personal Belonging & Baggage.

No, it would not be covered. Unaccompanied baggage is not covered.

No, confiscation of items by governmental authorities is not covered.

The limit of cover varies depending on the plan purchased. For details, kindly refer to the Summary of Benefits.

You may refer to the policy wording under SECTION 1 – DEFINITIONS Hazardous Adventures.

No. Sporting equipment are not covered. However, Golf Equipment is covered as per Golf Equipment Benefits.

Please refer to  Policy Coverages  for full details.

The policy excludes Trip Cancellation claims caused by business obligations.

The policy excludes prohibition or regulations by any government, and so any Travel Cancellation or Trip Change claims related to this cause.

1.       If, You are forced to cancel or postpone Your Overseas Journey as the direct and necessary result of any of the following Specified Causes occurring within sixty (60) days for event (b), within thirty (30) days for events (c) and (d) and within fourteen (14) days for events (e) to (h) before the Scheduled Departure Date, and must be accompanied with travel advice, requisite proof or report from relevant authority(s).

2.       This coverage is effective only if this Policy is purchased before You become aware of any circumstances which could lead to the disruption of Your Journey.

3.       Specified Causes :

a.       Your Death;

b.       You sustaining Bodily Injury or becoming ill (applicable to Overseas Journey only), which in the opinion of a Physician causes You to be unfit to travel on a Scheduled Departure Date;

c.        The death of Your Family Member or Travel Companion before the Scheduled Departure Date;

d.       Bodily Injury or illness (applicable to Overseas Journey only) of Your Family Member or Travel Companion necessitating him/her to be Confined to a Hospital;

e.       You or Your Travel Companion are or required to be in compulsory quarantine, or jury service, or are subpoenaed or hijacked;

f.         Cancellation of Scheduled Common Carrier services consequent upon Strike, Riot or Civil Commotion which is beyond Your control at the planned Destination;

g.       Your residence in Malaysia becoming uninhabitable following fire, storm or flood occurring such that Your presence is required on the premises on the Scheduled Departure Date;

h.       Due to Natural Disasters at the Destination country which prevent You from commencing the Journey.

4.       For Domestic Journey, if You are forced to cancel Your Journey as a direct and necessary result of any of the above Specified Causes, the event must occur within seven (7) days before the Schedule Departure Date.

Yes, if the event occurs within fourteen (14) days before the Period of Insurance and must be accompanied with travel advice from relevant authority(s).

No. It is not a mandatory requirement. It is a choice of the policy owner. However, under Schedule 10 of the Financial Service Act 2013, a policy owner may nominate a natural person to receive policy moneys payable upon his death. Chubb is therefore providing this right to nominate if the policy owner so chooses. A copy of the Nomination Form can be downloaded   here . If the policy owner does not nominate, the policy moneys will be paid to the rightful beneficiary of their estate.

However, in the event that the policy owner so wishes to nominate, the Nomination Form has to be filled up accordingly, signed by the policy owner and witnessed by a person of sound mind, who has attained the aged of 18 years of age and who is not the named nominee. If this is not done, the Nomination Form is not valid Chubb cannot pay out policy moneys in reliance of an invalid Nomination Form. The signed and witnessed Nomination Form can then be faxed or emailed to us.

The policy owner can nominate anyone but should he/she choose to nominate someone other than his/her child, spouse or parent, Schedule 10 of the Financial Service Act 2013 provides that the person can only receive the policy moneys as executor (not as beneficiary). If the policy owner wishes for that person to receive the moneys as beneficiary, then the policy owner will have to assign the policy benefits to that person.

The above FAQ should be read and construed in light of, and subject to, all  terms, conditions and exclusions  contained in the Policy.

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You may contact us via mail or telephone:.

Chubb Insurance Malaysia Berhad

197001000564 (9827-A) Head Office: Wisma Chubb 38 Jalan Sultan Ismail 50250 Kuala Lumpur Malaysia

Chubb Customer Service

For general enquiries and claims, call

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©   Chubb Insurance Malaysia Berhad. Chubb Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. This policy is underwritten by Chubb Insurance Malaysia Berhad. Full details of the terms, conditions and exclusions of this insurance are provided for in the  Policy Coverages . Please read our  Privacy Notice  and the  Product Disclosure Sheet .