Families and Senior Travel Insurance
Whether you’re travelling with young children, bringing your parents along, or planning a trip as a senior traveller, the Voyager plan makes it easy to protect everyone under one policy. Every insured person receives the same level of cover, regardless of age, with no need to compare different plans or worry about reduced benefits.
Most insurers treat older travellers and children as higher-risk passengers — and limit their cover accordingly. The Voyager plan works differently. Every insured person on your policy, regardless of age, receives the same $500,000 base medical cover overseas, the same emergency evacuation benefit, and the same personal liability protection.
Whether you’re a family of four heading to Japan, a couple travelling with elderly parents, or a senior planning an independent trip — one Voyager policy covers everyone, at the same level.
Quick eligibility reference:
| Infants & children | From 15 days old |
| Adults | 18 to below 71 |
| Seniors | 71 to below 81 |
| Policyholder must be | 18–70 |
| Children under 12 | Must travel with adult |
| All ages — medical limit | $500,000 |
Family travel insurance
One policy. Every generation covered.
Travelling as a family — whether that’s two parents and young children, or a multigenerational group including grandparents — shouldn’t mean juggling separate policies or worrying about who gets reduced cover. A single Voyager policy covers everyone at the same limits.
Three family scenarios:
| Parents travelling with young children Children from 15 days old are covered on the same policy as adults. Infants, toddlers, and school-age children get the same $500,000 base medical cover as adults — not a reduced limit. | Multigenerational trips with grandparents Grandparents aged 71 to below 81 can be insured on the same family policy. They travel with $500,000 base medical cover — the same as every other traveller on the policy. | Extended family groups Multiple adults, children, and seniors can all be included on one policy. Everyone is covered equally. One quote, one purchase, one policy. |
| Parents travelling with young children Children from 15 days old are covered on the same policy as adults. Infants, toddlers, and school-age children get the same $500,000 base medical cover as adults — not a reduced limit. |
| Multigenerational trips with grandparents Grandparents aged 71 to below 81 can be insured on the same family policy. They travel with $500,000 base medical cover — the same as every other traveller on the policy. |
| Extended family groups Multiple adults, children, and seniors can all be included on one policy. Everyone is covered equally. One quote, one purchase, one policy. |
The same protection for every family member — regardless of age.
Many travel insurers in Singapore cap child and senior medical limits at 50% of the adult amount. DirectAsia doesn’t. Every insured person gets the same cover.
What family cover includes
| Overseas medical expenses Covers medically necessary hospital stays, surgery, emergency dental treatment from an accident, and TCM — for every member of your family, at the same limit. Up to $500,000 per person | Trip cancellation and disruption If a family emergency, serious illness, or natural disaster forces you to cancel or cut short your trip, we reimburse your non-refundable prepaid travel, accommodation and entertainment costs. Up to $20,000 |
| Emergency evacuation If any family member needs emergency evacuation to a hospital or repatriation to Singapore, costs are covered separately from the medical limit. Up to S1,000,000 per person | Baggage and personal belongings Covers loss, damage, or theft of baggage and personal items during the trip — per insured person, with sub-limits by item category. For jewellery and money, we only cover theft. Up to $5,000 per person |
| Travel delay Every insured family member receives S$50 per 3 consecutive hours of travel delay — each person is compensated individually, not as a flat family payout. $50 per 3 hours, up to $1,000 per person | Follow-up care in Singapore If a family member needed treatment overseas, follow-up care in Singapore is covered for up to 30 days after returning home. Up to $20,000 per person |
| Overseas medical expenses Covers medically necessary hospital stays, surgery, emergency dental treatment from an accident, and TCM — for every member of your family, at the same limit. Up to $500,000 per person |
| Trip cancellation and disruption If a family emergency, serious illness, or natural disaster forces you to cancel or cut short your trip, we reimburse your non-refundable prepaid travel, accommodation and entertainment costs. Up to $20,000 |
| Emergency evacuation If any family member needs emergency evacuation to a hospital or repatriation to Singapore, costs are covered separately from the medical limit. Up to S1,000,000 per person |
| Baggage and personal belongings Covers loss, damage, or theft of baggage and personal items during the trip — per insured person, with sub-limits by item category. For jewellery and money, we only cover theft. Up to $5,000 per person |
| Travel delay Every insured family member receives S$50 per 3 consecutive hours of travel delay — each person is compensated individually, not as a flat family payout. $50 per 3 hours, up to $1,000 per person |
| Follow-up care in Singapore If a family member needed treatment overseas, follow-up care in Singapore is covered for up to 30 days after returning home. Up to $20,000 per person |
If an insured adult is hospitalised overseas for 5 or more consecutive days and a child is travelling with them, arrangements can be made for the child’s care and return. This is included as standard — no extra cost.
Good to know — families:
- Children under 12 must be accompanied by an adult guardian throughout the trip to be covered under this policy.
- The policyholder must be an adult aged 18 to below 71. They do not need to travel. Every named traveller will remain covered.
- Pre-existing medical conditions for any family member are not covered. All travelling family members must be in good health at the time of purchase.
- Trip cancellation has a 72-hour rule — purchase your policy at least 72 hours before scheduled departure from Singapore for cancellation cover to apply.
View full plan limits
Learn about trip cancellation
Learn about single trip or annual trip
Travel insurance for seniors
Strong cover for travellers aged 71 and above.
Senior travellers are eligible for the full Voyager plan — not a version with reduced limits or restricted benefits. If you’re aged 71 to below 81 and in good health, you can be insured under the same policy as everyone else, at the same limits.
Seniors aged 71 to below 81 are covered at the same limits as every other traveller.
In Singapore, many travel insurers cap senior medical limits at $75,000–$150,000. Voyager provides $500,000 — with an optional upgrade to $750,000 — for every insured senior, with no separate senior plan required.
Popular destinations for seniors — how your cover holds up
| Japan & South Korea High-quality healthcare but hospital costs can be significant. $500,000 covers most serious incidents comfortably. Well-covered on base plan | Australia & New Zealand Solid public healthcare infrastructure. Emergency costs for non-residents can be high — the base limit handles most scenarios well. Well-covered on base plan | Europe Costs vary across the continent. For longer trips, the $750,000 upgrade gives additional headroom. Base plan suitable for most trips |
| United States The most expensive healthcare in the world. For any senior travel to the US, the $750,000 upgrade is worth serious consideration. Upgrade to $750K recommended | South East Asia Medical costs vary considerably by country. Evacuation cover to get you home when needed is particularly important. Well-covered on base plan | Cruises Covered to the furthest destination of disembarkation. Evacuation from a vessel at sea makes the $1,000,000 evacuation limit especially relevant. Well-covered on base plan |
| Japan & South Korea High-quality healthcare but hospital costs can be significant. $500,000 covers most serious incidents comfortably. Well-covered on base plan |
| Australia & New Zealand Solid public healthcare infrastructure. Emergency costs for non-residents can be high — the base limit handles most scenarios well. Well-covered on base plan |
| Europe Costs vary across the continent. For longer trips, the $750,000 upgrade gives additional headroom. Base plan suitable for most trips |
| United States The most expensive healthcare in the world. For any senior travel to the US, the $750,000 upgrade is worth serious consideration. Upgrade to $750K recommended |
| South East Asia Medical costs vary considerably by country. Evacuation cover to get you home when needed is particularly important. Well-covered on base plan |
| Cruises Covered to the furthest destination of disembarkation. Evacuation from a vessel at sea makes the $1,000,000 evacuation limit especially relevant. Well-covered on base plan |
What’s included for senior travellers
| Full medical expenses overseas The complete medical benefit — hospital stays, surgery, specialist consultations, emergency dental from accidents, and TCM — at the same limit as adult travellers. Up to $500,000 | Emergency evacuation and repatriation If a senior traveller needs emergency transport to a better-equipped hospital or needs to be brought home, evacuation costs are covered separately from the medical limit. Up to $1,000,000 — separate limit |
| Compassionate visit If a senior traveller is hospitalised overseas for 5+ consecutive days and is travelling alone, a family member’s economy airfare and accommodation to visit is covered. Up to $5,000 | Trip cancellation If a senior traveller’s health changes before departure and a doctor certifies they are unfit to travel, non-refundable prepaid travel, accommodation and entertainment costs are reimbursed. Up to $20,000 |
| Optional medical upgrade Senior travellers can upgrade their medical cover from $500,000 to $750,000 — particularly recommended for trips to the US or extended long-haul journeys. Optional: upgrade to $750,000 | Follow-up care in Singapore Medical treatment in Singapore for conditions first treated overseas is covered for up to 30 days after return, when first sought within 48 hours of landing. Up to $20,000 |
| Full medical expenses overseas The complete medical benefit — hospital stays, surgery, specialist consultations, emergency dental from accidents, and TCM — at the same limit as adult travellers. Up to $500,000 |
| Emergency evacuation and repatriation If a senior traveller needs emergency transport to a better-equipped hospital or needs to be brought home, evacuation costs are covered separately from the medical limit. Up to $1,000,000 — separate limit |
| Compassionate visit If a senior traveller is hospitalised overseas for 5+ consecutive days and is travelling alone, a family member’s economy airfare and accommodation to visit is covered. Up to $5,000 |
| Trip cancellation If a senior traveller’s health changes before departure and a doctor certifies they are unfit to travel, non-refundable prepaid travel, accommodation and entertainment costs are reimbursed. Up to $20,000 |
| Optional medical upgrade Senior travellers can upgrade their medical cover from $500,000 to $750,000 — particularly recommended for trips to the US or extended long-haul journeys. Optional: upgrade to $750,000 |
| Follow-up care in Singapore Medical treatment in Singapore for conditions first treated overseas is covered for up to 30 days after return, when first sought within 48 hours of landing. Up to $20,000 |
Good to know — senior travellers:
- Eligible age is 71 to below 81 at the start of the trip. Persons aged 81 or above are not eligible to be covered by this policy.
- All insureds must be in good health and not travelling against medical advice at the time of purchase.
- Pre-existing medical conditions are not covered — including any condition treated during the 12 months before departure. Speak to your doctor before booking if you have ongoing health concerns.
- Seniors can be insured on a family policy — if travelling with adult children or other family members, everyone can be on the same policy at the same limits.
Learn about medical cover
Learn about optional medical upgrade ($750K)
View full plan limits
Optional benefits
Customise your cover for your trip
These optional benefits are available to all insured travellers — families and seniors alike — and must be added at the time of purchase for single trip policies.
| Medical upgrade $500K to $750K — all travellers | Adventure cover Extends overseas medical & emergency evacuation to more than 20+ leisure activities. | Sports equipment Covers your gear in transit or storage during the trip. | Special events Alternative transport or event ticket reimbursement if transport disruption prevents you from attending a booked event. | Rental car excess Covers the excess payable on an overseas rental car insurance claim |
| Medical upgrade $500K to $750K — all travellers |
| Adventure cover Extends overseas medical & emergency evacuation to more than 20+ leisure activities. |
| Sports equipment Covers your gear in transit or storage during the trip. |
| Special events Alternative transport or event ticket reimbursement if transport disruption prevents you from attending a booked event. |
| Rental car excess Covers the excess payable on an overseas rental car insurance claim |
FAQ
Common questions about family and senior cover
Can I include my parents or in-laws on the same travel insurance policy as my family?
Yes — parents or in-laws up to 80 years old can be insured on the same Voyager policy as you and your children. Everyone on the policy — regardless of age — receives the same $500,000 overseas medical cover and the same evacuation and trip cancellation benefits. The policyholder must be an adult aged 18 to 70.
Are the medical limits really the same for children, adults, and seniors?
Yes — $500,000 base overseas medical cover for every insured person, regardless of age. This applies to children from 15 days old, adults, and seniors up to 80 years old. Many travel insurers in Singapore reduce these limits for children and seniors — sometimes to half the adult amount. DirectAsia doesn’t. If you want additional headroom, you can upgrade to $750,000 for all travellers via the optional medical upgrade benefit.
What’s the oldest age that can be insured under a Voyager policy?
Travellers aged 71 to below 81 are classified as seniors and are eligible for the full Voyager plan. Persons aged 81 or above at the start of the trip are not eligible to be insured under this policy. All travellers, including seniors, must be in good health and not travelling against the advice of a doctor at the time of purchase.
My parents have ongoing health conditions. Are they still covered?
Pre-existing medical conditions are not covered under the Voyager plan. A pre-existing condition is any injury, illness, or symptom that any insured person was aware of at the time of policy purchase, or received medical treatment for, in the 12 months before the start of the trip. Any condition that arises unexpectedly during the trip is covered under the standard medical benefit.
Do children need to be accompanied on the trip?
Children below 12 years old must be accompanied by an adult guardian throughout the trip to be covered under this policy. Children aged 12 to below 18 do not have this requirement.
Is the medical upgrade ($750K) worth it for senior travellers?
For most destinations in Asia — including Japan, Korea, and Australia — the $500,000 base limit covers the vast majority of serious medical scenarios comfortably. The upgrade to $750,000 is most worth considering for travel to the United States, where healthcare costs are significantly higher than anywhere else in the world, and for extended long-haul trips of 30 days or more.
Should we get a single trip or annual policy for a family holiday?
If you’re planning one or two family trips a year, a single trip policy for each journey is typically more cost-effective. You pay for exactly the coverage you need, for exactly the trip you’re taking — including choosing your own cancellation limit. If your family travels three or more times a year, an annual policy is usually better value and removes the admin of buying cover before every trip. Optional benefits on annual policies can also be added before individual trips rather than only at purchase.
Cover for every member of your family.
One policy. The same protection for adults, children, and seniors.