FAQs

Voyager Travel Insurance covers Singapore residents with a valid NRIC or FIN who are aged between 15 days and below 81 years old at the policy start date.

The policyholder must be aged 18 to below 71. All insured travellers should be in good health and not travelling against a doctor’s advice.

Insured children below 12 years old must travel with an adult guardian throughout the trip.

No. Your policy must be purchased before your trip begins from Singapore.

Yes, if you want cover for trip cancellation or postponement.

To be eligible, you’ll need to buy your policy at least 72 hours before your scheduled departure from Singapore.

If you purchase your policy within 72 hours of departure, trip cancellation and postponement benefits will not apply. All other benefits remain available.

A Single Trip plan covers one specific journey with fixed departure and return dates. It’s a good fit if you travel occasionally or have a one off trip planned.

An Annual Trip plan covers unlimited trips over 12 months, with each trip lasting up to 90 consecutive days. It’s ideal for frequent travellers who want the convenience of year round cover.

Optional add ons, such as Special Events Cover and Rental Car Excess Cover, can be added before each trip starts and will apply for the rest of your policy period.

Yes. Voyager Travel Insurance covers round trips that begin and end in Singapore. Your trip starts when you leave your home or workplace in Singapore and ends up to 2 hours after you clear Singapore immigration on your return, or on the policy end date shown in your Certificate of Insurance, whichever comes first.

Transit stops of up to 72 hours are covered as long as you stay within the airport transit area. Cruise holidays are covered up to the furthest destination where you disembark.

Yes. One of Voyager Travel Insurance’s key features is that adults, children, and seniors receive the same coverage limits under the policy.

Children aged 15 days to below 18 years old, and seniors aged 71 to below 81 years old, enjoy the same benefit limits as adults.

Travellers aged 81 and above are not eligible for cover.

Yes. Covid-19 cover is included with Voyager Travel Insurance at no additional cost. This includes trip cancellation and trip disruption caused by Covid-19.

To be covered, when all insured travellers must meet the prevailing vaccination and travel requirements of both Singapore and the destination country. Costs relating to Covid-19 diagnostic tests (whether mandatory or optional) are not covered.

No. Pre-existing medical conditions are not covered under this policy. A pre-existing condition refers to any injury, illness, or symptom that you were aware of, or reasonably should have been aware of, or for which you received medical treatment during the 12 months before your trip started.

For Annual plans, any injury or illness claimed under a previous trip will be treated as a pre-existing condition for future trips.

For Single Trip plans, you’ll be covered for the destinations selected when purchasing your policy.

For Annual plans, cover depends on the region selected:

• South East Asia: Malaysia, Indonesia, Vietnam, Cambodia, Laos, Myanmar, Brunei, Thailand, Philippines
• East Asia: Taiwan, Hong Kong, South Korea, Japan, China, Macau, Mongolia, Australia, New Zealand, and all South East Asian countries listed above
• Worldwide: All countries except those listed as excluded destinations.

The following destinations are excluded from cover under all plans: Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Somalia, Iran, Iraq, Libya, North Korea, Sudan, Syria, Yemen, and the territories of Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson.

Higher-risk leisure activities are not covered under the base plan. To be covered for activities such as skiing, scuba diving, bungee jumping, or white water rafting, you’ll need to add Adventure Cover.

You can refer to full list of covered leisure activities here. 

All covered activities must:

• be for leisure purposes only (not competitive);
• be operated by a reputable and licensed operator; and
• follow all safety instructions provided.

If a travel advisory is issued before you purchased your policy or before you booked your trip under Annual plan, it will be treated as a known event and related claims may not be covered.

If the travel advisory was issued after your policy was purchased, cover for trip cancellation or disruption may still apply, depending on the circumstances and policy terms. Please note that travelling against an advisory, restriction or regulation published by any government body is excluded under the policy.

Key general exclusions include:

• Pre-existing medical conditions
• Events that occurred before you purchased the policy
• Competitive or professional sports participation
• Travel against any government advisories or restrictions
• Suicide, self-harm, or deliberate self-injury
• Claims arising while under the influence of alcohol, drugs, or substance misuse
• Childbirth, pregnancy, miscarriage, or menopause-related conditions
• Travel specifically undertaken to obtain medical treatment
• Any losses from travelling to excluded countries
• Any act of terrorism involving nuclear, biological, or chemical weapons
• Loss of money or jewellery
• Fines and penalties

Please refer to the Policy Wording for the full list of general and specific exclusions.

Voyager Travel Insurance covers medically necessary overseas expenses iif you suffer injury, illness or a serious medical condition during your trip. You’re covered up to $500,000 per insured traveller, with the option to increase overseas medical cover to $750,000 for an additional premium.

Coverage limits apply equally to adults, children, and seniors. 

Emergency medical evacuation and repatriation is covered separately for up to $1,000,000.

Yes. Follow up treatment in Singapore is covered for up to 30 days after your return if your illness or injury was first treated:

• during your overseas trip; or
• within 48 hours of returning to Singapore.

Consultations or treatments by dentists or doctors are covered up to $20,000, However, if the illness or injury was not first treated during your overseas trip, a one time excess of $30 will apply.

Consultations or treatments by a TCM practitioner or chiropractor are covered up to $500 in total, subject to a maximum of $50 per visit, and a $30 excess per visit. 

If you are hospitalised overseas for 5 continuous days or more and no adult family member or travel companion is with you, we will reimburse the return economy airfare and standard accommodation expenses for one adult family member to travel to you. This benefit is subject to a doctor’s written confirmation of your need to be hospitalised for at least 5 continuous days and covers the travel and accommodation expenses up to $5,000.

If you need urgent medical or travel assistance overseas, call the DirectAsia Travel Assist hotline on +65 6991 3555.

Please have your full name and policy number ready. Assistance is available 24 hours a day.

For claims-related enquiries in Singapore: call +65 6532 1818 (Monday to Friday, 9am to 5pm).

Emergency overseas dental treatment is covered only if it is medically necessary following an accident that damages your natural teeth. Dental treatment relating to illness, infection, gum disease, tooth decay, dentures, implants, crowns, bridges, or fillings is not covered, whether treatment is received overseas or after returning to Singapore.

If you cannot return to Singapore by the end of your policy period because you are medically certified as unfit to travel, your policy will automatically extend — at no extra cost — for up to 30 consecutive days. The same applies if your return public transport is delayed beyond the policy end date.

Trip cancellation is your trip needs to be cancelled due to unexpected events outside your control, including:

• Natural disaster at any destination on your trip
• Strike, riot, or civil commotion at your planned destination
• Airport, port or station closure preventing departure
• Death, serious injury or serious illness of you, a family member, or travel companion (confirmed by a doctor)
• Insolvency or bankruptcy of your Singapore Tourism Board -registered travel agent or licensed accommodation provider after you bought the policy
• You or a travel companion being ordered to attend court in Singapore
• You being denied boarding due to symptoms of an infectious disease
• Serious damage to your home or business in Singapore (burglary, fire, flood, etc.)

To be eligible for trip cancellation cover, your policy must be purchased at least 72 hours before departure and before any covered event occurs.

If your trip is cancelled or disrupted due to a covered event, we’ll reimburse eligible non-refundable and irrecoverable prepaid travel, accommodation, and entertainment expenses (e.g. concert tickets, guided tours), up to the cancellation limit shown in your policy.

Additional travel and accommodation costs are covered up to the same class or standard as your original booking.

If your booked public transport is delayed for one of the ‘covered causes’ below, we’ll pay $50 for every 3 consecutive hours of delay, up to $1,000 per insured traveller, per trip.

Covered causes of delay include: natural disaster, strike or civil commotion at your destination, airport or port closure, poor weather (declared by the transport provider), mechanical breakdown, or a medical emergency involving another passenger on your transport.

You’ll need written confirmation from the transport provider showing the reason for the delay, along with the departure times and duration affected. Delays that are shorter than increments of 3 consecutive hours are not covered.

Yes. Missed connections caused by delays to your earlier scheduled transport are covered under the Travel Inconveniences benefit. The same payout applies: $50 for every 3 consecutive hours of delay, up to $1,000 per insured traveller, per trip.

You’ll need to take the next available public transport to continue your journey as soon as reasonably possible, and obtain written confirmation of the delay from the transport provider. 

Public transport refers to licensed and scheduled transport operating on fixed routes for fare-paying passengers, including planes, buses, coaches, trains, ferries, and cruises.

Taxis, ride-hailing services such as Grab or Uber, private hire vehicles, and chartered tour vehicles are not considered public transport under this policy, even if they operate on a regular schedule.

Voyager Travel Insurance covers loss, theft or accidental damage to your personal belongings up to $5,000 in total, subject to the following sub-limits per insured person per trip:

Jewellery, money, cameras, laptops, and mobile phones must be carried as hand luggage. These are not covered if checked in.

If you have proof of purchase, your payout will be based on the item’s age and original purchase price, subject to the applicable policy limits:

• Personal belongings and cameras: [(60 – age of item in months) / 60] × purchase price, or $50, whichever is higher
• Mobile phone: [(24 – age of item in months) / 24] × purchase price, or $50, whichever is higher
• Laptops and electronics: [(36 – age of item in months) / 36] × purchase price, or $50, whichever is higher
• Jewellery: 100% of purchase price (in total up to the sub-limit)

Without proof of purchase, the maximum payout is $50 per item, limited to 3 items in total.

If your checked in luggage is delayed while you’re overseas, we'll pay $50 for every 3 consecutive hours of delay, up to $1,000 in total.

For luggage delays after returning to Singapore, a one-time payment of $50 applies if the delay lasts at least 3 consecutive hours or more.

Example:Luggage delayed 7.5 hours overseas → payout of $100 (for 6 hours; the remaining 1.5 hours is below the 3-hour threshold).
Luggage delayed 7.5 hours on return to Singapore → one time payout of $50 only

You’ll need written confirmation from the transport provider stating the reason for the delay and how long it lasted.

If your belongings are stolen, you must report the incident to the police or relevant local authority within 24 hours of becoming aware of the theft. At minimum, a police report is required to support a claim for theft of any of your belongings.

At the time of the theft, the items must have been:

• in your care;
• securely locked away; or
• with an authorised transport or accommodation provider.

If the loss involves a transport provider, accommodation provider, or service operator, you’ll first need to seek compensation directly from them and provide evidence of any reimbursement or formal rejection.

For Single Trip plans, optional covers must be added at the time you purchase your policy.

For Annual plans, optional covers can be added at renewal or any time before a trip begins.

If your trip has already started, any optional cover added will only apply to future trips.

For Special Events Cover, your event booking or invitation must already be confirmed before the cover is added.

Adventure Cover extends selected benefits under your base plan when participating in higher risk leisure activities such as skiing, scuba diving, bungee jumping, white water rafting, tandem skydiving, and more.

Extends coverage for:

• overseas medical expenses;
• emergency medical evacuation;
• compassionate visits; and
• accidental death and disability benefits.

To be covered, activities must:

• be for leisure purposes only (not competitive);
• be operated by a reputable and licensed operator; and
• you must follow all safety instructions

Trekking above 4,000 metres, leisure activities not listed in under Adventure Cover and competitive participation in any leisure activities listed under Adventure Cover are not covered.

A Special Event is an event or experience that you’ve either booked or accepted an invitation to before adding the cover, and which:

• takes place at a scheduled time; and
• starts and ends on the same day.

Examples include concerts, sporting matches, weddings, and theatre performances.

Theme parks, open dated passes, and multi day events are not covered under this optional cover

Special Events Cover applies when your scheduled public transport is cancelled, postponed, or delayed and you risk missing the event. Depending on the situation, we’ll reimburse either:

• replacement transport costs to help you reach the event; or
• the cost of your event ticket if you’re unable to attend.

Cover is available up to $2,500.

Learn more about Special Events Cover

Yes – if the public transport disruption results in you missing the event, we will reimburse the cost of your event booking or ticket, up to $2,500

Please note:

• you can claim either replacement transport costs or the event ticket cost, but not both for the same event; and
• tickets must be purchased through a licensed platform that provides proof of purchase.

Tickets to an event purchased through unofficial resellers or without valid proof of purchase are not covered.

No. Special Events Cover applies only to public transport disruptions affecting your ability to attend the event.

If the event organiser cancels or postpones the event itself, this cover will not apply.

Yes. Rental Car Excess Cover can still apply even if you did not purchase the rental company’s Collision Damage Waiver (CDW).

If you make a covered claim under your rental car insurance policy, we’ll reimburse the excess amount you’re legally required to pay.

To be eligible:

• all drivers must be named in the rental agreement;
• all drivers must be insured under this policy;
• drivers must hold a valid licence for the destination country; and
• drivers must be at least 30 years old at the start of the policy period.

A maximum of one claim per policy and per trip applies.

You can submit your claim using the Travel Claims Form on our website. If you need emergency medical assistance overseas, call the DirectAsia Travel Assist hotline at +65 6991 3555 (available 24 hours a day).

For claims-related enquiries in Singapore, call 6532 1818 (Monday to Friday, 9am to 5pm) or email [email protected].

The documents required will depend on the type of claim you’re making. Commonly requested documents include (see Claim Conditions of product disclosure document or policy wording for full list):

• Medical claims: Original receipts, doctor’s reports and referral letters
• Trip cancellation claims: Booking confirmations, proof of payment, written confirmation or rejection from airline/hotel, doctor's memo where applicable
• Travel delay claims: Written confirmation from the transport provider stating reason and duration of delay
• Lost or stolen belongings: Police report (filed within 24 hours), proof of purchase, details of any compensation received or declined by responsible parties
• Rental car excess claims: Rental agreements, rental car insurance documents, proof of excess payment

You must first try to recover any refunds or compensation available from airlines, hotels, transport providers, or other responsible parties before submitting your claim.

Yes. Before submitting your claim, you’ll need to first seek any available refunds or compensation from the responsible party, such as an airline, hotel, or transport provider.

Please provide evidence of:

• compensation received; or
• a formal rejection from the responsible party.

For trip cancellations, this means contacting your airline, travel agent, and accommodation provider as soon as you know your trip will be cancelled.

For Single Trip plans, you can cancel your policy before the start of the insurance period by giving us notice of cancellation. If no claims have been made, you’ll receive a full refund.

Once the policy period has started, or if a claim has been made, no refund will be available for Single Trip plans.

For Annual plans, you can contact us before your next renewal date if you’d like to cancel or make changes to your cover. If no claims have been made, we’ll provide a pro-rata refund for the unused portion of your policy, less a $10 administrative fee.

Call us on 6665 5555 or email [email protected] for assistance.

Yes. Annual plans purchased via our online portal renew automatically before the last date of the current period of insurance. If you'd like to change your cover or stop your policy from renewing, you can complete the Automatic Renewal Opt-Out Request Form or contact us before the next period of insurance begins.

Yes. You may be able to extend your policy while travelling, provided you’re not aware of any event or circumstance that could lead to a claim.

Please contact us before your policy expiry date to arrange the extension.