Plan Limits
An overview of benefit limits for DirectAsia Voyager Travel Insurance. Use this page to check coverage amounts at a glance. All amounts are per insured person per trip unless otherwise stated — Sub-limits, exclusions and conditions may apply.
Comparison table
Section 1 — Covering your travel plans
Protection for involuntary, unexpected and unavoidable changes to your travel plans — before or during your trip. Includes trip cancellations, disruptions, and travel inconveniences such as delays and missed connections.
Benefit
Limit (per insured, per trip)
Trip cancellation and disruption
Covers cancellation, postponement, trip cut short or disruption due to circumstances beyond your control. Covers events within 30 days before departure and during the trip.
Adjust your trip cancellation cover up to $20,000 — you only pay for the level of cover you need.
Travel Inconveniences
$50 per 3 hours of delay from scheduled public transport departure time.
Up to $1,000
$50 per 3 hrs
Trip diversion
Covers additional costs if your public transport is diverted, delaying arrival at your planned destination.
Included in Travel Inconveniences
Missed connections
If you miss a connecting public transport due to a late-arriving leg.
Included in Travel Inconveniences
Overbooked transport
Where you hold a confirmed seat but are denied boarding due to overbooking.
Included in Travel Inconveniences
Things to note:
- You must have purchased this policy and booked your trip before any insurable event occurs.
- You must first seek compensation or refunds from any airline, hotel, transport or service provider where available, and provide evidence if your request is rejected.
- If a claim falls under more than one part of this section, we will only pay once, under the benefit with the highest limit.
- Entertainment expenses such as concerts, theme parks and guided tours are covered if supported by receipts or proof of pre-payment.
Example scenarios
✓ Unexpected delay at the airport
Your flight is delayed by 7 hours due to a mechanical fault. With written confirmation from the airline, you can claim $50 for every 3 consecutive hours of delay —$100 total for 6 hours of delay.
✗ Advance notice of a schedule change
Your airline informs you 3 days before departure that your flight will leave 4 hours later than scheduled. Because you were notified in advance and had time to make alternative arrangements, this is not a covered delay.
✓ Trip cancelled due to sudden serious illness
A week before your trip, your doctor certifies in writing that you are medically unfit to travel. We reimburse your non-refundable prepaid flights and hotel cost, up to your selected cancellation limit.
✗ Cancelling due to a change of plans
You decide not to travel because you are worried about the destination, even though no travel advisory has been issued. Cancellations for personal reasons, including changes of mind, fear of travel or inconvenience are not covered.
Comparison table
Section 2 — Covering your belongings
Protection for your personal belongings, baggage, and travel documents if they're lost, stolen, damaged or delayed during your trip.
Benefit
Limit (per insured, per trip)
BELONGINGS DAMAGE OR LOSS
Total belongings limit
Covers theft or damage to baggage and personal belongings during the trip.
Up to $5,000
Per item sub-limit
$500 per article
Theft of Jewellery
$500 (all jewellery combined)
Theft of money (cash, stored-value cards)
$500
Cost of replacing passport and travel documents
$500
Cameras and accessories
$500
Mobile phone
$500
Laptops and electronic devices (total)
$1,000
LUGGAGE DELAY
Delayed baggage — overseas
$50 per 3 hours your checked baggage is delayed overseas.
Up to $1,000
$50 per 3 hrs
Delayed baggage — returning to Singapore
$50 flat after 3 hours delay upon return.
$50 (flat payment)
Example scenarios
✓ Checked baggage arrives damaged
Your suitcase arrives damaged, with a cracked shell and broken contents inside. You report it to the airline, obtain a Property Irregularity Report, and submit with proof of purchase. We reimburse the depreciated value, up to $500 per item.
✗ Valuables checked in as baggage
Your laptop is checked in your checked baggage and goes missing during the flight. Valuables such as laptops, cameras, jewellery and mobile phones must be carried with you as hand luggage are not covered when checked in.
✓ Bag stolen while you are present
Your bag is stolen while you are dining at a restaurant. You file a police report within 24 hours. We cover up to $500 to replace your passport, up to $500 for cash, up to $500 for your wallet/bag, and up to $500 for your mobile phone.
✗ Items left unattended in a public space
You leave your bag on a beach sunlounger while swimming and it is stolen. Items left unattended in public places are not covered, regardless of how briefly. To be protected, your belongings should be kept with you, securely stored, or left with an authorised provider.
Comparison table
Section 3 — Covering your well-being
Protection for medical emergencies and unexpected situations while you’re overseas, including hospital stays, emergency evacuation and personal liability.
Equal coverage across all ages. Adults, children (15 days to below 18 years) and seniors (71 to below 81 years) all receive the same benefit limits. Many travel insurers reduce limits for seniors and children — we don’t.
Benefit
Limit (per insured, per trip)
MEDICAL EXPENSES
Medical expenses incurred overseas
Covers medically necessary expenses for injury or illness that begins during your trip.
$500,000 for every traveller — regardless of age | Learn about medical cover
Base $500,000
Medical expenses incurred in Singapore
Must be sought within 48 hours of returning. $30 excess applies if initial treatment was not overseas.
Up to $20,000
TCM, physiotherapy and chiropractor
Excess: $30 per visit. Sub-limit: up to $50 per visit.
Up to $500
EMERGENCY ASSISTANCE
Emergency medical evacuation and repatriation
Covers evacuation to the nearest adequate medical facility or repatriation to Singapore.
Up to $1,000,000
Compassionate visit
If hospitalised overseas for 5+ continuous days and alone, we cover economy airfare and accommodation for one adult family member to visit.
Up to $5,000
DEATH AND DISABILITY
Accidental death and permanent total disability
Payable if death occurs within 90 days of an accident or injury during the trip.
Up to $300,000
PERSONAL LIABILITY
Personal liability while on your trip
Covers legal liability for accidental bodily injury to a third party or damage to their property.
Up to $1,000,000
OTHER BENEFITS
Emergency phone charges
Included
Things to note:
- All travellers must be in good health and not travelling against a doctor's advice at the start of the trip.
- Pre-existing medical conditions are not covered unless stated specifically in your Certificate of Insurance.
Example scenarios
✓ Unexpected injury requiring hospital treatment
You slip and fracture your wrist in Tokyo. You undergo surgery and stay. We cover medically necessary hospital and surgery costs overseas up to $500,000 (or $750,000 as selected). Emergency evacuation, if needed, is covered separately up to $1,000,000.
✗ Treatment for a pre-existing condition
You have a history of lower back pain and have been receiving treatment from a specialist. During your trip, the condition flares up and you seek treatment. Because this is a pre-existing condition that was known and treated in the 12 months before departure, it is not covered.
✓ Emergency medical evacuation
You develop acute appendicitis during your trip in an area with limited medical facilities. DirectAsia Travel Assist arranges and pays for emergency evacuation to a better-equipped hospital. Emergency evacuation costs are covered up to $1,000,000, separately from your medical expenses limit.
✗ Planned or elective treatment overseas
You decide to have a dental implant procedure overseas because it costs less than in Singapore. Dental treatment that are planned or not medically necessary, including implants, crowns, and fillings, are not covered unless required due to an accidental injury.
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Section 4 — Optional covers
Extra cover options you add to your Voyager plan when you buy your policy. Limits shown are per insured per trip.
Optional benefit
Limit
Medical cover upgrade
Upgrades your overseas medical expenses cover from the standard S$500,000 to S$750,000. The same equal-limits principle applies — every insured on your policy is upgraded equally, regardless of age. Designed for extended long-haul trips.
Up to $750,000
(base: $500,000)
Adventure cover
Extends your medical cover to include injuries from leisure adventure activities such as skiing, diving, and trekking.
As per Covering Your Well-Being limits
Sports equipment — damage, loss and theft
Covers golf clubs, diving gear, skis, snowboards, bicycles, fishing tackle and specialist apparel. Sub-limit: S$100 per day for replacement rental equipment.
Up to $2,000
Special events cover
If transport disruptions means you can’t reach or attend a booked event, we reimburse either your replacement transport costs or the cost of the event ticket – whichever applies.
Up to $2,500
Rental car excess
Covers the rental car insurance excess you incur under your rental car insurance policy if you make an insurable claim under it during your trip overseas.
Up to $5,000
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