Singlife Travel Insurance: Is It Worth Your Money?
Singlife Travel Insurance: Is It Worth Your Money?
ValueChampion Rating 
Pros
- Below average prices for single-trip plans
- Comprehensive sports/golf equipment add-on coverage
Cons
- Lite plan provides below average coverage
If you want to ensure that your next trip out of Singapore is totally stress-free, you may want to consider Singlife's travel insurance plans. We consider these policies to be great overall packages that cover all the bases without costing more than they should. In general, we think that Singlife's travel insurance plans may be a good fit for the traveler who wants to maximise both coverage and value for money.
Summary of Singlife Travel Insurance
| Summary of Singlife Travel Insurance |
|---|
| Lite plan doesn't stand out, offering below average coverage |
| Plus & Prestige plans offer solid coverage in all areas for a great overall package at very fair prices |
| Great coverage and benefits for golfers and sports enthusiasts |
| Plus & Prestige plans offer trip cancellation and change of travel dates for any reason (inc. pre-existing conditions) |
Table of Contents
- Singlife Travel Insurance: What You Need to Know
- Singlife Travel Lite Plan
- Singlife Travel Plus
- Singlife Travel Prestige
- Sports Coverage
- Claims Information
- Summary of Coverage
Singlife Travel Insurance: What You Need to Know
Singlife travel insurance plans stand out for being fairly priced policies with great overall coverage; few, if any, weak points; and some nice VIP perks thrown in that golfers and sports enthusiasts will appreciate. Its mid-tier and premium-tier plans, the Travel Plus and Travel Prestige plans, are Singlife's best travel insurance plans. They both offer great value for your money, providing well-rounded coverage in all areas. However, Aviva's budget option, the Travel Lite Plan, fails to make much of an impression, lacking the "oomph" of other cheap plans.
Whether you are looking for a basic or top-tier plan, are a business traveller or an adventure seeker, Singlife provides benefits that will ensure complete coverage. If you are a business traveller, you will receive coverage for a replacement traveller (if you cannot go on the business trip). If you are travelling for sports, you have options to purchase comprehensive add-ons for extreme water sports, winter sports and golfing—regardless of the plan you choose. If you are not dependent on price, you can receive some of the best medical and trip inconvenience coverage. However, cost-conscious adventurers may find Aviva to be pricey and can find suitable alternatives that provide golf and sports coverage for cheaper.
Notable Exclusions
Singlife has pretty generous coverage, so most exclusions are the standard medical and trip-related events. For example, you are not covered for cosmetic surgery, diseases caught because you failed to receive proper inoculations, claims made because you didn't feel like travelling and mental disorders.
| Medical Exclusions | Trip Inconvenience Exclusions |
|---|---|
| Medical Expenses for pre-existing conditions | Engaging in sport for compensation |
| Pregnancy-related events (unless filing claim under pregnancy benefit) | Items taken by customs officials |
| Suicide and mental illness | Baggage sent separately or items left unattended |
| Cosmetic or elective surgery (unless necessitated by injury) | Fragile articles |
| Travelling when you are medically unfit | Inability to travel due to business or contractual obligations |
| Metastatic or terminal illness | War, riots, rebellions |
| Bungee jumping, BASE jumping, pot holing, marathons, rock climbing |
Singlife Travel Insurance Lite
The Singlife Travel Insurance Lite fails to impress with its below average coverage. Overall, while it provides a wide array of coverage and plans generally cost between 5-20% below average, its benefit limits are low enough to make it a fairly unremarkable option compared to other plans that offer higher coverage for similar prices. For example, the Allianz Global Assistance's Bronze Plan or ERGO's Essential plan provides a similar or even greater level of coverage in most areas for a cheaper price.
That being said, Singlife Travel Insurance Lite does distinguish itself somewhat from other budget travel insurance plans by including some specialized benefits that might catch the eye of sports enthusiasts or vacationers. On the whole, it provides the most coverage among entry-level travel insurance plans for golf equipment and unused green fees, as well as coverage for water sports and winter sports during week-long trips to ASEAN countries. It also may be of interest to travellers to destination weddings, as it provides a rudimentary amount of coverage for the cost of wedding photos. However, if you don't plan to engage in these kinds of activities, keep in mind that you may be paying for coverage in areas you don't need with the Singlife Travel Lite Plan.
| Premiums & Benefits | Lite Plan | Basic Plan Avg. |
|---|---|---|
| 1-Week ASEAN | S$29.77 | S$33.00 |
| 1-Week Global | S$54.62 | S$59.00 |
| Annual ASEAN | S$180.00 | S$191.00 |
| Annual Global | S$237.00 | S$297.00 |
| 1-Week ASEAN Value Ratio | 0.63 | 0.74 |
| Emergency Evacuation | S$250,000 | S$550,000 |
| Overseas Medical | S$250,000 | S$206,563 |
| Trip Cancellation | S$5,00 | S$5,816 |
| Trip Cancellation (any reason) | N/A | N/A |
| Trip Delay | S$500 | S$785 |
| Baggage Loss/Damage | S$3,000 | S$3,058 |
| Premiums & Benefits | Lite Plan | Basic Plan Avg. |
|---|---|---|
| 1-Week ASEAN | S$29.77 | S$33.00 |
| 1-Week Global | S$54.62 | S$59.00 |
| Annual ASEAN | S$180.00 | S$191.00 |
| Annual Global | S$237.00 | S$297.00 |
| 1-Week ASEAN Value Ratio | 0.63 | 0.74 |
| Emergency Evacuation | S$250,000 | S$550,000 |
| Overseas Medical | S$250,000 | S$206,563 |
| Trip Cancellation | S$5,000 | S$5,816 |
| Trip Cancellation (any reason) | N/A | N/A |
| Trip Delay | S$500 | S$785 |
| Baggage Loss/Damage | S$3,000 | S$3,058 |
Singlife Travel Insurance Plus
The Singlife Travel Insurance Plus offers the best coverage of all mid-tier travel insurance plans studied for medical expenses, baggage loss/damage per item and trip cancellations. Overall, the Singlife Travel Insurance Plus is one of the highest value plans on the market despite its rather average pricing. It is an especially good choice for consumers who are concerned about medical coverage, for instance those who are travelling to countries with expensive healthcare or will be participating in new activities. Singlife Plus' medical coverage limtis are almost 3x as high compared to other mid-tier plans and its medical evacuation limit is 100% higher. Even niche benefits like medical treatment back in Singapore and emergency medical expenses due to pregnancy are above average.
On the other hand, if your travel concerns deal more with missing your flight, delays or cutting your trip short, travellers may fare better with plans like Allianz. The only upper hand Singlife has is that it lets you change your trip dates or cancel it for any reason (albeit 50% of your claim and as long as its not a reason listed in the general exclusions). Furthermore, the Singlife Travel Insurance Plus plan is a better pick for those who want to maximise peace of mind as they engage in recreational activities while on holiday. Unlike the former, the Singlife Travel Plus Plan includes generous coverage for water and winter sports and sports/golf equipment, as well as a couple added perks for golfers and wedding-goers. Combined with its top-shelf medical expenses coverage, the Aviva Travel Plus Plan ensures that you can fully enjoy your vacation without worry.
| Premiums & Coverage | Plus Plan | Mid-Tier Industry Avg. |
|---|---|---|
| 1-Week ASEAN | S$54.78 | S$35.00 |
| 1-Week Global | S$80.03 | S$63.00 |
| Annual ASEAN | S$326.00 | S$191.00 |
| Annual Global | S$346.00 | S$297.00 |
| 1-Week ASEAN Value Ratio | 1.80 | 1.01 |
| Emergency Evacuation | S$2,000,000 | S$550,000 |
| Overseas Medical | S$2,000,000 | S$206,563 |
| Trip Cancellation | S$15,000 | S$5,816 |
| Trip Cancellation (any reason) | S$5,000 | S$5,816 |
| Trip Delay | S$1,000 | S$785 |
| Baggage Loss/Damage | S$5,000 | S$3,058 |
| Premiums & Coverage | Plus Plan | Mid-Tier Industry Avg. |
|---|---|---|
| 1-Week ASEAN | S$54.78 | S$35.00 |
| 1-Week Global | S$80.03 | S$63.00 |
| Annual ASEAN | S$326.00 | S$191.00 |
| Annual Global | S$346.00 | S$297.00 |
| 1-Week ASEAN Value Ratio | 1.80 | 1.01 |
| Emergency Evacuation | S$2,000,000 | S$550,000 |
| Overseas Medical | S$2,000,000 | S$206,563 |
| Trip Cancellation | S$15,000 | S$5,816 |
| Trip Cancellation (any reason) | S$5,000 | S$5,816 |
| Trip Delay | S$1,000 | S$785 |
| Baggage Loss/Damage | S$5,000 | S$3,058 |
Singlife Travel Insurance Prestige
While other premium plans may excel in certain areas while failing in others, the Singlife Travel Insurance Prestige will back you up no matter what. Like the Plus plan, the Prestige plan is a fully-featured, generous plan that costs below average for the most common destinations in the ASEAN and Asia. Even better, this plan lacks any weak points in terms of coverage, tending to provide at least the average amount of coverage in every single category and often exceeding the average.
Overall, the Singlife Travel Insurance Prestige Plan is certainly good value for your money. However, depending on your preferences, there could still be a premier travel insurance plan better suited to your needs. If you are most interested in a plan that offers maximum protection against baggage loss or damage and trip cancellations, the Allianz Global Assistance Gold Plan is another high-value plan that provides better coverage in these areas. Furthermore, Singlife Prestige is quite expensive and annual or global coverage plans can cost up to 28% more than average for top-tier plans. However, when weighing this plan against others, you should take into consideration the generous coverage Singlife provides. While its main competitors may be cheaper, they may offer more restrictive coverage (i.e. they won't cover you if you decide to hike or ski) or they may have inferior coverage.
| Premiums & Benefits | Prestige Plan | Top-Tier Industry Avg. |
|---|---|---|
| 1-Week ASEAN | S$78.68 | S$62.00 |
| 1-Week Global | S$117.01 | S$101.00 |
| Annual ASEAN | S$356.00 | S$294.00 |
| Annual Global | S$506.00 | S$418.00 |
| 1-Week ASEAN Value Ratio | 2.29 | 1.29 |
| Emergency Evacuation | Unlimited | Unlimited |
| Overseas Medical | Unlimited | S$1,064,677 |
| Trip Cancellation | S$20,000 | S$15,087 |
| Trip Cancellation (any reason) | S$5,000 | N/A |
| Trip Delay | S$2,000 | S$1,426 |
| Baggage Loss/Damage | S$8,000 | S$7,232 |
| Premiums & Benefits | Prestige Plan | Top-Tier Industry Avg. |
|---|---|---|
| 1-Week ASEAN | S$78.68 | S$62.00 |
| 1-Week Global | S$117.01 | S$101.00 |
| Annual ASEAN | S$356.00 | S$294.00 |
| Annual Global | S$506.00 | S$418.00 |
| 1-Week ASEAN Value Ratio | 2.29 | 1.29 |
| Emergency Evacuation | Unlimited | Unlimited |
| Overseas Medical | Unlimited | S$1,064,677 |
| Trip Cancellation | S$20,000 | S$15,087 |
| Trip Cancellation (any reason) | S$5,000 | N/A |
| Trip Delay | S$2,000 | S$1,426 |
| Baggage Loss/Damage | S$8,000 | S$7,232 |
Sports Coverage
Although you'll have to pay extra for whatever activity you know you'll be participating in, Singlife has some of the best sports coverage you can find. There is comprehensive coverage for golfing, winter sports and extreme water sports (rafting, canoeing/kayaking, yachting, jet skiing, sailboarding, wind surfing, water skiing, dragon boating, deep sea fishing). The main thing to note is that you have to do some of activities with a licensed operator only. Though not necessarily sports-related, there is also full cover for motorcycling provided you have a license. Additionally, if you choose not to buy specific cover for an activity, you will automatically be covered for normal adventurous activity that poses no severe health risk—as long as you do it with a guide or tour operator.
| Golf Cover | All Plans |
|---|---|
| Loss of Golf Equipment (incl. In Use) | S$2,000 |
| Hiring of Golf Equipment | S$500 |
| Hole-in-One | S$1,000 |
| Damage of Buggy | S$500 |
| Unused Green Fees | S$500 |
| Add'tl Cost | S$14.80 |
| Winter Sports | All Plans |
|---|---|
| Accidental Death/Disablement | S$50,000 |
| Emergency Medical Cover | S$250,000 |
| Loss of Equipment (Inc. in Use) | S$3,000 |
| Hire of Equipment | S$500 |
| Loss of Deposit Due to Ski Track Closure | S$1,000 |
| Delay due to Avalanche | S$200 |
| Ski and Ski Lift Passes | S$500 |
| Addt'l Cost | S$12.06 |
| Extreme Water Sports | All Plans |
|---|---|
| Accidental Death/Disablement | S$50,000 |
| Emergency Medical Cover | S$250,000 |
| Loss of Equipment (Inc. in Use) | S$3,000 |
| Hire of Equipment | S$500 |
| Addt'l Cost | S$15.24 |
Claims Information
You can submit claims with Singlife online through their claims portal. If you are claiming for reasons that required you to pay upfront (such as medical), you have to mail the original documents, along with your policy number.
| Contact Information | |
|---|---|
| Customer Service | (65) 6827 9966 |
| 24-Hour Emergency Assistance | (65) 6322 2022 |
| Address | Singlife Travel Insurance Claims, Aviva Ltd. 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807 |
| Claims | Online Claim Form |
Singlife Travel Insurance Summary
It is important to make sure that you will be adequately protected for whatever you decide to do on your next vacation, and therefore it is vital that you choose the right travel insurance plan. Below, you'll find how Singlife compares in price and coverage to the industry's overall averages. If you would like to see how Singlife compares to other plans on the market, you can read our guide to the best travel insurance policies in Singapore.
| Lite | Plus | Prestige | Industry Avg. | |
|---|---|---|---|---|
| 1-week ASEAN | S$29.77 | S$54.78 | S$78.68 | S$42.09 |
| 1-week Asia | S$36.84 | S$53.30 | S$74.32 | S$50.11 |
| 1-week Global | S$54.62 | S$80.03 | S$117.01 | S$70.25 |
| Annual ASEAN | S$180.00 | S$326.00 | S$356.00 | S$251.11 |
| Annual Asia | S$194.00 | S$281.00 | S$392.00 | S$264.38 |
| Annual Global | S$237.00 | S$275.20 | S$275.20 | S$353.87 |
| 1-week ASEAN Ratio | 0.63 | 1.80 | 2.29 | 1.01 |
| Annual Global Value Ratio | 0.55 | 1.52 | 1.84 | 1.00 |
| Medical | S$250,000 | S$2,000,000 | Unlimited | S$598,140 |
| Personal Accident | S$50,000 | S$100,000 | S$500,000 | S$261,588 |
| Emergency Medical Evacuation | S$250,000 | S$2,000,000 | Unlimited | S$772,727 |
| Trip Cancellation | S$5,000 | S$15,000 | S$20,000 | S$10,224 |
| Trip Delays | S$500 | S$1,000 | S$2,000 | S$1,087 |
| Baggage Loss/Damage | S$3,000 | S$5,000 | S$8,000 | S$5,082 |
| Baggage Delay | S$500 | S$1,000 | S$2,000 | S$998 |
Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.