EQ Travel Insurance Singapore Review

Travel insurance can be useful while travelling overseas. Did you know you can get reimbursed for baggage delays, credit card theft, loss of travel documents, and emergency medical care while on vacation? EQ Travel Insurance is unique in that it guarantees some of the highest coverage in the market for travel inconvenience coverage. Add to that its comprehensive coverage of delays from hijack and hostage crises, fraudulent credit card charges, and baggage loss - and you can see why it is among the safest insurance in town.

A. EQ Travel

This policy comes in 2 plans: Essential and Deluxe. Both come with different benefits and coverage. You can decide which one better suits your needs for your travels abroad.

EQ Travel: Essential Key Highlights

  • S$3,000 in loss of travel documents and passport coverage.
  • S$6,000 trip cancellation coverage.
  • S$20,000 overseas hospital allowance coverage.

The EQ Travel Essential plan offers S$5,000 worth of competitive loss of baggage and personal effects coverage. This would come in handy should your airline carrier misplace or lose your luggage entirely during your travels or while you are in transit. That said, its S$300,000 overseas medical expenses coverage is average. On the other hand, you may enjoy its S$1,000 coverage of unauthorised credit card charges in the event you lose your wallet or your credit cards get stolen. Also, among the insurers that do provide pregnancy-related complications coverage, EQ Travel Essential’s is above average, at S$2,000, for such a basic plan.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
S$250,000 S$300,000 Up to S$1,000 Up to S$1,000 S$5,000

EQ Travel: Deluxe Key Highlights

  • S$5,000 loss of travel documents and passport.
  • S$12,000 provided as trip cancellation coverage.
  • S$40,000 overseas hospital allowance coverage.

The EQ Travel Deluxe plan offers S$8,000 worth of loss of baggage and personal effects coverage. This would be useful in the event that your airline carrier misplaces or loses your luggage entirely. This is easily the highest coverage offered by any plan in its tier across the industry. It also offers S$500,000 overseas medical expenses coverage, which happens to be standard should you need any financial assistance in that department. Again, you might take advantage of its $1,000 coverage of fraudulent credit card charges in the event you lose your wallet. Lastly, in its tier, the EQ Travel Deluxe plan offers competitive S$5,000 coverage for any pregnancy-related complications or illnesses suffered during your trip.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
S$350,000 S$500,000 Up to S$1,000 Up to S$1,000 Up to S$8,000

What You Can Expect from EQ Travel Insurance

Plan/Coverage Travel Essential Travel Deluxe
Type of trip cover Single Single
Accidental death and TPD cover S$250,000 S$350,000
Medical expense cover in Singapore S$15,000 S$25,000
Overseas medical expense cover S$300,000 S$500,000
Emergency medical evacuation cover Unlimited Unlimited
Travel inconvenience cover* Up to S$15,000 Up to S$25,000
Pre-existing medical conditions cover Not Available Not Available
Pregnancy cover S$2,000 S$5,000
Personal liability cover S$1 million S$1 million
Golf cover S$750 S$1,000
Pet care cover S$100 S$300

*Travel inconvenience cover includes: overbooked mode of transportation, trip cancellation, change of trip itinerary, trip postponement, missed connections, change of travel dates, delayed departure, missed departure, loss of baggage, delayed baggage, and loss of passport or travel documents, among others.

B. Travel Lite

This policy is especially designed for those who are travelling to Malaysia, Batam Island, or Bintan Island.

EQ Travel Lite: Key Highlights

  • Up to S$300 loss of travel documents and passport.
  • Up to S$500 overseas hospital allowance coverage.
  • Up to S$20,000 in dental and overseas medical expenses coverage.

The Travel Lite plan offers personal liability coverage at S$500,000. It also provides up to S$20,000 in emergency evacuation protection and up to S$500 in travel inconvenience coverage. It does not, however, provide any coverage should you need pregnancy-related protection, or coverage for any pre-existing medical conditions. The amount reserved for emergency evacuation is generous for a plan catering to such short distance travel. It also provides full terrorism cover.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
S$75,000 S$20,000 Up to S$400 Up to S$400 S$500

What You Can Expect from EQ Travel Lite Insurance

Plan/Coverage Travel Lite
Type of trip cover Single
Medical expense cover in Singapore S$250
Emergency medical evacuation cover S$20,000
Travel inconvenience cover* S$500
Pre-existing medical conditions cover Not Available
Pregnancy cover Not Available
Personal liability cover S$500,000

*Travel inconvenience cover includes: Delayed departure, loss of baggage, delayed baggage, and loss of passport or travel documents, among others.

What Is Not Covered: General Exclusions

  • Any participation in professional or competitive sports where you stand to get monetary rewards.
  • Any activities performed under water that require the use of artificial breathing apparatus, with the exception of scuba diving.
  • Travel in, through, or to Cuba, Iraq, Democratic Republic of Congo, Afghanistan, Iran, Syria, Liberia or Sudan.
  • Any pre-existing medical conditions.
  • Any loss or expense directly or indirectly arising from travelling against the advice of a medical professional.
  • Any sexually transmitted diseases or complications from HIV, AIDS, or any mutant derivative of them.
  • Any extreme sports from parachuting, paragliding, hang-gliding, skydiving, and BASE jumping, to cave diving, and free flying, etc.
  • Any intentional self-inflicted injury whether it be suicide or attempted suicide - while insane or sane.
  • Any illegal or unlawful acts of detention, confiscation, or destruction by customs, or any other authorities.
  • Any influence from drugs or alcohol.
  • Any damage, loss, or injury directly resulting from a mental problem or insanity.

Things To Consider Before Getting This Travel Insurance Plan

Pre-existing conditions

If you suffer from any complications or illnesses arising from a pre-existing medical condition while overseas, you will not be covered by any of the EQ Travel insurance plans.

Emergency medical evacuation

The EQ Travel insurance plans offers all the way up to unlimited emergency medical evacuation coverage. Should you need to be airlifted or transported by any other means to a hospital or any other emergency care facility, you can count on your expense being covered.


Up to S$5,000 of pregnancy-related complications and illnesses are covered by the EQ Travel insurance plans. However, not all plans offered by EQ provide coverage for pregnancy.

Unauthorised credit card charges

These plans offer S$1,000 in coverage for the fraudulent usage of your credit cards, which is not common when it comes to insurers in Singapore. In the event they get misplaced or stolen, you will receive maximum assistance in getting them cancelled and replaced, up to the benefit limit. Essentially, you will not be held responsible in the unfortunate event that your cards get maxed out as a result of the loss or theft.

Buy EQ Travel Insurance Online

You will have to fill in the online form providing details of the following:

  • Type of insurance - Personal or corporate.
  • Type of cover - Individual, family or multiple individual (group plan).
  • Coverage plan - Single trip plan or annual plan.
  • Area of Travel - Asia, ASEAN, or worldwide.
  • The number of days you wish to travel.
  • The number of adults and children travelling.
  • On clicking “Next”, you will receive a quote for the plans available.
  • Click on “Buy Now” to proceed with the purchase.

How to File a Travel Insurance Claim


To file a claim with EQ Travel Insurance, you must first download the claims form available on their website. Complete the necessary details on the printed form and then mail it with the supporting documents to the following address within 30 days upon returning to Singapore:

5 Maxwell Road,

#17-00 Tower Block, MND Complex,

Singapore 069110

To file a claim, follow the steps below:

  • Notify your broker, agent, or EQ immediately when the incident occurs.
  • You will have to download and fill the Travel Claim Form and submit the same within a period of 30 days from the incident date.
  • You will have to submit the relevant documents along with the claim form - you can file claims for property damage, baggage delay, medical expenses, and travel delay.
  • Submit a police report, wherever applicable.
  • Cooperate and assist the insurer with the claims process. A representative/adjuster will be appointed to handle your claim.

Documents to be submitted

The following documents are mandatory for all types of claims:

  • The claim form.
  • Boarding pass and immigration stamp copies on your passport as proof of travel.

For accidental death or permanent disablement:

  • Medical reports from the overseas attending doctor.
  • Local police report pertaining to the incident.
  • In case of death - the death certificate, post mortem report, letter or probate or administration, burial, and cremation permit.

For medical expenses:

  • Memo or medical report from the doctor who tended to you.
  • Original copies of the medical invoices.
  • In case of specialist treatment, a GP’s referral letter will be required.
  • Discharge summary from the hospital, wherever applicable.

For trip cancellation/postponement/curtailment:

  • The flight itinerary copy indicating the original trip schedule.
  • The original invoice of the tour booking containing the amount already paid.
  • Written confirmation from the airline or travel agency in case of any amount refunded or for flight changes.
  • Original receipts in case of any administrative charges you have incurred additionally or if you purchased additional flight tickets.
  • Medical report, memo, or death certificate, wherever applicable.
  • Relationship proof between you and your family member, wherever applicable.

For travel/baggage delay:

  • The flight itinerary copy indicating the original trip schedule.
  • Written confirmation provided by the airline regarding the duration of delay and the reason for the same.
  • In case of travel delay, the written confirmation should include the next flight available.
  • In case of baggage delay, an acknowledgement receipt should be provided containing the date/time of the delivery.

For baggage loss/damage:

  • A list of lost items - brand, model, purchase date, and price.
  • Purchase receipts (original copies) and warranty cards.
  • Police report, wherever applicable.
  • Property Irregularity Report that is lodged at the airport in case the loss/damage occurred while the baggage was in the custody of the carrier.
  • Documents to be provided in case of compensation provided by the airline or through other sources.
  • Photographs of the damaged items, if applicable.
  • Original receipts/invoices in case of repair.

EQ Travel Insurance Hotline

Customer service +65 6223 9433
Emergency travel assistance helpline +65 6836 7969
Email address [email protected]

Frequently Asked Questions

Q. What is the maximum length of trip coverage offered for EQ Travel Lite?

A. Your travel insurance coverage will last up to 5 days from the date of departure.

Q. Would I get a refund should I need to cancel my trip for any reason?

A. No. You will not be able to get a refund should you cancel your insurance policy or commence your trip.

Q. Just like any adult, would a child also be covered in full?

A. Yes. Provided your child is 18 years old and above, and has successfully applied for and paid the premium for individual cover.

Q. What is the soonest date that I can activate my EQ Travel insurance?

A. You may activate your travel insurance policy up to 90 days before your departure date from Singapore.

Q. If I have been refused entry at the immigration checkpoint, will it fall under “Trip Cancellation” coverage on my insurance policy?

A. No. You will not be covered because EQ Travel insurance does not cover losses sustained by government control or regulations.

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