ERGO Travel Insurance Singapore Review

ERGO TravelProtect, the travel insurance policy offered by ERGO provides extensive coverage for almost all inconveniences that you may face while you are on your trip. You will get end-to-end coverage that begins even before your trip starts. It also offers flexibility, especially when you wish to cancel or postpone your trip. With this policy, you will get 24/7 assistance at any time of the day and from anywhere in the world.

ERGO TravelProtect: Basic Plan Key Highlights

  • If you require emergency medical evacuation while you are overseas, you will get up to S$20,000.
  • Get up to S$50 if you wish to make emergency telephone calls while you are on your trip.
  • If the travel agent through which you booked your ticket goes bankrupt, you will get up to S$500.

This plan can only be purchased for trips to Malaysia, Bintan island, and Batam island. It covers the bare minimum when it comes to providing coverage for travel inconveniences. For example, you will not get any benefits if your trip is cancelled or postponed. However, you will get credit card indemnity benefit of up to S$250 if your credit card is used fraudulently. You will get up to S$500 if you lose your travel documents and money when you are on your trip or if your flight is diverted. Get up to S$150 if you need treatment by a physician.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$50,000 Up to S$25,000 Up to S$400 Up to S$400 Up to S$1,000

ERGO TravelProtect: Essential Plan Key Highlights

  • Get up to S$10,000 if you require any treatment in Singapore after you have returned from your overseas trip.
  • Get a hospital allowance of up to S$10,000 if you are hospitalised during a trip due to sickness or injury.
  • Get up to S$6,000 if your trip is cancelled.

The Essential Plan offers greater benefits than the Basic Plan. For example, you will get a hijack distress allowance of up to S$5,000 and up to S$1,000 as home protection benefit. If there is a trip misconnection while you are on your trip, you will get up to S$200. If your trip is curtailed, you will get a benefit of up to S$6,000. On the other hand, if your trip is postponed, you get up to S$1,000. If you want to make emergency phone calls while you are abroad, you will get up to S$100.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$150,000 Up to S$250,000 Up to S$1,000 Up to S$1,000 Up to S$3,000

ERGO TravelProtect: Standard Plan Key Highlights

  • Get up to S$25,000 if you need treatment in Singapore after you have returned from your foreign trip.
  • Get unlimited coverage if you require repatriation of mortal remains of an insured person.
  • As part of emergency telephone expenses, you will get up to S$200.

With ERGO TravelProtect’s Standard Plan, you will be covered comprehensively as this plan offers all the benefits that you may need while you are away on your trip. For example, you will get pet care protection of up to S$250 and you will also be covered if you participate in any adventure activity while you are abroad. You get up to S$3,000 if you lose your travel documents or money on your trip. Get up to S$2,000 if your trip is postponed.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$200,000 Up to S$500,000 Up to S$1,000 Up to S$1,000 Up to S$5,000

ERGO TravelProtect: Deluxe Plan Key Highlights

  • Get a hospitalisation allowance of up to S$50,000 if you have suffered from sickness or injury during your time overseas.
  • Get a compassionate visit benefit of up to S$10,000 if a relative or friend has to travel to be with you.
  • Get an automatic extension of policy for up to 30 days.

The Deluxe Plan is most comprehensive plan offered by ERGO. With this plan, you will be extensively covered for all your travel inconveniences while you are on your trip. For example, for hospital visitation, you will get up to S$25,000. If you are involved in an accident that requires dental treatment, you are entitled to get up to S$1,000. If the flight that you have taken is hijacked, you will get a distress allowance of up to S$5,000.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$500,000 Up to S$1.5 million Up to S$1,000 Up to S$1,500 Up to S$8,000

What You Can Expect From ERGO Travel Insurance

Plan/Maximum Coverage Basic Essential Standard Deluxe
Medical expense cover in Singapore Up to S$1,000 Up to S$10,000 Up to S$25,000 Up to S$50,000
Emergency medical evacuation Up to S$20,000 Unlimited Unlimited Unlimited
Travel inconvenience cover Up to S$1,000 Up to S$6,000 Up to S$12,000 Up to S$20,000
Pre-existing medical conditions NA NA NA NA
Woman’s benefit NA Up to S$2,000 Up to S$5,000 Up to S$8,000
Personal liability cover Up to S$500,000 Up to S$1 million Up to S$1 million Up to S$2 million
Additional cover
Golf cover Not available Up to S$500 Up to S$500 Up to S$1,000
Home protection cover Not available Up to S$1,000 Up to S$2,500 Up to S$5,000
Cover for adventure activities Not available Not available Available Available
Pet care cover Not available Not available Up to S$250 Up to S$500

What is Not Covered: General Exclusions

Like most travel insurance policies in Singapore, there are a few exclusions for which you will not get any coverage. Here is a list of some of these exclusions:

  • Pandemic or epidemic declared by the United Nations.
  • Exposure to radioactive, nuclear or any other hazardous components.
  • If you are under the influence of alcohol or drugs.
  • Self-harm or suicide.
  • If you engage yourself in certain occupations such as in navy, air force, construction work or any other dangerous work while you are on your trip.
  • If you travel to or through Afghanistan, Congo, Iraq, Iran, Sudan, Syria, South Sudan, Libya, North Korea, Somalia or the Crimea region.
  • You will not be covered if you participate in a sporting activity to earn money.

Things to Consider Before Getting ERGO TravelProtect

  • Unlike many other travel insurance policies in Singapore, ERGO travel TravelProtect offers coverage for unlimited number of children under a family plan.
  • You cannot purchase a policy after you have left Singapore for your trip.
  • For a single-trip plan, you will be covered for a period of 182 consecutive days while for an annual multi-trip plan you will get coverage for 90 consecutive days per trip.
  • To purchase this insurance policy you can be a citizen of Singapore, a Permanent Resident or a holder of a valid student or employment pass dependent or long-term social visit pass.
  • For a single-trip plan, you will not get any refund on your premium if the policy has been issued. However, for an annual multi-trip plan, you will get up to 50% refund if you cancel the policy in less than six months of purchasing the policy.
  • If you have multiple travel insurance policies with ERGO, the policy with the maximum benefit will only be applicable.

How You Can Buy ERGO TravelProtect

You can purchase this travel insurance policy online. You will have to get a quote first by entering information such as your travel details, number of people to be insured, the plan you are opting for, and the duration of your trip. The policy will be issued and activated immediately after the full payment is made through your credit card.

You can also make use of intermediaries such as agents or brokers to make a purchase.

How to File a Travel Insurance Claim

To file a travel insurance claim, you will have to carry out the following steps:

  • Call ERGO’s hotline number +65 6238 9909 (24/7).
  • Once you have a chat, a claims officer will be assigned to you who will help you in filing a claim.
  • The whole process can either be carried out over the phone or you can send a completed claim form to file for a claim.
  • You can straightaway submit your claim at ERGO’s office in Singapore.

To find the status of your claim, you can call ERGO’s claims service number +65 6829 9195.

When you file a claim you will have to submit certain documents. These documents are unique to the type of claims being filed. However, for all types of claims, you will have to submit a copy of your travel documents and passport that show the date of booking, departure, and arrival. These documents are required to validate your travel.

Additional Documents

Medical expenses

  • Original copies of medical bills, receipts, and invoices. Number the invoices and enter the pertinent numbers under the column, “receipt number” when filing your claim.
  • Medical report or inpatient discharge summary. This should include the diagnosis and the treatment.

Supplementary expenses

  • Original copies of receipts and invoices for additional expenses incurred for accomodation, travelling, etc.
  • Note that before you incur these expenses, you must have them approved by the ERGO Emergency Hotline. If you do not have it pre-approved, you must provide an explanation for the same.
  • Original copies of phone bills to be submitted in case your claim includes Emergency Telephone Expenses.

Travel accident

  • In case of death, a death certificate, toxicology report, and autopsy report to be submitted.
  • In case of permanent disability, a medical specialist report to be submitted.
  • In case of road traffic accidents, a police report or a motor accident report to be submitted.
  • To claim the Child Education Protection Benefit, the child’s birth certificate to be submitted.

Travel delay/misconnection and/or flight diversion/overbooking

  • Flight tickets, boarding pass, and transport information to be submitted.
  • Itinerary copy, if applicable to be provided.
  • A confirmation from the airline in writing detailing the reason and length of delay.

Baggage loss

  • Travel tickets (used), baggage tags, a PIR or Property Irregularity Report provided by the airline, and any other information provided by the airline’s customer service team regarding the loss, including any reimbursement offered.
  • In case of theft, a police report/tour operator report/hotel report within 24 hours of the incident to be provided.
  • Proof of ownership of items to be claimed - this can include original receipts, instruction manuals, photographs, bank statements, etc.

In case of other claims, you can visit the insurer’s website for further information.

ERGO Travel Insurance Hotline

You can call the following hotline numbers if you need any assistance regarding your travel insurance claim:

Phone number
  • Overseas emergency assistance hotline (24-hour service): 65 6238 9909
  • Enquiries: 65 6829 9199
  • Claim service number: +65 6829 9195
Email address
Fax +65 6829 9248

Frequently Asked Questions

Q. How soon can I purchase an insurance policy offered by ERGO?

A. Since you will be covered for any financial losses well before your trip starts, it is advisable to purchase ERGO TravelProtect insurance policy as soon as you have made a financial commitment towards your trip.

Q. Will I get any coverage for a one-way trip?

A. Yes, you will be covered by ERGO TravelProtect even for a one-way trip under the following circumstances:

  • You have chosen the “one-way trip? option on the portal at the time of purchase.
  • You have purchased the coverage on your own.
  • You will be covered only from Singapore to the first destination overseas.
  • You will get coverage only inside the airport transit area at the time of stopovers.

Q. What will be covered under home protection?

A. Under home protection, you will be shielded against damage or loss to your household items triggered as a result of a fire in your home that was left vacant during your trip.

Q. Are underwater activities covered under this insurance policy?

A. Scuba diving is the only activity covered under this travel insurance policy. Other underwater activities will not be covered.

Q. Will I be covered for any damages caused as a result of an act of terrorism?

A.  Yes. However, it will depend on the respective limits of the plans that you have chosen and the exclusions and terms of the policy.

Q. How much will I get if my laptop is damaged during my overseas trip?

A.  You will get up to S$1,000 if your laptop is lost or damaged during your trip and only one laptop is covered for each policy.

Q. What will be covered under hospital visitation?

A. If you are admitted to a hospital for more than five days continuously because of an injury or sickness while you are overseas and you do not have any member of your family with you, ERGO will provide any realistic hotel and travel accommodation expenses incurred.

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