• Liberty Travel Insurance Singapore

    How many times have you gone on vacation only to discover your baggage was delayed, or worse, lost entirely. At that exact moment, did you wish you had some sort of way to cover the expenses you would have to incur to replace everything? Well, that is when travel insurance would have come in handy. It provides coverage for everything from accidental death and injury, to medical expenses, to loss of baggage, and trip cancellation.

    Liberty Travel Insurance is special in that it provides unlimited coverage for emergency evacuations no matter which plan you choose while you are travelling overseas. Also, it is in a class of its own as it is only one of two insurers in Singapore who cover partial pre-existing conditions. It also provides one of the highest pregnancy covers in the industry, making it a good option for those who value precautionary measures when it comes to ensuring any medical emergencies encountered do not get out of hand.

    Options Available with Liberty

    1. Individual - TourCare Essential
    2. Individual - TourCare Plus
    3. Overseas StudentCare

    1. Individual - TourCare Essential

    This travel policy comes in 3 plans: Economy, Executive, and Elite. Each one provides greater coverage than the one before. You can choose which plan is suitable for you depending on your travel requirements.

    Liberty Travel Insurance: TourCare Essential Economy Key Highlights

    • S$500 cover for loss of travel documents and passport.
    • S$3,000 is provided as trip cancellation and postponement coverage.  
    • $$3,000 in travel curtailment coverage.

    The Liberty Economy plan is a basic travel insurance policy. Though it is good in that it provides unlimited emergency medical evacuation and repatriation coverage, it falls short in not providing any coverage for pregnancy-related sickness. That being said, it also provides S$500,000 in personal liability cover, which is generally unheard of for such a basic plan. Though it doesn’t cover flight misconnections, it does go on to insure trip cancellation and curtailment, at S$3,000 - which is helpful. Finally, it covers loss or damage to baggage and loss of travel documents, all in all making it one of the best in its class.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$100,000 S$100,000 S$500 S$500 S$1,000

    Liberty Travel Insurance: TourCare Essential Executive Key Highlights

    • S$3,000 for loss of travel documents and passport.
    • S$5,000 is provided as trip cancellation and postponement coverage.
    • S$10,000 is provided as hospital income coverage overseas and up to S$500 in Singapore.

    The Liberty Executive plan is one that provides a little more coverage than the basic plan. It offers unlimited emergency repatriation and medical evacuation coverage, while providing the same personal liability as the previous plan, at S$500,000. To make up for that, it offers S$3,000 in loss of travel documents, along with disruption of hotel services, loss of personal money, emergency purchases, overbooking, flight misconnection, travel disruption, and additional accommodation expenses. Additionally, it offers S$5,000 for increased coverage when it comes to trip cancellation or postponement.

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

    Liberty Travel Insurance: TourCare Essential Elite Key Highlights

    • S$5,000 for loss of travel documents and passport.
    • S$10,000 is provided as trip cancellation and postponement coverage.
    • S$30,000 is provided as hospital income coverage overseas and up to S$1,000 in Singapore.

    The Liberty Elite plan is a top-tier travel policy that offers maximum coverage for all your travel needs. Not only does it offer twice as much personal liability coverage (compared to the previous two plans), at S$1 million, but it also offers twice as much coverage for pregnancy-related sickness. This is considering pregnancy-related coverage is provided by only a handful of other insurers in Singapore due to the high risk involved. In addition, it offers S$25,000 in coverage for medical expenses upon return to Singapore. Like the other two plans, it permits unlimited coverage for emergency medical evacuation or repatriation, making it a good option for savvy travellers looking for a one-stop shop to fulfil all their travel needs.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$300,000 S$500,000 S$1,000 S$1,000 S$5,000

    What You Can Expect from Liberty TourCare Travel Insurance

    Plan/Coverage TourCare Essential Economy TourCare Essential Executive TourCare Essential Elite
    Type of trip cover Single Single Single
    Accidental death and TPD cover S$100,000 S$150,000 S$300,000
    Medical expense cover in Singapore S$5,000 S$15,000 S$25,000
    Overseas medical expense cover S$100,000 S$250,000 S$500,000
    Emergency medical evacuation Unlimited Unlimited Unlimited
    Travel inconvenience cover* Up to S$3,000 Up to S$5,000 Up to S$10,000
    Pre-existing medical conditions Not available Not available Not available
    Pregnancy cover Not available S$2,500 S$5,000
    Personal liability cover S$500,000 S$500,000 S$1 million
    Fraudulent use of credit card cover Not available Not available Not available
    Golf cover Up to S$2,000 Up to S$5,000 Up to S$8,000

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

    2. Individual - TourCare Plus

    This travel insurance policy comes in two plans: Standard and Supreme. Each of which offers distinct benefits and coverage. You can choose to go with whichever plan suits your needs at the moment.

    Liberty Travel Insurance: TourCare Plus Standard Key Highlights

    • S$3,000 for loss of travel documents and passport.
    • S$5,000 is provided as trip cancellation and postponement coverage (for individuals).
    • S$10,000 is provided as hospital income coverage overseas and up to S$500 in Singapore.

    For such an economical plan, it’s near-comprehensive coverage includes unlimited emergency medical evacuation and repatriation of remains. Although it shies away from covering extreme sports, it does provide S$3,000 in golf coverage should you be an avid golf enthusiast. Scenarios like road-related personal accidents will result in double indemnity, where the insurer agrees to pay you double the face amount in the contract. It also has a S$200,000 special extension for evacuations and repatriation resulting from pre-existing conditions - which is rare. This makes it a desirable option for anyone suffering from conditions that were there prior to the start of the insurance coverage.

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

    Liberty Travel Insurance: TourCare Plus Supreme Key highlights

    • S$5,000 loss of travel documents and passport.
    • S$10,000 provided as trip cancellation and postponement coverage.
    • S$30,000 provided as hospital income overseas and up to S$1,000 in Singapore.

    The Liberty Supreme plan is a near comprehensive insurance plan that outdoes its competitors in the extent of coverage it provides. While it covers some of the basics like flight delays, loss of baggage, and trip cancellation, it ups the ante by providing S$1 million in personal liability coverage. This is in addition to unlimited emergency medical evacuation and repatriation of remains. Further, unlike many other insurers, it guarantees medical coverage of up to S$5,000 for expenses resulting from pregnancy-related sickness. It also provides S$5,000 in coverage for golf. All in all, if you are looking to find coverage for emergency care for your pre-existing conditions or pregnancy, this is a good plan to ease your mind.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$300,000 S$500,000 S$1,000 S$1,000 S$5,000

    What You Can Expect From Liberty TourCare Plus Travel Insurance

    Plan/Coverage TourCare Plus Standard TourCare Plus Supreme
    Type of trip cover Single Single
    Personal accident cover (Double indemnity for road accidents) S$150,000 S$300,000
    Medical expense cover in Singapore S$15,000 S$25,000
    Overseas medical expense cover S$250,000 S$500,000
    Emergency medical evacuation Unlimited Unlimited
    Travel inconvenience cover* Up to S$5,000 Up to S$10,000
    Pre-existing medical conditions Partial coverage Partial coverage
    Pregnancy cover S$2,500 $5,000
    Personal liability cover S$500,000 S$1 million
    Fraudulent use of credit card cover Not available Not available
    Emergency medical evacuation (pre-existing conditions) S$200,000
    Repatriation of mortal remains (pre-existing conditions) S$50,000

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

    3. Overseas StudentCare

    The Overseas StudentCare plan is especially designed keeping in mind students travelling overseas to attend colleges and universities of their choice. It comes complete with study interruption coverage.

    Liberty Travel Insurance: Overseas StudentCare Key Highlights

    • S$500 loss of travel documents and passport coverage.
    • S$5,000 in study loan repayment coverage in the event of your accidental death.
    • S$100,000 provided as criminal assault coverage while studying overseas.

    This plan offers worldwide coverage for when you travel overseas to study at an university or college of your choice. This plan offers protection for any international travel or health disruptions along the way. Should you be studying in Hong Kong, Taiwan or China, you will be eligible to have your admission deposit waived at designated hospitals. In addition to that, it provides S$300,000 in coverage for personal liability should you cause bodily injury to a third party or damage property while abroad. It is designed especially to offer coverage of up to S$10,000 to cover tuition fees paid in advance for the current semester should you be unable to attend. This could be due to a terminal illness, hospitalisation or death of an immediate family member.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$200,000 S$15,000 S$500 S$500 S$1,000

    Promotions That Can Help Save on Premiums

    Annual Trip: Overseas StudentCare discount on premiums
    Policy Period Eligible Discount
    2 years 5%
    3 or more years 7.5%

    What You Can Expect From Liberty Overseas StudentCare Travel Insurance

    Plan/Coverage Liberty Overseas StudentCare
    Type of trip cover Single/Annual
    Accidental death and TPD cover Up to S$200,000
    Medical expense cover in Singapore Not available
    Overseas medical expense cover S$15,000
    Emergency medical evacuation Unlimited
    Travel inconvenience cover* Up to S$1,000
    Pre-existing medical conditions Not available
    Pregnancy cover Not available
    Personal liability cover S$300,000
    Fraudulent use of credit card cover Not available
    Study interruption cover $10,000

    *Travel inconvenience cover may include loss of passport or travel documents, travel delay, baggage delay or loss/damage to personal baggage.


    What Is Not Covered: General Exclusions

    • Any illegal or unlawful acts of detention, confiscation, or destruction by customs, or any other authorities.
    • You will not be covered while you willingly take part in any sport or recreational activities with an inherently high level of risk (bungee jumping, rock climbing, deep sea diving, etc.).
    • Any loss, liability, or damage caused due to negligence or a willful act on your part.
    • Any travel to, in, or through Afghanistan, Democratic Republic of Congo, Liberia, Iraq, Sudan, Iran, Syria, Lebanon, or Cuba.
    • Any damage, injury, or loss resulting from the influence of alcohol, medication, or non-prescription drugs.
    • Continuing with your trip while having been advised against it by a medical practitioner in Singapore.
    • Any HIV and HIV-related conditions.
    • Any loss, liability, or damage caused due to illegal or unlawful acts.
    • Any intentional self-inflicted injury whether it be suicide or attempted suicide - while insane or sane.
    • Any participation in professional or competitive sports where you stand to get monetary rewards.
    • Any damage, loss, or injury directly resulting from a mental problem or insanity.

    Things To Consider Before Getting This Travel Insurance Plan

    Accidental Death & Disability

    From the most basic Economy plan to the premium plan, accidental death and disability is fully covered. The TourCare Elite and TourCare Plus Supreme plans go as far as to offer S$300,000 in coverage, which is a competitive cover in the insurance industry. As well, Liberty is special in that it guarantees double indemnity (or twice the face value of the amount stipulated in the contract) for personal injuries or death resulting from road accidents.

    Pregnancy

    Many plans out there do not cover pregnancies in case of emergencies because of the high risks involved in coverage. Liberty travel insurance is different in that it does offer coverage to some extent - and not as an extension or add-on. With the exception of TourCare Economy and Overseas StudentCare, the remaining plans cover up to S$5,000. This amount is one of the highest in the industry. So you can breathe easy knowing your pregnancy will not result in expenses or situations you cannot cover yourself.

    Pre-existing Conditions

    Like most other insurers, Liberty does not provide any coverage for pre-existing medical conditions. This is with the exception of the TourCare Plus Standard and TourCare Plus Supreme plans - which cover up to S$200,000 each. So for all the other plans, in the event you have a heart attack and you need emergency assistance, you would be wise to make other arrangements in advance to ensure your expenses will be covered.

    Unauthorised Credit Card Charges

    None of Liberty’s travel insurance plans provide coverage for the unauthorised usage of your credit cards while overseas. So if you are sure you will manage to watch over your wallet at all times and return back to Singapore without any loss or theft, you may be fine without this coverage. In any case, it is always a good thing to keep an eye on your wallet or card holder at all times.

    Emergency Medical Evacuation

    All Liberty travel insurance plans provide unlimited coverage for emergency medical evacuations and repatriation, should you need to be airlifted to safety or to a hospital at any time.

    Sporting Activities

    High risk activities including, but not limited to, zip-lining, free flying, grade 4 or above white water rafting, bungee jumping, and parachuting are not covered by Liberty. Trekking above 3000 metres falls under this category, as does outdoor rock climbing, and canoeing. Although Liberty TourCare plans do not cover extreme water sports or winter sports, they do provide some of the most extensive covers for golf enthusiasts. This could mean up to S$8,000 in coverage - which is close to the highest you can get in this department from any insurer in Singapore.

    Here’s How You Can Buy Liberty Travel Insurance

    You can purchase any of the Liberty TourCare Essential travel insurance plans here.

    You can complete and submit a proposal for any of the Liberty TourCare Plus travel insurance plans here and deliver it to the following address:

    Liberty Insurance Pte Ltd.

    51 Club Street #03-00 Liberty House,

    Singapore 069428

    You can purchase the Liberty Overseas StudentCare plan here.

    How to File a Travel Insurance Claim

    File a Travel Insurance Claim Offline

    To file a claim with Liberty Insurance, you must first download the Claims form, complete it, and then mail it to them with the supporting documents within 30 days of the end of your trip.

    You can mail all the original required documents, including medical tax invoices, to the following address:

    Liberty Insurance Pte Ltd.

    51 Club Street #03-00 Liberty House

    Singapore 069428

    Claim form:You can submit your claim using this form.

    Liberty Travel Insurance Hotline

    Customer service +65 6636 1131
    Emergency travel assistance helpline +65 6334 4434
    Email address N/A

    Frequently Asked Questions

    Q. What options are available to me in the event that I lose my money, travel documents, or belongings?

    A. Should the loss have been a direct result of theft, robbery, or burglary, you must report the loss to the local authorities and get a police report within 24 hours of discovering the loss.

    Q. In the event I fall sick while overseas and do not seek any treatment there, would I be able to claim medical expenses should I get treatment when I return to Singapore instead?

    A. Yes. Should you get medical treatment in Singapore within 3 days upon your arrival, you will be eligible to make a claim and receive compensation.

    Q. Will photocopies of the original invoices or receipts be acceptable in order to process my claim?

    A. No. All original invoices and receipts must be provided in order to successfully process a claim as cross-verification may be required. Also, there is a risk of photocopies being manipulated in some way, so it is mandatory that only originals be submitted with your completed claim form.

    Q. Can I make a claim for expenses directly resulting from pre-existing conditions during the trip?

    A. No. The policy excludes all diagnosed pre-existing conditions - whether you have received treatment or prescription drugs for them - up to 6 months prior to your trip start date. Also, any hospitalisation prior to a year before your trip is scheduled to begin is not covered either.

    Q. Will medical expenses incurred overseas for pregnancy-related complications be covered?

    A. Yes. You will be covered if you are more than 12 weeks into your pregnancy, receive treatment while you are on your trip, and have bought a return trip ticket. Additionally, you must ensure a medical practitioner in Singapore did not advise against taking the overseas trip in the first place.

    Q. Will I be able to make a claim with Liberty Insurance in the event that I have already received some compensation from another insurance company for the same event?

    A. No. If you have another insurance policy in place from a different insurer for the exact same loss, liability, or damage, Liberty will not be liable to process your claim. The only exception to this is should Liberty’s policy limit exceed the compensation you have already received - in which case the difference may be payable to you.

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