• QBE Travel Insurance Review

    QBE offers a comprehensive travel insurance plan that provides extensive coverage in the form of personal cover, inconvenience cover and bonus cover. With QBE Travelon Cover, you will be covered whether you are travelling alone, with your family, or if you are on a business trip. If you are a frequent traveller, you can purchase the annual plan that will help you save time and money, offering you peace of mind for all your trips made during a year without having to individually apply each time.

    QBE Travelon: Standard Plus Key Highlights

    • Unlimited cover if you require emergency medical evacuation.
    • If you are confined in a hospital overseas, get S$100 per day, up to S$25,000 in total.
    • Get up to S$2,500 if you lose your travel documents or money overseas.

    Under QBE Travelon Standard Plus, you will get numerous benefits as part of the bonus coverage. For example, you will get up to S$2,500 as home protection coverage. If you suffer injuries because of a terror attack during your trip, you will get up to S$125,000. As part of travel inconveniences, if you miss your flight or if it is diverted, you will get up to S$100 as compensation. For cancellation charges and/or if you lose your deposit (including curtailment expenses), you will get up to S$12,500.  

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$125,000 Up to S$500,000 Up to S$100 Up to S$500 Up to S$4,000

    QBE Travelon: Super Plus Key Highlights

    • Get up to S$5,000 if you lose your travel documents or money overseas.
    • Unlimited cover if you require emergency medical evacuation.
    • If you are confined in a hospital overseas, get S$200 per day, up to a total of S$50,000.

    Under the QBE Travelon Super Plus, the coverage offered is more comprehensive than the Standard Plus plan in terms of the benefit amounts. You can opt for this plan if you anticipate certain travel risks and need a higher coverage during your trip overseas. Get up to S$1,000 for rental car excess charges. Get up to S$200 for loss of use of hotel facilities. In the instance when the travel agent through which you booked your tickets goes bankrupt, you will get up to S$5,000. If the flight in which you are travelling is hijacked, you will get up to S$5,000.  

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$250,000 Up to S$1 million Up to S$200 Up to S$1,000 Up to S$6,000

    What Cover You Can Expect From QBE Travel Insurance

    Plan/Coverage Super Plus Standard Plus
    Type of trip cover Single/Annual Single/Annual
    Medical expense cover in Singapore Up to S$25,000 Up to S$12,500
    Emergency medical evacuation Unlimited Unlimited
    Travel inconvenience cover Up to S$25,000 Up to S$12,500
    Pre-existing medical conditions NA NA
    Pregnancy cover Up to S$8,000 Up to S$4,000
    Personal liability cover Up to S$1 million Up to S$500,000
    Additional covers
    Home Protection Up to S$5,000 S$2,500
    Alternative Employees Cover for Business Trips Up to S$5,000 S$2,500
    Rental Car Excess Cover Up to S$1,000 Up to S$750

    What is Not Covered: General Exclusions

    Akin to any other travel insurance policy, there are numerous exclusions that you will find with QBE Travelon. Here is a list of these exclusions for which you will not receive any coverage:

    • Communal riots, war, civil commotion, and other similar threats.
    • If you are engaged in manual employment.
    • Suicide or self-harm.
    • If you take a flight other than a fully licensed aircraft as a fare-paying passenger.
    • If you are involved in military service.
    • Any injury or sickness caused because of radioactive contamination or nuclear fission.
    • Engaging in sporting activities or extreme sports.

    Things to Consider Before Getting QBE Travel Insurance

    Before going ahead and purchasing this insurance policy, here is a list of things that you must consider:

    • You must purchase the policy before you leave Singapore.
    • The coverage offered to an individual over 70 years of age is lower than other adults.
    • Your trip must start in Singapore.
    • All insured children must be unmarried and below 25 years of age.
    • You must notify QBE if you wish to extend the cover if your stay extends over 90 days for the annual plan to get any coverage.

    Here’s How You Can Buy QBE Travel Insurance

    You cannot purchase the QBE travel insurance policy online. If you wish to purchase this travel insurance policy, you must get in touch with a legal QBE agent or broker and talk over your requirements. Once you have understood all your requirements, you can choose the plan that matches your needs. You will have to fill a proposal form and pick the mode of payment convenient to you: cash, cheque, or credit card.

    How to File a Travel Insurance Claim

    If you wish to make a travel insurance claim, it must be made to QBE Insurance within 30 days once you get back to Singapore after your trip. If there are any medical claims, medical certificates and reports will be required, in addition to hospital bills to support your claim. You must retain all invoices, bills and receipts.

    Here is a list of some of the crucial documents required while filing your travel insurance claim:

    Medical Claim

    You must submit the following documents if you are making a medical claim:

    • Original bills and invoices for accommodation and travel expenses.
    • Original medical bills.
    • Medical report or inpatient discharge summary.
    • Proof of relationship (marriage/birth certificate), if applicable.

    Accidental Death and Disablement Claim

    You must submit the following documents if you are making a claim pertaining to accidents:

    • Police report, statement of witnesses, hotel management report.
    • Proof of relationship.
    • Death certificate, autopsy report, coroner’s findings.  
    • Inpatient discharge summary, medical report submitted by the attending doctor.
    • Proof of relationship (marriage/birth certificate).

    Baggage and Personal Effects Claim

    • Pictures of damaged items (in case of damaged items) or baggage irregularity report (in case of lost baggage).
    • Original purchase invoices of damaged or lost items.
    • Original warranty cards (in case of electronic products).
    • Repair bills of damaged items.
    • Original invoices for purchase of replacement items.
    • In case of baggage delay, a letter provided by the concerned airline along with restoration date of the baggage to be provided.

    To get a claim form, you must get in touch with the QBE Singapore Claims Department at +65 6224 6633 or your insurance advisor or visit the QBE website.

    QBE Travel Insurance Hotline

    Phone number IPA Service Centre Helpline and General Enquiry: +65 6322 2688 Claims: +65 6224 6633
    Fax (65) 6533 3270

    Frequently Asked Questions

    Q. Will I be provided with any coverage for overbooked flight?

    A. Yes, you will get a coverage of up to S$200 for an overbooked flight.

    Q. What is the coverage amount for personal mobile phone charges?

    A. You will get up to S$250 for emergency personal mobile phone charges.

    Q. How much coverage will I get for child protection?

    A. You will get a coverage of up to S$25,000 for child protection.

    Q. Is there any benefit offered as part of a compassionate visit by a friend or a relative?

    A. Yes, you will get up to S$25,000 as part of a compassionate visit by a friend or a relative.

    Q. Is there any limit to the number of children included under the family plan?

    A. There is no limit to the number of children included under the family plan.

    Q. How much will I be eligible to get for repatriation of mortal remains?

    A. You will get unlimited coverage for repatriation of mortal remains with QBE travel insurance.

    Q. How much time will it take for me to get the insurance?

    A. You can get your insurance within 24 hours of applying.

    Q. Is there any refund associated with QBE travel insurance?

    A. If you have purchased the annual policy recently and after going through the policy you are not fully satisfied, you can return it within 14 days of purchasing. The policy will be annulled and you will get your money back in full.

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