A single trip travel insurance plan is ideal for those who take vacations or travel only once or twice a year. This kind of plan is affordable and good for long trips. A single trip plan will cover the most basic needs such as baggage loss/delay, immediate medical assistance, flight delay/cancellation, loss of personal belongings, and personal liabilities.
At times, you will also come across promotions where you can buy a plan at a discounted rate. For instance, you will get 35% off when you buy an NTUC single trip plan along with a complimentary travel neck pillow if you are among the first 200 sign-ups/day.
All insurance companies in Singapore offer single trip plans. The table below shows the benefits provided by these companies and their coverage amount:
|Name of the policy||Overseas medical expenses||Trip cancellation||Damage/loss of baggage||Accidental death and disablement||Medical evacuation and repatriation|
|AIA Around The World Plus||Up to S$2 million||Up to S$15,000||Up to S$8,000||Up to S$500,000||S$500,000 - as charged|
|Aviva Travel Insurance||S$250,000 - unlimited||Up to S$20,000||Up to S$8,000||Up to S$500,000||S$30,000 - unlimited|
|Allianz Global Assistance||S$400,000 - unlimited||Up to S$25,000||Up to S$15,000||Up to S$100,000||S$500,000 - unlimited|
|AXA SmartTraveller Insurance||Up to S$600,000||Up to S$12,000||Up to S$10,000||Up to S$500,000||Unlimited|
|NTUC Income Travel Insurance||Up to S$1 million||Up to S$15,000||Up to S$8,000||Up to S$500,000||S$500,000 - unlimited|
|MSIG TravelEasy||Up to S$1 million||Up to S$15,000||Up to S$7,500||Up to S$500,000||Up to S$1 million|
|FWD Travel Insurance||Up to S$1 million||Up to S$15,000||Up to S$7,500||Up to S$400,000||Unlimited|
|Great Eastern Travel E@sy||Up to S$200,000||Up to S$5,000||Up to S$3,000||Up to S$100,000||Up to S$1 million|
|Etiqa ePROTECT travel||Up to S$1 million||Up to S$15,000||Up to S$5,000||Up to S$400,000||Up to S$1.5 million|
|Sompo TravelJoy Insurance||Up to S$1 million||Up to S$15,000||Up to S$8,000||Up to S$500,000||S$600,000 - unlimited|
Single trip plans are valid during the entire trip. You can buy this type of a policy for a trip as long as 182 days in a year. So, if you are going for a long vacation to Australia, this policy is ideal for you. Also, if you want coverage for all your basic needs, then go for a single trip plan as the premiums are affordable.
Moreover, several insurance companies, including Great Eastern provide extension of coverage of up to 30 days in case of travel delay, illness, or any bodily injuries.
A single trip plan can be customised to include your family members. Hence, the policy will insure you, your spouse, and your legal and unmarried children.
Selecting the right single trip plan will not be easy without research. Only if you do a thorough study, you will not have to go through a tedious process every time you want to buy a plan. Here are some helpful tips on choosing the right single trip insurance policy:
Ensure that you purchase your insurance policy in advance to maximise the benefits offered such as trip cancellation, curtailment, etc. that kick in even before you begin your travel. Also, remember that you can’t purchase a policy if you have already departed the country.