• Tokio Marine Travel Insurance Review: Select Either Classic Plan or Premier Plan

    With TM Xplora, you will be able to enjoy many benefits and get the peace of mind you need when it comes to all kinds of travel uncertainties. This policy keeps in mind the travel requirements of all kinds of travellers and you get the option of choosing from two different plans. One of the unique features of this insurance policy is that you will be protected from credit card fraud while you are on your trip.TM Xplora offers two types of plans- Premier and Classic. Classic is the most elementary form of their policy and it offers coverage for all the major issues that you are likely to face when you travel including medical coverage, personal accident protection, travel inconvenience, and other miscellaneous covers.

    TM Xplora : Classic Plan Key Highlights

    • If you require emergency medical assistance while you are overseas, you will get up to S$500,000.
    • If you travel in a public transportation facility while you are abroad, as part of the double indemnity clause, you will get up to S$400,000.
    • If your trip is cancelled because of your travel agent going bankrupt, you will get up to S$7,500.

    As part of this policy, if you face any issues related to your pregnancy while you are overseas, you will be reimbursed an amount of up to S$3,000. In case you require treatment from a chiropractor or a Chinese physician, you will be entitled to an amount of up to S$500. If you need to make alternative arrangements for travel while you are away from Singapore, you will get a reimbursement of up to S$1,000. If the services of the hotel where you have booked your room are disrupted or withdrawn you will be entitled to get up to S$200.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to 200,000 Up to S$300,000 Up to S$1,200 Up to S$1,200 Up to S$5,000

    TM Xplora : Premier Plan Key Highlights

    • If your trip is cancelled because of your travel agent going bankrupt, you will get up to S$15,000.
    • If you need emergency medical evacuation and assistance while you are abroad, you will get up to S$1 million.
    • If you use public transportation service while you are on your trip, as part of the double indemnity clause, you will get up to S$600,000.

    If you need to make an emergency phone call while you are abroad, you will get up to S$250. In case you are hospitalised while you are overseas, you will get reimbursed for a friend or relative to accompany your child. As part of the bonus cover, your pet will be taken care of while you are away. The reimbursement cost will be up to S$500.  If your household items are damaged because of a fire while you were on your trip, you will get an amount of up to S$5,000. Even the adventure and sports activities that you undertake when you are abroad will also be covered as part of this policy.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to 300,000 Up to S$500,000 Up to S$1,200 Up to S$1,200 Up to S$7,500

    What Cover Are You Looking From Tokio Insurance TM Xplora

    Plan/Coverage Classic Premier
    Type of trip cover Single/Annual Single/Annual
    Medical expense cover in Singapore Up to 15,000 Up to S$25,000
    Emergency medical evacuation Up to S$500,000 Up to S$1 million
    Travel inconvenience cover (Trip cancellation) S$5,000 S$10,000
    Pre-existing medical conditions NA NA
    Pregnancy cover Up to S$3,000 Up to S$5,000
    Personal liability cover Up to S$500,000 Up to S$1 million
    Additional cover Golf equipment, credit card fraud, terrorism cover, waiver of rental vehicle excess, home care, quarantine benefit, pet care, loss of use of entertainment ticket or frequent flyer points, adventure sports cover, and rental vehicle return Golf equipment, credit card fraud, terrorism cover, waiver of rental vehicle excess, home care, quarantine benefit, pet care, loss of use of entertainment ticket or frequent flyer points, adventure sports cover, and rental vehicle return

    What is Not Covered: General Exclusions

    • You will not get any reimbursements if you are involved in any military exercise or operations, or other dangerous professions, or if you work as a manual worker, or engage in offshore mining, aerial photography, or if you handle explosives.
    • You injured yourself or fell sick as a result of engaging in an illegal activity.
    • You tried to commit suicide or you injured yourself intentionally.
    • You were either detained or confiscated by the customs department or any other authority.
    • Complications arising out of nervous or mental disorders.

    Things to Consider Before Getting TM Xplora

    • If you purchase a single-trip plan, your trip cannot exceed more than 183 consecutive days.
    • Plastic or cosmetic surgery and cosmetic dental treatment are not covered.
    • Before you purchase the insurance, you must make sure that you are medically fit to travel.
    • This policy may or may not cover “one way” trips. If you wish to get the coverage for a one-way trip, you must purchase the policy in Singapore and the original point of departure must be Singapore.
    • Your involvement in expeditions and/or hunting trips are also not covered.
    • You will not get any coverage if your purpose of travel is to get medical care or treatment.

    Here’s How You Can Buy TM Xplora

    Online: You can buy the Tokio Marine Xplora travel insurance policy online. There is a step-by-step procedure wherein you will have to enter the countries you wish to travel, the number of travellers, type of plan you wish to opt, and the travel period. Once you enter the details, you will get a quote.

    Tokio Marine Branch: You can visit your nearest Tokio Marine insurance branch to purchase an insurance plan of your choice.

    How to File a Travel Insurance Claim

    If you want to file an insurance claim, you must submit certain documents as proof depending on the type of claim that you want to make. Here are the steps involved that you will have to take to file your claim:

    • Notify Tokio Marine about any incident that may lead to you filing a claim.
    • Take all possible steps to reduce any loss or damage.
    • File a police report immediately (ideally within 24 hours).
    • Collect as much information as possible from your end in the form of pictures and damaged items.
    • Work in collaboration with the surveyors or adjusters appointed by Tokio Marine to help them in investigations carried out.
    • Finally, submit the required documents and the claims form.

    Here is a list of what you need to submit at the time of making a claim:

    • The original copy of the completed travel claim form.
    • A detailed list of the damaged or lost property.
    • For claims of a medical nature, all medical and supplementary reports will be needed in addition to an official letter from the concerned medical practitioner.
    • Documents issued by the airline or travel agent.
    • Police report if the police are involved.
    • Pictures of the damaged property if you have managed to take any.
    • A copy of your boarding passes and your itinerary.
    • Any other additional documents.

    All the claims documents will have to be submitted to the office of Tokio Marine as early as possible.

    You can submit your claim online through the following link :

    https://www.tokiomarine.com/sg/en/personal/claims-center/report-a-claim.travel-and-sports-claims.html or you can download the Travel Claim Form from the website and mail it to Tokio Marine on the following address:

    Tokio Marine Insurance Singapore Ltd.

    20 McCallum Street, #09-01

    Tokio Marine Centre

    Singapore 069046.

    The form consists of your personal details, policy details, incidents that happened during the trip and your payment details.

    Tokio Marine Travel Insurance Hotline

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

    Phone number General and Product Enquiries:
    • For Singaporeans: +65 6221 6111
    • For Japanese clients: +65 6592 6313
    • Brunei branch: +673 223 6100/+673 223 6110/+673 223 6113
    Email address tmis@tokiomarine.com.sg tmisclaims@tokiomarine.com.sg feedback@tokiomarine.com.sg
    Fax General Enquiries:
    • +65 6221 4355/+65 6224 0895
    • +673 223 6102 (Brunei Branch)
    For Claims:
    • +65 6225 9887
    • +673 223 6102 (Brunei Branch)

    Frequently Asked Questions

    Q. What is the eligibility criteria to purchase this insurance policy?

    A.  To be eligible for this insurance policy, you will have to fulfil the following conditions:

    • You must be a resident of Singapore at the time of purchase or your journey must commence from Singapore.
    • The age limit for insured persons under the group policy should be between 21 and 70 years.
    • Insured persons who are aged between 6 months and 18 years can be covered only under the Family Plan.

    Q. Does this policy provide coverage for any existing health conditions?

    A. No, you will not be provided with any cover for existing health conditions.

    Q. Are there any countries excluded from this insurance policy?

    A. Yes, you will not be covered at all in case you visit the following countries: Afghanistan, Cuba, Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine.

    Q. What is the maximum length for any one overseas trip under an overseas Annual Multi-Trip plan?

    A. Under an annual multi-trip plan, the length of a single trip must not exceed 90 consecutive days.

    Q. Will I be eligible for any refund of premium after the policy has been issued?

    A. No, refund of premium is not allowed after the commencement date of the period of insurance, under single-trip plans.

    You will be refunded on a pro-rata basis under the annual multi-trip plan if you cancel the policy within 3 months from the policy effective date by giving a written notice of seven days.

    News About Tokio Marine Travel Insurance

    • TM Term Assure Announces 28% Discount on First Premium for New Customers

      On buying a new TM Term Assure policy and its related riders, you will receive 28% off on your first annual premium. This refund will be sent to you via cheque within three months to your registered address. The offer ends on 29 June 2018.

      15th January 2018

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