Travel Insurance for Travel to Singapore – Forbes Advisor

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Planning a trip to Singapore is an expensive endeavor. A comprehensive travel insurance plan can help protect your investment. It can also ensure that you meet the requirements for travel in Singapore.

Travel insurance with Covid-19 medical cover is required for all travelers entering Singapore.

“You should have at least $30,000 in medical cover for medical treatment and hospital stays related to Covid-19,” says Sarah McWilliams-Guerra, spokeswoman for Squaremouth, a travel insurance comparison site. Squaremouth also recommends at least $100,000 in emergency evacuation coverage.

What to look for in a travel insurance policy for Singapore

Here are the items to look for when looking for the best Singapore travel insurance:

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Trip Cancellation Insurance: No street food in Singapore

Trip cancellation insurance provides financial protection in case you need to cancel your trip to the Lion City.

“Having trip cancellation coverage can provide benefits for non-reimbursable travel expenses such as airfare, hotel/resort expenses, tours, etc., if you need to cancel your trip for a covered reason,” says Scott Adamski , a spokesperson for AIG Travel.

Most standard travel insurance plans will reimburse you for prepaid, non-refundable expenses if you cancel your trip for one of the following reasons:

  • Death of a companion or immediate family member
  • Injury or illness to you, a companion or a close family member
  • Serious family disaster
  • Sudden job loss
  • Unscheduled subpoena or jury duty
  • A strike, weather event or natural disaster that cancels booked travel services

Not all reasons for canceling your trip will be covered by your standard travel insurance plan. For example, if your daughter’s piano recital was rescheduled and now conflicts with your vacation, trip cancellation coverage won’t be of much help.

Cancellation for any reason insurance.

If you want the flexibility to cancel your trip for any reason and get some insurance reimbursement, consider adding “cancellation for any reason” coverage. This optional cover allows you to cancel your trip for any reason as long as you do so no later than 48 hours before your scheduled departure.

This flexibility comes with a price. Expect the cost of your travel insurance plan to increase by around 50%. But if you cancel and meet all the requirements specified in your policy, you can usually recover 75% of your non-refundable and prepaid expenses.

Travel Delay Insurance: Jewel Changi Airport is waiting

A visit to Singapore is likely to involve connecting flights. So travel delay insurance can prove valuable, especially given how common flight delays and cancellations have become.

For example, if you’re flying from Chicago to Singapore and your connecting flight in Istanbul is delayed by 18 hours, travel delay insurance can help. This cover can reimburse you for hotel stays, taxis to the hotel, meals and some toiletries to tide you over until your next flight.

Just remember to keep all your receipts. You will need to provide them when you submit your claim.

Your travel delay benefits may also cover any travel expenses you have lost due to your late arrival in Singapore if your delay is caused by an issue specified in your policy. So if the delay causes you to miss out on a pre-paid private transfer or sunset dinner cruise, you can file a claim to recover those losses.

Likewise, “If you’re transiting through Singapore on a longer trip to Asia, travel delay can be an essential component of your travel insurance plan,” says Lisa Cheng, spokeswoman for World Nomads, a travel insurance company.

“If your flight or other form of transportation is delayed, you could be stranded in the city-state overnight.” Your travel delay coverage can reimburse you for hotels and meals if you have to wait things out to catch the rescheduled flight, she says.

One thing to keep in mind: Most travel insurance plans have a waiting period of three to 12 hours before benefits take effect. Be sure to read your policy to understand your time parameters.

Trip Interruption Insurance: Bye-Bye Gardens by the Bay

Imagine you’re walking around Singapore’s Gardens by the Bay, admiring the beautiful displays, and you get a call from your neighbor with news of a fire that has destroyed your home. If you want to cut your trip short to deal with devastating issues at home, you can turn to your trip interruption insurance to cover the cost of your return trip.

As part of this cover, your carrier can help you arrange round-trip plans and cover the cost of a last-minute one-way economy ticket home.

And if you’ve pre-paid your hotel and catamaran trip, you can file a claim for reimbursement of any non-refundable and unused travel expenses you’ll lose due to your early departure.

It’s important to understand that not all reasons for returning home early will be covered by your trip interruption plan benefits.

If you haven’t budgeted for dining and entertainment in Singapore and you’ve reached your budget limit, your travel insurance plan won’t help you with any related expenses if you want to cut your trip short and return home early.

Travel medical insurance for injury and illness

Your US-based health insurance policy may cover you in the States, but once you leave, that coverage often remains. This is especially true if you are a senior with Medicare.

If you get sick or injured while on vacation, a trip to an emergency room can be expensive. Travel medical insurance helps reduce the financial burden.

For example, if you’re on a bike tour in Singapore and collide with another cyclist and need an X-ray and stitches, your travel insurance will cover the medical treatment and any medication you need up to your policy limit.

Medical evacuation insurance for unsuccessful adventures

Although some medical emergencies can be handled by local hospitals and doctors, this is not always the case. If you need to be evacuated to an appropriate place for treatment or, in some cases, back to the US, emergency medical evacuation insurance can cover the cost of getting you there.

Sentosa Island, Singapore’s island haven, boasts beaches, zip lines, water sports and an exhilarating tricycle ride. If you are injured while ziplining and need to be flown by air ambulance for medical assistance, your travel insurance plan will cover the cost of medical evacuation.

Baggage insurance and cover for your belongings

No matter where you travel, there is always the possibility that your luggage will be misdirected or lost. Baggage insurance will provide some recovery for your belongings up to the limits of your policy.

A comprehensive travel insurance policy also provides protection for your belongings outside of checked baggage. If you lose your camera or your mobile phone is stolen while enjoying a festival, you can turn to your policy for some financial reimbursement.

If you lose your luggage or are the victim of theft, be sure to get a loss report from the airline or file a report with your tour guide, hotel or local police. You will need this documentation when you file a claim.

Be sure to keep medications, travel documents, your passport, keys, medical equipment, jewelry, and cash in your carry-on so that if your luggage gets misplaced, you have these important items.

Remember that most travel insurance plans have per-item limits, maximum cover caps and exclusions for specific items, such as artwork, designer watches or heirloom jewellery. If something has strong sentimental value, it’s best to leave it in a safe place at home. Also, cash is not refundable if lost or stolen.

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