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Traveling without travel insurance could cost you $123,000
Travel insurance is not getting the attention it deserves. As if all the ISIS-related terrorism, lax gun laws and Trump-related protests are not enough, now we have flesh-eating bacteria to deal with when we travel.
Medical coverages may struggle to catch up with the dreaded onset of new afflictions, but that doesn’t mean you should ever settle for a lower cost option just to scrimp. Or worse still, traveling bare. At the very least, when something bad happens, the hospitalisation and emergency evacuation payouts can lighten your burden in ways you’d be grateful for.
To illustrate that a click of a button and five minutes of your time is all you need to pull up the most suitably recommended travel insurance plans at a glance, we made a mock 4-day pilgrimage to Jordan and picked out some of the more standout ones from the list. The sweet kicker here is that for the premiums you’ll be paying, you are getting much more than what you bargained for.
Etiqa eProtect travel (Economy)
For the duration of the trip, you get 51% off the premium. This Etiqa travel insurance plan has received very positive reviews about promptness of claims after affected travelers submitted online claims. When something untoward happens and you aren’t sure if it’s claimable, simply dial their 24-hour free worldwide emergency hotline for immediate travel assistance. In terms of medical coverages, those insured under the policy can claim up to S$300,000 for personal accidents, S$500,000 for overseas medical expenses and S$1 million in emergency evacuations and repatriations.
Premium: from S$23
FWD travel insurance (Premium)
A new insurance provider in Singapore, FWD is known for being the first of its kind to do away with an insurance sales person. Everything from insurance purchase to accident claims are made entirely digital and can be conveniently done in a matter of seconds. The most basic tier of FWD’s travel insurance offers up to S$200,000 for personal accidents and overseas medical expenses each. The main attraction is the unlimited emergency medical evacuation and repatriation and eligibility of terrorism coverage.
Premium: from S$23
AXA@Post SmartTraveller Essential
Smart travelers would do well to undertake this travel insurance. AXA@Post distinguishes its plan with two special features: a maximum of S$500,000 coverage for death occurring in overseas public transport, as well as inclusion of thrill seeking activities. On top of that, personal accident, overseas medicals and emergency air lifts are capped at S$250,000, S$300,000 and unlimited respectively.
Premium: from S$34
Hong Leong Group HL Assurance (Basic)
HL Assurance travel insurance is one of more competitively priced basic plans among its peers. The HL team is quick to respond to enquiries with cordial professionalism, which should put you at ease in an overseas turmoil. Personal accident claim limit is set at S$200,000, overseas medical fees at S$150,000 and emergency evacuation is unlimited. Although medical repatriation is not available, the travel insurance covers for an extended overseas hospital stay of up to 30 days. Bereaved family members also get cash relief of S$3,000 in the event of death.
Premium: from S$27
Don’t forget to also check out these 23 things before buying travel insurance from The Wise Traveller.
Gif credits: giphy.com
This article is kindly contributed by GoBear and is published on ZUU Online.
Choosing insurance and financial products was once a complicated and dull process. It was filled with tricks and different terms and conditions. Andre Hesselink didn’t think that was fair. He thought comparing insurance and financial products should be simple, straight forward and transparent. So, with the help of like-minded people, they solved this problem, leading us to GoBear.
(By Gobear)
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