Travel insurance for trips to Singapore – Forbes Advisor


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Planning a trip to Singapore is an expensive undertaking. Comprehensive travel insurance can help protect your investment. It can also ensure you meet Singapore travel requirements.

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

“You must have health insurance for at least $30,000 for medical treatment and hospitalization related to Covid-19,” said Sarah McWilliams-Guerra, a spokeswoman for Squaremouth, a travel insurance comparison site. Squaremouth also recommends a minimum of $100,000 coverage for emergency evacuation.

What to look for in travel insurance for Singapore

Here are the elements to look out for when looking for the best travel insurance for a trip to Singapore:

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Trip cancellation insurance: No Singapore Street Eats

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

“Trip cancellation insurance can provide benefits for non-refundable travel expenses such as airline tickets, hotel/resort expenses, tours, etc. if you need to cancel your trip for a covered reason,” said Scott Adamski, a spokesman for AIG Travel.

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

  • Death of a traveling companion or immediate family member
  • Injury or illness to you, a traveling companion or a close family member
  • Serious family emergency
  • Sudden job loss
  • Unscheduled subpoena or jury duty
  • Strike, weather event or natural disaster canceling booked travel services

Not all reasons for canceling your trip will be reimbursed by your standard travel insurance plan. If, for example, your daughter’s piano recital has been postponed and now collides with your vacation, travel cancellation insurance won’t help much.

Cancel For Any Reason Insurance.

If you want the flexibility to cancel your trip for any reason and receive some insurance reimbursement, consider adding Cancel for Any Reason coverage. This optional coverage 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 has its price. Expect the price of your travel insurance plan to increase by around 50%. However, if you cancel and meet all of the requirements outlined in your policy, you can generally recover 75% of your non-refundable and prepaid expenses.

Travel Delay Insurance: Jewel Changi Airport expected

A visit to Singapore will likely involve connecting flights. So Travel delay insurance could prove valuable, especially given the frequency of flight delays and cancellations.

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 coverage can reimburse you for a hotel stay, a taxi to the hotel, meals and some toiletries to tide you over until your new flight.

Just make sure to keep all your receipts. You must present them when making your claim.

Your travel delay benefits can also cover any travel expenses you have lost as a result of your late arrival in Singapore if your delay was caused by an issue covered by your policy. If your delay causes you to miss a prepaid private transportation or sunset dinner cruise, you can file a claim to compensate for those losses.

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

“If your flight or other mode of transportation is delayed, you could be stuck in the city-state overnight.” Your travel delay insurance could reimburse you for hotels and meals if you have to wait to catch your rebooked flight, she says.

One thing to note: Most travel insurance plans have a three to 12 hour waiting period before benefits apply. Be sure to read your policy to understand your time parameters.

Trip Interruption Insurance: Bye-Bye Gardens by the Bay

Imagine strolling through Singapore’s Gardens by the Bay admiring the beautiful exhibitions and receiving a call from your neighbor bringing you news that a fire has destroyed your home. If you want to cut short your trip to deal with devastating matters at home, you can contact your Trip interruption insurance to cover return travel expenses.

As part of this coverage, your travel company can help arrange return travel arrangements and pay for a last-minute economy ticket for a one-way trip home.

And if you’ve prepaid your hotel and a catamaran trip, you can claim a refund for any non-refundable and unused travel expenses you lose as a result of your early departure.

It is important to understand that not all reasons for early travel home are covered by your plan’s travel disruption benefits.

If you didn’t anticipate the cost of dining and entertainment in Singapore and you’ve reached your budget limit, your travel insurance plan won’t help you with the costs involved if you decide to cut short your trip and return home earlier.

Travel medical insurance for injuries and illnesses

Your US-based health insurance may cover you in the States, but once you leave, that coverage often lags behind. That’s especially true if you’re a senior on Medicare.

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

For example, if you are on a bike ride in Singapore and collide with another cyclist and require an X-ray and stitches, your travel insurance will cover medical treatment and any medication you may need, up to the limits of your policy.

Medical evacuation insurance for adventures gone wrong

While some medical emergencies can be treated by local hospitals and doctors, this is not always the case. If you need to be evacuated to an appropriate treatment location or, in some cases, back to the United States, Emergency medical evacuation insurance can cover the cost of getting you there.

Sentosa Island, Singapore’s island retreat, boasts beaches, zip lines, water sports and an exhilarating three-wheeled toboggan ride. If you are injured while ziplining and need to be taken to an ambulance for medical attention, your travel insurance will cover the cost of the medevac.

Baggage insurance and protection for your belongings

No matter where you travel, there is always a chance that your luggage will be misdirected or lost. Baggage insurance reimburses you for your baggage up to the limits of your policy.

Comprehensive travel insurance protects your belongings beyond checked baggage. If you misplace your camera or your phone is stolen while enjoying a festival, you can contact your policy for a financial refund.

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

Keep medication, travel documents, your passport, keys, medical equipment, jewelry and money in your carry-on bag so you have those essentials with you in case your luggage takes a detour.

Keep in mind that most travel insurance plans have per-item limits, maximum coverage caps, and exclusions for specific items such as artwork, designer watches, or heirloom jewelry. If something has strong sentimental value, it’s best to leave it safely at home. In addition, cash will not be refunded in the event of loss or theft.

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