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If you have an American Express credit card, you’re probably familiar with Amex travel insurance . Technically, it’s actually Chubb travel insurance , but it’s sold under the brand American Express My VoyageGuard.

Yup, these days you can buy insurance from the nearest bank or credit card company. Kinda like when HMV reduced their CD section and started selling peripheral crap like hoodies and toys. (Anyone remember this… or am I just showing my age?)

Buying travel insurance from your credit card company is convenient, but what’s really in that American Express travel insurance plan? Let’s have a look.

Amex travel insurance at a glance

American Express travel insurance is sold under the My VoyageGuard brand, and it comes in 3 varieties: Essential, Standard and Superior. Here’s how they compare:

*All figures based on a 7-day trip to United States of America

Amex travel insurance promotions

You can stay up to date on the latest Amex travel insurance promotions here.

You can get free travel insurance coverage if you charge your full airfare to the Amex KrisFlyer Ascend credit card . However, this is only for travel accidents and delays, not for things like medical expenses, so it’s insufficient for most people.

Convenience & Perks for Frequent Flyers

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local Spend

Overseas Spend

More Details

Key Features

1.2 KrisFlyer miles = S$1

2 KrisFlyer miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec

3.2 KrisFlyer miles = S$1 for Grab Singapore transactions, capped at S$200 per month

Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership

Up to $1 million travel insurance coverage

See all card details

What does Amex travel insurance cover?

First of all, it must be said that the medical benefit of $500,000 under normal circumstances and $150,000 for COVID-19 related medical expenses is crazy high, especially for a basic plan. You’d typically need to upgrade to a more premium plan to get such a high coverage limit. (I guess buying travel insurance from an American company has its perks, right?)

Another thing that impressed me was that there was absolutely nothing at all in the Amex travel insurance policy wording to exclude outdoor activities or even extreme sports. Definitely one for adventurous #YOLO types.

However, apart from the impressive medical coverage limits and ultra-lenient policy, the other travel insurance benefits are merely so-so.

Chubb travel insurance claim procedure

Even though you buy this travel insurance from American Express channels, every aspect of the after-sales support is taken care of by Chubb Insurance.

Chubb has a very good international reputation for its emergency assistance, which is reassuring if your idea of a good time is trying to cheat death.

Emergency hotline: Call the Chubb Assistance emergency hotline at +65 6836 2922.

Online claims: Submit claims and supporting documents online through Chubb’s online portal . Alternatively, download the claims form PDF and email with documents to [email protected].

You’ll get an acknowledgement within 3 days.

Conclusion: Should you buy Amex travel insurance?

The answer would vary greatly depending on what the current Amex travel insurance promotion is like.

If there’s a good ongoing promotion off, then yes, the cheapest Essential is probably one of the best travel insurance plans you can buy in terms of medical coverage. This is something you’d want to consider if you’re going to a place known for expensive healthcare, such as Japan, Norway or the US.

The fact that Amex is super lenient and covers almost every death-defying experience you can think of makes it even more impressive. So if you’re that extreme, this might be the best travel insurance in Singapore for you.

On the other hand, if there isn’t a deep discount, then Amex travel insurance is pricier than average and won’t offer that much bang for your buck. Note that its benefits for stuff like personal accident and travel inconveniences aren’t really spectacular.

Looking to buy Amex travel insurance ? Compare all Singapore travel insurance policies by price and coverage first .

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The Guide to American Express Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

American Express travel insurance vs. coverage provided by AmEx cards

Complimentary travel insurance provided by amex cards.

Trip cancellation and interruption insurance

Trip delay insurance

Car rental loss and damage insurance

Baggage insurance

Premium global assist.

Global Assist Hotline

Standalone American Express travel insurance plans

Should you use the complimentary benefits or purchase a policy, amex travel insurance recapped.

You can get AmEx travel insurance via your card or as a standalone policy.

AmEx cards typically include coverage for trip delays, interruptions, cancellations, baggage and car rentals.

Coverage tends to be secondary.

Policies vary by card.

American Express has two different types of travel insurance offerings: standalone travel insurance plans that customers can purchase and travel insurance that is included as a complimentary benefit on certain cards. 

So if you’re thinking about getting travel insurance before a trip, get familiar with American Express travel insurance benefits that are included on your credit cards. Knowing what protections you already have will prevent you from spending money on a separate policy with benefits that overlap.

A standalone travel insurance policy from American Express may offer more robust coverage, but depending on your needs, the travel insurance perks provided by your AmEx card may be sufficient. 

If you primarily want specific coverage for cancellations, delays or rental cars and baggage, it’s likely your card will be enough.

If, however, you’re mainly concerned with emergency health coverage while traveling , you’re better off with a separate medical insurance policy because the benefits provided by credit cards are limited in those areas. You can purchase this from American Express directly or shop around other travel insurance companies .

» Learn more: How to find the best travel insurance

There are six travel insurance benefits offered on many American Express cards:

Trip cancellation and interruption insurance .

Trip delay insurance .

Car rental loss and damage insurance .

Baggage insurance plans .

Premium Global Assist Hotline .

Global Assist Hotline .

Here's a closer look at each.

Trip cancellation will protect you if you need to cancel your trip for a covered reason (more below), and you will be reimbursed for any nonrefundable amounts paid to a travel supplier with your AmEx card. Bookings made with Membership Reward Points are also eligible for reimbursement. Travel suppliers are generally defined as airlines, tour operators, cruise companies or other common carriers.

Trip interruption coverage applies if you experience a covered loss on your way to the point of departure or after departure. AmEx will reimburse you if you miss your flight or incur additional transportation expenses due to the interruption. American Express considers the following to be covered reasons:

Accidental injuries.

Illness (must have proof from doctor).

Inclement weather.

Change in military orders.

Terrorist acts.

Non-postponable jury duty or subpoena by a court.

An event occurring that makes the traveler’s home uninhabitable.

Quarantine imposed by a doctor for medical reasons.

There are many reasons that are specifically called out as not covered (e.g., preexisting conditions, war, self-harm, fraud and more), so we recommend checking the terms of your coverage carefully.

If you want a higher level of coverage for trip cancellation, consider purchasing Cancel For Any Reason (CFAR) travel insurance . CFAR is an optional upgrade available on some standalone travel insurance plans. This supplementary benefit allows you to cancel a trip for any reason and get a partial refund of your nonrefundable deposit.

Alternately, if you want what essentially amounts to CFAR insurance on your flights specifically, purchase your fares through the AmEx Travel portal and tack on Trip Cancel Guard for an extra fee. Trip Cancel Guard guarantees you an up to 75% refund on nonrefundable airfare costs when you cancel at least two days before departure, regardless of why. This isn't as comprehensive as other CFAR policies, but it can add some peace of mind for people who want the cash back (as opposed to a travel credit) for flights they may not take.

AmEx cards with trip cancellation, interruption coverage

The following American Express credit cards offer trip cancellation and trip interruption coverage:

on American Express' website

Additional AmEx cards that offer trip cancellation and interruption coverage include:

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®.

Delta SkyMiles® Reserve Business American Express Card .

Terms apply.

Covered amount

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Coverage is secondary and applies after your primary policy provides reimbursement. Claims must be filed within 60 days. To start a claim, call 844-933-0648.

This benefit will reimburse you for reasonable, additional expenses incurred if a trip is delayed by a certain number of hours. Examples of eligible expenses include meals, lodging, toiletries, medication and other charges that are deemed appropriate by American Express. It makes sense to use your judgment in terms of what will get approved based on your policy's fine print.

Acceptable delays include those that are caused by weather, terrorist actions, carrier equipment failure, or lost/stolen passports or travel documents. There are also plenty of exclusions, such as intentional acts by the traveler.

AmEx cards with trip delay insurance

The reimbursable amount depends on which card you hold.

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

As expected, the more premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is offered on the following American Express credit cards:

When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is $50,000 or $75,000.

» Learn more: How AmEx car rental insurance works

In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:

Accidental death or dismemberment coverage.

Accidental injury coverage.

Car rental personal property coverage.

To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.

The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation (you may have this through your personal auto insurance policy), as these credit card-provided coverage options don't include personal liability.

AmEx cards with car rental coverage

American Express lists over 50 different cards on its site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

The amount reimbursed is calculated as whichever is lowest:

The cost to repair the rental car.

The wholesale book value (minus salvage and depreciation).

The invoice purchase price (minus salvage and depreciation).

Here are some key exclusions to be aware of with this coverage:

These policies don't cover theft or damage that was caused by a driver’s illegal operation of the car, operation under the influence of drugs/alcohol or damage caused by any acts of war.

Policies don't cover drivers not named as "authorized drivers" on your rental agreement.

The benefit only covers car rentals up to 30 consecutive days.

Not all cars are included in the policy. Certain trucks, vans, limousines, motorcycles and campers are excluded from coverage.

Insurance protection doesn't apply in Australia, Italy, New Zealand and any country subject to U.S. sanctions .

You can file a claim online or call toll-free in the U.S. at 800-338-1670. From overseas, call collect 216-617-2500. Your claim must be filed within 30 days of the loss. Additionally, some benefits vary by state, so check the policy for your specific card.

» Learn more: The guide to AmEx Platinum’s rental car insurance

As an American Express cardholder, you are eligible to receive compensation if your luggage is lost or stolen. This benefit is in addition to what you may receive from the carrier. However, the AmEx policy is secondary, which means that it kicks in after the carrier provides any compensation for losses.

AmEx provides this insurance to "covered persons," who are defined as:

The cardmember.

Their spouse or domestic partner.

Their dependent children who are under 23 years old (there are age exceptions for handicap children).

Some business travelers (Tier 2 coverage only).

To qualify, all covered individuals need to be traveling on the same reservation and must be residents of the U.S., Puerto Rico or the U.S. Virgin Islands.

AmEx cards with baggage insurance

Naturally, the higher-end cards offer more protection — but even the basic cards have decent coverage. The compensation limits per person are as follows (note that the maximum payout per covered person for lost luggage is $3,000 on all of these cards).

Below are the limits for cardholders of the The Platinum Card® from American Express , The Business Platinum Card® from American Express , The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, Hilton Honors American Express Aspire Card , Marriott Bonvoy Brilliant™ American Express® Card, Centurion® Card from American Express and Business Centurion® Card from American Express:

Baggage in-transit to/from common carrier: $3,000.

Carry-on baggage: $3,000.

Checked luggage: $2,000.

Combined maximum: $3,000.

High-end items: $1,000.

Disclosure: Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

And here are the coverage limits for cardholders of the American Express® Gold Card , American Express® Business Gold Card , American Express® Green Card , Business Green Rewards Card from American Express , Hilton Honors American Express Surpass® Card , Marriott Bonvoy™ American Express® Card, Marriott Bonvoy Business® American Express® Card , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Reserve Business American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Platinum Business American Express Card , Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card , The Hilton Honors American Express Business Card :

Baggage in-transit to/from common carrier: $1,250.

Carry-on baggage: $1,250.

Checked luggage: $500.

High-end items: $250.

Disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

AmEx also offers limited reimbursement for high-end items (coverage varies by card), such as:

Sports equipment.

Photography or electronic equipment.

Computers and audiovisual equipment.

Wearable technology.

Furs (including items made mostly of fur and those trimmed/lined with fur).

Items made fully or partially of gold, silver or platinum.

Claims must be filed within 30 days of your baggage loss. To file a claim, call 800-645-9700 from the U.S. or collect to 303-273-6498 if overseas. You can also file a claim online.

» Learn more: Compare travel insurance options: airline or credit card?

This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.

The service can also help you figure out important travel-related details like customs information, currency information, travel warnings, tourist office locations, foreign exchange rates, vaccine recommendations for the country you’re visiting, passport/visa requirements and weather forecasts.

AmEx cards with Premium Global Assist

Premium Global Assistance is offered on the following American Express credit cards:

The Platinum Card® from American Express .

Delta SkyMiles® Reserve American Express Card .

Hilton Honors American Express Aspire Card .

Marriott Bonvoy Brilliant™ American Express® Card.

Services provided by Premium Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, the Premium Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

The hotline isn’t so much a concierge as a service that provides logistical assistance, which can include the following:

General travel advice

Emergency translation if you need an interpreter to help with legal or medical documents (cost isn't covered).

Lost item search if your belongings are lost while traveling.

Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.

Passport/credit card assistance if your credit card or passport is lost or stolen.

Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.

Medical assistance

Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment (there are many conditions for this coverage; review your policy’s fine print).

Physician referral if you need a doctor or dentist (cardmember is responsible for costs).

Repatriation of remains in the event of death.

Financial assistance

Emergency wire service to get help obtaining cash (fees will be reimbursed).

Emergency hotel check in/out if your card has been lost or stolen.

Legal assistance

Bail bond assistance if you need access to an agency that accepts AmEx (cardmember is responsible for paying bail bond fees).

Embassy and consulate referral if you need help finding or accessing local embassies.

English-speaking lawyer referral if you’re traveling and need a list of available attorneys (cardmember is responsible for any legal fees).

To use this benefit, call the Premium Global Assist Hotline toll-free at 800-345-AMEX (2639). You can also call collect at 715-343-7979.

The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version (cited examples include emergency medical transportation assistance and repatriation of mortal remains).

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

AmEx cards with Global Assist Hotline access

The Global Assist Hotline is available to holders of the following cards:

American Express® Gold Card .

American Express® Business Gold Card .

American Express® Green Card .

Business Green Rewards Card from American Express .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

Delta SkyMiles® Gold American Express Card .

Delta SkyMiles® Gold Business American Express Card .

Delta SkyMiles® Blue American Express Card .

Hilton Honors American Express Surpass® Card .

Hilton Honors American Express Card .

The Hilton Honors American Express Business Card .

Marriott Bonvoy™ American Express® Card.

Marriott Bonvoy Business® American Express® Card .

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

Blue Cash Preferred® Card from American Express .

The American Express Blue Business Cash™ Card .

The Blue Business® Plus Credit Card from American Express .

You can call the Global Assist Hotline toll-free at 800-333-AMEX (2639), or collect at 715-343-7977.

If you don’t have any of the credit cards above and are thinking about purchasing a policy from American Express or just simply want to price compare to see if you get better perks by purchasing a policy, you can go to the AmEx travel insurance website and input your trip plans to build a quote. You’ll need to provide your departure and return date, state of residence, age of traveler, number of travelers covered by the policy and the trip cost per traveler. Then, you can select the option of choosing a package or building your own.

To see which plans are available, we input a sample $3,000, one-week trip by a 35-year-old from South Dakota. Our search result yielded four different plans ranging from $59 for a Basic plan to $208 for a Platinum plan.

Global medical protection (not included on AmEx cards)

Medical protection includes coverage for emergency healthcare and dental costs as well as medical evacuation and repatriation of remains . The limits increase as the plans become more expensive. Although AmEx cards offer an array of travel insurance benefits, medical coverage isn't included. So if medical protection benefits are important to you, a standalone travel insurance policy is what you’ll want to look for.

Travel accident protection (not included on AmEx cards)

Another benefit not included with AmEx cards is travel accident protection. This benefit provides coverage in case of death or dismemberment while traveling . Although this is a topic no one wants to think about, it's good to be familiar with this coverage. While travel accident protection isn’t offered on the Basic plan, all of the higher plans offer it.

Standalone policy benefits that are also included on AmEx cards

These elements of coverage are offered on the AmEx cards mentioned, although in some, the limits may be higher or lower.

Trip cancellation

The Basic plan only covers a trip up to $1,000, however, all the other plans cover 100% of the trip cost. To compare this with the perks included as a benefit on the cards, all AmEx cards that include trip cancellation coverage provide up to $10,000 per covered trip.

Keep in mind that, all the cards included have annual fees and the card with the lowest fee is the Hilton Honors American Express Aspire Card , with a $550 annual fee. 

Trip interruption

Trip interruption coverage ranges from $1,000 on a Basic plan to 150% of trip cost on the Gold and Platinum plans. The trip interruption benefit offered by the AmEx cards is included on all the same cards that offer trip cancellation insurance, with the trip interruption limit capped at $10,000 per covered trip.

Global baggage protection

If your luggage is lost or stolen this benefit will provide monetary compensation to reimburse you for your lost items. AmEx cards offer baggage coverage as a complimentary benefit, with the higher-end cards naturally providing higher limits. Interestingly, the cards with the lower annual fees (i.e. Hilton Honors American Express Surpass® Card , annual fee $150 ) have a high limit as well, offering a total combined limit for lost luggage of $3,000, which is higher than the coverage offered by the standalone Platinum plan.

Global trip delay

If your trip is delayed, you’re eligible for reimbursement of any necessary expenses incurred up to a specific limit. The Basic plan doesn’t offer this benefit, but all the other plans do, with the Platinum plan providing up to $300 per day (maximum of $1,000 per trip). This coverage is also included on the higher-end AmEx cards.

AmEx cards offer key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, Premium Global Assist Hotline (or Global Assist Hotline). However, they don't offer any sort of emergency medical coverage. This is pretty typical of travel credit cards, as the travel insurance perks they offer don't provide coverage for emergency health care costs.

If you’re looking for emergency medical coverage, you’ll need to purchase a separate policy, such as the standalone one offered by American Express. The other limits provided in the American Express travel insurance policy are comparable to what you get on the AmEx cards, so it makes sense to shop around to make sure that the benefits you’re paying for are sufficient for your needs.

» Learn more: What to know about American Express Platinum travel insurance

Yes, if you have one of the cards listed above. If you have a credit card that isn’t listed in this guide or the card is no longer available by American Express, call the number on the back of your card for more information. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.

Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy . If you only need emergency medical coverage , there are policies that provide that as well.

Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement.

Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.

Yes. American Express offers travel insurance as a benefit of some of its cards, but it also sells standalone coverage that you can purchase out-of-pocket. The latter tends to be more comprehensive and customizable to your needs.

No, you do not get automatic travel insurance with American Express. It is available as a benefit on certain cards. Refer to your terms and conditions to learn if you are covered.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as repatriation of remains or medical evacuation coverage .

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a

separate travel insurance policy

. If you only need

emergency medical coverage

, there are policies that provide that as well.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as

repatriation of remains or medical evacuation coverage

American Express travel insurance offers a wide array of benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. Determine whether an individual policy is a better fit for your risk tolerance than coverage that is included on an eligible card, then go from there.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Underwritten by AMEX Assurance Company.

Baggage insurance plans

Please visit americanexpress.com/benefit sguide for more details.

Premium Global Assist Hotline

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Card Members are responsible for the costs charged by third-party service providers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

6 Best Travel Insurance with COVID-19 Coverage in Singapore (Apr 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to buy travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions. Promotions are generous this Apr 2024— you could even win a Rolex Oyster Perpetual , 124200 34mm Silver (worth S$9,000), all-expenses paid trip, or a 2D1N staycation!

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

Back to top

2. Bubblegum Travel Insurance

Bubblegum Travel Insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you My Millennium Points and cashback when you purchase Bubblegum travel insurance:

• Get  2,400 My Millennium Points (worth $16) with every policy purchased.
• Plus, get  $15 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $80 to $119.99 OR  $25 Cash via PayNow with a premium of $120 and above.

Promotion valid till 30 Apr 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000 (which is about as high as it gets).

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $42, or just $3+ to $6 a day !

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

• Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)

Promotions valid till 7 Apr 2024 (Prizes 2 and 3) / 30 Apr 2024 (Prize 1).

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy an exclusive   58% off your policy premium for a limited time only ! Valid till 20 May 2024. • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 42% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy up to 45% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive lots of goodies with your MSIG travel insurance purchase:

• Receive  2,400 My Millennium Points (worth $16) with every policy purchased.
• $15 cash via PayNow with a premium of $65 to $119.99
• $25 cash via PayNow with a premium of $120 to $239.99
• $45 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $240 and above .

Promotion valid till 12 Apr 2024.

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   • Enjoy up to 28% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 28% off your Singlife travel insurance premiums these goodies thrown in:

• $10 cash via PayNow with a premium of $65 to $129.99
• $20 cash via PayNow with a premium of $130 to $329.99
• $30 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $330 and above .

Promotion valid till 29 Feb 2024.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I’ve experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[MoneySmart Exclusive | FLASH SALE]   • Enjoy 45% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.   [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter  on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Starr travel insurance .

Starr TraveLead Comprehensive Bronze

Personalise your travel insurance-Flexible coverage allows you to create a travel insurance plan with different types of coverage and addon that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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How to generate a travel insurance certificate for the AMEX Platinum Charge

Planning to use your AMEX Platinum Charge's complimentary travel insurance? Here's how to get proof of coverage.

While mandatory travel insurance requirements are starting to be scaled back around the world, some countries still require it for foreigners.

I firmly believe that no one should travel without insurance anyway, regardless of the rules, but what if your coverage comes from a credit card? Travel insurance from credit cards is just as valid as a stand-alone policy, but you won’t have that all-important one-page certificate with your name and details on it.

I’m not sure how it works for other cards, but thanks to Head for Points , I’ve learned it’s possible for AMEX Platinum Charge cardholders to generate personalised insurance certificates online.

AMEX Platinum Charge insurance

AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.

Coverage includes, among other things: 

• S$1 million for death or total permanent disability
• S$1 million of medical expense coverage
• S$4,000 of emergency dental treatment
• S$150 hospital cash allowance
• S$10,000 trip cancellation and postponement
• S$400 for flight or baggage delays

COVID-19 medical expenses are covered as well.

To generate an insurance certificate, head to this link and login with your American Express credentials.

Click “Get an Insurance Certificate”, then “English certificate”. 

You’ll be prompted to fill in your first and last name, email address, trip dates and passport number.

A PDF certificate from Chubb will be automatically generated and sent to your email. 

Now, here’s what I find interesting.

As mentioned earlier, insurance coverage is only applicable if you use the AMEX Platinum Charge to pay for the outbound and inbound legs of the trip. However, you can generate an insurance certificate regardless  of whether you’ve done this.

I think the legal team was careful to cover their bases here, as the letter only states that the individual is “entitled” to coverage, and adds the following clause:

“This insurance program provides coverage to the Insured when the travel costs for the originating and return journey of the trip are being charged to the Cardmember’s Platinum Charge Card”

Add the fact you can put anyone’s name on the certificate (understandable, given that the policy is meant to cover your spouse and dependent children as well) and it almost feels like a “generate your own insurance certificate” tool, something that could be easily abused. I mean, I can’t imagine the average check-in agent or immigration official could be bothered enough to cross reference your credit card statement and see if the coverage is actually active…

While other American Express cards like the AMEX KrisFlyer Ascend and AMEX Platinum Credit Card also come with complimentary travel insurance, the portal unfortunately does not allow you to generate certificates. In those cases, you’ll need to contact Chubb and see if they can assist you. 

AMEX Platinum Charge cardholders can generate a personalised travel insurance certificate that provides documentary proof of coverage (though I wonder how the person reading the certificate will know if the coverage is active!). It only takes a few minutes to do, and delivery is instant. 

For more information on travel insurance policies that cover COVID-19, refer to the link below.

Which travel insurance policies provide COVID-19 coverage?

• american express
• credit cards
• platinum charge

Similar Articles

How strict are credit card income requirements, amex highflyer card launches 24,600 bonus highflyer points welcome offer, 20 comments.

But why will you want to do that? The objective of buying insurance is to make sure you are covered, not really for the purpose of bypass the immigration.

Because… amex platinum charge insurance is just as good as purchased insurance

sometimes better

Hi, does the insurance also cover travelling partner who is not card holder?

Isn’t the covid-19 coverage mentioned right there in the certificate? Last paragraph…

Oh yes you’re right. I must be going blind. Thanks, will update

Do you know how I can do this fir HSBC Visa infinite

i think AMEX is the only one with this functionality. all others: call up the CSO

Does it work with Amex HighFlyer corporate card? even for this scenario if we redeem using our own Krisflyer miles “For the record, coverage will apply if you redeem airline miles and use the AMEX HF to pay for taxes and surcharges.”

Question: Did anyone actually get checked?

What was that email contact that could help in processing AMEX Plat Charge if your fixed incoming falls below 150K? Thanks Guys

Ddi you actually receive the pdf in email? How long does it take? I tried twice about a week back and have not received the cert via email so far.

got it almost instantly.

Is Amex Platinum charge card travel insurance comparable to the Chubb regular Travel Insurance policy for family? Are there anything that is not covered or should add on? Chubb travel agent does not have knowledge and couldn’t answers

Now getting this when I check the link above: Application is not availableThe application is currently not serving requests at this endpoint. It may not have been started or is still starting.

So I think no longer working.

Hello Aaron, do you know if the link has changed? No longer seem to be working for me.

yeah the link no longer works. haven’t found a replacement

I just discovered you can generate the insurance certificate from the Amex portal: 1) Login to https://www.americanexpress.com/en-sg/account/login/ 2) Click the top left menu > Insurance > Insurance Benefit Centre 3) Rest of the steps are then the same as what’s in this article

Can’t find the “insurance benefit centre” option. Seems to be missing

Spoke to the CSO, the below link worked for me. https://www.americanexpress.com/sg/insuranceportal

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Complimentary Travel Insurance with Citi Credit Cards

• Credit Cards
• Complimentary Travel Insurance

Travel Insurance

Simply charge the Full Fare of your travel ticket to your Citi Card and activate your Complimentary Travel Insurance before you travel.

Complimentary Travel Insurance feature is available for the following cards:

• Citi Rewards World Mastercard ® / Visa Signature Card
• Citi Cash Back World Mastercard / Visa Signature Card
• Citi Cash Back+ World Mastercard / Visa Signature Card
• Citi Lazada Visa Signature Card

Please note that with effect from 1 April 2019, complimentary travel insurance will only be offered to customers who charge their airfare to the Citi Cash Back Visa Signature Card and Citi Rewards Visa Signature Card.

Remember to activate your travel insurance prior to travel to enjoy the Complimentary Travel Insurance feature.

ACTIVATE YOUR TRAVEL INSURANCE HERE

Please note for Citi PremierMiles , Citi Prestige and Citi ULTIMA Cardmembers, complimentary travel insurance is auto-activated with either AIG or AXA upon full airfare charge. Kindly click on link for more details.

Please note that for claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, such claims should be filed with AIG Asia Pacific Insurance Pte. Ltd. (“AIG”). For claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 but ending after 31 Jan 2024, such claims should be filed with HL Assurance Pte Ltd.

Effective 1 Feb 2024, the complimentary travel insurance will be underwritten by HL Assurance Pte Ltd instead of AIG Asia Pacific Insurance Pte Ltd (“AIG”).

Travel Insurance Agent: HL Assurance Pte Ltd

Who is eligible.

Cardmember, spouse (who is also a Citi Cardmember) and dependent children. Refer to policy document for details and applicable terms and conditions .

For AIG, please click here

For HL Assurance Pte Ltd, please click here

Complimentary Travel Insurance Benefits

For full coverage, exclusions and other terms and conditions of this insurance, please refer to policy document.

For trips starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, please contact AIG. For trips starting on or before 31 Jan 2024 but ending after 31 Jan 2024, please contact HL Assurance Pte Ltd.

AIG Asia Pacific Insurance Pte. Ltd.

For enquiries or claims, please contact HL Assurance Pte Ltd Call centre at 6702 0202

(Mon - Fri, 9 am to 6 pm, except Public Holidays)

HL Assurance Pte Ltd's 24 hour emergency hotline no. for customer to call when overseas is 6922 6009 .

For more details and applicable Terms and Conditions of the Travel Insurance policy, please  click here .

For HL Assurance Pte Ltd. Claims, please contact HL Assurance Pte Ltd. directly at 6922 6003, Fax (65) 6224 1923, [email protected]

The insurance products or services described above are underwritten and provided by HL Assurance Pte Ltd.

Download the Claim form here .

The insurance products or services described above are underwritten and provided by AIG Asia Pacific Insurance Pte. Ltd.

For more information please contact CitiPhone at +65 6225 5225 .

The insurance products or services described above are underwritten and provided by AIG Asia Pacific Insurance Pte Ltd.

HL Assurance Pte Ltd

For more details and applicable Terms and Conditions of the Travel Insurance policy, please click here .

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Best Travel Insurance Plan in Singapore 2024

What do travel insurance plans cover.

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Best Travel Insurance Plans in Singapore Benefits Coverage

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Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

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TravelSure makes travel safer with over 50 benefits and COVID-19 coverage to take care of you, even before take off.

Special offers

From now till 31 July 2024, enjoy 40% premium discount for Single-Trip plans and 20% premium discount for Annual plans.

• COVID-19 coverage COVID-19 coverage is automatically included for Single and Annual plans. Get up to SGD250,000 medical expense coverage when you travel overseas. Please refer to the COVID-19 section for more information.
• Overseas medical expenses Be covered up to SGD1,000,000 for overseas medical expenses.
• Replacement of traveller Pays for the charges incurred for change of traveller due to you or insured person not being able to travel as a result of serious injury, illness or death 30 days prior to the trip.
• Delayed departure Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport.

Summary of benefits

The limits shown above are based on Individual sum insured. Learn more about the full coverage details .

How to buy TravelSure

Buy travelsure online now.

• Contact MSIG Singapore
• Submit your claims online

Important Notes 

This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in or guaranteed by HSBC. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG. This is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. 

This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg websites.

The information and opinions contained in this website are for information only, have been obtained from sources believed to be reliable, but HSBC makes no representation or warranty as to their adequacy, completeness, accuracy or timeliness for any particular purpose, are subject to change without notice, and are not intended for distribution to, or use by, any person or entity outside Singapore or in any jurisdiction or country where such distribution or use would be contrary to law, regulation or rule. HSBC does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.  

Where specific products are advertised and/or recommended, please note (a) the recommendation is intended for general circulation; (b) the recommendation does not take into account the specific investment objectives, financial situation or particular needs of any particular person; (c) advice should be sought from a financial adviser regarding the suitability of the products, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the products; should the person choose not to do so, he should consider carefully whether the product is suitable for him; in particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction; and (d) this advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

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AZUR Legacy Collection Hotel

The Blue Diamond Two Bedroom Penthouse features a living room as well as a spacious terrace offering views of the North Shore Mountains and Harbor Tower.

The hotel is housed in a 13-story building and embraces an Art Deco design, seen in the black and white marble tiled lobby as well as the brass accents. The guest rooms and suites continue this theme, with a crisp, tailored look and a subdued blue and white color palette. Marble bathrooms feature heated floors and walk-in showers.

DAHLIA is an all-day dining venue celebrating the flavors and style of the French Riviera and Italian Coastline. Menus incorporate sustainably sourced ingredients from the arms, fields, and oceans of British Columbia and beyond. The 14th floor Lavantine Rooftop Restaurant & Skybar offers city views as well as cuisine that marries flavors from the Levant with a West Coast touch.

Unwind in the privacy of your own room, or head to Stanley Park to soak up the lush greenery and stroll along the seawall.

There’s plenty to do on land and sea. Sign up for a boat tour to spot whales, dolphins, and sea lions or enjoy the rainforest views from Capilano Suspension Bridge Park. Both the Vancouver Art Gallery and the Bill Reid Gallery of Northwest Coast are within walking distance from the hotel.

Location of AZUR Legacy Collection Hotel

833 W Pender St.. Vancouver, British Columbia V6C1K7 Canada

Vancouver International Airport.

• Room upgrade at check-in, when available †
• Experience Credit : $100 property credit to spend on qualifying dining, spa, and resort activities.

† Certain room categories are not eligible for upgrade.

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Looking for more? See all our luxury hotels in Vancouver, British Columbia CA

Fine Hotels + Resorts

Valid only for new Fine Hotels + Resorts bookings made through the Centurion Travel Service, or American Express Travel Online (Only available in selected markets). Payment must be made in full with an American Express Card in Centurion® Member’s name. Available for Platinum Charge Card Members and Centurion® Members only, and excludes Platinum Credit Card Members who are not also Platinum Charge Card Members. Card Member must travel on itinerary booked to be eligible for benefits described.

Noon check-in and room upgrade are based on availability and are provided at check-in.

Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast.

Complimentary In-Room Wi-Fi is provided. In the case where a Property includes cost of Wi-Fi in a mandatory resort fee, the Card Member will receive a daily credit from the Property in the standard amount that the Property charges for Wi-Fi. The credit will be issued on the Card Members final statement upon check-out.

Benefit restrictions vary by Fine Hotels + Resorts property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Advance reservations are recommended for services such as spa, dining or golf in order to take advantage of the Fine Hotels + Resorts special amenity during your stay. Benefits and additional Fine Hotels + Resorts promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Card Member, per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating Fine Hotels + Resorts properties and benefits are subject to change.

The Hotel Collection

Valid only for new The Hotel Collection bookings with participating providers of two or more consecutive nights made through the Centurion Travel Service or American Express Travel Online. Available only for the following American Express Card Members: Consumer and Business Platinum Card® Members and Consumer and Business Centurion® Members (“Eligible Card Members”). The term “Eligible Card Members” does not include Platinum Credit Card Members. Payment must be made in full with an American Express Card in the Eligible Card Members name. Eligible Card Member must travel on itinerary booked to be eligible for benefits described. *A one category room upgrade is based on availability and eligibility at check-in to the hotel. **The Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible charges exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offers or programs unless indicated. Limit one credit per room, per stay. Three-room limit per Eligible Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits subject to change.

What’s covered by credit card travel accident and emergency evacuation insurance?

Editor's Note

Many perks available from your credit cards are well-known and well-utilized. However, benefits such as trip cancellation insurance , delayed baggage insurance , lost baggage insurance , and trip delay protection can quite literally save the day and justify paying an annual fee.

Today, we'll explain a couple of lesser-known benefits that you hopefully won't have to use but, if needed, can protect you from extreme financial hardship and ensure your family and loved ones are provided for if something happens to you.

You can easily find the coverage and terms of any protection your travel credit card offers by doing a quick web search for the card's updated benefits guide. These benefits are not exclusive to travel credit cards , and many standard credit cards come with travel protection and insurance.

Travel accident insurance

Often called common carrier insurance , this policy pays in case of death, loss of eyesight or loss of limb(s) while on a plane, train, ship or bus licensed to carry passengers and available to the public. A few cards also have travel accident insurance that offers protection for the entire duration of a trip (up to 31 days long) but pays out less than the common carrier insurance policies. To be eligible, you must typically pay for the entire fare with the credit card.

Different credit cards have different payment tables for how much your beneficiary would receive in case of death, losing one limb, losing two limbs, losing sight in one eye or becoming legally blind. Coverage is also typically extended to authorized users on the account, spouses, domestic partners, and dependent children of the cardholder on trips paid for with the card.

By default, the beneficiaries in order of precedence are spouse, then children, then estate. You can submit a letter to the card issuer to establish another beneficiary.

Emergency evacuation insurance

In the past, when traveling to remote destinations like the Maldives and Fiji, I bought third-party emergency medical evacuation insurance , not realizing the cards I already had would have covered me. There are a few crucial aspects of emergency evacuation insurance offered by credit cards that you need to understand and follow so you don't compound your medical situation with the stress of financial hardship:

• Everything must be approved and coordinated through a benefits administrator. This is who you or your companions should call when things first start to look like you'll need assistance. You will not be reimbursed for anything that you decide to pay for on your own.
• Evacuation does not mean repatriation. If you're far overseas, you won't be evacuated back to the U.S. Most policies state you'll be moved to the nearest medical facility capable of proper care.
• Preexisting conditions may lead to your request for evacuation at the credit card provider's expense being denied. Read your credit card's full terms and benefits guide to see which exclude these conditions and the credit card's definition of a preexisting condition.
• The coverage is only for the cost of evacuation and medical care during transportation. Once you're back on the ground, you still need medical insurance to pay the doctors and staff who provide care.
• Some cards have country exclusions, so don't expect to head into Syria or Afghanistan and rely on your credit card benefits administrator to get you to a hospital.

To get all the relevant information, download and read the entire section of the benefits guide pertaining to these coverages. Here are a few cards offering travel accident and/or emergency evacuation insurance.

The Platinum Card® from American Express

The Amex Platinum card removed travel accident insurance in 2020. However, it still offers the most generous emergency evacuation insurance of any card.

There's no cost cap , and benefits are extended to immediate family and children under 23 (or under 26 if enrolled full-time in school). Best of all, you don't even have to use the card to pay for the trip.

You must be on a trip less than 90 days in length and at least 100 miles away from your residence. A Premium Global Assist (PGA) administrator must coordinate everything to not incur any cost. The benefit will also pay economy airfare for a minor under 16 to be returned home if left unattended, pay for an escort to accompany that minor if required to get them home and get a family member to the place of treatment if hospitalization of more than 10 consecutive days is expected.*

Other American Express cards offer access to the Premium Global Assist Hotline. However, anything they coordinate will be at your expense. Make sure you read your Amex card's benefits guide carefully.

For more details, see our full review of the Amex Platinum .

Related: Your complete guide to Amex travel protections

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

Apply here: Amex Platinum

Chase Sapphire Reserve® and Chase Sapphire Preferred® Cards

The Chase Sapphire Reserve ® offers two travel accident insurance benefits : common carrier travel accident insurance and 24-hour travel accident insurance. The former applies while riding as a passenger in, entering or exiting any common carrier. The latter applies any time during your trip — but you cannot be paid out on both the common carrier and 24-hour policies.

If you use your Chase Ultimate Rewards points to book your trip, you are covered under the card's benefits.

People eligible for coverage include "you, your spouse, your spouse's or domestic partner's children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews." Chase pays up to $1,000,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

Some interesting exclusions with Chase that would prevent a payout include the insured person participating in a motorized vehicular race or speed contest, the insured person participating in any professional sporting activity for which they received a salary or prize money or if the insured person traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket-launched aircraft.

The Chase Sapphire Reserve® also offers emergency evacuation insurance. If you or an immediate family member paid for at least a portion of your trip with the card, you're eligible for up to $100,000 in emergency medical evacuation.

Your covered trip must last between five and 60 days and be at least 100 miles from your residence. If you are hospitalized for more than eight days, the benefits administrator can arrange for a relative or friend to fly round-trip in economy class to your location. If your original ticket cannot be used, you can also be reimbursed for the cost of an economy ticket home. In a worst-case situation, the benefit also pays up to $1,000 to repatriate your remains.

The Chase Sapphire Preferred Card offers the same travel accident insurance as the Reserve, except with lower payouts on the common carrier policy. The benefits pay up to $500,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

For more details, see our full reviews of the Chase Sapphire Reserve and Chase Sapphire Preferred .

Related: Your guide to Chase's trip insurance coverage

Apply here: Chase Sapphire Reserve and Chase Sapphire Preferred

United Club℠ Infinite Card

The top-tier United Club℠ Infinite Card offers travel accident and emergency evacuation insurance. The travel accident insurance benefits pay up to $500,000 for a common carrier loss.

The card also carries the same benefit as the Chase Sapphire Reserve for emergency evacuation coverage, with up to $100,000 of coverage provided for evacuation.

For more details, see our full review of the United Club Infinite Card .

Apply here: United Club Infinite

Bottom line

We hope none of us perfectly ever have to worry about either of these policies, but it's nice to have peace of mind if you or your family need emergency assistance. This reassurance is one more reason to ensure one of these cards is always in your wallet when traveling.

The benefit guides of all cards are updated regularly, so make sure you don't toss them in the trash when updates show up in the mail and read the online guides for the latest terms and conditions.

Related: The best credit cards with travel insurance

• Introduction to Berkshire Hathaway Travel Insurance
• Travel insurance plans
• Types of Policies Offered
• Travel Insurance Cost

How to Purchase and Manage a Berkshire Hathaway Policy

• Customer Service and Claims Experience

Compare Berkshire Hathaway Travel Insurance

• Why You Should Trust Us

Berkshire Hathaway Travel Protection Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Berkshire Hathaway is a multinational conglomerate currently helmed by Warren Buffett. It has a particularly robust insurance department, operating widely known auto insurer GEICO . It also provides a wide variety of travel insurance policies fitting for a major player in insurance market. 

This review will help you understand what Berkshire Hathaway Travel Protection has to offer and guide you toward the right insurance package for your needs.

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
• con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
• con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
• con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

• This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
• Travelers can file claims directly from a smartphone by using the BHTP app

Berkshire Hathaway Travel Insurance Review

Berkshire Hathaway offers a whopping eight plans that cover a wide variety of trips, whether you are planning a road trip, taking a cruise , or focusing on luxury or adventure. If you're unsure of what you need, the flagship ExtraCare product covers the essentials.

With such a variety of plans, Berkshire Hathaway landed a spot in our guide on the best travel insurance companies . It offers low cost options and generally keeps premiums low, even for older travelers. Additionally, all of its policies, excluding its air travel-only plan, offer pre-existing medical condition coverage.

That said, there are a few key exclusions that hold Berkshire Hathaway back. For one, its cancel for any reason coverage is reserved for the most expensive LuxuryCare tier, and it only covers 50% of trip costs when most of the best CFAR travel insurance policies offer 75% back. Additionally, Berkshire Hathaway's claims system is reportedly spotty, and the company rarely engages with its customer reviews

Types of Policies Offered by Berkshire Hathaway

Berkshire Hathaway offers several travel insurance policies for diverse needs. 

The most popular policy, ExactCare, will work for most travelers. ExactCare's travel-agnostic insurance package offers 3 coverage tiers: ExactCare Value, ExactCare, and ExactCare Extra. Each of these policies covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance. 

Additional coverage options from Berkshire Hathaway

Category-specific insurance plans are available as well for the following types of travel:

Road trip coverage (ExactCare Lite): ExactCare Lite is a low-coverage policy for nonrefundable costs on domestic road trips such as hotel rooms, attractions, and event tickets. ExactCare Lite also includes emergency medical and medical evacuation coverage for covered events occurring more than 100 miles away from your home.

Importantly, if you have pre-existing conditions that require ongoing care such as diabetes, high blood pressure, etc., a preexisting conditions waiver can be purchased within 15 days of the initial trip payment. Similarly, coverage for your kids can be included if purchased within 15 days of the initial trip payment.

Cruise coverage (WaveCare):  WaveCare covers nonrefundable costs and medical emergencies on cruises, covering cancellations up to $25K per person and medical evacuation coverage up to $750K, which is important since sea to land evacuations can be costly. 

Adventures and activities coverage (AdrenalineCare): If you're taking a bucket list trip with increased risk, higher costs, or complex travel details, take a look at AdrenalineCare. This comprehensive policy offers higher coverage ceilings for trip cancellation or interruption, equipment delay, license fee refunds, medical emergencies, lost baggage, and medical evacuation.

This product is especially useful if you're planning a trip with tight connections for transit, such as short times between connecting flights or a risky transfer from a vehicle to a boat or plane since the plan includes coverage for missed connections. Coverage for pre-existing conditions, financial default, and terrorism is included.

Flight coverage (AirCare): AirCare covers expenses specific to aviation travel including unexpected aircraft and tarmac delays, equipment failure, lost luggage, flight diversions, and late-night travel delays. This product is a good fit for travelers who are comfortable managing other aspects of travel risk on their own but want additional peace of mind in the event of flight-related hiccups.

AirCare sells a standalone policy or as an add-on alongside Berkshire Hathaway's lower-tier travel insurance plans.

Berkshire Hathaway Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for Berkshire Hathaway plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Berkshire Hathaway's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• ExactCare Value: $61
• ExactCare: $112
• ExactCare Extra: $99
• LuxuryCare: $121
• AdrenalineCare: $115

Premiums for Berkshire Hathaway plans are between 2% and 4% of the trip's cost, well within the average cost of travel insurance.

Berkshire Hathaway provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• ExactCare Value: $135
• ExactCare: $178
• ExactCare Extra: $178
• LuxuryCare: $247
• AdrenalineCare: $233

Once again, premiums for Berkshire Hathaway plans are between 3.4% and 6.2% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• ExactCare Value: $509
• ExactCare: $430
• ExactCare Extra: $771
• LuxuryCare: $972
• AdrenalineCare: $933

Quotes for this trip cost between 2.15% and 4.9%, within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• ExactCare Value: $272
• ExactCare: $526
• ExactCare Extra: $462
• LuxuryCare: $582
• AdrenalineCare: $584

Premiums for Berkshire Hathaway plans for older-age travelers are between 4.5% and 9.7%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

Berkshire Hathaway's online quote generator is intuitive and easy to use. You'll need to provide the following information for a quote: 

• Destination country
• Travel dates
• Date of booking
• Traveling method (Car, plane, ship)
• Number of flight segments
• Postal code
• Number of travelers
• Traveler(s) age 
• Trip cost per traveler
• Email address

Once you submit those details, you'll get a list of eligible travel insurance policies and the cost comparison. If you're traveling by air, you'll have to input your flight information. You can also add bonus coverage options and riders to your insurance shopping cart before completing the transaction online.

How to File a Claim with Berkshire Hathaway Travel Insurance

Berkshire Hathaway customers can file a claim through the claims portal, by emailing claims [email protected], or calling (844) 411-2487 and choosing option 5 (+1 (715) 303-6333 for people abroad). Customer service representatives are available between 7 a.m. and 7 p.m. Central Time, Monday through Friday, and the company is closed for national holidays. Callers can also reach an emergency operator 24/7 for travel or medical assistance by selecting options 1 or 2.

You can also file a claim using the dedicated app, available for both iOS and Android devices. That said, customer reviews have mentioned that the app doesn't work, so a more traditional route may be more reliable.

Customers have a year from when the loss occurred to file a claim, though Berkshire Hathaway encourages claimants to file as soon as reasonably possible. For certain types of claims, such as lost baggage, you only need to submit a photograph of the claim you filed with the airline in addition to some basic information about the situation.

Berkshire Hathaway Customer Service and Claims Experience

Berkshire Hathaway boasts an average of 4.31 stars out of five on its Squaremouth page. Most of the positive customer reviews center around peace of mind. Customers were glad they had their policy but didn't have to file a claim. Many of these reviews focus on the buying process, which is fast and customer service is responsive. Reviews note easy processing if you need to push your trip back (and use the same policy for your new trip).

That said, reviews where a claim was involved were more checkered. Customers reported difficulty reaching Berkshire Hathaway's claims team and long wait times, which may be more pronounced during high travel seasons.

While reviews allow customers to air their grievances or sing the praises of their insurance company, they're also a great way for customers to get a response from a company when all other communication methods fail. Many travel insurance companies regularly respond to customer reviews on SquareMouth, Trustpilot, and the Better Business Bureau. Unfortunately, Berkshire Hathaway is not one of these companies. 

Learn more about how Berkshire Hathaway compares to top travel insurance providers.

Berkshire Hathaway Travel Protection vs. Nationwide Travel Insurance

Berkshire Hathaway is ranked favorably next to Nationwide, which is one of the most popular travel insurance providers in the market. You can't go wrong picking a plan from either company. Both offer similarly priced and customizable policies for different types of travelers. These plans are highly ranked by both the Better Business Bureau and thousands of positive customer reviews.

Read our Nationwide Travel Insurance review here.

Berkshire Hathaway Travel Protection vs. WorldTrips Travel Insurance

If you're in the market for one of Berkshire Hathaway's budget insurance policies, you may also want to consider options from WorldTrips. Like Berkshire Hathaway, WorldTrips is an industry leader providing low-cost plans with great coverage for most trips at competitive rates.

If you need travel medical insurance for a study abroad program, WorldTrips offers an international policy designed to meet students' needs. Keep in mind, WorldTrips has exclusions for pre-existing conditions on many policies. So if you're planning on being abroad for an extended period, you should make prior arrangements for things like diabetes, asthma, or other chronic conditions.

Read our WorldTrips Travel Insurance review here.

Berkshire Hathaway Travel Protection vs. Credit Card Travel Insurance

If you're considering the ExactCare Lite or AirCare travel plans from Berkshire Hathaway, you might find equal or even superior credit card travel protection .

Some credit card providers offer travel insurance benefits with sizable payouts. This includes reimbursements for lost or delayed baggage far exceeding Berkshire Hathaways coverage limits. Similarly, some of the best credit cards offering travel insurance also advertise generous ceilings for medical insurance and evacuation benefits extending coverage into the million-dollar range.

Read our guide on the best credit cards with travel insurance  here

Berkshire Hathaway Travel Protection FAQs

Yes, Berkshire Hathaway offers plans for international travelers such as its ExactCare, ExactCare Extra, ExactCare Value, and LuxuryCare.

Berkshire Hathaway has a plan for adventure sports and activities called the AdrenalineCare plan.

Customer reviews on Berkshire Hathaway's claims process are very mixed. Some customers reported a quick and simple claims process while others report having gone over a month without resolution or communication. 

Yes, almost all of Berkshire Hathaway's policies offer pre-existing medical condition waivers . 

Berkshire Hathaway is known for its reliable coverage options, comprehensive plans for various travel needs, and a strong reputation in the insurance market.

Why You Should Trust Us: How We Reviewed Berkshire Hathaway Travel Insurance

To review Berkshire Hathaway Travel Protection, we looked at coverage limits, cost, customer service, claim limits, how plans can be customized, and much more. Then we compared these factors with the best travel insurance companies .

We named Berkshire Hathaway as a top pick in Insider's best travel insurance companies guide because of the company's long-standing reputation in insurance. Berkshire Hathaway's travel insurance policies provide a slew of coverage options at different price points for various types of travelers. Furthermore, the company offers great customer support, intuitive resources, and a big name giving customers peace of mind.

Learn more about how we rate travel insurance companies .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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