Travel Guard® Direct

One of Singapore’s leading travel coverage now comes with enhanced benefits


Now with benefits that include coverage for COVID-19

As you look forward to travelling again, we recognise that travelling has taken on a new norm. That’s why we have enhanced our market-leading travel insurance coverage, Travel Guard Direct, with new benefits.

Subject to policy terms and conditions, this coverage comes packed with travel benefits, such as overseas medical expenses and emergency medical evacuation, pre-trip cancellation, loss of personal belongings, baggage delay and more. In addition, get access to AIG’s wholly owned 24/7 global assistance network for your emergency travel and medical assistance whilst abroad. All of these benefits will help to ensure you have greater peace of mind with AIG’s world-class travel protection.


To get a quick quote, select the destination you are traveling to:

New Benefits: COVID-19 Coverage

COVID-19 Coverage

Overseas medical expenses & emergency medical evacuation

Up to S$250,000 for overseas medical costs and evacuation incurred if you test positive for COVID-19 during your trip.

Cancellation of your trip

Up to S$7,500 for trip cancellation occurring within 30 days before your departure date as a result of you or your immediate family member testing positive for COVID-19.

Alteration of your trip

Up to S$1,500 for trip postponement occurring within 30 days before your departure date as a result of you or your immediate family member testing positive for COVID-19.

Early return home

Up to S$7,500 if you or your immediate family member are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

Out-of-country COVID-19 diagnosis quarantine allowance

Up to S$100 per day per person for up to 14 consecutive days, if you test positive for COVID-19, and placed into mandatory quarantine outside Singapore.


Key Benefits

Overseas medical expenses & emergency medical evacuation

Up to S$2,500,000 for overseas medical expenses and unlimited evacuation expenses in case of medical emergency.

Loss of personal belongings

Up to S$10,000 reimbursement if you lose your personal belongings.

Pre-trip cancellation

Up to S$15,000 for transportation and accommodation expenses, visa and excursion cost for trip cancellation under the covered events.

Baggage delay

Up to S$1,600 if your baggage is delayed for collection at your destination airport.

Option for cruise vacation benefits

Coverage for cancellations or interruptions to your cruise holiday due to covered conditions. Only applicable for selected plans.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( or or

Case Study Illustration

Before you buy

You must be departing from Singapore and be ordinarily resident in Singapore.

Travel Guard Direct is for travellers of all ages, with no age limit.

If you travel frequently, consider purchasing an Annual Multi-Trip Plan for greater value and convenience.

You get:

  • Cover for an unlimited number of overseas trips within the policy year (for trips of less than 90 consecutive days each).
  • Immediate coverage when you travel, without the hassle of purchasing a plan each time.
  • Choice of individual and family plans.

Note: The Family Annual Multi-Trip Plan is for you plus your spouse named in the policy schedule and your children. During the policy period, coverage will apply to you and your spouse whilst travelling independently. However, your children must be travelling with you or your spouse on the same itinerary.

The maximum period of coverage for an overseas trip is:

  • For Return Single-Trip Plan: 182 consecutive days.
  • For One-Way Single-Trip Plan: one trip during the policy period and ending one you arrive at your first overseas destination (excluding transit countries).
  • For Annual Multi-Trip Plan: 90 consecutive days for each overseas trip.

General exclusions include any loss, injury, damage or legal liability arising from:

  • Any pre-existing medical conditions, except for repatriation of mortal remains or funeral expenses overseas due to existing health conditions.
  • Participation in extreme sports and sporting activities.
  • Participation in expeditions, manual work, missionary and humanitarian travel.
  • When you are travelling against the advice of a medical practitioner.
  • Any travel in, to, or through Cuba, Iran, Syria, North Korea, or the Crimea region.

Please refer to the policy wording for the full terms, conditions and exclusions.

Buy this plan


Call us

Enquiries: 6419 3000
24-hour overseas emergency assistance hotline: 6733 2552
24-hour travel claims hotline: 6224 3698

Enquire online

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