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Travel Guard® Direct

AIG. Think Ahead.

Leading travel coverage to match a leading travel hub. 

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Important Notice

There have been large-scale protests in Hong Kong since June 2019.

No cover will be provided for losses or damages in connection with such ongoing protests and associated disruptions unless the Travel Guard or Travel Guard Direct policy was purchased before 5 August 2019 0001 hours.

We think ahead of your travel needs

We are the only insurer in Singapore with wholly-owned global service centres in key locations worldwide. Through these centres, we provide a broad range of travel assistance services, before, during and after the trip, 24/7/365. Making a claim? We deliver faster, hassle-free travel claims payments via PayNow so as to enhance your experience with us. Take a look below to see all the ways we think ahead to ensure a smooth journey for you, from start to finish.

Be aware of the typical causes of a trip cancellation and how you can be prepared.

No one wants to cancel their holiday but sometimes it’s unavoidable.

You can’t control whether an earthquake or epidemic will break out at your holiday destination. You can’t stop a volcano eruption from spewing ash. And you can’t personally negotiate with a union to stop a crew strike from grinding an airline’s operations to a halt.

We know, reality bites, and situations can and will force you to put your holiday on hold. What you should also know is how these situations could be covered by your Travel Guard Direct.

Travel Guard Direct can cover you in these situations

The following unexpected situations have a high chance of causing a trip cancellation. That’s where Travel Guard Direct is essential as it covers a wide range of unexpected issues that could arise before your trip commences.

Here are some situations you should protect yourself from:

Natural disasters

This is a clear-cut situation in which you should cancel your trip. Getting to your travel destination is most likely unachievable depending on the severity of the disaster. For example, damage from typhoons or earthquakes could cause closure of your destination airport until matters have stabilised. Even when airports reopen, recovery efforts may still be underway.

Advisory against non-essential travel

If a government advisory against non-essential travel to your holiday destination is issued, it’s a clear sign to cancel the trip.

Such advisories are not to be taken lightly and are only in place for major incidents. Such incidents could range from an epidemic breakout, to even civil unrest or terror threats.

Strikes at airports

Usually there’s no telling how long a strike will last. While some strikes can be resolved within a matter of hours, there are some that go on for days or weeks.

If a strike occurs on your departure day, it is likely to impact your trip. While some airlines will find alternative means to get you to your destination, it’s not guaranteed. If the airline doesn’t manage to resolve your travel disruption, you might have to cancel your trip. Fortunately, your Travel Guard Direct will cover for scheduled covered transport services.

Family and home emergencies

In the unfortunate event that a home or family emergency occurs, it is often something you can’t avoid, hence requiring you to change your travel plans.

Home emergencies such as a house fire or damage due to natural disasters or extreme weather conditions could also derail your travel plans. Directly after such a serious event, you probably have to act to secure your home and prevent further damage and wouldn’t be able to or necessarily be keen to travel.

What will you be covered for?

In the event of a covered trip cancellation, if you’ve exhausted your options to reclaim your expenses from your airline, hotel and travel operators, Travel Guard Direct will step in.

Travel and accommodation coverage

When it comes to trip cancellations, your transport and accommodation expense are usually the major items. With the former, you may be able to get a full refund from your airline but that will depend on the fare type you have purchased.

Getting a refund on your accommodation will depend on the type of booking you’ve made. Some hotels allow free cancellations up to 48 hours before you begin your stay.

Visa costs

Claiming the cost of your travel visa in the event of a trip cancellation is something that you might not consider.

Most insurers offer broad travel coverage, though it might not be clear whether the cost of visas is specifically covered under a trip cancellation claim. Travel Guard Direct plans do cover the costs of travel visas for a qualified trip cancellation.

Excursion costs

It’s not only the big ticket items such as flight and hotel costs you should be concerned with, the cost of pre-booked excursions can also add up.

Most travel insurance plans would cover this under a broad entertainment cost. If the cost is not reimbursable from other sources, Travel Guard Direct covers the costs of excursions, tours and activities for a qualified trip cancellation.

Key benefits

Unlimited emergency medical evacuation

Feel secure knowing you are covered for unlimited evacuation expenses in case of a medical emergency.

Enhanced one-way single-trip plan

Get covered for your personal belongings and travel delay even if you are travelling one-way from Singapore.

24/7 in-house global assistance and emergency internet use
 

AIG is the only travel insurer in Singapore with our own global assistance service centres in eight locations worldwide. You can get reimbursed for up to S$500 for any internet charges incurred by you to contact our emergency assistance hotline.

Cover for leisure sports

From skiing to tandem skydiving, enjoy amateur leisure activities without worries. Our Enhanced and Supreme plans also cover lost sporting equipment.

Reliable and responsive claims

We pay an average of S$30,000 in travel claims every working day. File online or call our claims hotline – our experts are ready to assist you.

Option for cruise vacation benefits

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

What is covered

Benefits

Return Trip Plans

One-Way
Plan

Supreme

Enhanced  

Standard

Basic

 

Unable to commence travel (pre-departure)

Cancellation of your trip (pre-departure)

S$15,000

S$10,000

S$5,000

S$5,000

Included

Alteration of your trip (pre-departure)

S$2,000

S$1,000

S$500


-

Included

Replacement of traveler

S$1,000

-

-

-

Included

Travel cancellation due to insolvency

S$5,000

S$3,000

S$1,000

-

Included

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Overseas medical expenses

Insured person (under age 70 years)

S$2,500,000

S$1,000,000

S$200,000

S$100,000

-

Insured person (age 70 years or older)

S$200,000

S$75,000

S$50,000

S$10,000

-

Children

S$300,000

S$200,000

S$200,000

S$60,000

-

Medical expenses – woman's benefit

S$8,000

S$5,000

-

-

-

Treatment by a healthcare professional

S$750

S$500

-

-

-

Overseas emergency medical related expenses

Emergency medical evacuation and emergency medical repatriation

Unlimited

Unlimited

S$500,000

S$50,000

-

Accompanying person

S$15,000

S$10,000

S$3,000

-

-

Compassionate visit

S$10,000

S$5,000

S$3,000

S$3,000

-

Child guard

S$10,000

S$5,000

S$3,000

-

-

In-hospital cash overseas – S$200 for every 24 hours

S$50,000

S$30,000

S$10,000

-

-

In-hospital cash in Singapore – S$100 for every 24 hours

S$1,500

S$1,000

S$500

-

-

Emergency telephone and internet use

S$500

S$300

S$100

-

-

Continuing medical expenses – in Singapore

(a) For injury sustained while overseas

Insured person (under age 70 years)

S$50,000

S$25,000

S$10,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$10,000

S$10,000

S$10,000

-

-

(b) For illness sustained while overseas where emergency medical evacuation has been arranged by ATAP

Insured person (under age 70 years)

S$50,000

S$25,000

S$10,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$10,000

S$10,000

S$10,000

-

-

(c) For illness sustained while overseas where emergency medical evacuation has not been arranged by ATAP

Insured person (under age 70 years)

S$10,000

S$5,000

S$2,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$5,000

S$2,500

S$1,000

-

-

Overseas dental expenses

Included in overseas medical expenses

Included in overseas medical expenses

Included in overseas medical expenses

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

(a) Repatriation of mortal remains or funeral expenses overseas

Unlimited

Unlimited

S$500,000

S$50,000

-

(b) Repatriation of mortal remains or funeral expenses overseas due to existing health conditions:

Insured person (under age 70 years)

S$150,000

S$150,000

- - -

Insured person (age 70 years or older)

S$75,000

S$75,000

- - -

Children

S$100,000

S$100,000

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Early return home

S$15,000

S$10,000

S$5,000

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Individual – S$100 for every six hours

S$3,000

S$2,000

S$1,000

S$200

Included

Family – S$250 for every six hours

S$7,500

S$5,000

S$2,500

S$500    

Included

Kidnap and hostage – S$250 for every 24 hours

S$10,000

S$5,000

-

-

-

Hijack of common carrier – S$250 for every 24 hours

S$10,000

S$5,000

-

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Personal Liability

S$1,000,000

S$500,000

-

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Loss of personal baggage items

S$10,000

S$5,000

S$3,000

S$3,000

-

Item limits:

(i) Laptop computer

S$1,000

S$1,000

S$1,000

S$1,000

Included

(ii) Jewellery

S$1,000

S$1,000

S$1,000

S$1,000

Included

(iii) All other items

S$500

S$500

S$500

S$500

Included

Baggage delay

Individual – S$200 for every six hours

S$1,600

S$1,200

S$1,000

-

Included

Family – S$500 for every six hours

S$4,000

S$3,000

S$2,500

-

Included

Fraudulent use of credit card

S$3,000

S$2,000

-

-

-

Loss of travel documents

S$8,000

S$5,000

S$1,000

S$300

Included

Loss of personal money

S$300

S$200

S$100

S$100

Included

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Accidental death and permanent disablement

Insured person (under age 70 years)

S$300,000

S$200,000

S$100,000

-

Included

Insured person (age 70 years or older)

S$150,000

S$100,000

S$50,000

-

Included

Children

S$100,000

S$100,000

S$50,000

-

Included

Common carrier double cover

Insured person (under age 70 years)

S$600,000

S$400,000

-

-

-

Insured person (age 70 years or older)

S$300,000

S$200,000

-

-

-

Children

S$200,000

S$200,000

-

-

-

Children education grant (S$5,000 per child)

S$20,000

S$20,000

-

-

-

Credit card Indemnity

S$3,000

-

-

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Damage or loss of golfing equipment

S$1,500

S$1,000

-

-

-

Hole-in-one

S$250

S$250

-

-

-

Green fees

S$250

S$250

-

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Loss of sporting equipment

S$2,000

S$1,000

-

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Pet care – S$50 for every six hours

S$750

S$500

-

-            

-

Disruption benefit

S$750

S$500

-

-

-

Loss of home contents

S$5,000

S$3,000

-

-

-

Car rental excess charges and return

S$1,500

S$1,000

-

-

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

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Cruise vacation benefit

S$15,000

S$10,000

-

-

-

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

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 web-sites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Learn more about Travel Guard Direct offerings

 

Product Enhancement

AIG is constantly listening to our customers’ feedback and making improvements to our products. We are pleased to inform you that some changes have been made to enhance AIG's Travel Guard Direct to stay relevant to customers’ needs. 

Work is already underway at AIG to enhance our Travel Guard Direct product, including covering travel delays on an ‘all-risk’ basis, i.e., the travel delay is covered provided the delay was not caused by the action(s) of an Insured Person. 

In the interim, and with immediate effect, we will be covering travel delay claims on an ‘all-risk’ basis. This applies to all travel delay notifications with an event date on or after 1 September 2018, irrespective of the policy purchase date and/or travel departure date.

Please note that the policy terms and conditions related to Section E of the Travel Guard Direct policy are still applicable, together with the clauses relating to Part 3 – General Definitions, Exclusions & Conditions. When submitting the travel delay claim, the claimant still needs to provide written proof by the Common Carrier clearly stating the reason for the delay and the period of the delay.

The existing policy wordings available on our website will continue to be valid, unless otherwise stated here. We thank you for your continuous support.

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

Renew your existing AIG Annual Travel Insurance

Support

Call us

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

Enquire online

Send an enquiry

 

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