TRAVEL GUARD DIRECT
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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.
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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 |
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 (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).
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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.
FAQ – Travel Insurance Policy Changes
As travel restrictions and measures remain dynamic, we understand that your travel plans may change too. To offer greater flexibility, all AIG’s Travel Guard® and Travel Guard® Direct policyholders will be able to make changes to their policies via AIG’s self-help online portal.
How can I make changes to my Travel Guard® and Travel Guard® Direct insurance policy?
You can make certain changes to your travel insurance policy via AIG’s self-help online portal.
Single Trip Policies
When can I make changes to my single trip travel insurance policy?
Changes to your travel insurance policy can be made any time before your policy effective date.
Am I allowed to make any changes to my single trip travel insurance policy after submitting a claim?
Changes cannot be made to your travel insurance policy if claims have been submitted (approved or pending).
I have to postpone my trip to a later date. Am I allowed to change the travel dates of my single trip insurance policy that was already purchased and issued?
Yes, you can change your travel dates via AIG’s self-help online portal. If the duration of your trip, trip destination, number of travellers and age of the travellers remains the same, changing your travel dates will be free of charge if it’s made before your policy effective date.
I have to extend my trip by 3 days. Am I allowed to extend my single trip insurance policy that was already purchased and issued?
Yes, you can extend your trip via AIG’s self-help online portal. However, please note that you may be required to pay additional premium.
Am I allowed to make changes to my travel destination for my single trip insurance policy online?
Unfortunately, you will not be able to change your travel destination online. Please contact our Customer Service Centre at +65 6419 3000 if you need to change your travel destination for your single trip policy.
Annual Policies
Am I allowed to make changes to my annual policy?
You may upgrade the Region of travel under your annual policy via AIG’s self-help online portal. Please note that you may be required to pay additional premium. However, for any other changes or enquiries, please contact our Customer Service Centre at +65 6419 3000.
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