Frequently asked questions
Who it is for
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.
Annual Multi-Trip Plan
If you travel frequently, consider purchasing an Annual Multi-Trip Plan for greater value and convenience.
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.
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.
Maximum period of coverage
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:
Please refer to the
policy wording for the full terms, conditions and exclusions.
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.