Do you know…?

Chartis Travel Insurance’s Trip Cancellation benefit starts 60 days prior to departure date? For the same premium you pay, activate your travel insurance as soon as your book your trip!

More Travel Guard’s New and Enhanced Benefits, Click HERE.

More often than not, most people do NOT read the travel insurance policy terms before buying one.

Many are not aware but it is a common practice for most insurers to EXCLUDE “hazardous activities/sports”such as any underwater activities involving the use of underwater breathing apparatus, horse riding, ice or winter sports, ATV (All-Terrain Vehicle) and many others in their travel insurance in Singapore.

Would you be surprised to know your travel insurance policy may not cover you for winter sports due to policy terms like “unless you carry out the activities under the supervision of a licensed guide or instructor“?

Travel is an exciting adventure but also poses many unpredictable situations.

• Do not start by picking the one with the lowest price when you buy travel insurance online, check out the limitations and exclusions (if the list is too restrictive, maybe you should consider another policy). And don’t necessarily select the one with the highest premium thinking that the higher the price the better the product.

• If you are going on a mountain climbing or diving holiday, make sure the holiday insurance cover includes high risk activities. This may cost slightly more, but you can really end up stranded overseas when you buy the wrong policy.

• Whether you are comparing NTUC travel insurance, Chartis Travel Guard, Liberty TourCare Plus or other travel insurance plans in Singapore, make sure you are comparing plans with the same limits, benefits and conditions beside the premiums.

Here are some examples of exclusion of “hazardous activities/sports”.

NTUC Income Travel Insurance says it will EXCLUDE
“engaging in any hazardous activities/sports including but not limited to caving, potholing, rock climbing (except on man-made walls) or mountaineering necessitating the use of ropes, any underwater activities involving the use of underwater breathing apparatus, skydiving, cliff diving, bungee jumping, BASE (Building, Antenna, Span, Earth) jumping, para gliding, hang gliding, parachuting, white water rafting, dragon boating, hunting, horse riding, polo, show jumping, mountain biking unless otherwise agreed in writing by us, but not including the following activities carried out for leisure under the supervision of a licensed guide or instructor: hot air balloon ride whilst airborne, ice or winter sports, hiking or trekking; usage (including pillion riding) of any motorcycle, moped or mechanically assisted pedal cycles, ATV (All-Terrain Vehicle) unless agreed by us in writing;”
Click HERE for  NTUC Income Travel Insurance policy terms and conditions

In Chartis Travel Guard, it says EXCLUDE
“Riding or driving in any kind of race, participating in any professional sports or in any sport in which You would or could earn or receive remuneration, donation, sponsorship, award or certificate of any kind and travelling as an operator or crew member in, or carrying out any testing or repairs on, a private aircraft or a Common Air Carrier;”
Click HERE for Chartis Travel Insurance policy terms and conditions

For RSA Travel Insurance, the wordings EXCLUDE
“the following sports and activities are considered Extreme Sports and are excluded: Flying other than as a fare-paying passenger in a regular scheduled airline or licensed chartered aircraft, bungee jumping, parachuting, ski diving, scuba diving, rock/mountain climbing, abseiling, hang gliding, caving, racing other than on foot, winter sports, other than curling or skating and any other similar activities, or sports.”
Click HERE for RSA Travel Insurance policy terms and conditions

In Liberty TourCare Plus, it says EXCLUDE
“participation in any professional sports, deep sea diving, utilizing hard helmet with air hose attachments, hunting, potholing, parachuting, sky diving, competitive snow or ice sports, caving or hang gliding; or (t) bungee jumping, ballooning, mountaineering and rock climbing necessitating the use of guides or ropes when undertaken not on a leisure basis;”
Click HERE for Liberty TourCare Plus policy terms and conditions

If you are planning for a farm stay holiday to Australia, it is not uncommon that it could lead to a horse riding experience; or your vacation to Gold Coast may include a snorkeling trip. What if you were told that the travel insurance policy you have purchased does not cover horse riding or snorkeling should injury happen and a claim arise?

It is therefore important to read and understand what your travel insurance plan has to offer. Click HERE for Travel Guard’s ENHANCED Benefits!

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Disclaimer:
The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the relevant products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement. Information last updated on 3 Sep 2010.