TG Products - Do you have questions?

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip.

Please refer to the terms and conditions in the policy wording for full details.

If no medical treatment has been received overseas, the time limit for seeking medical treatment is up to a maximum of 30 consecutive days from your arrival in Singapore, provided you first seek medical treatment within 48 hours of arrival in Singapore. There will be a cap for each medical treatment visit up to the sum insured limit of your plan.

Please refer to the terms and conditions in the policy wording for full details.

You have up to maximum of 30 consecutive days from your arrival in Singapore to seek follow-up treatment.

Please refer to the terms and conditions in the policy wording for full details.

There are no exclusions for general business trips for Travel Guard.

Please refer to the terms and conditions in the policy wording for full details.

We cover repatriation of mortal remains due to pre-existing medical conditions. However, other benefits will not apply to any claim relating to pre-existing medical conditions.

Travel Guard Direct does not cover any loss, injury, damage or legal liability arising from travel in, to or through Cuba, Iran, Syria, North Korea, the Crimea, Donetsk People’s Republic (DNR) and Luhansk People’s Republic (LNR) Regions of Ukraine.

Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America will not be covered as well.

A Pre-existing medical condition is defined as:

i) Any illness, disease, or other conditions, including symptoms, suffered by you, your travel companion or your relative, which in the one-year period before the policy issue date.

(a) First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
(b) Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
(c) Was treated by a medical practitioner or treatment had been recommended by a medical practitioner.

ii) Any congenital, hereditary, chronic or ongoing condition of yours, your travel companion or your relative which you or they are aware of, or could reasonably be expected to be aware of, before the policy issue date.

There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:

(a) Trekking route must be available to general public without restriction;
(b) The trekking activity must be organised by a recognised commercial local tour / activity
      provider; and
(c) The entire trekking activity must be under the guidance, supervision of qualified guides and/or
      instructors and you must follow safety procedures and instruction of the guide and/or
      instructor at all times.

Please refer to the terms and conditions in the policy wording for full details.

We will automatically extend the period of insurance for up to 30 days from the policy expiry date without payment of any additional premium if, due to unexpected circumstances beyond your control, for example, due to injury or sickness or unavoidable delays affecting your return common carrier, you cannot complete your trip within the period of insurance stated in your Policy Schedule. This also applies to one person travelling with you who is authorised by us in writing to stay with you if the extension is due to medical reasons.

Please contact our 24-hour emergency assistance hotline at +65 6733 2552.

Per-Trip policy: There will be no refund of premium once the policy is issued.  

Annual Multi-Trip policy: If the policy is cancelled in the first nine months from the policy issue date, a short rate will apply except if there has been a claim against the policy. A short rate is an insurance premium which we charge if your coverage is less than one year. It is not pro-rated. There will be no refund if you cancel the policy more than nine months from the policy effective date.

You may extend your policy provided you have not claimed against or are aware of any known losses or circumstances that might give rise to a loss under the policy. You must apply for the extension prior to the expiry date of your original policy, and the total period of coverage must not exceed 182 days.

You can apply for an extension of your original policy via our online form and completing the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy. Approval for your application for extended cover is subject to our review. Additional terms and conditions may apply and we reserve the right to decline any extension application.

You can apply for an extension for this trip by submitting a request via our contact us form. However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.

Claims may be submitted online here.