PGI Travel Insurance — Questions and Answers
Question 1: What are the key benefits of travel insurance for Singapore travellers?
- Only flight delay compensation
- Medical expenses overseas, trip cancellation/curtailment, baggage loss/delay, personal accident, personal liability, and travel delay compensation (Correct answer)
- Only baggage loss coverage
- Only terrorism coverage
Correct answer: Medical expenses overseas, trip cancellation/curtailment, baggage loss/delay, personal accident, personal liability, and travel delay compensation
Comprehensive travel insurance covers multiple risks: overseas medical expenses (often the most valuable benefit), trip cancellation, lost luggage, travel delays, personal accident, and liability.
Question 2: Why is overseas medical coverage particularly important for Singapore travellers?
- Medical care is free everywhere
- Healthcare costs in many countries (especially the US, Europe, Japan) can be extremely high, and MediShield Life does not cover overseas medical expenses (Correct answer)
- Singapore insurance covers overseas treatment
- Hospitals do not charge foreigners
Correct answer: Healthcare costs in many countries (especially the US, Europe, Japan) can be extremely high, and MediShield Life does not cover overseas medical expenses
MediShield Life does not cover overseas medical expenses. A hospital stay in the US can cost tens of thousands of dollars. Travel insurance provides essential coverage for these potentially devastating costs.
Question 3: What is 'trip cancellation' coverage in Singapore travel insurance?
- Coverage for cancelled flights only
- Reimbursement of pre-paid, non-refundable travel costs if you must cancel your trip for covered reasons such as illness, injury, or death of a family member (Correct answer)
- Coverage for airline bankruptcy only
- Only hotel cancellation fees
Correct answer: Reimbursement of pre-paid, non-refundable travel costs if you must cancel your trip for covered reasons such as illness, injury, or death of a family member
Trip cancellation reimburses non-refundable travel costs (flights, hotels, tours) when you must cancel for covered reasons. Common covered reasons include illness, injury, death of a travel companion, and jury duty.
Question 4: What does 'baggage delay' coverage provide in Singapore travel insurance?
- Replacement of lost baggage contents
- Reimbursement for essential purchases (toiletries, clothing) if your checked baggage is delayed beyond a specified period, typically 6-12 hours (Correct answer)
- Full value of delayed luggage
- Only compensation for damaged bags
Correct answer: Reimbursement for essential purchases (toiletries, clothing) if your checked baggage is delayed beyond a specified period, typically 6-12 hours
If your checked luggage is delayed beyond the trigger period (usually 6-12 hours), baggage delay coverage reimburses essential purchases like clothing and toiletries up to the policy limit.
Question 5: What is the difference between single-trip and annual multi-trip travel insurance in Singapore?
- They are the same product
- Single-trip covers one specific journey; annual multi-trip covers multiple trips within a year, usually with a per-trip duration limit (Correct answer)
- Annual plans are always cheaper per trip
- Single-trip plans provide better coverage
Correct answer: Single-trip covers one specific journey; annual multi-trip covers multiple trips within a year, usually with a per-trip duration limit
Single-trip insurance covers one specific journey. Annual multi-trip plans cover unlimited trips within a year but typically limit each trip duration (e.g., 30, 60, or 90 days per trip). Frequent travellers benefit from annual plans.
Question 6: What pre-existing condition rules apply to Singapore travel insurance?
- All pre-existing conditions are covered
- Most travel insurance policies exclude pre-existing medical conditions unless declared and specifically covered, often for an additional premium (Correct answer)
- Pre-existing conditions are never covered
- Only heart conditions are excluded
Correct answer: Most travel insurance policies exclude pre-existing medical conditions unless declared and specifically covered, often for an additional premium
Standard travel insurance typically excludes claims related to pre-existing medical conditions. Some insurers offer coverage for declared conditions at an additional premium after underwriting assessment.
PGI Travel Insurance
What are the key benefits of travel insurance for Singapore travellers?