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Note: Benefit limits are based on Allianz Trip Protect Platinum Plan. Terms and conditions and exclusions apply.
How Protection Makes a Difference
*Characters are fictitious for illustrative purpose only. Benefit limit is based on Allianz Trip Protect Platinum Plan
Benefit Schedule
| Allianz Trip Protect | Benefit Limit in SGD | ||
|---|---|---|---|
| Coverage | Silver | Gold | Platinum |
| Trip Cancellation You have to cancel your trip before you depart. Travel Agency insolvency sub-limit: | $5,000 $1,000 | $10,000 $1,500 | $15,000 $2,000 |
| Trip Interruption Trip Curtailment: You have to end your trip early and need to recover unused trip costs. | $5,000 | $10,000 | $15,000 |
| Trip Incident includes: Early Return, Trip Continuation, Extended Stay (max $300/day for 5 days) | Not Covered | $10,000 | $15,000 |
| Travel Delay Minimum required delay – 6 hours Per 6-hour limit: | $1,000 $100 | $2,000 $100 | $3,000 $100 |
| Baggage Per item limit: Maximum benefit for all high value items combined: | $3,000 $500 $1,000 | $5,000 $500 $1,000 | $10,000 $500 $1,000 |
| Baggage Delay Minimum required delay – 6 hours Per 6-hour limit: | $1,000 $200 | $1,200 $200 | $1,600 $200 |
Overseas Emergency Medical and Dental You have to pay for emergency medical or dental treatment while on your trip. | |||
| Ages: 0 – 69 years | $200,000 | $750,000 | $1,000,000 |
| Ages: 70 years and above | $50,000 | $75,000 | $100,000 |
| Dental care maximum sublimit: | $500 | $500 | $500 |
| Hospitalisation daily benefit sub-limit (per 24 hours hospital confinement): | $20,000 $200/24 hours | $37,000 $250/24 hours | $60,000 $300/24 hours |
| Continuation medical treatment in Singapore sub-limit (maximum 30 days): | |||
| Ages 0 – 69 years: | $25,000 | $50,000 | $75,000 |
| Ages 70 years and above: | $5,000 | $7,500 | $10,000 |
| Traditional Chinese Medicine sub-limit: | $300 | $500 | $700 |
| Emergency Transportation is needed following a medical emergency while on your trip. | $1,000,000 | $1,000,000 | $1,000,000 |
| Repatriation of remains due to pre-existing medical condition sub-limit: | $150,000 | $150,000 | $150,000 |
| Search & rescue sublimit: | $10,000 | $10,000 | $10,000 |
| Personal Liability You are financially liable for damage you cause to a third party or their property while on your trip. | $500,000 | $1,000,000 | $1,000,000 |
| Travel Accident You suffer a death or disability as a result of a travel accident during your trip. | $100,000 | $200,000 | $300,000 |
| Rental Car Excess You are charged an excess by your rental car company if your rental car is damaged or stolen while on your trip. | Not Covered | $1,000 | $1,500 |
| Identification Document Your passport and / or visa is stolen, lost or damaged while on your trip. | $1,000 | $2,500 | $5,000 |
| Personal Money Your personal money is lost or stolen while on your trip. | $100 | $250 | $500 |
| Sports Coverage (only for Gold and Platinum Plans) | |||
| Missed Activity You miss a prepaid activity during your trip. | Not Covered | $1,500 | $1,500 |
| Sporting Equipment Your sporting equipment is lost, damaged, or stolen while on your trip. | Not Covered | $1,000 | $2,000 |
| Sporting Equipment Rental You need to rent sporting equipment when your personal sporting equipment is lost, damaged, or stolen while on your trip. | Not Covered | $1,000 | $1,000 |
| Cruise Add-On (Optional) | |||
| Missed Port of Call Your cruise line skips or replaces a port of call listed on your original itinerary. Maximum per port: | $700 $100 | $700 $100 | $700 $100 |
| Cabin Confinement You are advised not to leave your cabin while on a cruise ship during your trip. | $70 | $70 | $70 |
| Low or High Water Your river cruise is interrupted by insufficient or excess water levels during your trip. Maximum per occurrence: | $70 $15 | $70 $15 | $70 $15 |
| Missed Shore Excursion(s) You miss shore excursions booked separately from your cruise. | $100 | $100 | $100 |
| Denied Boarding Coverage You are denied boarding your cruise ship during your trip. | $1,000 | $1,000 | $1,000 |
Please refer to the Policy Wordings for full details on the coverage, exclusions and all the other terms and conditions and FAQs for more information
FAQs
You are eligible for this policy if you meet the following criteria:
a) you are ordinarily Singapore resident;
b) you purchase your policy in Singapore before you start your trip;
c) you intend to return to Singapore after your trip;
d) the departure date on your policy reflects the date you are originally scheduled to begin your travel, as shown on your travel itinerary; and
e) you are aged under 80 years at the time of purchasing this policy.
Allianz Trip Protect does not cover for Afghanistan, Bahrain, Cuba, Iran, Iraq, Israel, Jordan, Kuwait, Lebanon, Liberia, North Korea, Oman, Pakistan, Palestinian Territory, Qatar, Saudi Arabia, Sudan, Syria, Russia, Ukraine, United Arab Emirates and Yemen.
Family means one (1) or two (2) adults travelling with at least one accompanied child. The two adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults.
For Single Trip, insured persons must depart from and return to Singapore together at the same time as a family.
For Annual Multi Trip, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. For a dependent child aged 12 years or above travelling without an insured adult, they will be covered under the benefit limit available for an insured.
Please refer to the terms and conditions in the policy wording for full details.
To make a claim, please visit: apac.claims.booking.allianz-assistance.com/login-path.
For customer service and claims enquiries, please call Allianz at +65 6222 1919, Mon-Fri: 09:00 – 17:30 (Singapore Time) or email them at scbhelp@allianz.com.
Please contact Allianz 24-hour emergency assistance hotline at +65 6995 1111.
Allianz Trip Protect cover for adventurous activities, except for those classified as high-risk sports or activities as defined in the policy wordings.
Please refer to the terms and conditions in the policy wording for full details.
The differences between family cover and group cover are:
Family cover
Covers up to 2 adults and 8 dependent children travelling as a family. Under Family Annual Multi Trip policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. For a dependent child aged 12 years or above travelling without an insured adult, they will be covered under the benefit limit available for an insured.
Maximum Benefits stated, including sub-limits, are per insured adult named on the Certificate of Insurance. Dependent children share the benefits within the insured adults’ limits unless expressly stated otherwise.
Group cover
Covers 2 or more individuals (example: friends, students or relatives) travelling on the same journey and on the same plan for single trip only. The policyholder must be at least 18 years or old and travelling together on the same trip. Maximum Benefits stated, including sub-limits are per insured named on the Certificate of Insurance.
Overseas Emergency Medical Care
Allianz will reimburse the reasonable and customary costs for which you are responsible for your emergency medical care, if, during your trip, you require immediate medical attention because you have a sudden, unexpected illness, injury, or medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
Allianz will reimburse you up to the maximum benefit listed for Emergency Medical and Dental Coverage in your Coverage Summary.
If you need to be admitted to a hospital as an inpatient, Allianz may be able to guarantee or advance payments, where accepted, up to the maximum benefit listed for Emergency Medical and Dental Coverage in your Coverage Summary.
Emergency Dental Treatment
Allianz will reimburse the reasonable and customary costs of your emergency dental treatment, if during your trip: 1. you develop a dental infection; or 2. you break a tooth or experience a dental injury; or 3. you lose a filling.
Allianz will reimburse you up to the maximum sub-limit listed for Emergency Dental Treatment listed in the Emergency Medical and Dental Coverage section of your Coverage Summary.
Hospitalisation Daily Benefit (Applicable for Platinum and Gold plans only)
If you are confined to a hospital outside Singapore because of an unexpected illness, injury, or medical condition, Allianz will reimburse you the maximum amount shown in your Coverage Summary for each continuous 24-hour period you are hospitalised, provided your period of confinement exceeds at least 24 hours.
Continuation of medical care in Singapore
Allianz will reimburse you up to the maximum benefit listed in the Coverage Summary for your continuing medical care in Singapore.
The following conditions apply: 1. The illness, injury or medical condition must have occurred during your trip. 2. The costs must be reasonable and customary costs incurred within 30 days of the date you return to Singapore. 3. If you did not have treatment for the illness, injury or medical condition during your trip, you must seek treatment within 72 hours of the date and time you arrived back to Singapore or Allianz will not pay.
Traditional Chinese Medicine
Allianz will reimburse you up to the maximum benefit listed in the Coverage Summary for Traditional Chinese Medicine.
Please refer to the terms and conditions in the policy wording for full details.
Allianz Trip Protect cover repatriation of mortal remains due to pre-existing health conditions. However, other benefits will not apply to any claim relating to pre-existing health conditions.
Yes, provided the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours of the date and time you arrived back to Singapore and incurred within 30 days of the date you return to Singapore.
