What is Travel Insurance? (TM Xplora)

This is our commitment to let you travel the world, and be protected from major emergencies, as well as offering assurance against common travel inconveniences.

As the region's travel and tourism industry booms, it's important that you are not caught off guard by accidents and mishaps, which could derail all your planning efforts.

We have two types of travel insurance plans, catering to different needs.
Premier: Offers an unparalled level of protection for total peace of mind.
Classic: Caters to the traveller who would rather dedicate more of his funds on his experiences

Key coverages

  • Accidental death & disablement
  • Medical Coverage
  • Trip cancellations
  • Delays

Full list of 45 travel situations we cover (click to expand)

 

PERSONAL ACCIDENT PROTECTION

Premier

Classic

1

Accidental Death & Permanent Disablement

   
 

Cover for Insured Person (below 70 years)

300,000

200,000

 

Cover for Insured Person (70 – 79 years old)

175,000

75,000

 

Cover for each Child included in Family Plan

75,000

50,000

2

Double Indemnity for travelling in a Public Transportation

   
 

Cover for Insured Person (below 70 years)

600,000

400,000

 

Cover for Insured Person (70 – 79 years old)

350,000

150,000

 

Cover for each Child included in Family Plan

150,000

100,000

3

Child Education Grant

   
 

Lump sum payable for Your dependant Child/Children as a result of Your Accidental death

7,000

3,000

 

MEDICAL COVERAGE

Premier

Classic

4

Medical Expenses incurred Overseas

   
 

Cover for Insured Person (below 70 years)

500,000

300,000

 

Cover for Insured Person (70 – 79 years old)

350,000

150,000

 

Cover for each Child included in Family Plan

150,000

100,000

 

Aggregate Limit Per Family

1,000,000

500,000

5

Medical Expenses incurred in Singapore

   
 

Cover for Insured Person (below 70 years)

25,000

15,000

 

Cover for Insured Person (70 – 79 years old)

17,500

7,500

 

Cover for each Child included in Family Plan

7,500

5,000

 

Aggregate Limit Per Family

50,000

30,000

6

Medical Expenses - Pregnancy Related Expenses

   
 

Reimburses medical expenses incurred overseas due to pregnancy-related sickness after the first trimester of pregnancy.

5,000

3,000

7

Treatment by Chinese Physician / Chiropractor

   
 

Covers Chinese Physician treatment overseas and/or in Singapore

500

500

8

Overseas Hospital Confinement Allowance

   
 

Pays S$200 for every complete day You are hospitalized overseas

25,000

15,000

9

Hospital Visit

   
 

Pays for one Relative or friend to visit You if You are hospitalized overseas for more than 5 consecutive days

7,000

3,000

10

Compassionate Visit

   
 

Pays for one Relative or friend to assist in the final arrangement in the event of Your death whilst overseas

7,000

3,000

11

Child Care

   
 

Pays for one Relative or friend to accompany Your Children covered under the Family Plan back to Singapore following Your hospitalization whilst overseas

25,000

15,000

12

Emergency Medical Assistance & Evacuation

   
 

Cover for Insured Person (below 70 years)

1,000,000

500,000

 

Cover for Insured Person (70 – 79 years old)

500,000

250,000

 

Cover for each Child included in Family Plan

500,000

250,000

13

Repatriation Expenses

   
 

Pays for transporting the mortal remains back to Singapore or Your Country of Origin

30,000

20,000

14

Special Grant

   
 

Lump sum payable as a result of Your death due to an Injury or Sickness whilst overseas

2,500

1,500

15

Emergency Telephone Charges

   
 

Reimburses You for telephone charges incurred in contacting Allianz Global Assistance for 24 hours medical assistance

250

150

 

Travel Inconvenience

Premier

Classic

16

Trip Cancellation

   
 

Reimburses You for unredeemable travel & accommodation expenses paid in
advance and occurring within 60 days before the Trip commences

10,000

5,000

 

Aggregate Limit Per Family

20,000

10,000

17

Trip Postponement

   
 

Reimburses You for unredeemable travel & accommodation expenses paid in advance and occurring within 60 days before the Trip commences

10,000

5,000

 

Aggregate Limit Per Family

20,000

10,000

18

Trip Cancellation due to Insolvency of Travel Agency

   
 

Reimburses You for travel deposits paid in advance in the event of Insolvency of travel agency

15,000

7,500

 

Aggregate Limit Per Family

30,000

15,000

19

Trip Curtailment

   
 

Reimburses You for additional travel & accommodation expenses incurred or forfeited, if it is necessary for You to curtail the Trip

15,000

7,500

 

Aggregate Limit Per Family

30,000

15,000

20

 Disruption/Withdrawal of Hotel Services

   
 

Pays $100 for each full 24 hours in the event of disruption or withdrawal of services at a hotel overseas as a result of strike or riot

200

200

21

Personal Baggage and Effects

   
 

Covers loss or damage to Your Personal Baggage and Effects

7,500

5,000

 

Aggregate Limit Per Family

15,000

10,000

22

Travel Documents

   
 

Pays for the cost of replacing Your travel documents including the additional travel and hotel accommodation expenses incurred

5,000

3,000

 

Aggregate Limit Per Family

8,000

5,000

23

Loss of Personal Money

   
 

Covers loss of money due to robbery, burglary or theft

750

300

 

Aggregate Limit Per Family

1,500

600

24

Travel Delay

   
 

Pays S$100 for each full 6 hours of delay overseas & in Singapore

1,200

1,200

 

Aggregate Limit Per Family

2,000

2,000

25

Alternative Travel Arrangement

 

 

 

Reimburse You for expenses incurred for rebooking of alternative mode of transport or travel routing

1,000

1,000

 

Aggregate Limit Per Family

2,000

2,000

26

Replacement of Traveller Benefit

 

 

 

Reimburse You for expenses incurred to make a one-time change of traveller

300

150

 

Aggregate Limit Per Family

600

300

27

Baggage Delay

   
 

Pays S$200 for each full 6 hours of delay overseas & in Singapore

1,200

1,200

 

Aggregate Limit Per Family

2,400

2,400

28

Emergency Purchases

   
 

Pays for emergency purchase of essential personal items if your baggage is stolen or permanently lost

250

150

29

Overbooked Flight/Voyage/Train

   
 

Reimburses You for expenses incurred for additional accommodation, meals and refreshments due to overbooked flight, voyage or train for at least 6 consecutive hours

150

150

30

Missed Flight Connection

   
 

Reimburses You for expenses incurred for additional accommodation, meals and refreshments due to missed connecting flight for at least 6 consecutive hours

200

200

31

Flight Diversion

   
 

Pays S$100 for each full 6 hours of delay

1,000

1,000

 

Aggregate Limit Per Family

2,000

2,000

32

Travel Interruption

   
 

Reimburses the unused portion of the Trip if You are hospitalized overseas for more than 5 consecutive days

7,000

3,000

33

Personal Liability

   
 

Covers You against legal liability to third party

1,000,000

500,000

34

Aircraft Hijacking

   
 

Pays S$500 (Premier) or S$300 (Classic) for each full 6 hours

7,500

5,000

 

Aggregate Limit Per Family

15,000

10,000

35

Kidnap and Hostage

   
 

Pays S$200 (Premier) or S$100 (Classic) for each full 24 hours

7,500

5,000

 

Aggregate Limit Per Family

15,000

10,000

 

Miscellaneous Cover

Premier

Classic

36

Golfer’s Benefits

   
 

(i)   Loss or damage to Golf Equipment

1,000

500

 

(ii)  Hole in One Celebration Expenses

300

100

 

(iii)  Unused Green Fees (in event of sickness or injuries)

100

50

37

Loss of Use of Entertainment Ticket or Frequent Flyer Points

 

 

 

Reimburse You for the non-refundable portion of Your

Entertainment Ticket or non-refundable Frequent Flyer Points

300

100

38

Rental Vehicle Excess & Return

   
 

Reimburses You for any excess or deductible payable by You due to Accidental loss or damage to Your rental vehicle

1,500

700

39

Rental Vehicle Return

 

 

 

Reimburse You for the cost of returning Your rental vehicle to nearest depot in the event of Your hospital confinement

200

200

40

Home Care

   
 

Covers loss or damage to Your household contents due to fire to Your residence which was left vacant during Your Trip

5,000

2,500

41

Pet Dog &/or Pet Cat Care Benefit

 

 

 

Reimburses You for the cost incurred in extending pet boarding service.

Pays $50 (Premier) or $30 (Classic) per day

500

300

42

Quarantine Following Infectious Diseases

   
 

Pays $50 for each full 24 hours of quarantine

750

350

43

Full Terrorism Cover (including use of Nuclear, Chemical and Biological weapon) aggregate limit for Sections 1, 3 to 42, 44 and 45.

   
 

Cover for Insured Person (below 70 years)

250,000

150,000

 

Cover for Insured Person (70 – 79 years old)

175,000

75,000

 

Cover for each Child included in Family Plan

75,000

50,000

 

Group Policy – Maximum Limit per Policy

1,000,000

500,000

44

Loss of Credit Card

   
 

Pays for fraudulent usage on Your credit card

300

200

45

Adventure Sports & Activities

Covered

 

Bonus Coverages

  • Golf Equipment
  • Waiver of rental Vehicle Excess
  • Home Care
  • Quarantine Benefit
  • Terrorism Cover
  • Credit Card Fraud

Key Terms

Insured: Adult who is a person between 18 to 79 years of age next birthday.

"Single Trip" Family: 1 or 2 adults travelling with at least one children. The 2 adults may not be related but each child must be related to either of the insured adults. The family must travel and return together.

"Annual Trip" Family: Covers Insured's legal spouse and their legal children 

“Group”: Covers the insured person and their travelling companion(s) whose names must be declared and age must be between 21 and 70 years (inclusive).

How much is my travel insurance premium?

Your premium will vary, depending on your:

  • Destination
  • Choice of cover: Premier or Classic
  • Scope of cover: An individual or family policy
  • Period of cover

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These are excluded from our travel insurance cover

  • Professional or hazardous sports activities
  • Involvement in naval, military or air force service or operations or hazardous occupations
  • Employed as a manual worker or mining, aerial photography or handling explosives
  • Mental or nervous disorders, venereal or other sexually transmitted diseases
  • Pregnancy or childbirth related injuries
  • Illness, health complications, and pre-existing conditions
  • Confiscation, detention, destruction of belongings by customs or other lawful authorities
  • Suicide, attempted suicide or intentional self-injury
  • Exposure to nuclear or radioactive material
  • Illegal or unlawful acts of the insured person(s)
  • At the time of effecting this insurance, the insured person must be medically fit to travel and not be aware of any circumstances which could lead to cancellation or disruption of the trip, otherwise no claim is payable under this insurance.
Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this travel insurance plan. The information shown here is for reference only.

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