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 easy to understand plans.
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 39 travel situations we cover (click to expand)

  PERSONAL ACCIDENT PROTECTION Premier Classic
1 Accidental Death & Permanent Disablement    
  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
2 Double Indemnity for travelling in a Public Transportation    
  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
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
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
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 25,000 15,000
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 Mondial
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
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
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
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
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
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
23 Loss of Personal Money    
  Covers loss of money due to robbery, burglary or theft 750 300
24 Travel Delay    
  Pays S$100 for each full 6 hours of delay 1,000 1,000
25 Baggage Delay    
  Pays S$200 for each full 6 hours of delay 1,000 1,000
26 Emergency Purchases    
  Pays for emergency purchase of essential personal items if your baggage is stolen or permanently lost 250 150
27 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
28 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
29 Flight Diversion    
  Pays S$100 for each full 6 hours of delay 1,000 1,000
30 Travel Interruption    
  Reimburses the unused portion of the Trip if You are hospitalized overseas for more than 5 consecutive days 7,000 3,000
31 Personal Liability    
  Covers You against legal liability to third party 1,000,000 500,000
32 Aircraft Hijacking    
  Pays S$500 (Premier) or S$300 (Classic) for each full 6 hours 7,500 5,000
33 Kidnap and Hostage    
  Pays S$200 (Premier) or S$100 (Classic) for each full 24 hours 7,500 5,000
  Bonus Cover Premier Classic
34 Golf Equipment    
  Covers loss or damage to Golf Equipment 1,000 5,00
35 Rental Vehicle Excess    
  Reimburses You for any excess or deductible payable by You due to Accidental loss or damage to Your rental vehicle 1,000 500
36 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
37 Quarantine Following Infectious Diseases    
  Pays $50 for each full 24 hours of quarantine 750 350
38 Full Terrorism Cover (including use of Nuclear, Chemical and Biological weapon) aggregate limit for Sections 1, 3, to 37 and 39.    
  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
39 Loss of Credit Card    
  Pays for fraudulent usage on Your credit card 200 200

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 any number of 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 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 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)
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 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 insurance plan. The information shown here is for reference only.