By purchasing a travel insurance, you will be protecting yourself against the risk of unforeseeable events such as stolen luggage, cancellation cover (should you not be able to travel due to unexpected medical reasons) and most importantly, medical fees abroad.
What are some of the basic coverage for Travel Insurance?
The most common ones are medical expenses (both overseas and in Singapore post trip) , accidental death and permanent total disability, trip cancellation and delay.
What other clauses should I look out for?
The activities that you will be taking part overseas will help you in choosing the right policy to buy. For example, if your trip includes sky diving or river-rafting, do look out for the "Sports / Adventure Activity Cover" as not all policies cover such activities. Another common clause that many often overlook is the "Rental Vehicle Excess" which protects you against any excess charges you may incur in the event your hire car is damaged or stolen.
*Disclaimer: PolicyPal does not, at any time, underwrite, originate, or issue insurance policies and/or insurance contracts. The underwriting, origination, and issuance of the insurance policies and/or insurance contracts are the sole provision and responsibility of the respective insurance company that a User may contract with through the PolicyPal app. Thus, any policies, liabilities, coverage, or responsibilities relating to an insurance policy purchased through PolicyPal (directly or indirectly) remain the sole province of the insurance company that provided that policy/contract. Furthermore, any claims or disputes in relation to policy/contract claims should be addressed to the underwriting, originating, or issuing insurance company as specified in that policy/contract. PolicyPal is unable to mediate, assist, convey, or dispute any claims or other issues related to the liability, coverage, or scope of any insurance product.
Please also note that PolicyPal will not be liable for any mistake, error, or omission that may occur during the electronic processing of the policies/contracts on the platform. PolicyPal will use its best efforts to ensure that any mistake, error, or omission is corrected when discovered. Users should inform PolicyPal in the event of their discovery of any mistake, error, omission, and/or update in the policies/contracts or their user details.