{"id":45816,"date":"2022-12-27T16:50:52","date_gmt":"2022-12-27T08:50:52","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=45816"},"modified":"2026-02-12T17:52:30","modified_gmt":"2026-02-12T09:52:30","slug":"a-guide-to-travel-insurance","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/a-guide-to-travel-insurance\/","title":{"rendered":"A Guide To Travel Insurance: Is Covid’19 Coverage Still Essential?"},"content":{"rendered":"\n

What does travel insurance cover? How does it work? Do you still need Covid-19 coverage? Here’s an all-rounder’s guide to travel insurance and everything you need to know! <\/strong><\/h2>\n\n\n\n
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It’s the holiday season! We’re sure most of us are planning to travel overseas for a quick relaxing break with many countries lifting their COVID-19 entry restrictions (especially hot destinations like Korea, Japan, and Taiwan). Travellers can\u2019t wait to book their next flight out and celebrate the holidays with a bang. However, the concerning issue of new COVID-19 variants popping up across the globe has always been at the back of our minds and we’re sure most of us have asked ourselves this question \u2014 do I still need COVID-19 coverage?<\/p>\n\n\n\n

Spoiler alert: The answer is yes, definitely. While we might all think of ourselves as \u2018immune\u2019 or \u2018invincible\u2019 to the virus after catching it once (or a few times), the reality is that there’s always the possibility of us catching it again overseas. And with insurance, it’ll definitely soften the monetary and<\/em> emotional sting of interrupted travel plans. So if you\u2019re thinking of resuming your globetrotting dreams worry-free, check out this list of things to note when picking the right travel insurance plan!<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong>
\u2013 YouTrip\u2019s Hong Kong Food Guide 2023<\/a>
\u2013 Top Places To Celebrate Christmas In Singapore 2022<\/a>
\u2013 An Intro To Balinese Cuisine 2023<\/a>`<\/p>\n\n\n\n

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How Does Travel Insurance Work? <\/strong><\/h2>\n\n\n\n
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Simply put, travel insurance provides travellers with peace of mind and financial protection against the risks of travel. This includes anything that might incur financial losses, such as flight cancellation, delays, and baggage loss. <\/p>\n\n\n\n

While most people would purchase travel insurance for big-ticket trips just to be safe, it’s still advisable to purchase some coverage for trips closer to home as well. The common misconception is that travel insurance is costly. When in reality, there are many affordable plans that offer many different forms of coverage. When it comes to insurance, you get what you give.<\/p>\n\n\n\n

A Guide To Travel Insurance: Is Covid’19 Still Essential? \u2014 Check out our guide to Freedom Camping In New Zealand here<\/a><\/strong><\/em><\/p>\n\n\n\n

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What Does Travel Insurance Cover Exactly?<\/strong><\/h2>\n\n\n\n
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The coverage can vary depending on the plan you purchase. But typical travel insurance policies provide coverage for three areas: Financial protection, Protection for your well-being, and Personal belongings.<\/p>\n\n\n\n

Here are some benefits to look for when looking for a suitable policy:<\/p>\n\n\n\n

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Benefits<\/strong> <\/td>How It Benefits You<\/strong><\/td><\/tr>
1. Baggage Delay & Loss<\/strong> <\/td>\u2705 Depending on the policy, you can actually receive insurance to reimburse the cost of your essentials<\/strong>, such as clothes, toiletries and even chargers if your bag is delayed or lost.

\u2705 For delayed baggage, it must be delayed over a number of hours to receive coverage \u2014 with the typical range being anywhere from 6 to 24 hours<\/strong>.

\u2705 As for baggage loss coverage, insurance reimburses the cost of your suitcase and belongings<\/strong>, even if it was stolen or damaged during a covered trip.
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2. Trip Cancellation<\/strong><\/td>Sometimes, unforeseen circumstances occur and you might have to cancel your trip. However, you can receive insurance to reimburse you for prepaid non-refundable costs<\/strong> due to reasons like:

\u2705 Natural disasters
\u2705 Sickness
\u2705 Death of a family member
\u2705 Jury duty
\u2705 Stolen passport or visa
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3. COVID-19 Coverage<\/strong><\/td>\u2705 With the pandemic still raging on globally, you can receive insurance for costs incurred<\/strong> if you have to cancel, postpone, or shorten your trip due to the virus.

\u2705 There’s also insurance for medical expenses and emergency medical evacuation if you ever have to be sent back home due to COVID-19.
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A Guide To Travel Insurance: Is Covid’19 Still Essential?<\/em> \u2014 Check out our guide on How To Get Ready For Your Japan Trip here<\/a><\/strong> <\/em><\/p>\n\n\n\n

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What Should I Look Out For When It Comes To COVID-19 Coverage?<\/strong><\/h2>\n\n\n\n
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Depending on who you may be travelling with and what your travel company provides, you might want to consider if you prefer to get COVID-19 coverage as an add-on benefit to an existing plan or as part of a new insurance plan.<\/p>\n\n\n\n

While most travellers always opt for the cheapest option, be sure to look out for the limit of COVID-19 coverage in the policy to see if it’s sufficient to cover the cancellation cost of air tickets, accommodation and itinerary. You always want to ensure that the trip cancellation limit is more than sufficient for all related costs.<\/p>\n\n\n\n

Additionally, your trip destination plays a huge role when it comes to deciding on the best plan. Countries like the United States, Germany, and Switzerland have high medical costs and depending on your condition, a few nights\u2019 stay at a hospital might incur a hefty bill. As such, it’s always important to check if your plan limit covers these costs and if the insurance that you purchase covers the countries that you are flying to.<\/p>\n\n\n\n

Lastly, before you run online to purchase your insurance, consider if you prefer an online insurance plan or having one through an agent. While it might be pretty straightforward to have an online plan, the real pain comes in when you have to file your own claims. In a situation where you will be overloaded with medical and travel costs, filling in administrative file claims might be the last thing on your mind. With insurance that comes with an agent, all of these processes will be much easier and smoother for you as you can contact your agent and have them file your claims for you. <\/p>\n\n\n\n

A Guide To Travel Insurance: Is Covid’19 Still Essential?<\/em> \u2014 Check out YouTrip’s Guide For The Best Things To Do In Hokkaido here<\/a><\/strong> <\/em><\/p>\n\n\n\n

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When Should I Buy My Travel Insurance?<\/strong><\/h2>\n\n\n\n
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Now that you\u2019ve purchased your flight tickets and booked your accommodations, you\u2019re probably wondering when you should purchase your travel insurance. The simple answer is, \u201cas soon as possible\u201d.<\/p>\n\n\n\n

Ideally, you should purchase your coverage no later than 15 days prior to your trip. It’s important to note that while you still can purchase insurance after the 15-day marker (even when you\u2019re on your trip), the coverage will definitely cost more and you might not be eligible for certain benefits. <\/p>\n\n\n\n

For a better gauge of travel costs, it is suggested that travellers wait until they have reserved their seat on the plane before purchasing as more information on your flight will help you to make a more informed decision.<\/p>\n\n\n\n

A Guide To Travel Insurance: Is Covid’19 Still Essential? \u2014 Find out more about Bringing Home Luxury Goods From Your Travels here<\/a><\/strong><\/em> <\/p>\n\n\n\n

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What Are Some Recommendations For Travel Insurance Plans?<\/strong><\/h2>\n\n\n\n
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When it comes to price and coverage, the HLAS COVIDSafe Travel Protect 360 Enhanced Plan is your best bet! With COVID-19 coverage of up to S$200,000 and a quarantine allowance of up to S$1,500, you can enjoy a stress-free vacation anytime anywhere. For the average insured adult (70 years and below), you can expect to receive the following benefits:<\/p>\n\n\n\n

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Benefits<\/strong><\/td>Basic<\/strong><\/td>Enhanced<\/strong><\/td><\/tr>
COVID-19 Coverage<\/td>No<\/td>Yes<\/td><\/tr>
Overseas Medical Coverage<\/td>S$150,000<\/td>S$250,000<\/td><\/tr>
Overseas Medical Expenses due to COVID-19<\/td>–<\/td>S$50,000<\/td><\/tr>
Trip Cancellation<\/td>S$5,000<\/td>S$7,000<\/td><\/tr>
Trip Cancellation due to COVID-19<\/td>–<\/td>S$1,000<\/td><\/tr>
Baggage Loss\/Damage<\/td>S$3,000<\/td>S$5,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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With the HLAS COVIDSafe Travel Protect360 Enhanced Plans, you can receive COVID-19 coverage of up to S$200,000<\/strong> and a quarantine allowance of up to S$1,500 <\/strong>if you are quarantined overseas. The best part is that you can make adjustments to your policies if you are travelling with family, which allows you to be eligible for trip cancellation coverage if your trip is cancelled because of one person in the family. <\/p>\n\n\n\n

Now with YouTrip\u2019s HL Assurance travel insurance promotion<\/a>, you can receive up to 65% off<\/strong> when you purchase the HLAS COVIDSafe Travel Protect360 Enhanced Plans through our app. Simply purchase any of the Enhanced plans to get 40% off and check out with your YouTrip card to get an additional 15% cashback. For customers who have an existing HL Assurance plan in the past but didn\u2019t make any claims, you are entitled to an additional 10% off any of the Enhanced plans.<\/p>\n\n\n\n

A Guide To Travel Insurance: Is Covid’19 Still Essential? \u2014<\/em> Find out more HL Assurance Travel Insurance here<\/a><\/strong><\/em><\/p>\n\n\n\n

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You’re Now Vacation-Ready! <\/strong><\/h2>\n\n\n\n
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It doesn’t hurt to stay prepared when on your travels. Better safe than sorry! So now that you’re a travel insurance expert, you’re ready to jet-set around the world worry-free! As always, don\u2019t forget to use your YouTrip Card to lock in our ever-reliable wholesale exchange rates<\/a>. A little goes a long, long way \u2014 especially if you\u2019re off on that shopping spree or foodie tour!<\/p>\n\n\n\n

As Singapore\u2019s favourite multi-currency wallet, we aim to get those pesky fees out of the way and help you save on your travels. With the best foreign exchange rates, no longer will you have to deal with those long queues at money changers! So if you’re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <YTBLOG5><\/strong> and get FREE S$5<\/strong> in your account! Then, head over to our YouTrip Perks page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. For more great tips and articles like this, join our Telegram<\/a> (@YouTripSG) and subscribe to our free weekly newsletter here<\/a> or down below.  <\/p>\n\n\n\n

And while you’re at it, why not join the conversation with thousands of #YouTroopers in our very own Community Telegram Group @YouTripSquad<\/a>? Get tips and tricks to everything YouTrip including exclusive invites to exciting events and experiences, & be part of the #YouTripSquad! \ud83d\udc9c<\/p>\n\n\n\n

Stay safe and happy travels! <\/p>\n\n\n\n

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Related Articles<\/strong><\/p>\n\n\n\n

<\/a>How To Get Ready For Your Japan Trip<\/strong><\/a>
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<\/strong>Don\u2019t Miss Out Saving With The Best Deals \u2014 YouTrip SaveTrippin\u2019<\/strong><\/a><\/p>\n\n\n\n

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<\/p>\n","protected":false},"excerpt":{"rendered":"

Get covered on your travels! <\/p>\n","protected":false},"author":85,"featured_media":45826,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8119,623,624],"tags":[39576,39129,39346],"class_list":["post-45816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-tips","category-lifestyle","category-travel","tag-covid19-coverage","tag-travel","tag-travel-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/45816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/85"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=45816"}],"version-history":[{"count":0,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/45816\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/45826"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=45816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=45816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=45816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}