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Travel Insurance
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What is Travel Insurance?

Travel insurance is your peace of mind that if something was to go wrong on your trip or even beforehand so you wouldn’t be left out-of-pocket.

“I travel all the time, what could go wrong?” you might ask. In fact, actually quite a bit! Your airline could lose your luggage, or your flight could get delayed leaving you stranded in a strange country. Your passport could be stolen or you could lose your laptop. You might get bitten by a spider on a gorgeous, remote island restaurant and have to be flown to the closest hospital that is about 100km away! These are all worst case scenarios, but with travel insurance you don’t have to worry. Isn’t it a good idea to plan for the worst and hope for the best?

Should I get travel insurance?

Mother Bear always said to me, if you can’t afford traveller’s insurance, you can’t afford to travel. For just a fraction of the cost of your trip, you can give yourself some peace of mind and pocket. Be it if you’re only going away for a few days, or just crossing the border to Malaysia, you don’t want to be caught bare if you get seriously sick or injured on your trip. With just a few simple clicks you can relax, knowing that you’re covered. Check out the travel insurance companies you can compare on GoBear.

What should I consider when choosing my travel insurance?

For specific advice, always check with a broker or one of many travel insurance companies. Additionally in general, you should think about:

- Do you mainly travel by yourself or with family? How often do you travel? Do you need single trip travel insurance or should you be covered for the whole year?

- Which country are you travelling to? Do they have good hospitals and medical facilities? Will you be travelling to more remote areas where there could be nasty bugs like malaria or natural disasters like earthquakes? Do you need worldwide travel insurance?

- Are you travelling for pleasure or business? Or do you need student travel insurance? These will make a difference to your premium.

- What sort of stuff will you be doing? Wild stuff like bungee jumping or scuba diving? Or are you more a “lay on the beach and read a book” type of traveller?

- What is your budget for the trip?

- What do you wish to be covered for? Do you only need to be covered in case you have an accident or you get sick? Will you also require flight insurance that covers you if your trip is delayed or cancelled. Do you wish to be covered if your bags or travel documents get lost? Depending on which of these matter to you, that will help you decide which plan is right for you.

What are the different types of travel insurance?

The most common types of travel insurance are:

- Single trip travel insurance:
A short-term plan that covers a specific trip usually commencing from, and returning to, Singapore.

- Annual cover travel insurance:
This plan covers you or whomever you have insured on the plan for a year. It covers trips starting and ending in Singapore.

- Individual plan:
It covers just you or just one other person. This applies if you are buying the plan for someone else!

- Family plan:
Travel is more fun with family! This plan covers you, your husband or wife, and your kids. Some providers limit the amount of family members who can be on this plan.

Decoding the travel insurance lingo

The most common types of travel insurance are:

- Premium:
This is the amount you pay your insurance company for your plan. How much this is will depend on what type of plan you choose, and what extra benefits you choose! For example, you might want to get travel insurance for your expensive camera or golf clubs that you take with you on holiday.

- Excess or deductible:
This is the amount you pay before the travel insurance companies will pay for your claims. For example, if your excess is $500, you will pay the first $500 towards your travel insurance claim. If you claim more than $500, then the provider will pay the rest.

- Emergency medical evacuation and repatriation:
The adventurous traveller loves to go to remote places, but often these places don’t have the same level of medical care that we’re used to in Singapore. The emergency evacuation benefit on your traveller’s insurance will pay for you to get to the nearest medical facility where you can get the treatment you need to get better. On top of that the repatriation benefit will pay for you to get home for treatment if need be.

There are heaps of travel insurance policies. Too many to count, and each catering for a specific person or situation. Fill out your details on the form above to compare travel insurance on GoBear to find the best plan for you. Check out more info here.



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  • 1.Why do I need to buy travel insurance?
    A travel insurance may cover the high costs that can be incurred from any unforeseen circumstances such as luggage loss, cancellation of your trip, serious illness, accidents, etc. It provides you with peace of mind and pocket.
  • 2.What are the different types or categories of travel insurance?
    The most commonly used categories are:

    1. Single trip - A short term policy that covers a specific trip, usually always commencing from and returning to Singapore.
    2. Individual Plan - It covers the policy holder or an individual person.
    3. Annual Cover - A policy issued for a 1 year period covering trips commencing from and returning to Singapore. This insurance will cover the insured person only.
    4. Family Plan - A policy insurance covering the policyholder and his immediate family i.e. his legitimate children and his legal spouse. Some insurers put a cap on the number of insured persons under this plan.
  • 3. What do I have to take into consideration before choosing a specific travel insurance plan?
    For specific advise you should always liaise with an insurance company or broker (which we are not) but in general it's recommendable to check certain needs and expectations you have before taking a decision such as:

    1. Do you travel alone or with your family? How frequently do you travel?
    2. Which country are you travelling to? Do they have access to good hospitals, medical facilities? Will you be travelling to more remote areas where there could be malaria, natural disasters, etc.?
    3. Are you travelling for pleasure or business?
    4. What sort of activities will you be undertaking? Skiing? Diving? Adventure?
    5. What is your budget?
    6. What are your expectations? Do you only require personal accident and medical expenses benefits, or do you also need coverage for repatriation, delayed departure, trip cancellation, loss of baggage or travel documents, etc.

If you find these answers helpful? Check out our FAQs for other products to learn more.