AIA Travel Insurance: Is It A Good Deal?


AIA Travel Insurance: Is It A Good Deal?

Overall, AIA's travel insurance plans can be characterized as being solid policies that meet the industry standard in terms of the amount of coverage that each plan includes. However, AIA's plans are also among the most expensive in their class.

Good for

  • Travellers insensitive to price seeking high coverage for each baggage item in case of loss or damage.

Bad for

  • Travellers seeking an affordable plan or great bang for their buck
  • Travellers seeking the best coverage money can buy

Editor's Rating


Overall, AIA's travel insurance plans can be characterized as being solid policies that meet the industry standard in terms of the amount of coverage that each plan includes. However, AIA's plans are also among the most expensive in their class. Because there are stronger, cheaper alternatives on the Singapore market that offer consumers better bang for their buck, AIA travel insurance is difficult to recommend to fiscally-savvy Singaporean consumers.

Summary of AIA Travel Insurance

High per item cover for baggage loss/damageHigh per item cover for trip inconvenience and medical expenses
Average coverage on balance but among the highest prices on the market

Table of Contents

AIA Travel Insurance: What You Need to Know

AIA's three-pronged travel insurance suite, which includes its budget Classic plan, mid-tier Deluxe plan and premium Premier plan, cover the bases with average coverage overall that meets the industry standard. All AIA travel insurance plans feature among the highest per item coverage for baggage loss/damage on the market, with the Premier plan also standing out for its high cover for medical expenses.

A graph comparing cost of travel insurance in Singapore from all major insurers in the country, assuming a single-trip policy for destinations in ASEAN

However, where AIA's travel insurance plans fall short is their pricing. Each of AIA's plans are among the most expensive in their class, along with AIG and Chubb. This means that while the level of coverage provided in the plan may be satisfactory, the value you're getting for your money with an AIA plan leaves something to be desired. There are alternatives on the market that give you much better coverage for less money, such as the generous and comprehensive policies from AXA, Allianz Global Assistance, and Aviva. Shoppers seeking a stronger emphasis on affordability as opposed to maximum coverage might also be interested in the travel insurance plans from Budget Direct, FWD, Etiqa and HL Assurance.

Notable Exclusions

AIA has standard exclusions including extreme sports (potholing, hunting trips, expeditions and ocean yachting), pre-existing medical conditions, travelling against the advise of your doctor, illegal acts and war. The table below summarises some of the common exclusions you should be aware of. However, it is always beneficial to read the full policy document.

Medical ExclusionsTrip Inconvenience Exclusions
Pre-existing conditionsEngaging in sport for compensation
Pregnancy-related eventsItems taken by customs officials
Suicide and mental illnessBaggage sent separately or items left unattended
Cosmetic or elective surgery (unless necessitated by injury)Fragile articles, skis, snowboards,

Sports Coverage

AIA offers basic golf coverage at no extra charge, consisting of golf equipment coverage, unused green fees reimbursement and hole-in-one coverage. You are covered for participating in marathons (but not bi- or triathlons, scuba-diving, trekking below 3,000 metres, harnessed rock-climbing if done with a tour operator and available to the general public (below 6,000 metres), skiing and snowboarding. You should keep in mind that any equipment besides golf equipment is not covered.

Golf CoverageClassicDeluxePremier
Golf EquipmentS$500S$500S$750
Loss of Green FeesN/AS$250S$250

Claims Information

AIA lets you submit your claims online (linked below) in a 30 minutes session. You will get a one-time password to use for your claim submission. Make sure you have documents that support your claim, your travel itinerary and mobile phone.

Contact Information
Customer Service1-800 248 0000
24-Hour Emergency Assistance(65) 6248 8000
Address1 Robinson Road, AIA Tower, Singapore 048542

AIA Coverage and Benefits


Hopefully, reading our review of AIA's travel insurance plans has helped you determine if this insurer has the right policy to meet your protection needs for your next business trip or holiday. But if you'd like to learn more about what else is out there, please consider reading our list of the best and cheapest travel insurance plans in Singapore.

ClassicDeluxePremierIndustry Average
1-Week ASEANS$37.30S$53.50S$76.65S$46.00
Annual ASEANS$250S$300S$460.50S$248.00
1-Week AsiaS$55.45S$73.60S$105.90S$56.00
Annual AsiaS$250S$300S$460.50S$264.38
1-Week GlobalS$75.60S$92.80S$123S$78.00
Annual GlobalS$320S$400S$651S$355.00
1 Week ASEAN Value Ratio0.230.581.821.00
Annual Global Ratio0.220.661.801.00
Coverage BenefitsClassicDeluxePremierIndustry Average
Personal Accident & DeathS$150,000S$200,000S$500,000S$329,300S
Emergency Evacuation & RepatriationUnlmtdUnlmtdUnlmtdS$1,043,000
Trip CancellationS$5,000S$10,000S$15,000S$12,900
Trip DelaysS$1,000S$1,000S$1,000S$1,300
Baggage Loss DamageS$3,000S$5,000S$8,000S$5,700
Baggage DelayS$1,000S$1,000S$1,000S$1,100
Mary Leah Milnes

Junior Research Analyst

Comments and Questions

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