DirectAsia Travel Insurance: How Good Is it?

DirectAsia Travel Insurance: How Good Is it?

DirectAsia's focus on trip delay coverage and relatively affordable pricing are the hallmark of this insurer's travel insurance policies, with the premium-tier Travel 500 plan a clear standout.

Good for

  • People seeking great coverage for trip delays on the market
  • People seeking great value in a deluxe travel insurance plan for an affordable price in the Travel 500 premium plan

Bad for

  • People who want a high degree of coverage in budget-tier or mid-tier travel insurance plans
  • Travellers seeking a very cheap annual plan

Editor's Rating

3.5/5.0

Direct Asia's plans benefits and competitively priced plans can entice both the budget and value seeking traveller, in addition to offering some notable perks not often seen in travel insurance. However, depending on which kind of plan you're looking for, DirectAsia may give you a varying amount of bang for your buck, which means you may have to pay more to get a better value plan. Below, we break down each of DirectAsia's travel insurance plans so that you can make the right call when planning your next trip out of Singapore.

Summary of DirectAsia Travel Insurance

Travel 150Travel 200Travel 500Travel 1000
Child limits are the same as adults
Covers trip cancellations due to haze and reluctance to travel following terrorist attack
One of the cheapest options but has lackluster coverageCheap annual/multi-trip policiesCombines great value and cheap prices for affordable premium plans
Annual policies are not availableOnly available for Annual Plans

Table of Contents

DirectAsia Travel Insurance: What You Need to Know

DirectAsia offers three travel insurance plans for Singaporeans looking to travel: the Travel 150, 200, 500 and annual-only 1000 plan, with the 500 and 1000 Plans being the clear standouts due to their price and coverage. While they don't provide the highest value possible, Direct Asia's plans do offer some notable perks that can entice families and adventurous travellers. These include providing the same medical and accident coverage limits for children as for adults, extreme sports and sports equipment coverage, coverage for your domestic worker and trip cancellation benefits due to haze or reluctance to travel following a terrorist attack. DirectAsia's focus on trip inconvenience coverage and comepetitive pricing are the hallmark of this insurer's travel insurance policies.

A graph showing the cheapest travel insurance plans based on a one week trip to the ASEAN region

Notable Exclusions

Direct Asia has the standard exclusions that most other insurers have, minus the extreme sports (with a few exceptions) for those buying their additional coverage. Below, you will find an abridged list of some of the main exclusions, but you should always read the policy documents to make sure you know what you are—and aren't—covered for.

Medical ExclusionsTrip Inconvenience Exclusions
Pre-existing conditionsParticipation in professional or compensated sports
Mental disordersItems taken by customs officials
Unnecessary dental expensesTravelling against advice of regulatory authorities
Pregnancy-related events unless mother is at riskTravelling to a country at war
Travelling when medically unfitClaims paid for by other insurers
Travelling to countries with pandemics or epidemics

DirectAsia Travel 150 and Travel 200 Plan

The DirectAsia Travel 150 and 200 Plan's most notable feature is their market-beating coverage for trip delays (S$3,000 and S$6,000), which more than double the average amount of trip delay coverage provided by other insurers' budget and mid-tier travel insurance plans. Other than that, however, DirectAsia's cheapest and mid-priced plans fail to make a resounding impression. Apart from their great coverage for trip delays, they generally provide below-average coverage in many other important areas like personal accident/death, medical expenses, trip cancellations, and baggage loss/damage. However, they tend to be on the pricier end given the amount of protection these two plans offer compared to their competitors.

The Travel 150 Plan, which is DirectAsia's budget travel insurance plan, lacks an annual/multi-trip policy, making it a less economical choice for individuals who travel out of Singapore more than 3 to 5 times a year. Moreover, it tends to be priced at the same level as higher value plans, making it difficult to find a compelling reason to choose DirectAsia's Travel 150 Plan over other options on the market like the Allianz Global Assistance Bronze Plan that offer considerably better medical and trip inconvenience benefits.

DirectAsia 150Basic Plan Average
1-Week ASEANS$22S$31.30
1-Week GlobalS$40S$54.54
Annual ASEANN/AS$196.90
Annual GlobalN/AS$282.49
1-Week ASEAN Value Ratio0.460.62
1-Week Asia Value Ratio0.480.67
1-Week Global Value Ratio0.440.65
Total Medical & Personal AccidentS$255,000S$416,923
Trip Inconvenience (Baggage delay, cancellations, postponement)S$6,000S$10,904

The Travel 200 Plan is more competitively priced than its sibling, the Travel 150 Plan, as it tends to be the cheapest single and annual trip option for mid-tier plans. However, it is consistently given a run for its money in terms of value for single trip policies by FWD Business Plan, which tends to offer generally better overall coverage for similar prices. Even though it is the cheapest among annual policies, it is outclassed by the similarly-priced Allianz Global Assistance Silver plan, a very high-value plan that gives you among the most bang for your buck in the entire business tier of travel insurance policies.

Travel 200Mid-Tier Industry Average
1-Week ASEANS$25S$43.10
1-Week GlobalS$43S$72.45
Annual ASEANS$149.41S$238.61
Annual GlobalS$209.57S$340.41
1-Week ASEAN Value Ratio0.950.88
1-Week Asia Value Ratio0.990.89
1-Week Global Value Ratio0.940.91
Total Medical/Personal AccidentS$510,000S$874,688
Trip Inconvenience (Baggage delay, cancellations, postponement)S$15,000S$17,719

DirectAsia Travel 500 Plan

The DirectAsia Travel 500 plan is a particularly good choice for travellers seeking annual/multi-trip policies that are affordable while packing a punch. It is one of the cheapest premium plans for this kind of policy, regardless of destination, and has one of the highest-value premium plans on the market for annual trips. It offers S$15,000 of trip cancellation and curtailment, a combined S$525,000 for international and domestic medical expenses and a few extra benefits including pet hotel cover, rental car excess and sports equipment coverage. However, though the benefits are plenty, its high value comes from its low price rather than high limits on benefits. This means travellers who are seeking to maximise better coverage may fare better with other insurers.

One alternative you may want to consider when making your decision is the FWD First Plan, which is a good value option that is similarly priced to the DirectAsia Travel 500 Plan and puts a greater emphasis on coverage for medical expenses and baggage loss/damage as well as unlimited coverage in case of emergencies. For a slightly higher price, you may also consider the AXA Comprehensive Plan or the Allianz Global Assistance Gold Plan for even better coverage at a great value.

Travel 500Top-Tier Industry Average
1-Week ASEANS$39S$53.10
1-Week GlobalS$62S$85.88
Annual ASEANS$185S$308.65
Annual GlobalS$239S$431.55
1-Week ASEAN Value Ratio1.041.09
1-Week Asia Value Ratio0.921.12
1-Week Global Value Ratio1.131.17
Total Medical/Personal AccidentS$1,025,000S$1,571,875
Trip Inconvenience (Baggage delay, cancellations, postponement)S$22,500S$25,779

DirectAsia Travel 1000 Plan

Direct Asia's Travel 1000 Plan is its annual-only option that can benefit frequent travellers looking for a high-value trip inconvenience focused policy. Its premiums cost 30-40% below its peer average, yet it has 35% more trip inconvenience coverage than other premium plans on the market. Additionally, it can appeal to solo and family adventure enthusiasts with its S$5,000 and S$12,500 sports equipment coverage (highest on the market) and S$1,500 car rental excess coverage. You will also find above average medical coverage of S$1,050,000.

One potential setback for DirectAsia's 1000 plan is that though its medical coverage is not paltry by any means, it is not necessarily outstanding compared to other players in the market. Those who are willing to pay for high medical and personal accident benefits may fare better with insurers such as Aviva or Allianz.

Travel 1000Top-Tier Industry Average
Annual ASEANS$220S$308.65
Annual GlobalS$270S$431.55
Annual ASEAN Value Ratio1.670.99
Annual Asia Value Ratio1.771.04
Annual Global Value Ratio1.931
Total Medical/Personal AccidentS$1,550,000S$1,571,875
Trip Inconvenience (Baggage delay, cancellations, postponement)S$35,500S$25,779

Sports Coverage

DirectAsia offers extreme sports coverage only for its annual plans and will raise your premiums by around S$65-S$100, depending on destination and plan selected. However, most of the accepted activities must be done with a professional guide, including trekking, scuba diving, rafting/kayaking, parachuting/skydiving, rock climbing, hang gliding and hot air ballooning. There are a variety of sports that are included even if you don't purchase the annual policy add-on including golfing, hiking, cycling, fishing, water polo and swimming. You can also purchase S$5,000 of sports equipment coverage for an additional S$50.14.

Claims Information

To submit a claim with DirectAsia, you have to call them at their claims number and have ready your flight itinerary and any other supporting documents you'll need. You will be assigned a claims representative who will help you process everything. Alternatively, you can also Email or mail them your claim form and documents.

Contact Information
Customer Service(65) 6532 2888
24-Hour Emergency Assistance(65) 6603 3699
Claims Contact (in Singapore)(65) 6532 1818
Address88 South Bridge Road, Singapore 0058716
ClaimsForm

DirectAsia Travel Insurance Details

Getting the right coverage for your activities can mean saving a lot of money in the event of an unfortunate accident. Below, we outline DirectAsia's coverage and premiums, as well as how they compare to the industry average. If you would like to compare Direct Asia in more detail to other plans in the market, we've written a guide to some of our top travel insurance picks in Singapore.

1502005001000Industry Average
1-Week ASEANS$22S$25S$34N/AS$42.09
Annual ASEANN/AS$149S$186S$220S$251.11
1-Week AsiaS$26S$29S$43N/AS$50.11
Annual AsiaN/AS$149S$186S$220S$266
1-Week GlobalS$40S$43S$54N/AS$70.25
Annual GlobalN/AS$210S$240S$270S$353.87
1 Week ASEAN Value Ratio0.460.951.15N/A0.86
Annual Global RatioN/A0.961.41.930.87
Coverage Benefits1502005001000Industry Average
Personal Accident & DeathS$100,000S$300,000S$500,000S$500,000S$828,790
MedicalS$155,000S$210,000S$525,000S$1,050,000S$312,325
Emergency Medical/Evacuation/RepatriationS$1,500,000S$1,500,000S$1,500,000S$1,500,000S$767,647
Trip CancellationS$3,000S$10,000S$15,000S$25,000S$12,937
Trip DelaysS$1,000S$1,000S$1,500S$2,000S$1,327
Baggage Loss DamageS$1,000S$3,000S$5,000S$7,500S$5,923
Baggage DelayS$1,000S$1,000S$1,000S$1,000S$1,195

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