Travel Insurance

Will Travel Insurance Help If You're Left Stranded Overseas?

Travelling overseas can be unpredictable. From flight cancellation to getting stranded abroad, read this to find out what travel insurance can do for you!

What if your flight is delayed, or you require emergency medical treatment in a foreign hospital? Being stranded overseas is no fun. Furthermore, with the emergence of the Omicron variant, travellers were left stranded in foreign countries due to cancelled flights and bans imposed by government authorities.

Caselli, a journalist, was forced to sleep on Changi Airport’s floor with her family because their flight to Athens was cancelled due to a snowstorm. She was left stranded at the airport for a night with nowhere to go and went through a lot of hoops and infamy to get the situation sorted out.

Should you end up in a similar situation in the future, travel insurance might come in useful. Travel insurance acts as a financial safeguard to protect against unexpected travel circumstances, providing you with a peace of mind, especially in such unprecedented times.

3 Benefits Of Travel Insurance

1. Compensate Against Medical Expenses And Emergency Assistance

One of the greatest benefits of travel insurance is protection against accidents or medical treatment expenses that you might incur during your trip.

Medical expenses can be expensive overseas. You might have heard of people spending thousands of dollars on medical charges overseas because they did not purchase travel insurance.

Even though travel insurance adds to the cost of your trip, it guards against the massive costs of medical emergencies should they happen.

If you fall ill or require emergency medical treatment whilst on holiday, your travel insurance will help cover any doctor or hospital bills incurred. When making a claim, you will be reimbursed up to the limit specified in the insurance policy.

2. Cover Against Travel Delay

The fluid Covid-19 situation might result in sudden changes to your trip itinerary. From sudden border closures to the cancellation of your airline booking, there are many situations that might cause you to be stranded in a foreign country, which you definitely wouldn’t want.

Travel insurance can help minimise your financial losses in case such circumstances arise. However, do note that the coverage offered is different for every product so remember to read the fine print when purchasing any travel insurance policy.

3. Source Of Help In Unfamiliar Territory

Most travel insurance companies offer 24/7 customer support for their insured customers. This comes in particularly handy when there are language barriers or geographical hindrances.

Exploring the outskirts of Thailand? Or taking a trip to Metropolitan New York? Regardless of where you are, there will be a dedicated customer support hotline for you to contact in case of any travel-related troubles.

A pro-tip is to add the customer service hotline to your contact list so that it is readily accessible in case of an emergency.

Usual Coverage That Travel Insurance Can Help Customers With

Benefits and coverage differ from plan to plan. However, most comprehensive travel insurance policies usually cover:

  1. Travel Delay
  2. Trip Cancellation or Curtailment
  3. Lost, Damaged, or Stolen Baggage
  4. Personal Accident
  5. Medical Emergencies / Treatments / Evacuation
  6. Travel Agency Bust

It is crucial that you pick out a travel insurance plan best suited for you. Most insurance plans have exclusions, including pre-existing medical conditions, high-risk sports and health issues caused by illegal activities.

When buying travel insurance, be sure to compare different policies to find the right one for yourself.

We have curated a list of the best travel insurance should you encounter any one of these situations.

Best Travel Insurance For Flight Delay: HL Assurance

Consider this if you’re worried about flight delays
  • Personal Accident Coverage
    • S$200,000-S$300,000
    • Trip Delay Coverage
      • S$1,000
      • Baggage Delay Coverage
        • S$800 to S$1,200
        HLAS: 50% off + NCD + Free Coverage
        Premium and valueBasicEnhancedSuperior
        Personal Accident and DeathS$200,000S$250,000S$300,000
        MedicalS$150,000S$250,000S$500,000
        Emergency Medical & RepatriationUnlmtdUnlmtdUnlmtd
        Trip CancellationS$5,000S$7,000S$12,000
        Trip DelaysS$1,000S$1,000S$1,000
        Baggage Loss DamageS$3,000S$5,000S$7,000
        Baggage DelayS$1,000S$1,000S$1,000
        Premium and valueBasicEnhancedSuperior
        Trip Cancellation due to Covid-19NAS$1,000S$2,000
        Trip Postponement due to Covid-19NAS$750S$1,500
        Trip Curtailment or Rearrangement due to Covid-19NAS$1,000S$2,000
        Overseas Hospital Cash Benefit due to Covid-19NAS$1,000S$2,000
        Overseas Quarantine Allowance due to Covid-19NAS$500S$1,000
        Emergency medical evacuation and sending you home due to Covid-19NAUnlmtdUnlmtd
        Repatriation of mortal remains due to Covid-19NAUnlmtdUnlmtd
        HL Assurance's travel insurance plans are great for global travellers worried about flight delays. HL Assurance travel plans offer one of the highest caps for flight delays, including the most basic plan. There is also coverage for lost items, trip curtailment, postponement, cancellation and delays, as well as rental car excess (the excess you owe if you get into a car accident abroad), medical expenses and hospital cash benefit both abroad and back in Singapore. If you are looking for a comprehensive travel plan that provides high coverage for flight delays, HL Assurance's travel insurance plan might be right for you.

        Best Travel Insurance For Pre-Existing Medical Conditions: Etiqa Tiq

        PROMO: Get $100 per referral
        Consider this if you have pre-existing medical conditions
        • Personal Accident Coverage
          • S$30,000-S$500,000
          • Trip Delay Coverage
            • S$300-S$500
            • Baggage Delay Coverage
              • S$200
              Use code TEIF for discount
              Premium and valueEntrySavvyLuxury
              Personal Accident and DeathS$200,000S$250,000S$300,000
              Medical Expenses Incurred OverseasS$200,000S$500,000S$1,000,000
              Emergency Medical & RepatriationCombined limit up to $1,000,000Combined limit up to $1,500,000Combined limit up to $1,800,000
              Trip Cancellation and Loss of DepositS$5,000S$5,000S$10,000
              Trip DelaysS$300 ($50 per 3hrs)S$300 ($50 per 3hrs)S$500 ($50 per 3hrs)
              Baggage DelayS$200 ($100 per 6hrs)S$200 ($100 per 6hrs)S$200 ($100 per 6hrs)
              Premium and valueEntrySavvyLuxury
              Trip Cancellation and Loss of Deposit due to Covid-19S$3,000S$4,000S$5,000
              Travel Postponement due to Covid-19S$500S$1,000S$1,500
              Trip Curtailment and Disruption due to Covid-19S$3,000S$4,000S$5,000
              Medical Expenses Incurred Overseas due to Covid-19S$100,000S$200,000S$300,000
              Overseas Covid-19 Diagnosis Quarantine AllowanceS$500S$1,000S$1,500
              Emergency Medical Evacuation and Repatriation of Mortal Remains due to Covid-19S$200,000S$300,000S$500,000
              Hospitalisation Benefit in Singapore due to Covid-19S$100S$200S$300
              Etiqa Tiq Pre-Ex plans provide comprehensive coverage against medical expenses if you fall sick during your trip due to pre-existing medical conditions. Pre-existing medical conditions include diabetes, eczema, asthma, heart conditions, stroke, asthma, sleep apnea, cancer and epilepsy. However, do note that your illness must be stable and under control. If you are looking for an affordable yet comprehensive plan to protect against medical treatment due to pre-existing conditions, you can consider Etiqa Tiq's Pre-Ex policies.

              Best Travel Insurance For Inconvenience Coverage: Allianz Travel

              PROMO: Get 23% off all travel policies with TRAVEL23
              Consider this if you want to maximise travel inconvenience coverage
              • Personal Accident Coverage
                • S$80,000
                • Trip Delay Coverage
                  • S$1,500
                  • Baggage Delay Coverage
                    • S$1,400
                    Premium and valueBasicEnhancedSuperior
                    Personal Accident and DeathS$200,000S$250,000S$300,000
                    MedicalS$150,000S$250,000S$500,000
                    Emergency Medical & RepatriationUnlmtdUnlmtdUnlmtd
                    Trip CancellationS$5,000S$7,000S$12,000
                    Trip DelaysS$1,000S$1,000S$1,000
                    Baggage Loss DamageS$3,000S$5,000S$7,000
                    Baggage DelayS$1,000S$1,000S$1,000
                    Premium and valueComprehensive BronzeComprehensive SilverComprehensive Platinum
                    Trip Cancellation CoverageS$15,000S$15,000S$25,000
                    Trip Interruption CoverageS$15,000S$15,000S$25,000
                    Travel Delay CoverageS$1,500S$1,500S$1,500
                    Baggage CoverageS$7,000S$12,000S$15,000
                    Baggage Delay CoverageS$1,400S$1,400S$1,400
                    Emergency Medical/Dental CoverageS$1,000,000S$1,000,000Unlmted
                    Emergency Transportation CoverageS$1,000,000S$1,000,000Unlmted
                    For those who are looking for a combination of affordability and value with a focus on trip and baggage coverage, Allianz Travel can be a great match. What makes these plans stand out is that they exhibit very high value with their generous trip inconvenience coverage. In fact, these plans consistently have the highest trip inconvenience coverage trip cancellation, baggage loss/delay and trip delay coverage) among their peers. If you tend to travel with valuable belongings or you are concerned with sudden changes to your trip itinerary, Allianz Travel plans can provide maximum peace of mind in that area. However, it does lag behind peers in terms of personal accident coverage.

                    Best Travel Insurance For Covid-19 Coverage: Income Travel Insurance (Standard Plan)

                    PROMO: Get 40% off single-trip policies
                    Consider this if you want protection against unexpected Covid-19 expenses
                    • Personal Accident Coverage
                      • S$150,000-S$500,000
                      • Trip Delay Coverage
                        • S$1,000 to S$2,000
                        • Baggage Delay Coverage
                          • S$1,000 to S$2,000
                          Premium and valueClassicDeluxePreferred
                          Personal AccidentS$150,000S$200,000S$500,000
                          Medical expenses overseasS$250,000S$500,000S$1,000,000
                          Emergency Medical evacuationS$500,000UnlmtdUnlmtd
                          Trip CancellationS$5,000S$10,000S$15,000
                          Trip DisruptionS$3,000S$5,000S$8,000
                          Baggage Loss DamageS$3,000S$5,000S$8,000
                          Baggage DelayS$1,000S$1,200S$2,000
                          Features (For all premiums)Extension
                          Cancelling your trip due to COVID-19S$2,000
                          Postponing your trip due to COVID-19S$2,000
                          Shortening your trip due to COVID-19S$2,000
                          Trip disruption due to COVID-19S$2,000
                          Medical expenses overseas due to COVID-19S$150,000
                          Emergency medical evacuation and sending you home due to COVID-19S$150,000
                          Overseas quarantine allowance due to COVID-19S$1,400
                          With Covid-19, it is even more crucial to protect yourself in such unprecedented times. Income travel insurance offers protection against unexpected Covid-19 emergencies. Some examples include cancelling your trip, overseas quarantine allowance, and medical expenses due to Covid-19. All per trip and yearly plans will automatically include the following COVID-19 benefits. Travellers can enjoy COVID-19 benefits for the first 90 days of each trip for Standard per-trip policies.

                          The new normal for travel in a post-Covid-19 world requires extra precautions. Apart from essentials such as face masks and hand sanitisers, travel insurance has also become a quintessential part of travelling, acting as a safety net to protect you from unforeseen circumstances.

                          Do not let the fear of unexpected situations stop you from your next getaway. Guard against unanticipated travel costs with comprehensive travel insurance for yourself.

                          Christopher Wong

                          Christopher is a licensed financial adviser and a General Insurance Broker with PolicyPal. He has nine years of experience in the insurance industry with various notable companies including Chubb, AVA, AIA, NTUC Income, and more. Today, Christopher helps to oversee the insurance content on ValueChampion and bring business growth to PolicyPal.

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