Travel Guard^® Direct Travel Insurance Frequently Asked Questions

In December 2024, Zurich Insurance Group acquired AIG’s global personal travel insurance and assistance businesses, including Travel Guard. This acquisition strengthens Zurich’s travel insurance capabilities and expands its global footprint. 

Zurich Cover-More is the combined entity formed by bringing together Travel Guard with Zurich’s existing travel insurance businesses, Cover-More Group. It will operate globally under this umbrella.

Existing policyholders will continue to be covered and serviced in accordance with their current policy terms and conditions.

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip. Please refer to the terms and conditions in the policy wording for full details.

If no medical treatment has been received overseas, the time limit for seeking medical treatment is up to a maximum of 30 consecutive days from your arrival in Singapore, provided you first seek medical treatment within two days of arrival in Singapore. Please refer to the terms and conditions in the policy wording for full details.

You have up to maximum of 30 consecutive days from your arrival in Singapore to seek follow-up treatment. Please refer to the terms and conditions in the policy wording for full details.  

There are no exclusions for general business trips under Travel Guard Direct. Please refer to the terms and conditions in the policy wording for full details. 

We cover repatriation of mortal remains due to existing health conditions. However, other benefits will not apply to any claim relating to existing health conditions.

Travel Guard Direct does not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) Regions of Ukraine. 

Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union, the United Kingdom, Switzerland, United States of America or any other applicable trade or economic sanctions law or regulation will not be covered as well. 

A existing health condition is defined as:

i) any injury, illness, disease, or other conditions, including symptoms, suffered by you, your relative, business associate or travelling companion, which in the one (1) year period before the travel start date:

(a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
(b) required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
(c) was treated by a medical practitioner or treatment had been recommended by a medical practitioner.

ii) any congenital, hereditary, chronic or ongoing condition of yours, , your relative, business associate or travelling companion, which you or they are aware of, or could reasonably be expected to be aware of, before the travel start date.

There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:

(a) Trekking route must be available to general public without restriction;
(b) The trekking activity must be organised by a recognised commercial local tour / activity
      provider; and
(c) The entire trekking activity must be under the guidance, supervision of qualified guides and/or
      instructors and you must follow safety procedures and instruction of the guide and/or
      instructor at all times.

Please refer to the terms and conditions in the policy wording for full details.

We will automatically extend the period of insurance for up to 30 days from the policy expiry date without payment of any additional premium if, due to unexpected circumstances beyond your control, for example, due to injury or sickness or unavoidable delays affecting your return common carrier, you cannot complete your trip within the period of insurance stated in your Policy Schedule. This also applies to one person travelling with you who is authorised by us in writing to stay with you if the extension is due to medical reasons.

Please contact our 24-hour emergency assistance hotline at +65 6054 3499.

You can purchase Travel Guard Direct if:

 i. you are ordinarily resident in Singapore (as defined under the Insurance Act 1966) with full rights to enter and return to Singapore regardless of medical status;
ii. you are returning to or intending to return to Singapore at the end of your travel; and
iii. your pre-trip arrangements must be made and paid for, and your trip must commence from Singapore.

Please note if you are above 70 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower.  Please refer to the policy wording for full details.

The maximum trip period covered by Travel Guard Direct is up to:

i.  182 days for return per-trip plans; or
ii.  90 days for any one trip under an annual multi-trip plan.

A per-trip policy commences cover from the time you depart Singapore and ceases upon your arrival in Singapore or the policy end date, whichever comes first. The maximum period of coverage for an overseas trip is 182 consecutive days. 
 
An annual multi-trip policy covers unlimited number of overseas trips, for up to 90 consecutive days each, within the policy year.

If you are travelling on a cruise, you must select the highest covered region based on the furthest destination of your cruise. For example, if your cruise will be stopping in Bali (Region 1) and Australia (Region 2), you must select Region 2 for Australia as that is the furthest destination of your cruise.

You can purchase Travel Guard Direct via our  website. We accept payment by credit card (Mastercard or Visa).

You may do so by contacting us via our Contact Us page before the policy effective date.

Per-Trip policy: There will be no refund of premium once the policy is issued.  

Annual Multi-Trip policy: If the policy is cancelled in the first nine months from the policy issue date, a short rate will apply except if there has been a claim against the policy. A short rate is an insurance premium which we charge if your coverage is less than one year. It is not pro-rated. There will be no refund if you cancel the policy more than nine months from the policy effective date or if a claim has been made against the policy.

Please refer to the terms and conditions in the policy wording for full details.  

Extensions are not allowed after you have commenced your trip.

You can apply for an extension for this trip by submitting a request via our Contact Us page. However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.  

You can submit your claim online through our claims website.