A travel insurance is necessary however there are cases of unhappiness when relate to claims.

Why is that so?

1.)  Does these following situations sound familiar?

  • Leaving your phone in a restaurant is not covered
  • Leaving your bag in the back of a taxi is not covered
  • Forgetting a suitcase on the airport conveyor belt is not covered
  • When self-drive own car to another country, items inside the car, damage are not covered.

2.)  Examples of Unpaid Claims That could have done better

  • Mike lost his baggage and spent time and time of the trip calling the insurer to report a claim. After numerous phone calls and emails, he was told that his baggage could not be claimed as it was lost due to his negligence!
  • Sam was told in France, his phone was stolen from his bag that he had left with a friend whilst he went to the bathroom. he immediately reported it to the police and file a claim, however was declined because he was told his bag was unattended!”
  • “his luggage was misdirected while travelling to Japan, and the airline refused to accept. That fault was theirs. Then his travel insurance claim was rejected as he did not have the necessary documentation.”


3.)  What Is Luggage And Personal Effects, In The Travel Insurance World?

  • The basic definition of “baggage and personal effects” is: Any personal items owned by you and that you take with you or buy on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment.


4.)   What are the Typical Situations that are Covered?

  • Belongings that are lost, stolen or damaged during your trip, whilst they are accompanying you.
  • Theft of cash, (to a specified limit) you will need a police report for proof of loss.
  • If your luggage is delayed (over a certain number of hours as specified by the insurer) and you need to buy clothes or food, then your travel insurance will reimbursed these expenses (up to an amount specified by the insurer).
  • If your travel documents e.g. passport, credit cards are lost or stolen, any financial loss you incur because of this will be covered by your travel insurance.
  • Luggage and personal effects left in a motor vehicle during daylight hours, your belongings must have been locked in the boot or in a locked storage compartment and forced entry must have been made.


5.)   What are the Typical Situations  that Are Not Covered?

  • Items left in a hotel room, or hotel luggage room after check out.
  • Items left behind in any aircraft, ship, train, tram, taxi or bus.
  • Jewellery, mobile phones, cameras, video cameras, personal computers that are transported in the cargo hold of any aircraft, ship, train, train, tram or bus.
  • Items unattended in a motor vehicle, unless they were locked in the boot or in a locked storage compartment.
  • Items left unattended or unsupervised in a public place.
  • If you have being compensated from a transport carrier for the loss of your items, travel insurance will not cover the loss. As insurance is to cover lost and not make a profit out of it. However, if you’re not reimbursed the full amount, travel insurance will make up the difference (depends on the plan you have purchase).


6.)   What Do Insurers Mean When They Say Your Items Are ‘Unattended’ Or ‘Unsupervised’?

  • When you leave your luggage and personal effects:
  • With a person you did not know prior to commencing your journey.
  • In a position where it can be taken without your knowledge.
  • At such a distance from you that you are unable to prevent it being taken.


7.) What Do Travellers Need To Do/Have To Make A Successful Claim?

  • Report the loss or theft ASAP to the police within 24 hours and get written proof for the insurer.
  • Report the loss or theft ASAP to your transport carrier e.g. bus, airline, train and get written proof for the insurer.
  • Report the loss or theft ASAP to your accommodation provider and get written proof for the insurer.
  • Provide original receipts or photos of items to provide proof of ownership.
  • If you’re claiming for travel delay expenses, you must be able to prove to the insurer that you have done everything reasonable to avoid delay expenses, and in many cases you are going to need to provide written proof of cancelled flights, delays or loss.
  • If you are intoxicated at the time of loss or theft of your belongings, your claim is likely to be rejected.
  • hiking or diving or any non competitive sport event, please let the insurer know that your intention for your travel and the height or depth that you are going as there are certain exclusion and limit. Do take note to call emergency line of the insurer if necessary and never act ownself relate to any situation.

8.) Medical bills to take note 

When required to see a specialist, only with a referral letter from a GP will be consider for a claim consideration. when there are No referral letter available from GP and direct visit a specialist, it will not be consider for any claim consideration . no appeal are allow.

When upon return back to Singapore, and wanted to see a doctor , please visit a doctor asap as there is a guidelines of timeframe for the eligibility to be able to claim.

There is a cap claim limit per visit for TCM and others.  please take note.

Just a short note

If illness or weather alter your travel plans and your trip payments are non-refundable, you could see your holiday end in financial ruin.

Travel insurance covers trip cancellation/interruption and overseas emergency medical expenses for injury or illness, that can over tens of thousands of dollars.

It’s important to remember that each company has a different list of items and situations that are covered. For example, some insurers do not cover sporting equipment, musical instruments, jewellery, or cash under a standard policy. Always refer to an insurer’s fine print to see what items and situations they exclude.

If you have any special concern like what coverage you are looking for, it will be good to address early before you brought the travel insurance to match you needs.


*Claims must be submitted and assessed by the claims department for accurate assessment*

This is just for general information only