Comprehensive Coverage with UOI Travel Insurance
ChinaChoose your plan
3 tiers, ordered cheapest to most comprehensive.
Offers
SingSaver Reward up to S$20
- Up to S$20 PayNow, with minimum spend
- Get S$5 with no minimum spend.
- Get S$100 with minimum spend of S$100 premium.
- Refer to T&Cs for the full list of participating products.
- You may expect to receive reward within 120-150 days after purchase.
- Eligible product must be maintained in a valid state after successful application, prior to the fulfilment date.
- Valid till 30 November 2026.
- Limited quantities available, please refer to T&Cs for more details.
- T&Cs apply.
Highlights
Things to Consider
Policy Documents
Frequently asked questions about UOI Travel Insurance
No. UOI requires you to buy your UniTravel policy before your trip starts, and the policy must cover the entire duration of your trip. All trips must also start and end in Singapore.
It's best to buy your policy as soon as you've booked your trip. Trip cancellation cover only applies if you bought the policy before you became aware of anything that could lead to your trip being cancelled.
How you cancel depends on the type of plan you have:
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Single Trip plan: You can cancel at any time before your trip starts by giving UOI written notice.
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Annual Multi-Trip plan: You can cancel at any time by giving UOI 30 days' written notice by registered letter.
To request a cancellation, contact UOI at 6222 7733 or contactus@uoi.com.sg. UOI's customer service is open Monday to Thursday from 8.45am to 5.45pm, and Friday from 8.45am to 4.45pm (closed on weekends and public holidays). See the refund policy below for how much you'll get back.
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Single Trip plan: If you cancel before your trip starts, UOI refunds your premium minus a S$25 cancellation fee. UOI doesn't refund amounts under S$10, so if your premium is below S$35, you won't receive a refund. No refund is given once your trip has started or if you've made a claim.
Annual Multi-Trip plan: Refunds are based on how long your policy has been in force, provided no claim has been made:
When you cancel
Refund of annual premium
Within 90 days
50%
91 to 182 days
30%
183 days or more
No refund
Your UniTravel policy is automatically extended by up to 14 days, at no extra cost, if your return to Singapore is delayed for reasons beyond your control due to:
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An accident or serious illness (including COVID-19) you suffer while overseas
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An unavoidable delay to the scheduled public transport you're travelling on
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Compulsory quarantine (including for COVID-19) ordered by local authorities while you're overseas
The event causing the delay must itself be covered under your policy.
UniTravel's policy wording only provides for these automatic extensions. If you're planning to stay longer for any other reason, contact UOI at 6222 7733 before your policy ends to check your options. Note that a single trip can last up to 185 days, and each trip on an Annual Multi-Trip plan can last up to 90 days.
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UOI's worldwide plans (Area 3 for Single Trip, Area 5 for Annual Multi-Trip) exclude the following countries:
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Afghanistan
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Democratic Republic of Congo
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Iran
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Iraq
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Libya
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Nepal
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North Korea
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Somalia
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Sudan
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Syria
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Yemen
You're also not covered while transiting through any of these countries. Tibet is excluded from plans covering China.
Countries outside the area you selected aren't covered either. For example, an Area 1 (ASEAN) plan won't cover you if you travel to Japan.
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Why choose UOI Travel Insurance
UOI's UniTravel plans come in three tiers (Value, Plus and Pro), so you can match your cover to your trip and budget. All three include COVID-19 cover at no extra cost, emergency medical evacuation, and trip cancellation cover that extends to frequent flyer points used to buy your airline tickets.
UniTravel is available as a Single Trip or Annual Multi-Trip plan, with individual and family options. Families travelling together can share higher aggregate limits, and children under 18 (or up to 23 if studying full-time) can be covered on a Family plan.
UOI Travel Insurance coverage details
Overseas medical, dental and other expenses
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Up to S$100,000 (Value), S$250,000 (Plus) or S$700,000 (Pro) for adults under 70 and children
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Limits are halved for travellers aged 70 and above
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Covers inpatient and outpatient treatment, including emergency dental treatment, incurred within 90 days of the incident
Emergency medical evacuation and repatriation
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Unlimited cover for adults under 70 and children on all plans
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Up to S$50,000 (Value), S$125,000 (Plus) or S$150,000 (Pro) for travellers aged 70 and above
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Arranged through UOI's 24-hour emergency assistance hotline at +65 6222 7737
Medical expenses after you return to Singapore
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Up to S$3,000 (Value), S$10,000 (Plus) or S$30,000 (Pro) for adults under 70 and children
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You must seek treatment within 3 days of returning, with follow-up treatment covered for up to 31 days
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Traditional Chinese Medicine and chiropractic treatment covered up to S$200, S$300 or S$500
Hospital confinement allowance (Plus and Pro only)
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S$200 (Plus) or S$300 (Pro) for each full day in hospital overseas
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S$100 (Plus) or S$150 (Pro) for each full day in hospital in Singapore
Accidental death and permanent total disablement
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Up to S$50,000 (Value), S$100,000 (Plus) or S$300,000 (Pro) for adults under 70
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Up to S$100,000, S$200,000 or S$600,000 for accidental death on public transport (adults under 70)
Trip cancellation and postponement
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Up to S$3,000 (Value), S$5,000 (Plus) or S$10,000 (Pro) for trip cancellation
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Trip postponement sub-limit of S$500, S$1,000 or S$1,500
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Replacement of traveller covered up to S$100 (Plus) or S$200 (Pro)
Travel delay, curtailment and disruption
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Travel delay: S$50 (Value) or S$100 (Plus and Pro) for every full 6 hours, up to S$500, S$1,000 or S$1,500
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Trip curtailment: up to S$2,000, S$4,000 or S$8,000
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Trip disruption: up to S$200, S$500 or S$1,000
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Also covers flight deviation, missed connections and overbooked flights
Baggage delay
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S$50 (Value) or S$100 (Plus and Pro) for every full 6 hours your checked-in baggage is delayed overseas
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Up to S$500, S$1,000 or S$1,500 in total
Baggage and personal effects
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Up to S$1,000 (Value), S$3,000 (Plus) or S$6,000 (Pro)
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Laptops, handheld devices and mobile phones covered up to S$500, S$800 or S$1,000
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Losses must be reported to the local police within 24 hours
Personal money and travel documents
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Up to S$500 (Value), S$1,000 (Plus) or S$3,000 (Pro)
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Cash sub-limit of S$250, S$300 or S$500
Personal liability
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Up to S$100,000 (Value), S$200,000 (Plus) or S$500,000 (Pro) for your legal liability to third parties overseas
Rental vehicle excess
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Up to S$500 (Value), S$2,000 (Plus) or S$3,000 (Pro) for the excess you must pay if your rental vehicle is damaged in an accident
Home protection
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Up to S$2,000 (Value), S$4,000 (Plus) or S$6,000 (Pro) for loss or damage to your home contents in Singapore from fire or burglary while you're away
Travel agent bankruptcy or insolvency
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Up to S$1,000 (Value), S$2,500 (Plus) or S$5,000 (Pro) for lost deposits if your Singapore-licensed travel agent goes bust
COVID-19 cover
All UniTravel plans include COVID-19 cover. Key benefits for adults under 70 include:
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Overseas medical expenses due to COVID-19: up to S$100,000 (Value), S$150,000 (Plus) or S$200,000 (Pro)
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Emergency medical evacuation due to COVID-19: up to S$100,000, S$150,000 or S$200,000
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Trip cancellation due to COVID-19: up to S$1,500, S$2,500 or S$5,000 (policy must be bought at least 3 days before your trip)
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Trip curtailment due to COVID-19: up to S$1,000, S$1,500 or S$2,500
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Overseas hospital or quarantine allowance: S$50 (Value) or S$100 (Plus and Pro) per day, for up to 14 days
Who can buy UOI Travel Insurance
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Singapore Citizens, Permanent Residents, and Employment Pass, Work Permit, Dependant's Pass or Long-Term Visit Pass holders living in Singapore
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The applicant must be at least 18 years old
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Single Trip plans cover travellers up to age 80, with trips of up to 185 days
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Annual Multi-Trip plans are available for ages 18 to 75, with each trip lasting up to 90 days
Coverage areas
|
Plan |
Area |
Countries covered |
|---|---|---|
|
Single Trip |
Area 1 |
Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam |
|
Single Trip |
Area 2 |
Area 1, plus Australia, China (excluding Tibet), Hong Kong, India, Japan, South Korea, Macau, New Zealand, Sri Lanka, Taiwan |
|
Single Trip |
Area 3 |
Worldwide, excluding the countries listed in the FAQ above |
|
Annual Multi-Trip |
Area 4 |
Asia-Pacific countries in Areas 1 and 2 |
|
Annual Multi-Trip |
Area 5 |
Worldwide, excluding the countries listed in the FAQ above |
Pros and cons of UOI Travel Insurance
|
Pros |
Cons |
|---|---|
|
✅ COVID-19 included: Cover comes with every plan at no extra cost. |
❌ No pre-existing conditions cover: Travellers with ongoing health conditions will need a specialised plan. |
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✅ Unlimited evacuation: Emergency medical evacuation is unlimited for adults under 70 and children. |
❌ No Cancel For Any Reason option: Only the listed cancellation reasons are covered. |
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✅ Frequent flyer points protected: Lost miles used to buy tickets are covered under trip cancellation. |
❌ Lower limits from age 70: Medical and accident limits are halved for older travellers. |
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✅ Automatic extension: Cover extends by up to 14 days if a covered event delays your return. |
❌ Destination gaps: Nepal and Tibet are excluded, which matters for trekkers. |
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✅ Strong rental car excess cover: Up to S$3,000 on the Pro plan. |
❌ Activity limits: Trekking above 3,000m, diving deeper than 30m and bungee jumping aren't covered. |
UOI UniTravel suits travellers who want solid medical, COVID-19 and trip disruption cover across three clear tiers. It's less suitable if you have a pre-existing condition, want CFAR flexibility, or are heading to Nepal or Tibet.
UOI Travel Insurance compared to other insurance providers
|
Provider |
Best for |
Medical coverage (overseas) |
Medical coverage (local) |
Trip cancellation |
Loss of baggage |
Premium |
|---|---|---|---|---|---|---|
|
UOI UniTravel Value |
COVID-19 and trip disruption cover |
S$100,000 |
S$3,000 |
S$3,000 |
S$1,000 |
$22.75 |
|
MSIG Standard Plan |
Balanced coverage with extras |
S$250,000 |
S$25,000 |
S$5,000 |
S$3,000 |
$32.20 |
|
Starr TraveLead Silver Plan |
Frequent travellers |
S$500,000 |
S$20,000 |
S$10,000 |
S$5,000 |
$36.81 |
|
Singlife Travel Lite |
Affordable short trips |
S$250,000 |
S$5,000 |
S$5,000 |
S$3,000 |
$35.28 |
|
HL Assurance Silver |
Family travel |
S$250,000 |
S$15,000 |
S$7,000 |
S$5,000 |
$34.40 |
All calculations are based on a single trip, worldwide, 3 days for 1 adult.
UOI's entry-level plan has lower headline limits than some competitors, but includes COVID-19 cover and unlimited emergency evacuation for travellers under 70.
How to claim
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Notify UOI's claims handler of your claim as soon as possible, and no later than 31 days after you return to Singapore.
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Complete the UniTravel claim form.
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Gather your supporting documents, such as medical reports, receipts, a police report (required within 24 hours for loss or theft), an airline Property Irregularity Report for baggage issues, and proof that providers refused a refund.
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Email your completed form and documents to Broadspire by Crawford & Company at travel-uoi@broadspire.asia, or call 6632 8639.
For medical emergencies overseas, call UOI's 24-hour emergency assistance hotline at +65 6222 7737.
Related pages
In addition to UOI travel insurance, here are some other travel insurance providers available in Singapore:
Allianz Travel Insurance Singapore
Allied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
FWD Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
Great Eastern Travel Insurance Singapore
GrabInsure Travel Insurance Singapore
Income Travel Insurance Singapore
MSIG Travel Insurance Singapore
QBE Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
Starr Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore