Travel Guard Additional Details

Family Plan

• Per Trip: For 1 or 2 adults traveling with any number of children. The 2 adults need not be related but each child must be legally related to either of the insured adults. The family must travel and return together.

• Child or Children shall mean an unmarried person or persons not older than 18 years of age or below 23 years of age if such person(s) is enrolled to study full-time in a recognized institution of learning or higher learning during the Policy period.

Trip Duration

• Per Trip means one trip which does not exceed 182 consecutive days.

• Individual Annual Multi-Trip are most suited for frequent travelers as it provide maximum cost savings and convenience. You can have unlimited number of trips during the policy period specified in the policy schedule, where each trip shall not exceed 90 consecutive days from the date of departure to the date of return to Singapore.

Commencement of Coverage

• Travel Cancellation (Section 18), Travel Postponement (Section 19) and Travel Cancellation due to Insolvency (Section 20) is effective either: (a) 60 days before the date of departure, or (b) from the Policy issuance date which must be at least 3 days before the departure date (date of departure inclusive) for this benefit to respond, whichever is later.

• Personal Accident Protection (Section 15) commences 3 hours before the Insured Person(s) leave(s) his permanent place of residence or office for a direct journey to the place of embarkation in Singapore and cease(s) whenever any of the following occurs first:
(a) when the period specified in the policy has expired,
(b) when the Insured Person(s) return(s) to his/her/their permanent place of residence, or
(c) within 3 hours upon arrival back in Singapore.

All other benefits will be provided at the later of the departure date shown on the policy schedule or the time of departure from Singapore.

Duplicate & Refund Coverage

• If the Insured Person is covered by more than 1 travel insurance policy underwritten by AIG Singapore Insurance Pte. Ltd. for the same trip, we will consider the person to be insured only under the Policy which provides the highest benefit level.

• No refund of premium is allowed once the Per-Trip Policy has been issued.

Some General Exclusions

- Insured not taking all reasonable efforts in safeguarding property or avoiding injury;
- Participation in extreme sports and sporting activities;
- Sexually Transmitted Diseases, AIDS, HIV infections and AIDS related infections;
- Mental or nervous disorders;
- Suicide or attempted suicide or intentional self-inflicted injuries;
- Childbirth & Pregnancy (except Section 3 and Section 7);
- When insured not fit to travel or traveling against the advice of a Medical Practitioner;
- Insured traveling as operator or crew member in aircraft or Common Carrier;
- Engaging in naval, military, air force service or operations, or testing of any conveyance, or
engaging in manual work.

PRE-EXISTING MEDICAL CONDITION means any condition for which:

a) You received medical treatment, diagnosis, consultation or prescribed drugs within a twelve (12) month period preceding the commencement of a Trip; or

b) Medical advice or treatment was recommended by a Medical Practitioner within a twelve (12) month period preceding the commencement of a Trip; or

c) A reasonable person in the circumstances would be expected to be aware of within a twelve (12) month period preceding the commencement of a Trip.


Zone 1: Malaysia, Indonesia, Brunei, Philippines, Myanmar, Vietnam, Cambodia and Laos

Zone 2: Countries in Zone 1, Thailand, China, Hong Kong, Macau, Taiwan, Mongolia, Maldives, Bangladesh, India, Pakistan, Sri Lanka, the United Arab Emirates, Kuwait, Bahrain, Oman, Qatar, Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Mexico, Panama, Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Guyana, Paraguay, Peru, Suriname, Uruguay and Venezuela.

Zone 3: Countries in Zone 1 & Zone 2, Australia, New Zealand, Korea, Japan and the rest of the world excluding Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan and Syria.

Country Exclusion

AIG Singapore Insurance Pte. Ltd. will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.

Note: Please refer to the Policy for the specific terms, conditions and exclusions.