PGI Travel Insurance

Question 1

What are the key benefits of travel insurance for Singapore travellers?

Accepted Answer

Medical expenses overseas, trip cancellation/curtailment, baggage loss/delay, personal accident, personal liability, and travel delay compensation

Answer

Only flight delay compensation

Answer

Only baggage loss coverage

Answer

Only terrorism coverage

Question 2

Why is overseas medical coverage particularly important for Singapore travellers?

Accepted Answer

Healthcare costs in many countries (especially the US, Europe, Japan) can be extremely high, and MediShield Life does not cover overseas medical expenses

Answer

Medical care is free everywhere

Answer

Singapore insurance covers overseas treatment

Answer

Hospitals do not charge foreigners

Question 3

What is 'trip cancellation' coverage in Singapore travel insurance?

Accepted Answer

Reimbursement of pre-paid, non-refundable travel costs if you must cancel your trip for covered reasons such as illness, injury, or death of a family member

Answer

Coverage for cancelled flights only

Answer

Coverage for airline bankruptcy only

Answer

Only hotel cancellation fees

Question 4

What does 'baggage delay' coverage provide in Singapore travel insurance?

Accepted Answer

Reimbursement for essential purchases (toiletries, clothing) if your checked baggage is delayed beyond a specified period, typically 6-12 hours

Answer

Replacement of lost baggage contents

Answer

Full value of delayed luggage

Answer

Only compensation for damaged bags

Question 5

What is the difference between single-trip and annual multi-trip travel insurance in Singapore?

Accepted Answer

Single-trip covers one specific journey; annual multi-trip covers multiple trips within a year, usually with a per-trip duration limit

Answer

They are the same product

Answer

Annual plans are always cheaper per trip

Answer

Single-trip plans provide better coverage

Question 6

What pre-existing condition rules apply to Singapore travel insurance?

Accepted Answer

Most travel insurance policies exclude pre-existing medical conditions unless declared and specifically covered, often for an additional premium

Answer

All pre-existing conditions are covered

Answer

Pre-existing conditions are never covered

Answer

Only heart conditions are excluded