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

Comprehensive travel insurance covers multiple risks: overseas medical expenses (often the most valuable benefit), trip cancellation, lost luggage, travel delays, personal accident, and liability.

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

MediShield Life does not cover overseas medical expenses. A hospital stay in the US can cost tens of thousands of dollars. Travel insurance provides essential coverage for these potentially devastating costs.

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

Trip cancellation reimburses non-refundable travel costs (flights, hotels, tours) when you must cancel for covered reasons. Common covered reasons include illness, injury, death of a travel companion, and jury duty.

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

If your checked luggage is delayed beyond the trigger period (usually 6-12 hours), baggage delay coverage reimburses essential purchases like clothing and toiletries up to the policy limit.

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

Single-trip insurance covers one specific journey. Annual multi-trip plans cover unlimited trips within a year but typically limit each trip duration (e.g., 30, 60, or 90 days per trip). Frequent travellers benefit from annual plans.

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PGI Insurance Practice Test

PGI Travel Insurance