Travel Insurance Flashcards
6 cards from real PGI practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 6 Travel Insurance flashcards as text
What are the key benefits of travel insurance for Singapore travellers?
Answer: Medical expenses overseas, trip cancellation/curtailment, baggage loss/delay, personal accident, personal liability, and travel delay compensation
Comprehensive travel insurance covers multiple risks: overseas medical expenses (often the most valuable benefit), trip cancellation, lost luggage, travel delays, personal accident, and liability.
Why is overseas medical coverage particularly important for Singapore travellers?
Answer: Healthcare costs in many countries (especially the US, Europe, Japan) can be extremely high, and MediShield Life does not cover overseas medical expenses
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.
What is 'trip cancellation' coverage in Singapore travel insurance?
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
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.
What does 'baggage delay' coverage provide in Singapore travel insurance?
Answer: Reimbursement for essential purchases (toiletries, clothing) if your checked baggage is delayed beyond a specified period, typically 6-12 hours
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.
What is the difference between single-trip and annual multi-trip travel insurance in Singapore?
Answer: Single-trip covers one specific journey; annual multi-trip covers multiple trips within a year, usually with a per-trip duration limit
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.
What pre-existing condition rules apply to Singapore travel insurance?
Answer: Most travel insurance policies exclude pre-existing medical conditions unless declared and specifically covered, often for an additional premium
Standard travel insurance typically excludes claims related to pre-existing medical conditions. Some insurers offer coverage for declared conditions at an additional premium after underwriting assessment.