Travel Insurance Claims: A Hassle-Free Guide

Travel Notice: Middle East Conflict
Cut-off date and time: 28 Feb 2026, 2:40pm SGT

Due to the escalating security situation in the Middle East, customers are strongly advised to defer all travel to Israel, Iran and to countries within the Middle East (Israel, Iran, UAE, Qatar, Bahrain, Kuwait and the wider Middle East region) until further notice. Read more...

Claim Assistance Around the Clock

Have an overseas emergency and need to file a travel insurance claim? We've got you covered, 24/7.

Simply dial our travel claims hotline on 6221 2199 within Singapore, or for 24/7 international support, call +65 6047 2129 / +65 6040 2129.

We're here to assist you anytime, anywhere.

Required Documents to Make a Travel Insurance Claim

To ensure a smooth process, gather these essential documents:

Claims For Medical Expenses

• - Medical bills and receipts (original)
• - Medical reports and in-patient discharge summary (original)
• - Telephone bills related to emergency phone charges to our emergency assistance company (original)
• - Medical leave certificate(s) (copies)
• - Police or road traffic accident reports (copies)

Claims For Personal Accident/ Permanent Disability

• - Death certificate (certified true copy)
• - Proof of the relationship between the deceased and the claimant
• - Coroner’s/ post-mortem/ autopsy and toxicology reports (copies)
• - Police reports or road traffic accident reports (copies)
• - Grant of probate or letter of administration (copies)
• - Photographs of the claimant’s injury (in amputation cases)

Claims For Travel Inconveniences

• - Death certificate (certified true copy)
• - Booking invoices and receipts (originals)
• - Proof of deposit and documents showing proof of insolvency of travel/tour agency in Singapore
• - Proof of the relationship between the claimant and injured, sick, or deceased person
• - Written confirmation from travel/tour agency, airline, or other transport operators, hotels, and/or any other relevant party to whom you paid non-refundable prepaid traveling expenses (original)
• - Written confirmation from travel/tour agency, airline, or other transport operators and/or any other relevant party stating the period of delay, reasons, and remedial actions taken (original)
• - Written confirmation from travel/tour agency, airline, or other transport operators and/or any other relevant party stating the reason and amount of refund (if any) (original)

Claims For Personal Belongings

• - Police reports issued at or around the place of loss or damage within 24 hours of occurrence (original)
• - Reports issued by airlines or other transport operators, hotels, and/or any other relevant party on property irregularities (original)
• - Acknowledgment slip or confirmation from the airline or other transport operator stating the date and time the baggage was collected (original)
• - Proof of ownership of the lost or damaged item (e.g., purchase receipts or invoices) (original). In the absence of these, instruction manuals, original packaging, bank statements, and photographs may be considered.
• - Photographs of the damaged items
• - Written confirmation from the manufacturer or authorized repairer of the damaged item stating that the item is beyond economical repair (original)
• - Receipts or invoices for repair and/or parts of the damaged item (original)

Other Useful Information You May Need to Submit Your Travel Claim

• - Rental vehicle agreement (copy)
• - Police or road traffic accident reports (copy)
• - Invoice for payment of the excess or deductible under the motor insurance policy covering the rental vehicle during the rental period, and the official receipt showing payment thereof (original)
• - Witness’ accounts or other relevant details from third parties
• - Photographs related to the incident
• - Details of any solicitor that you have instructed
• - Any correspondence from third parties and their legal representatives (original/copy)
• - Fire incident report for home contents (copy)

When making a travel insurance claim, always ensure that documents are translated into English by a certified translator where applicable.

Budget Direct Travel Insurance Claims – Frequently Asked Questions

Does my travel insurance policy cover me if I unexpectedly encounter an injury, illness, or require hospitalization while abroad?

Absolutely, we provide travel insurance coverage for reasonable expenses incurred by you for emergency medical or surgical treatment, hospital fees, and ambulance services as deemed necessary by a medical practitioner to treat you while you're overseas. This travel insurance coverage extends for up to 60 days from the date of your initial treatment or until the limit indicated on your Policy Summary is reached, whichever comes first.

Moreover, we also cover reasonable expenses for specialist medical treatment, but only if such treatment is deemed necessary by a medical practitioner and has been recommended by a medical practitioner (excluding dental treatment).

Does travel insurance cover high-value personal items like personal computers, laptops, video recorders, and cameras?

Yes, we offer coverage for personal items, including those of high value. To determine the specific limits applicable to your level of travel insurance coverage, please refer to the table of benefits in the Travel Insurance Product Disclosure Document, found on page 22.

What happens if I fall seriously ill or get injured during my trip and can't continue am I covered?

In the event that a serious illness or injury prevents you from continuing your travel and you need to cut your trip short, our travel insurance has you covered. We will reimburse you for the transport expenses, whether it's air, sea, or land travel, as well as any accommodation costs you've already paid for or committed to under a contract and can't recover. This includes coverage for the travel agent's cancellation fee.

Explore our comprehensive list of travel insurance FAQs. Learn everything about travel coverage, making travel claims, and how to handle emergencies while you travel. Find out more