1. Budget Direct Insurance
  2. /
  3. Travel Insurance
  4. /
  5. FAQs

Frequently Asked Questions

Here are answers to some useful questions. If there’s anything else you’d like to ask, just give us a call at 6221 2111. We’re open Mondays to Fridays, 8am to 8pm and Saturdays, 9am to 3pm (excluding public holidays).

Get a Quote

img space

travel-hover

Frequently Asked Questions

Get a Quote
Bring  A Buddy

We’re giving away free travel insurance!

Hurry! Buy our annual travel insurance now and get 2 months extra cover for free. Find out more.
Bring  A Buddy

Save even more on your Single trip travel insurance!

Get a 20% discount today. Prices start from just $9. Find out more.
Bring  A Buddy

Bring A Buddy

You get S$20 in shopping vouchers for every buddy you refer and who buys an annual policy from us, and your buddy will enjoy a 5% discount on that policy. Find out more.
create travel packing list

Travel Packing List

Singapore holidaymakers! Create your own ultimate travel pack list in seconds with this fab interactive guide. Take the stress out of packing. Find out more.

Cover

What should I do if I have a medical emergency overseas?

If you have a medical emergency overseas, contact us immediately. When you buy your policy, you will receive an SMS and your policy documents by email, detailing the emergency assistance numbers. You can call any time, from anywhere in the world.

If you require hospitalisation, emergency transport or need to return to Singapore urgently, you must contact us as soon as possible.

If you incur medical expenses on your trip, keep copies of all receipts and details of any costs incurred and treatment received. For more information refer to our Travel Insurance Product Disclosure Document

Will my insurance cover me if I travel overseas to get medical treatment?

We only cover people who are travelling overseas for business or on holiday. We don’t cover travel for the purpose of getting medical treatment.

Will my insurance cover me if I have to go into hospital when I’m overseas?

Yes, we will help cover the cost of your necessary medical, surgical, hospital and dental treatment due to an accident or sickness suffered during the period of insurance. The amount we cover will be up to the limit shown on your Policy Summary.

Does my policy cover dental treatment whilst overseas?

Yes, we will help cover the cost of emergency dental treatment due to an accident covered under your policy. The amount we cover will be up to the limit shown on your Policy Summary.

Am I covered if I see a chinese medicine practitioner or a chiropractor?

Yes, when you purchase our Comprehensive cover, we will help cover the costs of necessary treatment by a chinese medicine practitioner or chiropractor due to an accident or sickness suffered during the period of insurance. The amount we cover will be up to the limit shown on your Policy Summary.

Am I covered for trip cancellation if I become seriously sick or injured after purchasing travel insurance, but before I leave on my trip?

Provided you were not aware of any symptoms of the sickness or injury prior to buying your travel policy, then you may be covered for transportation and accommodation costs incurred if you have to cancel the trip.

You will need to provide us with a written report on the said medical condition from a medical practitioner - confirming that it is a serious sickness or injury.

You will not be covered for any pre-existing medical conditions.

Are my children covered on my Family Plan policy?

Yes, if you named them under the Family Plan policy at the time of purchase. This Family Plan covers up to 2 adults travelling with up to 4 children. The children must be related to at least one of the adults.

I am a single parent. Can I cover my boyfriend on the Family plan for travel insurance?

Yes, you and your boyfriend and children will be covered on our Family plan so long as you’re one of the travelling adults plus a child is present including nephew/cousin/grandchild.

Myself and my son are travelling together. Do we need Family travel insurance?

We suggest you take out our Group plan as you will enjoy a better discount. We recommend that all families with just two members take out our Group plan.

I want to travel for 5 months. What travel insurance should I take out?

You should take out our Single trip cover. This covers you for one long trip lasting up to approximately 6 months (182 days). Otherwise our Annual policy covers you up to 90 days per trip (up to 3 months.)

Is cover provided for high-value personal items such as personal computers, laptops, video recorders and cameras?
Am I covered for skiing and snowboarding?

As part of your standard travel insurance with Budget Direct Insurance, leisure skiing and snowboarding on marked slopes with or without an instructor is covered by your policy.

Off-piste skiing is not covered by your travel insurance.

What if I get too sick to continue my travel?

If you are unable to continue travelling and are forced to shorten your trip due to you suffering from a serious sickness or injury, we will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee).

What if someone in my family become seriously ill while I am overseas and I am forced to shorten my trip?

If you are unable to continue travelling and are forced to shorten your trip due to death, serious sickness or serious injury suffered by you, your family member or travelling companion, we will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). We will also pay for reasonable transport expenses (for air, sea or land travel on economy class) for your return to Singapore.

Will I be covered if I unexpectedly suffer an injury, sickness or I'm hospitalised whilst overseas?

Yes, we will pay for the reasonable expenses paid by you to a medical practitioner, hospital and/or ambulance for emergency medical or surgical treatment, hospital charges and/or ambulance hire as considered necessary by a medical practitioner for you to be treated while overseas, up to a period of 60 days from the date of your first treatment or up to the limit shown on your Policy Summary, whichever is reached first.

We will also pay for the reasonable expenses paid by you to a specialist for medical treatment, only if the specialist medical treatment is considered necessary by a medical practitioner and has been referred by a medical practitioner (excluding dental treatment).

Does my policy cover dental treatment whilst overseas?

Yes, we will only pay the necessary emergency dental treatment expenses incurred outside Singapore to replace sound and natural teeth or a fractured jaw at the direction of a medical practitioner as a result of injury suffered by you during the trip. The maximum amount we will pay under this overseas accidental dental expenses benefit is shown on your Policy Summary. The overall compensation payable under the overseas medical expenses benefit (including the overseas accidental dental expenses benefit) shall not exceed the limit shown on your Policy Summary.

Dental treatment resulting from tooth, gum or oral diseases, or from the normal wearing of your teeth is not covered.

Can I seek specialist medical treatment while overseas?

Yes, we will pay for the reasonable expenses paid by you to a specialist for medical treatment, only if such specialist medical treatment is considered necessary by a medical practitioner and has been referred by a medical practitioner (excluding dental treatment).

If I visit a doctor after I return to Singapore, will my policy cover me for the medical expenses incurred?

Yes, if you suffer an injury or sickness during your trip while overseas and need to get treatment when you return to Singapore, we will pay for the reasonable expenses paid by you to a medical practitioner, hospital and/or ambulance service for medical or surgical follow-up treatment, hospital charges and/or ambulance hire (in relation to that injury or sickness) in Singapore considered necessary by a medical practitioner.

If you did not get medical treatment when you were overseas, you must do so in Singapore within 48 hours of your return. We will only pay for the treatment you receive during the period of 30 days from the date of your first treatment in Singapore or up to the limit for this cover shown on your Policy Summary, whichever is reached first.

If you had received medical treatment overseas, we will pay for you to continue receiving treatment in Singapore, during the period of 30 days from the date you return to Singapore or up to the limit for this cover shown on your Policy Summary, whichever is reached first.

If I am hospitalised overseas, can my family members visit me?

Yes, if you suffer an injury or sickness while on a trip and you have to be hospitalised overseas for at least 3 complete days, or your medical condition does not allow you to return to Singapore for medical treatment. If no adult family member is with you during your stay in the hospital, we will pay for reasonable transport expenses (for air, sea or land travel, on economy class) and accommodation expenses (for a standard room). This is for one family member or travelling companion to travel and stay with you until you are confirmed medically fit by a medical practitioner to continue with your trip or to return to Singapore, or for up to 30 days from the date the trip ends, whichever is reached first.

If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

Yes, if during the trip, you are confined in a hospital overseas:

  • as a result of sickness or accidental injury;
  • within 30 days of the sickness or accident causing the injury; and
  • such confinement is considered medically necessary by a medical practitioner,

we will pay you the amount for this cover as shown in your Policy Summary. The amount will be paid for each complete day (24 consecutive hours) of confinement from the time you are confined and up to the limit for this cover shown on your Policy Summary. Every complete day of confinement shall be counted towards the total number of days of confinement even if the days do not run consecutively.

Can I seek medical treatment from a Chinese medicine practitioner or chiropractor instead of medical practitioner?

Yes, if you unexpectedly suffer an injury or sickness while overseas, we will pay for the necessary and reasonable expenses paid by you to a Chinese medicine practitioner or a chiropractor for treatment (whether in Singapore or overseas).

If you did not get the treatment when you were overseas, you must do so in Singapore within 48 hours of your return. We will pay for the treatment you receive during the period of 30 days from the date of your first treatment in Singapore or up to the limit for this cover shown on your Policy Summary, whichever is reached first.

If you have received the treatment overseas, we will pay for you to continue receiving treatment in Singapore, during the period of 30 days from the date you return to Singapore or up to the limit for this cover shown on your Policy Summary, whichever is reached first.

You must give us written report(s) of your medical condition from your Chinese medicine practitioner or a chiropractor (both overseas and in Singapore), together with original medical bills and receipts.

If I cannot board my flight whilst overseas due to overbooking, am I covered?

Yes, if you are not allowed to get on a form of public transport for which you had previously received confirmation, because it was overbooked, we will pay you the amount for this cover shown on your Policy Summary, except where:

  1. you have received any form of compensation; or
  2. other alternative transport arrangement was made available to you within 6 hours of the scheduled departure.

You must give us written proof of being denied boarding from the transport provider of the public transport or their handling agents.

If I missed my connecting flight due to a delay in my incoming flight, am I covered?

Yes, if you miss your travel connection because of a delay in the arrival of the scheduled public transport which you took, and had received a confirmed reservation for that travel connection, and there is no other travel arrangement available to you within 6 hours of the scheduled departure of that travel connection, we will pay you a cash benefit of S$100 for every 6 consecutive hours of delay you suffer, up to the limit for this cover shown on your Policy Summary.

You must give us written proof of your missed travel connection from the transport operator (flight, train, coach or ferry with fixed itinerary) or their handling agents.

If I am unable to travel due to work commitments and need to cancel my trip, is it covered under my travel insurance?

No, you will not be covered under our travel insurance, as we do not cover trip cancellation due to work commitments.

Will I be covered if the travel agency, transport provider or tour operator goes insolvent and my trip is cancelled?

If you have bought your Policy more than 3 days before you are due to leave but are forced to abandon your trip because the travel agency, transport provider or tour operator is no longer operating for business and they cannot provide part or all of your trip, we will pay for the transport expenses (air, sea or land travel) and accommodation expenses that you have paid and which you cannot get back (including the travel agent’s cancellation fee) up to the limit for this cover shown on your Policy Summary.

If I am involved in a road traffic accident/ theft/ robbery during my trip, am I required to report to the police?

Yes, you are required to report to the police immediately at the place of accident/ theft/ robbery and furnish us with a copy of the police report.

You may also call our 24-hour hotline at +65 6540 2199 if you need further assistance.

Can I choose the method of transport and destination of an emergency medical evacuation for myself?

No, either Budget Direct Insurance or our assistance company will arrange and decide on the most appropriate method of transport and the destination to move you to, based only on medical necessity and the severity of your medical condition.

Will I be covered if I damage a rental vehicle while overseas?

Yes, if there is a loss or damage to your rental vehicle due to an accident during your trip, we will pay for the excess or deductible of the motor insurance covering the rental vehicle and for which you are responsible for, up to the limit shown on your Policy Summary.

In order to claim, you must show that:

  • The rental vehicle is rented from a licensed rental agency and you were named as either a driver or co-driver of the vehicle; and
  • you have obtained comprehensive motor insurance when hiring the rental vehicle so that the said policy will pay for the loss or damage to the rental vehicle throughout the rental period, beyond the excess or deductible which you are responsible for.

Am I covered for acts of terrorism whilst on holiday?

Yes your policy includes cover for acts of terrorism. This includes terrorist kidnapping and hostage-taking as well. Please note, though, like most insurers we do not cover acts of terrorism, which involve the use of Nuclear, Chemical or Biological warfare (NCB).

I am going trekking. Does Budget Direct Insurance cover me?

Yes, our travel insurance policy covers you when you are trekking, provided it is for leisure and you are able to show the following:

  1. you did not venture higher than 4,000 metres above sea level during the trek;
  2. you trekked in a public place;
  3. the trek was organised by a recognised tour operator or activity provider or under the guidance and supervision of licensed guides or instructors of a recognized tour operator or activity provider; and
  4. you wore the necessary safety equipment and followed the prescribed safety procedures, rules and regulations of the licensed guides or instructors.

Managing your policy

Why do I need travel insurance?

Travel insurance helps protect you against unforeseen events whilst you’re overseas. You may need medical attention, which can become expensive if these are not covered by your travel insurance. Your health insurance may not cover your medical expenses incurred outside Singapore.

Your travel insurance will also cover you if you lose your luggage, or cancel your trip due to sickness or injury.

When should I buy my Budget Direct Insurance Travel policy?

We recommend you buy your travel insurance as soon as you’ve paid for your trip. That way you make the most of your cover as it protects you in certain situations where you may need to cancel or postpone your trip.

How do I purchase Budget Direct Travel Insurance?

You can get a quote and buy our travel insurance online at budgetdirect.com.sg or call our friendly Customer Care team at 6221 2111, Mondays to Fridays, 8am to 8pm and Saturdays, 9am to 3pm (excluding public holidays).

You can also visit us at 190 Clemenceau Avenue, #03-01, Singapore Shopping Centre, Singapore 239924. We’re open , Mondays to Fridays, 8am to 8pm and Saturdays, 9am to 3pm (excluding public holidays).

How do I pay for Budget Direct Travel Insurance?

You can pay online, over the phone, or visit us in person to pay using cash, credit card or cheque.

Once payment is complete, you'll receive an SMS and your policy documents will be emailed to you.

When do I receive my travel insurance policy documents?

We will email your policy documents to you as soon as your purchase is complete. You will also receive an SMS to confirm your cover. You can check your details straightaway to make sure they are correct.

If you're on a Single Trip policy, you'll receive your documents via email only.

If you're on an Annual policy, you can choose to either go Paperless and enjoy a discount, or have your policy documents mailed to you.

If you notice any incorrect or missing details, call our Customer Care Centre at 6221 2111.

If I change my mind and cancel the policy, do I get a refund?

You may cancel your policy by notifying us. The cancellation will take effect from the date we receive your notice. You will receive a refund of your premium as set out below:

Single Trip Cover
You will receive a full refund if your policy is cancelled before the start of your trip and as long as you did not make any claim on your policy. There will be no premium refund if we receive the notice of cancellation on or after the start date of your trip.

Annual Cover
Cancellation within the cooling-off period of 14 days from the purchase date:

  • if you cancel before the policy start date, you will receive a full refund with no cancellation fee imposed.
  • if you cancel after the policy start date, you will receive a refund of the pro-rated premium less a S$30 (before GST) cancellation fee.

Cancellation after the cooling-off period of 14 days from the purchase date:

  • if you cancel before the policy start date, you will receive a refund of the full premium less a S$30 (before GST) cancellation fee.
  • if you cancel after the policy start date, you will receive a refund of the pro-rated premium less a S$30 (before GST) cancellation fee.

If you have made a claim, there will not be any refund of premiums.

We would refund you via the same way as you have paid for your premium, e.g. if you have paid by cash or cheque, we would refund you by cheque. If you have paid by credit card, we would refund you through the same credit card.

Do I have to pay my travel insurance premiums in one lump sum or can I pay in instalments?

You can choose to pay in one lump sum, or if your premium is above S$200 then you can pay in instalments by using your DBS/POSB MasterCard or Visa credit card. Just select your preferred payment method before you pay online or over the phone with us. Choose to enjoy a 3% discount on your premium when you make a single premium payment, or simply pay your premium in 12 interest-free monthly instalments. The choice is yours.

I am paying my travel insurance policy premium by monthly instalment under an Instalment Payment Plan (IPP). What happens if I cancel the policy before the end of the policy term?

We will credit the refund of the pro-rated unused premium (“Refund Credit”) to the same credit card account, in accordance with the terms in your Product Disclosure Document. Your IPP with the bank will terminate and the balance total outstanding amount under the IPP will be set-off against the Refund Credit, and reflected accordingly in your credit card statement.

Can I make an early redemption of the IPP by settling the balance total outstanding amount owing in one lump sum?

You may do so by contacting the bank. However, please note that administrative fees may be imposed by the bank in accordance with its respective terms and conditions in the event of early redemption of the IPP (that is not due to policy cancellation). For more details, you may wish to check with your bank directly.

Can I cancel the credit card which is used for the monthly payment under the IPP?

You may do so by contacting the bank. However, please note that the balance total outstanding amount under the IPP will become payable immediately. Do also note that administrative fees may be imposed by the bank in accordance with its respective terms and conditions in the event of early termination of your credit card account. For more details, you may wish to check with your bank directly.

If I choose to pay my insurance via monthly instalments then what method of payment can I use?

If your premium is above $200 you can pay in 12 monthly instalments. At the moment this is possible using your DBS or POSB credit cards only. We don’t charge you interest for your premium if you wish to pay in instalments.

Why do you only accept DBS/POSB credit cards for instalment payment?

At the moment we only accept payment for instalment plans via DBS/POSB credit cards.

In the future we will be bringing in other banks so that our customers have more choice when it comes to paying via instalments. This is currently in the process of being organized. In the meantime, we believe that DBS/POSB banks have one of the largest market shares for consumer banking (personal accounts).

We apologise if this causes any inconvenience to any of our customers and we thank you for your kind understanding and patience on this matter.

Claims

How do I make a travel claim?

Please complete the relevant section(s) of the travel claim form and submit it together with a copy of your passport (showing clearly the departure and return dates), air ticket, boarding pass and travel itinerary and all other relevant copy or original documents within 30 days after the occurrence of the event or when you return from your trip.

You may contact us at our 24-hour hotline at 6221 2199 if you are in Singapore or +65 6540 2199 if you are overseas.

What if I am insured with multiple policies from Budget Direct Insurance, will I be able to claim for the same loss or damage under all policies?

If you have other insurance policies covering the same liability as this policy, we will only pay you our share of the claim and will not have any obligation to make any payment to you if you are entitled to seek indemnity under another insurance policy. This does not apply to the Accidental Death, Permanent Total Disablement, Overseas Hospital Confinement, Overseas Quarantine Allowance, Quarantine Allowance in Singapore, Travel Delay, Travel Misconnection, Trip Diversion, Overbooked Public Transport, Overseas Baggage Delay, Baggage Delay in Singapore, Hijack of Public Conveyance and Kidnap and Hostage covers.

If you are covered under more than one travel policy issued by us for the same trip, we will treat you as insured only under your policy which provides the highest benefit.

My documents/ reports are in a foreign language. Does Budget Direct Insurance require all documents/ reports submitted to be in English?

Yes, all documents (which are in foreign language) which you are submitting to support your claim(s) are required by Budget Direct Insurance to be translated into English by a certified translator at your own expense.