Skip Navigation
Skip Navigation
Travel Guard® Direct

Travel insurance for customers

Current Promotions

 

Access unlimited free global Wi-Fi with successful purchase of selected AIG's Travel Guard Direct plans! For details of this promotion, please click here.


Simply purchase any AIG's Travel Guard Direct plan to earn KrisFlyer miles now during the promotion period. For details of this promotion, please click here.

Spend more on shopping, less on insurance

Specially designed with different travelling styles in mind,
AIG's Travel Guard Direct provides four plan types with varying levels of
coverage. Choose the one that best suits your travel needs. Insure,
spend and travel wisely with AIG's Travel Guard Direct!
For information on Travel Guard® that is sold through producers, please click here.

Key benefits

Unlimited emergency medical evacuation

Feel secure knowing you are covered for unlimited evacuation expenses in case of a medical emergency.

Enhanced one-way single-trip plan

Get covered for your personal belongings and travel delay even if you are travelling one-way from Singapore.

24/7 in-house global assistance and emergency internet use
 

AIG is the only travel insurer in Singapore with our own global assistance service centres in eight locations worldwide. You can get reimbursed for up to S$500 for any internet charges incurred by you to contact our emergency assistance hotline.

Cover for leisure sports

From skiing to tandem skydiving, enjoy amateur leisure activities without worries. Our Enhanced and Supreme plans also cover lost sporting equipment.

Reliable and responsive claims

We pay an average of S$30,000 in travel claims every working day. File online or call our claims hotline – our experts are ready to assist you.

Option for cruise vacation benefits

Covers for cancellations or interruptions to your cruise holiday due to covered conditions. Only applicable for selected plans.

What is covered

Benefits

Return Trip Plans

One-Way
Plan

Supreme

Enhanced  

Standard

Basic

 

Unable to commence travel (pre-departure)

Cancellation of your trip (pre-departure)

S$15,000

S$10,000

S$5,000

S$5,000

Included

Alteration of your trip (pre-departure)

S$2,000

S$1,000

S$500


-

Included

Replacement of traveler

S$1,000

-

-

-

Included

Travel cancellation due to insolvency

S$5,000

S$3,000

S$1,000

-

Included

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Overseas medical expenses

Insured person (under age 70 years)

S$2,500,000

S$1,000,000

S$200,000

S$100,000

-

Insured person (age 70 years or older)

S$200,000

S$75,000

S$50,000

S$10,000

-

Children

S$300,000

S$200,000

S$200,000

S$60,000

-

Medical expenses – woman's benefit

S$8,000

S$5,000

-

-

-

Treatment by a healthcare professional

S$750

S$500

-

-

-

Overseas emergency medical related expenses

Emergency medical evacuation and emergency medical repatriation

Unlimited

Unlimited

S$500,000

S$50,000

-

Accompanying person

S$15,000

S$10,000

S$3,000

-

-

Compassionate visit

S$10,000

S$5,000

S$3,000

S$3,000

-

Child guard

S$10,000

S$5,000

S$3,000

-

-

In-hospital cash overseas – S$200 for every 24 hours

S$50,000

S$30,000

S$10,000

-

-

In-hospital cash in Singapore – S$100 for every 24 hours

S$1,500

S$1,000

S$500

-

-

Emergency telephone and internet use

S$500

S$300

S$100

-

-

Continuing medical expenses – in Singapore

(a) For injury sustained while overseas

Insured person (under age 70 years)

S$50,000

S$25,000

S$10,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$10,000

S$10,000

S$10,000

-

-

(b) For illness sustained while overseas where emergency medical evacuation has been arranged by ATAP

Insured person (under age 70 years)

S$50,000

S$25,000

S$10,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$10,000

S$10,000

S$10,000

-

-

(c) For illness sustained while overseas where emergency medical evacuation has not been arranged by ATAP

Insured person (under age 70 years)

S$10,000

S$5,000

S$2,000

-

-

Insured person (age 70 years or older)

S$5,000

S$2,500

S$1,000

-

-

Children

S$5,000

S$2,500

S$1,000

-

-

Overseas dental expenses

Included in overseas medical expenses

Included in overseas medical expenses

Included in overseas medical expenses

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

(a) Repatriation of mortal remains or funeral expenses overseas

Unlimited

Unlimited

S$500,000

S$50,000

-

(b) Repatriation of mortal remains or funeral expenses overseas due to existing health conditions:

Insured person (under age 70 years)

S$150,000

S$150,000

- - -

Insured person (age 70 years or older)

S$75,000

S$75,000

- - -

Children

S$100,000

S$100,000

- - -
Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Early return home

S$15,000

S$10,000

S$5,000

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Individual – S$100 for every six hours

S$3,000

S$2,000

S$1,000

S$200

Included

Family – S$250 for every six hours

S$7,500

S$5,000

S$2,500

S$500    

Included

Kidnap and hostage – S$250 for every 24 hours

S$10,000

S$5,000

-

-

-

Hijack of common carrier – S$250 for every 24 hours

S$10,000

S$5,000

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Personal Liability

S$1,000,000

S$500,000

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Loss of personal baggage items

S$10,000

S$5,000

S$3,000

S$3,000

-

Item limits:

(i) Laptop computer

S$1,000

S$1,000

S$1,000

S$1,000

Included

(ii) Jewellery

S$1,000

S$1,000

S$1,000

S$1,000

Included

(iii) All other items

S$500

S$500

S$500

S$500

Included

Baggage delay

Individual – S$200 for every six hours

S$1,600

S$1,200

S$1,000

-

Included

Family – S$500 for every six hours

S$4,000

S$3,000

S$2,500

-

Included

Fraudulent use of credit card

S$3,000

S$2,000

-

-

-

Loss of travel documents

S$8,000

S$5,000

S$1,000

S$300

Included

Loss of personal money

S$300

S$200

S$100

S$100

Included

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Accidental death and permanent disablement

Insured person (under age 70 years)

S$300,000

S$200,000

S$100,000

-

Included

Insured person (age 70 years or older)

S$150,000

S$100,000

S$50,000

-

Included

Children

S$100,000

S$100,000

S$50,000

-

Included

Common carrier double cover

Insured person (under age 70 years)

S$600,000

S$400,000

-

-

-

Insured person (age 70 years or older)

S$300,000

S$200,000

-

-

-

Children

S$200,000

S$200,000

-

-

-

Children education grant (S$5,000 per child)

S$20,000

S$20,000

-

-

-

Credit card Indemnity

S$3,000

-

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Damage or loss of golfing equipment

S$1,500

S$1,000

-

-

-

Hole-in-one

S$250

S$250

-

-

-

Green fees

S$250

S$250

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Loss of sporting equipment

S$2,000

S$1,000

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Pet care – S$50 for every six hours

S$750

S$500

-

-            

-

Disruption benefit

S$750

S$500

-

-

-

Loss of home contents

S$5,000

S$3,000

-

-

-

Car rental excess charges and return

S$1,500

S$1,000

-

-

-
Please refer to the policy wording for the full terms, conditions and exclusions.

Benefits

Return Trip Plans

One-Way Plan

 

Supreme

Enhanced

Standard

Basic

 

Cruise vacation benefit

S$15,000

S$10,000

-

-

-

Please refer to the policy wording for the full terms, conditions and exclusions.

Learn more about Travel Guard Direct offerings

 

Product Enhancement

AIG is constantly listening to our customers’ feedback and making improvements to our products. We are pleased to inform you that some changes have been made to enhance AIG's Travel Guard Direct to stay relevant to customers’ needs. 

Work is already underway at AIG to enhance our Travel Guard Direct product, including covering travel delays on an ‘all-risk’ basis, i.e., the travel delay is covered provided the delay was not caused by the action(s) of an Insured Person. 

In the interim, and with immediate effect, we will be covering travel delay claims on an ‘all-risk’ basis. This applies to all travel delay notifications with an event date on or after 1 September 2018, irrespective of the policy purchase date and/or travel departure date.

Please note that the policy terms and conditions related to Section E of the Travel Guard Direct policy are still applicable, together with the clauses relating to Part 3 – General Definitions, Exclusions & Conditions. When submitting the travel delay claim, the claimant still needs to provide written proof by the Common Carrier clearly stating the reason for the delay and the period of the delay.

The existing policy wordings available on our website will continue to be valid, unless otherwise stated here. We thank you for your continuous support.

Before you buy

You must be departing from Singapore and be ordinarily resident in Singapore.

Travel Guard Direct is for travellers of all ages, with no age limit.

If you travel frequently, consider purchasing an Annual Multi-Trip Plan for greater value and convenience.

You get:

  • Cover for an unlimited number of overseas trips within the policy year (for trips of less than 90 consecutive days each).
  • Immediate coverage when you travel, without the hassle of purchasing a plan each time.
  • Choice of individual and family plans.

Note: The Family Annual Multi-Trip Plan is for you plus your spouse named in the policy schedule and your children. During the policy period, coverage will apply to you and your spouse whilst travelling independently. However, your children must be travelling with you or your spouse on the same itinerary.

The maximum period of coverage for an overseas trip is:

  • For Return Single-Trip Plan: 182 consecutive days.
  • For One-Way Single-Trip Plan: one trip during the policy period and ending one you arrive at your first overseas destination (excluding transit countries).
  • For Annual Multi-Trip Plan: 90 consecutive days for each overseas trip.

General exclusions include any loss, injury, damage or legal liability arising from:

  • Any pre-existing medical conditions, except for repatriation of mortal remains or funeral expenses overseas due to existing health conditions.
  • Participation in extreme sports and sporting activities.
  • Participation in expeditions, manual work, missionary and humanitarian travel.
  • When you are travelling against the advice of a medical practitioner.
  • Any travel in, to, or through Cuba, Iran, Syria, North Korea, or the Crimea region.

Please refer to the policy wording for the full terms, conditions and exclusions.

Buy this plan

Renew your existing AIG Annual Travel Insurance

Support

Call us

Enquiries: 6419 3000
24-hour overseas emergency assistance hotline: 6733 2552
24-hour travel claims hotline: 6224 3698

Enquire online

Send an enquiry

 

You might like

Car Insurance

Our range of plans let you choose the right cover for your needs and provide benefits like 24/7 roadside assistance and a courtesy car to help you keep on going. Learn more