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Frequently Asked Questions
IN THIS ARTICLE:
Transition Questions / Coverage and Benefits / Before Purchasing / After Purchasing
About the transition
In December 2024, Zurich Insurance Group acquired AIG’s global personal travel insurance and assistance businesses, including Travel Guard. This acquisition strengthens Zurich’s travel insurance capabilities and expands its global footprint.
Zurich Cover-More is the combined entity formed by bringing together Travel Guard with Zurich’s existing travel insurance businesses, Cover-More Group. It will operate globally under this umbrella.
Existing policyholders will continue to be covered and serviced in accordance with their current policy terms and conditions.
Service and support will remain unchanged and will continue to be provided by the Travel Guard team, which is part of Zurich Cover-More.
Benefit Related Questions
You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip.
Please refer to the terms and conditions in the policy wording for full details.
Travel Guard Lite does not cover post trip medical treatments in Singapore.
Please refer to the policy wording for the full list of coverages.
Travel Guard Lite does not cover post trip medical treatments in Singapore.
Please refer to the policy wording for the full list of coverages.
There are no exclusions for general business trips under Travel Guard Lite.
Please refer to the terms and conditions in the policy wording for full details.
Travel Guard Lite does not cover any claim relating to existing medical conditions.
Travel Guard Lite covers travel in, to or through Malaysia, Bintan, Batam and Tanjung Balai only.
An existing medical condition is defined as:
i) Any illness, disease, or other conditions, including symptoms, suffered by you, your travel companion or your relative, which in the one-year period before the policy issue date.
(a) First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
(b) Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
(c) Was treated by a medical practitioner or treatment had been recommended by a medical practitioner.
ii) Any congenital, hereditary, chronic or ongoing condition of yours, your travel companion or your relative which you or they are aware of, or could reasonably be expected to be aware of, before the policy issue date.
There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:
(a) Trekking route must be available to general public without restriction;
(b) The trekking activity must be organised by a recognised commercial local tour / activity
provider; and
(c) The entire trekking activity must be under the guidance, supervision of qualified guides and/or
instructors and you must follow safety procedures and instruction of the guide and/or
instructor at all times.
Please refer to the terms and conditions in the policy wording for full details.
Please contact our 24-hour emergency assistance hotline at +65 6054 3499.
Before You Buy
You can purchase Travel Guard Lite if:
i. you are ordinarily resident in Singapore (as defined under the Insurance Act 1966) with full rights to enter and return to Singapore regardless of medical status;
ii. you are returning to or intending to return to Singapore at the end of your travel; and
iii. your pre-trip arrangements must be made and paid for, and your trip must commence from Singapore.
Please note if you are above 70 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower. Please refer to the policy wording for full details.
The maximum trip period covered by Travel Guard Lite is up to 10 days.
You can purchase Travel Guard Lite from your respective travel agency.
After You Purchase
You may do so by contacting your respective travel agency before the policy effective date.
There will be no refund of premium once the policy is issued.
Extensions are not allowed after you have commenced your trip.
You can submit your claim online through our claims website (https://claims.travelguard.com/travelguard/sg).