Travel Insurance: Singapore City Essential Coverage
Article by Chris Robertson
Those who travel abroad regularly will tell you that there’s one thing you shouldn’t do without – travel insurance. Singapore travel is no different than travel to any other foreign destination – there’s always a risk that something untoward will happen, and when it does, the right travel insurance coverage can make the difference between a little inconvenience and a ruined vacation.
Travel insurance is designed to reduce the financial risk of unexpected events while you’re on holiday or a business trip. Depending on the coverage you choose, it may refund your deposit if something prevents you from making your trip to Singapore, help pay your medical expenses if you fall ill or become injured, and even help get you back home if something requires you to cut your trip short. If you’re traveling to Singapore, here are 5 reasons you should make sure that you invest in the best insurance.
Singapore is a major city, and like most urban centers, there’s always a risk of losing your wallet and all of the money in it. Travel insurance policies commonly will reimburse you for lost valuables, including cash, in the case of theft. Generally, the best insurance policies will also cover the replacement of your belongings if your luggage is lost or damaged. Finally, and perhaps most importantly, if your travel documents are lost or stolen during your trip to Singapore, insurance will reimburse you any costs associated with getting them replaced. Most travel insurance companies will also help facilitate the process so that you can get on with your holiday without worry.
Illness and accidental injuries don’t usually respect the fact that you’re on holiday. If you break a tooth, become ill, trip and fall or require medical or dental services for any reason while you’re on holiday in Singapore, insurance with health benefits will ensure that your medical care is covered. If you’re hospitalized, a good travel insurance policy will cover the cost of your hospitalization. Your travel insurance can even help in the event of little “annoyances,” such as losing your eyeglasses or accidentally knocking your prescription medication into the sink.
Sometimes you need to return home unexpectedly, either because there’s an emergency at home or because you’ve become ill or injured yourself. Most travel insurance policies include repatriation insurance, which will cover the cost of getting you back home. If the reason you need to return home is your own illness or disability, repatriation insurance will often bring a family member or friend to Singapore to make the trip back home with you so that you won’t be alone.
Travel and trip delays are another good reason for investing in travel insurance, even cheap travel insurance. Singapore is a busy, congested city, and there are often flight and travel delays. Some travel policies allow you to claim a specific amount in compensation for every 12 consecutive hours that your trip is disrupted because of flight delays. If the delay causes you to miss your travel connections and the next available transportation isn’t available for more than 8 hours, most insurance policies will compensate you for the waiting time and the inconvenience.
Finally, the possibility of trip cancellation is one of the biggest reasons that travelers choose travel insurance. Sometimes, a trip is canceled through no fault of yours – the travel company may shut down, or inclement weather or political unrest might close down travel to or from your destination. If that happens, you can claim full reimbursement from your insurance.
Singapore is a beautiful city, and a trip to Singapore is an experience to remember for a lifetime. Make sure that all your Singapore memories are good ones by investing in the best travel insurance. Singapore awaits your visit. Make sure that you’re ready to enjoy the city without worry.