Ergo Travel Insurance Review 2024: Affordable & Offers Sports Coverage

Ergo TravelProtect travel insurance offers great coverage at low premiums. Though it doesn’t offer COVID-19 coverage, they make up for it with other forms of coverage including sports-related injuries, illnesses relating to pregnancy and even pet care.

I don't know about you, but ever since the festive period, there has been nothing but travelling on my mind. But after picking a travel destination, the next headache comes when you’re choosing a travel insurance plan to purchase.

Ergo TravelProtect ranks high on the list because of its competitive pricing. It offers three policy tiers — Essential, Standard and Deluxe so you can select the tier that offers the best coverage for your needs. They also offer a Basic plan, though it’s only available for selected travel destinations in ASEAN.

At low premiums, the coverage that you’re getting is pretty decent. However, one thing to note is that they do not offer travel insurance with COVID-19 coverage. Despite this, Ergo TravelProtect Insurance is still ideal for families travelling together, as they offer family plans too.

With all these factors in mind, is Ergo TravelProtect going to be your go-to travel insurance? Before you decide, it's essential to compare travel insurance options to ensure you’re getting the best coverage. 

Here’s everything you need to know in this Ergo Travel Insurance review:

Summary of Ergo TravelProtect insurance

• Extensive coverage designed to protect travellers from risks before, during, and after the trip
• Affordable single trip and annual plans, making it cost-effective for both occasional and frequent travellers
• Comprehensive coverage suitable for all types of travellers
• Ideal for family holidays with excellent family plan options
• Covers sports and adventurous activities at no extra cost

To learn more about how Ergo TravelProtect can meet your travel needs, read our full Ergo Travel Insurance Singapore review below for detailed insights and recommendations.

Table of contents:

• Ergo travel insurance plans review
• Ergo travel insurance plans and pricing
• Benefits: Ergo travel insurance Singapore review
• List of Ergo travel insurance exclusions
• Ergo insurance travel pros and cons
• Ergo travel insurance claim
• Detailed review of best travel insurance in Ergo 
• Other travel insurance provider reviews

Ergo travel insurance plans review

Ergo offers four tiers for both single-trip and annual multi-trip travel insurance — Basic, Essential, Standard and Deluxe. However, do note that the Basic plan is only available for trips to Malaysia, Batam Island and Bintan Island only. For more details, you can review the full list of benefits in the product brochure.

*Basic Plan is available for trips to Malaysia, Batam Island and Bintan Island only.

Ergo TravelProtect Basic

If you want a no-frills travel insurance plan that offers basic coverage, you can opt for the Basic Plan, but only if you’re travelling to Malaysia, Bintan and Batam. If you’re going to these places, chances are you won’t need that much coverage since you’re only going to be there for a couple of days. 

For these destinations, the Basic plan provides coverage for overseas medical expenses up to S$25,000, while medical expenses incurred in Singapore post-trip are up to S$1,000 coverage. Additionally, if your baggage is lost, you can claim up to S$1,000 and up to S$250 per single article limit. However, do note that you’re not covered for any trip cancellation or postponement.

Furthermore, prices for the Basic Plan are also not listed online. Therefore, be sure to contact Ergo directly to enquire about the rates.

Ergo TravelProtect Essential

The Essential plan also offers basic coverage, though it is definitely a tier up from the Basic Plan. Covering all travel destinations, Ergo’s Essential plan is a good travel insurance option if you just need some form of decent coverage for peace of mind while abroad. 

Some key coverages include medical expenses overseas up to S$200,000 and up to S$10,000 in Singapore post-trip. Additionally, the plan covers trip cancellation up to S$10,000 and loss of baggage up to S$3,000, with a single article limit of S$500. There is also unlimited coverage for emergency medical evacuation and medical repatriation, as well as emergency dental treatment up to S$1,000 for the Essential Plan onwards.

If you’re an adrenaline junkie, there’s also a sports equipment protector of up to S$2,000 (that applies to all plans) and an adventure activity cover.

Ergo TravelProtect Standard

The Standard plan is ideal for those who want a little more coverage than the Essential plan. With just a small top-up in premiums, you’ll be getting much more coverage that includes up to S$500,000 in overseas medical expenses, S$25,000 for medical expenses incurred in Singapore.

For unexpected events before or during your trip, your expenses will be covered up to S13,000 for any trip cancellation, S$1,000 for trip postponement and up to S$13,000 for trip curtailment overseas. Additionally, in the unfortunate event that your baggage goes missing, you can make a claim of up to S$5,000, with a single article limit of S$500.

Ergo TravelProtect Deluxe

If you’re seeking the most comprehensive coverage, then the Ergo TravelProtect Deluxe is the one for you.

This travel insurance plan offers substantial benefits, including up to S$1,000,000 in overseas medical expenses and S$50,000 in claims for medical expenses incurred in Singapore after you return home. If you’re hospitalised, you’ll receive a hospital allowance of up to S$500 per day, with a maximum of S$20,000 (S$200 for each continuous 24-hour period).

You can rest assured knowing that your trip is covered up to S$15,000 if it needs to be cancelled, up to S$2,000 for trip postponement and up to S$15,000 for any trip curtailments. Moreover, if your baggage is missing, you can claim up to S$8,000, with a single article limit of S$500. Additionally, any trip delays will entitle you to S$100 for every full six consecutive hours of delay up to S$1,000 (from Essential plan onwards).

With the Deluxe plan, you can benefit from the highest Ergo travel insurance claims available, ensuring you have the best protection throughout your journey.

Ergo travel insurance plans and pricing

When it comes to Ergo TravelProtect, it stands out for being very price competitive across all tiers. When you compare it to other travel insurance plans, Ergo’s travel insurance is one of the cheaper ones in the market. 

To help you find the ideal plan for your travel and budget needs, we’ve included pricing comparisons across different plans for one-week and annual travel coverages in our Ergo travel insurance review.

Basic plan*

*Available for trips to Malaysia, Batam Island and Bintan Island only.

**The prices for Basic plans are not available on the website, so you’ll need to call and enquire.

Essential plan

Standard plan

Deluxe plan

Ergo TravelProtect distinguishes itself with competitively priced options that cater to various travel and budgetary needs. The plans are structured into four tiers—Basic, Essential, Standard, and Deluxe—with pricing for short and long-term travels across ASEAN, Asia, and worldwide destinations. 

For instance, weekly rates for the Essential plan start at S$30 for ASEAN regions, scaling up to S$53 globally. Annually, coverage costs range from S$138 in ASEAN to S$283 worldwide. While for the Deluxe Plans, weekly rates begin at S$48 for ASEAN trips and extend up to S$84 for worldwide coverage. 

This progressive pricing model allows travellers to precisely match their coverage with their itinerary and financial preferences, offering a flexible approach to travel insurance.

Benefits: Ergo travel insurance Singapore review

Medical expenses incurred overseas or in Singapore

In the event you fall sick during your trip, any medical expenses you incur will be covered by Ergo TravelProtect, depending on the plan type you choose. If you opt for the Basic Plan, those below 70 years will be covered up to S$25,000 for select ASEAN destinations, while claims for those above 70 is up to S$10,000.

For the Deluxe plan, you are insured up to S$1,000,000 for those under 70 years old, while coverage in this plan for those above 70 is up to S$200,000.

Unlike some other travel insurance plans that don’t offer coverage for medical expenses in Singapore post-trip, Ergo TravelProtect does. You can enjoy up to S$50,000 of coverage for those below 70 years of age. This also included dental treatments due to accidents.

Emergency medical evacuation and medical repatriation

If the insured person is overseas and suffers bodily injury or sickness that requires them to be moved to another location to receive medical treatment, the mode of evacuation will be covered. This coverage has no limits for all plans, except the Basic plan that is only insured up to S$20,000.

In the event of death, repatriation of mortal remains and funeral expenses overseas will also be covered.

Sports coverage

Ergo’s travel insurance for adventure activities includes coverage for any accidents while:

• Bungee jumping
• Paragliding
• Skydiving
• Jet skiing
• Hot air ballooning
• Mountaineering under 3,000 metres
• Skiing
• Snowboarding 
• Canoeing/white water rafting (up to level three rapids)

Read the full list in the Ergo travel insurance policy wording.

Loaned and owned sports equipment is insured up to S$2,000 with a Deluxe plan, and at S$500 per item limit. If you’re a golfer, your equipment, unused green fees and hole-in-one are also covered.

24/7 Worldwide assistance

Ergo provides 24/7 customer service assistance whenever needed. Before your trip, you can call their hotline to receive information on Visa requirements, inoculation, weather updates, and exchange rate information. Additionally, they will also assist you with any emergencies or general enquiries regarding lost passports, medical emergencies, claims submissions, and other travel-related issues.

For urgent assistance during your travels, you can contact Ergo travel insurance emergency number: +65 6238 9909. 

Alternatively, for non-urgent matters, reach out via the Ergo travel insurance contact email: ergoinsurance@ergo.com.sg.

Their comprehensive support ensures that you have peace of mind, knowing help is just a call away. Whether you need to file an Ergo travel insurance claim or review and address any complaints, their dedicated team is ready to assist you.

Home protection

With Ergo, you can have peace of mind knowing your home is protected while you're away on holiday. If your home contents get stolen or damaged by fire, the Essential plan offers coverage up to S$1,000, S$2,500 for the Standard plan, and up to S$5,000 for the Deluxe plans. This includes household furniture and furnishing, clothing and personal effects.

Rental vehicle excess and return

For those needing insurance for car rental abroad, Ergo TravelProtect offers coverage under the Essential, Standard, and Deluxe travel insurance plans. In the event of a road accident while you’re overseas, you can claim up to $S500 for the Essential plan, S$750 for the Standard plan, and up to S$1,000 for car rental excess with the Deluxe plan.

Pet care

If you have a furkid in a pet hotel during your overseas trip, you can get S$50 for every six hours that your return home is delayed to cover additional kennel costs. This benefit is not available for Basic and Essential plans, but it provides coverage up to S$350 for Standard plan holders and up to S$500 for Deluxe plan holders.

List of Ergo travel insurance exclusions

The list of exclusions for this policy includes the following:

• Pre-existing conditions (including any depressive, psychological or psychiatric illness, including post-natal depression)
• Extreme sports (potholing, acing, yachting)
• Ectopic pregnancy, childbirth, including premature childbirth or stillbirth
• Abortion or miscarriage, except if related to accidental injury and not attributed to any natural causes and/or sickness relating to pregnancy or childbirth
• Travelling against Medical Practitioner’s advice
• Trip cancellation due to financial reasons
• Items taken/destroyed by customs or other officials

The full list of exclusions is available in the Ergo travel insurance policy wording.

Ergo insurance travel pros and cons

To understand how Ergo TravelProtect can meet your needs, consider their strengths and limitations. Review the Ergo insurance travel pros and cons below to make an informed decision about their offerings:

Considering Ergo TravelProtect for your next trip? Let’s dive into what stands out and where it might not meet your expectations.

One major advantage is their comprehensive family plans, providing much-needed peace of mind for family vacations. Additionally, the sports coverage included is a great benefit for adventure-loving families. However, it’s important to note that some extreme adventure sports are excluded, which might disappoint thrill-seekers.

On the other hand, having home protection coverage means you can travel without worrying about your belongings, which can significantly reduce stress. Meanwhile, for your protection overseas, Ergo offers great terrorism coverage available in the Essential, Standard, and Deluxe plans.

A significant drawback, however, is the absence of COVID-19 coverage across all plans, which is a crucial consideration given the recent events of the pandemic and ongoing health concerns. 

But, if you’re looking to take a refreshing break from the pandemic stress, Ergo offers great travel insurance for cruise vacations.

Balancing and reviewing these aspects can help you decide if Ergo TravelProtect aligns with your travel insurance needs, offering a mix of benefits and some limitations.

Ergo travel insurance claim

To make a travel insurance claim with Ergo, simply follow these steps:

Step 1: Gather required documents

Before submitting your Ergo travel insurance claim, ensure you have all the necessary supporting documents. This may include medical reports, police reports, receipts, and any other relevant documentation depending on the nature of your claim. You can contact Ergo for the full list of required documents.

Step 2: Submit your claim online

Ergo has moved to an online-only travel insurance claims process and no longer accepts physical hardcopy claims. To begin your submission, visit the Ergo claims portal. Fill in the online claim form and upload the scanned copies or photos of your supporting documents.

Step 3: Review and confirm

After uploading your documents, review all the information you have entered to ensure accuracy. Next, confirm your submission to complete the process.

Step 4: Await processing

Once your travel insurance claim is submitted, it will be reviewed by Ergo's claims team. They may contact you if additional information is needed. 

Step 5: Contact for assistance

If you need help at any stage of the claim process,  you can contact their number at +65 8940 4645 during office hours for assistance.

Detailed review of best travel insurance in Ergo 

As we've reviewed Ergo's diverse travel insurance offerings, let's summarise our insights to assist you in selecting the ideal plan for your journey.

Basic plan*

If you’re eyeing straightforward and cheap travel insurance for Malaysia, Batam, or Bintan trips, the Ergo TravelProtect Basic plan might be exactly what you need. Designed specifically for these select ASEAN destinations, this plan simplifies travel insurance down to the essentials.

With coverage that includes up to S$25,000 for overseas medical expenses and an additional S$1,000 for post-trip medical costs back in Singapore, it covers the basics quite well. However, it's worth noting what it doesn’t do — there’s no coverage for trip cancellations, rental car excess, or pet care. So, if your travel style doesn’t require those extras, you’re in luck.

This plan is particularly suited to those looking for an economical way to cover short trips where the risk is low and the need for frills is even lower. If your journey fits this mould, then the Basic Plan could be your go-to option. Otherwise, for those needing more than just the essentials, Ergo's Essential or Deluxe plans might be more appropriate.

Essential plan

For those seeking a bit more coverage than the Basic plan offers, yet still desiring affordability, Ergo’s Essential plan is a good pick. It raises the bar with a higher coverage limit of up to S$200,000 for overseas medical expenses and S$10,000 for medical costs once you're back in Singapore. 

Additionally, the travel insurance plan includes essential benefits like trip cancellation and baggage loss, ensuring a more secure and worry-free travel experience. Perfect for travellers looking for substantial protection without the premium price tag, the Essential plan strikes an excellent balance between comprehensive coverage and cost-effectiveness.

Standard plan

The Standard Plan from Ergo is particularly effective for travellers who often find themselves navigating diverse environments and unexpected situations. If you're the type to rent a car and hit the open road, the inclusion of up to S$750 for rental car excess coverage can be a game changer, reducing stress and financial risk from potential mishaps.

Additionally, this plan doesn't just look out for you; it considers your pets back home too, with thoughtful pet care coverage if you're delayed. It's a plan designed not just for travel protection but for a more holistic peace of mind.

This plan suits those who are looking for reliable insurance coverage that keeps pace with their adventurous spirits and varied itineraries. 

With Ergo's Standard Plan, you're equipped to handle whatever your trip throws your way, from city escapades to serene coastal drives, ensuring a smoother, more enjoyable travel experience.

Deluxe plan

Ergo's Deluxe Plan is the ultimate choice for travellers seeking extensive coverage across all aspects of their journeys. With a generous S$1,000,000 limit for overseas medical expenses, it's suitable for everyone from the leisure vacationer to the adventure-seeker engaging in activities like bungee jumping. 

This travel insurance plan ensures that whether your travel is for relaxation or exhilaration, you are thoroughly protected. It's a good choice for those who expect their insurance to deliver security and support in any scenario, making it a top recommendation for travellers who want peace of mind no matter where their journeys take them.

Other travel insurance provider reviews

If you’re interested in exploring other travel insurance options besides Ergo, you can check out other SingSaver reviews below to compare the best coverage and prices:

• Allianz travel insurance review
• Direct Asia travel insurance review
• FWD travel insurance review
• MSIG travel insurance review
• NTUC travel insurance review
• Singlife travel insurance review
• Tiq travel insurance review