Klook Protect Travel Insurance Review 2024: Competitively Priced, High-Coverage Plan for Adventure Lovers

Klook travel insurance, called Klook Protect, is an in-house plan with adventurous sports benefits. Here's everything you need to know about this insurance.

As a leading player in the travel bookings space, it is not surprising that Klook would also incorporate travel insurance into its offerings. Why not offer a one-stop service, so customers can secure their travel insurance and book their travel itineraries with Klook Travel at the same time?

Klook Protect Travel Insurance, presently only available to those residing in Singapore, is underwritten by Zurich Insurance Company Ltd. By reviewing the coverage of the travel insurance, we determine whether Klook customers in Singapore should make this their default choice.

Summary

Klook Protect travel insurance (This product is only available for those living in Singapore)

Product information

Klook Protect travel insurance Plan covers the following:

• Up to S200,000 in overseas medical expenses
• Up to S$7,500 in travel cancellation and curtailment
• Up to S$800 in travel delay
• Covers adventurous activities
• Provides unlimited cover for emergency medical evacuations, repatriations expenses and travel assistance services

Product exceptions

• Pre-existing medical conditions
• Self-inflicted injuries or suicide
• Complications arising from pregnancy, childbirth, miscarriage (excluding accidental miscarriage), or abortion
• Activities conducted while under the influence of drugs or alcohol
• Participation in professional sports or competitions with the expectation of winning prizes
• Psychological or psychiatric disorders, including depression and anxiety
• Travelling while deemed unfit by a physician or against a physician's advice

Table of contents

• Comparing Klook travel insurance to other plans
• Klook travel insurance plans review
• Klook travel insurance plans and pricing
• Benefits: is klook travel insurance good?
• List of klook travel insurance exclusions
• Klook travel insurance pros & cons
• Klook travel insurance claim
• Detailed review of best travel insurance in klook 
• Other travel insurance provider reviews

Comparing Klook travel insurance to other plans

Klook Protect travel insurance stands out in the market by providing extensive coverage for overseas medical expenses, up to S$200,000. This substantial limit ensures that travellers have adequate protection for unexpected medical costs while abroad. Additional medical benefits include coverage for overseas hospital visits, accidental death and permanent disablement, and emergency medical evacuation. These features are crucial for ensuring that travellers receive the necessary medical care without incurring significant out-of-pocket expenses, especially in emergencies.

Their plans also address common travel inconveniences, such as trip cancellations, delays, and loss or damage of baggage.

When compared to other travel insurance plans on the market, Klook Protect offers a competitive edge with its comprehensive coverage options. Many standard travel insurance plans may offer similar benefits but often come with lower coverage limits or fewer inclusions. For instance, some plans might not cover adventurous sports or have lower limits for medical expenses and trip cancellations. Klook Protect, however, includes these critical benefits, making it a well-rounded choice for a variety of travel needs.

Moreover, Klook Protect's integration with Klook’s travel booking services provides an added layer of convenience that is hard to match. Travellers can book their flights, accommodations, activities, and insurance all in one place, simplifying the entire process. This one-stop-shop approach is particularly beneficial if you prefer a streamlined travel planning experience and you don’t want to go through the hassle of dealing with multiple providers.

If you want to know the best fit for your travel needs, compare the best travel insurance in Singapore at SingSaver.

Klook travel insurance plans review

It’s worth noting that the Klook Protect travel insurance plan is considered a single-trip trip insurance plan.

Klook insurance plans and pricing

We’ve mapped out how much Klook Protect Travel Insurance costs for a single adult traveller. Here’s what we found out.

• For a 7-day trip in Southeast Asia, the premiums for Klook Protect ranges from S$27.65 to S$43.40.
• For a 7-day trip in the Asia-Pacific region, premiums for Klook Protect ranges from S$35.70 to S$56.70.
• For a 7-day trip in Europe, Klook Protect costs between S$69.96 to S$111.30.

Benefits: Is Klook travel insurance good?

Determining whether the Klook Protect Travel Insurance is suitable for covering your travels depends on your specific needs and itinerary. However, if you are considering any of their travel insurance plans, it has benefits that are definitely worth reviewing:

Overseas medical and hospitalisation benefits

Klook Protect is no slouch in this area, offering up to S$200,000 in benefits for overseas medical expenses. This substantial coverage ensures that you have access to necessary medical care without the burden of high out-of-pocket costs.

As it is a travel insurance with COVID coverage, you will receive the same amount of benefits for hospitalisation due to COVID-19, instead of a sub-limit which is the norm with many other insurers. Granted, COVID-19 is rarely a serious disease nowadays, but it is good coverage to have for your peace of mind during travels.

In addition to covering medical expenses, Klook Protect offers a daily cash benefit for hospitalisation or quarantine due to COVID-19. This benefit ranges up to S$350 per day, with a total benefit of up to S$1,400 or S$2,100, depending on the chosen plan tier. The inclusion of this benefit is particularly valuable, as it ensures that you are financially supported during unexpected medical situations, further enhancing your overall travel experience.

Emergency evacuation and personal accident benefits

This policy provides unlimited benefits for emergency evacuation, repatriation, as well as travel assistance. These services can be beneficial if you need appropriate medical care in the event of a severe illness or injury. This added layer of protection is especially important for those engaging in high-risk activities or visiting remote destinations where medical facilities may be limited.

Moreover, the travel assistance benefits extend beyond just medical emergencies. If you or your travel companions insured under the policy are hospitalised for five days or more due to a serious illness or severe injury, the policy covers the cost of round-trip travel for a relative or friend to be by your side. This provision ensures that you have the necessary support and companionship during challenging times, alleviating some of the emotional and logistical burdens that can arise from being hospitalised far from home. The ability to have a loved one present can make a significant difference in your recovery and overall well-being.

Also included are high personal accident benefits of between S$100,000 to S$400,000, which will be helpful in allowing surviving family members to avoid financial hardship in the event of death or permanent disability.

Travel inconvenience 

Whoa, that got grim for a moment there, but it’s kinda unavoidable when discussing insurance. 

Anyway, on to travel inconvenience benefits. Klook Protect Travel Insurance offers a decently high coverage level if you have to cancel or curtail your trip – up to S$7,500 for the highest-tier plan. It also provides flight delay insurance for up to S$800. 

And you don’t have to worry about a COVID-19 sublimit, as there won’t be any. So you’ll still receive your full benefits!

Meanwhile, your luggage and personal items are covered against loss or damage up to S$2,000, S$3,000 or S$5,000. Do review the sub-limits for high-value items like laptops and cameras in your policy. 

Aside from travel and luggage mishaps, you can also report claims when you lose money while you’re travelling. There are times when we can misplace the cash we bring, so having a safety net when you’ve lost some can be beneficial. With Klook Protect, you can get up to S$500 coverage if you get the Deluxe plan.

List of Klook travel insurance exclusions

Klook Protect Travel Insurance – what does this plan exclude?

We’ve highlighted some general exclusions in Klook Protect Travel Insurance. Be sure to review the policy wording for the full list of exclusions. 

Klook Protect travel insurance does not cover:

• Pre-existing conditions
• Self-inflicted injury or suicide
• Complication of pregnancy, childbirth, miscarriage (except accidental miscarriage) or abortion
• Activities while under the influence of drugs or alcohol
• Professional sports or competitions with expectation of prizes
• Psychological or psychiatric disorder, including depression and anxiety
• Being unfit to travel, or travelling against the advice of a Physician

Klook travel insurance pros & cons

These are the pros and cons to consider before you choose to avail of the Klook Protect Travel Insurance for your next overseas vacation.

Klook Protect travel insurance is a competent insurance policy with attractive premiums. Its high claims limits and full indemnity for COVID-19 further make it a worthy option for most travellers.

However, this travel insurance covers adventure activities by default, which might make travellers hesitant if they aren’t interested in such activities. For those not planning on engaging in high-risk activities like skiing, scuba diving, or bungee jumping, this feature might seem unnecessary. But to be fair, given how competitively priced this policy is, it’s hard to pick on this too much. The inclusion of adventurous sports coverage at no extra cost can be seen as a bonus, providing extra protection for those spontaneous moments when you might decide to try something new and exciting.

It's important to note that Klook Protect travel insurance does not cover medical expenses related to pre-existing medical conditions. Travellers with chronic medical conditions who require coverage for potential medical emergencies during their trip may want to consider alternative travel insurance with pre-existing conditions coverage.

To find the best travel insurance coverage at the lowest price, compare options easily with SingSaver. You can also enjoy exclusive discounts and rewards when you purchase through SingSaver or use our promo codes. By using SingSaver, you can ensure that you are getting the best value for your money while securing comprehensive travel insurance coverage for your next trip.

Klook travel insurance claim

Follow these steps when making a claim against your Klook Protect Travel Insurance policy. For further details, refer to the Claims Guidance booklet and review our guidelines.

• Step 1: Prepare the necessary documents, including:
  • Claims from
  • Travel itinerary
  • Police report
  • Receipts and invoices
  • Hospital and medical bills
  • Personal details
  • Policy number
• Step 2: Submit your claims online at the Zurich Claims Submission Portal. Your claims will be processed and you will be informed of the outcome in due course.
  • In the event of a medical emergency, contact Zurich Assistance at +65 6260 0122.
• Step 3: For further assistance, reach out to Klook via the clams hotline hotline at +65 6260 0126.

Detailed review of best travel insurance in Klook 

After going over the coverage and weighing the overall pros and cons of the Klook Protect Travel Insurance, here is what we have to say about each plan.

Lite

If you’re planning to go on adventures for your next travel destination and want a much more cost-effective coverage, then the Klook Protect Lite would be a more suitable choice. Despite being a basic coverage option, it already offers substantial coverage for medical expenses, hospital visits, and even hospitalisation. This makes it an excellent option for budget-conscious travellers who still want to ensure they have some level of protection. 

Whether you're planning to hike in the mountains or explore bustling city streets, the Lite plan provides peace of mind without breaking the bank. It’s designed to cover the essentials, ensuring that unexpected medical issues don't turn your trip into a financial burden. The Lite plan is perfect for those who want to enjoy their adventure with the assurance that they are protected against common travel risks, all while keeping costs low.

Essential

The Klook Protect Essential plan steps up the coverage game, providing a more comprehensive safety net for travellers. With the Essential plan, you get all the benefits of the Lite plan but with higher coverage limits for medical expenses, trip cancellations, and interruptions. This can be particularly beneficial if you want the peace of mind that comes with more robust coverage without the higher cost of the Deluxe plan.

While the Essential plan does come with a higher price compared to the Lite plan, it is still worth the investment, especially if you’re planning to go on extreme adventures on your next trip. This safety net allows you to enjoy your adventurous itineraries overseas without constantly worrying about potential mishaps. Whether you're hiking in rugged terrains or indulging in water sports, the Essential plan ensures that unexpected medical expenses or trip disruptions won't ruin your experience. 

Overall, the Essential plan strikes a great balance between cost and coverage, making it a popular choice for many adventure travellers.

Deluxe

For those who want the ultimate peace of mind and are willing to invest a bit more in their travel insurance, the Klook Protect Deluxe plan is the way to go. This premium plan offers the most comprehensive coverage, making it ideal for travellers who don't want to take any chances. 

The Deluxe plan includes all the benefits of the Essential plan but with even higher coverage limits, covering up to S$200,000 for overseas medical expenses and S$2,100 for hospitalisation and quarantine expenses. Additionally, it offers higher limits for trip cancellations, interruptions, and baggage loss or damage, ensuring that you are financially protected against a variety of potential issues.

This plan is designed for those who want to ensure that every aspect of their trip is covered, no matter what happens. With the Deluxe plan, you can travel with complete confidence, knowing that you have the best possible protection in place.

Other travel insurance provider reviews

Feel free to check out our other travel insurance reviews so you can find the best one for you:

• HL Assurance Travek Insurance Review
• Singlife Travel Insurance Review
• FWD Travel Insurance Review
• Direct Asia Travel Insurance Review
• MSIG Travel Insurance Review
• Seedly Travel Insurance Review
• Sompo Travel Insurance Review
• NTUC Travel Insurance Review
• UOB Travel Insurance Review
• Singapore Airlines Travel Insurance Review
• Ergo Travel Insurance Review
• Amex My Travel Insurance Review
• Scoot Travel Insurance Review
• OCBC Travel Insurance Review
• DBS Travel Insurance Review
• Airasia Travel Insurance Review
• Allianz Travel Insurance Reviews
• Allianz Travel Hero Review
• Tiq Travel Insurance Review