Seedly Travel Insurance Review 2024: Is it worth it?

The best travel insurance in town for all travellers, especially for families.

Great news! If you’ve always been a fan of Seedly (and SingSaver of course!), you’ll be thrilled to know that they have just launched their Seedly Travel Insurance!

Offering family-centric benefits for families with children, COVID-19 coverage and coverage for adventure sports at affordable premiums, read our extensive reviews on Seedly Travel Insurance plans to find out if they will be your next go-to travel insurance.

Summary

Seedly Travel Insurance Review

Available Only on SingSaver (This product is available for purchase only via SingSaver.)

An exclusive product created by Seedly and SingSaver that offers:

• High coverage per dollar, providing more value the further you travel.
• Extensive Covid-19-related coverage for comprehensive protection.
• Highest reimbursement for essential items, ensuring minimal inconvenience when your baggage is delayed.

Seedly Travel Insurance Promotion: Buy now to receive:

• 4 miles per S$1 spend on your premium. Valid till 1 July 2024. Travel Miles Campaign and Additional 2 Miles Travel Giveaway. T&Cs apply.
• A chance to win up to 500,000 KrisFlyer miles. Valid till 1 July 8:59 am 2024. T&Cs apply.

Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.

Table of Contents:

• Reviews for Best Travel Insurance in Seedly
• Comparing Seedly Travel Insurance to Other Plans
• Seedly Travel Insurance Plans
  • Medical Expenses and Hospitalisation
  • COVID-19 Coverage
  • Coverage for Personal Accidents
  • Coverage for Trip Inconveniences and Baggage
  • Family-Centric Benefits
• Seedly Travel Insurance Plans and Pricing
• Benefits of Seedly Travel Insurance
  • Comprehensive Medical Coverage
  • Trip Disruption Protection
  • Baggage and Personal Belongings Protection
  • Travel Assistance Services
  • Competitive Pricing with Added Benefits
• List of Seedly Travel Insurance Exclusions
• Pros and Cons of Seedly Travel Insurance
• Seedly Travel Insurance Claim
• Detailed Review of Best Travel Insurance in Seedly

Comparing Seedly Travel Insurance to Other Plans

Seedly Travel Insurance is designed to offer travellers affordability, value, and peace of mind with its comprehensive coverage options. Here's why it stands out:

1. Value for Money: Seedly Travel Insurance provides excellent value within its pricing brackets, offering substantial benefits compared to other travel insurance policies. This makes it a cost-effective choice for travellers seeking robust protection without breaking the bank.
2. Comprehensive Coverage: The policy covers a wide range of travel inconveniences, including trip cancellations, delays, and lost baggage. This ensures that travellers are well-protected against unexpected disruptions, allowing them to truly have a safe trip with confidence.
3. Emergency Support: Seedly Travel Insurance ensures that travellers have access to extensive support in case of emergencies, providing peace of mind during their journeys. Whether it's medical emergencies or travel mishaps, Seedly's coverage is designed to offer prompt and reliable assistance.
4. Enhanced Benefits for Frequent Travellers: For those who travel frequently, Seedly Travel Insurance offers additional perks such as enhanced overseas medical benefits, increased travel accident cover, personal liability coverage, and compensation for lost identification documents and personal cash. These benefits make Seedly Travel Insurance particularly attractive for frequent travellers seeking premium protection.

Seedly Travel Insurance coverage

Medical Expenses and Hospitalisation

When you purchase a travel insurance plan, it’s always good to check the coverage for medical expenses in case the unfortunate happens and you fall sick or get injured overseas.

We’ve reviewed how much coverage you’re entitled to with Seedly Travel Insurance, for adults up to 70 years old:

COVID-19 coverage

It’s always a safer bet to opt for COVID-19 coverage if you have a choice. Though it may seem like a thing of the past, knowing that you’re covered for it provides you with the peace of mind. Down with COVID-19 abroad? You can see a doctor knowing that you can claim afterwards. 

The good news is that with Seedly Travel Insurance, you won’t have to top-up additional costs to get COVID-19 coverage.

Here’s what you’re covered for:

Seedly Travel Insurance also covers Traditional Chinese Medicine (TCM) treatments. You can claim up to S$100 per visit up to a maximum of S$500 per trip.

Coverage for Personal Accidents

The unexpected can happen anywhere — and dealing with them when travelling abroad can be a whole new level of stressful.

This is when personal accident coverage can at least provide you with some financial assistance to get you through.

What’s unique about Seedly Travel Insurance is that the sum insured remains the same, regardless of whether you purchase an Individual Plan or a Family Plan, as you may realise that there is no overall benefit limit on Family Plans.

This means that children and adults get the same amount of coverage, and there is no cap on the sum insured.

Coverage for Trip Inconveniences and Baggage

If you’re faced with any trip inconveniences and require any alteration to your trip duration, know that you are sufficiently covered if you’ve opt for Seedly Travel Insurance.

The same goes if your baggage is lost, delayed or stolen. It can be very scary if you happen to lose your whole baggage while you’re overseas — it would mean not having any of your clothes and personal essentials with you, which may sometimes include your valuables.

If that happens, rest assured that you can at least get some compensation.

Family-Centric Benefits

While this Seedly Travel Insurance plan caters to the needs of all travellers, it proves particularly advantageous for families with children.

Primarily, the plan includes complimentary coverage for up to four children when selecting the Family Plan (just indicate the number of adults and kids when purchasing). This eliminates the need for additional payments to ensure coverage for your kids, unlike some other plans in the market.

Furthermore, the Child Support Grant ensures financial assistance for children in the unfortunate event of the insured individual passing away during the trip, leaving dependents behind.

An additional benefit is the Child Companion Benefit, which provides reimbursement of travel expenses for one adult to travel to the destination country and bring a child home. This benefit applies in cases where the insured sustains an injury or falls ill while abroad, resulting in hospitalisation, and is accompanied by a child who would otherwise be left unattended.

Seedly Travel Insurance Plans and Pricing

As mentioned above, Seedly Travel Insurance offers two plans:

• Travel Safe
• Travel Secure (most comprehensive)

Let’s take a look at the premiums and coverage types for each plan, and how they compare with the industry average.

Seedly Travel Safe

All figures calculated based on a single-trip travel insurance for 1 adult. The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Seedly Travel Secure

All figures calculated based on a single-trip travel insurance for 1 adult. 

The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Benefits of Seedly Travel Insurance

Comprehensive Medical Coverage

Seedly Travel Insurance provides extensive medical coverage, including COVID-19, offering financial protection for emergency medical expenses, hospital stays, and repatriation. This ensures travellers have access to necessary medical care abroad, alleviating concerns over unforeseen health issues.

Trip Disruption Protection

Seedly’s insurance also protect you with trip cancellations, delays, and interruptions coverage, ensuring you can recover costs associated with unforeseen travel disruptions. This allows you to enjoy your journey with peace of mind, feeling safe in the knowledge that financial losses and stress can be minimised

Baggage and Personal Belongings Protection

Seedly provides high coverage limits for lost or delayed baggage and personal belongings, ensuring you can replace essential items quickly and continue your trip smoothly. This feature is especially useful for handling unexpected inconveniences during travel.

Travel Assistance Services

Seedly Travel Insurance offers 24/7 travel assistance services, providing support for emergency situations, travel advice, and more. This ensures that help is always available when you need it, enhancing your travel experience.

Competitive Pricing with Added Benefits

Seedly Travel Insurance combines competitive premiums with valuable benefits, such as earning travel miles, complimentary lounge access during flight delays, and chances to win additional rewards. This makes it a cost-effective choice for frequent travellers looking for extensive coverage and added perks.

List of Seedly Travel Insurance Exclusions

• Professional sports
• Extreme sports like rafting, canoeing, bungee jumping, jet skiing etc
• Suicide or self-inflicted injuries
• Pregnancy, miscarriage, childbirth or abortion and their complications
• Epidemics or pandemics
• Pre-existing conditions
• Mental and nervous or sleep disorders
• Criminal or unlawful acts committed by the insured

For the full list of exclusions, refer to their policy wording.

Pros and Cons Of Seedly Travel Insurance

We review that Seedly Travel Insurance is a family-friendly travel insurance plan by offering complimentary coverage for children and family-centric benefits, the great thing about this plan is that it offers COVID-19 coverage, meaning you won’t have to pay extra for it!

The premiums are also generally affordable if you compare them to other travel insurance plans. Psst, make sure to always take advantage of the ongoing promotions to slash premium prices!

Though Seedly Travel Insurance offers coverage for adventure sports like scuba diving, mountaineering and hiking, these are the only sports that they cover. Extreme sports like bungee jumping, jet skiing and rafting are not included, and there’s no option to add as a rider either.

Furthermore, the plan only offers up to S$500,000 overseas medical expenses coverage for their highest-tier plan, which is lower than average compared to other travel insurance policies in the market. They do, however, offer medical expenses coverage when you arrive back in Singapore, and even TCM treatment, which some plans do not offer.

Seedly Travel Insurance Claim

If you want to make a claim, simply prepare all your documents and submit your claim at https://hlas.claim.ancileo.com/. You’ll have to include your policy number and your NRIC/passport number.

Do note that all Seedly Travel Insurance claims should be submitted within 30 days of the incident. Ensure that you provide them with your full particulars, necessary information, documents and evidence that are required. 

For more information on the relevant documents and information you need, click here.

Detailed Review of Best Travel Insurance in Seedly

Seedly Travel Safe

Seedly Travel Safe offers essential protection for travellers at a reasonable cost. This insurance plan provides up to S$200,000 in overseas medical expenses, including coverage for COVID-19. Additional benefits include up to S$5,000 for trip cancellations and interruptions, and S$5,000 for loss or damage to baggage and personal belongings. It also covers personal liability up to S$500,000. This plan includes other valuable benefits like child support grants, compassionate visit benefits, and coverage for activities like hiking and scuba diving.

Commendation: Reviews commend Seedly Travel Safe for its balance of affordability and comprehensive coverage for travel disruptions and health emergencies, whether you're travelling overseas or within Singapore.

Seedly Travel Secure

Seedly Travel Secure enhances the coverage with higher limits for those needing extensive protection. It offers up to S$500,000 in overseas medical expenses and up to S$10,000 for trip cancellations and interruptions. This insurance plan also covers personal liability up to S$1,000,000, double public transport coverage, and higher child support grants. Moreover, it provides extensive adventure coverage and reimbursement for severe weather-related disruptions, making it suitable for frequent and adventurous travellers.

Commendation: Seedly Travel Secure is perfect for frequent travellers or those engaging in adventurous activities, offering higher coverage limits and additional perks for comprehensive protection.