UOI Travel Insurance Review 2024

United Overseas Insurance (UOI) offers comprehensive travel insurance coverage designed to protect travellers before, during, and after their journeys.

In this 2024 review, we'll examine the key features, coverage details, exclusions and pricing to help you determine if UOI travel insurance is right for your needs.

Table of contents

• Key Takeaways
• Overview of UOI Travel Insurance
• Key Features and Benefits
• Review of Coverage
• Review of Exclusions
• Review of Premiums (5-day ASEAN Trip)
• Who Is This Product Most Suitable For?
• Conclusion
• FAQs on UOI travel insurance

Key Takeaways

• Comprehensive medical coverage including COVID-19 protection
• 24/7 emergency assistance worldwide
• Competitive premiums with Silver, Gold, and Platinum plan options
• Suitable for both leisure and business travellers
• Post-trip medical coverage in Singapore

Overview of UOI Travel Insurance

UOI travel insurance provides extensive protection across multiple areas of concern for travellers, from medical emergencies to trip cancellations. Their plans are backed by United Overseas Bank (UOB), one of Singapore's leading financial institutions, ensuring strong financial stability and reliable claims processing.

Key Features and Benefits

Coverage Comparison Table

Review of Coverage

Medical Coverage

• Overseas medical expenses coverage
• Post-trip follow-up treatment in Singapore
• Emergency medical evacuation
• Repatriation of mortal remains
• 24/7 emergency assistance worldwide

Travel Inconvenience Coverage

• Trip cancellation and curtailment
• Travel delay compensation
• Baggage delay and loss
• Personal liability protection
• Travel document loss

COVID-19 Protection

• Medical expenses related to COVID-19
• Trip cancellation due to COVID-19 diagnosis
• Quarantine allowance
• Emergency medical evacuation
• Travel cancellation due to border closures

Also read: Is Travel Insurance With COVID-19 Coverage Still Necessary?

Review of Exclusions

It's important to note the following key exclusions:

1. Pre-existing medical conditions
2. Extreme sports and hazardous activities (unless specifically covered)
3. Travel against medical advice
4. Self-inflicted injuries
5. War and terrorism-related incidents
6. Travel to countries under travel advisory
7. Claims related to alcohol or drug abuse
8. Pregnancy-related complications beyond specified weeks

Also read: Best Travel Insurance Plans for Extreme Adventure Sports

Review of Premiums (5-day ASEAN Trip)

Below is a comparison of the Silver, Gold and Platinum plans, including individual premiums for a 5-day trip to Thailand and sample coverage benefits offered by each tier.

Who Is This Product Most Suitable For?

UOI travel insurance is particularly well-suited for:

• Leisure Travellers: Comprehensive coverage for vacation trips
• Business Travellers: Protection for frequent short-term travel
• Families: Family plans with child coverage
• Budget-conscious Travellers: Competitive Silver plan options

Conclusion

UOI travel insurance offers a solid combination of comprehensive coverage, competitive pricing and reliable service. The inclusion of COVID-19 coverage and 24/7 emergency assistance makes it a strong contender in the travel insurance market. 

The tiered Silver, Gold and Platinum plans provide flexibility to choose coverage that matches both budget and protection needs. While the exclusions are standard for the industry, travellers should always compare and carefully consider their specific needs and activities when choosing a plan level.

FAQs on UOI travel insurance

Q: How do I make a claim with UOI travel insurance? 

A: Claims can be submitted online through the UOI portal or by downloading and completing the claim form. Supporting documents must be submitted within 30 days of the incident.

Q: Is pre-existing condition coverage available? 

A: Generally, pre-existing conditions are not covered. However, certain plans may offer limited coverage with additional premiums.

Q: Can I extend my policy while travelling? 

A: Yes, policy extensions are possible but must be requested before the original policy expires and are subject to approval.

Q: Does the policy cover adventure activities? 

A: Basic adventure activities are covered, but extreme sports require additional coverage. Check the policy wording for specific activities.

Q: What's the maximum duration of coverage? 

A: Single-trip policies can cover up to 180 days, while annual multi-trip policies cover multiple trips up to 90 days each.