Zurich Travel Insurance Review 2024 Singapore

Choosing the right travel insurance can be overwhelming, especially with numerous options available in Singapore. 

Zurich Insurance, a global insurance provider with a strong presence in Singapore, offers travel insurance plans designed to cater to different travel needs and budgets. This comprehensive review examines Zurich's travel insurance offerings for 2024, helping you make an informed decision about whether it's the right choice for your travels.

Table of contents

• Key Takeaways
• Overview of Zurich Travel Insurance Review
• Key Features of Zurich Travel Insurance
• Compare Zurich Travel Insurance Plans: Basic vs Essential vs Prestige
• Review of Coverage
• Review of Exclusions
• Who is Zurich Travel Insurance Most Suitable For
• Conclusion
• FAQs on Zurich Travel Insurance

Key Takeaways

• Multiple plan tiers offering flexible coverage options
• Competitive pricing for comprehensive coverage
• Strong medical and evacuation coverage limits
• Digital claims process with quick turnaround times
• 24/7 global emergency assistance
• Pre-existing medical conditions covered under certain plans

Overview of Zurich Travel Insurance Review

Zurich Travel Insurance in Singapore offers comprehensive protection designed for modern travellers. The insurance stands out with several distinctive features:

• FlyEasy Airport Lounge Access: Complimentary access to airport lounges worldwide in the event of flight delays, providing comfort and convenience during travel disruptions (for Essential and Prestige plans only)
• Adventurous Activity Protection: Comprehensive coverage for adventure-related activities, making it ideal for thrill-seekers and active travellers
• 24-hour Worldwide Emergency Travel Assistance: Round-the-clock support for medical emergencies, lost document assistance, and travel guidance, ensuring peace of mind wherever you are

The coverage comes in three main tiers:

• Basic Plan
• Essential Plan
• Prestige Plan

Each plan is available for single trips or annual multi-trips, with options for individual, family, or group coverage. The tiered structure allows travellers to choose coverage that best matches their travel style, destination and budget requirements.

Key Features of Zurich Travel Insurance

Comprehensive Medical Coverage

• High medical expense limits
• Coverage for pre-existing conditions (Prestige Plan)
• Emergency dental treatment
• Hospital cash allowance

Travel Inconvenience Protection

• Trip cancellation and curtailment
• Travel delay and missed connections
• Baggage delay and loss
• Travel document loss

Additional Benefits

• 24/7 global emergency assistance
• COVID-19 coverage included
• Adventure activities coverage
• Rental car excess coverage

Also read:

Best Travel Insurance with Trip and Flight Cancellation
Everything You Need To Know About Travel Insurance Compensation For Flight Delays and Cancellations

Compare Zurich Travel Insurance Plans: Basic vs Essential vs Prestige

When selecting a travel insurance plan, it's essential to understand what each tier offers. Below is a breakdown of the benefits provided by three different plans: Basic, Prestige and Essential, which is the most popular choice for travellers. Compare their features to find the right coverage for your next trip.

Review of Coverage

Zurich's travel insurance stands out for its comprehensive coverage across various areas:

Medical Coverage

• Extensive medical expense coverage
• Direct billing with overseas hospitals
• Emergency medical evacuation
• Repatriation of mortal remains

Travel Protection

• Flexible trip cancellation terms
• Natural disaster coverage
• Terrorism coverage
• Flight delay and overbooking compensation

Property Protection

• Personal belongings coverage
• Mobile device protection
• Loss of travel documents
• Emergency cash assistance

Review of Exclusions

Key exclusions to note:

1. Pre-existing medical conditions (Basic and Essential plans)
2. Extreme sports activities without prior approval
3. Travel against medical advice
4. Self-inflicted injuries
5. War and civil unrest
6. Pregnancy-related claims (except for complications)
7. Claims related to alcohol or drug abuse
8. Unauthorised extreme sports activities

Also read:

Best Travel Insurance That Does Cover Natural Disasters in 2024
The Best Travel Insurance for High Risk Country

Who is Zurich Travel Insurance Most Suitable For

Basic Plan Ideal For:

• Budget-conscious travellers
• Short trips within Asia
• Basic coverage needs
• Solo travellers

Essential Plan Ideal For:

• Regular travellers
• Family vacations
• Medium-length trips
• Balance of coverage and cost

Prestige Plan Ideal For:

• Frequent travellers
• Long-duration trips
• Luxury vacations
• Travellers with pre-existing conditions
• Family coverage needs

Conclusion

Zurich Travel Insurance offers comprehensive coverage options suitable for different types of travellers. The Prestige Plan stands out for its unlimited emergency evacuation coverage and inclusion of pre-existing conditions, making it particularly attractive for those seeking extensive protection. 

While premiums are slightly higher than some competitors, the robust coverage and reliable claims process justify the cost. The digital-first approach to claims and policy management adds convenience for tech-savvy travellers. Consider your travel frequency, destination and specific coverage needs when choosing between the three plans to ensure the most cost-effective protection for your journey.

FAQs on Zurich Travel Insurance

Q: Does Zurich travel insurance cover COVID-19? 

A: Yes, all plans include COVID-19 coverage for medical expenses and trip cancellation related to COVID-19.

Q: How do I make a claim? 

A: Claims can be submitted online through Zurich's digital portal or mobile app. Required documents include original receipts, medical reports, and police reports (if applicable).

Q: What is the claims processing time? 

A: Simple claims are typically processed within 5-7 working days, while complex claims may take up to 21 working days.

Q: Can I extend my policy while travelling? 

A: Yes, policy extension is possible before expiry, subject to approval and additional premium payment.