Allianz travel insurance in Singapore comes in Basic, Silver and Platinum plans, with overseas emergency medical cover of S$200,000, $500,000 and $1 million for travellers aged 0 to 69. All three include $1 million of emergency transportation cover. This Allianz travel insurance review explains the limits and two things buyers often miss.
First, the insurer on the policy is Tokio Marine Insurance Singapore, with Allianz Travel acting as agent and service provider. Second, delay benefits reimburse receipts, not fixed cash. Figures are from Allianz Travel’s Singapore pages and the policy wordings linked there, dated October 2023 and February 2024, as at November 2026.
The short version: Basic is a five-benefit plan with no curtailment, travel delay or accident cover. Silver and Platinum are fuller. Pre-existing conditions are excluded on all three, and medical cover from age 70 is $50,000 to $100,000.
Allianz Travel Insurance Plans and Main Limits
Limits are per insured adult, per trip, from the single trip policy wordings.
| Benefit | Basic | Silver | Platinum |
|---|---|---|---|
| Overseas emergency medical and dental, ages 0 to 69 | $200,000 | $500,000 | $1,000,000 |
| Overseas emergency medical, ages 70 and above | $50,000 | $75,000 | $100,000 |
| Emergency transportation | $1,000,000 | $1,000,000 | $1,000,000 |
| Trip cancellation | $1,500 | $5,000 | $10,000 |
| Trip curtailment | Not covered | $5,000 | $10,000 |
| Travel delay (receipts, $400 a day) | Not covered | $1,200 | $1,600 |
| Baggage loss, damage or theft | $1,000 | $3,000 | $5,000 |
| Baggage delay (receipts, after 6 hours) | $250 | $500 | $1,000 |
| Travel accident | Not covered | $100,000 | $100,000 |
Three details change how these numbers work in practice.
Children share the adult’s limits. On a family plan, the wordings say dependent children share benefits within the insured adult’s limits unless stated otherwise. Two adults with two children on Silver have $6,000 of baggage cover between the four of them, not $12,000.
Per-item baggage limits. $100 an item on Basic and $500 on Silver and Platinum, with a combined cap on high-value items of $250, $1,000 and $1,500.
Treatment after you return. Basic pays nothing for medical expenses in Singapore. Silver and Platinum cover continued treatment for up to 14 days, to $2,000 and $2,500 for those under 70.
A worked example on travel delay
Your connection is cancelled and you are stuck for 20 hours on a Silver plan. You spend $180 on a hotel room and $60 on meals. With receipts, the claim is $240, inside the $400 daily limit. Without receipts, the wording gives no fixed payout to fall back on.
Pre-Existing Conditions, COVID-19 and Sports
Pre-existing conditions. Excluded, with no add-on on these plans. The definition covers conditions you were aware of or ought to have been aware of before cover started, including symptoms that would have led a reasonable person to see a doctor. No look-back period, such as 12 months, is stated.
The exclusion extends to pre-existing conditions of a travelling companion or family member, which affects cancellation claims. See travel insurance for pre-existing conditions for plans built for this.
COVID-19. The wordings include being diagnosed with an epidemic or pandemic disease such as COVID-19 within covered illness for cancellation, curtailment, medical and transportation benefits. For continued treatment in Singapore after a COVID-19 illness, Silver and Platinum require a positive test during the trip. Allianz’s page states there is no cover for lockdowns, changes in government alert levels, or quarantine and isolation that apply to a population generally.
Sports and adventure. The Platinum wording lists extra sports benefits: $2,500 for sporting equipment, $1,000 for equipment rental, and $10,000 for sports search and rescue.
The extreme sports exclusion differs by plan. All three rule out any activity above 4,500 metres, BASE jumping and free climbing. Platinum also excludes free diving deeper than 10 metres, scuba diving deeper than 30 metres and, for uncertified divers, diving without a certified dive master.
Basic and Silver are stricter. They exclude free diving at any depth, scuba diving deeper than 20 metres or without a dive master, skydiving, bungee jumping, caving and skiing outside marked trails. Our guides to travel insurance for hiking and trekking and travel insurance for scuba diving list the questions to ask.
Age Limits, Single Trip and Annual Plans
- Single trip: up to 180 days.
- Annual multi-trip: unlimited trips in a year, each up to 90 days.
- Eligibility: Singapore citizens and holders of permanent residence or a valid work, student or dependant’s pass.
- Cooling-off: the wordings allow cancellation within 14 days of the certificate of insurance being issued.
Allianz’s pages do not state a maximum age. The wordings set lower medical limits from 70. Older travellers can compare age bands in travel insurance for seniors.
Exclusions Worth Knowing
- Pre-existing conditions, as above.
- Lockdowns and population-wide quarantine.
- High-altitude activity above 4,500 metres, and on Basic and Silver, scuba diving below 20 metres.
- Accidental death or disablement of anyone under 16 under the travel accident benefit.
- Late notice to travel suppliers. You must tell airlines and hotels within 72 hours of learning you need to cancel or cut short the trip.
- Rental cars older than 10 years or with a list price above $75,000, under the rental car excess benefit.
For the cancellation reasons insurers accept, see trip cancellation cover.
How Claims Are Filed
Claims are submitted on Allianz Travel’s online claim portal. You enter your details, choose the benefits claimed, upload photos or scans of documents and give bank details for payment.
Originals are not needed at submission, but Allianz asks you to keep them for six months. The wording sets no fixed number of days but requires notice as soon as possible, and says a claim can be reduced if a delay has prejudiced the insurer. A 24-hour emergency assistance line is listed on the site.
Who It Does Not Suit, and How To Compare
- Travellers with pre-existing conditions, or with a close relative whose health could force a cancellation.
- Families who assume each child has a separate limit.
- Basic-plan buyers who want delay or curtailment cover.
- Travellers aged 70 and above wanting more than $100,000 of medical cover.
- People who prefer fixed cash for delays.
Our comparison of travel insurance in Singapore sets these limits beside other insurers.
What To Do Next
- Check the medical limit for your age with our guide to travel insurance medical coverage.
- Open the wording for your exact plan. Each plan has its own document.
- Confirm with Allianz Travel that the wording on its site is the version you will be issued.
- Keep every receipt during a delay.
- Read when to buy travel insurance before you book.
Check Allianz Travel’s page for current premiums. This article is general information, not advice.
