DirectAsia travel insurance is a single plan called Voyager, with S$500,000 of overseas medical cover, $1 million of emergency evacuation cover and trip cancellation cover you can set up to $20,000. This DirectAsia travel insurance review finds one unusual feature: the medical limit is the same at every age, including for seniors aged 71 to 80.
In place of tiers, you adjust the plan with optional benefits. Pre-existing conditions are not covered, and skiing and diving need an add-on. Figures are from DirectAsia’s product, plan limits and claims pages and its policy wording (version TR/ver1/16062026), as at November 2026.
The short version: Voyager keeps $500,000 of medical cover for travellers in their seventies, where many plans cut the limit sharply. It has no pre-existing cover, a $500 per-item baggage limit, and no adventure cover unless you add it.
DirectAsia Travel Insurance Limits on the Voyager Plan
The policy is underwritten by Auto & General Insurance (Singapore) Pte. Limited, trading as DirectAsia Insurance.
| Benefit | Voyager limit |
|---|---|
| Overseas medical expenses, all ages | $500,000 (optional upgrade to $750,000) |
| Emergency medical evacuation and repatriation | $1,000,000 |
| Trip cancellation and disruption | Adjustable, up to $20,000 |
| Travel delay and other inconveniences | $50 per 3 hours, up to $1,000 |
| Delayed baggage overseas | $50 per 3 hours, up to $1,000 |
| Belongings | $5,000 in total, $500 per article |
| Laptops and electronic devices | $1,000 in total |
| Medical expenses in Singapore after return | Up to $20,000 |
| Accidental death and permanent total disability | $300,000 |
| Personal liability | $1,000,000 |
The $1,000 travel inconvenience limit is shared across travel delay, trip diversion, missed connections and overbooked transport.
A worked example on delay
Your flight out of Singapore is delayed by 10 hours. The benefit pays $50 for each full three hours, so three blocks: $150. To exhaust the $1,000 limit, the delay would have to last 60 hours.
Cancellation cover you size yourself
Most insurers fix the cancellation limit by tier. DirectAsia lets you choose it, up to $20,000. The sensible reference point is your own non-refundable cost: flights, prepaid hotels and tours.
Timing matters. DirectAsia’s page says trip cancellation and postponement cover requires the policy to be bought at least 72 hours before departure. Our guide to trip cancellation cover explains the accepted reasons.
Optional Benefits, Including Adventure Cover
DirectAsia’s plan limits page lists five optional covers:
- Medical cover upgrade: raises overseas medical from $500,000 to $750,000.
- Adventure cover: extends the medical, evacuation and accident benefits to listed adventure activities.
- Sports equipment: up to $2,000 for damage, loss or theft, with $100 a day for replacement rental.
- Special events: up to $2,500.
- Rental car excess: up to $5,000.
What adventure cover changes. DirectAsia says scuba diving and skiing are not covered on the base plan, regardless of how many days you ski. Shallow, calm-water snorkelling is covered without the add-on.
Three conditions apply to covered activities: a reputable, licensed operator with proper safety equipment, following the operator’s instructions, and taking part for leisure, not competition. Trekking above 4,000 metres is excluded even with the add-on, and the cover cannot be added after departure.
The policy wording fills in two limits. On the base plan, hiking, mountaineering or trekking above 1,500 metres is excluded unless Adventure Cover applies. With the add-on, scuba diving is covered to 30 metres with a diving school or qualified instructor. See travel insurance for scuba diving and travel insurance for hiking and trekking.
Pre-Existing Conditions and COVID-19
Pre-existing conditions. Not covered, and there is no optional benefit for them. The definition uses a 12-month look-back before the trip starts and includes symptoms you were aware of. For plans that do cover them, see travel insurance for pre-existing conditions.
COVID-19. Listed as a default feature under “communicable diseases”, with no add-on needed. The page does not give a separate limit. The policy wording excludes COVID-19 claims if an insured person, travel companion or family member is not fully vaccinated under prevailing Singapore regulations, or if entry requirements such as tests were not met. It does not pay for diagnostic tests.
Age Limits, Single Trip and Annual Plans
- Adults: 18 to 70. Seniors: 71 to below 81. Children: from 15 days old to below 18.
- Annual plan: unlimited trips in 12 months, each up to 90 consecutive days.
- Auto-renewal: annual policies renew automatically unless you opt out at least 35 days before expiry, by online form, email or phone.
- Single trip: the policy wording defines a trip as lasting at most 90 consecutive days, and a trip must start and end in Singapore.
The flat $500,000 medical limit is the point of interest for older travellers. Our guide to travel insurance for seniors shows how other insurers treat age 70 and above.
Exclusions and How Claims Are Filed
- Pre-existing conditions.
- Skiing, diving and other adventure activities without the add-on.
- Excluded destinations. DirectAsia’s page lists countries left out of the worldwide plan, including Afghanistan, Iran, Myanmar, North Korea, Syria and Ukraine. The policy wording’s list differs slightly: it names Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson rather than all of Ukraine, and does not name Myanmar. Ask DirectAsia which applies to your trip.
- Dated known events. DirectAsia publishes a table of destinations with the date from which related claims are excluded.
- Late purchase for cancellation cover, inside 72 hours of departure.
- Treatment in Singapore. If you were not treated overseas, your first treatment must be within 48 hours of returning, with a one-time $30 excess. Follow-up treatment is covered for up to 30 days after you return.
How claims are filed
Claims are made with the online travel claims form in DirectAsia’s portal, where you upload documents for each claim type. Proof of travel is needed for every claim. Theft needs a police report within 24 hours.
DirectAsia asks to be notified within 30 days. Its claims page shows weekday office hours for the claims hotline but also describes a 24-hour line, so confirm the hours before you rely on them. A separate overseas emergency number is listed.
Who It Does Not Suit, and How To Compare
- Travellers with pre-existing conditions.
- Anyone wanting a medical limit of $1 million or more.
- Travellers aged 81 and above.
- Trips longer than 90 days.
- People carrying single items worth more than $500.
- Annual plan holders who forget renewals. Diarise the opt-out.
Our comparison of travel insurance in Singapore sets these limits beside tiered plans.
What To Do Next
- Add up your non-refundable trip costs and set the cancellation limit to match.
- Check whether $500,000 is enough for your destination with our guide to travel insurance medical coverage.
- Download the Voyager policy wording and read the general exclusions, including the activity list and the excluded countries.
- Buy at least 72 hours before you fly. See when to buy travel insurance.
Check DirectAsia’s page for current premiums. This article is general information, not advice.
