HL Assurance’s travel insurance is Travel Protect360, sold in Basic, Silver, Gold and Platinum plans with overseas medical cover of S$150,000, $250,000, $500,000 and $750,000 for adults aged 70 and below. Every plan lists emergency medical evacuation as unlimited. This HL Assurance travel insurance review sets out the limits, the add-ons and where the policy is narrow.
The narrow parts are adventure activities, which need an add-on and cover only five named sports, and the Basic plan, which has no COVID-19 cover. Figures are from HL Assurance’s product page and policy wording, as at November 2026.
The short version: Travel Protect360 gives unlimited evacuation and a $1,000 travel delay cap on every plan, including Basic. Its top medical limit of $750,000 is lower than several rivals’ top plans, and trekking above 3,000 metres is excluded.
HL Assurance Travel Insurance Plans and Main Limits
The policy is underwritten by HL Assurance Pte. Ltd. Limits are per insured adult aged 70 and below, per trip, from the benefits table on the product page.
| Benefit | Basic | Silver | Gold | Platinum |
|---|---|---|---|---|
| Overseas medical expenses | $150,000 | $250,000 | $500,000 | $750,000 |
| Overseas medical, adult above 70 | $50,000 | $50,000 | $100,000 | $100,000 |
| Emergency medical evacuation (not above age 80) | Unlimited | Unlimited | Unlimited | Unlimited |
| Trip cancellation | $5,000 | $7,000 | $12,000 | $15,000 |
| Travel curtailment | $3,000 | $5,000 | $8,000 | $10,000 |
| Loss of baggage and personal effects | $3,000 | $5,000 | $7,000 | $8,000 |
| Delayed baggage ($100 per 6 hours) | $800 | $1,000 | $1,200 | $1,500 |
| Travel delay ($100 per 6 hours) | $1,000 | $1,000 | $1,000 | $1,000 |
| Accidental death and permanent disablement | $200,000 | $250,000 | $300,000 | $350,000 |
A child’s overseas medical limit is $100,000 on every plan.
The travel delay cap does not rise with the plan. A Basic buyer and a Platinum buyer both receive $100 for each six hours, up to $1,000.
A worked example on delay
Your flight is delayed 13 hours overseas. That is two full six-hour blocks, so the benefit pays $200 on any plan. With the Flight Delay add-on, the benefit pays $100 for every three hours instead: four full blocks, so $400.
Add-Ons: Pre-Existing Conditions, Sports and More
Pre-existing conditions. An optional add-on for stable, controlled conditions. HL Assurance gives asthma, diabetes and high blood pressure as examples. Limits for adults aged 70 and below:
- Overseas medical: $25,000 (Basic), $50,000 (Silver), $75,000 (Gold), $100,000 (Platinum).
- Emergency evacuation: $10,000, $20,000, $30,000 and $50,000.
Note the evacuation figure. The base plan’s unlimited evacuation does not carry over to claims caused by a pre-existing condition. Follow-up treatment in Singapore is not covered under the add-on. More in travel insurance for pre-existing conditions.
Sports Protection. HL Assurance’s FAQ says adventure activities are not covered. The policy wording’s general exclusions list white-water rafting, bungee jumping, jet skiing, parasailing, mountaineering, and trekking above 3,000 metres.
The Sports Protection add-on brings back five “covered extreme sports” done for leisure: skydiving through a licensed operator, parasailing, jet skiing, white-water rafting and bungee jumping. It also covers sports equipment up to $4,000.
High-altitude trekking and mountaineering stay excluded. See travel insurance for hiking and trekking.
Scuba diving. The wording does not exclude leisure diving under a qualified instructor if you hold a PADI or equivalent certification and stay within your certified depth or 30 metres, whichever is shallower. Compare terms in travel insurance for scuba diving.
Other add-ons include enhanced rental car excess (up to $5,000), pet boarding and loss of frequent flyer miles.
COVID-19 Cover
Basic has none. For Silver, Gold and Platinum, the page lists for adults aged 70 and below:
- Overseas medical: $50,000, $150,000 and $200,000.
- Trip cancellation: $1,000, $2,000 and $3,000.
- Curtailment: $1,000, $2,000 and $3,000.
Emergency evacuation due to COVID-19 is listed as unlimited on those three plans.
Age Limits and Trip Length
- Single trip: up to 182 consecutive days.
- Annual multi-trip: each trip up to 90 consecutive days.
- Adults above 70: lower medical limits and $50,000 of accident cover. Pre-existing condition cover does not apply above 70.
- Above 80: no emergency medical evacuation or repatriation of mortal remains.
Neither the page nor the wording states a maximum age for buying. But the wording says emergency medical evacuation and repatriation of mortal remains, and their COVID-19 equivalents, do not apply to insured persons above 80. So the unlimited evacuation in the table stops at that age. The compassionate visit benefit also pays only for a family member or friend aged 80 or below. If you or a parent are over 80, ask HL Assurance how an evacuation would be handled before you buy. Our guide to travel insurance for seniors covers what to ask.
Exclusions and How Claims Are Filed
- Pre-existing conditions, unless the add-on is bought.
- Adventure activities, beyond the five in the add-on.
- Pregnancy-related conditions.
- Travel against medical advice or to obtain treatment.
- Dental treatment, except for bodily injury.
- Treatment in Singapore if you did not see a doctor overseas: it must start within three days of return, with a $100 limit a visit.
- Named conflict zones. The product page carries a notice excluding claims from a Middle East conflict for policies issued from a stated date.
How claims are filed
Claims are filed on HL Assurance’s online claims portal, or with the original claim form and documents. The product page asks for submission within 30 days of returning to Singapore, while the claims page says within 30 days of the event, so filing within 30 days of the event meets both. Theft needs a police report within 24 hours.
HL Assurance states its timelines: acknowledgement within three business days, and a decision within seven business days after it has all the information.
Who It Does Not Suit, and How To Compare
- Trekkers and climbers.
- Basic buyers wanting COVID-19 cover.
- Travellers who want a medical limit of $1 million or more.
- People with a pre-existing condition going somewhere remote, given the $10,000 to $50,000 evacuation limit.
Our comparison of travel insurance in Singapore shows how other insurers set the same limits.
What To Do Next
- Check the medical limit you need with our guide to travel insurance medical coverage.
- List the activities on your itinerary and match each to the wording.
- Read how cancellation reasons work in our guide to trip cancellation cover.
- Buy before you travel. See when to buy travel insurance.
Check HL Assurance’s page for current premiums. This article is general information, not advice.
