Starr’s TraveLead Comprehensive travel insurance comes in Bronze, Silver and Gold plans, with overseas medical cover of S$200,000, $500,000 and $1 million for travellers aged 18 to 70. Starr’s product page shows only the top figures. The plan-by-plan limits are in the coverage summary on Starr’s quote page, which you reach after entering your trip dates.
Figures below are from that coverage summary, Starr’s product page and FAQ, and the policy specimen dated 5 August 2025, as at November 2026.
At the time of writing (November 2026), Starr’s claims and FAQ page carries a notice that the website is pending regulatory filing and cannot currently accept insurance applications. Check with Starr whether TraveLead can be bought before you plan around it.
The short version: TraveLead is a modular policy. You pick a plan, choose whether to add trip and baggage cover to the medical core, then add cover for cruises, golf, scuba diving or snow sports. Pre-existing conditions are excluded, and medical limits drop sharply above age 70.
Starr Travel Insurance Plans and Main Limits
The policy is underwritten by Starr International Insurance (Singapore) Pte. Ltd. Limits are per insured person, per trip, from the quote page’s coverage summary.
| Benefit | Bronze | Silver | Gold |
|---|---|---|---|
| Medical expenses, age 18 to 70 | $200,000 | $500,000 | $1,000,000 |
| Medical expenses, above 70 | $40,000 | $100,000 | $200,000 |
| Medical expenses, below 18 | $60,000 | $150,000 | $300,000 |
| Emergency medical evacuation and repatriation | Included | Included | Included |
| Accidental death and disablement, age 18 to 70 | $150,000 | $300,000 | $500,000 |
| Accidental death and disablement, above 70 | $40,000 | $60,000 | $80,000 |
| Trip cancellation | $5,000 | $10,000 | $15,000 |
| Trip curtailment or extension | $5,000 | $10,000 | $15,000 |
| Travel delay, specified causes | $100 per 6 hours, max $500 | $100 per 6 hours, max $500 | $100 per 6 hours, max $500 |
| Personal baggage | $3,000 | $5,000 | $7,500 |
| Baggage delay | $100 per 6 hours, max $400 | $100 per 6 hours, max $400 | $100 per 6 hours, max $400 |
The coverage summary marks evacuation and repatriation as included without stating an amount. Outpatient treatment has no separate sub-limit or cap on visits, within the overall medical limit.
Trip cover (cancellation, curtailment, delay) and baggage cover are separate sections. The quote page lets you buy the medical core alone, add either section, or take both. Check that your quote includes the sections you want.
Other points from the coverage summary and specimen:
- Follow-up treatment in Singapore after first treatment overseas: up to $15,000, $20,000 or $50,000 within 30 days of return, for ages 18 to 70, inside the medical limit.
- Follow-up treatment without seeing a doctor overseas: an add-on paying $300 (Bronze), $500 (Silver) or $1,000 (Gold), if you seek treatment within 48 hours of arriving home.
- Delays for other reasons pay $25 per 6 hours, up to $125.
- Baggage sub-limits: $400 for any one item, pair or set, $1,400 for a laptop and $1,000 for cameras, on all three plans.
- Maximum trip length: 180 days (single trip), 90 days (annual).
What Is Notable About TraveLead
Add-ons for specific trips. The specimen describes five add-ons: extended follow-up treatment, golf, cruise, scuba diving and snow sports. The scuba diving add-on, for example, pays up to $2,500 for an unrecoverable dive tour cost if a doctor certifies you unfit to dive, and up to $1,500 for equipment hire.
That add-on protects the cost of the dive trip. If you fall ill or are injured during the dive tour, it pays a proportion of the unused cost only if you were diving with an accredited instructor or guide to no more than 18 metres, or within the depth your certification allows. For how insurers treat diving injuries and depth limits, see travel insurance for scuba diving.
No age limit on single trips, but lower limits above 70. Starr’s page says a single trip plan has no age limit. Above 70, though, Gold’s medical limit falls from $1,000,000 to $200,000 and Bronze’s from $200,000 to $40,000. See travel insurance for seniors.
Leisure sports without a height or depth limit. Starr’s FAQ says the policy covers amateur hazardous sports such as skiing, scuba diving and hot air ballooning, with no restriction on height or depth. The specimen still excludes professional sport, motor racing and “self-exposure to needless peril”.
Automatic extension. Cover is extended by up to seven days if your trip is delayed for reasons outside your control.
COVID-19 cover: read the endorsement
Starr’s product page says overseas COVID-19 medical expenses of up to $100,000 and COVID-19 trip cancellation or curtailment of up to $1,000 are included.
The policy specimen’s COVID-19 endorsement is narrower. It lists medical sub-limits of $15,000 (Bronze), $30,000 (Silver) and $65,000 (Gold), on condition that you have received two vaccine doses and are not older than 65. Cover is halved for travellers under 18. Cancellation because of COVID-19 hospitalisation is listed at $250 (Silver) and $500 (Gold), and not covered on Bronze.
The coverage summary on Starr’s quote page agrees with the specimen: $15,000, $30,000 and $65,000 for COVID-19 medical bills, and $250 (Silver) or $500 (Gold) for COVID-19 cancellation. As at November 2026, the 5 August 2025 specimen is still the policy document Starr’s product page links to. Treat the product page’s $100,000 and $1,000 figures as unconfirmed: before you buy, ask Starr which limits apply and read the COVID-19 endorsement in the policy wording issued with your schedule.
The specimen also excludes denial of entry due to COVID-19, a change of travel plans out of fear of infection, and curtailment caused by border closures or government orders.
Exclusions Worth Knowing
- Pre-existing conditions. Excluded, and the specimen’s five add-ons do not include one for them. See travel insurance for pre-existing conditions for the alternatives.
- Pregnancy and childbirth.
- Professional sports and motor racing or competition.
- Excluded countries. Starr’s worldwide area leaves out Belarus, Cuba, Iran, North Korea, Russia and Ukraine.
- Delays caused by taxis, shuttles, buses, private or rented vehicles or cruise ships. The travel delay section pays nothing for these, even at the lower rate for other causes.
- Personal money cover does not apply to insured persons aged 10 or below.
- War and suicide.
- Cancellation timing. Trip cancellation pays only for listed events within 60 days before departure. Travel agency insolvency cover needs the policy bought more than three days before the trip starts.
The specimen has no altitude limit for trekking, and Starr’s FAQ says there is none. Our guide to travel insurance for hiking and trekking lists what else to look for.
Age Limits, Single Trip and Annual Plans
- Single trip: no age limit, up to 180 days.
- Annual plan: enrol up to age 70, renew up to 75, each trip up to 90 days.
- Travellers: adults from 18. Children from one month to 17.
- Family plan: one or both legal spouses and their children under 18.
All trips must depart from and return to Singapore.
How Claims Are Filed
Claims are filed online through Starr’s eClaim service. A new claim is opened for the trip, and later documents are added under the same claim number.
Written notice must be given within 30 days of the event. Starr’s page says claims are paid by PayNow. Starr’s page states that emergency assistance services must be arranged by Starr, through its 24-hour assistance line.
Who It Does Not Suit, and How To Compare
- Travellers with pre-existing conditions.
- Travellers above 70 who want a high medical limit. The most any plan pays above 70 is $200,000.
- Travellers over 65 relying on COVID-19 cover, given the endorsement’s age condition.
- Anyone heading to an excluded country.
Our comparison of travel insurance in Singapore sets published limits side by side.
What To Do Next
- Get a quote, open the coverage summary and confirm the trip and baggage sections are included.
- Compare the medical figure with our guide to travel insurance medical coverage.
- Read the COVID-19 endorsement and the general exclusions in the policy specimen.
- Add only the add-ons your trip needs.
- Buy when you book. See when to buy travel insurance and our explainer on trip cancellation cover.
This article is general information, not advice.
