Tokio Marine’s TM Xplora Plus travel insurance is sold in two plans. Premier pays up to S$500,000 for overseas medical expenses and Classic up to $300,000, for insured persons below 70. This Tokio Marine travel insurance review is shorter than our others, and comes with a caution about how current the figures are.
We could read the brochure and policy wording hosted on Tokio Marine’s website, dated September 2024 and August 2024. The same site also hosts documents for a newer Tokio Marine travel policy, TM Travel Trust, dated January 2026, summarised below. We could not load the product pages to confirm which policy is on sale. Treat the figures below as what those documents say, as at November 2026, and confirm them with Tokio Marine before buying.
The short version: TM Xplora Plus is a two-plan policy with adventure activities built in, including trekking up to 4,500 metres. It accepts travellers up to age 79, excludes pre-existing conditions, and its top medical limit of $500,000 is lower than several rivals’ top plans.
Tokio Marine Travel Insurance Plans and Main Limits
The policy is underwritten by Tokio Marine Insurance Singapore Ltd. Limits are per insured person, per trip, from the summary of benefits in the September 2024 brochure.
| Benefit | Premier | Classic |
|---|---|---|
| Medical expenses overseas, below 70 | $500,000 | $300,000 |
| Medical expenses overseas, 70 to 79 | $250,000 | $150,000 |
| Emergency medical assistance and evacuation, below 70 | $1,000,000 | $500,000 |
| Emergency medical assistance and evacuation, 70 to 79 | $500,000 | $250,000 |
| Trip cancellation | $10,000 | $5,000 |
| Trip curtailment | $15,000 | $7,500 |
| Personal baggage and effects | $7,500 | $5,000 |
| Baggage delay ($200 per 6 hours) | $1,200 | $600 |
| Travel delay overseas ($100 per 6 hours) | $1,000 | $600 |
| Accidental death and permanent disablement, below 70 | $300,000 | $200,000 |
A child on a family plan has $150,000 (Premier) or $100,000 (Classic) of overseas medical cover.
Two features of the table are worth noting.
Curtailment exceeds cancellation. Premier pays more for cutting a trip short ($15,000) than for cancelling it ($10,000). Many policies set the two equal.
Seniors keep half, not a fraction. From 70 to 79, the medical and evacuation limits are half the under-70 figures. Compare with other insurers in travel insurance for seniors.
A worked example on baggage delay
Your checked bag arrives 14 hours late overseas. The benefit pays $200 for each full six hours, so two blocks: $400 on either plan. Classic’s $600 cap is reached at 18 hours, Premier’s $1,200 cap at 36 hours.
Tokio Marine’s Newer Plan: TM Travel Trust
TM Travel Trust’s January 2026 brochure lists three plans, Premier, Classic and Standard. The main differences from TM Xplora Plus:
- Overseas medical: $500,000, $300,000 and $175,000 below 70, and $250,000, $150,000 and $75,000 from 70 to 89.
- Age: single trip cover for adults aged 18 to 89 next birthday; annual cover up to 79.
- Pre-existing conditions: an optional extension on Premier and Classic, for single trips of up to 30 days and travellers up to 75. It pays up to $250,000 (Premier) or $150,000 (Classic) for overseas medical bills below 70, with a $100 excess per outpatient visit, and 50% co-payment on cancellation claims.
- COVID-19: named limits, including overseas medical cover of $200,000, $100,000 and $50,000 below 70.
- Trip cancellation: $10,000, $5,000 and $2,500.
Trekking stays covered up to 4,500 metres in the Travel Trust wording. Ask Tokio Marine which of the two policies you are being offered.
Adventure Sports, Epidemics and Pre-Existing Conditions
Adventure sports. The brochure lists “Adventure Sports Cover” as covered on both plans. The policy wording’s definition includes:
- hiking or trekking up to 4,500 metres above sea level;
- scuba diving not beyond 30 metres, if you hold a PADI certification and are accompanied by a qualified divemaster;
- helicopter or hot air balloon rides for sightseeing.
The wording excludes mountaineering that needs climbing equipment or ropes, and trekking above 4,500 metres. A 4,500-metre ceiling is higher than the 3,000 metres common elsewhere, which matters for routes in Nepal and Peru. See travel insurance for hiking and trekking and travel insurance for scuba diving.
Epidemics and COVID-19. The brochure describes cover for medical emergencies “due to selected epidemic”, while its main exclusions list epidemic or pandemic “unless otherwise stated”. The wording covers some cancellation and curtailment events tied to an epidemic or pandemic diagnosis or quarantine order. The documents do not name a single COVID-19 limit, so ask Tokio Marine how a COVID-19 claim would be handled.
Pre-existing conditions. Excluded. There is no add-on in the documents we read. If you need this cover, start with travel insurance for pre-existing conditions.
Age Limits, Single Trip and Annual Cover
- Age: the insured adult must be 18 to 79 years of age next birthday.
- Single trip: up to 183 consecutive days.
- Annual cover: each trip up to 90 days.
- Family cover: a child is under 21, or 21 to 25 if studying full-time. On a single trip family plan, the family must travel and return together.
- Zones: Zone A covers named Asia-Pacific countries. Zone B is the rest of the world, with some countries excluded.
For single trip cover, the brochure says no premium is refunded once cover has started.
Exclusions Worth Knowing
From the brochure’s main exclusions and the wording:
- Pre-existing and congenital conditions.
- Pregnancy or childbirth, apart from a limited pregnancy-related medical benefit.
- Mental or nervous disorders and sexually transmitted diseases.
- Manual work, offshore or mining work.
- Travel against medical advice or for the purpose of treatment.
- Treatment in Singapore without seeing a doctor overseas, unless you seek it within 48 hours of arriving back.
- Trip cancellation timing. The benefit applies to covered events within 60 days before the trip starts, and postponement within 30 days.
- Late purchase. If you buy less than seven days before departure, cancellation and postponement claims are limited to death, serious injury or sickness, or quarantine, and travel agency insolvency is not covered.
Our guide to trip cancellation cover explains how these windows work.
How Claims Are Filed
Tokio Marine publishes a travel claims process page and a TM Xplora claim form. We could not load the claims page, so we cannot confirm whether claims can now be filed online.
What the policy wording shows: written notice with full details is due within 14 days after the trip ends, or within 48 hours of an accident causing death or disablement, if practicable. The August 2024 wording asks for claims by email to the address it lists. Loss or theft must be reported to the police or a relevant authority, such as the hotel or airline, within 24 hours. Confirm the current claims address with Tokio Marine before you travel.
Who It Does Not Suit, and How To Compare
- Travellers aged 80 and above, on TM Xplora Plus. TM Travel Trust accepts single trip travellers up to 89.
- Travellers with pre-existing conditions.
- Anyone wanting more than $500,000 of medical cover.
- Buyers who want every term confirmed online before purchase. Until you can see the current documents, you are relying on 2024 versions.
Our comparison of travel insurance in Singapore sets published limits side by side.
What To Do Next
- Ask Tokio Marine, or your intermediary, for the current TM Xplora Plus brochure and policy wording, and check the dates.
- Compare the limits in your copy with the table above.
- Size the medical limit with our guide to travel insurance medical coverage.
- Confirm the claims deadline and the treatment of COVID-19 in writing.
- Read when to buy travel insurance before paying a deposit.
This article is general information, not advice.
