UOI’s travel insurance is UniTravel, sold in Value, Plus and Pro plans with overseas medical cover of S$100,000, $250,000 and $700,000 for adults under 70. COVID-19 cover is included on all three. This UOI travel insurance review finds a plain, bundled policy with no add-on menu and no cover for pre-existing conditions.
Its limits sit below the top plans of several rivals, and the Value plan’s baggage and delay limits are small. Figures are from United Overseas Insurance’s product page, brochure, FAQ and policy wording, as at November 2026.
The short version: UniTravel includes COVID-19 cover and unlimited evacuation for under-70s on every plan. Pre-existing conditions are excluded outright, and the brochure’s headline “up to S$1,750,000” medical figure is the family total on the Pro plan, not the limit per person.
UOI Travel Insurance Plans and Main Limits
Limits are per insured adult under 70, per trip, from the policy wording’s benefits table.
| Benefit | Value | Plus | Pro |
|---|---|---|---|
| Medical, dental and other expenses overseas | $100,000 | $250,000 | $700,000 |
| Overseas medical, age 70 and above | $50,000 | $125,000 | $350,000 |
| Emergency medical evacuation and repatriation | Unlimited | Unlimited | Unlimited |
| Emergency evacuation, age 70 and above | $50,000 | $125,000 | $150,000 |
| Trip cancellation | $3,000 | $5,000 | $10,000 |
| Trip curtailment | $2,000 | $4,000 | $8,000 |
| Travel delay (per 6 hours overseas) | $500 ($50) | $1,000 ($100) | $1,500 ($100) |
| Baggage delay (per 6 hours overseas) | $500 ($50) | $1,000 ($100) | $1,500 ($100) |
| Baggage and personal effects | $1,000 | $3,000 | $6,000 |
| Accidental death and permanent total disablement | $50,000 | $100,000 | $300,000 |
Children get the same overseas medical limit as adults under 70.
Baggage is capped at $200 (Value), $300 (Plus) or $500 (Pro) for each article, pair or set. Laptops, handheld devices and mobile phones are capped at $500, $800 and $1,000.
Reading the headline figure
The brochure advertises overseas medical reimbursement “of up to S$1,750,000”. The benefits table shows where that comes from: it is the aggregate limit for a family on the Pro plan. One adult on Pro is covered up to $700,000.
An illustration: a couple and two children on a Pro family plan each have a $700,000 limit, but the family as a whole cannot claim more than $1,750,000 for one trip.
COVID-19, Pre-Existing Conditions and Adventure Activities
COVID-19. Included as a special extension. For adults under 70, the wording lists:
- Overseas medical expenses: $100,000 (Value), $150,000 (Plus), $200,000 (Pro), for treatment within 60 days of the first treatment.
- Evacuation and repatriation: $100,000, $150,000 and $200,000.
- Trip cancellation: $1,500, $2,500 and $5,000.
- Trip curtailment: $1,000, $1,500 and $2,500.
Limits for travellers aged 70 and above, and for children, are half the adult medical figures. The extension does not pay for diagnostic tests, and the COVID-19 cancellation benefit needs the policy bought at least three days before the trip starts.
Pre-existing conditions. Not covered. The definition also applies to your immediate family, which matters for cancellation claims. On an annual plan, a condition you claimed for on one trip counts as pre-existing on later trips. If you need this cover, see travel insurance for pre-existing conditions.
Adventure activities. The wording excludes trekking, including mountain trekking, above 3,000 metres and diving deeper than 30 metres. Outdoor rock climbing, abseiling, mountain biking, and rafting or kayaking above Grade 2 are also excluded.
Compare alternatives in travel insurance for hiking and trekking and travel insurance for scuba diving.
Age Limits, Single Trip and Annual Plans
- Single trip: travellers up to age 80, up to 185 days. The applicant must be 18 or over.
- Annual multi-trip: ages 18 to 75, each trip up to 90 days.
- Family plan: you, your spouse and dependent children under 18, or up to 23 if studying full-time.
- Eligibility: Singapore citizens, permanent residents and holders of a valid employment pass, work permit, dependant’s pass or long-term visit pass.
UOI’s FAQ says it widened annual plan age eligibility and added a Basic plan for annual multi-trip from January 2025. The benefits table in the wording we read, dated November 2024, shows only Value, Plus and Pro. Ask UOI for the Basic plan’s limits if you are considering it.
From age 70, Pro keeps $350,000 of medical cover, but evacuation falls from unlimited to $150,000. Our guide to travel insurance for seniors explains why the evacuation figure matters.
Exclusions Worth Knowing
- Pre-existing conditions, for you and your immediate family.
- Known events. The policy must be bought before the event was publicly reported.
- War and war-like operations. UOI’s page carries an advisory applying this to a Middle East conflict.
- Excluded destinations. Even the worldwide areas leave out Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, the Democratic Republic of Congo, Somalia and Yemen. Nepal’s absence matters for trekkers.
- One-way trips. Cover applies only to trips that start and end in Singapore.
- Travel for medical treatment.
- Refunds. A single trip policy cancelled before the trip is refunded less $25 for each insured person. Nothing is refunded once the trip has started.
Cancellation claims need one of the listed reasons, arising within 30 days before departure. See trip cancellation cover.
How Claims Are Filed
UniTravel claims are handled by UOI’s appointed claims handling agent, not an app. You complete the claim form and send it with supporting documents by email or post to the agent named in the brochure and FAQ.
The deadline is 31 days after the policy expires or you return to Singapore. For emergencies overseas, UOI lists a 24-hour assistance hotline.
Who It Does Not Suit, and How To Compare
- Travellers with pre-existing conditions.
- Anyone wanting a medical limit of $1 million or more per person.
- Travellers aged 81 and above, or over 75 for an annual plan.
- Trekkers above 3,000 metres and divers below 30 metres.
- People who prefer app-based claims.
Our comparison of travel insurance in Singapore sets UniTravel’s limits beside other insurers.
What To Do Next
- Check the per-person medical limit against our guide to travel insurance medical coverage.
- Read the benefits table in the policy wording, including the age 70 rows.
- Confirm with UOI that the wording on its site is the current version.
- Buy before any event affecting your destination is reported. See when to buy travel insurance.
Check UOI’s page for current premiums. This article is general information, not advice.
