AIA may be one of the big insurance companies in Singapore, but AIA’s travel insurance plans have yet to become everyone’s go-to before jetting off on their latest holidays.
Unlike many of their competitors (even the massive brand names like NTUC Income, FWD, or AIG), AIA has not really upped its travel insurance game to appeal to modern travellers that are now extremely savvy with price comparisons while waiting out for all sorts of promotions.
As you’ll see in this article, AIA travel insurance still has some way to go before they can jostle their way into the upper echelons of the best travel insurance rankings.
1. AIA Covid Travel Insurance Price
AIA’s travel insurance is called AIA Around The World Plus (II) and it comes in 3 plan tiers:
The plans can either be either a single-trip plan or an annual pas. What’s the difference between single trip and annual travel insurance? If you drive up to Malaysia often or fly out to see your girlfriend or boyfriend every few weeks, get the annual pass. If you’re just going to Bangkok for a 5-day trip and dream of travelling more, just buy the single-trip first.
The price of your AIA travel insurance largely depends on the country you’re travelling to. AIA has divided their premiums into:
- ASEAN (cheapest): Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
- Asia: Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan, Timor-Leste, and all countries listed in ASEAN
- Worldwide (most expensive): Any countries outside Singapore
Here’s a summary table of AIA’s travel insurance coverage & premiums:
|AIA Around the World Plus (II)||Classic||Deluxe||Premier|
|Medical expenses (Overseas)||$200,000||$500,000||$2,000,000|
|Emergency medical evacuation||$500,000||Unlimited||Unlimited|
|Personal accident (death, dismemberment, burn)||$150,000||$200,000||$500,000|
|Overseas travel delay ($100 every 6 hours)||$1,000||$1,000||$1,000|
|Trip cancellation (death, illness, natural disaster)||$5,000||$10,000||$15,000|
|Baggage delay ($200 every 6 hours)||$1,000||$1,000||$1,000|
|Extreme sports & general sports||No||No||No|
At $37 to $123 per week, AIA’s travel insurance is priced similarly to Sompo’s travel insurance ($52 to $132) and Great Eastern travel insurance ($65 to $118). Other super useful coverage that you will get from the AIA Around the World Plus (II) travel insurance plan includes allowance for pet hotel, pregnancy-related medical expenses, credit card fraud, and compassionate hospital visits:
- Flight diversion ($100/6 hours): Too real, I’ve been diverted to Haneda instead of Narita in Japan before. Had to disembark, take all luggages, walk all over, and take buses to Narita.
- Flight overbooking ($100/6 hours): United Airlines?
- Missed connecting flight: $200 to $500
- Travel agent closed down: $1,000 to $5,000
- Jewellery coverage: $100 to $1,000 if your jewellery gets robbed, stolen
- Credit card fraud ($1,000): Get this especially if you’re going to pickpocket hotspots like Paris where your wallet will always disappear in a jiffy.
- Kidnap and hostage: $250/day, $3,000 to $10,000
- Personal liability: $1,000,000
- Compassionate hospital visit: $5,000 to $15,000 to get a relative or friend to visit you if you’re hospitalised overseas alone
- Child protector: $3,000 to $10,000 to get a relative or friend to accompany your child back to Singapore when you’re hospitalised overseas alone
- Women’s overseas medical expenses: $2,000 to $8,000 if you get pregnancy-related sickness abroad and get medical treatment
- Complementary medical reimbursement: $100 to $500 if you come home to Singapore and get any follow-up medical treatment (within 30 days)
- Post-trip medical expenses in Singapore: $2,000 to $10,000 if you got ill overseas, and you get medical treatment in Singapore within 30 days
- Pet care: $50/6 hours, max $250 to $500 if your flight to Singapore is delayed and you’re late to fetch your pet from pet hotel
AIA’s travel insurance plan has also got one of the clearest and most user-friendly brochures.
2. AIA Travel Insurance with Covid-19 Coverage
Covid-19 coverage is automatically included in all AIA travel insurance plans.
|AIA Travel Insurance (Covid-19)||Classic||Deluxe||Premier|
|Overseas Medical Expenses||$80,000||$120,000||$150,000|
|Quarantine Allowance||$50/day, max 14 days||$80/day, max 14 days||$100/day, max 14 days|
|Emergency Medical Evacuation||$80,000||$120,000||$150,000|
|Pre-Departure Trip Cancellation/ Postponement||$1,500||$2,500||$4,000|
|Automatic Extension of Cover||Up to 30 days||Up to 30 days||Up to 30 days|
If you got Covid-19, your trip was disrupted, and your airline refunds your tickets in credits, your hotel refunds your bookings in their hotel credits, you cannot claim from your AIA travel insurance plan. That’s great if you return to, say, Seoul every year. But really bad if you don’t want the credits. You might want to hit your hotel or airline with an email to check on their Covid-19 refund policy beforehand. Singapore Airlines, for example, allows refunds if you booked a refundable fare ticket directly from SIA within their refund policy dates. Sometimes, you may also be charged a refund fee.
Children above 12 years old must be legally fully vaccinated to be covered by the plan.
3. AIA Travel Insurance: Disadvantages
- Children & Seniors: Children under 19 years old and elderly above 70 years old will have lower coverage
- Length of Holiday: 182 days per trip for Single Trip plan, 90 days per trip for Annual Multi-Trip plan
- Waiting Period: You must book your AIA travel insurance plan at least 3 days prior to your trip else you won’t be covered for any trip cancellations, postponement.
- Extreme Sports: Not covered
- Pre-existing Conditions: Not covered
- Air Miles & Hotel Reward Points: You cannot claim for your air, bus, cruise tickets etc. if you use air miles or reward points to claim those tickets.
- Medical Treatment in Singapore: If you decide to come home to seek medical treatment, you must do it within 2 days upon arrival.
- Home Country: If you’re making a single trip back to your home country for more than 30 days, medical expenses will only be claimable up to 20% of the benefit amount. If you’re on an annual multiple trip plan? No cover.
4. Does AIA Travel Insurance cover extreme sports?
AIA’s travel insurance does not cover all extreme sports and sports in general. Its exclusions are very sketchy and ambiguous, e.g. saying they don’t cover ultra-marathons, but don’t mention if they cover marathons. They say they don’t cover unpatrolled skiing, but don’t mention if they cover normal patrolled resort skiing.
How to know if bouldering, usual hot air balloon rides are covered? Rule of thumb, travel insurers like AIA typically cover recreational activities that are open to public and can be done with a licensed tour operator, guide, and instructor.
|Extreme Sports & General Sports||AIA travel insurance|
|Ultra-Marathons, Biathlons, Triathlons||No|
|Private hunting trips||No|
|Off-Piste Skiing (unpatrolled skiis)||No|
|Normal Alpine Skiing (patrolled)||Not stated|
|Private White Rafting||No for grade 4 & above|
|Ocean yatching/ Potholing||No|
|Scuba Diving||Yes (with PADI cert, qualified instructor, max 30m)|
|Motorcycle||Yes (with valid local license, wear helmet all times)|
|Mountaineering/ Outdoor rock climbing||Yes (below 3,000m)|
5. AIA Travel Insurance: Claims
Before you purchase ANY travel insurance, one thing you must consider is the ease of claim. How complicated is the claims process? Got success stories from other clients before? Are they notoriously iffy and stingy about your documents and receipts?
A quick search on forums such a Reddit showed that your AIA travel insurance claims process largely depends on the AIA insurance agent you’re buying from. According to the AIA claims website, the claims process is somewhat dated: you need to download the AIA claims form, collect all the necessary supporting documents, and contact your AIA agent to help you with submission.
Otherwise, you can email all the documents to AIA directly at [email protected]. The catch here, is obviously, that you will have to keep checking in with AIA to check on the application status and understand which claims were not eligible and… perhaps try to appeal.
AIA Emergency Hotline: If you’re overseas and ran into an emergency, call +65 6338 6200 (24/7).
AIA Hotline: If you’re overseas, call +65 6248 8000 from 8:45am to 5:30pm on weekdays. Otherwise, the AIA general hotline is 1800 248 8000.
6. AIA Travel Insurance Promotion
There are no ongoing AIA travel insurance promotions for the AIA Around the World Plus (II) plan.
However, AIA is offering a free “mini” travel insurance plan called the AIA Supercharge Travel Cover that is valid from 29 April to 30 June 2022 (travel before 31 Dec 22). You’ll need to be a Singapore resident, between 18 to 65 years old, fully vaccinated, and provide your details for AIA’s marketing use. There are only 3 coverage you will get:
- Pre-Trip Tele-ART test at discounted rate of $9
- Covid-19 Medical Expenses Overseas: Max $1,000
- Covid-19 Quarantine Allowance Overseas: $50/day, up to 5 days
- Covid-19 Death: $10,000
Not bad since it’s free, especially if you’re on an extreme shoestring budget and are not able to shell out $110+ for a comprehensive Covid travel insurance.
7. AIA Travel Insurance Review
AIA does offer some of the highest compensation limits for loss of personal items and damage to your belongings – up to $800 per item or set – so if insuring your iPad Pro, Chanel bag, and matching Rimowa luggage set is important to you, this is the plan for you.
All the usual travel-related coverage: emergency evacuation, repatriation, natural disaster-caused trip cancellation, flight delay etc. are pretty decent and will pay all your necessary bills.
However, AIA’s Covid travel insurance gives you high coverage for medical expenses, medical evacuation, and pretty decent quarantine allowance of $50 to $100/day. However, if you get Covid-19 before your trip, note that the coverage is very low from $1,500 to $4,000.
Another thing you should note is the fact that you MUST buy all AIA travel insurance via AIA agents.