Aviva Travel Insurance Singapore Review 2019

Aviva Travel Insurance Review

Most Singaporean men would be familiar with Aviva as a brand, as they’re the life insurance provider for those doing National Service. But what you might not realise is that Aviva travel insurance is pretty damn legit too.

I was pleasantly surprised. Aviva already makes loads of money from MINDEF. So why would they need to bother with their travel insurance product? Yet Aviva travel insurance is actually well thought-out and (more importantly) good value for money.

Let’s have a look at how Aviva travel insurance plans measure up and whether they’re worth buying.


Aviva travel insurance at a glance

Aviva travel insurance is sold simply in 3 tiers: Lite, Plus and Prestige. Here’s a quick and dirty comparison of the tiers.

Travel insurance plan Aviva Travel Lite Aviva Travel Plus Aviva Travel Prestige
Price for 1 week (ASEAN) $31.41 $43.71 $60.91
Price for 1 week (Asia) $39.69 $55.13 $76.88
Price for 1 week (worldwide) $59.49 $82.81 $121.03
Promotion 30% off for MINDEF/MHA Group Term Life policyholder
18% off with promo code TRAVEL18 (until 3 March 2019)
Medical expenses (overseas) $250,000 $2,000,000 Unlimited
Emergency medical evacuation $250,000 $2,000,000 Unlimited
Personal accident (death & TPD) $50,000 $100,000 $500,000
Travel delay ($100 every 6 hours) $1,000 $1,000 $2,000
Trip cancellation $5,000 $15,000 $20,000
Baggage delay ($200 every 6 hours) $1,000 $1,000 $2,000
Baggage loss/damage $3,000 $5,000 $8,000
Adventure activities covered? Some, but can add on for coverage of more activities


Aviva travel insurance promotions

Aviva travel insurance prices are pretty average, veering slightly towards the more affordable side.

But if you happen to be an NSmen who has opted in to the Aviva voluntary insurance scheme after you ORD, you get a whopping 30% off, which makes the plans super cheap! A week’s worth of basic coverage in ASEAN costs less than $22 after discount. That’s one of the cheapest insurance plans.

By the way, the 30% discount applies to immediate family members (parents, siblings, spouse, kids) too. So if your dad or brother or husband is a policyholder, you can get them to buy travel insurance for you…

If you want to find out more about Aviva’s voluntary insurance for NSmen, we’ve written about it here. It’s actually a very, very good deal.

Otherwise, if you’re not a policyholder and have no eligible family members to make use of, there’s an Aviva promo code TRAVEL18 which you can apply for 18% off. It’s until 3 March 2019. 

Keep track of the latest Aviva travel insurance promotions on their website.


What’s the coverage like for Aviva travel insurance?

Unless you’re planning a very big trip to a faraway land, most Singaporeans automatically opt for the cheapest tier when buying travel insurance.

The cheapest Aviva travel insurance tier, the Lite plan, is decent and provides adequate coverage. You won’t feel like anything is lacking, but your mind won’t be blown either.

However, I think you should really consider upgrading to Plus, which costs only a few more bucks. Now THAT’s a wow-inducing plan. Seriously, a $2mil limit on medical expenses? That’s extremely generous and can give you peace of mind even in insanely expensive countries like Norway or the US.

Aviva travel insurance also explicitly covers pregnancy-related medical situations as long as the delivery date is at least 12 weeks away from your return to Singapore. Most other insurance companies are extremely reluctant to bear that risk.

I should also add that if you’re planning to get married or do a bridal photoshoot overseas, there’s a nicely packaged add-on for comprehensive wedding coverage to help minimise the amount of freaking out over your special day.


Does Aviva cover adventure activities?

Aviva travel insurance isn’t just for those who are helping to fulfil Singapore’s national agenda by getting married and making babies. Surprisingly, it’s also a practical choice for extreme sports enthusiasts.

The basic policy covers mainstream stuff like scuba diving and hiking, although there are quite a lot of exceptions like mountain biking, surfing and flying fox.

But, you can pay extra to add on coverage for (a) winter sports like skiing, snowboarding, sleigh rides, etc. or (b) extreme water sports. The latter covers surfing, jet skiing, sailing, kayaking as well as diving as deep as 40m(!).

Depending on how serious you are about your sport/hobby, you might find it annoying that you have to pay extra, or you might like the fact that the add-on guarantees super comprehensive coverage for both your health and your gear.

Here’s a summary of common adventure activities and whether they’re covered by Aviva travel insurance:

Outdoor activity Covered by Aviva travel insurance?
Hot air balloon Yes
Scuba diving Yes with Extreme Water Sports add-on (up to 40m)
Skiing and other ice/snow sports Yes with Winter Sports add-on
Hiking or trekking Yes (up to 3,000m)
Mountaineering or outdoor rock climbing No
Marathons and other competitions No
Jet skiing Yes with Extreme Water Sports add-on
White water rafting Yes with Extreme Water Sports add-on (up to Grade 4)
Skydiving No
Paragliding, hang gliding or parachuting No
Bungee jumping No


Aviva hotline & travel insurance claim forms

Aviva hotline: +65 6322 2022 (Aviva emergency assistance hotline)

Online claims: Submit your claim through the Aviva form for travel insurance claims. You can also check on existing claims through this portal.

Hard copy claims: If you’re claiming for any upfront expenses, like your medical bills, you have to mail the original supporting documents (write down your policy number) to Aviva Travel Insurance Claims, Aviva Ltd, 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807

Things to note: Claims must be made within 7 days of the event or incident. Notice the rather short time frame – the industry standard is 30 days. This is not one for procrastinators!

Aviva will acknowledge your claim via email or phone call within 2 working days. If they need further clarification they will follow up within 7 working days. You can also call Aviva’s customer service hotline at +65 6827 9966 to follow up.


Conclusion: Should you buy Aviva travel insurance?

If you’re an Aviva policyholder (or have a family member) who qualifies for the 30% discount, then don’t hesitate. Without a doubt, this is the cheapest and most worth-it travel insurance you can buy.

If you’re not a policyholder, it’s still a really good deal if you can get a 18% discount with promo code TRAVEL18. Valid until 3 March 2019. 

Those travelling to more expensive countries will want to get the second tier plan for a few bucks more. The medical coverage is really tok gong on that one.

For pregnant women in their first or second trimester – or just any woman who COULD be travelling while pregnant – Aviva travel insurance is one of the very few options that will cover your condition.

Consider also buying this travel insurance with an add-on if you’re serious about sailing, scuba diving, white water rafting or other water sports. Ditto skiing and snowboarding, especially if you’ve got a lot of equipment.

However, thrillseekers should give it a miss as stuff like skydiving, paragliding and bungee jumping aren’t covered.

Looking to buy Aviva travel insurance? Compare all Singapore travel insurance policies by price and coverage first.