Travel Insurance

Aviva Travel Insurance Singapore Review 2018


Clara Lim



Singaporean guys who’ve done NS would be familiar with Aviva as they are the insurance partner of MINDEF/SAF. But did you know that they offer pretty decent travel insurance too? Let’s have a look at Aviva travel insurance plans.

Aviva Travel Insurance Price and Coverage

Travel insurance plan Aviva Travel Lite Aviva Travel Plus Aviva Travel Prestige
Price for one week in… ASEAN: $24.16

Asia: $30.53

Worldwide: $45.77

ASEAN: $33.61

Asia: $42.39

Worldwide: $63.70

ASEAN: $44.64

Asia: $56.30

Worldwide: $84.62

Promotion 30% off for MINDEF/MHA Group Term Life policyholder
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? Yes if you add on (but there are exceptions like mountain biking, bungee jumping)


Aviva travel insurance price comparison

Aviva’s travel insurance prices are pretty average. But NSmen who are policy holders with MINDEF/MHA’s voluntary insurance scheme would definitely want to get travel insurance with Aviva, because you (and spouse and kids) get 30% off, which makes the plans super cheap!


Aviva travel insurance coverage comparison

Aviva Travel Lite provides adequate coverage for medical emergencies, although the evacuation limit is rather low.

Most of us automatically opt for the cheapest plans when buying travel insurance, but in Aviva’s case I think you should really consider upgrading to Plus. Seriously, $2 million of medical expenses? That’s extremely generous and can give you peace of mind even in really expensive countries like Norway or the US.

Also, Aviva actually 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.

Mainstream leisure activities like scuba diving and hiking are covered, but there are some notable exceptions such as mountain biking, bungee jumping, ziplining (flying fox) and surfing. Check the policy wording just to be sure. You can also pay extra for Winter Sports cover (skiing, snowboarding, sleigh rides, etc.) or Extreme Water Sports (diving as deep as 40m, surfing, jet skiing, sailing, kayaking, etc.)

Oh yes, another nice feature (not in the table) is the ability to claim up to $5,000 for trip cancellation for any non-legit reason… like if your pangseh kia buddy flaked out on your or if you got called back by your panicking boss.

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


How to make Aviva travel insurance claims

Emergency hotline: Call Aviva emergency assistance hotline at +65 6322 2022

Online claims: Submit your claim through the online form linked on this page. 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.

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.


Summary: Pros & cons of buying travel insurance with Aviva

PRO: Value-for-money travel insurance, especially for NSmen. Aviva’s plans are already quite affordable. Factor in the 30% that NSmen who opted for voluntary MINDEF/MHA insurance and you get a value-for-money winner.

PRO: Outstanding medical coverage, even covers pregnancy and childbirth. Aviva’s 2nd- and 3rd-tier plans are pricier than the basic one, but offer really really good medical coverage, even if you’re travelling while pregnant.

PRO: Offers comprehensive overseas wedding coverage (add on). Couples going overseas for their wedding or bridal photoshoot have a lot of expensive clothing, dresses and other items to insure (not to mention a once-in-a-lifetime experience). Aviva has a thoughtfully-packaged wedding insurance add-on to minimise the amount of freaking out around your special day.

PRO/CON: Doesn’t auto-cover outdoor activities, but you can add on coverage. Depending on how you look at it, it might be annoying that Aviva doesn’t cover innocuous activities like sleigh rides. On the other hand, you can pay a bit more for good coverage. Where else would you get travel insurance that covers dives deeper than 30m?

CON: Short time frame for claims. 7 days after the incident is needlessly tight, especially when the industry standard is 30 days.


Have you ever bought travel insurance and/or claimed from Aviva? Tell us about your experience in the comments.

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Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.