Tokio Marine deserves a prize for being the most underrated insurance company in Singapore. The only thing most people know about them is that they’re a Japanese company like Daiso. But it would not have occurred to most of us to buy travel insurance from them.
Tokio Marine’s travel insurance plan is called TM Xplora Plus. It comes in two tiers:
- Classic
- Premier
This travel insurance plan you’ve never heard of is actually quite comprehensive, and go so far as to cover things like extra pet boarding costs and loss of frequent flyer points.
But how does Tokio Marine’s TM Xplora Plus plan match up to the competition? Here’s a detailed breakdown of the prices and coverage.
Contents
- Tokio Marine Travel Insurance: Summary
- Toko Marine Travel Insurance
- Tokio Marine Travel Insurance Covid-19
- Tokio Marine Travel Insurance Extreme Sports
- Tokio Marine vs Great Eastern vs AIA Travel Insurance
- Tokio Marine Travel Insurance Promotion
- Tokio Marine Travel Insurance Claim Review
- Should I buy Tokio Marine Travel Insurance?
1. Tokio Marine Travel Insurance Summary
Tokio Marine’s TM Xplora Plus comes in two tiers:
- Classic – up to $300,000 worth of overseas medical expenses
- Premier – up to $500,000 worth of overseas medical expenses
You also have the option of purchasing single trip plans of up to 183 days or annual plans, which cover you for unlimited trips within a year of up to 90 days each.
2. Tokio Marine Travel Insurance Coverage
As you know by now, TM Xplora Plus comes in two tiers, Premier and Classic.
Premiums vary depending on which zone countries you are travelling to fall under. Here are the zones:
- Zone A: Malaysia, Thailand, Indonesia, Brunei, Philippines, Vietnam, Laos, Myanmar, Cambodia, China (including Inner Mongolia), Hong Kong, Macau, Japan, Taiwan, South Korea, India, Sri Lanka, Australia and New Zealand
- Zone B: rest of the world (excluding Afghanistan, Cuba Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine)
Here’s a summary of the plan’s key benefits and coverage.
Tokio Marine Travel Insurance | Classic | Premier |
Price (Zone A) | $60/week | $78/week |
Price (Zone B) | $85/week | $111/week |
Overseas Medical Expenses | $300,000 | $500,000 |
Emergency Medical Evacuation | $500,000 | $1,000,000 |
Personal Accident (Death, TPD) | $200,000 | $300,000 |
Travel Delay ($100/6 hours) | $2,000 | $2,000 |
Trip Cancellation | $10,000 | $20,000 |
Baggage Delay ($200/6 hours) | $2,400 | $2,400 |
Baggage Loss/Damage | $10,000 | $15,000 |
Outdoor Adventure | Yes | Yes |
Covid-19 | Yes | Yes |
How does this plan stack up compared to its closest competitors? Sompo travel insurance plans, to cite an example, are a bit less generous than Tokio Marine’s, but come at a higher cost if you are travelling anywhere further than Southeast Asia.
The two highest-tier plans of another competitor, AIA travel insurance, offer more generous medical and personal accident benefits but are stingier when it comes to travel benefits like baggage loss and delay. The higher tier plans also cost more than Tokio Marine’s if you’re travelling outside ASEAN.
Total Premium
S$90
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$1,000
- Total Premium
- S$90
3. Tokio Marine Travel Insurance Covid-19
TM Xplora Plus automatically covers you in pandemic or epidemic situations, including Covid-19.
They don’t have a separate section for Covid-19 coverage, which is generally a good thing, as that means you’ll be entitled to the plan’s regular claim limits even for Covid-19-related claims. This makes them one of the most generous plans out there when it comes to Covid-19 coverage
Tokio Marine Travel Insurance Covid Cover | Classic | Premier |
Overseas Medical Expenses | $300,000 | $500,000 |
Emergency Medical Evacuation | $500,000 | $1,000,000 |
Repatriation | $20,000 | $30,000 |
Hospitalisation Cash ($200 per day) | $15,000 | $25,000 |
Quarantine Cash Benefit ($50/24 hours) | $350 | $750 |
Trip Cancellation | $10,000 | $20,000 |
Most insurers are actually less generous with their Covid-19 cover. For instance, Great Eastern travel insurance’s Classic and Elite travel insurance plans only cover up to $50,000 and $150,000 worth of Covid-related overseas medical expenses, and their hospitalisatjon allowance is only $50/$100 per day for up to 14 days.
Another competitor, MSIG travel insurance, is offering $75,000, $150,000 and $250,000 worth of Covid-related overseas medical expenses through their Standard, Elite and Premier plans. Their travel-related Covid coverage is way less generous as well, with a max of $3,000 for trip cancellation.
Total Premium
S$69
- Med. Coverage (Overseas)
- S$1,000,000
- Trip Cancellation
- S$15,000
- Loss/Damage of Baggage
- S$7,500
- Total PremiumTotal Premium
S$172.5060% Off - S$69
Travel with REWARDS:
• S$70 GrabGift vouchers
• OR up to S$60 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MoneySmart Promos]
• Get 60% off (Single Trip) and 25% off (Annual Plan) on TravelEasy policy premiums. Valid from 22 to 25 Jun 2026.
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM.
T&Cs apply.
4. Tokio Marine Travel Insurance Extreme Sports
If your idea of a good time is jumping out of a plane into the abyss, you’ll be glad to know that TM Xplora Plus offers coverage for adventure activities and sports, subject to some exceptions, of course.
In general, Tokio Marine will cover you so long as you are participating in the sport on a non-competitive, leisure basis, and that you use a licensed local operator and/or licensed, qualified guides or instructors.
Here’s a breakdown of TM Xplora Plus’s coverage for some common adventure sports:
Outdoor Adventure | Tokio Marine Travel Insurance |
Hot air balloon | Yes |
Scuba diving | Yes (not beyond 30 metres, must hold PADI certification and be accompanied by a qualified divemaster) |
Skiing, other snow sports | Yes, within approved areas |
Hiking, trekking | Yes, up to 4,500 metres above sea level |
Mountaineering, outdoor rock climbing | Yes, up to 4,500 metres above sea level |
Marathons, competitions | No, unless non-competitive |
Jet ski | Yes |
White water rafting | Yes, up to Grade 3 |
Skydiving | Yes |
Paragliding, hang gliding, parachute | Yes |
Bungee jumping | Yes |
Helicopter sightseeing | Yes |
This is pretty standard for plans that automatically offer protection for adventure sports. You can do almost anything that’s not competitive. Just make sure you check the limits of the coverage so you do not do something that will get your coverage excluded.
5. Tokio Marine vs Great Eastern vs AIA Travel Insurance
How does Tokio Marine’s travel insurance plans measure up to those of its most ardent competitors, Great Eastern and AIA? Let’s have a look.
Tokio Marine Travel Insurance | Great Eastern Travel Insurance | AIA Travel Insurance | |
Price (per week) | $60 - $111 | $26 - $118 | $37.30 - $123 |
Overseas Medical Expenses | $300,000 - $500,000 | $100,000 - $500,000 | $200,00 - $2,000,000 |
Emergency Medical Evacuation | $500,000 - $1,000,000 | $100,000 - $1,000,000 | $500,000 - Unlimited |
Trip Cancellation | $10,000 - $20,000 | $2,000 - $15,000 | $5,000 - $15,000 |
Baggage Loss | $10,000 - $15,000 | $2,500 - $5,000 | $3,000 - $8,000 |
Covid-19 | Yes | Yes | Yes |
Unlike Tokio Marine’s plan, which has only two tiers, Great Eastern travel insurance comes in three tiers. If you’re looking for a cheaper plan with basic coverage, Great Eastern would be more appropriate for you. However, when it comes to the higher tier plans, Great Eastern’s offers poorer benefits at a higher price.
AIA travel insurance also comes in three tiers, with a budget plan that Tokio Marine lacks. When it comes to their higher tier plans, they offer more generous medical coverage than Tokio Marine but worse travel coverage.
All that said, both Great Eastern and AIA’s Covid-19 coverage pales in comparison to Tokio Marine’s. If you haven’t had Covid-19 yet, your chances of getting it on the road are not slim. In that case, you might want to opt for Tokio Marine’s insurance to be safe.
6. Tokio Marine Travel Insurance Promotion
There aren’t any promo codes for Tokio Marine travel insurance at the moment, but check here from time to time so you don’t miss out on any deals.
7. Tokio Marine Travel Insurance Claim Review
Tokio Marine has a good reputation when it comes to being efficient with claims, however, as their travel insurance is not well-known in Singapore, we were hard pressed to find reviews.
Tokio Marine Hotline: +65 6221 6111 (Mon to Fri, 8.45am to 5.45pm)
Tokio Marine Travel Insurance Online Claims:You can make a claim online here. On the same page, you’ll find a step-by-step guide to making travel insurance claims in case you need some assistance.
Tokio Marine Travel Insurance Claims: If you like, you can also download the PDF claim forms and fill up a hard copy. Bundle that with your supporting documents and mail it to
Tokio Marine Insurance Singapore Ltd. 20 McCallum Street #09-01, Tokio Marine Centre Singapore 069046
8. Should I Buy Tokio Marine Travel Insurance?
Tokio Marine’s TM Xplora Plus is actually a solid travel insurance plan with great coverage at a reasonable price for both medical expenses and travel mishaps, even if you’re taking part in adventure sports. Its biggest strength is its generous Covid-19 coverage, which is better than what’s being offered by most other plans.
Shopping for travel insurance? Find out if you really need travel insurance here.
Related Articles
