Tokio Marine Travel Insurance Review: Claim, Promotion, Policy Wording

tokio marine travel insurance

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.


      1. Tokio Marine Travel Insurance: Summary
      2. Toko Marine Travel Insurance
      3. Tokio Marine Travel Insurance Covid-19
      4. Tokio Marine Travel Insurance Extreme Sports
      5. Tokio Marine vs Great Eastern vs AIA Travel Insurance
      6. Tokio Marine Travel Insurance Promotion
      7. Tokio Marine Travel Insurance Claim Review
      8. 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.

Sompo logo

Total Premium


50% OffTotal PremiumS$64
Online Promo
Includes Covid-19 cover
Med. Coverage (Overseas)
Trip Cancellation
Loss/Damage of Baggage
Total Premium
Total PremiumS$6450% Off

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.

MSIG logo

Total Premium


45% OffTotal PremiumS$126.50
MoneySmart Exclusive
ROLEX GRAND DRAW | Most Comprehensive
Med. Coverage (Overseas)
Trip Cancellation
Loss/Damage of Baggage
Total Premium
Total PremiumS$126.5045% Off
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Valid until 21 May 2024

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.