UniTravel Insurance (UOI Travel Insurance)—MoneySmart Review 2025

UOI Travel Insurance just got buffed. As of Jan 2025, UOI Travel Insurance has been renamed to UniTravel and now includes these 3 key enhancements:

• Increased Annual Multi-Trip age eligibility (now 18 to 75 years old)
• Introduced ‘Basic Plan’ for Annual Multi-Trip
• Increased limit of Rental Vehicle Excess to up to $3,000

These boosts are very welcome, but if you’re considering UniTravel Insurance, I doubt that comparing its current offerings with its past ones is your main concern. Questions on the top of your mind probably sound more like this: How does UniTravel Insurance compare with other travel insurance policies in Singapore. ? Relative to other options, is it considered expensive? Does it have good coverage if my flight is delayed? Or what if the airline loses my luggage?

Today, we’ll answer all those questions and more in our UniTravel Insurance review.

UOI UniTravel Review (2025)

1. What plan tiers do they offer?
2. Is the coverage worth the price you pay?
3. Adventure sports travel insurance coverage
4. What to look out for in their terms and conditions
5. Does UOI’s UniTravel travel insurance have 24/7 emergency assistance services?
6. Claims process
7. UOI UniTravel vs FWD travel insurance
8. UOI’s UniTravel travel insurance promotion
9. Final thoughts

 

1. UOI’s UniTravel travel insurance—What plan tiers do they offer?

UniTravel is a comprehensive travel insurance option by UOI, a member of the UOB group. They offer both single and annual multi-trip policies across 3 plan tiers: Value, Plus, and Pro, in order of increasing coverage: 

	UOI UniTravel Value	UOI UniTravel Plus	UOI UniTravel Pro
Single round trip	✓	✓	✓
Annual multi-trip	✓	✓	✓
One-way trip	✘	✘	✘

Do note that UniTravel does not cover:

• One-way journeys. UniTravel only offers plans for round-trips that start and end in Singapore, be they single or annual
• Individuals with pre-existing medical conditions. This is stated on page 7 of their policy wording.

 

2. UOI’s UniTravel travel insurance—Is the coverage worth the price you pay?

How does UOI price their UniTravel travel insurance plans?

Like most travel insurance providers, UOI prices their travel insurance plans by coverage (i.e., which plan tier you choose), the length of your travel, and the region(s) you’re travelling to. The further away from Singapore, the more expensive the travel insurance will be. For pricing sake, UOI splits the world into 3 or 2 geographical areas for their single-trip and annual multi-trip plans respectively:

UOI UniTravel travel insurance—Single Trip plan
Area 1	Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
Area 2	Australia, China (excluding Tibet), Hong Kong, India, Japan, South Korea, Macau, New Zealand, Sri Lanka and Taiwan.
Area 3	All countries excluding: Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia and Yemen.
UOI UniTravel travel insurance—Annual Multi-Trip plan
Area 4	Australia, Brunei, Cambodia, China (excluding Tibet), Hong Kong, Indonesia, India, Japan, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, South Korea, Sri Lanka, Thailand, Taiwan and Vietnam.
Area 5	All countries excluding: Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia and Yemen.

Source: UniTravel policy wording, page 6

Do note that while the age eligibility for UniTravel in general is 18 to 80 years old, Annual Multi-Trip plans have an upper limit of 75 years old. Additionally, those aged 70 years and above will have reduced coverage for certain benefits.

For the sake of comparing UOI UniTravel’s Value, Plus and Pro plans, we’ll focus on the single trip plans in this article.

 

UOI UniTravel travel insurance—Summary of coverage and benefits

UOI UniTravel travel insurance	Value	Plus	Pro
Price (ASEAN)	$49/week	$63/week	$87/week
Price (Asia)	$68/week	$88/week	$122/week
Price (Worldwide)	$87/week	$114/week	$157/week
Medical expenses (overseas)	$100,000	$250,000	$700,000
Emergency medical evacuation	Unlimited	Unlimited	Unlimited
Personal accident (death & TPD)	$50,000	$100,000	$300,000
Travel delay	$500 ($50 for every 6 hours)	$1,000 ($100 for every 6 hours)	$1,500 ($100 for every 6 hours)
Trip cancellation	$3,000	$5,000	$10,000
Baggage delay	$500 ($50 for every 6 hours)	$1,000 ($100 for every 6 hours)	$1,500 ($100 for every 6 hours)
Baggage/ belongings loss	$1,000	$3,000	$6,000
COVID-19 cover	Automatically included
Adventure activities	With the notable exception of hot-air ballooning, most adventurous activities are excluded from coverage. Read more in the General Exclusions section in the UniTravel policy wording.

Most of us don’t have a good basis for judging whether a travel insurance plan has low, high or average coverage. That’s why we compiled the pricing and coverage details of 60 insurance plans in Singapore across 21 different providers.

Compared to the other travel insurance plans we surveyed, UOI’s UniTravel travel insurance fares decently well. Let’s look at the price of its plans first.

UniTravel’s middle tier plan, Plus, falls slightly below the median price of travel insurance in Singapore based on the premium for a 7-day trip to Thailand. The lower and higher tiers fall below and above it respectively, which is reasonable given that they also correspondingly differ in coverage.

Looking at coverage, UniTravel again is generally decent. Its coverage falls a little on the low side for overseas medical expenses, trip cancellation, and baggage loss; its Plus plan’s coverage falls below the median in these areas.

However, UniTravel’s coverage for travel delay and baggage delay is good. Getting the middle tier Plus plan would get you fair coverage—the median amount in Singapore for these areas compared to the other travel insurance plans we looked at. 

If you’re considering the UOI UniTravel Value plan, do note that its payout rate for travel delay and baggage delay is lower than that for the Plus and Pro plans. While you get $100 for every 6 hours of delay for the latter 2, you only receive $50 for every 6 hours with the Value tier. Additionally, the coverage limit for baggage loss is also relatively lower for the Value tier. At $1,000, this is tied with Allianz Travel Basic, DirectAsia Voyager 150, UOB InsureTravel’s Basic plan, and Sompo travel insurance plans for the lowest in Singapore.

On the other hand, if you’re eyeing the highest UOI UniTravel Pro tier, I would say it’s value for money. Across all the coverage components we looked at above, this Pro plan gets you coverage that is consistently higher than or at the median. All this, for a price ($87) that is also just a bit higher than the median ($68). You get for what you pay for with this plan—an adequate amount of coverage at a respectable price point.

 

3. UOI’s UniTravel travel insurance—Adventure sports travel insurance coverage

UOI UniTravel insurance covers a good range of adventurous activities and outdoor sports—although you may not realise this at first. Their policy wording makes it a bit tricky to understand what’s covered because it only lists what isn’t covered.

You’ll have to figure out for yourself what adventure sports UOI UniTravel insurance covers by reading in between the lines. For example, when they say that “diving at depths greater than 30 metres” is excluded from coverage, it means diving at depths less than 30 metres is eligible for coverage. Similarly, since trekking (including mountain trekking) above 3,000 metres is excluded, trekking 3,000 metres or below is included.

Here’s the relevant section from UOI UniTravel insurance policy wording on adventure sports coverage exclusions:

Any sport or leisure activity with a high inherent level of risk (i.e. involving a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) or any sport or leisure activity done in a manner, location or terrain that is far from what can reasonably be considered normal. This includes but is not limited to: Travelling in air (except while travelling as a fare-paying passenger in a properly licensed, regularly scheduled commercial airline or helicopter for sight-seeing by a licensed operator); Taking part in aerial activities (except hot-air ballooning) including bungee jumping, parachuting, free flying, zip lining and flying fox; Any leisure or sports activity either as a professional or where You would or could earn or receive renumeration, donation, sponsorship or financial rewards of any kind; You taking part in any leisure or sports activities where You are competing in or practicing for speed or time trials, sprint or racing of any kind; Big wave surfing, B.A.S.E. jumping, cliff jumping, canyoning, horse jumping, polo, marathons, biathlons, triathlon, racing or motor rallies/cross, stunt riding, potholing, cave diving and private hunting; Outdoor rock climbing, abseiling, coasteering and mountain biking; Trekking (including mountain trekking) above 3000 metres; Diving at depths greater than 30 metres; Canoeing, kayaking and rafting (above Grade 2).

Source: UniTravel policy wording, point 18 under General Exclusions section on page 33

One small exclusion I would like to point out: while hot-air ballooning is covered, bungee jumping is not covered under UOI UniTravel insurance. That’s a bit of a shame since various other travel insurers like FWD and Tiq do cover bungee jumping.

Need more help choosing the right travel insurance for your outdoor adventure overseas? View our guide on travel insurance for extreme sports coverage for recommendations.

 

4. UOI’s UniTravel travel insurance exclusions—What to look out for in their terms and conditions

UOI’s UniTravel travel insurance is quite comprehensive, but there are some exclusions and terms you should take note of from their policy wording:

• You will not be covered when transiting through any excluded countries. For example, if you somehow have a connecting flight in Nepal and are delayed at that airport, don’t hold your breath to receive any compensation for the wait.
• While you can make an unlimited number of trips under an Annual Multi-Trip plan, each trip should not last more than 90 days.
• Should you (touch wood) lose any personal belongings, you must inform authorities (e.g. police, hotel, transportation company) within 24 hours and obtain a written report there.
• If your baggage is lost or damaged while you’re on a plane or bus, you must inform the carrier or company within 3 days in writing and obtain a Property Irregularity Report.
• Make any claims within 31 days of returning to Singapore.

 

5. Does UOI’s UniTravel travel insurance have 24/7 emergency assistance services?

Yes. If you are overseas and find yourself in an emergency situation, call their 24 Hours Emergency Assist Hotline: +65 6222 7737.

 

6. UOI’s UniTravel travel insurance—Claims process

UniTravel has an appointed claims handling agent, Broadspire by Crawford & Company, that will manage any claims you need to make (hopefully, none). 

To make a claim, submit your claim form and supporting documents within 31 days of the termination of your travel insurance policy to:

Email:  [email protected]

Address:

Broadspire by Crawford & Company

Travel Insurance Claims Department

6 Shenton Way

#19-10 OUE Downtown 2

Singapore 068809

Have questions or need help? Call (+65) 6632 8639 during business hours.

 

7. UOI UniTravel vs FWD travel insurance

One plus point of UOI’s UniTravel travel insurance is its fair price point. Let’s compare it against a popular budget travel insurance, FWD.

	UOI UniTravel insurance	FWD travel insurance
Price (ASEAN)	$49 to $87/week	$34 to $58/week
Price (Asia)	$68 to $122/week	$37 to $70/week
Price (Worldwide)	$87 to $157/week	$61 to $103/week
Medical Expenses (Overseas)	$100,000 – $700,000	$200,000 – $1,000,000
Emergency Medical Evacuation	Unlimited	Unlimited
Travel Delay (Overseas)	$500 – $1,500 ($50/$100 for every 6 hours)	$300 – $1,000 ($100 for every 6 hours)
Trip cancellation	$3,000 – $10,000	$7,500 – $15,000
Baggage delay	$500 – $1,500 ($50/$100 for every 6 hours)	$150 – $900 ($150 for every 6 hours)
Baggage loss	$1,000 – $6,000	$3,000 – $7,500
Adventure activities cover	Yes (with exceptions like bungee jumping)	Yes
COVID-19 coverage	Automatically included	Add on for $7 – $12

Generally, UOI UniTravel is more expensive than FWD travel insurance (even if you add on COVID-19 cover for the latter). It also has lower coverage for overseas medical expenses and travel inconveniences such as trip cancellation and baggage loss.

That said, UOI UniTravel has higher coverage limits for travel and baggage delays compared to FWD travel insurance. If these are your main areas of concern, it’s worth considering UOI. Just be sure to choose the Plus or Pro plans, as the compensation rate for the Value plan is relatively low at $50 for every 6 hours of delay.

Ultimately, it boils down to what you prioritise. FWD travel insurance offers more coverage overall, but UOI UniTravel may be the more attractive choice for those who strongly prefer higher coverage for travel and baggage delays.

 

8. UOI’s UniTravel travel insurance promotion

If you love the coverage you get with UOI UniTravel but aren’t sure about the price, good news. UOI UniTravel travel insurance plans are currently on a 50% discount, with the lowest tier Value plan starting from just $24.50 for a full week of travel to an ASEAN destination. That’s just $3.50 per day!

Enjoy this offer from now till 31 Mar 2025. T&Cs apply.

 

9. UOI’s UniTravel travel insurance review—Final thoughts

UOI UniTravel insurance provides ample coverage for your next vacation at a generally fair price point. When we compared it with other travel insurance plans in Singapore, we found that their premiums are priced reasonably for their coverage amounts.

Thrill seekers, take note: while UOI UniTravel insurance covers the usual stuff like hot-air ballooning and diving up to a depth of 30m, bungee jumping is excluded. If you had your heart set on bungee jumping, you might want to check out these options for travel insurance with extreme sports coverage instead.

If you do choose to purchase UOI UniTravel insurance for your next vacation, I recommend opting for their middle tier Plus policy or higher tier Pro policy instead of their most affordable Value option.

While the Value tier is very wallet-friendly, its coverage is not very comprehensive. Notably, its compensation for travel and baggage delays is just $50 for every 6 hours of delay. Can you imagine being stuck at the airport, milling around aimlessly for 6 hours, only to receive 50 bucks? The Plus and Pro plans bump this compensation rate up to $100 for every 6 hours, which is also generally what most travel insurance plans in Singapore pay out.

 

About our scale and rating system

• We compiled the prices and coverage limits for 60 travel insurance plans from 21 different providers in Singapore in a massive spreadsheet.
• For each price/coverage category (e.g. trip cancellation, travel delay, etc.), we determined the minimum, median, and maximum values across all travel insurance plans. These values then form scales showing the lowest, highest, and average price/coverage amounts for different travel insurance plans in Singapore. 
• Finally, we plotted where each travel insurance plan stands on those scales and assigned a star rating for the provider based on the results.
  • 1 star: All plans under that provider perform average or lower than average, and 1 or more plans is the worst performing. / If there is only 1 plan, it is the worst performing.
  • 2 stars: All plans under that provider perform average or lower than average, but none of their plans is the worst performing. / If there is only one plan, it performs below average.
  • 3 stars: All plans under that provider perform between the minimum and maximum. / If there is only one plan, it performs average.
    • Add a star if one of the plans is the best in Singapore.
    • Deduct a star if one of the plans is the worst in Singapore.
  • 4 stars: All plans under that provider perform average or above average, but none of their plans is the best performing. / If there is only 1 plan, it performs above average.
  • 5 stars: All plans under that provider perform average or above average, and 1 or more of their plans is the best performing. / If there is only 1 plan, it is the best performing.
• To arrive at an overall score reflecting price versus coverage, we take the average of the 5 coverage components, then average that figure with the price.

Star rating and description	Visual example
★☆☆☆☆ 1 star: All plans under that provider perform average or lower than average, and 1 or more plans is the worst performing. / If there is only 1 plan, it is the worst performing.	1 star:
★★☆☆☆ 2 stars: All plans under that provider perform average or lower than average, but none of their plans is the worst performing. / If there is only one plan, it performs below average. OR see 3 star rating below for penalty star scenario.	2 stars: 2 stars (3 stars – penalty star):
★★★☆☆ 3 stars: All plans under that provider perform between the minimum and maximum. / If there is only one plan, it performs average. – Add a bonus star if one of the plans is the best in Singapore. – Deduct a penalty star if one of the plans is the worst in Singapore.	3 stars:
★★★★☆ 4 stars: All plans under that provider perform average or above average, but none of their plans is the best performing. / If there is only 1 plan, it performs above average. OR see 3 star rating above for bonus star scenario.	4 stars: 4 stars (3 stars + bonus star):
★★★★★ 5 stars: All plans under that provider perform average or above average, and 1 or more of their plans is the best performing. / If there is only 1 plan, it is the best performing.	5 stars:

Notes:

• The star ratings are flipped for the Price component—for this, the lower the better.
• For travel delay, most insurers offer $100 for every 6 hours.
  • ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($50 for every 3 hours) or larger compensation amount ($200 for every 6 hours)
  • DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($100 for every 8 hours) or smaller compensation amount ($50 for every 6 hours)
• For baggage delay, most insurers offer $200 for every 6 hours.
  • ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($100 for every 3 hours) or larger compensation amount ($250 for every 6 hours)
  • DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($200 for every 8 hours) or smaller compensation amount ($150 for every 6 hours)

 

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