Etiqa-ePROTECT travel-Travel Insurance

ePROTECT travel

Pack away your worries with our comprehensive travel insurance.

  • Features

    *Get 51% off single-trip and 35% off annual-trip travel insurance (only applicable for online purchase)*

    *Save an additional 10% every Friday with our Thank Etiqa Is Friday (TEIF) Sale. Save the date and learn more!*

    The upgraded ePROTECT travel insurance comes with added travel protection to give you greater peace of mind on your vacation. You can now focus on creating travel memories while we keep you safe and your journeys smooth. From medical expenses and accidents to travel inconveniences such as trip cancellation, loss of personal belongings and travel delay, we got you covered with our comprehensive travel insurance before, during and after your business, leisure or study trips.

    Flexible protection catered to your travel needs:

    • Trip type: Single or Annual Multi-Trip (recommended for frequent travellers)
    • Plan type: Individual, Family or Group
    • Benefit type: Basic, Economy or Business


    Key benefits:

    • 24-hour free worldwide emergency travel support provided by Allianz Global Assistance (at +65 6327 2215).
    • Personal accident benefits, up to $400,000.
    • Medical and travel benefits, including reimbursement of medical expenses incurred overseas, up to $1 million.
    • Travel assistance benefits, including emergency medical evacuation, up to $1 million.
    • Travel inconvenience benefits including trip cancellation and loss of deposit, up to $15,000; loss of personal effects, including laptop computer, up to $5,000; travel delay, up to $800; and baggage delay, up to $200.


    ePROTECT travel is family-friendly:

    • Coverage for spouse and up to 8 children at affordable premiums.
    • Coverage for children under 18, and up to 25 years, if the child is a full-time student in a recognised tertiary institution.
    • For Annual Multi-Trip Family plan, insured persons are not required to travel together.
    Basic Economy Business
    Personal Accident Benefits
    1. Personal Accident (Accidental Death and Permanent Disablement)
    Adult aged below 70 years old $200,000 $300,000 $400,000
    Adult aged 70 years old and above $30,000 $50,000 $75,000
    Child $50,000 $75,000 $100,000
    Medical and Travel Benefits
    2. Medical Expenses Incurred Overseas
    Adult aged below 70 years old $200,000 $500,000 $1,000,000
    Adult aged 70 years old and above $30,000 $50,000 $75,000
    Child $75,000 $100,000 $150,000
    3. Medical Expenses Incurred in Singapore
    Adult aged below 70 years old $5,000 $10,000 $15,000
    Adult aged 70 years old and above $1,000 $3,000 $5,000
    Child $2,500 $5,000 $7,500
    4. Overseas Hospital Income $10,000
    ($200 per 24 hrs)
    ($200 per 24 hrs)
    ($200 per 24 hrs)
    5. Hospital Allowance in Singapore $500
    ($100 per 24 hrs)
    ($100 per 24 hrs)
    ($100 per 24 hrs)
    6. Hospital Visitation $2,500 $5,000 $7,500
    7. Compassionate Visit $2,500 $5,000 $7,500
    8. Child(ren) Guardian $2,500 $5,000 $7,500
    9. Emergency Telephone Charges $200 $200 $200
    Travel Assistance Benefits
    10. Emergency Medical Evacuation $1,000,000 $1,000,000 $1,000,000
    11. Repatriation of Mortal Remains to Singapore $1,000,000 $1,000,000 $1,000,000
    Travel Inconvenience Benefits
    12. Trip Cancellation and Loss of Deposit $5,000 $10,000 $15,000
    13. Bankruptcy of Travel Agent $1,000 $3,000 $5,000
    14. Travel Curtailment (including Hijacking) $3,000 $5,000 $10,000
    15. Personal Effects (including laptop computer) $2,000
    ($250 per article)
    ($250 per article)
    ($250 per article)
    16. Baggage Delay $200
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    17. Loss of Travel Documents (including money) Personal Money: $150; Personal Documents: $250 Personal Money: $250; Personal Documents: $500 Personal Money: $350; Personal Documents: $750
    18. Travel Delay $300
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    19. Flight Diversion $300
    ($100 per 6 hrs overseas)
    ($100 per 6 hrs overseas)
    ($100 per 6 hrs overseas)
    20. Flight Overbooking $100 $100 $100
    21. Travel Misconnection $200
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    ($100 per 6 hrs)
    22. Travel Postponement $500 $1,000 $1,500
    Liability Benefits
    23. Personal Liability $500,000 $750,000 $1,000,000
    Special Benefits
    24. Hijacking/Kidnapping and Hostage $1,000 $3,000 $5,000
    25. Automatic Extension of Cover up to 7 days up to 7 days up to 7 days
    26. Act of Terrorism Cover
    Adult aged below 70 years old $200,000 $300,000 $400,000
    Adult aged 70 years old and above $30,000 $50,000 $75,000
    Child $50,000 $75,000 $100,000

    Our previous travel insurance, Vacation Shield Plus, is now replaced by our new upgraded travel insurance plan, ePROTECT travel, with effect from 30 September 2016. Customers who have already purchased Vacation Shield Plus can be assured that they can continue to enjoy their protection coverage under Vacation Shield Plus during the stated Period of Insurance on the Certificate of Insurance.


    Please click here to calculate your premiums.



    Who can apply for ePROTECT travel insurance?

    • Singaporean
    • Permanent Resident of Singapore
    • Foreigner with valid Work Pass
    • Foreigner with valid Student Pass
    • Foreigner with valid Dependant’s Pass
    • Foreigner with valid Long-term Visit Pass

    What are the types of plan available?

    • Trip type: Single or Annual Multi-Trip (recommended for frequent travellers)
    • Plan type: Individual, Family or Group
    • Benefit type: Basic, Economy or Business

    What is a Single Trip Policy?

    A Single Trip Policy covers the entire return trip (not exceeding 182 consecutive days) from the time during the Period of Insurance when the Insured Person leaves his/her home or workplace in Singapore, for the sole purpose of commencing a trip abroad, to 6 hours after the Insured Person arrives back in Singapore or on the expiry date of the Period of Insurance shown in the Schedule, whichever is sooner.

    What is an Annual Multi-Trip Policy?

    An Annual Multi-Trip Policy covers you for all trips taken during the Period of Insurance. You can make unlimited number of trips during the Period of Insurance, provided each trip does not exceed 90 consecutive days from the departure date.

    What is a Family Plan?

    A Family travel insurance plan comprises a minimum of 1 adult travelling with 1 child, and up to a maximum of 2 adults travelling with up to 8 children.

    • For Single Trip Policy – The 2 adults need not be related but the child(ren) must be the Legal Child(ren) of either of the insured adults. All must depart from and return to Singapore together at the same time.
    • For Annual Multi-Trip Policy – The Insured, which will comprise You, Your Legal Spouse and up to 8 of Your Legal Children can travel on separate trips during the Period of Insurance. The child(ren) need not be accompanied by either of the parents.
    • Note that 2 adults are unable to purchase a Family Plan. Instead they can consider getting the Group Plan if they are taking the same trip together or purchase 2 separate Individual Plans.

    What is a Group Plan?

    • A travel insurance Policy issued to you in respect of the Insured Persons named in the Schedule who are travelling as a group, with a maximum of 10 insured persons. If you have more than 10 insured persons, we will recommend for you to apply for 2 (or more) Group Plans (as required) (E.g. 18 insured persons will require 2 Group Plans).
    • The Insured Persons under the Group Plan must travel together on a Trip.
    • Group Plan is only available for Single Trip.

    What is the meaning of “Child”?

    “Child” means the Adult applicant’s legal child who is unmarried and unemployed, and is at least 3 months old and below 18 years old or up to 25 years of age if studying full-time in a recognised tertiary institution.

    How do I select the Travel Region if I am travelling to more than one country?

    If you are travelling to more than one country, please select the furthest destination from Singapore.

    Can a foreigner buy ePROTECT travel insurance?

    Yes, a foreigner residing in Singapore and holding on to a valid Work Pass, Student Pass, Dependant’s Pass or Long-term Visit Pass is eligible to buy our travel insurance. Please note that this insurance will only cover for a round trip commencing and returning to Singapore within the Period of Insurance.

    Can I apply for ePROTECT travel insurance if I am above 70 years old?

    If you are 70 years old and above, you are welcome to apply given that there are reduced travel insurance benefits for Personal Accident, Medical Expenses Incurred Overseas and in Singapore, and Act of Terrorism Cover.

    Are there any exclusions under ePROTECT travel insurance?

    Yes, there are exclusions such as pre-existing illnesses, hazardous occupations or those who participate in professional high-risk sports.

    We also do not cover the following countries: Afghanistan, Cuba, Democratic Republic of Congo, Republic of the Congo, Iran, Iraq, Liberia, Sudan, Somalia, South Sudan and Syria.

    Please refer to our Policy Wording for more details.

    Can I change my commencement date?

    Yes, you can change the commencement date but only if you notify us prior to the commencement of your trip or Period of Insurance, whichever is sooner. Please contact our friendly Customer Care consultants.

    Can I extend the period of cover if I decide to extend my trip whilst overseas?

    Please contact our friendly Customer Care consultants for further advice.

    If I decide not to proceed with my trip, can I recover the premium paid for my policy?

    • For Single Trip Policy: We will grant a full refund of the premium as long as the amount to be refunded is at least $20 and no claim has been submitted prior to the cancellation of this Policy. There will be no refund for cancellation after the Period of Insurance has commenced.
    • For Annual Multi-Trip Policy: We will grant a pro rata refund of the premium paid corresponding to the unexpired Period of Insurance as long as the amount to be refunded is at least $20 and no claim has been submitted prior to the cancellation of this Policy:
    Months remaining on Your Policy 11 10-9 8-7 6-5 4-3 2
    Refund of premium payable (%) 60 50 40 30 20 10

    How can I get emergency travel assistance when I am overseas?

    As a policyholder, you are entitled to the following free travel assistance services provided by Allianz Global Assistance . To access the service, simply dial the Emergency Services Hotline at +65 6327 2215 and quote your Policy Number. Consultation is free. Other third-party costs and expenses are covered under this Policy subject to the terms and conditions provided in the Policy Wording.

    Our Travel Information and Emergency Assistance Services comprise the following:

    • Pre-Trip Information Services
    • Inoculation Requirements & Visa Requirements
    • 24-hours Emergency General Travel Assistance (English & Mandarin)
    • Embassy Referral
    • Loss Luggage Assistance
    • Loss Passport Assistance
    • Emergency Message Transmission Assistance
    • Interpreter Referral
    • Telephone Medical Advice
    • Medical Service Provider Referral
    • Arrangement of Appointment with Local Doctors
    • Arrangement of Hospital Admission
    • Guarantee of Medical Expenses Incurred
    • Monitor Medical Condition during Hospitalization with Attending Physician

    How do I make a claim?

    Fill in the Travel Claim Form online, and if you need further assistance, please contact our friendly Customer Care consultants.



This product is covered under PPF Scheme.

Important Notes:

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

Information is correct as at 22 May 2017.