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Travel Pro

Travel Pro® Enhanced FAQs

Relating to the Types of Plan & Eligibility 

Travel Pro® Enhanced can be purchased by customers who are at least 18 years of age. For individual traveler who is a Child, the policy can be issued provided the policy holder is either the parent or authorised adult.

Both of you may purchase a “Group of Individuals” travel insurance policy. If either or both of you are bringing your child(ren) along, you may choose to purchase a “Me and My Family” plan under “Single Trip”.

No, you are unable to as travel insurance has to be activated before your departure from Singapore.

Yes, you are able to purchase a one-way plan. However, you will be charged premium equivalent to a 4-day trip, and the cover will cease once you arrive at your new country of residence or employment.

Yes, but the premiums will be based on the last person's return date and your own coverage will end as soon as you reach your residence in Singapore.

For "Individual" Plan:

The Insured must be a Singapore Resident of at least 18 years of age at the time of application.

Singapore Resident means a Singapore Citizen or Singapore Permanent Resident or Valid Work Permit Holder or Valid Employment Pass Holder or Valid Dependant Pass Holder or Valid Long-Term Social Visit Pass Holder or Valid Student Pass Holder on the Effective Date.

For individual traveler who is a Child, the policy can be issued provided the policy holder is either the parent or authorised adult.

For "Family" Plan:

Single Trip - any one or two adults traveling with any number of related children. The adults need not to be related but the children must be legal children of either one of the adults.

Annual Multi-Trip – for two adults who are legally married or who have been permanently living together for at least three months, and their legal children. Trips made by any of the child below 12 years of age must be accompanied by either one of the insured adults.

For individual traveler who is a Child, the policy can be issued provided the policy holder is either the parent or authorised adult.

Child(ren) means your unmarried dependent child or children [including step or legally adopted child(ren)] who is/are Singapore resident/s, aged between 45 days and 18 years old or up to 23 years old if studying full time in a tertiary institution and is/are primarily dependent on you for maintenance and support.


Relating to Medical Cover

A medical examination is not required, however, do note that any pre-existing medical conditions are not covered.

Pre-existing Condition means any condition which:-

  1. You received medical treatment, diagnosis, consultation or prescribed drugs or which symptoms or manifestations have existed whether treatment was actually received within twelve (12) months period preceding the commencement of a Journey;
  2. medical advice or treatment was recommended by a Doctor within twelve (12) months period preceding the commencement of a Journey; or
  3. You should reasonably be aware of within twelve (12) months period preceding the commencement of a Journey.

No, Chubb does not have this option.

No, the policy does not cover any pregnancy-related issues other than accidental miscarriage.

Yes, dental treatment is covered so long it is a result of an accidental injury. Dentures are not covered.

Yes, and if You have not been treated by a Doctor or Chinese Doctor in Overseas, You may seek medical treatment from a Doctor or Chinese Doctor in Singapore within twenty-four (24) consecutive hours from the time of Your return to Singapore.

We will reimburse You for such medical expenses or Traditional Chinese Medical Expenses necessarily incurred in Singapore, up to the maximum sum insured specified in the Benefit Schedule subject to the terms and conditions of this Policy.


Relating to Baggage Cover

No, this plan covers loss or damage of property due to robbery or theft only.

No, the amount of baggage cover cannot be increased.

No, Chubb does not cover any hired or leased equipment. The item must belong to the Insured Person and be carried on this person or be checked in luggage. For certain items such as watches and laptops, it must be carried with him when he is boarding and alighting from his flights. Please refer to "Personal Property and Baggage" for items covered under the policy.

Yes, Personal Property includes purchases made overseas. Please refer to Personal Baggage, Property Not Covered in the policy wording.

This plan will pay $200 for every six full consecutive hours of delay, up to the maximum benefit amount specified in your Certificate of Insurance.

No, it would not as unaccompanied baggage is not covered.

Up to $500 for any one item or set or pair of articles. The limit for laptop/hand-held computer is $1,000.


Relating to Sports and Sporting Equipment

Yes, Personal Property includes sporting equipment brought by the Insured Person or purchased during the trip. In addition, Chubb also extends additional cover for golfing equipment.

This policy excludes certain activities such as extreme sports, including triathlons and ultra- marathons. Please refer to General Exclusions for the exclusions list.


Relating to Trip Cancellation

This Policy does not cover this circumstance. The policy excludes any claims relating to prohibitions or regulations by any government, and any subsequent Trip Cancellation or trip change claims related to this cause is not covered.

Yes, if the event occurs within seven (7) days before the Scheduled Departure Date and such claim are accompanied with travel advice from the relevant authority/ authorities.

"Specified Cause" means

  1. You dying or becoming ill or sustaining Accidental Injury rendering You unfit to travel in the opinion of a Doctor;
  2. the death, of Your Family Member or Travel Companion, or Accidental Injury or Sickness of such person which the Doctor certified as being life-threatening and which resulted in You cancelling Your trip;
  3. compulsory quarantine, subpoena or hijack of You or Travel Companion;
  4. cancellation of scheduled Public Conveyance services consequent upon Strike, Riot or Civil Commotion;
  5. Your residence in Singapore becoming uninhabitable following fire, storm, or flood occurring such that Your presence is required on the premises on the Scheduled Departure Date;
  6. due to Natural Disasters which prevent You from commencing or continuing with the Journey.

where, for paragraphs (1) to (4), the events mentioned occur within thirty (30) days before the Scheduled Departure Date, for paragraph (5), the event occurs within seven (7) days before the Scheduled Departure Date and for paragraph (6) the event occurs within seven (7) days before the Scheduled Departure Date and must be accompanied with travel advice from relevant authority (authorities).


General

No. Chubb does not impose any excess on the Travel Pro® Enhanced policy.

Yes, you are covered on the way to and from the airport once your policy is enforced.

Yes. This policy is extended to cover your losses as a result of acts of terrorism.

 

The above FAQ should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy.

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