2 best credit cards for safety-minded travellers in Singapore

Find out which credit cards are good for the safety-conscious traveller.
PHOTO: The Straits Times

This article was originally on GET.com at: Infographic: 2 Best Credit Cards For Safety-Minded Travellers In Singapore.

If you prefer to be in control rather than taking risks, you have probably already purchased travel insurance before a holiday or business trip. Getting travel insurance makes a lot of sense.

Have you ever thought of how much it would cost to transport you to suitable medical facilities if you were to suddenly become ill or have a serious accident while travelling in a country with poor medical facilities?

Who would take care of your family if, in the worst case, you were to suffer a fatal airline accident? How would you buy new clothes and other basics if your luggage was delayed?

But before you blow a lot of money on travel insurance every time you take a trip, you should know that some of the best credit cards give you complimentary travel insurance when you use them to pay for your trip.

We at GET.com will show you our pick of the 2 best travel credit cards in Singapore that offer the most comprehensive travel insurance coverage along with other travel benefits.


Graphic: Get.com

There are big differences in the actual insurance coverage you get with different credit cards and some don't give you travel insurance at all.

Quite a few cards give you travel accident insurance, which pays out a benefit if you are seriously disabled or if you die in an airline accident.

But the best credit cards with travel insurance cover you in many different situations. These may include luggage loss or delays, flight delays or cancellations, loss of travel documents and unexpected medical and dental emergencies.

Some cards even cover the cost of emergency transportation to medical facilities or even back to Singapore should an unexpected medical emergency arise during your trip.

Another rare, but useful benefit is trip interruption and cancellation coverage, which reimburses you up to a certain amount if you have to unexpectedly cancel a trip that you have already paid for.

Citi PremierMiles Visa Card

Citi PremierMiles Visa Card is our top choice for credit cards for safety-minded travellers.

It offers 3 different types of coverage:

Coverage For Dismemberment Or Death

When you use this card to pay for your travel, you can get up to $1 million coverage if you are permanently dismembered or killed in an accident while travelling with a common carrier (airline, cruise ship, bus, train, and more).

You also get $1 million coverage for your spouse and up to $50,000 coverage for a child travelling with you on the same booking.

Travel Inconvenience Coverage

If your baggage is lost you can claim up to $500 reimbursement per piece of luggage, up to $1,000 total. Every consecutive 8 hours of baggage delay entitles you to up to $200 in compensation, up to a $500 maximum.

If your flight is delayed you can claim $100 for every consecutive 8 hours of delay, up to a total of $500 per incident. You get reimbursed up to $500 if a trip is cancelled or if you miss a flight or other travel reservation due to an interruption.

Medical Assistance Program

If you or your child have to be hospitalised due to unexpected injury or sickness while on your trip, you can relax knowing that up to $40,000 of your medical and accidental dental expenses and up to $20,000 of your child's medical expenses will be covered.

If you have to be transported to another city or country to receive proper medical care due to an unexpected medical emergency, you can get up to $100,000 of coverage for emergency medical evacuation, and up to $50,000 coverage towards the cost of transporting you (or accompanying spouse or child) to another country or back to Singapore.

Rewards

Earn up to 10 Citi Miles per $1 spent on online travel bookings (made through Agoda, Kaligo, and some other sites), earn 2 miles for each $1 spent overseas and 1.2 miles per $1 spent locally.

Read our Citi PremierMiles Visa Card review to find out more.

HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card is not a card for everyone, as you receive it by invitation only. But it you are one of the lucky invitees, you will enjoy some of the best travel insurance available through a credit card in Singapore.

Travel Accident Insurance

The travel accident insurance you get with this card could compensate you with up to US$2 million if you are totally and permanently disabled or killed while travelling on a public conveyor (airline, train, etc.).

Accompanying family members are covered up to US$1,000,000 per adult and US$30,000 per child. You even get land cover that covers you in case of total permanent disablement or death when you aren't travelling with a standard public conveyance service (up to $100,000).

Medical Insurance

You get $100,000 coverage for unexpected overseas medical expenses and $10,000 coverage for post-trip medical expenses in Singapore. You get an overseas hospitalisation allowance of $200 per day for each insured person, up to $5,000 total.

If you or another insured person is hospitalised when travelling overseas, you will get reimbursed for trips you take to visit them (or they take to visit you) up to $1,000.

If you need to fly a relative over to take care of the kids while you are hospitalised, your travel insurance will pay up to $1,000 towards the cost of transportation.

Enjoy the protection of up to $250,000 coverage towards the cost of evacuating and/or transporting you and your family to proper medical facilities or back to Singapore.

This also covers the transportation of your mortal remains if the unthinkable happens and you pass away while travelling. These are only some of the 20 travel insurance benefits you get when you use this card to pay for the full cost of travel bookings!

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