AIA Covid-19 travel insurance review: Price, promotion, claims (2022)

AIA may be one of the big insurance companies in Singapore, but AIA’s travel insurance plans have yet to become everyone’s go-to before jetting off on their latest holidays.
Unlike many of their competitors (even the massive brand names like NTUC Income, FWD, or AIG), AIA has not really upped its travel insurance game to appeal to modern travellers that are now extremely savvy with price comparisons while waiting out for all sorts of promotions.
As you’ll see in this article, AIA travel insurance still has some way to go before they can jostle their way into the upper echelons of the best travel insurance rankings.
AIA’s travel insurance is called AIA Around The World Plus (II) and it comes in three plan tiers:
The plans can either be either a single-trip plan or an annual pas. What’s the difference between single trip and annual travel insurance? If you drive up to Malaysia often or fly out to see your girlfriend or boyfriend every few weeks, get the annual pass. If you’re just going to Bangkok for a five-day trip and dream of travelling more, just buy the single-trip first.
The price of your AIA travel insurance largely depends on the country you’re travelling to. AIA has divided their premiums into:
AIA Around the World Plus (II) | Classic | Deluxe | Premier |
Price (Asean) | $37.30/week | $53.50/week | $76.65/week |
Price (Asia) | $55.45/week | $73.60/week | $105.90/week |
Price (Worldwide) | $75.60/week | $92.80/week | $123/week |
Medical expenses (Overseas) | $200,000 | $500,000 | $2,000,000 |
Emergency medical evacuation | $500,000 | Unlimited | Unlimited |
Personal accident (death, dismemberment, burn) | $150,000 | $200,000 | $500,000 |
Overseas travel delay ($100 every 6 hours) | $1,000 | $1,000 | $1,000 |
Trip cancellation (death, illness, natural disaster) | $5,000 | $10,000 | $15,000 |
Baggage delay ($200 every 6 hours) | $1,000 | $1,000 | $1,000 |
Baggage loss/damage | $3,000 | $5,000 | $8,000 |
Extreme sports & general sports | No | No | No |
At $37 to $123 per week, AIA’s travel insurance is priced similarly to Sompo’s travel insurance ($52 to $132) and Great Eastern travel insurance ($65 to $118). Other super useful coverage that you will get from the AIA Around the World Plus (II) travel insurance plan includes allowance for pet hotel, pregnancy-related medical expenses, credit card fraud, and compassionate hospital visits:
AIA’s travel insurance plan has also got one of the clearest and most user-friendly brochures.
Covid-19 coverage is automatically included in all AIA travel insurance plans.
AIA Travel Insurance (Covid-19) | Classic | Deluxe | Premier |
Overseas Medical Expenses | $80,000 | $120,000 | $150,000 |
Quarantine Allowance | $50/day, max 14 days | $80/day, max 14 days | $100/day, max 14 days |
Hospitalisation Allowance | – | – | – |
Emergency Medical Evacuation | $80,000 | $120,000 | $150,000 |
Repatriation | $80,000 | $120,000 | $150,000 |
Pre-Departure Trip Cancellation/ Postponement | $1,500 | $2,500 | $4,000 |
Trip Curtailment | $2,500 | $5,000 | $7,500 |
Automatic Extension of Cover | Up to 30 days | Up to 30 days | Up to 30 days |
If you got Covid-19, your trip was disrupted, and your airline refunds your tickets in credits, your hotel refunds your bookings in their hotel credits, you cannot claim from your AIA travel insurance plan. That’s great if you return to, say, Seoul every year.
But really bad if you don’t want the credits. You might want to hit your hotel or airline with an email to check on their Covid-19 refund policy beforehand. Singapore Airlines, for example, allows refunds if you booked a refundable fare ticket directly from SIA within their refund policy dates. Sometimes, you may also be charged a refund fee.
Children above 12 years old must be legally fully vaccinated to be covered by the plan.
ALSO READ: Great Eastern travel insurance review: Covid-19, promo, premiums
AIA’s travel insurance does not cover all extreme sports and sports in general. Its exclusions are very sketchy and ambiguous, e.g. saying they don’t cover ultra-marathons, but don’t mention if they cover marathons. They say they don’t cover unpatrolled skiing, but don’t mention if they cover normal patrolled resort skiing.
How to know if bouldering, usual hot air balloon rides are covered? Rule of thumb, travel insurers like AIA typically cover recreational activities that are open to public and can be done with a licensed tour operator, guide, and instructor.
Extreme Sports & General Sports | AIA travel insurance |
Ultra-Marathons, Biathlons, Triathlons | No |
Marathons | Not stated |
Expeditions | No |
Private hunting trips | No |
Off-Piste Skiing (unpatrolled skiis) | No |
Normal Alpine Skiing (patrolled) | Not stated |
Private White Rafting | No for grade 4 & above |
Ocean yatching/ Potholing | No |
Scuba Diving | Yes (with PADI cert, qualified instructor, max 30m) |
Motorcycle | Yes (with valid local license, wear helmet all times) |
Mountaineering/ Outdoor rock climbing | Yes (below 3,000m) |
Before you purchase ANY travel insurance, one thing you must consider is the ease of claim. How complicated is the claims process? Got success stories from other clients before? Are they notoriously iffy and stingy about your documents and receipts?
A quick search on forums such a Reddit showed that your AIA travel insurance claims process largely depends on the AIA insurance agent you’re buying from. According to the AIA claims website, the claims process is somewhat dated: you need to download the AIA claims form, collect all the necessary supporting documents, and contact your AIA agent to help you with submission.
Otherwise, you can email all the documents to AIA directly at sg.eCare@aia.com. The catch here, is obviously, that you will have to keep checking in with AIA to check on the application status and understand which claims were not eligible and… perhaps try to appeal.
AIA Emergency Hotline: If you’re overseas and ran into an emergency, call +65 6338 6200 (24/7).
AIA Hotline: If you’re overseas, call +65 6248 8000 from 8.45am to 5.30pm on weekdays. Otherwise, the AIA general hotline is 1800 248 8000.
There are no ongoing AIA travel insurance promotions for the AIA Around the World Plus (II) plan.
However, AIA is offering a free “mini” travel insurance plan called the AIA Supercharge Travel Cover that is valid from April 29 to June 30, 2022 (travel before Dec 31, 22). You’ll need to be a Singapore resident, between 18 to 65 years old, fully vaccinated, and provide your details for AIA’s marketing use. There are only three coverage you will get:
Not bad since it’s free, especially if you’re on an extreme shoestring budget and are not able to shell out $110+ for a comprehensive Covid-19 travel insurance.
AIA does offer some of the highest compensation limits for loss of personal items and damage to your belongings – up to $800 per item or set – so if insuring your iPad Pro, Chanel bag, and matching Rimowa luggage set is important to you, this is the plan for you.
All the usual travel-related coverage: emergency evacuation, repatriation, natural disaster-caused trip cancellation, flight delay etc. are pretty decent and will pay all your necessary bills.
However, AIA’s Covid-19 travel insurance gives you high coverage for medical expenses, medical evacuation, and pretty decent quarantine allowance of $50 to $100/day. However, if you get Covid-19 before your trip, note that the coverage is very low from $1,500 to $4,000.
Another thing you should note is the fact that you must buy all AIA travel insurance via AIA agents.
ALSO READ: StarHub launches travel insurance and doubles your roaming data
This article was first published in MoneySmart.