Baggage/Personal Effects Cover

Can't find your baggage? Worried about personal belongings being lost or damaged during your trip? Our baggage and personal effects insurance provides comprehensive protection, allowing you to enjoy every trip with peace of mind.

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International Travel Insurance (One-Way Trip)

Easy claims processFree cancellation

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Loss or Damage of Personal Property and Baggage

3,000
Sub-limit for each item, pair or set of articles
500
Sub-limit for all cameras and camcorders
500
Sub-limit and cover for only one (1) Portable Computer
500
Sub-limit for Money and Travel Documents
350

Overseas Medical Expenses

250,000
For Insured Person(s) between 18 to 70 years old, both inclusive
250,000
For Insured Person(s) below 18 or above 70 years old
125,000
Sub-limit for Traditional Chinese Medicine
500

Continuation of Medical Treatment After Return To Singapore

10,000
Sub-limit for Traditional Chinese Medicine
250

Chubb Assistance - Emergency Medical Evacuation

Included

Chubb Assistance - Repatriation of Mortal Remains

Included

Personal Liability

500,000

Journey Cancellation or Postponement

5,000

Journey Curtailment

5,000

Travel Delay

200 per every 6 hours, up to 800

Baggage Delay

200 per every 6 hours, up to 800

Loss of Advance Deposit due to Insolvency of Travel Agent

1,000

Accidental Death and Permanent Disablement

50,000
For Insured Person(s) between 18 to 70 years old, both inclusive
50,000
For Insured Person(s) below 18 or above 70 years old
25,000

24-Hour Worldwide Medical Emergency Assistance Hotline

Included

24-Hour Travel Advice Hotline

Included

Automatic Extension of Cover

Included
FromS$ 22.50
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International Travel Insurance (Single Return Trip)

24-hour worldwide assistanceFree cancellation

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Loss or Damage of Personal Property and Baggage

3,000
Sub-limit for each item, pair or set of articles
500
Sub-limit for all cameras and camcorders
500
Sub-limit and cover for only one (1) Portable Computer
500
Sub-limit for Money and Travel Documents
350

Overseas Medical Expenses

250,000
For Insured Person(s) between 18 to 70 years old, both inclusive
250,000
For Insured Person(s) below 18 or above 70 years old
125,000
Sub-limit for Traditional Chinese Medicine
500

Continuation of Medical Treatment After Return To Singapore

10,000
Sub-limit for Traditional Chinese Medicine
250

Chubb Assistance - Emergency Medical Evacuation

Included

Chubb Assistance - Repatriation of Mortal Remains

Included

Personal Liability

500,000

Journey Cancellation or Postponement and Journey Curtailment

5,000

Journey Curtailment

5,000

Travel Delay

200 per every 6 hours, up to 800

Baggage Delay

200 per every 6 hours, up to 800

Loss of Advance Deposit due to Insolvency of Travel Agent

1,000

Accidental Death and Permanent Disablement

50,000
For Insured Person(s) between 18 to 70 years old, both inclusive
50,000
For Insured Person(s) below 18 or above 70 years old
25,000

24-Hour Worldwide Medical Emergency Assistance Hotline

Included

24-Hour Travel Advice Hotline

Included

Automatic Extension of Cover

Included
FromS$ 22.50
Buy now

International Travel Insurance (Return Trip)

Adventurous activitiesNo deductible

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Baggage

5,000
Per article, pair or set of items
500
One unit laptop computer and one mobile device
1,000
All photographic equipment
1,000
All golf equipment
1,000

Overseas medical expenses

350,000
Adult below 70 years
350,000
Adult 70 years & above
75,000
Child
150,000

Medical expenses in Singapore

10,000
Adult below 70 years
10,000
Adult 70 years & above
10,000
Child
10,000

Physiotherapy, chiropractic and traditional Chinese medicine expenses

100 per accident
Max. 600

Overseas hospitalisation daily benefit

200 per day
Max. 30,000

Medical & travel assistance services

Covered

Emergency medical evacuation and repatriation

Covered
Emergency medical evacuation
Covered
Sending you home after a medical emergency evacuation
Covered
Sending home your mortal remains
Covered

Letter of Guarantee (LOG) for overseas hospital admission

Covered

Compassionate and hospital visit

9,000

Child guard

9,000

Insolvency of licensed travel operator

2,000

Travel cancellation

10,000

Delayed departure

200 for every 8 hrs
Max. 1,000

Shortening the trip and travel disruption

10,000

Automatic extension of cover

Covered

Delayed baggage

200 for every 8 hrs
Max. 1,000

Accidental death and permanent total disability

40,000
Adult below 70 years
40,000
Adult 70 years & above
20,000
Child
20,000

Loss of travel documents and personal money

3,000
Personal money
300

Personal liability

1,000,000

Adventurous activities cover

Covered

Terrorism cover

Covered

Overseas medical expenses due to COVID-19

150,000

Emergency medical evacuation and repatriation due to COVID-19

Covered
FromS$ 28.00
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International Travel Insurance (One-Way Trip)

Terrorism coverNo deductible

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Baggage

5,000
Per article, pair or set of items
500
One unit laptop computer and one mobile device
1,000
All photographic equipment
1,000
All golf equipment
1,000

Overseas medical expenses

350,000
Adult below 70 years
350,000
Adult 70 years & above
75,000
Child
150,000

Overseas hospitalisation daily benefit

200 per day
Max. 30,000

Medical & travel assistance services

Covered

Emergency medical evacuation and repatriation

Covered
Emergency medical evacuation
Covered
Sending you home after a medical emergency evacuation
Covered
Sending home your mortal remains
Covered

Letter of Guarantee (LOG) for overseas hospital admission

Covered

Compassionate and hospital visit

9,000

Child guard

9,000

Insolvency of licensed travel operator

2,000

Travel cancellation

10,000

Delayed departure

200 for every 8 hrs
Max. 1,000

Delayed baggage

200 for every 8 hrs
Max. 1,000

Accidental death and permanent total disability

40,000
Adult below 70 years
40,000
Adult 70 years & above
20,000
Child
20,000

Loss of travel documents and personal money

3,000
Personal money
300

Personal liability

1,000,000

Terrorism cover

Covered
FromS$ 35.00
Buy now

What is baggage/personal effects cover

  • MSIG International Travel Insurance

    We will pay for accidental loss of or damage, occurring during the journey outside Singapore, to personal baggage, including clothing and personal belongings worn or carried on the insured person, trunks, suitcases and similar bags, photographic equipment, golfing equipment (golf clubs and bags belonging or on loan to each adult insured person) and one laptop computer and one mobile device, taken or owned by an insured person.

    Jewellery (including watches, items made of precious metal or stones), laptop computer, mobile device and photographic equipment must be transported under the insured person’s care as carry-on baggage during travel on public transport as we do not cover these items for loss or damage while transported as checked-in baggage.

    We may choose to pay or repair any damaged item after taking into account wear and tear and market value. We may not consider any loss in market value for electronic items bought within one year before the date of the accident if the insured person can produce evidence (for example, original receipts).

    If any item is proven to be beyond economical repair, we will deal with a claim under this section as if the item has been lost.

    For any loss or damage caused by public transport, accommodation or service provider, you must claim from the relevant parties first. When submitting claim to us, you must provide proof or denial of any compensation from the relevant parties.

    The most we will pay for any single item, or pair or set of items is $500 We will pay a maximum of one laptop computer and one mobile device per trip. For avoidance of doubt, mobile phones are not covered.

  • Chubb International Travel Insurance

    What Is Covered

    If, during the Period of Insurance, while You are on a Journey Overseas, You sustain loss or damage of Personal Property and Baggage and Money due to robbery, theft, burglary or any attempt thereof.

    Additional Conditions
    (a) The loss must be reported to the police or relevant authority having jurisdiction, or the transport provider where the loss occurred, within twenty-four (24) hours after the incident.
    (b) Any claim must be accompanied by a copy of a police report or a report issued by the relevant authority, or a Property Irregularity Report issued by the airline evidencing such loss.
    (c) The loss or damage of each article must be accompanied by proof of purchase such as but not limited to receipts, bank statements or credit card statements. If no proof of purchase is provided, We may decline the claim or accept it at a reduced value.
    (d) You must take every possible safeguard to ensure the security of Your Personal Property, Baggage and Money.
    (e) We will only pay for loss or damage of Your checked-in baggage that is tagged under Your name by the airline or service provider. Any claims that result from You losing Your baggage or it being damaged while being held by an airline or service provider should be made to the airline or service provider first and must be accompanied by proof of compensation received from the airline or service provider or where such compensation is denied, proof of such denial.
    (f) We may make payment subject to due allowance of wear and tear and depreciation or at Our option replace or repair such articles.
    (g) The indemnity for loss or damage should not be higher than the original purchase price


    What We Will Pay

    We will, at Our own discretion, pay, repair or reinstate up to the Benefit sub-limits or up to the maximum sum insured specified in the Benefit Schedule, subject to the terms and conditions of this Policy for:
    (a) any one (1) single item or a pair or a set of items;
    (b) one (1) camera or camcorder;
    (c) one (1) Portable Computer;
    (d) one (1) mobile phone;
    (e) Money and Travel Documents.

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We provide comprehensive protection at an affordable price. Over 1.9+ million customers have been protected in the past two years.
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Frequently asked questions

  • What is travel insurance?

    MSIG's International Travel Insurance (for Singapore residents only) is a comprehensive travel insurance underwritten by MSIG Insurance (Singapore) Pte. Ltd. It provides cover for COVID-19, overseas medical expenses, personal accident, overseas hospital daily benefit, emergency medical evacuation and repatriation, 24x7 Medical and Travel Assistance Hotline, travel inconvenience-related cover such as the loss of baggage and personal items, travel delays, cancellation, adventurous activities and more.
    Chubb's International Travel Insurance is underwritten by Chubb Insurance Singapore Limited (Chubb). It provides you with comprehensive coverage options including protection against trip delays or cancellations, medical expenses, personal accidents, and emergency assistance.

  • If I need emergency assistance while traveling abroad, who should I contact?

    In the case of an emergency, you need to contact the insurance company as soon as possible.
    MSIG International Travel Insurance: Please contact the 24-hour MSIG Assist Hotline at +65 6323 8288.
    Chubb International Travel Insurance: Please contact Chubb's 24-hour overseas emergency assistance hotline at +65 6836 2922.

  • If I'm not traveling to or from Singapore, or I'm only transferring in Singapore, can I take out insurance?

    MSIG International Travel Insurance: The insurance provides cover for trips originating from Singapore.
    Chubb International Travel Insurance: The insurance provides cover for trips originating from Singapore.

  • How many days of travel will I be covered for?

    MSIG International Travel Insurance: For a one-way trip, coverage will cease after you have cleared immigration at the destination country or upon the expiry of your travel insurance, whichever is earlier. For an individual return trip, the maximum trip duration is 45 days.
    Chubb International Travel Insurance: You will be covered for the period as stated in the Certificate of Insurance issued to you. For a one-way trip, the coverage period is up to 3 days per trip. For a return trip, the coverage period is up to 90 days per trip.

  • What are the age requirements for the policyholder?

    MSIG International Travel Insurance: The policyholder (also the "applicant") must be at least 18 years old on the policy application date.
    Chubb International Travel Insurance: Travel Insurance by Chubb: The policyholder (the person named as the policyholder in the Certificate of Insurance) must be between 18 and 75 years old on the date that the insurance is purchased.

  • What are the age requirements for insured people?

    MSIG International Travel Insurance: Insured persons must be at least 1 month old at the start of the insurance period. Insured children under the age of 12 years must be accompanied by a parent or adult guardian during the travel period.
    Chubb International Travel Insurance: The insured persons (persons identified as insured persons in the Certificate of Insurance) must be between 2 and 75 years old on the date that the insurance is purchased.

  • Can I take out insurance on behalf of someone else?

    MSIG International Travel Insurance: You can buy the International Travel Insurance (for Singapore residents only) for yourself, and for your relatives and friends, up to a maximum of 9 insured persons (including you) in the same application. The insured persons must travel as a group together on the same trip.
    Chubb International Travel Insurance: You can buy the International Travel Insurance for yourself, and for your relatives and friends, up to a maximum of 9 insured persons (including you) in the same application. The insured persons must travel as a group together on the same trip.

  • When will my insurance coverage begin?

    MSIG International Travel Insurance: Policy is effective as soon as travel insurance is issued. Insurance coverage will commence based on the insurance period shown on your Certificate of Insurance.
    Chubb International Travel Insurance: Your insurance cover will commence from the time you leave your place of residence in Singapore to go directly to the departure point, or three hours before the scheduled departure time of the carrier in which you have arranged to travel, whichever is later. The dates you are covered can be found in your Certificate of Insurance.

  • How are claims settled?

    If you want to make a claim, you need to contact the insurance company directly.
    MSIG International Travel Insurance: If you wish to file a claim, you have to do so within 30 days of the scheduled trip end date. You can submit your claim online together with all the supporting documents such as medical bills, medical report, and police report.
    Chubb International Travel Insurance: You can submit a claim online at Chubb website, within 30 days from the incident. For claim enquiries, contact Chubb at TravelClaims.SG@chubb.com or call +65 6299 0988 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays).
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