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Starr Insurance Singapore is part of the Starr Insurance Companies group, one of the world’s leading travel insurance companies with a global presence across 128 countries on 6 continents. And if you are into American baseball, you would have noticed that it has been quite active in terms of branding, being the official travel insurance company of the New York Yankees for years.
Starr TraveLead Travel Insurance is its signature range of travel insurance, comprising three types of plans — TraveLead Bronze, TraveLead Silver and TraveLead Gold, all of which you can personalise and include COVID-19 medical expenses and COVID-19 related trip cancellation coverages.
From the high medical expenses coverage of up to $1,000,000 including in and outpatient treatments abroad, to personal accident benefit of up to $500,000 for accidental death and disablement, Starr Insurance Singapore will have you covered, whether you’re a seasoned explorer or a first-time traveller.
Here’s a quick review of its range of products and services, the pros and cons, and how it stacks up against other travel insurance providers.
With a high coverage of a range of medical expenses, the Bronze, Silver and Gold plans provide reimbursement of the actual expenses of up to $1,000,000 (depending on the type of plan you pick) for treatment of injury and sickness occurred during an overseas trip, up to $50,000 for any follow-up (post-trip) medical treatment in Singapore reasonably incurred within 30 days of your return, overseas hospital cash of $200 per day and up to $15,000 per trip, compassionate accidental death indemnity of up to $5,000 in cash, and even for $100 per visit for chinese medicine and physiotherapy treatments.
If you contracted COVID-19) during your trip, Starr Insurance will reimburse you the costs incurred including consultation of a physician or doctor, hospital stays and/or land ambulance service for medical, surgical, X-ray, hospital or nursing treatment of up to $20,000 per person for Bronze plan, $40,000 per person for Silver plan and $67,000 for Gold plan.
Supported by Assist Card which is one of Starr Companies group of subsidiaries, Starr Insurance Singapore’s 24-hour Global Emergency Assistance Services has over 400,000 service providers in 197 countries around the world, standing by round-the-clock to get you the help you need, such as helping you out when you lose your travel documents or your belongings, suffer a cancellation or delay of flight, hospital admission guarantee of up to $7,000 for your urgent medical conditions, unlimited claims for repatriation of mortal remains and more.
Unlike most insurers who have a coverage limit for emergency medical evacuation and repatriation, Starr Insurance provides unlimited coverage of emergency evacuation and repatriation for all of their plans. So in the event you suffer some sort of serious injury or sickness when you’re overseas, you’ll be able to get all the help you need without worrying about forking out more.
Be reimbursed through PayNow, which saves you the time of waiting for what you’re entitled to claim for, after your claims submission via Starr Insurance’s online claims portal has been approved.
Once there’s any interruption, cancellation or delay of your cruise trip for at least 8 hours due to unforeseen circumstances, you’ll be able to claim up to $6,000 for the losses incurred, and this benefit applies to all types of plans.
Benefits include:
The most basic of all Starr’s travel insurance plans, the Bronze package covers you for medical expenses incurred of up to $200,000 for medical treatment during an overseas trip, up to $15,000 for any follow-up (post-trip) medical treatment upon your return, overseas hospital cash of $200 per day, as well as coverage for travel delay, trip cancellation, overbooked flight, personal money and belongings.
Benefits include:
A decent step up from the Bronze tier, the Silver plan gives you more benefits including more than double the coverage for medical expenses, loss of home contents due to burglary, and more.
Benefits include:
For an all-encompassing coverage, Starr Insurance’s Gold plan ensures that you, your travel companions and your travel bookings are well insured, with the maximum claim cap of a million dollars for medical treatments overseas and upon return to Singapore, up to $9,000 for hospitalisation of your travel companion who is a relative or friend, $4,000 for loss of important documents, and even up to $1,000,000 for personal liability coverage.
Get up to $2,100 for your vehicle which is stolen, damaged or involved in a collision while you’re driving overseas.
You’ll be able to claim up to $6,000 for cruise cancellation and interruption in the event when the cruise trip gets delayed for at least 8 hours due to inclement weather, natural disasters, equipment failure, and other unforeseen circumstances. What’s more, there’s additional $3,000 coverage for additional trip cancellation and interruption due to reasons such as death, serious injury/illness of your travel companion, and another $200 for emergency satellite phone call expenses onboard the cruise.
If you’re going for scuba diving, coverage for scuba dive tour and diving equipment is about $300 to $2,500 per person per trip, while for snow sports, it ranges from $250 to $850 ($85 per day, per person) for a missed booking due to serious injury or illness, piste closure due to weather conditions, and lost/damaged/delayed equipment hire.
Be reimbursed with up to $15,000 for the physical loss of or damage to the home contents within your house in Singapore due to burglary.
Firstly, you’ve got to be clear of what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved, before you make a claim.
Whether it is for your COVID-19 medical expenses or stolen baggage, Starr requires claim reports to be made within 30 days of the incident via their online claims portal using your mobile phone, tablet or computer. It is advisable to do it within 30 days so as to avoid breaching the policy’s terms and conditions, which may affect your claim process.
In order to make a claim, you’ll need to provide all documentation to provide a full context of the incident and make it faster for Starr Insurance to assess your claim or claims. They will usually require:
If you’re unsure of what documents are needed, you may refer to Starr Insurance Singapore’s claim documentation guide.
Fill in the necessary details and upload all the supporting documents you’ve prepared through Starr Insurance’s online Claims portal or by email or post. If you’re doing it by email, you have to download their claim form from starrinsurance.com.sg/claim and email the completed claim form and relevant documents to: [email protected]. Alternatively, you can mail them to 138 Market Street, #16-04, CapitaGreen, Singapore 04894.
You’ll receive an acknowledgement email upon receipt of the claim submission.
Starr Insurance Singapore’s claims department will process the claim upon receipt of all documents and the necessary payment will be made to you via PayNow or other preferred modes of payment.
Once you’ve decided to cancel your Starr travel insurance policy, you may be eligible for a full or pro-rated refund of your premium if your request for a refund is within your insured period, or if your tour operator/cruise line/airline/cancelled your trip, while also considering that it is before your trip started and you have not filed a claim before.
Call +65 3158 7515 for general enquiries (9am to 5pm on weekdays) or +65 3158 2536 for emergency assistance (24/7). Alternatively, email Starr Insurance Singapore at [email protected] or call +65 3158 7515 for assistance on claims submission.