🌏 TM Travel Trust - Peace of Mind Wherever You Go

TM Travel Trust by Tokio Marine covers 43 travel scenarios, from flight delays to major medical emergencies. Whether you are travelling for business or leisure, you get round-the-clock emergency assistance overseas and protection for you and your loved ones until you are safely home.

Four Ways to Cover Your Travels

Single Trip: covers one trip of up to 183 consecutive days. Available to adults aged 18 to 89 (next birthday).
Annual (Multi-Trip): unlimited trips for a full year, up to 90 days per trip. Available up to age 79 (next birthday).
Family: covers 1 or 2 adults travelling with up to 3 children. The family must travel and return together.
Group: covers you and your declared travel companions aged 21 to 70.

Choose Your Level of Cover

TM Travel Trust comes in three levels: Standard, Classic and Premier. Standard covers the essentials, Classic adds Singapore follow-up medical, pregnancy and lifestyle benefits, and Premier gives you the highest limits across every section.

Why TM Travel Trust

Up to S$500,000 overseas medical cover and up to S$1,000,000 emergency medical evacuation.
COVID-19 cover included on all plans, including overseas medical, evacuation and repatriation.
Adventure sports covered as standard.
Optional Pre-existing Medical Condition Extension available on Classic and Premier.
Extras like home contents, pet care, golfer's cover and rental vehicle excess on Classic and Premier.
Choose Zone A (Asia, Australia and New Zealand) or Zone B (worldwide) to match your destination.

Good to Know

You must be in good health and medically fit to travel when you buy the policy. Pre-existing medical conditions are not covered unless the optional extension is purchased.

For Single Trip cover, premiums are not refundable once cover has started. If your return is delayed by a covered event beyond your control, cover is extended free of charge for up to 14 days.

Trips made for the purpose of obtaining medical treatment are not covered. Full terms are set out in the policy wording.

What TM Travel Trust covers

Benefit	Standard	Classic	Premier
Your well-being
Medical expenses overseas	S$175,000	S$300,000	S$500,000
Medical expenses in SingaporeFollow-up after treatment overseas	Not covered	S$15,000	S$25,000
Chinese physician / chiropractor	Not covered	S$300	S$500
Overseas hospital allowanceS$200 per day	Up to S$7,500	Up to S$15,000	Up to S$25,000
Emergency medical assistance & evacuation	S$250,000	S$500,000	S$1,000,000
Repatriation expenses	S$10,000	S$20,000	S$30,000
Accidental death & permanent disablement	S$100,000	S$200,000	S$300,000
COVID-19 medical expenses overseas	S$50,000	S$100,000	S$200,000
Your travel plans
Trip cancellation	S$2,500	S$5,000	S$10,000
Trip curtailment	S$3,500	S$7,500	S$15,000
Travel agency insolvency	S$3,500	S$7,500	S$15,000
Travel delayS$100 per full 6 hours, overseas	Up to S$500	Up to S$800	Up to S$1,200
Missed flight connection	S$100	S$200	S$300
Your belongings
Personal baggage & effects	S$2,500	S$5,000	S$7,500
Baggage delay	Up to S$500	Up to S$800	Up to S$1,200
Travel documents	S$1,500	S$3,000	S$5,000
Loss of personal money	S$100	S$300	S$750
Extra protection
Personal liability	S$250,000	S$500,000	S$1,000,000
Rental vehicle excess	Not covered	S$700	S$1,500
Home contentsFire or theft while you are away	Not covered	S$5,000	S$10,000
Adventure sports	Covered	Covered	Covered

Limits shown are per insured person (below 70 years old) per trip. Lower limits apply to insured persons aged 70 to 89 and children under the Family Plan. Sub-limits and family aggregate limits apply. For all 43 benefits, refer to the brochure.

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Pre-existing Medical Condition Extension (optional)

Benefit	Classic	Premier
Medical expenses overseas	S$150,000	S$250,000
Emergency medical assistance & evacuation	S$150,000	S$200,000
Repatriation expenses	S$10,000	S$15,000
Trip cancellation50% co-payment per claim	S$2,500	S$5,000
Maximum aggregate benefit per insured	S$200,000	S$400,000

Available for Single Trip policies only, for insured persons up to 75 years old, for trips of up to 30 days. Additional premium applies.

Available for Single Trip policies only, for insured persons up to 75 years old, for trips of up to 30 days. Additional premium applies.

Your destinations

Zone	Countries covered
Zone A	Malaysia, Thailand, Indonesia, Brunei, Philippines, Vietnam, Laos, Myanmar, Cambodia, China (excluding Tibet), Hong Kong, Macau, Japan, Taiwan, South Korea, India, Sri Lanka, Australia and New Zealand
Zone B	Zone A plus the rest of the world, excluding Afghanistan, Cuba, Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine

Underwritten by Tokio Marine Insurance Singapore Ltd. This policy is protected under the Policy Owners' Protection Scheme administered by SDIC. Refer to the policy wording for full terms, conditions and exclusions.

Application Procedure

01 Choose the Plan

Choose the type of plan that suits your needs.

02 Complete Proposal Form

Proposal Form

Complete the Proposal Form and Email or WhatsApp us.

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Please complete the Proposal Form(if any) and send it to us via Email or WhatsApp.

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