How Does Insurance Market Rate Travel Insurance Policies?


Every person is different and every trip is different. So how to evaluate Travel Insurance Policies and find the one that best meets your needs, preferably at the best price?

It is not so difficult because we are here to help. We have a wide selection of policies available for you that you can easily filter, compare and buy instantly online. Here are a few pointers before you start;

Major Types of Coverage

You may want to learn more about the types of coverage/benefits that are available or about the way in which we rate them. Here is a quick overview:

Personal Accident

The Personal Accident benefit is an essential element of travel insurance policies and pays in case of accidental death or permanent disability, which of course can cause much financial strain in the event of it occurring. You need it because when travelling you will be most likely doing activities and visiting places that are out of your usual routine. You go to strange places in unfamiliar ways, maybe even at strange times. This increases the chances of accidental injury.

Medical Expenses

The Medical Expenses benefit is also key and helps tackle any unexpected medical expenses that may come your way whilst on a trip and considering the high cost of the same in certain countries, it is essential to have. This coverage can even include treatment by TCM physicians, pregnancy related expenses, accommodation and/or transportation expenses.

Emergency benefits include evacuation which covers you if you need to be transported via air ambulance or other means of transportation to the nearest hospital or in the worst case, the cost of returning mortal remains to one’s home country or for a local burial.

Travel Inconvenience & Other benefits

Under Travel Inconvenience & Other Benefits you will find a variety of coverages such as baggage delay, loss of baggage and personal belongings, travel delay, trip interruption and flight misconnection.

How We Review And Rate

Every insurance company and every policy has different benefits and different coverage levels. This makes comparison of policies cumbersome without help. Our site has been specifically designed to make the process easy for you and help you select the best cover at the best price in minutes. So, how do we do that?

We have actually analysed every travel insurance policy word by word and compared them line by line. We have then reviewed and scored all of them, so as to make them comparable. So we have given every travel insurance policy a rating. You might find yourself asking how we do that. We do that by grouping the benefits and give each group a score. The entire policy is scored out of 110 points and we weigh the various elements that make up the total score as follows:

Personal Accident: 17 points

Within this group, most points are given for the general coverage provided by this benefit. The remaining points are distributed between other coverages like natural disaster, fare paying passenger in public transport and the schedule of compensation.

Medical expenses: 35 points

Under this section, medical expenses incurred overseas is given the major chunk of points.

Travel Inconveniences & Other Benefits: 45 points

Most points are given to adventure activities followed by other benefits such as personal liability, baggage and personal belongings to name a few. 

Emergency Benefits: 13 points

The benefits under this section offer cover when you are facing a life-threatening condition due to unexpected illness or injury. The highest score is given to emergency medical evacuation. The remainder is distributed between emergency medical repatriation, repatriation of mortal remains and general coverages such as emergency dental expenses, hospital visit etc. 

Best Value for Money

All travel insurance policies are different from the other and no single policy offers coverage for everything, but we want you to get a policy that best meets your needs, at the best price. We do that by first letting you filter the policies to prioritise those that meet your requirements. For each we then show the quality by a “coverage score” and then compare that score with the price. That is how we calculate what we call the ”value for money score”. So in principle the policy with the highest Value for Money score is the one for you to buy, provided it meets your budget requirements. If it is too expensive, you may need to trade down a little.

Ready to buy a Travel Insurance policy?

Then come on over to our Travel Insurance comparison pages and look for a policy that’s right for you. A click of a button is all it takes to get yourself important financial protection and most of all; some peace of mind!



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Register now

  • Get discounts the moment they are live
  • Save time due to autofill of your info
  • 24/7 access to your policies online
  • Control your spend on insurances
  • We are based in Singapore
  • All your information is safe and secure