Is DirectAsia Travel Insurance Good Value in Singapore in 2026?

DirectAsia travel insurance is good value for many Singapore travellers in 2026, especially families and seniors, because one plan gives everyone the same strong limits. According to DirectAsia, its Voyager plan includes S$500,000 of overseas medical cover per traveller, trip cancellation cover you can set up to S$20,000, and S$5,000 for belongings, with no lower limits for children or seniors. It suits travellers without pre-existing conditions best.

New to ShopBack? ShopBack Singapore is a free app and website that returns cash on purchases when you start from ShopBack before you pay. DirectAsia is one of the insurers you can buy from this way. Join ShopBack Singapore for free, then open the DirectAsia page on ShopBack before you get your quote.

How we checked. Every cover limit, rule and phone number below is from DirectAsia's own pages (travel insurance, plan limits, single trip, annual trip and travel claims), all at the time of writing in October 2026. We do not quote premiums, because they depend on your trip, region and travellers.

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The verdict

DirectAsia is a solid, good value pick if you want one plan, equal cover for every age and the freedom to set your own cancellation limit. The base limits are generous for a single tier, and the optional benefits let you pay only for things you need, such as ski cover or rental car excess. It is a weaker fit if you need cover for a known medical condition, if anyone travelling is 81 or older, or if you are buying within 72 hours of departure and want cancellation cover.

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What DirectAsia travel insurance covers in 2026

DirectAsia sells one comprehensive travel plan, called Voyager, as a Single Trip or Annual Trip policy. These are the main limits on DirectAsia's plan limits page, per insured person per trip:

Benefit	Limit (DirectAsia Voyager)
Overseas medical expenses	S$500,000 (upgrade to S$750,000 available)
Medical follow-up in Singapore	Up to S$20,000, sought within 48 hours of return
Emergency evacuation and repatriation	Up to S$1,000,000
Trip cancellation and disruption	Your chosen limit, up to S$20,000
Travel delay	S$50 per 3 hours, up to S$1,000
Belongings	Up to S$5,000, S$500 per item
Laptops and electronics	Up to S$1,000 in total
Accidental death and permanent total disability	Up to S$300,000
Personal liability	Up to S$1,000,000

DirectAsia says adults, children (15 days to below 18 years) and seniors (71 to below 81 years) all receive the same limits. Some travel policies set different limits by age, so this is a real point of value for families travelling with grandparents.

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Is DirectAsia travel insurance good value?

Yes, for most leisure travellers from Singapore, because the base plan is strong and the cancellation cover is adjustable, so you do not pay for cover you will not use. Value in travel insurance is not only the price. It is what the policy will pay when something goes wrong, and how easy it is to claim.

What works in DirectAsia's favour:

• Equal limits for all ages. Seniors up to 80 get the same S$500,000 medical cover as everyone else, according to DirectAsia.
• Adjustable trip cancellation. You pick a limit up to S$20,000 to match what you have prepaid, instead of buying a fixed high tier.
• Strong evacuation and liability cover. S$1,000,000 for each, kept separate from the medical limit.
• Clear delay payouts. S$50 for every 3 hours of delay, with worked examples on DirectAsia's own site.
• Pick-what-you-need optional benefits (see below).

Where it may be less good value:

• Pre-existing conditions. DirectAsia says these are not covered unless your Certificate of Insurance says so. If that matters to you, compare policies that state they cover them.
• Late purchases. Trip cancellation and postponement cover only applies if you buy at least 72 hours before departure.
• Valuables in checked bags. DirectAsia says laptops, cameras, jewellery and phones must be carried as hand luggage; if checked in and lost, they are not covered.
• Unattended items. Things left unattended in public places are not covered.

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DirectAsia Single Trip vs Annual Trip: which is better value?

DirectAsia's own guidance is that a Single Trip plan usually suits one or two trips a year, and an Annual Trip plan often works out cheaper from three trips a year. Premiums vary by region, travellers and optional benefits, so get a quote for both before you decide.

How the Annual Trip plan works, according to DirectAsia:

• Unlimited trips per year, each up to 90 consecutive days.
• Limits reset for each trip, so the S$500,000 medical cover applies to every journey.
• Region based. You pick South East Asia; East Asia, Australia and New Zealand; or Worldwide. DirectAsia suggests the East Asia region if you mostly travel in South East Asia but sometimes go to Japan or Australia.
• Automatic renewal, which you can cancel any time before it renews.
• Optional benefits can be added before individual trips during the policy year, while a Single Trip plan needs them chosen at purchase.

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Is DirectAsia legit and safe?

DirectAsia is an established general insurer in Singapore: it is the trading name of Auto & General Insurance (Singapore) Pte. Limited, registration number 201626103G, a member of the Auto & General group. DirectAsia's site states that its policies are protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC), and points to the GIA and SDIC websites for details on what the scheme covers.

DirectAsia has an office at 16 Raffles Quay, #29-01 Hong Leong Building, Singapore 048581, open by appointment only, and also sells car and motorcycle insurance. If you want to double check any insurer, you can search its name in the Monetary Authority of Singapore's Financial Institutions Directory.

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DirectAsia reviews, complaints and Trustpilot: what to read

Reviews of DirectAsia are spread across its own website, Trustpilot and Google, and the useful ones are recent reviews about claims. Overall scores move over time, so we do not quote them here. When you read reviews:

• Filter for claims. A smooth purchase says little; how a claim was handled says a lot.
• Look at payout time and documents. Many complaints about any insurer come down to missing documents or an exclusion.
• Check the exclusion behind a complaint. Pre-existing conditions, unattended items and advance notice of a flight change are common reasons for a declined claim under most policies, including DirectAsia's.
• Read the policy wording yourself. DirectAsia links its full travel policy wording from its plan limits page.

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DirectAsia official refund policy and customer service

DirectAsia's travel claims FAQ says you are not entitled to a premium refund if you have reported a claim or DirectAsia has paid one during the policy period. For Annual Trip plans, DirectAsia says the policy renews automatically and you can cancel any time before renewal. For anything else, such as cancelling a Single Trip policy before you travel, check the refund terms in the policy wording or ask customer service before you buy.

DirectAsia's contact details at the time of writing:

• General enquiries: 6665 5555, Monday to Friday, 9am to 6pm.
• Claims hotline: 6532 1818, Monday to Friday, 9am to 5pm.
• Overseas assistance and emergencies: +65 6991 3555.
• Policy extension: DirectAsia says you can extend a Single Trip policy if you contact it before the policy end date and nothing has happened that might lead to a claim.

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How to make a DirectAsia travel claim

Submit DirectAsia's Online Travel Claims Form within 30 days of returning from your trip, with proof of travel and the documents for your claim type. DirectAsia lists these examples:

• Medical: medical invoices, reports and other medical documents.
• Lost or damaged belongings: a police or transport provider report made within 24 hours, the airline's baggage report, photos and receipts.
• Delays: the flight delay notice, or the delay report for baggage.
• Trip cancellation: a doctor's written advice that you were unfit to travel, booking receipts and the airline or agent's refund decision.
• Rental car excess: the rental agreement, damage report and receipt for the excess paid.

DirectAsia also says you must first seek refunds from airlines, hotels and other providers where available, and keep the evidence if they refuse.

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DirectAsia optional benefits worth considering

DirectAsia offers five optional benefits you can choose when you buy, so you only pay for cover that fits your trip. According to its plan limits page:

• Adventure cover for activities such as skiing, diving and trekking.
• Sports equipment up to S$2,000, for golf clubs, dive gear, skis and bikes.
• Special events up to S$2,500, if transport disruption stops you reaching a booked concert, match or wedding.
• Medical cover upgrade from S$500,000 to S$750,000, designed for long-haul trips.
• Rental car excess up to S$5,000, useful for road trips in Australia, New Zealand or Europe.

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Other travel insurers on ShopBack Singapore

DirectAsia sits alongside other travel insurers you can buy through ShopBack Singapore, including FWD, Income, MSIG, Etiqa, Singlife and Starr. Each sets its own plans and exclusions, so compare the medical limit, cancellation limit, age rules and pre-existing condition cover for your trip before you choose.

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Why ShopBack is a step before you buy

Before you buy your DirectAsia policy, open ShopBack Singapore, tap DirectAsia and complete the purchase. ShopBack works like an automatic cash discount on your online order. The same habit applies to the rest of the trip: before you book a hotel on Booking.com or Agoda, go through ShopBack first.

Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

Your effective price is your premium minus the Cashback, at the rate shown on the store's ShopBack page. Check the live rate on the DirectAsia page on ShopBack before you buy.

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Step by step: buying DirectAsia travel insurance

1. Book your flights and hotel first, so you know your dates and prepaid costs.
2. Decide between Single Trip and Annual Trip, and pick the region.
3. Open the DirectAsia page on ShopBack Singapore and tap through.
4. Set your trip cancellation limit to match your prepaid costs, and choose any optional benefits.
5. Read the policy wording for exclusions, especially pre-existing conditions.
6. Pay at least 72 hours before departure if you want cancellation cover.

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Frequently asked questions

Is DirectAsia travel insurance good value?

For many Singapore travellers, yes, especially families and seniors up to 80. According to DirectAsia, its Voyager plan gives every traveller S$500,000 of overseas medical cover, trip cancellation cover you can set up to S$20,000, and S$5,000 for belongings, with the same limits for adults, children and seniors. It is weaker if you need cover for a pre-existing condition, which is excluded unless your certificate says otherwise.

Is DirectAsia a legit and safe insurer in Singapore?

DirectAsia Insurance is the trading name of Auto & General Insurance (Singapore) Pte. Limited, registration number 201626103G, which says it is a member of the Auto & General group. Its website states that its policies are protected under the Policy Owners' Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC).

What does DirectAsia travel insurance cover?

According to DirectAsia's plan limits page, the Voyager plan covers overseas medical expenses up to S$500,000, emergency evacuation and repatriation up to S$1,000,000, trip cancellation and disruption up to your chosen limit of up to S$20,000, belongings up to S$5,000, travel delay at S$50 per 3 hours up to S$1,000, and personal liability up to S$1,000,000, per insured person per trip.

Should I buy DirectAsia single trip or annual travel insurance?

DirectAsia says a Single Trip plan is usually simpler and cheaper if you travel once or twice a year, while an Annual Trip plan often works out better if you travel three or more times a year. The annual plan covers unlimited trips of up to 90 consecutive days each within the region you choose.

What is DirectAsia's refund policy?

DirectAsia's travel claims FAQ says no premium refund is given if you have reported a claim or DirectAsia has paid a claim during the policy period. Annual plans renew automatically, and DirectAsia says you can cancel any time before renewal. For any other cancellation, read the refund terms in the policy wording or call customer service.

How do I contact DirectAsia customer service?

DirectAsia lists 6665 5555 for general enquiries, Monday to Friday, 9am to 6pm, and 6532 1818 for its claims hotline, Monday to Friday, 9am to 5pm. For overseas emergencies it lists +65 6991 3555. Its office is at 16 Raffles Quay, Hong Leong Building, by appointment only.

How do I make a DirectAsia travel insurance claim?

Use DirectAsia's Online Travel Claims Form, which it says must be submitted within 30 days of returning from your trip. Keep proof of travel such as your itinerary or boarding passes, plus the documents for your claim type, for example medical reports and invoices, a police report made within 24 hours for theft, or the airline's delay notice.

Where can I read DirectAsia reviews?

DirectAsia publishes customer reviews on its own website, and you will also find reviews on independent sites such as Trustpilot and Google. Scores change over time, so read the most recent reviews and focus on how claims were handled, how long payouts took and whether the reviewer had read the exclusions.

When should I buy DirectAsia travel insurance?

Buy it when you book the trip. DirectAsia says trip cancellation and postponement cover only applies if you buy the policy at least 72 hours before your scheduled departure, and a Single Trip plan cannot be bought once you have left Singapore.

How does ShopBack work with DirectAsia travel insurance?

Open ShopBack Singapore, tap DirectAsia, and buy your travel policy. ShopBack works like an automatic cash discount on your online order. The live rate is shown on the DirectAsia page on ShopBack.

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Key takeaways

• Good value for most leisure travellers: S$500,000 medical, up to S$20,000 adjustable cancellation and S$5,000 belongings per traveller, according to DirectAsia.
• Equal limits for all ages, with seniors covered up to 80.
• Single Trip for one or two trips a year, Annual Trip from about three, per DirectAsia's own guidance.
• Legit: run by Auto & General Insurance (Singapore) Pte. Limited, with policies under the SDIC-administered Policy Owners' Protection Scheme.
• Claims: online form within 30 days of returning; no premium refund once a claim is reported or paid.
• Buy it through ShopBack Singapore before you pay.

Get your DirectAsia travel policy through ShopBack Open DirectAsia from ShopBack, then buy.

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Cover limits, exclusions, optional benefits, contact details and ShopBack rates change over time. Facts were checked against DirectAsia's website and the DirectAsia page on ShopBack Singapore at the time of writing in October 2026. Always read the current policy wording before you buy.

This article is for general informational purposes only and should not be considered professional financial, insurance or travel advice.