Overseas medical & evacuation
This is the part that matters most and the part travellers most often underestimate. A hospital stay in Japan, Australia or the United States can run into tens of thousands of dollars, and a medical flight home costs more again. Roamsure’s medical and evacuation cover is sized to the region you’re visiting — capped on Essential for short ASEAN trips, a million dollars on Explorer, and unlimited on Premier where the bills can be limitless.
Trip cancellation & cutting short
If illness, an accident, a family emergency or another covered event forces you to cancel before you fly — or to come home early once you’ve gone — this gives you back the flights, hotels and tours you’ve already paid for. The limit rises with the tier so a costlier itinerary is properly protected. It only counts for things that happen after you buy, which is why buying early matters.
Baggage, delays & gadgets
Lost, stolen or damaged baggage, delayed bags that leave you buying essentials, missed connections and long airport waits — all covered, with a single-item limit that matters if you travel with a laptop or camera. Explorer and Premier carry usable gadget limits, and our Gadget add-on raises them further for travellers who carry their whole office in a backpack.
Covid-19 & round-the-clock help
Covid-19 overseas medical treatment is built into every Roamsure plan as standard — if you’re hospitalised abroad, your cover responds the same as for any other illness. And behind every plan sits a genuine 24-hour overseas emergency line you can call at any hour for a hospital, a stolen passport or a flight gone wrong. A real person, not a chatbot.
Single-trip limits, tier by tier
The headline coverage limits side by side, so you can see exactly where the extra premium goes.
| Benefit | Essential | Explorer | Premier |
|---|---|---|---|
| Overseas medical & hospital | S$250,000 | S$1,000,000 | Unlimited |
| Emergency evacuation | S$500,000 | S$1,000,000 | Unlimited |
| Trip cancellation | S$2,500 | S$7,500 | S$15,000 |
| Baggage & personal effects | S$3,000 | S$6,000 | S$10,000 |
| Travel delay (per 6 hrs) | S$100 | S$200 | S$300 |
Optional add-ons
The extra cover for the trips standard plans leave out. Add only what your trip needs.
Adventure & winter sports
Covers skiing, diving, trekking above 3,000m, bungee and the activities standard plans exclude.
Cruise protection
Cabin confinement, missed port departures and onboard medical evacuation cover for sailings.
Gadget & device cover
Higher single-item limits for phones, laptops, cameras and the gear you travel with.
Cancel-for-any-reason boost
Raises trip-cancellation limits and widens the reasons you can claim a cancelled trip on.