TM Travel Protector Annual

TM Travel Protector Annual is a travel insurance plan from Tokio Marine Insurance Singapore, available to residents of Singapore. Sum insured ranges from varies, eligible ages 0 to 70, and the policy is annual. Below is our take on how it compares to other travel plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at S$158, against a category median of S$150 across the 5 comparable travel plans we track in this country. That places TM Travel Protector Annual in the upper-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most travel plans offer: 6 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Tokio Marine Insurance Singapore include Tokio Marine Japan, Unlimited trips yearly, and COVID-19 covered. On the rider side, TM Travel Protector Annual can be extended with Adventure activities and Golf — each adding to the base premium but also widening what the policy will pay out for.

Travel insurance is the simplest insurance product to compare on paper and the easiest to misjudge in practice. TM Travel Protector Annual covers a typical mix of medical emergencies abroad, trip cancellation, lost baggage, and personal liability — what differentiates good travel cover from bad is the medical evacuation limit and the named exclusions for adventure activities. Single-trip cover is generally cheaper per day than multi-trip annual cover, but if you take more than three international trips a year the multi-trip almost always wins. Read the medical exclusions before you buy: pre-existing conditions are commonly excluded by default, and adventure activities (skiing, scuba, trekking above 4,000m) often need a paid rider.

Where TM Travel Protector Annual explicitly will not pay: Pre-existing conditions, Extreme sports, and War. These are not unusual exclusions for a travel plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.