Question 1

Is the Insured Person required to pay the co-payment or deductible?

Accepted Answer

The Insured person does not need to pay for the co-payment or deductible.

Question 2

What is the maximum coverage period of a trip for Bubblegum Travel Insurance?

Accepted Answer

The maximum coverage period of a trip is 180 consecutive calendar days for a single trip travel insurance plan.

Question 3

What is the age limit for Bubblegum Travel Insurance?

Accepted Answer

Bubblegum Travel Insurance is for all ages. You must be 18 years old and above to apply for/purchase a travel insurance policy and may purchase a policy for a minor online.

Question 4

If children under 18 years old are not travelling with parents or guardians, can they enrol for Bubblegum Travel Insurance?

Accepted Answer

Yes, parents or guardians can apply for Bubblegum Travel Insurance for children who are travelling alone.

Question 5

Can I extend the policy period, after I have commenced travelling?

Accepted Answer

In the event the trip has to be extended due to unforeseen circumstances, the travel insurance coverage shall be automatically extended until the Insured person’s return to Singapore, subject to a maximum of seven (7) days at no additional premium.

Question 6

Can I cancel the policy?

Accepted Answer

As Bubblegum currently only offers a single-trip travel insurance policy (defined as a short-term policy covering a specific trip, usually commencing from and returning to Singapore), no changes, cancellations, or refunds shall be made once the premium is paid.

Question 7

Will this policy pay if I have other insurance plans covering this loss or expenses incurred?

Accepted Answer

If any loss, damage or legal liability covered under this Policy is also covered by any other insurance, we shall not be liable under this Policy except for any excess beyond the amount payable under such other insurance, provided that the benefit of Accidental Death and Disablement, Overseas Hospital Cash and Travel Delay shall not be limited by the foregoing limitation. (This applies to the case whereby insured hold both a travel insurance and a personal accident policy.) The Insured can claim Accidental Death and Disablement coverage for both travel and personal accident policies.

Question 8

Who is the beneficiary? Can I assign a beneficiary?

Accepted Answer

Any indemnity related to accidental death shall be payable to the Insured person’s estate. All other indemnities shall be payable to the Insured person.

Question 9

Can I purchase Bubblegum Travel Insurance after I arrive at my destination?

Accepted Answer

No, any travel insurance purchased after you have commenced your journey and departed Singapore is considered invalid. Please purchase the insurance before you proceed beyond the Singapore immigration counters. The policy effective date must be the same as or before the insured person’s departure date from Singapore.

Question 10

What is the difference between Southeast Asia, Asia Pacific and Worldwide plan?

Accepted Answer

The coverage differs based on your destination. Please refer the countries covered within each category below.
Southeast Asia includes Brunei Darussalam, Malaysia, Cambodia, Indonesia Laos, Myanmar, Philippines, Thailand, and Vietnam.
Asia Pacific includes all ASEAN countries as well as Australia, Bangladesh, Bhutan, China (excluding Tibet), Fiji, Guam, Hong Kong, India, Japan, N. Korea, S. Korea, Sri Lanka, Mongolia, Macau, Maldives, New Zealand, Pakistan, Papua New Guinea, E. Timor, and Taiwan, as well as other Pacific nations.
Worldwide : All destinations worldwide.

Question 11

Am I covered for amateur hazardous sports?

Accepted Answer

Our travel insurance provides international coverage for amateur hazardous sports such as hot air ballooning, scuba diving, sky diving, skiing and other extreme sports with no restriction on height or depth.
Exclusion on amateur hazardous sports:
Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured person would or could earn income or remuneration from engaging in such sport as a source of income.

Question 12

Am I covered for Marathon competitions?

Accepted Answer

No, this policy does not cover any loss, injury, damage or liability suffered and/or sustained by or arising directly or indirectly as a result of or in connection with riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured person would or could earn income or remuneration from engaging in such sport as a source of income, such as participation in Marathon events.

Question 13

Will this policy provide cover for business trip?

Accepted Answer

Yes, Bubblegum's Travel Insurance Policy is applicable to leisure and business travel. With regard to business travel, this Policy shall only apply to a Trip undertaken for the purpose of carrying out professional, managerial, clerical and/or administrative tasks.

Question 14

Am I covered if I’m pregnant?

Accepted Answer

For pregnant women, please take note that this travel insurance policy does not cover loss, Injury, damage or liability suffered and/or sustained by or arising directly or indirectly as a result of or in connection with pregnancy, miscarriage or childbirth; or any injury or sickness associated with pregnancy, miscarriage or childbirth.

Question 15

What is a Common Carrier?

Accepted Answer

"Common Carrier" means any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire.
"Common Carrier Operator" means a company or an individual that operates a Common Carrier and is licensed to carry passengers for hire.
This terminology is used because we cover cruises and other transportation methods

Question 16

Can a tourist purchase a Bubblegum Travel Insurance policy?

Accepted Answer

Yes! As long as your trip begins and ends in Singapore, you’re covered. Safe travels!

Question 17

I hurt my back during the trip, so I went to a clinic overseas and was treated with acupuncture and medicine. Does this policy cover these costs? Are there any limits to my coverage?

Accepted Answer

Unfortunately acupuncture and chiropractic care are not eligible for claim.     Overseas and follow-up medical coverage only applies to expenses paid to a physician or doctor qualified by degree in western medicine.     For more details on the definition of \"physician or doctor\", please view Page 15 of the full policy wording.

Question 18

Does this policy cover pre-existing medical conditions?

Accepted Answer

No it does not. This policy does not cover loss, Injury, damage or liability suffered and/or sustained by or arising directly or indirectly as a result of or in connection with any pre-existing condition, or any complications or conditions arising therefrom.     “Pre-existing Condition” means the condition for which the Insured person received or was recommended by a Physician or Doctor for any treatment, diagnosis, consultation or prescribed drugs, or the signs or symptoms of which the insured person was aware or should reasonably have been aware within twelve (12) consecutive months immediately prior to the Policy’s effective date.

Question 19

I felt sick on the way back to Singapore, so I went to the doctor the day after I arrived in Singapore. Is this medical expense eligible for reimbursement under this policy?

Accepted Answer

No, this is not eligible for reimbursement.

Question 20

What number can I call in an emergency?

Accepted Answer

When you are overseas and in need of emergency assistance during the policy period, you can contact our 24-hour global emergency assistance service at (65) 3158 2536.

Question 21

Will Starr Global Emergency Assistance Services pay for the flight ticket and hotel costs if my relatives or friends come to visit when I am injured in hospital?

Accepted Answer

No.

Question 22

Are there restrictions on coverage for children under 18 or adults over 70?

Accepted Answer

If the Insured Person is under 18 or over 70 years of age at the time of Accident or Sickness, the maximum sum insured for Medical Expenses and Accidental Death and Disablement stated in the Schedule of Benefits shall be restricted to 50% or up to a maximum of $75,000, whichever is lesser.

Question 23

Do you cover physiotherapy? What are the terms and conditions for claiming a physiotherapy session with a doctor’s referral?

Accepted Answer

Yes, physiotherapy is covered under Medical Expenses if:
- You are referred by a recognised medical practitioner
- There is a medical necessity for treatment.

All claims are subject to approval under policy terms. Treatments beyond the doctor’s recommendation may not be covered.

Question 24

If my flight/ship was delayed due to “bad weather”, can I claim for the delay?

Accepted Answer

You may refer to the section of your policy regarding Travel Delay. If the actual departure or arrival time of the Common Carrier is delayed due to listed reasons stated in the policy wordings, you may claim for cash benefit which is payable per 6 hours of delay subject to the policy.     Kindly note that the policy only covers delays due to listed reasons in the policy. Therefore, it is essential to provide proof of delay with reasons issued by the Common Carrier. Please contact the Common Carrier Operator to obtain such proof.

Question 25

Can I make a claim if I have to cancel the trip?

Accepted Answer

If the Insured person cancels the Trip due to listed reasons stated in the policy wordings within sixty (60) days before the scheduled departure date for the Trip, we shall pay for the loss of and/or forfeiture of unused Travel Ticket cost and/or accommodation expenses which the Insured person has paid in advance, for which he/she is legally liable for paying and which are not recoverable from any other source, up to the applicable Sum Insured limit shown in the policy.

Listed Reasons:
(a) Unanticipated death, Serious Injury, Serious Sickness, witness summons or jury service of an Insured Person;
(b) Unanticipated death, Serious Injury or Serious Sickness of an Immediate Family Member or travel companion;
(c) Unanticipated outbreak of strike, riot or civil commotion or adverse weather conditions at the planned destination arising within one (1) week before the scheduled departure date of the Trip;
(d) Serious damage to the Insured Person's primary residence in Singapore from fire or flood within 1 week from the scheduled departure date for the Trip which requires the Insured Person's presence in the premises on the scheduled departure date.

Question 26

Can I make a claim if I have to curtail my trip?

Accepted Answer

* We shall pay for any reasonable additional Travel Ticket cost and/or accommodation expenses necessarily and unavoidably incurred for a direct return trip to Singapore due to listed reasons stated in the policy wordings.

* We shall pay for the loss of any unused travel ticket cost and accommodation expenses which the insured person has paid in advance and not recoverable from the other source due to the listed reason stated in the policy wordings.

Listed Reasons:
* Unanticipated death, Serious Injury or Serious Sickness of the Insured Person or his/her Immediate Family Member or Travel Companion;
* Unanticipated outbreak of strike, riot or civil commotion or Adverse Weather Conditions at the planned destination which prevent the Insured Person from continuing with his/her Trip.

Question 27

Will this policy pay if I decide to postpone my trip?

Accepted Answer

We're sorry, there is no cover on trip postponement due to personal choice and/or reasons not listed in the policy document.

Question 28

Am I covered if I miss a connecting flight because of travel delays caused by the airline?

Accepted Answer

If the Insured person’s incoming scheduled Common Carrier arrives late at the transfer point outside Singapore and they miss the onward scheduled Common Carrier which they have a confirmed reservation, We shall pay for every full six (6) hours in a row of delay. The period of delay is calculated from the actual arrival time of Insured person’s incoming Common Carrier at the transfer point to the actual scheduled departure time of the replacement Common Carrier. The Insured person must get written confirmation from the Common Carrier Operator or handling agent stating the reasons and length of delay.

Question 29

Can I make a claim if my flight is overbooked and I can’t get on a plane?

Accepted Answer

We're sorry, there is no cover on flights overbooked.

Question 30

Can I make a claim if the flight diversion was caused by weather?

Accepted Answer

No.

Question 31

If I have to cancel the trip, would I be able to claim for tickets purchased for other events or activities? E.g. Unused theme park tickets

Accepted Answer

Unfortunately there is no coverage for missed events.

Question 32

Am I covered if my phone is lost or stolen?

Accepted Answer

You are covered if it is due to actual or attempted robbery, theft or burglary during the course of your trip.  We can help you understand the claims requirements in more detail in these circumstances.

Unfortunately Bubblegum Travel Insurance does not cover you for loss or accidental damage. This helps keep your premiums low.

Question 33

What types of baggage damage are claimable?

Accepted Answer

Your baggage must be damaged due to robbery, theft, burglary or any attempt thereof to be considered eligible for claims. Proof or documentation of robbery/theft/burglary is required to make a claim.

Question 34

I lost my cash during the trip, would that be covered?

Accepted Answer

Sorry, there is no cover on loss of personal money.

Question 35

Can I make a claim on the rental vehicle excess if I crash my rental car in overseas?

Accepted Answer

Sorry, our travel insurance does not cover rental vehicle excess.

Question 36

Are sports, recreational, or baby equipment covered if they’re lost or damaged?

Accepted Answer

No, these items are not covered under our policy.

Question 37

How can customers file a claim? Is there a specific contact method available?

Accepted Answer

Check out our [claims guidance](https://www.bubblegum.co/claims?product=sg_starr_travel_insurance) for Travel Insurance.

Question 38

What is the time limit for submitting proof of loss after an incident?

Accepted Answer

Proof of loss must be submitted within 90 days aof your coverage ending. In exceptional circumstances, if it’s not reasonably possible to meet the 90-day deadline, you have up to 1 year from the date of the loss to provide the proof.

Question 39

What is the turnaround time or time limit for claims processing?

Accepted Answer

Travel Insurance claims can range from the very simple, to the very complex. We can’t provide a single guideline for all claims, but we aim to have all claims processed as soon as possible and you can always inquire about an individual claim by contacting [Bubblegum Support](https://wa.me/6598313220).

Question 40

If the insured person sustains COVID-19 during the trip, can the insured person claim for medical expenses?

Accepted Answer

Yes, if the Insured Person sustains Coronavirus Disease (COVID-19) Infection first contracted and commenced during the Trip and as diagnosed by a Physician or Doctor who is directly treating, testing or, attending to the Insured Person’s medical circumstances which directly results in the necessity of medical treatment outside Singapore, We shall reimburse the Insured Person in respect of the reasonable and customary costs paid to a Physician or Doctor, Hospital and/or land ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and land ambulance hire up to the applicable Sum Insured shown in the Schedule of Benefits.

Sub-limit of overseas medical expenses of COVID-19: SGD 65,000 maximum

Follow-up medical treatment in Singapore due to COVID-19: SGD 6,500 maximum

Question 41

Does Bubblegum Travel Insurance include Trip Cancellation coverage if the insured person contracted COVID-19?

Accepted Answer

Yes, Trip Cancellation is covered before the trip starts -- In the event of any serious sickness sustained by an insured person due to diagnosis of COVID-19, we shall reimburse the loss, subject to the sub-limit of maximum SGD 600 per person.

Question 42

Does Bubblegum Travel Insurance include Trip Curtailment coverage if the insured person contracted COVID-19 during the trip?

Accepted Answer

Yes, trip curtailment is covered during the trip in the event of any serious sickness sustained by an insured person. We shall reimburse the loss subject to the sub-limit SGD 600 maximum per person.

Question 43

Does Bubblegum Travel Insurance include hospitalization income coverage if the insured person contracts COVID-19 during the trip?

Accepted Answer

No.

Question 44

Does Bubblegum Travel Insurance include a quarantine allowance coverage if the insured person contracted COVID-19 during the trip?

Accepted Answer

No.