No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.
DBS Altitude card benefits: does the complimentary travel insurance still cover you?
DBS·SGD 196/year·Visa Signature
0,0/5Independent review · verified August 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the DBS Altitude
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
DBS ended its complimentary travel insurance programme on 1 November 2025, so the Altitude no longer includes any travel cover at all. Even before that date, the DBS Altitude card benefits on the insurance side were accident-only: a lump sum for accidental death or permanent disablement, never real medical or trip cancellation cover. A holiday you cancel for a family emergency was never refundable through the card, and it still is not. A serious hospital admission overseas can pass S$100,000, and MediShield Life (Singapore's national health insurance) does not cover you outside Singapore, so a bad fall in Bali or a stroke in Tokyo lands entirely on you. The card pays nothing toward that bill. A standalone Singapore travel policy fills the gap from about S$20 for a single trip, covering overseas medical, cancellation and lost bags. Treat the Altitude as a payment card now, and buy travel cover separately before you fly.
Where travel breaks down
- DBS discontinued complimentary travel insurance on 1 November 2025, so the card now carries no travel cover
- Even under the old Chubb policy, only accidental death and permanent disablement were paid, with no medical or cancellation cover
- No overseas medical, no trip cancellation and no baggage cover means a standalone travel policy is needed for any real protection
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does DBS Altitude Travel Insurance actually cover?
What's not covered
- Personal accident is not a benefit of this card
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.
What's not covered
- Overseas medical treatment is not a benefit of this card
- Pre-existing conditions and pregnancy excluded
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
What's not covered
- Emergency medical evacuation is not a benefit of this card
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay is not a benefit of this card
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
What's not covered
- Missed connection is not a benefit of this card
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Baggage loss is not a benefit of this card
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
What's not covered
- Baggage delay is not a benefit of this card
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the DBS Altitude wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
AltitudeThis card0.0/5?
SGD 196/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
SGD 217 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the DBS Altitude stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Altitude shoppers also consider.
| Card | This card Altitude DBS · SGD 196/yr 0.0/5? | yuu Card DBS · SGD 196/yr 0.0/5? | TravelOne HSBC · SGD 196/yr 1.7/5? | Prestige Citibank · SGD 652/yr 2.9/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Not covered | S$1,500 per person Capped S$1,500 | S$10,125 per person Up to S$10,125 |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | S$150,000 Capped S$150,000 | S$675,000 S$675,000 overseas medical |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Not covered | S$1,000,000 Up to S$1,000,000 | S$675,000 S$675,000 evacuation |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | Not covered | 8h / S$150 Trigger: 8 hours | 4h / S$675 Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered | Not covered |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the DBS Altitude
Cardholder views on the card and its former travel cover 4 reviews
JG
Jaz Gelig (Seedly)
Very useful for frequent travellers
I recommend this CC to all particularly to those who are travellers like me.. take it and it is very useful
D(
Daniel (Seedly)
Good value, funded my honeymoon
This card was useful for funding my honeymoon. After combing through all the credit cards, I think it's the most value for money.
A(
angcsbenny (HardwareZone)
Only death and disability, not real travel insurance
the complimentary DBS Altitude insurance does not cover trip interruption/cancellation... Only death and permanent disability coverage, they also dare to call it travel insurance!
R(
revogsx (HardwareZone)
Not covered unless full airfare is charged
You are NOT covered on either complementary travel insurance at the moment. The Terms and condition is you must pay the airfare in FULL using either ANZ or DBS Altitude.
Emergency · Card assistance line
How to contact DBS Altitude assistance?
This card carries no complimentary travel insurance, so there is no underwriter or 24-hour assistance hotline attached to it. For medical, cancellation and baggage cover overseas, buy a standalone Singapore travel policy and keep its emergency assistance number with you while you travel.
What to do if you need travel cover with the DBS Altitude
1
Step 1: Buy a standalone travel policy before you fly
Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.
2
Step 2: Keep your policy and emergency number with you
Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.
3
Step 3: Escalate to FIDReC for a card-issuer dispute
For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.
FAQ
What people ask about the DBS Altitude
- No. DBS ended its complimentary travel insurance programme on 1 November 2025, so the DBS Altitude no longer includes any travel cover. Holding the card, or charging your air fare to it, buys you nothing in the way of overseas medical, trip cancellation, delay or baggage protection. This is a market-wide change from DBS, not a quiet clause buried in the terms, so do not assume the old certificate still applies. If you booked a trip expecting card cover, you are travelling uninsured unless you arrange a standalone policy. A single-trip Singapore travel plan starts at about S$20 and covers the medical and cancellation costs the card used to leave out anyway.
- Yes, but it was narrow. Before 1 November 2025, the DBS Altitude carried a Chubb-underwritten travel accident policy: a lump sum of up to about S$1,000,000 for accidental death or permanent disablement while travelling. That was the whole benefit. It never paid for overseas hospital treatment, it never refunded a cancelled trip, and it did not cover delayed flights or lost bags. Many cardholders assumed complimentary travel insurance meant real medical and cancellation cover, and it did not. So even in its best days the Altitude cover was a personal accident certificate, and since November 2025 there is no complimentary insurance on the card at all.
- None. As of August 2026 the DBS Altitude carries no complimentary travel insurance of any kind. There is no overseas emergency medical benefit, no medical evacuation, no trip cancellation, no travel delay, no baggage cover and no personal accident sum. The card is a miles and payment card, and its perks now sit around air miles, airport lounge visits and spending rewards rather than insurance. If you want your flights, hotels and health protected on a trip, that has to come from a separate travel insurance policy. Reading the card as a source of any travel cover will leave you exposed the moment something goes wrong overseas.
- Yes. Because the DBS Altitude no longer includes any complimentary travel cover, a standalone travel insurance policy is the only way to protect a trip. The gap it fills is real: MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can pass S$100,000, none of which the card pays. A standalone Singapore policy starts at around S$20 for a single trip and typically covers overseas medical, emergency evacuation, trip cancellation, delays and lost baggage, and most plans include COVID-19 medical cover too. Buy the policy before you fly, since cover for a trip already under way is limited or unavailable.
- No. The DBS Altitude does not cover COVID-19 overseas, because it no longer carries any complimentary travel insurance after DBS ended the programme on 1 November 2025. If you catch COVID-19 abroad and need a doctor, a hospital stay or an earlier flight home, the card pays nothing toward any of it. Even the old Chubb policy was accident-only and would not have covered an illness like COVID-19. For that protection you need a standalone travel insurance policy, and most Singapore travel plans now include COVID-19 medical treatment and sometimes trip cancellation if you test positive before departure. Check the specific plan wording, since COVID-19 terms vary between insurers.
- No. The DBS Altitude does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship smartphone out of pocket runs about S$1,200 to S$2,300. Mobile phone cover is uncommon on Singapore credit cards and is usually tied to specific premium cards or telco plans, not to the Altitude. For device protection you would need a separate gadget or mobile insurance policy, or a card that names phone cover as a benefit. Do not count on the Altitude for anything beyond its miles and spending rewards.
- Not on its own. The DBS Altitude is useful for earning air miles and lounge access on the flights and hotels you charge to it, but it gives no travel insurance, so it does not make you ready for a trip by itself. If you fall ill, get injured, have to cancel, or lose your luggage, the card offers nothing toward the cost. Pair it with a standalone travel insurance policy and the picture changes: the card earns the miles, and the policy covers the overseas medical, cancellation and baggage risks from about S$20 a trip. Used that way the Altitude is a solid spending card, just not a substitute for travel cover.
Not just DBS
Other cards worth considering
Altitude is a strong choice — but depending on what you prioritize, one of these may suit you better.
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