The personal accident benefit (a lump sum for accidental death or permanent disablement) pays up to S$1,500,000 for an adult up to age 70, S$75,000 above 70, and S$375,000 for a dependent child, capped at S$1,500,000 per family. It is the highest personal accident sum among Singapore cards. Cover applies while you travel on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride overseas, and the full travel fare must be charged to the DBS Insignia.
What does the DBS Insignia Visa Infinite card's travel insurance actually cover?
DBS·$3,270/year·Visa Infinite·Chubb Insurance Singapore
1,5/5Independent review · verified October 2026
1,8
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the DBS Insignia
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Most DBS cards lost their complimentary travel cover in November 2025, so the DBS Insignia travel insurance stands out: it still carries a genuine Chubb policy rather than nothing at all. The headline is a S$1,500,000 personal accident sum, a lump sum for accidental death or permanent disablement, which is the highest in the local market and the strongest reason to charge your fares here. On top of that sit real, if modest, benefits: S$50,000 of overseas medical, S$50,000 of emergency evacuation and repatriation arranged by Chubb's 24-hour line, S$1,000 of trip cancellation, S$100,000 of personal liability, and some baggage cover. Be clear about the limits, though. The medical benefit pays only for treatment after an accident, not for an illness such as flu, food poisoning or COVID-19, and the cancellation and baggage caps are small at S$1,000 and S$200. Cover also runs for a maximum of 30 days per trip and switches on only when the full travel fare is charged to the card. Treat it as a strong top-up to the perks of an invite-only card, not as a replacement for a standalone travel policy that pays illness medical bills, higher baggage limits and longer trips.
What works on travel
- S$1,500,000 personal accident, a lump sum for accidental death or permanent disablement, the highest sum among Singapore cards, with S$375,000 per dependent child and a S$1,500,000 family cap
- S$50,000 overseas medical for accidental injury plus S$50,000 emergency evacuation and repatriation, arranged by Chubb's 24-hour assistance line, with evacuation covering illness including COVID-19
- Cover activates automatically when you charge the full travel fare to the card, with no separate opt-in form to submit before each trip
- A genuine Chubb travel policy at a time when most DBS cards dropped their complimentary cover, plus S$100,000 personal liability and S$1,000 trip cancellation
Where travel breaks down
- The medical benefit pays only for accidents, not for an illness such as flu, food poisoning or COVID-19, so an ordinary overseas hospital bill is not covered
- Baggage, baggage delay and missed connection caps are token at S$200 each, and trip cancellation is capped at S$1,000 and only for death or hospitalisation
- Cover lasts a maximum of 30 days per trip, so longer holidays run uninsured past day 30
- Invite-only card with a S$3,270 annual fee, and cover applies only if the full travel fare is charged to the card, so award tickets paid mostly in miles may not qualify
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 Insignia Travel Insurance actually cover?
The S$1,500,000 headline is the accidental death and disablement sum and pays only for an accident on a scheduled common carrier. It is not a general overseas medical limit.
What's covered
- Accidental death on a scheduled common carrier overseas
- Permanent total disablement, loss of limbs, sight, hearing or speech
- Cardmember, accompanying partner and dependent children
What's not covered
- War, nuclear and chemical events
- Suicide, self-inflicted injury and criminal acts
- Pregnancy, HIV/AIDS and private motor vehicle travel
This benefit covers accidents only. An ordinary illness hospital bill overseas is not paid, which is the biggest gap in the card's cover.
The overseas medical benefit reimburses up to S$50,000 (S$25,000 above age 70, S$100,000 per family) for treatment needed after an accident abroad. The catch is in the name: this is Overseas Medical Accidental Expenses, so it pays only for a sudden injury, not for an illness such as flu, food poisoning or COVID-19. Because MediShield Life, Singapore's national health insurance, does not cover treatment overseas, an illness admission abroad would fall entirely on you, and a serious case in the US or Europe can run past S$100,000.
Recommended : $1,000,000
What's covered
- Doctor, hospital and treatment costs after an accidental injury
- Up to S$50,000 per person, S$100,000 per family
What's not covered
- Illness and disease, including COVID-19 hospital treatment
- Pre-existing conditions and pregnancy
- Treatment after the 30-day trip limit
Evacuation covers illness including COVID-19, unlike the medical benefit. Repatriation of mortal remains is not separately stated in the policy.
Up to S$50,000 per person (S$100,000 per family) to evacuate and repatriate you when a serious injury or illness strikes abroad, arranged by Chubb Assistance. This benefit does respond to illness, including COVID-19, when it becomes a serious medical emergency, so it is broader than the accident-only medical benefit. An air ambulance from somewhere like Bali or Bangkok can cost S$50,000 to S$120,000. Chubb decides the place and means of evacuation, and repatriation to Singapore is by economy scheduled flight or other suitable transport.
What's covered
- Emergency medical evacuation to the nearest suitable hospital
- Repatriation to Singapore after evacuation
- Evacuation for a serious illness, including COVID-19
What's not covered
- Transport not approved by Chubb Assistance
- The cost of the medical and travel assistance services themselves
- Events after the 30-day trip limit
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
Only air fare is covered, capped at S$1,000, and only for death or hospitalisation. A standalone policy covers a wider list of reasons and higher limits.
Trip cancellation reimburses up to S$1,000 per person (S$2,000 per family) of prepaid, non-refundable air fare if you must cancel. The only accepted reasons are the death or unexpected hospitalisation of you or an immediate family member within 21 days before departure. Other reasons, such as a change of plans or a travel advisory, are not covered, and only the air fare counts, not hotels or tours. The cap is small next to the cost of a premium trip.
Recommended : $15,000
What's covered
- Irrecoverable prepaid air fare charged to the card
- Cancellation for death or unexpected hospitalisation of you or immediate family
What's not covered
- Cancellation for reasons other than death or hospitalisation
- Hotels, tours and non-air expenses
- Pre-existing conditions
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
There is no departure-delay benefit. Only a missed connection of 6 hours or more pays, under missed connection.
No general flight or travel delay cover. This card pays nothing for a delayed departure on its own. The only delay-type benefit is for a missed connection, shown separately below.
What's not covered
- A general flight delay is not a benefit of this card
There is no general flight delay benefit. Only a missed connection pays, so a delayed departure with no connection involved pays nothing.
If you miss a connecting flight overseas because the connecting flight left early or your incoming flight arrived late, and no onward transport is available for at least 6 hours, the card reimburses hotel, meals and refreshments up to S$200 per person (S$400 per family). It is a reimbursement, so keep receipts. The amount is small and meant for the wait, not a full re-routing. This is the only delay-type benefit on the card.
What's covered
- Hotel, meals and refreshments during the wait
- Missed connection from an early or late connecting flight
What's not covered
- Amounts already compensated by the airline
- A simple departure delay with no missed connection
At S$200 per person, this is a token cap. A standalone policy usually covers several thousand dollars of baggage.
Baggage and personal effects lost, damaged or destroyed by accident or misfortune during the trip are covered up to S$200 per person (S$400 per family). That is a token amount next to the cost of a suitcase of clothing and electronics, so it will rarely cover a real loss. You must report theft to the police and loss in transit to the carrier. Cash, documents and fragile items are excluded.
Recommended : $15,000
What's covered
- Replacement or repair of lost or damaged personal baggage
- Up to S$200 per person, S$400 per family
What's not covered
- Cash, documents, tickets and securities
- Fragile items, phones and electronics unless from fire or accident to the conveyance
- Wear and tear and unexplained disappearance
If your checked bag is delayed for at least 6 hours after you land, the card reimburses essential clothing, toiletries and necessities bought within 48 hours, up to S$200 per person (S$400 per family). Any amount paid here is deducted from a later loss-of-baggage claim if the bag turns out to be permanently lost. The cap is small, so it covers a few urgent buys rather than a full replacement.
Recommended : $1,500
What's covered
- Essential items bought after a 6-hour baggage delay
- Up to S$200 per person, S$400 per family
What's not covered
- Delays on return to Singapore
- Amounts beyond the S$200 cap
A lost travel document assistance service exists, but the replacement cost is not paid.
No paid cover for lost travel documents or money. The policy offers a lost travel document assistance service to help you replace a passport, but the cost of doing so is not reimbursed and falls on you.
What's not covered
- Reimbursement for lost travel documents or money is not a benefit of this card
Personal liability covers up to S$100,000 per person (S$200,000 per family) if you become legally liable for injuring someone or damaging their property during the trip, including legal costs agreed with Chubb. It is a real benefit for accidents abroad, though lower than the S$1,000,000 that some standalone policies offer. Liability tied to your job, vehicles, animals or pollution is excluded.
Recommended : $1,000,000
What's covered
- Legal liability for injury to others or damage to their property
- Legal costs and expenses agreed in writing with Chubb
- Up to S$100,000 per person, S$200,000 per family
What's not covered
- Liability from your job, business or profession
- Vehicles, animals, firearms and aircraft
- Pollution, contamination and asbestos
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the DBS Insignia wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: well above the market average
Overseas emergency dental: not covered by this card
Hospital cash allowance: not covered by this card
Compare
InsigniaThis card1.5/5?
$3,270/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the DBS Insignia stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Insignia shoppers also consider.
| Card | This card Insignia DBS · $3,270/yr 1.5/5? | Treasures DBS · $535/yr 1.1/5? | Centurion American Express · $7,500/yr 4.2/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | S$1,000 S$1,000 air fare only | Not covered | S$20,000 S$20,000 prepaid costs | |
Emergency medical Hospital bills abroad | S$50,000 S$50,000 accidental medical | S$5,000 S$5,000 accident only | Chubb arranges and pays No stated medical sub-limit | |
Emergency evacuation Air ambulance + repatriation | S$50,000 Capped S$50,000 | Not covered | Arranged and paid by Chubb Evacuation + repatriation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 4h / S$400 Trigger: 4 hours | 4h / up to S$900 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the DBS Insignia
Cardholder experience with the card 3 reviews
T(
Thai_Rak_Thai (HardwareZone)
The big boys league
This is the big boys league.
AW
Aaron Wong (The MileLion)
Packs a punch, but perks are being trimmed
The DBS Insignia packs a punch, but the removal of its dining vouchers and annual fee waiver might prove too much for some cardholders.
V(
vince123123 (HardwareZone)
Not sure the fee is worth it
Don't think the $3,000 annual fees are that worth it.
Emergency · Card assistance line
How to contact DBS Insignia assistance?
Who to contact while travelling, and how to claim on the complimentary Chubb cover.
Chubb claims (Singapore)
+65 6398 8000
Office hours
Chubb Assistance 24-hour hotline
+65 6322 2132
Call before arranging any evacuation · 24/7
Benefit administrator: Chubb Insurance Singapore for DBS
Claims & pre-authorizations
How to make a DBS Insignia travel insurance claim
1
Step 1: Notify Chubb as soon as possible
Start your claim with Chubb within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the DBS Insignia can be reimbursed where the benefit requires the fare to be charged to the card.
2
Step 2: Gather the proof Chubb needs
Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.
3
Step 3: Escalate to FIDReC if a fair claim is denied
If Chubb rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.
FAQ
What people ask about the DBS Insignia
- Partly. The DBS Insignia pays up to S$50,000 in overseas medical expenses, but only for treatment needed after an accident, meaning a sudden injury. A hospital stay caused by an illness such as flu, food poisoning or COVID-19 is not covered by this benefit. That gap matters because MediShield Life, Singapore's national health insurance, does not pay for treatment received overseas, and a serious admission in the US or Europe can run past S$100,000. The sum is S$50,000 per person up to age 70, S$25,000 above 70, and S$100,000 for a family. For illness cover abroad you would need a standalone travel policy.
- The card includes up to S$50,000 per person (S$100,000 per family) for emergency medical evacuation and repatriation, arranged by Chubb Assistance. This is the benefit that pays to move you to the nearest suitable hospital, or back to Singapore, when a serious injury or illness happens abroad, which can cost S$50,000 to S$120,000 for an air ambulance from somewhere like Bali or Bangkok. Unlike the medical benefit, evacuation does respond to illness, including COVID-19, as long as it becomes a serious medical emergency. Call the Chubb Assistance 24-hour hotline on +65 6322 2132 before arranging any transport, because the provider must approve it. Repatriation is by economy scheduled flight or other suitable means.
- Yes, but narrowly. The DBS Insignia reimburses up to S$1,000 per person (S$2,000 per family) of prepaid, non-refundable air fare if you have to cancel the trip. The only accepted reasons are the death or unexpected hospitalisation of you or an immediate family member within 21 days before departure. Cancelling for other reasons, such as a change of plans or a travel advisory, is not covered, and only the air fare is refundable, not hotels or tours. The cap is small next to the cost of premium travel, so a standalone policy with a higher cancellation limit is worth considering.
- Only in part. There is no COVID-19 exclusion in the policy, but what the card actually pays depends on the benefit. The overseas medical benefit covers accidents only, so a COVID-19 hospital stay abroad is not reimbursed as a medical expense. Emergency evacuation does respond to a serious COVID-19 illness, and trip cancellation can pay if COVID-19 leads to hospitalisation within 21 days before departure. So evacuation and some cancellation are possible, but routine COVID-19 treatment overseas is not. A standalone travel policy that treats COVID-19 like any other illness closes that gap.
- Charge the full travel fare to the DBS Insignia before the trip. The Chubb policy applies when the entire air fare, or the full cost of a package tour that includes the fare, is charged to one valid DBS Insignia card. There is no separate opt-in form to submit, unlike some other Singapore cards, and no fixed dollar threshold beyond the fare itself. If you book a flight on miles and only the airport taxes hit the card, that may not meet the full-fare condition, so confirm before you rely on it. Keep the card statement showing the fare was charged, since the insurer checks it at claim time.
- The DBS Insignia carries a S$1,500,000 personal accident sum, the highest among Singapore credit cards. Personal accident is a lump sum paid for accidental death or permanent disablement, such as loss of limbs or sight. The full S$1,500,000 applies to an adult up to age 70, dropping to S$75,000 above 70, with S$375,000 for a dependent child and a S$1,500,000 cap per family. This cover applies while you are travelling on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride. It is an accident benefit, not a general medical limit, so it does not pay ordinary hospital bills.
- Claims are handled by Chubb Insurance Singapore, the underwriter. For an emergency abroad, call Chubb Assistance on +65 6322 2132 before arranging evacuation. Give written notice of any claim within 30 days of the incident, and keep your documents: itemised bills and original receipts, any police or carrier report, your boarding pass, and the card statement showing the travel fare was charged to the DBS Insignia. Submit the completed claim form with the receipts. If Chubb declines a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply.
- Cover runs for a maximum of 30 consecutive days per journey. The policy stops paying for any loss occurring after 12.01am Singapore time on the 31st day after your trip began, so a holiday or extended trip longer than 30 days is uninsured past that point. This is shorter than many standalone policies, which offer single trips of up to 90 or 182 days. If you travel for longer than a month, buy a standalone policy that matches the full length of the trip.
- Yes, but the amounts are small. The DBS Insignia pays up to S$200 per person (S$400 per family) for baggage that is lost or damaged during the trip, and a further S$200 per person for essential purchases if your checked bag is delayed at least 6 hours. There is also up to S$200 per person if you miss a connecting flight for more than 6 hours. These caps are token next to the cost of replacing a suitcase of belongings, so treat them as a minor extra rather than real baggage protection. A standalone policy usually covers several thousand dollars of baggage.
- For most trips, yes. The DBS Insignia gives a strong S$1,500,000 personal accident sum and useful evacuation cover, but its everyday protection is thin: medical pays for accidents only, cancellation is capped at S$1,000, baggage at S$200, and cover ends at 30 days. A standalone Singapore travel policy, from around S$20 for a single trip, adds illness medical, higher cancellation and baggage limits, longer trips and full COVID-19 cover. Use the card as a top-up that raises your accident and evacuation cover, and let a standalone policy carry the bills you are most likely to claim on.
Not just DBS
Other cards worth considering
Insignia is a strong choice — but depending on what you prioritize, one of these may suit you better.
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