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 Live Fresh card benefits: does the travel insurance still cover you overseas?
DBS·SGD 196/year·Visa
0,0/5Independent review · verified September 2026
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the DBS Live Fresh
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
DBS ended its complimentary travel insurance programme on 1 November 2025, so the DBS Live Fresh Card now includes no travel cover at all. This is an entry-level cashback card built for everyday spending, not for protecting a trip, and it never carried the travel benefits some premium cards do. A holiday you cancel for a family emergency is not refundable through the card, and a delayed flight or a lost bag is entirely your own cost. A serious overseas hospital admission 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 wholly 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 baggage. Use the Live Fresh for its cashback, and buy travel cover separately before you fly.
Where travel breaks down
- DBS discontinued complimentary travel insurance on 1 November 2025, so the Live Fresh Card now carries no travel cover
- As an entry-level cashback card, it never offered overseas medical, trip cancellation or baggage protection
- No travel cover means a standalone Singapore travel policy is needed for any real protection on a trip
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 Live Fresh 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 Live Fresh 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
Live FreshThis card0.0/5?
SGD 196/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
SGD 215 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the DBS Live Fresh stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Live Fresh shoppers also consider.
| Card | This card Live Fresh DBS · SGD 196/yr 0.0/5? | TravelOne HSBC · SGD 196/yr 1.7/5? | ULTIMA Citibank · SGD 4,199/yr 2.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | 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 → | 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 → | 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 → | 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 |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the DBS Live Fresh
Cardholder experience with the card and its cashback 3 reviews
FH
Feng Hui (Seedly)
Easy to track spending and maximise cashback
Easy to track spending to maximize cashback because it is based on transaction date and not posting date. Good for 5% cashback for contactless and another 5% for online as long as within $400 per calendar month for each category.
R(
Ray (Seedly)
A good first card for respectable cashback
This is my first credit card and I have bene using it for over 2 years. While new cards such as OCBC FRANK and UOB EVOL have shadowed this card in terms of benefits, it is nonetheless a good card to achieve a respectable cashback.
JJ
Jun Jie Gan (Seedly)
Waivers granted, but contactless cap is low
Been using for more than 2 years. I have received waivers for twice. Contactless spending capped at $20 is too low.
Emergency · Card assistance line
How to contact DBS Live Fresh 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 Live Fresh
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 Live Fresh
- No. DBS ended its complimentary travel insurance programme on 1 November 2025, so the DBS Live Fresh does not include any travel cover. The Live Fresh is an entry-level cashback card, and holding it or charging your air fare to it buys you nothing in overseas medical, trip cancellation, delay or baggage protection. This is a market-wide change from DBS, not a clause hidden in the terms, so do not assume any 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 leaves out.
- Not as a blanket benefit. Unlike some premium DBS cards, the Live Fresh never carried automatic complimentary travel insurance just for holding it; any travel insurance link ran through the DBS Travel Marketplace booking perk, where cover could attach to trips booked through that channel. That perk ended on 1 November 2025 along with the wider DBS complimentary travel insurance programme. So even before then, the Live Fresh was a cashback card first, with no standing travel medical or cancellation cover of its own. Since November 2025 there is no complimentary travel insurance connected to the card at all, and a trip needs a standalone policy.
- None. As of August 2026 the DBS Live Fresh 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 an everyday cashback card, and its perks now sit around cashback on contactless and online spending 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 Live Fresh as a source of any travel cover will leave you exposed the moment something goes wrong overseas.
- Yes. Because the DBS Live Fresh includes no complimentary travel cover, a standalone travel insurance policy is the only way to protect a trip. The gap is real: MediShield Life (Singapore's national health insurance) 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 Live Fresh 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. 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 Live Fresh 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 an entry-level cashback card like the Live Fresh. For device protection you would need a separate gadget or mobile insurance policy, or a card that names phone cover as a benefit.
- Not on its own. The DBS Live Fresh is useful for earning cashback on the contactless and online spending 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 cashback, and the policy covers the overseas medical, cancellation and baggage risks from about S$20 a trip. Used that way the Live Fresh is a solid everyday card, just not a substitute for travel cover.
Not just DBS
Other cards worth considering
Live Fresh is a strong choice — but depending on what you prioritize, one of these may suit you better.
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