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 Vantage card benefits: does the complimentary travel insurance still cover you?
DBS·SGD 600/year·Visa Infinite
0,0/5Independent review · verified September 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the DBS Vantage
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The DBS Vantage is a premium Visa Infinite card built around airport lounge access and air miles, and it charges a non-waivable S$600 annual fee from the first year. What it no longer gives you is travel insurance: DBS ended its complimentary travel insurance programme on 1 November 2025, so the card now includes no travel cover at all. Picture a bad fall in Bali or a stroke in Tokyo; an overseas hospital admission can pass S$100,000, and the card pays nothing toward it. MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, so that bill lands entirely on you. Holding a premium card does not change this, since the lounge and miles perks have nothing to do with medical or trip cover. A standalone Singapore travel policy fills the gap from about S$20 for a single trip, covering overseas medical, trip cancellation and lost baggage. Charge your flights to the Vantage for the miles, then buy travel cover separately before you fly.
Where travel breaks down
- DBS ended its complimentary travel insurance programme on 1 November 2025, so the Vantage now carries no travel cover
- No overseas medical, no trip cancellation and no baggage cover, yet the S$600 annual fee is non-waivable from the first year
- A serious overseas hospital admission can pass S$100,000, and both the card and MediShield Life pay nothing abroad
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 Vantage 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 Vantage 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
VantageThis card0.0/5?
SGD 600/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 Vantage stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Vantage shoppers also consider.
| Card | This card Vantage DBS · SGD 600/yr 0.0/5? | Prestige Citibank · SGD 652/yr 2.9/5? | ULTIMA Citibank · SGD 4,199/yr 2.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$10,125 per person Up to S$10,125 | S$10,125 per person Up to S$10,125 | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | S$675,000 S$675,000 overseas medical | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$675,000 S$675,000 evacuation | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 4h / S$675 Trigger: 4 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 Vantage
Cardholder experience with the card 3 reviews
L(
Laurent (The MileLion)
Underrated as a main card for high spenders
I think this card is way underrated. Frankly if you don't have petrol spending, and this is your main CC so that you are spending more than 60k/year... then I don't see a better card.
J(
Jay (The MileLion)
Accor free stay is worth less than it looks
Accor Plus Explorer membership for the free hotel stay are only worth like $100+ as most availability are for Ibis hotel. Premium hotel such as fairmount/sofitel are NOT available 98% of the time.
FK
F K (The MileLion)
Unclear on how Priority Pass allowances work
Can the Priority Pass allowances all be used in one go? Might come in handy at the PP restaurants/bars in places like SYD or MEL where a normal PP+Guest allowance ends at $72
Emergency · Card assistance line
How to contact DBS Vantage 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 Vantage
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 Vantage
- No. DBS ended its complimentary travel insurance programme on 1 November 2025, so the DBS Vantage no longer includes any travel cover. Charging your air fare to the card buys you nothing in the way of overseas medical, trip cancellation, delay or baggage protection. This was a market-wide change across DBS cards, not a quiet clause buried in the terms, so do not assume the old certificate still applies. If a bank told you the card still comes with travel insurance and you booked on that basis, you can raise it with the bank and, if unresolved, with FIDReC (the Financial Industry Disputes Resolution Centre in Singapore). Either way, a single-trip Singapore travel plan from about S$20 covers the medical and cancellation costs the card no longer touches.
- Yes, but premium here means lounge access and air miles, not insurance. The DBS Vantage is a Visa Infinite card with unlimited airport lounge visits and a strong miles rate, and it charges a non-waivable S$600 annual fee from the first year to match. None of that is travel insurance. Since DBS ended the complimentary travel insurance programme on 1 November 2025, the card carries no overseas medical, trip cancellation or baggage cover at all. A premium fee and a premium metal card do not put a dollar toward a hospital bill in Bangkok. Treat the Vantage as a spending and miles card, and arrange travel cover separately.
- Yes. Because the DBS Vantage no longer includes any 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 usually 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 Vantage 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 Vantage 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 programmes or telco plans, not to the Vantage. 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 Vantage is useful for earning air miles and using airport lounges 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, and the S$600 fee does not change that. 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 Vantage is a strong spending card, just not a substitute for travel cover.
Not just DBS
Other cards worth considering
Vantage is a strong choice — but depending on what you prioritize, one of these may suit you better.
ULTIMA
Citibank
Prestige
Citibank
TravelOne
HSBC
Metal
Revolut
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