Does the Instarem Amaze Card come with complimentary travel insurance?

No. The Instarem Amaze Card is a prepaid multi-currency Mastercard, and it comes with no genuine complimentary travel insurance you can rely on. Charging a flight or hotel to it does not switch on medical, cancellation or baggage cover, because there is no usable insurance certificate attached to the card. Instarem's marketing mentions a Mastercard-tier travel medical line, but its terms and insurer are not published, so it is not something you can count on. If you want protection for an overseas trip, take a standalone Singapore travel policy. Do not assume the card covers you the way a credit card with a full complimentary certificate might, because it does not.

Instarem advertises up to US$100,000 travel medical, is that real cover?

Treat it with caution. Instarem's marketing references a Mastercard World Debit tier perk of up to US$100,000 travel medical cover, but this is a nominal, unpublished benefit: the insurer, the policy wording, the activation steps and the exclusions are not made public. Independent reviews do not treat it as real complimentary travel insurance, and neither should you, because at claim time you would have no certificate to read and no clear provider to contact. If this benefit matters to you, confirm the exact terms and conditions directly with Instarem and Mastercard in writing before you travel. Until then, plan your trip as if the card gives you no travel medical cover, and arrange a standalone policy for the protection you can actually rely on.

What travel protection does the Instarem Amaze Card offer?

On the card itself, nothing you can rely on. The Instarem Amaze Card is built to spend overseas at a fair exchange rate with low foreign-currency costs, not to insure your trip. It carries no dependable overseas medical cover, no emergency evacuation, no trip cancellation, no travel delay benefit and no baggage cover. Instarem markets a Mastercard-tier medical line, but with no published insurer or terms it is not protection you can count on. The one thing the card does help with is fraud: you can freeze it instantly in the app and reach support if you spot suspicious transactions. That is card security, not travel insurance. For hospital bills, cancelled flights or lost bags, you need a standalone travel policy.

Do I need separate travel insurance with the Instarem Amaze Card?

Yes, almost certainly. Because the Instarem Amaze Card includes no travel insurance you can depend on, an overseas trip on this card alone leaves you exposed to the big costs. MediShield Life, the national health scheme, does not cover you outside Singapore, and one serious hospital admission abroad can run past S$100,000, with an air ambulance home from the region costing S$50,000 to S$120,000. A standalone Singapore travel policy fills those gaps from about S$20 for a single trip, and usually covers medical treatment, trip cancellation, baggage and COVID-19 too. The marketed Mastercard medical line is not a substitute, since its terms are unpublished, so buy a proper policy before you go.

Does the Instarem Amaze Card cover COVID-19 overseas?

No. The Instarem Amaze Card has no travel insurance you can rely on, so it covers nothing you can count on related to COVID-19 overseas: not medical treatment, not quarantine costs, not a trip you cancel because you test positive. There is no usable certificate to read and no benefit you can activate, because the card is a prepaid payment card rather than an insurance product. The marketed Mastercard medical line does not publish any COVID-19 terms, so do not assume it helps. If COVID-19 cover matters for your trip, you need a separate policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, so check the wording before you buy.

Does the Instarem Amaze Card include mobile phone insurance?

No. The Instarem Amaze Card 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 after you paid with the card, the repair or replacement is entirely your cost, and a flagship phone runs S$1,200 to S$2,300 to replace. This is a prepaid spending card, so it has no shopping-protection benefits built in. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection. Do not count on the Amaze Card to step in if your phone is damaged or lost.

Is the Instarem Amaze Card enough for an overseas trip?

For spending, yes; for protection, no. The Instarem Amaze Card is a strong travel companion at the checkout: no annual fee, low foreign-currency costs, and a fair exchange rate across many currencies, which is why many Singapore travellers carry it. What it does not do is insure the trip. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the card pays nothing you can rely on toward those costs, and its marketed Mastercard medical line has no published terms to fall back on. The sensible setup is to use the Amaze Card for payments and pair it with a standalone travel policy, from about S$20 a trip, that covers medical, cancellation and baggage. Bring the card for the savings, and bring insurance for the risks.

Does the Amaze Card include any travel insurance for overseas trips?

Instarem·SGD 0/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 2, 20268 min read

0,0/5Independent review · verified September 2026

Travel Insurance

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Instarem Amaze Card

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Book a flight on the Instarem Amaze Card and nothing insurance-related switches on. The Amaze Card is a prepaid multi-currency Mastercard built for cheap overseas spending, not an insurance product, so it carries no complimentary travel insurance you can rely on. Instarem markets a Mastercard-tier line of up to US$100,000 travel medical cover, but its terms, insurer and activation conditions are not published, so you should treat the card as uninsured for travel. A serious overseas hospital bill can pass S$100,000 with nothing you can count on from the card, and MediShield Life, the national health scheme, pays nothing outside Singapore. That leaves a bad admission in the US or Europe landing entirely on you. A standalone Singapore travel policy from about S$20 a trip covers the medical treatment, cancellation and baggage the card leaves out.

Where travel breaks down

No complimentary travel insurance you can rely on: the card is prepaid, so charging a flight to it activates no medical, cancellation or baggage cover
Instarem's up to US$100,000 travel medical line is an unpublished Mastercard-tier perk with no stated insurer or conditions, so it cannot be treated as real cover
No overseas medical or evacuation cover: a serious hospital bill abroad, which MediShield Life does not cover, is entirely on you

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 Instarem Amaze Card Travel Insurance actually cover?

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.

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?

Report an error Send updated PDF

Coverage Radar

Where the Instarem Amaze Card 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

Amaze CardThis card0.0/5?

SGD 0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 215 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Instarem Amaze Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Amaze Card shoppers also consider.

Card	This card Amaze Card Instarem · SGD 0/yr 0.0/5?	Revolution HSBC · SGD 0/yr 1.5/5?	ULTIMA Citibank · SGD 4,199/yr 2.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	S$2,000 per person Capped S$2,000	S$10,125 per person Up to S$10,125
Emergency medical Hospital bills abroad	Not covered Cover this gap →	Not covered	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$500 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 Instarem Amaze Card

Cardholder experience with the card overseas 5 reviews

Cuthbert Yeo (Seedly)

Stacks with my cashback card

Easy to use, stacking with 1.6% rebate with my Citi Cash back+ Card, so total of 2.6% cashback

Michael Lin (Seedly)

Good miles without unfair FX

This is a great product for someone looking to maximise their redemption miles while not incurring unfair foreign exchange rates.

Clement Chew (Seedly)

Extra cashback on top of bank offers

Good to earn extra cashback on top of bank offers. Paired with wmmc to get 4mpd and extra 1% cashback

Ho Qi Xian (The MileLion)

FX rates drifted above Mastercard rates

Amaze has changed, I have been charged more than 2% off Mastercard rates recently...it's a scam so pls be careful

Haokai (The MileLion)

No longer worth using overseas

Amaze charged rates which were all more than 2% away from the market rate. There is no point using it overseas any more.

There is no card insurance you can rely on to claim

Step 1: Treat the Amaze Card as a payment card, not an insurance product

The Instarem Amaze Card is a prepaid multi-currency card, so there is no benefit certificate and nothing you can rely on to claim from the card for a medical, cancellation or baggage loss overseas.

Step 2: Do not count on the marketed Mastercard-tier medical line

Instarem advertises a Mastercard World Debit line of up to US$100,000 travel medical cover, but its insurer, terms and activation conditions are not published. Without those details you cannot know what to do at claim time, so do not rely on it as travel insurance. Confirm the exact terms directly with Instarem and Mastercard before you travel.

Step 3: For real losses, rely on a standalone travel policy

A serious hospital bill abroad, a cancelled trip or lost bags need a separate travel insurance policy. A standalone Singapore policy from about S$20 a trip pays the costs the card leaves out, and MediShield Life does not cover you outside Singapore. If a fair claim is denied, you can escalate free to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the final reply.

No. The Instarem Amaze Card is a prepaid multi-currency Mastercard, and it comes with no genuine complimentary travel insurance you can rely on. Charging a flight or hotel to it does not switch on medical, cancellation or baggage cover, because there is no usable insurance certificate attached to the card. Instarem's marketing mentions a Mastercard-tier travel medical line, but its terms and insurer are not published, so it is not something you can count on. If you want protection for an overseas trip, take a standalone Singapore travel policy. Do not assume the card covers you the way a credit card with a full complimentary certificate might, because it does not.
Treat it with caution. Instarem's marketing references a Mastercard World Debit tier perk of up to US$100,000 travel medical cover, but this is a nominal, unpublished benefit: the insurer, the policy wording, the activation steps and the exclusions are not made public. Independent reviews do not treat it as real complimentary travel insurance, and neither should you, because at claim time you would have no certificate to read and no clear provider to contact. If this benefit matters to you, confirm the exact terms and conditions directly with Instarem and Mastercard in writing before you travel. Until then, plan your trip as if the card gives you no travel medical cover, and arrange a standalone policy for the protection you can actually rely on.
On the card itself, nothing you can rely on. The Instarem Amaze Card is built to spend overseas at a fair exchange rate with low foreign-currency costs, not to insure your trip. It carries no dependable overseas medical cover, no emergency evacuation, no trip cancellation, no travel delay benefit and no baggage cover. Instarem markets a Mastercard-tier medical line, but with no published insurer or terms it is not protection you can count on. The one thing the card does help with is fraud: you can freeze it instantly in the app and reach support if you spot suspicious transactions. That is card security, not travel insurance. For hospital bills, cancelled flights or lost bags, you need a standalone travel policy.
Yes, almost certainly. Because the Instarem Amaze Card includes no travel insurance you can depend on, an overseas trip on this card alone leaves you exposed to the big costs. MediShield Life, the national health scheme, does not cover you outside Singapore, and one serious hospital admission abroad can run past S$100,000, with an air ambulance home from the region costing S$50,000 to S$120,000. A standalone Singapore travel policy fills those gaps from about S$20 for a single trip, and usually covers medical treatment, trip cancellation, baggage and COVID-19 too. The marketed Mastercard medical line is not a substitute, since its terms are unpublished, so buy a proper policy before you go.
No. The Instarem Amaze Card has no travel insurance you can rely on, so it covers nothing you can count on related to COVID-19 overseas: not medical treatment, not quarantine costs, not a trip you cancel because you test positive. There is no usable certificate to read and no benefit you can activate, because the card is a prepaid payment card rather than an insurance product. The marketed Mastercard medical line does not publish any COVID-19 terms, so do not assume it helps. If COVID-19 cover matters for your trip, you need a separate policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, so check the wording before you buy.
No. The Instarem Amaze Card 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 after you paid with the card, the repair or replacement is entirely your cost, and a flagship phone runs S$1,200 to S$2,300 to replace. This is a prepaid spending card, so it has no shopping-protection benefits built in. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection. Do not count on the Amaze Card to step in if your phone is damaged or lost.
For spending, yes; for protection, no. The Instarem Amaze Card is a strong travel companion at the checkout: no annual fee, low foreign-currency costs, and a fair exchange rate across many currencies, which is why many Singapore travellers carry it. What it does not do is insure the trip. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the card pays nothing you can rely on toward those costs, and its marketed Mastercard medical line has no published terms to fall back on. The sensible setup is to use the Amaze Card for payments and pair it with a standalone travel policy, from about S$20 a trip, that covers medical, cancellation and baggage. Bring the card for the savings, and bring insurance for the risks.