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.
OCBC VOYAGE card benefits: does its complimentary travel insurance still cover you?
OCBC·SGD 498/year·Visa Infinite
0,0/5Independent review · verified September 2026
0,0
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Our Verdict · Travel Insurance
Our take on travel insurance for the OCBC Voyage
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The OCBC VOYAGE is a premium metal miles card with a S$498 annual fee (waived at S$60,000 of annual spend), and it earns its keep on air miles, airport lounge access and a 24-hour concierge. What it no longer earns is travel cover. Its complimentary travel insurance, once underwritten by Great Eastern, has been discontinued, and OCBC's current VOYAGE page lists no travel insurance at all, so the card now includes none. That matters most when things go wrong overseas: a serious hospital admission in the US or Europe can pass S$100,000, and MediShield Life (Singapore's national health insurance) does not cover you outside Singapore, so the bill lands entirely on you with nothing from the card. Personal accident cover, which pays a lump sum for accidental death or permanent disablement, is gone too. A standalone Singapore travel policy fills the gap from about S$20 for a single trip, covering overseas medical, trip cancellation and lost baggage. Treat the VOYAGE as a miles and payment card now, and buy travel insurance separately before you fly.
Where travel breaks down
- OCBC has discontinued the card's complimentary travel insurance, so the VOYAGE now carries no travel cover
- The cover was once underwritten by Great Eastern and included personal accident, overseas medical, trip cancellation and baggage, and none of it remains
- 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 OCBC Voyage 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 OCBC Voyage 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
VoyageThis card0.0/5?
SGD 498/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 OCBC Voyage stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Voyage shoppers also consider.
| Card | This card Voyage OCBC · SGD 498/yr 0.0/5? | Visa Infinite Standard Chartered · SGD 600/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 → | Not covered | S$10,125 per person Up to S$10,125 | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | S$50,000 Overseas medical | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$100,000 Evacuation & repatriation | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | Not covered | 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 OCBC Voyage
Cardholder experience with the card 3 reviews
JF
Julian Foo (Seedly)
Concierge will even book things for you
Voyage concierge service is super useful, they will do a lot of things that you ask, to even booking stuff on your behalf at no additional cost. 1.6 miles per dollar on general spend (highest in the market for general spend).
JL
James Lee (Seedly)
Pay the fee for the miles and concierge
Don't bother seeking waiver, pay annual fees for its voyage miles at 1:1 ratio with KF exchange. Better still, card comes with concierge services.
VL
Van Le (Seedly)
Too metal to wave, worst value for the fee
Also known as the 'too metal to wave' card. This premium metal card is made of such a special material that the basic functionality of contactless payment is unavailable. This card offers the worst value for the hefty annual fee it commands.
Emergency · Card assistance line
How to contact OCBC Voyage 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 Voyage
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 OCBC Voyage
- No, not any more. OCBC's current VOYAGE page lists no travel insurance, so 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. The card once carried a complimentary policy underwritten by Great Eastern, but that cover has been discontinued. If you booked a trip expecting card insurance, 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 include.
- Yes. The OCBC VOYAGE historically came with Great Eastern's GREAT TravelCare, a complimentary policy that offered personal accident cover of up to about S$500,000 (a lump sum for accidental death or permanent disablement), overseas medical treatment, trip cancellation and baggage cover. That gave cardholders reasonably broad protection when they charged their trip to the card. It no longer applies: OCBC's current VOYAGE page lists no travel insurance, so the complimentary cover has ended. Do not assume an old certificate still protects you.
- None. As of 2026 the OCBC VOYAGE 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's perks now sit around air miles, airport lounge access and concierge service 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.
- Yes. Because the OCBC VOYAGE 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 typically covers overseas medical, emergency evacuation, trip cancellation, delays and lost baggage, and most plans include COVID-19 medical cover. Buy the policy before you fly, since cover for a trip already under way is limited or unavailable.
- No. The OCBC VOYAGE does not cover COVID-19 overseas, because it no longer carries any complimentary travel insurance. 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 OCBC VOYAGE 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 plans, not to the VOYAGE. 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 OCBC VOYAGE is useful for earning air miles, lounge access and concierge help 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 VOYAGE is a strong miles card, just not a substitute for travel cover.
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