Revolut·SGD 264/year·Mastercard·Tokio Marine
Our Verdict · Travel Insurance
Picture a fever in Bangkok that turns into a hospital admission. On Revolut's free Standard plan you would pay that bill yourself. The paid Metal plan is different: it bundles a Tokio Marine travel insurance policy that pays overseas emergency medical and dental treatment up to S$200,000 per adult, including COVID-19, plus emergency evacuation back to Singapore up to actual cost with no dollar cap. The revolut metal travel insurance also covers baggage up to S$5,000 and baggage delay after 6 hours, but there is no trip cancellation, no flight-delay cash and no personal liability cover. Two conditions decide whether you are actually insured: your Metal plan must be active, and at least half the cost of your return travel ticket must be paid from your Revolut account before you leave Singapore. Each trip is capped at 90 days, and pre-existing medical conditions are excluded. The S$200,000 medical limit is genuine cover but modest next to the S$1,000,000 or more of a standalone Singapore policy. Treat it as a real medical backstop for short overseas trips, not a full replacement for a standalone plan that would add cancellation, a higher medical limit and cover for conditions you already have.
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
Personal accident cover is a lump sum paid if a travel accident causes your death or permanent disablement (a lasting loss such as losing a limb or your sight). The Metal policy pays up to S$100,000 for accidental death or permanent total disablement, and S$50,000 for the loss of one limb or the sight of one eye. It applies to an accident during a trip outside Singapore. This is the accident sum, not a general medical limit, and it pays nothing for ordinary illness.
Recommended : SGD 1,000,000
This is the benefit you claim on when illness or injury strikes abroad. It reimburses reasonable overseas emergency medical and dental treatment up to S$200,000 per adult, and it explicitly covers being diagnosed with COVID-19 or another pandemic illness. MediShield Life and Integrated Shield Plans do not pay for overseas leisure treatment, so this cap is your real backstop. It is genuine cover, but S$200,000 is modest next to the S$1,000,000 or more a standalone Singapore policy offers, and pre-existing conditions are excluded.
Recommended : SGD 1,000,000
If local hospitals cannot treat you, the insurer's team arranges and pays to move you to the nearest suitable facility or home to Singapore. Emergency evacuation, medical repatriation and repatriation of remains are all paid up to actual cost, with no fixed dollar cap. An air ambulance from Bali or Bangkok can run S$50,000 to S$120,000, so an uncapped benefit matters here. A 24-hour assistance line coordinates it, and a friend or family member can be flown to your bedside up to S$5,000 if you are hospitalised for more than 120 hours.
If you break a tooth, lose a filling or develop a dental infection during your trip, the policy reimburses emergency dental treatment up to S$2,000. This sits inside the overseas medical benefit rather than being a separate pot of money. It is for sudden dental emergencies abroad, not routine check-ups or cosmetic work.
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
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.
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.
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.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
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.
If your baggage is lost, damaged or stolen during your trip, the policy pays up to S$5,000 to repair or replace it. Everyday items are covered on production of receipts, and payouts are reduced by 10% for each year since purchase, up to a maximum of 50%. All high-value items together, such as jewellery, cameras and electronics, share a single S$1,000 cap, so an expensive laptop or watch is only lightly covered.
If an airline or other carrier delays your checked baggage for at least 6 hours, the policy reimburses the essentials you buy while you wait. With receipts you can claim up to S$400 a day; without receipts the limit is S$200 a day, and only on your outbound journey. It is a reimbursement for a short gap, not a payout for the bag's full value.
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.
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.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most Metal shoppers also consider.
| Card | This card Metal Revolut · SGD 264/yr 1.6/5? | 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 | S$200,000 S$200,000 medical | S$150,000 Capped S$150,000 | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Actual cost Up to actual cost | 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 |
Data verified against each card's Guide to Benefits, May 2026.
User experience with the plan 3 reviews
Choon Yuan Chan (Seedly, Metal plan)
Easy to move cash back to a Singapore account
Its a good card to use as it has the ability to return the cash to your Singapore bank account without charges
Tyler Tan YR (Seedly, Metal plan)
Convenient, but the exchange rate is not the live rate
Able to withdraw money back to local bank easily without additional fees. Exchange rate isn't Spot rate (live rate)
highsulphur (HardwareZone)
Could not add the card to SimplyGo
have been trying to add the card to SImplygo for the past 4 days, more than 10 times... Just going to cancel it.
Underwritten by Tokio Marine, administered by Allianz Travel
Customer service and claims (Singapore)
+65 6280 0316
Office hours
24-hour emergency assistance
+65 6995 1118
Call collect from anywhere in the world · 24/7
Benefit administrator: AWP Services Singapore (Allianz Travel), underwritten by Tokio Marine Insurance Singapore
Claims & pre-authorizations
How to claim on your Revolut Metal travel insurance
Step 1: Notify Tokio Marine as soon as possible
Start your claim with Tokio Marine within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the Revolut Metal can be reimbursed where the benefit requires the fare to be charged to the card.
Step 2: Gather the proof Tokio Marine 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.
Step 3: Escalate to FIDReC if a fair claim is denied
If Tokio Marine 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.
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