The Scheduled Public Conveyance personal accident benefit (a lump sum for accidental death or permanent disablement) pays up to S$1,350,000 for the cardmember or spouse and S$40,500 for a dependent child, capped at S$1,350,000 per family. It applies only to an accident on a scheduled public conveyance overseas, meaning a flight, ferry, train or bus you paid to ride. The underlying UOI premium policy sets this sum at USD1,000,000, shown here converted to Singapore dollars at about 1.35. Cover switches on automatically when the full travel fare is charged to the card, with no opt-in form. A separate Credit Card Liability Protector of S$5,000 also pays off the outstanding card balance if the cardmember dies in a covered accident.
UOB Visa Infinite card benefits: what does the travel insurance actually cover?
UOB·SGD 1,962/year·Visa Infinite·United Overseas Insurance (UOI)
1,0/5Independent review · verified September 2026
1,1
0,5
Our Verdict · Travel Insurance
Our take on travel insurance for the UOB Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Picture a serious accident on your flight to London: this card can pay a large personal accident sum, up to S$1,350,000 for the cardmember, converted from the policy's USD1,000,000. That headline is the trap. It pays only for an accident on a scheduled flight, ferry or train, and unlike UOB's consumer cards there is no overseas medical cover, no emergency evacuation and no trip cancellation on the UOB Visa Infinite travel insurance. What you do get is purchase protection, some luggage cover and cash for delays. The annual fee is a non-waivable S$1,962, which is steep for cover this narrow. The one convenience is that it activates automatically when you charge the full fare to the card, with no opt-in form to forget. If a hospital bill or a cancelled trip is what worries you, this card will not pay it, and a standalone Singapore travel policy from around S$20 a trip will.
What works on travel
- S$1,350,000 personal accident for the cardmember or spouse on a scheduled flight, ferry or train, converted from USD1,000,000
- S$2,000-per-item purchase protection with a 30-day overseas window
- S$400 travel delay and S$600 luggage delay cash benefits, plus S$1,000 baggage loss cover
- Cover activates automatically when the full fare is charged, with no opt-in form
Where travel breaks down
- No overseas medical cover, so a hospital admission abroad is fully out of pocket
- No emergency evacuation and no trip cancellation
- Non-waivable S$1,962 annual fee for cover this narrow
- The personal accident sum only pays for an accident on a scheduled public conveyance, not a general travel accident
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 UOB Visa Infinite Travel Insurance actually cover?
The S$1,350,000 headline is the accident sum on a scheduled flight, ferry, train or bus, not a medical limit. There is no overseas medical or evacuation cover on this card.
What's covered
- Accidental death or permanent disablement on a scheduled public conveyance overseas
- Cardmember or spouse up to S$1,350,000; dependent child up to S$40,500
- Credit Card Liability Protector pays the outstanding card balance up to S$5,000 on accidental death
What's not covered
- War, terrorism, nuclear and chemical events
- Self-inflicted injury, suicide, criminal acts
- Intoxicants, drugs, pregnancy, HIV
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
Travel delay pays a cash benefit if your scheduled conveyance is delayed by industrial action, bad weather or a mechanical fault: S$100 for the first 4 hours and S$50 for each subsequent 4 hours, up to S$400 per person and S$800 per family. You must be at the departure point, and the delay cannot be in Singapore or your home country. Keep the carrier's written confirmation of the delay and its cause.
Recommended : SGD 1,000
What's covered
- Cash benefit once the delay reaches 4 hours
- Delay caused by industrial action, adverse weather or mechanical fault
What's not covered
- Delays known before departure
- Delays in Singapore or your home country
If you miss a connecting flight because the incoming flight ran early or late, the card reimburses up to S$400 per person once the wait passes 4 hours. Denied boarding from flight overbooking overseas is reimbursed up to S$100 per person once the delay passes 6 hours. This is a reimbursement, so keep the receipts and the carrier's written confirmation.
What's covered
- Flight misconnection reimbursement up to S$400 per person after a 4-hour delay
- Flight overbooking up to S$100 per person after a 6-hour delay
What's not covered
- Amounts already compensated by the airline or another party
The S$1,000 per-person cap is low for a premium card, so a single lost bag can exceed the limit.
Loss of or damage to personal luggage is reimbursed up to S$1,000 per insured, with a family cap of S$2,000. That per-person cap is low for a premium card. One checked bag of clothes, a camera and a laptop can pass S$1,000 quickly, so treat this as partial cover, not full baggage protection.
What's covered
- Loss of or damage to checked and hand luggage
- Up to S$1,000 per insured, S$2,000 per family
What's not covered
- Cash, documents, jewellery and electronics may be sub-limited or excluded
- Items left unattended in a public place
Luggage delay pays a cash benefit if your checked bags are delayed on arrival overseas: S$50 for each full 6 hours, up to S$600 per insured. It is meant to cover essentials such as toiletries and a change of clothes while you wait. Keep the carrier's written confirmation of the delay.
What's covered
- Cash benefit of S$50 for each full 6-hour delay
- Up to S$600 per insured
What's not covered
- Delay on the final leg back to Singapore
- Delays already known before departure
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
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the UOB Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: well above the market average
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Overseas emergency dental: not covered by this card
Compare
Visa InfiniteThis card1.0/5?
SGD 1,962/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
SGD 216 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the UOB Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite shoppers also consider.
| Card | This card Visa Infinite UOB · SGD 1,962/yr 1.0/5? | Visa Infinite Metal UOB · SGD 654/yr 1.0/5? | Prestige Citibank · SGD 652/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 → | Not covered | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Not covered | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | 4h / S$400 Trigger: 4 hours | 4h / S$400 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 UOB Visa Infinite
Cardholder experience with the card 1 reviews
F(
focus1974 (HardwareZone)
Not renewed over the annual fee
My one was not renewed because they want to charge the annual fee.
Emergency · Card assistance line
How to contact UOB Visa Infinite assistance?
UOI claims (Singapore)
+65 6222 7733
Office hours
UOI 24-hour Emergency Assist
+65 6222 7737
Call collect where possible · 24/7
Benefit administrator: United Overseas Insurance (UOI) for UOB
Claims & pre-authorizations
How to make a UOB Visa Infinite claim
1
Step 1: No opt-in, just charge the full fare to the card
The travel cover activates automatically when the full travel fare is charged to the UOB Visa Infinite, so there is no form to submit before you fly. Keep the card statement showing the fare was charged, because the insurer checks this before paying a claim.
2
Step 2: Give written notice within 30 days and gather documents
Notify UOI within 30 days of the incident on +65 6222 7733 or contactus@uoi.com.sg. Collect itemised bills or receipts, any police or carrier report, your boarding pass, and the carrier's written confirmation of the delay or baggage issue.
3
Step 3: Submit the claim, and escalate to FIDReC if needed
Return the completed claim form and evidence within 30 days. The 24-hour assist line is +65 6222 7737, though note this card has no medical or evacuation benefit. If a fair claim is denied, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the final reply.
FAQ
What people ask about the UOB Visa Infinite
- The travel cover on the UOB Visa Infinite activates automatically once you charge the full travel fare to the card. There is no opt-in form to submit and no dollar threshold beyond the fare itself, which is a change from UOB's consumer cards that need an electronic opt-in before each trip. Hold the card and pay the full public-conveyance fare on it, and the personal accident, delay, luggage and purchase benefits apply. If you book a flight on miles and only the airport taxes hit the card, that may not meet the full-fare condition, so put the whole fare on the card to be sure the cover is live.
- The personal accident benefit covers the principal cardmember and, on the same trip, a legally married spouse for up to S$1,350,000 each, and dependent children for up to S$40,500 each, with a S$1,350,000 family cap. Dependent children are usually those from a few months old to their early twenties who are unmarried and still studying. Family members are only covered on a trip whose full fare was charged to the card. Purchase protection is narrower and applies to the principal cardmember's purchases only. Check the covered-persons definitions in the certificate before you assume a spouse or child is insured for a given benefit.
- No. The UOB Visa Infinite has no overseas medical benefit at all. If you fall ill or are injured abroad and need a hospital, none of the treatment cost is paid by this card. This is the single biggest gap, because MediShield Life does not cover you outside Singapore, and a serious admission in the United States or Europe can run past S$100,000. The card's headline S$1,350,000 is a personal accident lump sum for death or permanent disablement on a scheduled flight, ferry or train, not a medical limit. For hospital bills abroad you need a standalone travel insurance policy.
- No. Because the UOB Visa Infinite carries no overseas medical or evacuation cover of any kind, it cannot pay for COVID-19 treatment, quarantine or a COVID-related evacuation abroad. Some other UOB cards include COVID-19 within an emergency evacuation benefit, but this premium card does not have that benefit to begin with. There is also no trip cancellation, so a trip you cancel after testing positive is not reimbursed. If COVID-19 medical cover matters to you, a standalone Singapore travel policy that names COVID-19 in its wording is the way to get it, often from around S$20 for a single trip.
- The UOB Visa Infinite provides personal accident cover of up to S$1,350,000 for the principal cardmember or spouse and up to S$40,500 for a dependent child, with a S$1,350,000 family cap. The underlying UOI premium policy sets this sum at USD1,000,000, shown here converted to Singapore dollars at about 1.35. It is a lump sum paid for accidental death or permanent disablement, and it applies only to an accident on a scheduled public conveyance, meaning a flight, ferry, train or bus you paid to ride. A separate Credit Card Liability Protector of S$5,000 also pays off your outstanding card balance if you die in a covered accident. It is not a general medical limit.
- Claims go through United Overseas Insurance (UOI), the underwriter, on +65 6222 7733 during office hours, with a 24-hour emergency assistance line on +65 6222 7737. Give written notice within 30 days of the incident and keep the documents that prove it: itemised bills or receipts, any police or carrier report, your boarding pass, and the card statement showing the full fare was charged to the card. For a delay or baggage claim, get the carrier's written confirmation of the delay and its cause. If the insurer denies a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply.
- The gaps are large for a premium card. There is no overseas medical cover, no emergency evacuation or repatriation, no trip cancellation, no trip curtailment and no personal liability. The personal accident sum pays only for an accident on a scheduled flight, ferry, train or bus, not a general travel accident, and baggage loss is capped at just S$1,000 per person. War, terrorism, self-inflicted injury, pregnancy and pre-existing conditions are excluded, as they are on most policies. In short, this card protects against a fatal or disabling common-carrier accident and pays some delay, luggage and purchase benefits, but it is not a substitute for a full travel insurance policy.
- Yes, and this is where the card is stronger. Purchase protection reimburses loss or accidental damage to items you buy on the card, up to S$2,000 per item, pair or set and up to S$10,000 per purchase, with a S$200 excess on each claim. The cover runs for 15 days after a local purchase and 30 days after an overseas purchase, and it applies to the principal cardmember's spending. So a laptop stolen a week after you bought it on the card can be claimed, less the S$200 excess. There is no extended warranty, price protection or mobile phone cover, so match the benefit to what you are buying.
- Yes. The UOB Visa Infinite is a personal accident and purchase certificate, not full travel insurance. It pays a large lump sum for a fatal or disabling accident on a scheduled flight, ferry or train, plus some delay, luggage and purchase benefits, but it covers no overseas medical treatment, no evacuation and no trip cancellation. A single hospital admission abroad, which MediShield Life does not cover outside Singapore, can pass S$100,000, and this card pays none of it. A standalone travel policy fills those gaps from around S$20 for a single trip and usually covers COVID-19 medical and cancellation too. Treat the card cover as a top-up, not a replacement.
- No. The UOB Visa Infinite does not include mobile phone insurance. Its purchase protection can pay for a phone that is lost or accidentally damaged within the claim window if you bought it on the card, but there is no dedicated phone benefit, no cover for a cracked screen outside that window, and no extended warranty. Replacing a flagship smartphone out of pocket runs about S$1,200 to S$2,300, and a screen repair alone can be S$200 to S$600. For ongoing phone protection you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone cover.
Not just UOB
Other cards worth considering
Visa Infinite is a strong choice — but depending on what you prioritize, one of these may suit you better.
Prestige
Citibank
TravelOne
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Revolution
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Visa Infinite Metal
UOB
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