Travel insurance
How UOI prices travel insurance
Priced online
What the figures include
The table's figures already include 9% GST.
Prices from this table are as at 19 Oct 2026, the day we last checked them against UOI's own online quotes.
The insurer prices by its own areas (1, 2, 3). A trip is priced on the widest area of the countries you visit. Annual cover uses the area of its region. It doesn't cover trips to Afghanistan, Congo (Democratic Republic), Iran, Iraq, Libya, Nepal, North Korea, Somalia, Sudan, Syria and Yemen, so a trip that includes one gets no price from it.
A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 3, live since 19 Oct 2026.
Plans and how each is priced
UniTravel Value
Offered when Trip type is Single trip; Travellers is 1; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$36.00 to S$1,344.00.
Excess None
UniTravel Value, Group plan for two (each traveller priced)
Offered when Trip type is Single trip; Travellers is 2; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$36.00 to S$1,344.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Value, Group plan (each traveller priced; 3 to 8 travellers)
Offered when Trip type is Single trip; Adults 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$36.00 to S$1,344.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Value, Family plan (1 or 2 adults with children)
Offered when Trip type is Single trip; Children 1 or more; Adults up to 2; Travellers 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$90.00 to S$3,371.00.
Excess None
UniTravel Value Annual Multi-Trip
Offered when Trip type is Annual multi-trip; Travellers is 1
| Region | Figure |
|---|---|
| Asia | S$278.00 |
| ASEAN | S$278.00 |
| Worldwide | S$437.00 |
Excess None
UniTravel Value Annual Multi-Trip, Group plan (each traveller priced; 2 to 8 travellers)
Offered when Trip type is Annual multi-trip; Children is 0; Travellers 2 or more; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$278.00 |
| ASEAN | S$278.00 |
| Worldwide | S$437.00 |
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Value Annual Multi-Trip, Family plan (1 or 2 adults with children)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$549.00 |
| ASEAN | S$549.00 |
| Worldwide | S$784.00 |
Excess None
UniTravel Plus
Offered when Trip type is Single trip; Travellers is 1; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$47.00 to S$1,758.00.
Excess None
UniTravel Plus, Group plan for two (each traveller priced)
Offered when Trip type is Single trip; Travellers is 2; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$47.00 to S$1,758.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Plus, Group plan (each traveller priced; 3 to 8 travellers)
Offered when Trip type is Single trip; Adults 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$47.00 to S$1,758.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Plus, Family plan (1 or 2 adults with children)
Offered when Trip type is Single trip; Children 1 or more; Adults up to 2; Travellers 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$117.00 to S$4,384.00.
Excess None
UniTravel Plus Annual Multi-Trip
Offered when Trip type is Annual multi-trip; Travellers is 1
| Region | Figure |
|---|---|
| Asia | S$407.00 |
| ASEAN | S$407.00 |
| Worldwide | S$566.00 |
Excess None
UniTravel Plus Annual Multi-Trip, Group plan (each traveller priced; 2 to 8 travellers)
Offered when Trip type is Annual multi-trip; Children is 0; Travellers 2 or more; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$407.00 |
| ASEAN | S$407.00 |
| Worldwide | S$566.00 |
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Plus Annual Multi-Trip, Family plan (1 or 2 adults with children)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$714.00 |
| ASEAN | S$714.00 |
| Worldwide | S$1,020.00 |
Excess None
UniTravel Pro
Offered when Trip type is Single trip; Travellers is 1; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$65.00 to S$2,441.00.
Excess None
UniTravel Pro, Group plan for two (each traveller priced)
Offered when Trip type is Single trip; Travellers is 2; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$65.00 to S$2,441.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Pro, Group plan (each traveller priced; 3 to 8 travellers)
Offered when Trip type is Single trip; Adults 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$65.00 to S$2,441.00.
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Pro, Family plan (1 or 2 adults with children)
Offered when Trip type is Single trip; Children 1 or more; Adults up to 2; Travellers 3 or more; Travellers up to 8; Trip length up to 185 days; Insurer's area is 1, 2, 3
Base premium One figure for each of 3 areas (1, 2, 3) by 185 bands of trip length, from S$162.00 to S$6,081.00.
Excess None
UniTravel Pro Annual Multi-Trip
Offered when Trip type is Annual multi-trip; Travellers is 1
| Region | Figure |
|---|---|
| Asia | S$563.00 |
| ASEAN | S$563.00 |
| Worldwide | S$785.00 |
Excess None
UniTravel Pro Annual Multi-Trip, Group plan (each traveller priced; 2 to 8 travellers)
Offered when Trip type is Annual multi-trip; Children is 0; Travellers 2 or more; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$563.00 |
| ASEAN | S$563.00 |
| Worldwide | S$785.00 |
| Travellers | Figure |
|---|---|
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
Excess None
UniTravel Pro Annual Multi-Trip, Family plan (1 or 2 adults with children)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Travellers up to 8
| Region | Figure |
|---|---|
| Asia | S$988.00 |
| ASEAN | S$988.00 |
| Worldwide | S$1,411.00 |
Excess None
Worked examples
We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.
| Example | Answers | Working | Premium |
|---|---|---|---|
| UniTravel Value: Malaysia (Area 1), 7 days, one travellerUniTravel Value |
|
| S$49.00 |
| UniTravel Plus: Malaysia (Area 1), 7 days, one travellerUniTravel Plus |
|
| S$63.00 |
| UniTravel Pro: Malaysia (Area 1), 7 days, one travellerUniTravel Pro |
|
| S$87.00 |
| UniTravel Value: Japan (Area 2), 1 day, one travellerUniTravel Value |
|
| S$50.00 |
| UniTravel Pro: France (Area 3), 185 days, one travellerUniTravel Pro |
|
| S$2,441.00 |
| UniTravel Plus, Group plan: France (Area 3), 10 days, 3 travellersUniTravel Plus, Group plan (each traveller priced; 3 to 8 travellers) |
|
| S$495.00 |
Show the other 8 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| UniTravel Value, Group plan: Japan (Area 2), 10 days, 2 adultsUniTravel Value, Group plan for two (each traveller priced) |
|
| S$198.00 |
| UniTravel Value, Family plan: Japan (Area 2), 10 days, 2 adults and 3 childrenUniTravel Value, Family plan (1 or 2 adults with children) |
|
| S$247.00 |
| UniTravel Pro, Family plan: Japan (Area 2), 10 days, 1 adult and 3 childrenUniTravel Pro, Family plan (1 or 2 adults with children) |
|
| S$445.00 |
| UniTravel Pro, Group plan for two: Malaysia (Area 1), 7 days, 1 adult and 1 childUniTravel Pro, Group plan for two (each traveller priced) |
|
| S$174.00 |
| UniTravel Value Annual: Asia Pacific (Area 4), one travellerUniTravel Value Annual Multi-Trip |
|
| S$278.00 |
| UniTravel Pro Annual: worldwide (Area 5), one travellerUniTravel Pro Annual Multi-Trip |
|
| S$785.00 |
| UniTravel Plus Annual, Group plan: Asia Pacific (Area 4), 3 travellersUniTravel Plus Annual Multi-Trip, Group plan (each traveller priced; 2 to 8 travellers) |
|
| S$1,221.00 |
| UniTravel Value Annual, Family plan: worldwide (Area 5), 2 adults and 3 childrenUniTravel Value Annual Multi-Trip, Family plan (1 or 2 adults with children) |
|
| S$784.00 |
Where the figures come from
- UOI UniTravel product page read 5 Oct 2026
- UniTravel FAQ read 5 Oct 2026
- UniTravel policy wording (Nov 2024) read 5 Oct 2026
- UOI UniTravel online quote app (Unqork; the page that signs the visitor in anonymously and loads the form) read 11 Oct 2026
Plus 10 files of saved quotes, data and screenshots from UOI's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.
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