Shenton Brokers
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Zurich

Travel insurance

How Zurich prices travel insurance

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 Zurich's own online quotes.

The insurer prices by its own areas (malaysia, indonesia, vietnam, indochina, thailand, hong-kong, taiwan, china, asia-americas, korea, australia-japan, rest-of-world, united-kingdom, united-states). 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 Belarus, Cuba, Iran, Myanmar, North Korea, Russia and Syria, 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 4, live since 19 Oct 2026.

Plans and how each is priced

Travel Guard Direct Basic

Offered when Trip type is Single trip; Who is covered is One adult; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$20.00 to S$690.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Basic, Group/Couple plan for two (each traveller priced)

Offered when Trip type is Single trip; Travellers is 2; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$20.00 to S$690.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Basic, Group/Couple plan (each traveller priced; 3 to 10 travellers)

Offered when Trip type is Single trip; Who is covered is A group of adults; Travellers up to 10; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$20.00 to S$690.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Basic, 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; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$49.00 to S$1,776.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Enhanced

Offered when Trip type is Single trip; Who is covered is One adult; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$33.00 to S$1,123.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Enhanced, Group/Couple plan for two (each traveller priced)

Offered when Trip type is Single trip; Travellers is 2; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$33.00 to S$1,123.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Enhanced, Group/Couple plan (each traveller priced; 3 to 10 travellers)

Offered when Trip type is Single trip; Who is covered is A group of adults; Travellers up to 10; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$33.00 to S$1,123.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Enhanced, 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; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$80.00 to S$2,811.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Supreme

Offered when Trip type is Single trip; Who is covered is One adult; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$52.00 to S$1,548.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Supreme, Group/Couple plan for two (each traveller priced)

Offered when Trip type is Single trip; Travellers is 2; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$52.00 to S$1,548.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Supreme, Group/Couple plan (each traveller priced; 3 to 10 travellers)

Offered when Trip type is Single trip; Who is covered is A group of adults; Travellers up to 10; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$52.00 to S$1,548.00.

Download all 2,548 figures (CSV)

Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 14 areas by 182 bands of trip length, multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Supreme, 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; Insurer's area is one of 14 listed values; Trip length up to 182 days

Base premium One figure for each of 14 areas by 182 bands of trip length, from S$126.00 to S$3,840.00.

Download all 2,548 figures (CSV)

Excess None

Travel Guard Direct Enhanced Annual Multi-Trip

Offered when Trip type is Annual multi-trip; Who is covered is One adult

Base premium
Insurer's areaFigure
asia-americasS$421.00
Any otherS$590.00

Excess None

Travel Guard Direct Enhanced Annual Multi-Trip, Group/Couple plan for two (each traveller priced)

Offered when Trip type is Annual multi-trip; Travellers is 2

Base premium
Insurer's areaFigure
asia-americasS$421.00
Any otherS$590.00
Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 1 areas (asia-americas), multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Show all 2 figures
Plus
Insurer's areaFigure
asia-americasS$310.00
Any otherS$434.00

Excess None

Travel Guard Direct Enhanced Annual Multi-Trip, Group/Couple plan (each traveller priced; 3 to 10 travellers)

Offered when Trip type is Annual multi-trip; Who is covered is A group of adults; Travellers up to 10

Base premium
Insurer's areaFigure
asia-americasS$421.00
Any otherS$590.00
Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 1 areas (asia-americas), multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Show all 2 figures
Plus
Insurer's areaFigure
asia-americasS$310.00
Any otherS$434.00

Excess None

Travel Guard Direct Enhanced 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 3 or more

Base premium
Insurer's areaFigure
asia-americasS$1,051.00
Any otherS$1,474.00

Excess None

Travel Guard Direct Supreme Annual Multi-Trip

Offered when Trip type is Annual multi-trip; Who is covered is One adult

Base premium
Insurer's areaFigure
asia-americasS$470.00
Any otherS$663.00

Excess None

Travel Guard Direct Supreme Annual Multi-Trip, Group/Couple plan for two (each traveller priced)

Offered when Trip type is Annual multi-trip; Travellers is 2

Base premium
Insurer's areaFigure
asia-americasS$470.00
Any otherS$663.00
Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 1 areas (asia-americas), multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Show all 2 figures
Plus
Insurer's areaFigure
asia-americasS$406.00
Any otherS$572.00

Excess None

Travel Guard Direct Supreme Annual Multi-Trip, Group/Couple plan (each traveller priced; 3 to 10 travellers)

Offered when Trip type is Annual multi-trip; Who is covered is A group of adults; Travellers up to 10

Base premium
Insurer's areaFigure
asia-americasS$470.00
Any otherS$663.00
Multiplied by
AdultsFigure
1×1.00
2×2.00
3×3.00
4×4.00
5×5.00
6×6.00
7×7.00
8×8.00
9×9.00
10×10.00

Plus One figure for each of 1 areas (asia-americas), multiplied by a factor for each of 6 children values (0, 1, 2, 3, 4, 5).

Show all 2 figures
Plus
Insurer's areaFigure
asia-americasS$406.00
Any otherS$572.00

Excess None

Travel Guard Direct Supreme 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 3 or more

Base premium
Insurer's areaFigure
asia-americasS$1,171.00
Any otherS$1,690.00

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.

ExampleAnswersWorkingPremium
Travel Guard Direct Basic, Malaysia, 7 days, one adultTravel Guard Direct Basic
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 1
  1. Base S$30.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$30.00
S$30.00
Travel Guard Direct Basic, Japan, 14 days, one adultTravel Guard Direct Basic
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: JP
  • Travellers: 1
  1. Base S$77.00 (Insurer's area australia-japan, Trip length 14 days)
  2. GST is included: S$77.00
S$77.00
Travel Guard Direct Basic, United States, 30 days, one adultTravel Guard Direct Basic
  • Insurer's area: united-states
  • Trip length: 30 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: US
  • Travellers: 1
  1. Base S$206.00 (Insurer's area united-states, Trip length 30 days)
  2. GST is included: S$206.00
S$206.00
Travel Guard Direct Basic, France, 10 days, one adultTravel Guard Direct Basic
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 1
  1. Base S$72.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. GST is included: S$72.00
S$72.00
Travel Guard Direct Basic, Thailand, 1 day, one adultTravel Guard Direct Basic
  • Insurer's area: thailand
  • Trip length: 1 day
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 1
  1. Base S$26.00 (Insurer's area thailand, Trip length Up to 1 day)
  2. GST is included: S$26.00
S$26.00
Travel Guard Direct Basic, United Kingdom, 182 days, one adultTravel Guard Direct Basic
  • Insurer's area: united-kingdom
  • Trip length: 182 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: GB
  • Travellers: 1
  1. Base S$670.00 (Insurer's area united-kingdom, Trip length 182 days)
  2. GST is included: S$670.00
S$670.00
Show the other 53 examples
ExampleAnswersWorkingPremium
Travel Guard Direct Basic, India, 8 days, one adultTravel Guard Direct Basic
  • Insurer's area: asia-americas
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: IN
  • Travellers: 1
  1. Base S$47.00 (Insurer's area asia-americas, Trip length 8 days)
  2. GST is included: S$47.00
S$47.00
Travel Guard Direct Basic, Malaysia and Japan (the dearest group on the trip), 7 days, one adultTravel Guard Direct Basic
  • Insurer's area: australia-japan
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: MY,JP
  • Travellers: 1
  1. Base S$58.00 (Insurer's area australia-japan, Trip length 7 days)
  2. GST is included: S$58.00
S$58.00
Travel Guard Direct Basic, Group/Couple plan, Australia, 14 days, 3 adultsTravel Guard Direct Basic, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: AU
  • Travellers: 3
  1. Base S$77.00 (Insurer's area australia-japan, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$231.00
  3. + S$0.00 (Insurer's area australia-japan, Trip length 14 days, Children 0) = S$231.00
  4. GST is included: S$231.00
S$231.00
Travel Guard Direct Basic, Group/Couple plan, France, 10 days, 2 adultsTravel Guard Direct Basic, Group/Couple plan for two (each traveller priced)
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 2
  1. Base S$72.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. × 2.00 (Adults 2) = S$144.00
  3. + S$0.00 (Insurer's area rest-of-world, Trip length 10 days, Children 0) = S$144.00
  4. GST is included: S$144.00
S$144.00
Travel Guard Direct Basic, Group/Couple plan, Thailand, 7 days, 1 adult and 1 childTravel Guard Direct Basic, Group/Couple plan for two (each traveller priced)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 1
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 2
  1. Base S$42.00 (Insurer's area thailand, Trip length 7 days)
  2. × 1.00 (Adults 1) = S$42.00
  3. + S$31.00 (Insurer's area thailand, Trip length 7 days, Children 1) = S$73.00
  4. GST is included: S$73.00
S$73.00
Travel Guard Direct Basic, Group/Couple plan, France, 14 days, 3 adults and 2 childrenTravel Guard Direct Basic, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: rest-of-world
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Worldwide
  • Children: 2
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 5
  1. Base S$80.00 (Insurer's area rest-of-world, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$240.00
  3. + S$118.00 (Insurer's area rest-of-world, Trip length 14 days, Children 2) = S$358.00
  4. GST is included: S$358.00
S$358.00
Travel Guard Direct Basic, Nepal, 8 days, one adultTravel Guard Direct Basic
  • Insurer's area: rest-of-world
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: NP
  • Travellers: 1
  1. Base S$70.00 (Insurer's area rest-of-world, Trip length 8 days)
  2. GST is included: S$70.00
S$70.00
Travel Guard Direct Basic, Family plan, Thailand, 7 days, 2 adults and 2 childrenTravel Guard Direct Basic, Family plan (1 or 2 adults with children)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 4
  1. Base S$100.00 (Insurer's area thailand, Trip length 7 days)
  2. GST is included: S$100.00
S$100.00
Travel Guard Direct Basic, Family plan, Malaysia, 7 days, 1 adult and 2 childrenTravel Guard Direct Basic, Family plan (1 or 2 adults with children)
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 3
  1. Base S$73.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$73.00
S$73.00
Travel Guard Direct Enhanced, Malaysia, 7 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 1
  1. Base S$54.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$54.00
S$54.00
Travel Guard Direct Enhanced, Japan, 14 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: JP
  • Travellers: 1
  1. Base S$113.00 (Insurer's area australia-japan, Trip length 14 days)
  2. GST is included: S$113.00
S$113.00
Travel Guard Direct Enhanced, United States, 30 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: united-states
  • Trip length: 30 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: US
  • Travellers: 1
  1. Base S$309.00 (Insurer's area united-states, Trip length 30 days)
  2. GST is included: S$309.00
S$309.00
Travel Guard Direct Enhanced, France, 10 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 1
  1. Base S$139.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. GST is included: S$139.00
S$139.00
Travel Guard Direct Enhanced, Thailand, 1 day, one adultTravel Guard Direct Enhanced
  • Insurer's area: thailand
  • Trip length: 1 day
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 1
  1. Base S$44.00 (Insurer's area thailand, Trip length Up to 1 day)
  2. GST is included: S$44.00
S$44.00
Travel Guard Direct Enhanced, United Kingdom, 182 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: united-kingdom
  • Trip length: 182 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: GB
  • Travellers: 1
  1. Base S$1,086.00 (Insurer's area united-kingdom, Trip length 182 days)
  2. GST is included: S$1,086.00
S$1,086.00
Travel Guard Direct Enhanced, India, 8 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: asia-americas
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: IN
  • Travellers: 1
  1. Base S$83.00 (Insurer's area asia-americas, Trip length 8 days)
  2. GST is included: S$83.00
S$83.00
Travel Guard Direct Enhanced, Malaysia and Japan (the dearest group on the trip), 7 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: australia-japan
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: MY,JP
  • Travellers: 1
  1. Base S$89.00 (Insurer's area australia-japan, Trip length 7 days)
  2. GST is included: S$89.00
S$89.00
Travel Guard Direct Enhanced, Group/Couple plan, Australia, 14 days, 3 adultsTravel Guard Direct Enhanced, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: AU
  • Travellers: 3
  1. Base S$113.00 (Insurer's area australia-japan, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$339.00
  3. + S$0.00 (Insurer's area australia-japan, Trip length 14 days, Children 0) = S$339.00
  4. GST is included: S$339.00
S$339.00
Travel Guard Direct Enhanced, Group/Couple plan, France, 10 days, 2 adultsTravel Guard Direct Enhanced, Group/Couple plan for two (each traveller priced)
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 2
  1. Base S$139.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. × 2.00 (Adults 2) = S$278.00
  3. + S$0.00 (Insurer's area rest-of-world, Trip length 10 days, Children 0) = S$278.00
  4. GST is included: S$278.00
S$278.00
Travel Guard Direct Enhanced, Group/Couple plan, Thailand, 7 days, 1 adult and 1 childTravel Guard Direct Enhanced, Group/Couple plan for two (each traveller priced)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 1
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 2
  1. Base S$70.00 (Insurer's area thailand, Trip length 7 days)
  2. × 1.00 (Adults 1) = S$70.00
  3. + S$62.00 (Insurer's area thailand, Trip length 7 days, Children 1) = S$132.00
  4. GST is included: S$132.00
S$132.00
Travel Guard Direct Enhanced, Group/Couple plan, France, 14 days, 3 adults and 2 childrenTravel Guard Direct Enhanced, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: rest-of-world
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Worldwide
  • Children: 2
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 5
  1. Base S$149.00 (Insurer's area rest-of-world, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$447.00
  3. + S$262.00 (Insurer's area rest-of-world, Trip length 14 days, Children 2) = S$709.00
  4. GST is included: S$709.00
S$709.00
Travel Guard Direct Enhanced, Nepal, 8 days, one adultTravel Guard Direct Enhanced
  • Insurer's area: rest-of-world
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: NP
  • Travellers: 1
  1. Base S$136.00 (Insurer's area rest-of-world, Trip length 8 days)
  2. GST is included: S$136.00
S$136.00
Travel Guard Direct Enhanced, Family plan, Thailand, 7 days, 2 adults and 2 childrenTravel Guard Direct Enhanced, Family plan (1 or 2 adults with children)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 4
  1. Base S$171.00 (Insurer's area thailand, Trip length 7 days)
  2. GST is included: S$171.00
S$171.00
Travel Guard Direct Enhanced, Family plan, Malaysia, 7 days, 1 adult and 2 childrenTravel Guard Direct Enhanced, Family plan (1 or 2 adults with children)
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 3
  1. Base S$130.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$130.00
S$130.00
Travel Guard Direct Supreme, Malaysia, 7 days, one adultTravel Guard Direct Supreme
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 1
  1. Base S$86.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$86.00
S$86.00
Travel Guard Direct Supreme, Japan, 14 days, one adultTravel Guard Direct Supreme
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: JP
  • Travellers: 1
  1. Base S$174.00 (Insurer's area australia-japan, Trip length 14 days)
  2. GST is included: S$174.00
S$174.00
Travel Guard Direct Supreme, United States, 30 days, one adultTravel Guard Direct Supreme
  • Insurer's area: united-states
  • Trip length: 30 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: US
  • Travellers: 1
  1. Base S$382.00 (Insurer's area united-states, Trip length 30 days)
  2. GST is included: S$382.00
S$382.00
Travel Guard Direct Supreme, France, 10 days, one adultTravel Guard Direct Supreme
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 1
  1. Base S$183.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. GST is included: S$183.00
S$183.00
Travel Guard Direct Supreme, Thailand, 1 day, one adultTravel Guard Direct Supreme
  • Insurer's area: thailand
  • Trip length: 1 day
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 1
  1. Base S$69.00 (Insurer's area thailand, Trip length Up to 1 day)
  2. GST is included: S$69.00
S$69.00
Travel Guard Direct Supreme, United Kingdom, 182 days, one adultTravel Guard Direct Supreme
  • Insurer's area: united-kingdom
  • Trip length: 182 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: GB
  • Travellers: 1
  1. Base S$1,505.00 (Insurer's area united-kingdom, Trip length 182 days)
  2. GST is included: S$1,505.00
S$1,505.00
Travel Guard Direct Supreme, India, 8 days, one adultTravel Guard Direct Supreme
  • Insurer's area: asia-americas
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: IN
  • Travellers: 1
  1. Base S$111.00 (Insurer's area asia-americas, Trip length 8 days)
  2. GST is included: S$111.00
S$111.00
Travel Guard Direct Supreme, Malaysia and Japan (the dearest group on the trip), 7 days, one adultTravel Guard Direct Supreme
  • Insurer's area: australia-japan
  • Trip length: 7 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: MY,JP
  • Travellers: 1
  1. Base S$136.00 (Insurer's area australia-japan, Trip length 7 days)
  2. GST is included: S$136.00
S$136.00
Travel Guard Direct Supreme, Group/Couple plan, Australia, 14 days, 3 adultsTravel Guard Direct Supreme, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: australia-japan
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: AU
  • Travellers: 3
  1. Base S$174.00 (Insurer's area australia-japan, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$522.00
  3. + S$0.00 (Insurer's area australia-japan, Trip length 14 days, Children 0) = S$522.00
  4. GST is included: S$522.00
S$522.00
Travel Guard Direct Supreme, Group/Couple plan, France, 10 days, 2 adultsTravel Guard Direct Supreme, Group/Couple plan for two (each traveller priced)
  • Insurer's area: rest-of-world
  • Trip length: 10 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: Worldwide
  • Children: 0
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 2
  1. Base S$183.00 (Insurer's area rest-of-world, Trip length 10 days)
  2. × 2.00 (Adults 2) = S$366.00
  3. + S$0.00 (Insurer's area rest-of-world, Trip length 10 days, Children 0) = S$366.00
  4. GST is included: S$366.00
S$366.00
Travel Guard Direct Supreme, Group/Couple plan, Thailand, 7 days, 1 adult and 1 childTravel Guard Direct Supreme, Group/Couple plan for two (each traveller priced)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 1
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 2
  1. Base S$111.00 (Insurer's area thailand, Trip length 7 days)
  2. × 1.00 (Adults 1) = S$111.00
  3. + S$103.00 (Insurer's area thailand, Trip length 7 days, Children 1) = S$214.00
  4. GST is included: S$214.00
S$214.00
Travel Guard Direct Supreme, Group/Couple plan, France, 14 days, 3 adults and 2 childrenTravel Guard Direct Supreme, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: rest-of-world
  • Trip length: 14 days
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Worldwide
  • Children: 2
  • Trip type: Single trip
  • Countries: FR
  • Travellers: 5
  1. Base S$196.00 (Insurer's area rest-of-world, Trip length 14 days)
  2. × 3.00 (Adults 3) = S$588.00
  3. + S$364.00 (Insurer's area rest-of-world, Trip length 14 days, Children 2) = S$952.00
  4. GST is included: S$952.00
S$952.00
Travel Guard Direct Supreme, Nepal, 8 days, one adultTravel Guard Direct Supreme
  • Insurer's area: rest-of-world
  • Trip length: 8 days
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Single trip
  • Countries: NP
  • Travellers: 1
  1. Base S$179.00 (Insurer's area rest-of-world, Trip length 8 days)
  2. GST is included: S$179.00
S$179.00
Travel Guard Direct Supreme, Family plan, Thailand, 7 days, 2 adults and 2 childrenTravel Guard Direct Supreme, Family plan (1 or 2 adults with children)
  • Insurer's area: thailand
  • Trip length: 7 days
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: TH
  • Travellers: 4
  1. Base S$277.00 (Insurer's area thailand, Trip length 7 days)
  2. GST is included: S$277.00
S$277.00
Travel Guard Direct Supreme, Family plan, Malaysia, 7 days, 1 adult and 2 childrenTravel Guard Direct Supreme, Family plan (1 or 2 adults with children)
  • Insurer's area: malaysia
  • Trip length: 7 days
  • Who is covered: One adult and children
  • Adults: 1
  • Region: ASEAN
  • Children: 2
  • Trip type: Single trip
  • Countries: MY
  • Travellers: 3
  1. Base S$209.00 (Insurer's area malaysia, Trip length 7 days)
  2. GST is included: S$209.00
S$209.00
Travel Guard Direct Enhanced Annual Multi-Trip, worldwide, one adultTravel Guard Direct Enhanced Annual Multi-Trip
  • Insurer's area: rest-of-world
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$590.00 (Insurer's area rest-of-world)
  2. GST is included: S$590.00
S$590.00
Travel Guard Direct Enhanced Annual Multi-Trip, ASEAN region asked, one adultTravel Guard Direct Enhanced Annual Multi-Trip
  • Insurer's area: asia-americas
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$421.00 (Insurer's area asia-americas)
  2. GST is included: S$421.00
S$421.00
Travel Guard Direct Enhanced Annual Multi-Trip, Asia Pacific region asked, one adultTravel Guard Direct Enhanced Annual Multi-Trip
  • Insurer's area: rest-of-world
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$590.00 (Insurer's area rest-of-world)
  2. GST is included: S$590.00
S$590.00
Travel Guard Direct Enhanced Annual Multi-Trip, ASEAN, Family plan, 2 adults and 2 childrenTravel Guard Direct Enhanced Annual Multi-Trip, Family plan (1 or 2 adults with children)
  • Insurer's area: asia-americas
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 2
  • Trip type: Annual multi-trip
  • Travellers: 4
  1. Base S$1,051.00 (Insurer's area asia-americas)
  2. GST is included: S$1,051.00
S$1,051.00
Travel Guard Direct Enhanced Annual Multi-Trip, Family plan, 2 adults and 1 childTravel Guard Direct Enhanced Annual Multi-Trip, Family plan (1 or 2 adults with children)
  • Insurer's area: rest-of-world
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: Worldwide
  • Children: 1
  • Trip type: Annual multi-trip
  • Travellers: 3
  1. Base S$1,474.00 (Insurer's area rest-of-world)
  2. GST is included: S$1,474.00
S$1,474.00
Travel Guard Direct Enhanced Annual Multi-Trip, Group/Couple plan, 3 adultsTravel Guard Direct Enhanced Annual Multi-Trip, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: rest-of-world
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Worldwide
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 3
  1. Base S$590.00 (Insurer's area rest-of-world)
  2. × 3.00 (Adults 3) = S$1,770.00
  3. + S$0.00 (Insurer's area rest-of-world, Children 0) = S$1,770.00
  4. GST is included: S$1,770.00
S$1,770.00
Travel Guard Direct Enhanced Annual Multi-Trip, ASEAN, Group/Couple plan, 2 adultsTravel Guard Direct Enhanced Annual Multi-Trip, Group/Couple plan for two (each traveller priced)
  • Insurer's area: asia-americas
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 2
  1. Base S$421.00 (Insurer's area asia-americas)
  2. × 2.00 (Adults 2) = S$842.00
  3. + S$0.00 (Insurer's area asia-americas, Children 0) = S$842.00
  4. GST is included: S$842.00
S$842.00
Travel Guard Direct Supreme Annual Multi-Trip, worldwide, one adultTravel Guard Direct Supreme Annual Multi-Trip
  • Insurer's area: rest-of-world
  • Who is covered: One adult
  • Adults: 1
  • Region: Worldwide
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$663.00 (Insurer's area rest-of-world)
  2. GST is included: S$663.00
S$663.00
Travel Guard Direct Supreme Annual Multi-Trip, ASEAN region asked, one adultTravel Guard Direct Supreme Annual Multi-Trip
  • Insurer's area: asia-americas
  • Who is covered: One adult
  • Adults: 1
  • Region: ASEAN
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$470.00 (Insurer's area asia-americas)
  2. GST is included: S$470.00
S$470.00
Travel Guard Direct Supreme Annual Multi-Trip, Asia Pacific region asked, one adultTravel Guard Direct Supreme Annual Multi-Trip
  • Insurer's area: rest-of-world
  • Who is covered: One adult
  • Adults: 1
  • Region: Asia
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 1
  1. Base S$663.00 (Insurer's area rest-of-world)
  2. GST is included: S$663.00
S$663.00
Travel Guard Direct Supreme Annual Multi-Trip, ASEAN, Family plan, 2 adults and 2 childrenTravel Guard Direct Supreme Annual Multi-Trip, Family plan (1 or 2 adults with children)
  • Insurer's area: asia-americas
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 2
  • Trip type: Annual multi-trip
  • Travellers: 4
  1. Base S$1,171.00 (Insurer's area asia-americas)
  2. GST is included: S$1,171.00
S$1,171.00
Travel Guard Direct Supreme Annual Multi-Trip, Family plan, 2 adults and 1 childTravel Guard Direct Supreme Annual Multi-Trip, Family plan (1 or 2 adults with children)
  • Insurer's area: rest-of-world
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: Worldwide
  • Children: 1
  • Trip type: Annual multi-trip
  • Travellers: 3
  1. Base S$1,690.00 (Insurer's area rest-of-world)
  2. GST is included: S$1,690.00
S$1,690.00
Travel Guard Direct Supreme Annual Multi-Trip, Group/Couple plan, 3 adultsTravel Guard Direct Supreme Annual Multi-Trip, Group/Couple plan (each traveller priced; 3 to 10 travellers)
  • Insurer's area: rest-of-world
  • Who is covered: A group of adults
  • Adults: 3
  • Region: Worldwide
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 3
  1. Base S$663.00 (Insurer's area rest-of-world)
  2. × 3.00 (Adults 3) = S$1,989.00
  3. + S$0.00 (Insurer's area rest-of-world, Children 0) = S$1,989.00
  4. GST is included: S$1,989.00
S$1,989.00
Travel Guard Direct Supreme Annual Multi-Trip, ASEAN, Group/Couple plan, 2 adultsTravel Guard Direct Supreme Annual Multi-Trip, Group/Couple plan for two (each traveller priced)
  • Insurer's area: asia-americas
  • Who is covered: Two adults and children
  • Adults: 2
  • Region: ASEAN
  • Children: 0
  • Trip type: Annual multi-trip
  • Travellers: 2
  1. Base S$470.00 (Insurer's area asia-americas)
  2. × 2.00 (Adults 2) = S$940.00
  3. + S$0.00 (Insurer's area asia-americas, Children 0) = S$940.00
  4. GST is included: S$940.00
S$940.00

Where the figures come from

Plus 8 files of saved quotes, data and screenshots from Zurich's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes.

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