cruise singapore insurance

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Best Cruise Travel Insurance Singapore

Whether it's the Disney Cruise Line’s Disney-themed voyages or Princess cruise’s luxurious vacations, cruise holidays are great for multi-generational families. There’s much less walking than regular land tours, which make it senior-friendly. If you would like to dock and explore land destinations via specific cruises soon, consider getting cruise insurance that provides adequate coverage!

Top 4 Popular Cruise Ships in Singapore (2024)

The top cruise liners and packages available right now are from Princess Cruises, Dream Cruises and Royal Carribean.

Specialises in short SEA cruises

Royal Caribbean is one of the most popular cruise operators in Singapore, with 3 main cruise liners: Anthem of the Seas, Ovation of the Seas and Spectrum of the Seas. The shorter cruises like the 4-night Penang and Phuket Cruise (from $475 per person) and 3-night Penang Cruise ($342 per person) are onboard the Ovation of the Seas.

Travel for 10 to 21 days

Princess Cruises specialises in longer cruises. Asian cruises can go up to 28 days. It offers premium cruise experiences at affordable prices. If you're more adventurous, their longest voyage aboard Island Princess which is set to sail in January 2025 may be just the right thing for you as it entails an epic 116-day round-trip World Cruise from both Ft. Lauderdale and Los Angeles, visiting 51 destinations in 26 countries across 6 continents.

Award-winning cruise

Formerly known as Dream Cruises, Resorts World Cruises is a brand extension of Resorts World. It offers short getaways from Singapore, with cruise lengths ranging from 2 to 5 nights. These round-trip cruises explore Southeast Asian destinations like Malaysia, Thailand, and Indonesia. Onboard their flagship, the Genting Dream, you can experience various shows and enjoy a variety of dining options across 35 restaurants.

Great for Disney-themed voyages

Disney Adventure, a unique Disney-themed cruise, will sail from Singapore starting in 2025. Departing from Marina Bay Cruise Centre, this first Disney Cruise Line ship to homeport in Asia offers three- and four-night voyages. The collaboration with the Singapore Tourism Board will last at least five years, providing an exclusive Disneyland experience while traveling to various ports.f the most popular cruise operators in Singapore, with 3 main cruise liners: Quantum of the Seas, Voyager of the Seas and Spectrum of the Seas. The shorter cruises like the 4-night Penang and Phuket Cruise ($439 per person) and 3-night Penang Cruise ($329 per person) are onboard Spectrum of the Seas.

How to buy cruise travel insurance?

Most cruise companies will allow you to add-on insurance when you are booking your holiday. But the premiums for such plans are usually higher. In Singapore, most basic travel insurance plans cover cruise holidays. See below for 3 most affordable plans. If you are unsure or want to be extra careful, call in to enquire.

You also may have complimentary travel insurance with some of your existing credit cards. Do check if the coverage extends to cruise holidays.

We asked Singaporeans about flight disruptions, and they answered.

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

Compare Best Travel Insurance With Cruise Coverage (2024): 4-day Single-Trip

*All figures and estimated premium rates are accurate at the time of writing on 9 July 2024, based on a 4D3N single-trip plan to a country in Southeast Asia, and all information was last updated on 9 July 2024.

How to select cruise travel insurance?

Medical evacuation.

Compared to a typical holiday, compensation for medical evacuation is important when you are travelling on a cruise. Medical facilities onboard a cruise are probably not as good as those available in hospitals, so you want to reach a hospital or medical facility as soon as possible during a medical emergency.

Protection against bad weather conditions

Also, being on a cruise ship means that you are more susceptible to weather conditions. You might want to look out for trip cancellation ahead of your travels, and purchase travel insurance as soon as you book your cruise holiday.

Coverage for island stops

You might be docking in different countries on a cruise ship. Make sure that your travel insurance provides coverage for all the stops you will be making.

Compare travel insurance plans in Singapore

Check providers on MoneySmart to find the best travel insurance plan with COVID-19 coverage, lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.

Frequently Asked Questions

Do i need special travel insurance for a cruise trip, how much is travel insurance for a cruise trip, can you buy cruise insurance after booking, related links.

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The Finest Cruise Insurance in Singapore

Taking a cruise is a thrilling experience that offers a unique combination of adventure and leisure on the vast ocean. You must plan for the unexpected and make sure you are at ease as you embark on your marine adventure from Singapore. Introduced in Singapore, Cruise Insurance is your defense against unforeseen mishaps and crises while cruising the colorful seas. We’ll navigate the complexities of cruise insurance in this guide, going over the many coverage options and helpful extras that promise to make your trip on the seas worry-free. Set sail with assurance as we discuss the essentials of obtaining all-inclusive cruise insurance that is customized for your particular journey.

Best Cruise Insurance in Singapore

Outdoor activities and expanded terrorist coverage are among the more than 50 services that MSIG insurance offers coverage for. Additional vital medical protection is also provided, such as accident benefits for pregnancies.

There is no upper age restriction for their premium plan, which also covers pre-existing medical illnesses, international hospitalization fees, and emergency medical evacuation and repatriation. They do provide some of the best cruise insurance in Singapore with this selection.

Highlights:

• Easy claim process
• Adventurous activities coverage

Good customer experiences. In fact, most consumers evaluate pricing upfront prior to insurance purchases. I evaluated MSIG services & their excellent customer responsiveness is impressive, including travel claims, and helper claims. I will repeatedly buy their products & highly recommend them to others, including family members . – Pei Hoon Lee

FWD Singapore

One of the most famous internet insurance companies on the island is FWD Singapore, which has won several awards for its work. They provide a variety of travel insurance benefits, including reimbursement for delays due to haze or inclement weather, unlimited medical evacuation coverage, and more.

Additionally, they provide a range of insurance solutions, from basic protection to premium protection, in the case of theft or damage to your belongings, as well as delays in transportation or luggage. The insurance is more practical for use in emergencies because it can be simply claimed using your mobile app.

• Worldwide emergency assistance
• Fraudulent personal credit card usage
• Additional coverage

Exceptional insurer with competitive products. Always a breeze to speak to their hotline. Their staff is helpful and knowledgeable. Recently made a claim on PA policy through their app as advised by the hotline and the process was very fuss-free. The claim was paid out quickly too. Impressed! – Joan Wang

AIG provides a wide range of insurance choices, including travel insurance that gives thorough protection. They can help you deal with any issue, including pre-departure bother, medical attention, travel or aircraft delays, personal injury, delayed baggage, and more.

Their insurance policies cover all travel charges such as transportation, lodging, Visa, and excursion costs in the event of trip cancellation or issues with the lodging provider.

You may use your insurance coverage whenever and wherever you need it with the help of the finest cruise insurance in Singapore, which provides 24/7 international travel support services through its international service centers across the globe.

• 24/7 in-house global assistance
• Inclusive medical services
• Responsive claims

AIG is very reliable. Their staff is also very helpful and friendly. They are knowledgeable and are able to answer my questions, and if they don’t, they will investigate and revert to me promptly. I will go with AIG anytime! – Sivashanmugam S

Starr Cruise Travel Insurance

The good news is that there is a new deal for the Starr Cruise to Nowhere Travel Insurance, and when you join up, SingSaver will give you a S$10 PayNow coupon. Plan your travel starting at $12 per day with a number of coverage options and add-ons customized to your requirements with this in mind.

• Medical expenses up to SG$1,000,000 including in and outpatient expenses and treatments
• Seamless and Cashless claims via PayNow
• Personal accident benefit of up to SG$500,000 maximum limit, covering 18 different insured events of disablement and accidental death

It’s been a week since my first-ever vacation in Europe. If it weren’t for Starr’s affordable rates, I never would have had travel insurance during my trip. Made me more confident to explore the place and just have fun. If you’re a first-time traveler like me, I highly recommend them . – John David Armecin

From organizing family holidays to going on solo experiences, NTUC offers a variety of travel services. Their comprehensive coverage includes personal accidents, medical costs, loss and damage to personal items, delays in travel or luggage, and other services.

Their two insurance plans, which mostly focus on medical support, are available to you. Thus, they may be the finest Singapore cruise insurance for you if you’re traveling with parents and other loved ones who have pre-existing conditions.

• Family members coverage
• Overseas study protection plan

Concepts were explained clearly and concisely. All in all, it was an eye-opening experience. The trainer is very competent and experienced. He shared a few of his past experiences as a paramedic and it gave us a better understanding and insights into the requirement of a First-Aid Responder . – Sayed Abdul Rasyid

Singlife with Aviva

Travel delays, illegal purchases, accidental incapacity, and death are all covered by the range of travel insurance solutions provided by Aviva. They offer dependable service with round-the-clock, every day of the week, emergency travel help.

Additionally, they provide specialized travel insurance for international sporting events, weddings, and picture shoots. As a consequence of these advantages, they have developed a reputation for offering some of the best cruise insurance in Singapore.

• Basic and enhanced insurance plans
• Offers a variety of travel insurance options

Had a great claims experience under the Group Insurance policy I have with Aviva. The customer Service Exec was extremely helpful and helped with a letter of guarantee which resulted in cashless hospitalization. All in all, they did what they suppose to do – paid my claim! – Sapna Kalra

Finally, as you are ready to go off on the magical voyage of a cruise from Singapore, getting Cruise Insurance becomes the compass that leads you through uncharted territory. It takes foresight to navigate the shifting waves, but with the correct coverage, you can cruise with assurance that unforeseen hiccups won’t ruin your nautical journey. Cruise insurance in Singapore is your go-to resource for security against lost bags, medical problems, and canceled trips. Allow the knowledge that you will have complete coverage to accompany you on your journey and add to the excitement of discovery, making every second spent at sea a once-in-a-lifetime opportunity. Good luck on your journey!

Do check out our list of Home Insurance and have time to check their services.

Frequently Asked Questions

What insurance do you need for cruise?

Can you add cruise insurance after booking, do cruise ships have insurance, why do i need cruise insurance for my trip from singapore, what does cruise insurance in singapore typically cover, are there specific cruise insurance options for different destinations from singapore, can i purchase cruise insurance after booking my cruise from singapore, do cruise insurance policies in singapore cover pre-existing medical conditions.

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InsureCruise

Enjoy every moment of your cruise with peace of mind. Get 10% off* when you purchase InsureCruise from now till 31 October 2024. *Terms and conditions apply.

Planning a cruise?

InsureCruise offers comprehensive and affordable coverage so you can enjoy every moment of your cruise holiday with peace of mind.

Protect yourself against unforeseen circumstances including COVID-19*, with InsureCruise.

Extensive coverage

Receive essential coverage before and during your trip; from trip cancellations, accidents, to serious illness (including COVID-19) and food poisoning medical expenses ^ . ^ Exclusions apply.

Daily stay allowance

Receive financial relief if you are hospitalised due to accident or serious illness (including COVID-19).

Disinfecting house expenses

Receive reimbursement of up to S$500 per household.

Before your trip

During your trip, frequently asked questions.

• What is the age eligibility for InsureCruise? Applicant age from 1 to 80 years old is eligible to purchase this travel insurance.
• I perform an Antigen Rapid Test (ART) before my trip and the result is “Positive”. I have to cancel my trip. Will InsureCruise cover my trip expenses? Yes, if your trip is cancelled due to yourself being diagnosed with COVID-19, we will provide a reimbursement of the irrecoverable expenses. The cover is effective only if this travel insurance is purchased before you become aware of any circumstances which could lead to the cancellation of the trip and the occurrence of any of the insured events must happen seven (7) days prior the commencement of the trip. However, please note that this travel insurance does not cover any costs associated with test kits.
• Besides trip expenses, what other insurance benefits will InsureCruise cover me if I contract COVID-19? If you have been fully vaccinated and still diagnosed with COVID-19 and is required to be admitted to the hospital or community care facility or community recovery facility for treatment of COVID-19, this travel insurance will pay you S$100 per day up to 7 days for each complete day stay. Such event is to happen at least seven (7) days prior the commencement of the trip We will also pay you a lump sum benefit of S$100 upon your discharge from the facility with a minimum five (5) days of treatment. In addition, we will reimburse you up to S$500 for the expense required to engage a licensed contractor to disinfect your house. Please refer to the policy contract for more information.
• Can I still apply if I have just recovered from COVID-19? Yes, you can still apply for InsureCruise as COVID-19 is not considered as a Pre-existing condition.
• I came down with food poisoning after consuming my buffet dinner in the cruise. Will my medical expenses be covered? Yes, InsureCruise will reimburse you for the medical expenses incurred within forty-eight (48) hours from the date of the incident that gave rise to the food poisoning happening during your trip. Please refer to the policy contract for more information.
• Can I purchase InsureCruise for my family or friends? Yes, you may. Please ensure you have their consent before purchase and to inform them upon successful purchase of this travel insurance.
• When does InsureCruise cover commence? The insurance commences when you leave your place of residence or business in Singapore (whichever is the later) and ends at the time of return to your residence or business in Singapore or expiry of the Certificate of Insurance/ Schedule (whichever is the earlier). Trip Cancellation starts seven (7) days prior the commencement of the trip.
• If I cancel my InsureCruise policy, can I get a premium refund? There is no refund of insurance premium paid once the Certificate of Insurance and/or Schedule is issued and premium charged.
• How can I make a claim? You may contact our Claims Division at 6222 7733 during UOI business hours. We will advise you on the claim procedure depending on the type of claims. UOI’s business hours Monday to Thursday: 8:45am to 5:45pm Friday: 8.45am to 4.45pm Closed on weekends and public holidays.

Important information

Important notice and disclaimers

InsureCruise Promotion Terms and Conditions

View promotion terms and conditions here

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.

Policy Owners’ Protection Scheme

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

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6 Best Travel Insurance Plans in Singapore (Aug 2024)

On my very first overseas trip without my parents, the airline lost my luggage for almost 24 hours.

I was headed to Madrid, Spain, and had a layover in Zurich, Switzerland. It was there (probably while I was drooling over gourmet Swiss chocolates in the airport) that my luggage somehow got left behind.

It caught up to me the next day, magically appearing at the reception area of my accommodation in Spain. Given the length of time that had elapsed, many people I later recounted this story to asked me, “did you get compensation from your insurance?”

Then 19-year-old me knew enough about the world to get travel insurance , but didn’t know enough to realise you need to submit a claim in order to get compensation for delayed luggage. So no—sadly, I didn’t get a cent.

But that’s just my story of travel mishaps. All things considered, there are plenty of ways a vacation could go awry. Delayed luggage could end up being completely lost luggage. And that’s before we consider  flight delays , falling ill overseas, getting pickpocketed, and more.

That’s why travel insurance is the next most important thing besides your flight ticket. Find out how to choose a plan, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance in Singapore and their ongoing promotions.

Best Travel Insurance in Singapore (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore

1. Best travel insurance in Singapore

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation—we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans in Singapore . So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

Back to top

2. Bubblegum travel insurance

Bubblegum travel insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium   Get over S$90 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$25  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you cash rewards when you purchase their travel insurance:

• S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
• Up to S$25 via PayNow with eligible premiums spent

Plus, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week.

Promotion valid till 31 Aug 2024. T&Cs apply.

3. FWD travel insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • For a limited time only, enjoy up to   30% off your policy premium. Valid till 7 Sep 2024.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers– FWD Premium , FWD Business , and  FWD First . That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive over S$65 worth of rewards:

• Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more.
• S$100 Revolut cash reward when you are the 8th and 88th person to sign up for a Revolut Account each week.

Valid till 31 Aug 2024.

4. Starr travel insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 2 tiers: Gold  and  Silver . The  Silver tier affords you an adequate $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in  Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Silver costs just $34 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Silver plan does cover you for $500,000 worth of overseas medical expenses, it doesn’t cover you at all for trip cancellation and loss/damage of baggage.

Starr travel insurance promotion

Starr TraveLead Comprehensive Silver

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy 35% off your policy premium.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and an  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 35% discount promotion on Starr travel insurance, prices are quite affordable. Coverage for a week-long ASEAN trip is just $42 (about $6 a day), while a trip of the same duration to countries like USA costs $60 (under $9 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

• S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon  and an  Eskimo Global 1GB eSIM  (worth S$9.50) with  every policy purchased .
• Score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.

5. MSIG travel insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand and Vietnam.
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Macau, New Zealand, Sri Lanka, Taiwan, and all those in Area A.
• Area C : Worldwide, including territories in Areas A and B.

MSIG travel insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers coverage such as trip cancellation, overseas medical expenses, and overseas quarantine daily cash allowance, but excludes daily hospital cash allowance.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[GIVEAWAY | Receive your cash as fast as 30 days*]    • Enjoy up to 40% off your policy premium    Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.    PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Now is a great time to purchase travel insurance from MSIG—premiums are going at 55% off! And that’s not all. You can also get over  S$110 worth of rewards:

• S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon  and  Eskimo Global 1GB eSIM  (worth S$9.50) with  every policy purchased .
• Up to S$45  via PayNow or  1 x Apple AirTag  (worth S$45.40) with eligible premiums spent.

On top of that, score over S$5,900 worth of Apple Gadgets and gifts :

• Apple Macbook Pro 13-inch, 256GB  (worth S$1,899) and more.
• S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.

6. Singlife travel insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

While Singlife travel insurance’s coverage is quite comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason.

Singlife travel insurance promotion

Singlife Travel Plus

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]   • Enjoy 25% off your policy premium   Get over S$95 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$30  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

• S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon  and  Eskimo Global 1GB eSIM  (worth S$9.50) with  every policy purchased.
• Up to S$30  via PayNow with  eligible premiums spent .
• Plus, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply. Valid till 18 Sep 2024. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On  (from $18/week) to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Take  40% off  your Tiq Single Trip policy premiums and  80% off  COVID-19 add-ons for Annual Plans. On top of that, enjoy these goodies!

• S$30 Revolut cash reward   with every policy purchased.
• S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.

New to Tiq?  Get  FREE travel insurance  (worth S$30) from Tiq with the promo code  FREETRAVEL .

Valid till 31 Aug 2024. T&Cs apply.

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… Zurich travel insurance .

Zurich Travel Insurance Basic

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy up to 10% off your policy premium.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.   Don't let flight delays ruin your experience, enjoy free lounge access with Zurich Travel Insurance Essential or Prestige plans.

Covers adventurous activities and S$200,000 for terrorism.

Covers up to S$100,000 for accidental death and permanent disablement and S$500,000 for personal liability.

Covers up to S$50,000 for overseas medical expenses incurred during your trip.

Complimentary Covid-19 coverage up to S$50,000 for overseas medical expenses due to Covid-19. Protecting you against unexpected expenses and disruptions caused by the pandemic.

Enjoy 24/7 worldwide emergency travel assistance for medical emergencies, lost documents, or travel guidance.

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because Zurich travel insurance  may be the cheapest option, but its medical coverage is shockingly low. The lowest tier plan,  Zurich Travel Insurance Basic , only comes with $50,000 of overseas medical coverage. I have never seen any plan with lower coverage for this category!

Zurich Travel Insurance Prestige maxes out their medical coverage at a $250,000 . You don’t need to do a lot of research to realise that this is pretty dismal for a plan that will cost you $51 for a 7-day ASEA trip.

Let’s just look at the next cheapest travel insurance for comparison. FWD Premium, FWD’s lowest tier travel insurance plan, costs $33 for $200,000 overseas medical coverage. FWD First comes with a whopping $1,000,000  overseas medical coverage for $57 .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Zurich travel insurance’s other components, such as trip cancellation coverage and coverage for lost or damaged baggage, are better. But its lacking medical coverage is a big turn-off for me. So I would only recommend you consider Zurich if you’re more interested in non-medical coverage.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

What about the discounted prices?

Travel insurers have “limited-time” discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool  with the “Lowest Price” filter on. You’re welcome!

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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