best travel insurance plan singapore

Get FREE Loan Quotes From Loan Advisor’s Top Reviewed Licensed Money Lenders in Singapore!      Click here

Get Free Quotes from the Best Licensed Moneylenders!   Click here

Best Travel Insurance Plans in Singapore 2024: A Comprehensive Guide

• Loan Advisor Team
• April 27, 2024
• Article , Personal Finance

With travel rebounding post-COVID-19, securing travel insurance that covers COVID-related incidents has become crucial. 

Highlighting this trend, a recent report from the Straits Times reveals that insurers, including Prudential Singapore, are extending COVID-19 coverage for their customers. 

Furthermore, experts like Mr. Alan Wong from Prudential emphasize the importance of reviewing the limits of COVID-19 coverage in travel insurance policies, ensuring it covers potential losses from trip cancellations to medical expenses, marking a significant consideration for anyone planning to venture abroad.

This guide aims to help you choose the best travel insurance plan, ensuring you’re well-informed for a stress-free travel experience, regardless of your destination or duration of your trip.

Best Travel Insurance Plans in Singapore With Covid-19 Coverage

At a Glance

Comparative Analysis

FWD Travel Insurance stands out for budget-conscious travelers with its affordable premiums and customizable plans, offering strong protection including COVID-19 benefits. 

In contrast, Singlife with Aviva targets a more premium market with higher premiums but offers unlimited medical coverage and unique benefits like rainfall protection, alongside automatic COVID-19 coverage for all plans.

Comparatively, NTUC Income’s Enhanced PreX plans, with premiums up to S$150, address a niche market of travelers with pre-existing conditions, offering an unparalleled value proposition for those often underserved by traditional travel insurance products.

This highlights the diverse options available, catering to different needs and preferences, from budget to luxury travel and those with pre-existing conditions, ensuring informed choices for all travelers.

More details below: 

1. FWD Travel Insurance

FWD Travel Insurance is a prominent provider in the Singaporean market, recognized for its competitive pricing and extensive coverage options. The company is part of FWD Group, a major insurance business in Asia offering a range of insurance products and services.

Top Features:

• Comprehensive Coverage: FWD offers plans that may cover trip cancellations, medical expenses, and damage or loss of personal belongings. This is essential for peace of mind during your travels, ensuring you’re protected against unforeseen events.
• COVID-19 Protection: FWD provides enhanced travel benefit add-ons for COVID-19, helping you to travel with confidence.
• 24-Hour Assistance: FWD stands out for its worldwide emergency assistance available 24/7, ready to help you whenever you need it, wherever you are.
• Customizable Plans: FWD policies are flexible, allowing you to choose and pay for only what you need—be it for a single trip or multiple trips throughout the year.

Coverage Details:

• Trip cancellation and loss of deposit: S$7,500 to S$15,000
• Medical expenses overseas: S$200,000 to S$1,000,000
• Theft of or damage to your personal belongings: S$3,000 to S$7,500
• Personal liability while on your trip: S$500,000 to S$1,000,000

Please visit FWD for full information about the benefits of each plan.

Policy Options Available: Premium Plan, Business Plan, and First Plan

Premium (for a 7-day Single trip, Individual, ASEAN destination, before promo):  S$31.50 to S$55.44

“The FWD app was easy to use and the application process for my flight delay was simple, just needed my flight itinerary. Within a few days, the reimbursement was transferred via PayNow!” –  Joanne Chua

2. HL Assurance Travel Protect360

HL Assurance, a key player in the Singapore insurance market, delivers a range of travel insurance products with comprehensive benefits. Their plans are structured to cater to various consumer needs, whether for single trips or for more frequent travelers requiring annual coverage. The HL Assurance’s COVIDSafe Travel Protect 360 plan offers three tiers of plans – Enhanced, Superior, and Premiere. 

Note that their Basic Plan does not include Covid-19 coverage.

• Annual Multi-Trip Plans: For those who travel frequently, their annual multi-trip insurance policy potentially offers more value than purchasing separate policies for individual trips.
• COVID-19 Coverage: Recognizing the ongoing concerns related to the pandemic, HL Assurance has adapted its policies to include COVID-19 coverage, ensuring you have peace of mind in these uncertain times.
• Immediate Medical Claims: They facilitate immediate medical claims, reducing your stress and toiling through paperwork in urgent situations.
• Comprehensive Protection: You can expect a robust protection net for trip cancellations, lost luggage, and medical emergencies that could occur during your journey.
• Trip cancellation and loss of deposit: S$5,000 to S$15,000
• Overseas medical expenses: S$150,000 to S$750,000
• Theft of or damage to your personal belongings: S$3,000 to S$8,000

COVID-19 Coverage Details:

• Overseas medical expenses: S$50,000 to S$200,000
• Trip cancellations or disruptions: S$1,000 to S$3,000
• Overseas quarantine allowance: S$50/day to S$150/day up to 14 days
• Emergency repatriation: Unlimited for Enhanced, Supreme, and Premier

Please visit HL Assurance for full information about the benefits of each plan.

Policy Options Available: Basic, Enhanced, Superior, and Premiere plans

Premium (for a 7-day trip to an ASEAN destination, before promo):  S$42 to S$73

“Found travel insurance rates are competitive with the discounts. Hope to purchase for future travels if rates remain competitive. Great to receive policies on the same day of purchase and email notifications to keep me updated. Great service! Thanks” – Sam Ng

3. MSIG Travel Insurance

MSIG Singapore, part of the prestigious MS&AD Group, offers the TravelEasy Insurance plan, renowned for its comprehensive coverage encompassing more than 50 benefits. This plan notably includes COVID-19 coverage for both Single Trips and Annual Travel Insurance Plans without the need for additional purchases.

It offers peace of mind with coverage for travel cancellations, flight delays, and overseas medical expenses among others. This approach ensures travelers are well-protected under a wide array of circumstances, reflecting MSIG’s dedication to high standards of insurance provision.

• Comprehensive Coverage: Offers protection against travel cancellations, flight delays, overseas medical expenses, and more, with over 50 benefits included.
• COVID-19 Coverage Included: Automatically provides COVID-19 travel insurance for both Single Trips and Annual Plans, without the need for add-ons.
• Flexible Plan Options: Available in single or annual plans for both individuals and families, accommodating a wide range of travel needs.
• Specialized Features: Includes unique offerings like replacement of travelers, emergency medical evacuation with high coverage limits, cover for insolvency of licensed travel operators, and support for delayed departures due to various unforeseen circumstances.
• Overseas medical expenses: S$250,000 to S$1,000,000
• Overseas medical expenses: S$75,000 to S$200,000
• Trip cancellations or disruptions: S$3,000 to S$5,000
• Overseas quarantine allowance: S$50/day to S$100/day up to 14 days
• Emergency repatriation: S$1,000,000 for all plans

Please visit MSIG for full information about the benefits of each plan

Policy Options Available: Standard Plan, Elite Plan, and Premiere Plan

Premium (for a 7-day trip to an ASEAN destination, before promo):  S$38 to S$68

“First time buying from MSIG online. After some comparisons, their plans were the most comprehensive at the right price inclusive of covid cover (they had the best coverage suitable for elderly people as I bought for my parents). The process was nothing out of the ordinary and had no glitches. Gave me peace of mind which ultimately served my goal of insurance” – Stephen Lin

4. Singlife with Aviva Travel Insurance

Singlife with Aviva offers a range of travel insurance policies that fit various types of travelers. Whether you’re embarking on a short-term vacation or a series of trips throughout the year, their tailored insurance products aim to provide significant coverage. In early 2023, Singlife with Aviva updated its brand to Singlife.

This insurance provider offers an array of policies in Singapore, including travel insurance plans starting from S$39.77. Their travel insurance is structured into three tiers – Lite, Plus, and Prestige – catering to different needs and preferences, all including automatic COVID-19 coverage for both single and annual multi-trips.

• Seamless Claims with PayNow: Enjoy the convenience of receiving claims payouts directly through PayNow, linked to your NRIC/FIN.
• Unlimited Overseas Medical Expenses: Benefit from unlimited coverage for overseas medical expenses, ensuring comprehensive protection.
• Travel Assistance Helpline: Access a dedicated helpline for assistance with travel emergencies and information about your destination countries.
• Rainfall Protection: Get compensated up to S$150 if your trip is significantly affected by excessive rainfall, adding an extra layer of protection against weather disruptions.
• Trip cancellation and loss of deposit: S$5,000 
• Overseas medical expenses: S$250,000 to S$2,000,000 (Unlimited for Travel Prestige plan)
• Personal liability while on your trip: S$250,000 to S$2,000,000
• Trip cancellations or disruptions: S$500 to S$2,000
• Overseas quarantine allowance: S$50/day to S$100/day up to 14 days (Travel Lite does not cover overseas quarantine)
• Emergency repatriation: S$30,000 to S$500,000 (Unlimited for Travel Prestige plan)

Please visit Singlife for full information about the benefits of each plan

Policy Options Available: Travel Lite, Travel Plus, Travel Prestige

Premium (for a 7-day trip to an ASEAN destination, before promo): S$43.51 to S$86.05

“Highly Recommend Aviva. Dependable Insurer who was truly concerned for client’s welfare! Heartfelt Thank you to Aviva!” – Dawn Tan

5. DBS Chubb Travel Insurance

DBS Chubb Travel Insurance, a partnership between DBS Bank and Chubb Insurance, provides extensive insurance coverage for travelers in Singapore. This collaboration combines DBS’s banking expertise with Chubb’s insurance proficiency to offer products that are both accessible and dependable.

The TravellerShield Plus policy comes in three tiers: Classic, Premier, and Platinum plans. Plus, it comes with comprehensive COVID-19 coverage.

• Comprehensive COVID-19 Coverage: TravellerShield Plus provides automatic COVID-19 coverage, including for unvaccinated children.
• Broad Protection for Travel Abroad: Coverage includes overseas medical expenses, post-return medical expenses, journey cancellation, and loss or damage to personal property and baggage.
• Cruise Coverage: Specialized benefits for cruise trips, including medical expenses and emergency medical evacuation, with an option for pre-existing condition coverage.
• Optional Pre-Existing Medical Condition Benefit: Offers an add-on benefit for coverage of conditions like asthma, diabetes, heart conditions, etc.
• Overseas medical expenses: S$300,000 to S$1,000,000 
• Theft of or damage to your personal belongings: S$3,000 to S$5,000
• Trip cancellations or disruptions: S$2,500 to S$7,500
• Overseas quarantine allowance: S$100/day for each plan (vary in limits; up to S$1,400)
• Emergency repatriation: S$50,000 to S$200,000 (Unlimited for Travel Prestige plan)

Please visit DBS for full information about the benefits of each plan

Policy Options Available: Classic, Premiere, Platinum plans

Premium (for a 7-day trip to an ASEAN destination, before promo): S$75 to S$122

“Extremely good service from Chubb during my recent claim, which was settled without argument (in fact they gave me advice to claim more than my initial claim – ethics is alive and well!).” – Bruce Ford

6. NTUC Income Travel Insurance

NTUC Income Travel Insurance is a highly regarded provider known for its reliable coverage that safeguards travelers against unforeseen events. Offering a variety of plans, Income Insurance Singapore ensures protection ranging from medical expenses to travel inconvenience.

• Comprehensive Plans: Choose from standard to enhanced coverage, including options for pre-existing conditions. The Travel Insurance Standard Income Enhanced PreX plan is particularly notable for travelers with pre-existing medical conditions.
• COVID-19 Coverage: Ensuring you travel with confidence, even in uncertain times, certain plans include coverage for COVID-19-related incidents, helping you handle the challenges of traveling during a pandemic.
• Specialized Benefits: Enjoy benefits such as coverage for medical expenses after your trip, which can provide solace for ailments like motion sickness after a cruise. 
• Extensive Coverage: Apart from medical and travel inconvenience, the insurance also covers damage to personal belongings, ensuring you’re compensated for losses or damages sustained during your travels.

Coverage Details (Standard Plans):

• Personal liability while on your trip: S$150,000 to S$400,000
• Overseas medical expenses: up to S$1,000,000
• Trip cancellations or disruptions: Up to S$15,000
• Emergency repatriation: Unlimited 

Please visit NTUC Income Travel Insurance for full information about the benefits of each plan

Policy Options Available: 3 tiers of plans for Standard (Classic, Deluxe, and Preferred) and Enhanced PreX plans (Basic, Superior, and Prestige)

Premium (for a 7-day trip to an ASEAN destination, before promo): S$68.36 to S$108.73 (Standard Plans); S$103 to S$150 (Enhanced PreX Plan)

“Fortunately the claims are smooth and easy to submit. I managed to get FULL 100% public & private hospital bill claims (5 fig $) including pre & post hospital visits to clinics which are also claimable. They didn’t take too long to reimburse me either.” – 1ting

Good to Know

What are included in the travel insurance with covid-19 coverage.

Travel insurance plans in Singapore focus on comprehensive coverage, including medical expenses due to COVID-19, quarantine allowances, and trip cancellations or disruptions caused by the pandemic. Plans vary in terms of coverage limits, eligibility, and additional benefits like emergency evacuation. 

Travelers must compare specifics, such as coverage amounts and exclusions, to find the plan that best suits their needs and travel destinations. For detailed comparisons and specifics on each plan, please refer to the succeeding sections.

How to Choose a Plan With COVID-19 Protection

When traveling amidst ongoing health concerns, securing travel insurance with adequate COVID-19 coverage is paramount. Look for policies that specifically offer protection against pandemic-related eventualities. 

Consider this example provided by Mr Wong in a report by Channel News Asia : “For example, airfare costs S$3,000 and accommodation costs S$2,000 but the trip cancellation limit is only S$2,500. Thus only part of the cost is covered,” 

To help you choose a plan, here are a few tips:

• Compare Different Plans: Start by comparing various travel insurance policies to find one that offers the most comprehensive coverage for trip cancellation due to COVID-19.
• Pandemic-Related Eventualities: Ensure the policy specifically covers pandemic-related situations, including trip cancellation if your plans change because of COVID-19.
• Medical Bills Coverage: Look for policies that include coverage for medical expenses if you contract COVID-19 while abroad, including hospitalization, treatment, and medical evacuation if necessary.
• Quarantine Allowances: Evaluate the benefits of coverage for quarantine allowances and trip interruptions caused by the pandemic. Knowing potential quarantine costs are covered can offer significant peace of mind.
• Ease of Claims: Consider the process for making claims related to COVID-19. Some insurers provide straightforward and hassle-free claim processes, which can be less stressful during a challenging time.
• Reliability and Customer Support: Pay attention to the insurance provider’s reliability and the level of customer support offered, especially for handling COVID-19-related issues. Good customer support can make a significant difference in your experience.
• Review COVID-19 Coverage Details: Meticulously review the specifics of the COVID-19 coverage offered by the travel insurance plan to ensure you are adequately protected against the unexpected.

Budgeting Tips for Travel Insurance

When planning a trip, it’s important to factor the cost of travel insurance into your budget. Travel insurance can protect you from unforeseen expenses caused by emergencies, such as trip cancellations, medical issues, or baggage loss. As you compare travel insurance plans, look for comprehensive coverage at a price that suits your financial plan.

Understanding the Costs

When budgeting for travel insurance in Singapore, it’s crucial to understand the factors that influence the cost of a policy. Prices can vary significantly based on the duration of your trip, the destination, coverage level, and your age. 

For example, a two-week trip to Europe might cost significantly more to insure than a weekend getaway to a neighboring country due to the increased risk and medical costs in different regions.

• Destination: High-risk destinations or those with higher medical costs may lead to higher premiums.
• Duration: Longer trips typically cost more to insure.
• Age: Older travelers may face higher costs due to increased risk of health issues.
• Coverage Level: Opting for comprehensive coverage, including COVID-19-related events, will increase the premium.

Policy Options and Pricing

Singaporean travelers have a wide range of policy options to choose from, with premiums adjusted accordingly. For instance:

• Basic Plans: Starting from as low as S$20 for a week-long trip within Asia, covering essentials like medical expenses and trip cancellation.
• Comprehensive Plans: Can range from S$50 to over S$100 for the same duration, offering extensive coverage including COVID-19, lost baggage, and travel delays.

Using Price Comparison Tools

Leverage online comparison platforms to compare policies from different insurers. These tools can provide a clear overview of what you’re getting for your money, helping you find the best deal that fits your needs and budget.

• Benefits: Easily compare the cost and coverage details side by side.
• Convenience: Simplifies the process of finding a suitable insurance plan.

Discounts and Deals

Keep an eye out for promotions and discounts that insurers frequently offer. Signing up for a policy through a bank, for example, can sometimes yield discounts or additional perks.

• Credit Card Offers: Some credit cards provide free travel insurance if you book your trip with the card.
• Early Bird Discounts: Purchasing your insurance well in advance can also save money .

Budget Allocation

As a rule of thumb, allocate 6-7% of your total trip cost to travel insurance, according to NerdWallet . This percentage ensures that you are adequately covered without significantly impacting your overall travel budget. For a S$2,000 trip, for instance, setting aside S$120 to S$140 for travel insurance is a prudent choice.

How to Get the Best Value for Money

When looking for travel insurance in Singapore, your goal should be to balance cost-effective premiums with comprehensive coverage. Begin by itemizing your specific needs based on your travel itinerary. Consider the nature of your trip, destinations, duration, and any unique activities you plan to undertake.

Here are a few tips:

Using Comparison Tools and Calculators 

Comparison tools allow you to view a range of travel insurance options side by side. This makes it easier to see which policies offer the best value for the specific coverages you need.

• Efficiency: Quickly compare multiple plans from various providers.
• Customization: Filter results based on your specific travel needs and preferences.
• Cost-Effectiveness: Identify which plans offer the most comprehensive coverage at the best price.

Aside from that, many insurance websites also offer calculators that can help you estimate the cost of your travel insurance based on trip details such as destination, length of travel, and the total cost of your trip.

• Budget Planning: Get a ballpark figure of your insurance costs to aid in budgeting.
• Coverage Analysis: Some calculators suggest the type and amount of coverage you might need, based on the information you input.

Look for Discounts

• Early Bird Discounts: Some insurers offer discounts for purchasing your policy early.
• Group Rates: If traveling with a group, look for policies that offer discounted rates for multiple travelers.
• Loyalty Programs: Check if the insurer offers discounts for repeat customers.

Read Reviews and Ratings

Customer reviews and ratings can provide insight into the insurer’s customer service and claims process. Websites like Trustpilot, Google Reviews, and the Better Business Bureau are good sources for such reviews.

Understand the Fine Print

Know what is not covered. For example, some policies may not cover adventure sports unless you pay extra. Additionally, you should check how each policy handles pre-existing medical conditions.

Consider the Total Value, Not Just the Price

A cheaper policy might seem attractive, but it’s important to consider what’s covered. A slightly more expensive policy might offer significantly better coverage, which could save you money in the long run if you need to make a claim.

Additionally, Mr Chandramogan , an executive senior financial planner with Great Eastern Singapore, also highlights that the expertise of an agent could simplify the process when you purchase travel insurance, ensuring proper documentation and guidance, highlighting the significance of evaluating overall benefits and support when choosing travel insurance.

“Imagine you are overseas and you are in an accident, I doubt you will be in the right frame of mind to know how to do your own claim,” he said, noting that buying travel insurance policies online can be “slightly cheaper,” Mr. Chandramogan said in an interview with Channel News Asia.

Common Mistakes to Avoid When Buying Travel Insurance

When you’re shopping for travel insurance, being informed is key to choosing the right policy. Avoid these common mistakes to ensure you’re properly protected on your travels.

• Purchasing Too Late: Your travel insurance should be effective from the moment your trip is booked, not just from the departure date. 
• Overlooking the Fine Print: Policies vary, and what travel insurance gets you may differ from your assumptions. Carefully review your policy to know exactly what’s included and the limits of coverage.
• Assuming Credit Card Coverage is Enough: Check the coverage limits and exclusions of your credit card travel benefits and consider supplemental insurance if necessary.
• Ignoring Exclusions and Pre-Existing Conditions: Be aware of the policy’s exclusions and buy additional coverage if you have health concerns or plan to engage in higher-risk activities.
• Choosing Based Solely on Price: Compare benefits and coverage levels to make sure you’re getting the best value for your money, and consider spending a bit more for comprehensive protection.

The travel insurance landscape in Singapore offers a diverse range of options, each tailored to distinct travel needs and budgets. Important factors such as overseas medical coverage, trip cancellation, and protection for personal belongings have been addressed to ensure you make an informed choice.

Key Takeaways

• FWD offers cost-effective plans with comprehensive and COVID-19 coverage.
• HL Assurance is designed for families, while MSIG caters to solo travelers, both offering robust COVID-19 protection.
• Singlife with Aviva suits luxury travel needs with unlimited medical expenses, and DBS Chubb is ideal for cruise enthusiasts, emphasizing extensive COVID-19 coverage.

Need quick cash but don’t know which loan plan to get? Loan Advisor is a trusted, one-stop, loan comparison platform where you can find the most up-to-date information about licensed moneylenders. Request up to three loan quotes today to find the best deals!

Table of Contents

Recourse vs Nonrecourse Loan: What’s the Difference?

Everything You Need to Know About Credit Bureau Report in Singapore

How to Get Your CBS Report to Evaluate Credit Score

Singtel Dividend Latest Performance: Are You Getting Your Capital’s Worth?

StashAway Review: The Perfect Tool For Starting Investors

How to apply for HDB Loan Eligibility (HLE): your documentation checklist

Looking for an urgent personal loan.

• Mobile Number *
• Occupation *
• Monthly Income *
• Loan Amount *
• By submitting your details, you authorize LoanAdvisor.sg to release information to our list of pre-vetted and recommended licensed moneylenders to get a loan quote. They will contact you via your phone number as soon as possible. Your information will be kept 100% confidential.
• Hidden Country
• Email This field is for validation purposes and should be left unchanged.

Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Travelling is a favourite Singaporean pastime. A national sport, if you would. But while we all love travel and wanderlust, most of us don’t give much thought to buying travel insurance .

Buying travel insurance in Singapore is something a lot of us take for granted. Few of us bother to buy travel insurance ahead of time, and even fewer compare policies to find the best travel insurance in Singapore .

Here is everything you should look out for before buying travel insurance in Singapore.

• What does travel insurance cover?
• How to choose travel insurance
• Travel insurance prices
• Best travel insurance in Singapore
• Common mistakes when buying travel insurance
• Travelling with pre-existing health conditions 
• When should I buy travel insurance?
• Single trip or annual travel insurance?
• Compare travel insurance before buying

1. What does travel insurance cover you for?

A good travel insurance policy covers you for a whole series of situations, from the small inconveniences to the most terrible.

Trust me, you never want to be in a situation that you’re not covered for.

It could be a minor inconvenience, like having your luggage delayed and being forced to spend  at least one night in the same clothes you wore on the entire flight. Or it could be a serious medical emergency, like getting stung badly by jellyfish in the middle of a remote island adventure and needing immediate medical attention.

These days, almost all travel insurance in Singapore automatically includes COVID-19 coverage. That means, you’ll be able to claim from your travel insurance if you get Covid-19 while travelling .

You should also have coverage for everything from lost and delayed luggage, flight delays and cancellations, all the way to medical treatment, medical evacuation and even repatriation in case of serious illness and death. All these different situations have different claim limits, of course.

Travel insurance also covers things like reimbursing deposits if your travel agent goes bust, or if your credit card is used fraudulently overseas. Some policies even pay you if you are kidnapped while overseas!  And the best part is that travel insurance is relatively cheap and convenient to buy.

Back to top

2. How to choose travel insurance

With so many different benefits in a travel insurance plan, it can be tough to decide if a particular travel insurance plan is worth your money. You should look out for how much you are reimbursed for common travel hiccups.

• Find a travel insurance that covers flight delays and cancellations:  Flight delays happen more often than you realise. They can be extremely inconvenient, especially if it ends up causing you to miss your connecting flight. Ensure that your policy covers you for a decent period of time. For example, if your flight is delayed, some policies pay you $100 for every 6 consecutive hours of delay. There’s usually a cap of around $200-$500, but if you want more coverage  DirectAsia DA150 pays out up to $1,000 for travel delay.

Total Premium

DirectAsia DA150

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]    • Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$20  via PayNow with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

Key Features

Additional coverage for Travel Insurance - Sports equipment, Maid and COVID-19. Extreme Sports add-on only available for Annual Plans.

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

Optional COVID-19 coverage on trip cancellation, medical expense, and emergency evacuation. Only for Single Trip.

• Lost   or delayed baggage:  Make sure your policy covers you well for such situations. Many policies pay $100 for every 6 consecutive hours your baggage is delayed, including Bubblegum Travel Insurance . Both of these also pay up to $3,00 for lost or damaged baggage. Don’t forget to also pay attention to the maximum amount you’re covered for.

Bubblegum Travel Insurance

[Receive your cash as fast as 30 days*]   •  Enjoy 10% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$25 via PayNow with eligible premiums spent.  T&Cs apply.

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.

• Medical coverage overseas: Since you can never predict what might happen on your trip, it literally pays to be safe than sorry. A good travel insurance policy covers you for at least $200,000 for overseas medical coverage and unlimited coverage for emergency medical evacuation and repatriation. One insurance policy that fits the bill is  Starr TraveLead Comprehensive Bronze .

Starr TraveLead Comprehensive Bronze

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 50% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

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

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

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

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

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

• Travel insurance with COVID-19 coverage:  Ideally, your policy should offer coverage for a range of COVID-19 expenses you might encounter during your travels (and even before you fly!). Look out for the travel insurance policies’ coverage for trip cancellation and postponement and medical expenses due to Covid-19. Overseas quarantine cash allowance is an added bonus. For example,  AIG Travel Guard® Direct – Enhanced covers $100 per day for 14 days if you’re quarantined overseas due to COVID-19.

AIG Travel Guard® Direct - Enhanced

[Receive your cash as fast as 30 days*]    • Receive 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$50 via PayNow with eligible premiums spent. T&Cs apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is 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 AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

3. Travel insurance prices in Singapore

Travel insurance in Singapore is very price-sensitive, and sometimes insurers can compete to shave off even $1 from their premiums to make their policies more enticing (yay for us!).

One way to get a cheaper plan is to see which insurers offer regional travel insurance. If you are only travelling to Thailand, for example, it is usually cheaper to get a policy that covers only SEA or ASEAN countries, rather than a worldwide coverage policy.

However, price is not the only factor—especially since cheap insurance policies often mean significantly less coverage. Buying travel insurance is not like buying a “warehouse sale” LV bag in Chatuchak Market. You don’t just shop around, look for the stall owner with the weakest bargaining skills, and haggle the price down as low as can get.

Look at other aspects of the policy when buying travel insurance . There are many other factors to consider—for example, how much coverage you’re eligible for, and how quickly your claims can be processed. Make sure that you don’t have to wait till the next blue moon before you can see the results of your claims.

4. Which travel insurance to buy in Singapore?

Like anything else you purchase, the best travel insurance is what gives you the most value for money. Say you are only travelling to Thailand for a weekend shopping trip, for example. You’re probably travelling light and don’t need more than $3,000 coverage for loss of baggage, even if you can pay just $3 more for significantly more coverage. Save that $3 and treat yourself to all the Thai milk tea you can drink!

As we said earlier, you shouldn’t be so stingy  and only buy the cheapest. The cheapest may have lots of terms and conditions when it comes to claims . For example, an insurer might not cover delayed luggage if it is only delayed returning to Singapore. However, if this is the only inconvenience you face in your entire trip, you might be understandably upset that it’s not claimable.

The important thing is to read the terms and conditions of your preferred policy carefully and make sure you’re not caught unawares. This is especially important when it comes to medical pre-existing conditions.

5. Common mistakes when buying travel insurance

How many of us actually know how to go about buying a good travel insurance that is suitable for our needs? Here are five common mistakes to avoid when buying travel insurance:

• Buying the most ‘convenient’ travel insurance : Do you just buy the first travel insurance you see on Google? It is important to read the details of the coverage provided to see if they are adequate for your needs or to cover the risks of the destination you’re travelling to, eg. medical coverage and loss of personal belongings.
• Buying travel insurance at the last minute : Do you often buy your travel insurance when waiting to board your flight or while making your way to the airport? Yes, better late than never. However, you should be aware that some of the benefits of the travel insurance are applicable (eg. natural disasters , airline strike, tour agency bankruptcy) if you buy travel insurance ahead of your trip.
• Not buying travel insurance for the entire length of your trip : Should you purchase travel insurance only for the days you are actually overseas? No. You should include flights to and from your holiday destination. In the event of baggage delays, loss or damage, or overbooking of flights, you’d then be able to make a claim. For long haul trips, do remember to cater for the +1 or +2 days that it takes for your flight to reach Singapore.
• Not reading your travel insurance policy : Not all travel insurances are created equal. In fact, the policy document and terms of coverage makes for rather interesting reading. Do go through the policy document for what’s included and excluded, claim limits, and what you gotta do in order to make a claim.
• Assuming travel insurance is “one size fits all” : If your holiday includes adventurous elements like skydiving or scuba diving, check to ensure that the travel insurance you are considering covers these activities. MSIG TravelEasy Elite covers a whole range of activities, including sky diving, hot air ballon rides, and bungee jumping. Alternatively, check to ensure that adventurous activities are not excluded from the claims.

MSIG TravelEasy Elite

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]     3 DAYS FLASH SALE:   Enjoy 55% off your Single Trip policy premium when you apply promo code TRAVEL55 . Valid till 28 Apr 2024 .    • Enjoy 20% off your Annual Plan policy premiums (no promo code required). Valid till 6 May 2024 . • Get  2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.     BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

COVID-19 coverage of up to $300,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

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)

6. Will pre-existing conditions affect my travel insurance?

One of the biggest travel insurance stories in 2017 was when a Singaporean man had a heart attack in Tokyo and fell into a coma. The medical costs alone cost $120,000 and bringing him back to Singapore via medical evacuation would cost another $120,000.

Because the man had been diagnosed with heart failure in 2012, his insurer considered it a pre-existing condition and therefore no claim was possible. Currently, one insurer that covers pre-existing conditions is MSIG TravelEasy Pre-Ex travel insurance.

MSIG TravelEasy Pre-Ex Standard

7. When should I buy travel insurance?

There are many, many things that can go wrong when you’re travelling. Half of these things could happen even before you leave the country!

Waiting to buy your travel insurance policy on the day you travel (or worse, after you’ve already crossed into international waters) puts you at risk for travel inconveniences big and small like delays or postponement.

A good travel insurance policy also covers you for your entire trip being cancelled unexpectedly.

You should buy a travel insurance online as soon as you’ve planned your trip. Getting your travel policy as early as possible does not make you “ kiasu ”. It makes you smart.

This is because you’ll want to maximise the coverage you can get from the policy. For example, if you haven’t bought a policy yet and the travel agency you’re booking with closes down a week before your travel, you won’t be able to claim anything. The same goes for flight delays and flight cancellations.

There is no penalty for buying travel insurance earlier, except maybe missing out on promotions that often happen around the travel season. But what’s the point of saving a few dollars and risk losing hundreds due to cancelled flights and hotel deposits?

8. Buy single trip or annual travel insurance?

In the past, it made more sense to buy single trip travel insurance plans when you leave Singapore. That’s because in the past, most people only travel once or twice a year. With the greater nomad and remote working culture … and travels over long weekend, though? It might actually be more convenient to buy an annual plan for your travel insurance.

A good gauge to determine whether to choose between a single trip plan and an annual plan is to ask yourself if you’re going to be travelling more than three times a year . And we’re not just talking about weekend getaways either!

Whether you’re just going across the Causeway or travelling further overseas for work, an annual plan definitely makes more sense to your wallet.

Depending on how often you travel and how far you travel, it might be worthwhile to consider buying annual travel insurance .

If you are a frequent traveller, you not only save money by buying an annual policy, but you’ll never have to spend time buying insurance every time you fly overseas. Of course, just like single trip travel insurance, you should still compare the various policies online before you commit.

Annual travel insurance has a flat premium and covers you for an entire year of travel. It usually costs about $200-$300 a year, so only buy it it you are a frequent traveller. That is, it only makes sense if you are going to travel overseas more than 7-8 times a year, at least.

9. Why should I compare travel insurance before buying it?

Comparing allows you to choose the best travel insurance policy for your needs. You’ll be able to see at a glance what coverage policies have for various situations, such as medical costs, and compensation levels for lost, delayed and damaged baggage.

But of course, comparing travel insurance in Singapore allows you to see that the cheapest travel insurance policy may not be the best. This is because the cheaper policies usually have significantly less coverage, naturally. While that may be a good thing for some travellers – there’s no need to get a $1,000 coverage for lost luggage if you’re only bringing the bare minimum to a staycation in Bangkok, for example.

ALSO READ: Best Travel Insurance in Singapore: AIG vs AXA vs FWD vs NTUC

Are you headed overseas? Compare the cheapest travel insurance here .

Related Articles

Travelling with Kids: 10 Possible Disasters and How to Avoid Them

Best Travel Insurance Policies for Places Prone to Natural Disasters (2023)

9 Best Credit Cards in Singapore for Overseas Spending (2024)

Senior Travel Insurance for Elderly with Pre-Existing Medical Conditions (2022)

MoneySmart Financial is an Exempt Financial Adviser and Registered Insurance Broker licensed by Monetary Authority of Singapore ("MAS").

Get the Best Annual Travel Insurance in Singapore 2024

Compare Travel Insurance prices on MoneySmart to get the best deal to cover you against coronavirus (COVID-19), lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.

• Korea, Republic of
• United States
• Afghanistan
• Aland Islands
• American Samoa
• Antigua and Barbuda
• Bonaire, Sint Eustatius and Saba
• Bosnia and Herzegovina
• Bouvet Island
• British Indian Ocean Territory
• Brunei Darussalam
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos (Keeling) Islands
• Congo, The Democratic Republic Of The
• Cook Islands
• Czech Republic
• Côte D'Ivoire
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands (Malvinas)
• Faroe Islands
• French Guiana
• French Polynesia
• French Southern Territories
• Guinea-Bissau
• Heard and McDonald Islands
• Holy See (Vatican City State)
• Iran, Islamic Republic Of
• Isle of Man
• Korea, Democratic People's Republic Of
• Lao People's Democratic Republic
• Liechtenstein
• Macedonia, the Former Yugoslav Republic Of
• Marshall Islands
• Micronesia, Federated States Of
• Moldova, Republic of
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Norfolk Island
• Northern Mariana Islands
• Palestine, State of
• Papua New Guinea
• Philippines
• Puerto Rico
• Russian Federation
• Saint Barthélemy
• Saint Helena
• Saint Kitts And Nevis
• Saint Lucia
• Saint Martin
• Saint Pierre And Miquelon
• Saint Vincent And The Grenedines
• Sao Tome and Principe
• Saudi Arabia
• Sierra Leone
• Sint Maarten
• Solomon Islands
• South Africa
• South Georgia and the South Sandwich Islands
• South Sudan
• Svalbard And Jan Mayen
• Switzerland
• Syrian Arab Republic
• Tanzania, United Republic of
• Timor-Leste
• Trinidad and Tobago
• Turkmenistan
• Turks and Caicos Islands
• United Arab Emirates
• United Kingdom
• United States Minor Outlying Islands
• Venezuela, Bolivarian Republic of
• Virgin Islands, British
• Virgin Islands, U.S.
• Wallis and Futuna
• Western Sahara
• No matches found! Please try another search.

Refine Your Results

Total Premium

Starr TraveLead Comprehensive Silver

Looking for Rewards? You Came to the Right Place.

Sign up for free to explore our selection of gifts and claim yours today..

By continuing I agree to MoneySmart.sg’s Terms of Use and Privacy Policy

Already have an account? Login

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 50% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

Are your trip details correct?

Destination: Thailand

Duration: 28 Apr 2024 - 30 Apr 2024

FWD Premium

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 25% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.    BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

Great Eastern TravelSmart Premier Classic

[MoneySmart Exclusive]    Enjoy up to   30% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.

DirectAsia DA1000

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]    • Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$20  via PayNow with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)    Increase your chances of winning when you refer friends  today. T&Cs apply.

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   •  Enjoy 25% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.

Allianz Travel Basic

[Receive your cash as fast as 30 days*]   •  Enjoy an exclusive 55% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$35 via PayNow with eligible premiums spent.  T&Cs apply.

Starr TraveLead Comprehensive Bronze

AIG Travel Guard® Direct - Supreme

[Receive your cash as fast as 30 days*]     • Receive 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive S$80 via PayNow and 2 x Plaza Premium Lounge Access Passes with eligible premiums spent.  T&Cs apply.

Total Premium*

The Wise Traveller Premium

Great Eastern TravelSmart Premier Elite

[MoneySmart Exclusive]    • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

HL Assurance Travel Protect360 Premier

Allianz Travel Platinum

The Wise Traveller Secure

FWD Business

AIG Travel Guard® Direct - Enhanced

Starr TraveLead Comprehensive Gold

Allianz Travel Silver

Singlife Travel Lite

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Travel Insurance Plan in Singapore 2024

Travel insurance recommendations.

• Best Pre-Existing Travel Insurance
• Best Pregnancy Travel Insurance For Expecting Mothers
• Best Covid-19 Coverage Travel Insurance
• Best Travel Insurance To Get For Flight Cancellation Coverage
• Best Extreme Sports/ Adventure Sports Travel Insurance
• Best Cruise Travel Insurance
• Best Senior/Elderly Travel Insurance To Buy
• > Best Travel Insurance For Phones, Laptops, Tablets
• > Best Travel Insurance For Roadtrips
• Best Bali Travel Insurance (Indonesia): Top 7 Value Plans
• Best Malaysia Travel Insurance: JB, KL, Penang & more
• Best Japan Travel Insurance – Best Value, Cheap Plan s
• Best Thailand Travel Insurance– What To Look Out For
• Best Australia Travel Insurance– Plan Benefits, Travel Tips
• Best Korea Travel Insurance To Get– Most Affordable
• Best Travel Insurance To Buy Travelling To The UK: Top 5 Plans
• Best Taiwan Travel Insurance– Cost, Coverage, Compare
• Best Vietnam Travel Insurance
• Batam Travel Guide: What To Do, Where To Go

Travel Tips

• Travel Essential Packing List 101
• How To Renew Your Singapore Passport
• Top Travel Hacks To Save Money
• 15 Rookie Mistakes To Avoid While Travelling in Europe
• 10 Cost Savings Tips For Your Year End Holiday
• Travel Safety: Tips for Women, LGBTQ+, and Persons with Disabilities
• Best Travel Insurance Plans For Female Solo Travellers
• Should I get travel insurance from all-in travel agency packages?
• Moneysmart's Travel Insurance Promotion
• Starter Guide :How To Claim Travel Insurance
• Top 5 Reasons Why Travel Insurance Claims Are Rejected
• Are Travel Aggregators Harder to Claim From?

Travel Surveys

• Top 12 Airlines With Most Cancellations and Delays

Best Travel Insurance Plans in Singapore Benefits Coverage

Here are 3 simple steps to submit your travel insurance claim, get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Are Travel Aggregators Secure? Harder to Claim From?

Travel aggregators let you easily compare flights, hotels, travel insurance and more. But are they secure? Difficult to claim from? We answer your questions.

What customers are saying about our Travel Insurance (From Google Reviews)

Review by doreenngsk ng.

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

Review by Ron Tay

"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"

Review by Jodel Tan

"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

We asked Singaporeans about flight disruptions, and they answered.

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

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

What Do Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans.

7 Best Travel Insurance Plans in Singapore

• Financially Reviewed by Edward Hee

• Published: 21 April, 2023
• Last Updated: 28 March, 2024

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

Picture this: You’ve planned the perfect vacation, booked your flights and accommodations, and are ready to embark on the adventure of a lifetime.

But what happens if something goes wrong? What if you get sick or injured while abroad, or your trip gets cancelled last minute?

That’s where travel insurance comes in.

Travel insurance is a crucial investment for any traveller, providing peace of mind and financial protection in case of unexpected events.

But with so many options available, it can be overwhelming to choose the right policy. That’s why we’ve done the research for you and compiled a list of the best travel insurance options in Singapore.

In this article, we’ll break down Singapore’s top travel insurance providers, highlighting their key features and benefits to help you choose the best policy for your needs.

But first, let me clarify the difference between the different types of travel insurance available in Singapore.

Single Trip Travel Insurance vs Annual Trip Travel Insurance

When it comes to travel insurance in Singapore, there are 2 main options: single trip and annual trip coverage.

Single-trip travel insurance covers a specific trip, usually for a set number of days. This is ideal for people who only travel occasionally or have a specific trip planned.

On the other hand, annual trip travel insurance covers multiple trips throughout the year. This is a good option for frequent travellers or those who may take multiple trips throughout the year.

Both single-trip and annual trip insurance typically provide similar coverages, with the main difference being annual trips offering slightly more coverage and are more expensive than single-trip plans.

However, this article will cover the best single-trip travel insurance in Singapore.

Interested to find out about annual travel insurance? Click here to find the best annual travel insurance in Singapore .

Comparing the Best Single-Trip Travel Insurance Plans in Singapore

These are the best travel insurance plans that will be compared throughout this article.

• AIG Travel Guard Direct
• AIA Around the World Plus (II)
• Allianz Travel
• FWD Travel Insurance
• Klook TravelCare
• MSIG TravelEasy
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance
• Singlife Travel Insurance
• Etiqa TIQ Travel Insurance (with Covid-19 cover)

Cheapest Travel Insurance in Singapore – Klook Travel Care Lite

The basis for this comparison will be on the coverage for a single 25-year-old individual travelling to Thailand for a week and the lowest-tiered plan across all insurers.

We all know that Klook is one of the go-to platforms for booking popular attractions, hotels, and tours, but did you know they also offer travel insurance?

Underwritten by MSIG Singapore, Klook TravelCare Lite offers the cheapest travel insurance at only $27.65 for anyone looking for a short getaway from the hustle and bustle.

What’s more, Klook TravelCare also offers coverage for adventurous activities – which many plans don’t.

So, if you’re looking to get travel insurance at the lowest price, Klook TravelCare Lite would be the travel insurance plan for you.

Best Travel Insurance with Highest Overseas Medical Expenses Coverage – Singlife Travel Insurance Prestige

This comparison will be based on coverage for a single 25-year-old individual travelling to Thailand for a week and the highest-tiered plan across all insurers.

You can almost never predict what will happen when you travel to a foreign country, making overseas medical expenses coverage one of the most important factors for travel insurance.

This does not just apply to accidents you may face, it may also be unexpected illnesses, injuries, or medical conditions that develop which you may need hospitalisation for.

As you can see, we have a very clear winner in this category.

Singlife Travel Insurance Prestige  is the only travel insurance plan offering unlimited overseas medical expenses coverage!

Although its premium is much higher than some, it is less expensive than plans like AIG Travel Guard and AIA Around the World Plus (II), which have premiums over $100.

In these situations, it certainly pays to be safe than sorry – especially if it’s going to be a long trip.

One of the highlights of Singlife Travel Insurance is the ability to add optional covers such as overseas weddings & photoshoots, golf holidays, winter sports, and adventurous water sports!

So, if you’re looking for a plan that offers the highest overseas medical expenses coverage – you should get  Singlife Travel Insurance Prestige .

Best Travel Insurance for Those with Pre-Existing Conditions – Etiqa TIQ Travel Insurance Pre-Ex

Most insurers in Singapore do not extend travel insurance coverage to those with pre-existing medical conditions such as eczema, diabetes, stroke, asthma, sleep apnea, cancer, epilepsy, or heart disease.

If you have any of those, what happens if you suffer a lapse or relapse of your medical condition during your trip?

And even if you had gotten other travel insurance before, you cannot make any claims because your condition would have been subjected to medical underwriting – pitting it as an incidence you can’t claim for.

Thus, you may want to look for travel insurance plans that offer coverage for pre-existing medical conditions, such as:

• MSIG TravelEasy Pre-Ex
• Etiqa TIQ Travel Insurance Pre-Ex

Let’s pit the 2 side-by-side to see how they fare.

This comparison will be based on a single trip coverage for a single 25-year-old individual travelling to Thailand for a week and the lowest-tiered plan across all insurers.

We will also be comparing some of the more notable benefits.

We would have to recommend Etiqa TIQ Travel Insurance Pre-Ex Entry (with Covid-19 cover) for this category.

I mean, it’s pretty obvious they have higher benefits when it comes to coverage for pre-existing conditions.

And if you have a pre-existing condition, why get lower benefits if you’re at a higher risk of needing higher coverage?

Plus, the COVID-19 virus is still highly prevalent – even  healthcare professionals  have mentioned that those with pre-existing medical conditions have a higher risk of developing complications if they have contracted the virus before.

So yes, although premiums are more expensive, you should consider a plan that gives you comprehensive coverage for pre-existing conditions and any unexpected situations should those conditions relapse.

Therefore, if you’re going on a trip and have a pre-existing condition, you can check out Etiqa TIQ Travel Insurance Pre-Ex Entry (with Covid-19 cover).

Best Travel Insurance with Highest Benefit for Loss or Damage of Baggage and Personal Belongings – AIG Travel Guard Direct Supreme

This is one of the common travel inconveniences that any traveller can face, especially when you need your essentials to carry out your itinerary as planned.

I mean, what if you love to vlog on your trips? You would probably pack your camera and laptop for taking pictures and editing.

And what if you brought your brand new luxury bag or jewellery overseas for that ultimate #OOTD?

And of course, your travel documents and passport should also be with you.

What happens if the airport loses your baggage and all those personal belongings? What will you do then?

Thus, it is important to choose a travel insurance plan that covers you well for these situations, such as AIG Travel Guard Direct Supreme, which offers up to $10,000 for the loss or damage of your baggage and personal belongings.

Although it is the most expensive premium of $125, paying slightly more for higher protection should be the least of your worries when it comes to your essentials.

Especially if you carry luxury items or personal electronics such as your phone/laptop.

Thus, you should consider AIG Travel Guard Direct Supreme as your travel insurance if you’re worried about losing and damaging your personal belongings.

Best Travel Insurance If you’re Engaging a Travel Agency – MSIG TravelEasy Premier

In this current business climate, companies like travel agencies can sometimes close down without warning and cause major inconvenience to those who book their tours or travel plans with them.

This had actually happened in  earlier years  with Five Stars Tours, which closed down abruptly and resulted in many complaints from travellers – seeing as they were unable to get refunds on deposits and prepayments from cancelled or postponed tour packages.

So, if you had booked your travel through a travel agency, this should generally be one of the factors to look out for in a travel insurance plan because you would have spent quite a lot on tour packages.

I mean, a 5D4N tour package for a single person to Thailand by Chan Brothers Travel already  costs about $1,138 . So, the coverage you’re looking for should be “sufficient” to cover the package cost.

In this case, MSIG TravelEasy Premier would be the one to look out for, given its highest coverage of $6,000.

Best Travel Insurance for Active Travellers – Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover)

This one goes out to all those adrenaline seekers who love the outdoors and need a travel insurance plan to protect them should an accident happen.

In these cases, personal accident benefits should appeal to you most.

We can see that 5 insurers offer the highest personal accident benefit of $500,000.

But there’s one that stands out the most: Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover).

And for 2 main reasons – it has the cheapest premium of just $43.20 and covers an extensive list of leisure and recreational type of holiday outdoor activities that most insurers don’t even cover!

Here is what’s covered in the TIQ plan:

• Hot air ballon
• Scuba diving
• Skiing, and other ice/snow sports
• Hiking or trekking
• Marathons and other competitions (excluding ultramarathons, biathlons, and triathlons)
• Paragliding, hang gliding, parachuting
• Bungee jumping

We told you, it’s an extensive list!

And if you’re an active traveller, there’s bound to be an activity listed above that you would most likely partake in on your travel.

So to our adventure junkies and outdoorsy people, Etiqa TIQ Travel Insurance Luxury (with Covid-19 cover) is your travel insurance.

Best Travel Insurance with Highest COVID-19 Coverage – Allianz Travel Platinum

These days, COVID-19 coverage has become a norm in travel insurance since the pandemic. What this means is that you will be able to claim from your travel insurance if you get COVID-19 while travelling.

The table above shows that many factors are covered in case you contract the virus.

Which of these is actually important for you to consider when it comes to choosing coverage?

Well, it is likely that everyone in Singapore by now has gotten their vaccinations before they are allowed to travel overseas.

But that’s not to say you may not be infected by the virus, especially if that country you’re travelling to still has high infection rates.

So, if you get infected there, you may incur a huge bill when you seek medical treatment, as it depends on the country’s current COVID-19 measures and protocol at the time.

And what happens if you get quarantined there?

Thus, you should be looking out for the overseas medical expenses benefit and quarantine allowance from each insurer.

In this case, Allianz Travel Platinum takes the win for the highest coverage for overseas medical expenses at a whopping $1,000,000!

Guaranteed that Allianz’s overseas quarantine allowance isn’t the highest amongst the rest – but ranks the 2nd highest, it still holds a pretty high position.

Plus, if you need to be medically evacuated and repatriated, Allianz offers unlimited coverage for both cases!

Even though those factors are not as important (since you most likely only need them only once) – but it’s good to have!

Of course, that’s not saying that the overseas medical expenses benefits are all you should look at.

You should also look at the trip cancellation and postponement component because these are important for you to check if the coverage is “sufficient” to cover the cancellation cost of your air tickets, accommodation, and itinerary should you contact the virus before you fly.

If you’re concerned about this aspect, Allianz Travel Platinum is still your go-to travel insurance plan because they offer the highest coverage of $15,000!

Moreover, their premiums are not the most expensive compared to other plans that cost way over $100.

So, if you’re looking for a travel insurance plan that gives you the highest COVID-19 coverage on single trips, you should pick Allianz Travel Platinum.

Best Value Travel Insurance – Klook Travel Care Lite

When it comes to travelling, it is a common practice to source around for the best deals – and it shouldn’t be any different for travel insurance.

Plus, you’re already putting aside expenses for your short getaway trip, so why wouldn’t you want a travel insurance plan that will be a bang for your buck?

Thus, in terms of cost-to-benefit ratio, Klook Travel Insurance Lite stands out as the best value option for single-trip travellers.

It is definitely a worthy competitor even with it having the cheapest premium!

I mean, for just $27.65, you get

• An affordable travel insurance to ease your travel worries
• A reasonable extent of coverage for overseas medical coverage ($150,000!)
• $200,000 for Accidental death and TPD coverage (which is comparable to some of the higher-priced plans like AIA and Singlife!)
• Coverage for adventurous activities – which many plans don’t have!
• A great and more affordable alternative to MSIG TravelEasy (since they are Klook Travel Insurance’s underwriter after all!)

So, you can really see why Klook Travel Insurance is a great value plan for short-trip travellers.

They also have 2 other tiers for you to consider – Essential and Deluxue for those with a bigger budget.

But one thing’s for sure, they will remain a value-for-money travel insurance plan.

In conclusion, having travel insurance is not just a smart choice, it’s a necessary one.

You never know what could happen while exploring a new place, and having that peace of mind is priceless.

With so many options available in Singapore, it can be overwhelming to choose the best one for you.

But by considering your needs, reading reviews, and comparing prices and coverage, you’ll be able to find the perfect travel insurance policy to protect you on your next adventure.

Safe travels!

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

Most Popular Posts

11 Best (Early & Late-Stage) Critical Illness Insurance Plans in Singapore

Looking for early and late-stage critical illness insurance but unsure how to start? Check out this article! We cover the key factors to consider and best plans based on criteria.

11 Best Investment-Linked Policies in Singapore

Our most popular post has got its latest refresh. Here are this year’s top picks for the best ILPs in Singapore. Click here to find out which ILP is the best.

11 Best Whole Life Insurance Plans in Singapore [2024 Edition]

Unsure which is the best whole life insurance plan in Singapore? We’ve analysed them all and handpicked the best ones. Click here to find out more!

9 Best Term Life Insurance Plans in Singapore (2024 Edition)

Looking for the best term life insurance plans in Singapore? We compare the different options and select the best ones for different needs. Read more here!

Recent Posts

Emergency Funds: How To Build, Where To Put, How Much Do You Need in Singapore?

How much emergency funds do you need in Singapore? Where should you put them? How do I start building it? We’ve answered these questions in this post.

MediFund Guide: What Is It & How To Apply?

The MediFund is Singapore’s way of helping needy families with their healthcare bills should they can’t afford them. Read more about it in our post here.

What is an Insurance Policy Loan & When Should You Use it? | Singapore Guide

Wondering what an insurance policy loan is and when you should use it? Here’s our comprehensive guide on the topic. Click here to read more.

Maternity Plan vs Integrated Shield Plan

Explore the key differences between Maternity and Shield Plans in Singapore. Understand coverage options to make informed choices for family planning.

© Copyright 2019-2023 Dollar Bureau – All Rights Reserved Singapore

• Privacy Policy
• Terms & Conditions

• Car Insurance
• Corporate Employee Insurance
• Critical Illness Protect360
• Early Critical Illness Insurance
• Fire Insurance
• Home Protect360
• Home ProtectLite
• Hospital Income Insurance
• Maid Insurance
• Mobile Phone Insurance
• Accident Protect360
• Family Protect360
• Singapore Travel Pass
• Travel Insurance
• Business Packages
• Casualty Insurance
• Corporate Travel360
• Engineering Insurance
• Keyman Insurance
• Property Insurance
• Agent Recruitment
• Intermediary Login
• Our Corporate Profile
• Ethics Policy
• News and Media Releases
• HLAH Background and Regional Subsidiaries
• Check Claim Status
• Claim Forms
• Guide To Claims Process
• REGIONAL SERVICES

SAFE TRAVELS START WITH SINGAPORE'S BEST COVID-19 TRAVEL INSURANCE

Protect Yourself with Singapore’s Best COVID-19 Travel Insurance

Important Notice

The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories, and to Iceland. Please click here if you intend to or have purchased a travel plan to these areas.

current promotion

Purchase your travel insurance policy with HL Assurance and you’ll have the chance to win a flight ticket of your choice to your dream destination. The more you purchase, the more points you earn and the more chances of winning! Terms apply.

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd th customer + 1 buddy + ncd-->.

Be protected from COVID-19 with the new travel insurance offer in Singapore – COVIDSafe Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 under our travel protection plan, but we are also now rewarding you with No Claim Discount. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. This travel insurance annual promotion in Singapore could be better value than buying single trip insurance for each holiday! Take advantage of our best annual travel insurance promotion and discounts today!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose Our COVID-19 Travel Insurance in Singapore?

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that offer secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

24/7 COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.

Best COVID-19 Travel Insurance Coverage

Travelling during a pandemic can be stressful, not knowing if your insurance plans provide proper coverage. With our enhanced COVIDSafe Travel Protect360 Insurance, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.

Enjoy No Claim Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase with HL Assurance.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our comprehensive COVID-19 travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences! Buy your travel insurance online today.

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind. COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 30 June 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2021 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

• The promotion is held from now until 30 June 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: can i continue my medical treatment for injury or sickness sustained overseas when i return to singapore.

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our travel insurance policy does not cover any pregnancy-related issues.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: Are adventure activities and indoor / outdoor sports covered by COVIDSafe Travel Protect360 insurance?

A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings .

Q: Is there a waiting period for COVIDSafe Travel Protect360 Insurance coverage to take effect?

A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).

Q: How to buy travel insurance from HL Assurance?

A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.

Q: Can I extend my travel insurance coverage if my trip is extended?

A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.

Q: Can I buy travel insurance after departure?

A: Generally, travel insurance should be purchased before your trip commences.

Q: Can I cancel my travel insurance policy if my plans change?

A: You may cancel the Policy before the start of your trip with administrative charges applicable.

Q: Annual Trip Insurance vs Single Trip Insurance - Which is better?

A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.

Q: Does COVIDSafe Travel Protect360 Insurance cover me if I travel to multiple countries?

A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here .

Q: What does COVIDSafe Travel Protect360 Insurance cover?

A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.

All plans cover the following travel benefits:

• Overseas Medical Expenses (Child, Adult, Senior / Elderly)
• Medical Expenses in Singapore
• Personal Accident: Accidental Death & Permanent Disablement
• Travel Inconvenience
• Travel Postponement
• Travel Misconnections
• Insolvency of Travel Agency (Excluding Basic Plan)
• Trip Disruption
• Flight Inconvenience and Diversion
• Hijack of Common Carrier
• Kidnap & Hostage (Excluding Basic Plan)
• Personal Liability
• Loss of Home Contents
• Credit Card Protections (Excluding Basic Plan)
• Rental Car Excess
• Enhanced Medical Benefits due to COVID-19 (Excluding Basic Plan)
• Enhanced Travel Inconvenience, Cancellation, Postponement or Curtailment due to COVID-19 (Excluding Basic Plan)

Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents required for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport, etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).

Thank you for insuring with us.

Discover more about Travel Insurance in Singapore

Travel Essentials: Must-See Cities and Insurance Insights for Japan

Japan is an archipelago stretching along the eastern coast of Asia, made up of four main islands: Honshu, Hokkaido, Kyushu, and Shikoku. This geographic diversity brings a range of climates and landscapes, from the snowy mountains of Hokkaido to the tropical beaches of Okinawa. Whether you’re a first-time traveller or a yearly visitor, Japan continually…

Travel to Bali: Essential Insurance Tips for a Tropical Escape

Bali, Indonesia’s famed island paradise, beckons travellers with its enchanting blend of lush landscapes, friendly people, and serene beaches. Known for its majestic temples, vibrant arts scene, and world-renowned surf spots, Bali offers a myriad of experiences for every type of holiday-goer. As you plan to bask in the island’s natural beauty and dive into…

Travel Smart in Taiwan: Key Insurance Insights and Tips for Your Journey

Taiwan is a land of stunning contrasts, delightful food and friendly people. The island boasts a landscape as diverse as its cultural heritage, from the soaring peaks of the Central Mountain Range to the serene beaches of Kenting. Prefer food to scenery? Taiwanese cuisine, a delightful blend of local flavours and foreign influences, offers foodies…

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Family Travel Insurance
• Schengen Travel Insurance
• International Health For Individuals
• International Health for SME
• Travel Insurance Promotion
• COVID-19 Alerts

Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

40% off Travel Insurance Plan

Save 40% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel. 

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Travel Insurance Catered to Different Needs

• For Frequent Travellers:  Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our   Annual Plan Travel Insurance here  
• For One-off Trips:  Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our   Single Trip Travel Insurance here  
• For Family:  Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) .  Discover our  Family Travel Insurance here  

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

40% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'travel40'

1. is valid until 30 April 2024

2. ‘travel40’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

Swipe to view more

Designed for essential travel and medical coverages only

Well-balanced coverages for most type of travels

From S$ 25.20

Inclusive of an extensive scope of travel protection

Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

Discover Our Travel News & Tips

Are you always worrying on too many things about your travels?

Travel should be peaceful… worry-free… pleasant… and any great adjectives that you can think of right now.

Understanding Travel Insurance Terms and Exclusions

Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

Travelling to EU Countries with Allianz Travel Singapore

Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

Tips for Planning a Budget-Friendly Travel Adventure

Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

What To Take Note of Before Making a Travel Insurance Claim?

Planning to make a travel insurance claim? Our article covers essential tips to keep in mind, from preparing documents to filling out claim forms.

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

Mon – Fri, 9:00 - 17:30 Singapore Time

e-mail: [email protected]

For customer service

call: +65 6327 2210 

Allianz Travel: How Can We Help?

24 hour emergency assistance.

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance for a Trip to Singapore (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Singapore as expected.

in under 2 minutes

Jessica Bergin is a Barcelona-based Australian writer who has worked in the travel industry for half a decade. Her passion for adventure, travel, culture and lifestyle has helped her navigate a successful career in the writing industry, including for World Words.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re a seasoned traveler or it’s your first time abroad, having travel insurance for a Singapore vacation can be beneficial. From trip cancellation protection to medical expense coverage, travel insurance can help reimburse nonrefundable costs if your plans go astray.

We at the MarketWatch Guides Team have reviewed the best travel insurance companies and compiled what to know about travel insurance for Singapore, including advantages and costs.

Compare Singapore Travel Insurance Companies

Compare the best Singapore travel insurance companies with the table below:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Singapore?

As of February 2023, Singapore has eased up on COVID-19-related travel insurance requirements. Visitors are no longer required to obtain travel insurance before entering the country, but the government still highly recommends it.

In case things go wrong, having travel insurance coverage can provide an added layer of security. A comprehensive travel insurance plan may cover emergency medical expenses and assistance, lost or delayed baggage, unexpected trip cancellations and flight delays.

Singapore is known for outdoor adventure activities like kayaking, scuba diving and hiking — and travel insurance can offer peace of mind when you’re exploring the great outdoors. Most plans include emergency medical coverage if you sustain injuries while traveling, and some policies offer protection for sporting gear.

But every traveler is unique and will require different coverage. Whether you’re an adventure aficionado or a business traveler , there’s an insurance plan that’s right for you. Here are the most common travel insurance coverages:

Cancel for Any Reason Coverage

Cancel for any reason coverage , also known as CFAR, allows you to claim reimbursement if you cancel your trip for reasons not listed in your insurance policy. CFAR coverage is advantageous for travelers who might need to cancel their trip for unconventional reasons.

When compared to standard travel insurance, CFAR coverage is more flexible. However, it can be more costly and doesn’t always cover you completely. There are a handful of rules to qualify for coverage, including:

• You may have to cancel at least 48 hours before your departure date.
• You need to buy CFAR coverage within a certain number of days after booking your trip.

Gear Theft Protection

Singapore has some of the highest safety rankings in the world . Nevertheless, backing yourself with gear theft protection can still be a wise choice, especially if you’re traveling with valuable personal belongings, travel documents and credit cards.

Travel insurance can help cover you in case your items are lost, damaged or stolen. Although travel insurance policies include predetermined cost limitations and exclusions, coverage is worth considering if you wish to bring the following:

• A laptop, tablet or smartphone
• Professional camera and equipment
• Sports equipment (like a kayak)

Note that, due to sub-limits on some policies, your policy may not cover the full value of your items. Review your policy documents, including the product disclosure statement, to ensure you are protected. If not, you may want to consider leaving some of your more valuable items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

If you encounter health complications during your trip, having travel insurance with medical emergencies and evacuation coverage can make a big difference.

In Singapore, the smog and tropical heat may negatively affect some travelers . Be sure to declare any pre-existing medical conditions like high blood pressure, asthma or skin conditions when booking your trip insurance.

Travel insurance for medical emergencies can cover a variety of scenarios, from viral outbreaks to unforeseen medical treatments. Keep in mind that your U.S. health insurance card may not provide coverage abroad, even if you have a private plan. If things go awry, you’ll have peace of mind knowing you have medical protection with travel insurance.

For medical emergency coverage, a standard travel insurance policy may include:

• Hospital admission fees
• Operations and operating room fees
• Ambulance fees
• X-rays and lab tests
• Dental costs

Travel insurance companies also usually include coverage for emergency medical evacuation and repatriation. In recent years following the pandemic, medical insurance has become a consideration for many American travelers.

Some companies also offer medical coverage for sports and adventure enthusiasts. Overseas medical expenses and treatments can add up, especially if you’re into extreme sports.

Rental Car Protection

Singapore requires car rental companies to have insurance . In most cases, rental car insurance in Singapore covers the vehicle in the event of traffic accidents. Most car rental companies opt for a basic collision damage waiver coverage that comes with limitations. Two important factors to look out for include:

• Most car rental companies will choose to opt for a higher excess, or what you will have to pay when making a claim.
• The majority of companies will only cover car use in Singapore.

Check your insurance policy before driving a Singapore rental car into other countries. For example, you may not have coverage if you drive a vehicle from Singapore to places like Hong Kong, Brunei, Cambodia or Malaysia.

If you’re traveling to Singapore and planning to rent a car, you can also purchase travel insurance with rental car coverage for extra protection. Some types of rental car coverage include:

• Collision damage waiver
• Theft protection
• Third-party liability
• Personal accident insurance

Trip Cancellation Insurance

Trip cancellation insurance can reimburse you in the event of unforeseen circumstances while traveling. This type of travel insurance covers cancellations for the following reasons:

• Death of a traveling companion or immediate family member
• Diagnosis of a serious medical condition or injury
• Natural disasters or dangerous weather conditions
• Domestic or international acts of terrorism
• Legal obligations like jury duty

Trip cancellation insurance is mostly limited to the above reasons. For more flexibility, it’s best to opt for CFAR coverage.

How Much Does Singapore Travel Insurance Cost?

The cost of travel insurance can vary depending on your coverage preferences, age and desired destination. Whether you’re searching for single-trip plans or annual multi-trip coverage , there are multiple providers to consider. And if you are on a budget, cheap travel insurance options are available.

To receive a quote from a travel insurance provider, you’ll be required to submit the following information:

• Destination country
• Your home location
• Age group and the number of travelers
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Singapore. The below quotes are for a 30-year-old traveler from Florida, traveling to Singapore for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

How Do I Get Travel Insurance for Singapore?

There are a few things to consider before purchasing a travel insurance plan for your trip to Singapore. First, it’s worth seeing if your current health insurance plan or credit card offers any overseas coverage. We also recommend you check to see if your health insurance extends to medical emergencies abroad.

Compare various insurance options and consider factors like COVID-19 coverage, medical expenses, emergency assistance, trip cancellation and travel delays. For example, most major airlines offer travel insurance when booking flights, but coverage may not include specific medical emergencies.

Remember, full reimbursement isn’t always guaranteed, so carefully review policy wording and disclaimers. Familiarize yourself with coverage exclusions and consider add-ons to enhance your travel insurance coverage.

Singapore Safety Tips

Singapore is considered one of the safest countries for travel . Whether you are traversing this modern, metropolitan city-state as an experienced traveler or a first-timer, here are some things to take into account:

Crime and Safety

Crime rates are relatively low in Singapore. However, petty crime can still happen in major tourist areas, hotel lobbies, airports and public transportation facilities. Keep an eye out for pickpocketing and theft and, if possible, keep your valuables stored in locked safes when not in use.

Day Trips, Tours and Excursions

There are plenty of options for travel from Singapore, whether you are planning a day trip to Malaysia or a longer stay in Indonesia or Thailand. If you’re planning an active activity, make sure your travel insurance plan covers medical expenses and emergency assistance.

As of February 2023, the Singapore government has lifted all restrictions regarding COVID-19 .

The country does not require COVID-19 coverage and vaccinations for international air travelers. You also do not need to show a vaccine passport to return to the U.S.

In case of an emergency when traveling in Singapore, call the U.S. Embassy hotline at +(65) 6476-9100.

Is Travel Insurance for a Singapore Vacation Worth It?

Although travel insurance for a Singapore vacation is not mandatory, it comes with many benefits. Standard insurance may cover you for lost baggage , medical emergencies, flight postponements or other travel inconveniences. Or you can opt for more comprehensive coverage, which could include protection for valuable items like cameras and sporting gear.

Travel insurance can also offer peace of mind if you have to cancel your trip due to unforeseen circumstances. Plus, there are many add-on options to improve your travel insurance coverage — like CFAR or rental car coverage.

Ultimately, it’s up to you if travel insurance is worth it for a vacation to Singapore. We recommend comparing quotes and general information from at least three travel insurance companies before purchasing a policy.

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

The U.S. does not always require airlines to compensate you for delayed or canceled flights. Most major airlines have limitations that only allow refunds if cancellations are the airline’s fault or due to overbooking. However, travel insurance offers reimbursement for nonrefundable costs, such as airline tickets, for certain trip cancellations.

Do you need travel insurance for Singapore?

You are not required to have travel insurance to enter Singapore. But purchasing travel insurance can offer policyholders peace of mind in knowing their trip is protected against unexpected events.

Do tourists get free health care in Singapore?

Travelers do not receive free health care in Singapore. But medical expenses can add up if you need treatment while abroad. Travel insurance can help cover emergency medical expenses while in Singapore. Or you can check to see if your health care extends to emergency care while traveling.

Can I buy travel insurance after I depart for Singapore?

No. To claim reimbursement, you need to purchase travel insurance before your departure date.

If you have questions about this page, please reach out to our editors at [email protected] .

Top Travel Insurances for Singapore You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The island city-state of Singapore is famous for its modern architecture, clean streets, vibrant culinary scene, and eco-friendly urban environment. While small, the city contains many iconic landmarks such as Marina Bay Sands and Gardens by the Bay. Although travelling to Singapore can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Singapore and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Singapore Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore:

Best Travel Insurances for Singapore

• 01. Should I get travel insurance for Singapore? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Singapore scroll down

Heading to Singapore soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Singapore?

Yes, travel insurance is mandatory for travel to Singapore. This means that as a traveller to Singapore, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Singapore, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Singapore or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Singapore:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Singapore. It lets you choose between various plans tailored to meet the specific needs of your trip to Singapore, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Singapore:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Singapore? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Singapore

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

• Travel Insurance

Travel Insurance — Must-Have or Good-to-Have?

If travel is on the horizon for you this year, then getting sufficient travel insurance is a worthy investment for peace of mind for your next adventure.

by Sihan Chia on Apr 20, 2024

Whether it’s a weekend getaway or taking the road less travelled on a month-long adventure , planning ahead is crucial to ensure a smooth and hassle-free trip. 

An essential aspect of travel planning is purchasing travel insurance. With a plethora of options available, it’s tempting to opt for the cheapest travel insurance plan available. But is the cheapest always the best choice? Read on to learn how to make an informed decision when it comes to purchasing travel insurance and some scenarios where investing in a more expensive plan might be beneficial.

The Temptation of Cheap Travel Insurance

In today’s digital age, finding cheap travel insurance is just a few clicks away. Many budget-friendly options promise adequate coverage at a fraction of the cost of premium plans. While saving money is always a plus, it’s essential to understand what you’re getting for your money.

Related: How Travel Insurance Can Protect Your Refund Rights for Flight Cancellations and Delays

What does cheap travel insurance typically cover.

Cheap travel insurance plans often offer basic coverage, which may include:

• Trip cancellation or interruption
• Baggage loss or delay
• Emergency medical expenses
• Emergency evacuation

While these coverages are essential, they may have limitations in terms of coverage amounts, exclusions, and deductibles. For instance, a cheap plan may have a low coverage limit for emergency medical expenses or exclude coverage for adventure sports or pre-existing medical conditions .

Related: What’s Inflating Your Travel Expenses This Year?

When is it worth investing in a more expensive plan, extended coverage and higher limits.

If you’re embarking on a high-value trip or travelling to a destination with high medical costs, investing in a more expensive travel insurance plan with higher coverage limits can literally be lifesaving if emergencies arise. Premium plans may provide:

• Higher coverage limits for emergency medical expenses including evacuation
• Coverage for adventure sports and activities
• Additional benefits such as trip delay, missed connections, and rental car damage

Related: Average Costs and Benefits of Travel Insurance

Pre-existing medical conditions.

If you have pre-existing medical conditions , opting for a cheap travel insurance plan may not provide sufficient coverage. Many budget-friendly plans exclude coverage for pre-existing conditions or offer limited coverage, which can leave you vulnerable to significant out-of-pocket expenses in case of a medical emergency abroad.

Related: Afraid of Getting Your Travel Insurance Claim Rejected? Take These Precautions

Comprehensive coverage.

For travellers seeking comprehensive coverage, including cancel for any reason (CFAR) or upgrade options for lost or stolen items, a more expensive travel insurance plan may be worth the investment. Premium plans often offer:

• Cancel for any reason coverage
• Upgrade options for lost or stolen items
• Enhanced 24/7 travel assistance services

Related: Travel Insurance From Airlines vs Insurance Companies – Which is Better?

Risks of insufficient travel insurance coverage.

Opting for the cheapest travel insurance plan without carefully reviewing the coverage details can expose you to potential risks such as:

Financial Risks

Inadequate coverage for emergency medical expenses, trip cancellation, or lost baggage can result in significant financial impact on you. Medical emergencies abroad can lead to exorbitant medical bills, and without sufficient coverage, imagine the horror of you paying out-of-pocket!

Limited Protection

Cheap travel insurance plans often come with limitations and exclusions that may not provide adequate protection for your specific travel needs. For instance, exclusions for adventure sports or pre-existing medical conditions can leave you unprotected in case of an accident or illness related to these activities.

Additional Stress

Dealing with unexpected situations such as lost baggage, flight cancellations, or medical emergencies without adequate travel insurance coverage can be stressful and ruin your travel experience.

Related: How To Survive and Thrive as a Solo Traveller

How to make an informed decision.

Assess Your Travel Needs

Before purchasing travel insurance, assess your travel needs and the potential risks associated with your trip based on the following factors:

• Destination and travel activities
• Value of your trip and prepaid expenses
• Health condition and medical history

Compare Plans

Shop around and compare different travel insurance plans to find one that offers the best value for your money. Pay attention to the coverage limits, exclusions, deductibles, and additional benefits offered by each plan.

Read the Fine Print

Carefully read the policy terms and conditions, including the coverage exclusions and limitations. Make sure you understand what is covered and what is not to avoid any surprises in case of a claim.

Consult An Insurance Expert

If you’re unsure about which travel insurance plan to choose, call and ask an insurance expert or travel advisor who can help you find a plan that meets your specific needs and provides adequate coverage for your trip. It’s always better to get the conversation on record, preferably on email so you can clarify any questions before purchasing. 

While cheap travel insurance can save you money upfront, it may not always provide sufficient coverage for your travel needs. 

Investing in a more expensive travel insurance plan with comprehensive coverage can offer better protection and peace of mind, especially for high-value trips or travellers with pre-existing medical conditions. By assessing your travel needs, comparing different plans, and reading the fine print, you can make an informed decision and choose a travel insurance plan that offers the best value for your money. 

Ultimately, we travel to relax and create happy memories for ourselves and our loved ones, so all you need is that one purchase to ensure a safe and worry-free experience.

Compare the best travel insurance plans available on our platform before you fly!

Compare Best Travel Insurance in Singapore Find Out More

A Guide To Travel Insurance

Best Travel Destinations Off the Beaten Path to Beat the Crowd

Travel Diaries: 5 Safest Travel Destinations in the World

How to Pick the Best Travel Insurance

How to Go on a Round the World Trip Without Going Broke

Cover Image: Unsplash

This content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation or endorsement by AMTD PolicyPal Group in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Under AMTD Digital, AMTD PolicyPal Group consists of PolicyPal Pte. Ltd., Baoxianbaobao Pte. Ltd., PolicyPal Tech Pte. Ltd., and ValueChampion. 

Best Cheap Travel Insurance of April 2024

Find a Qualified Financial Advisor

Finding a qualified financial advisor doesn't have to be hard. Datalign's free tool matches you with financial advisors in your area in as little as 3 minutes. All firms have been vetted by Datalign and all advisors are registered with the SEC. Get started with achieving your financial goals!

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation: GoReady travel insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: GoReady

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How we reviewed cheap travel insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

What company offers the cheapest travel insurance?

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Why is travelers insurance so cheap?

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.