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Compare Best Travel Insurance Singapore in 2024

Let’s find the most affordable Travel Insurance for your trip!

Coverage Type
Adults
Children
Family refers to at most 2 parents (insured person and legal spouse) and children below 18 years of age. Refer to insurer's brochure for specific definition of Family.

Allianz Travel Hero - ASEAN

Only on SingSaver
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 16.00 (S$5.33/day)

FWD Premium

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$7,500

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 12.65 (S$4.22/day)

35% offOriginal Price S$ 19.47

Tiq Travel Entry

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$2,000

Premium

S$ 11.13 (S$3.71/day)

47% offOriginal Price S$ 21.00

MSIG Standard Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$250,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 22.80 (S$7.60/day)

40% offOriginal Price S$ 38.00
Directly on SingSaver

Starr TraveLead Essential with COVID-19 Coverage (Bronze Plan)

SingSaver's Exclusive Offer
Cancellation coverage
S$0

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$0

Premium

S$ 8.58 (S$2.86/day)

45% offOriginal Price S$ 15.60

Singlife Travel Lite

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$250,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 22.54 (S$7.51/day)

25% offOriginal Price S$ 30.05

Direct Asia Travel Insurance - DA150

Cancellation coverage
S$3,000

Medical Coverage (Overseas)
S$150,000

Bags & Belongings Coverage
S$1,000

Premium

S$ 14.70 (S$4.90/day)

40% offOriginal Price S$ 24.50

Seedly Travel Safe

SingSaver's Exclusive Offer
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 19.91 (S$6.64/day)

50% offOriginal Price S$ 39.83
Directly on SingSaver

AIG Travel Guard® Direct - Basic

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$100,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 30.00 (S$10.00/day)

Allied World Travel Protector Classic

Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 22.40 (S$7.47/day)

30% offOriginal Price S$ 32.00

HLAS COVIDSafe Travel Protect360 Basic (No COVID Coverage)

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$150,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 23.10 (S$7.70/day)

45% offOriginal Price S$ 42.00
Directly on SingSaver

Great Eastern TravelSmart Premier Classic

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$300,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 40.80 (S$13.60/day)

20% offOriginal Price S$ 51.00

SOMPO Travel Insurance (Essential)

Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$1,000

Premium

S$ 36.00 (S$12.00/day)

Starr TraveLead Valuable Secured with COVID-19 Coverage (Bronze Plan)

SingSaver's Exclusive Offer
Cancellation coverage
S$0

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 10.56 (S$3.52/day)

45% offOriginal Price S$ 19.20

Starr TraveLead Trip Secured with COVID-19 Coverage (Bronze Plan)

SingSaver's Exclusive Offer
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$0

Premium

S$ 15.18 (S$5.06/day)

45% offOriginal Price S$ 27.60

Starr TraveLead Comprehensive with COVID-19 Coverage (Bronze Plan)

SingSaver's Exclusive Offer
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 15.84 (S$5.28/day)

45% offOriginal Price S$ 28.80

Allianz Travel Insurance Basic Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$1,500

Medical Coverage (Overseas)
S$250,000

Bags & Belongings Coverage
S$1,000

Premium

S$ 15.91 (S$5.30/day)

57% offOriginal Price S$ 37.00

Direct Asia Travel Insurance - DA200

Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 16.80 (S$5.60/day)

40% offOriginal Price S$ 28.00

Tiq Travel Savvy

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$2,000

Premium

S$ 18.02 (S$6.01/day)

47% offOriginal Price S$ 34.00

FWD Business

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 18.89 (S$6.30/day)

35% offOriginal Price S$ 29.07

Allianz Travel Insurance Silver Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 19.78 (S$6.59/day)

57% offOriginal Price S$ 46.00

Tiq Travel Luxury

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 20.14 (S$6.71/day)

47% offOriginal Price S$ 38.00

Direct Asia Travel Insurance - DA500

Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 21.00 (S$7.00/day)

40% offOriginal Price S$ 35.00

FWD First

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$7,500

Premium

S$ 21.34 (S$7.11/day)

35% offOriginal Price S$ 32.83

Allied World Travel Protector Superior

Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 29.40 (S$9.80/day)

30% offOriginal Price S$ 42.00

HLAS COVIDSafe Travel Protect360 Enhanced

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$7,000

Medical Coverage (Overseas)
S$250,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 30.80 (S$10.27/day)

45% offOriginal Price S$ 56.00
Directly on SingSaver

MSIG Elite Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 31.50 (S$10.50/day)

40% offOriginal Price S$ 52.50
Directly on SingSaver

Singlife Travel Plus

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$2,000,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 31.95 (S$10.65/day)

25% offOriginal Price S$ 42.60

Seedly Travel Secure

SingSaver's Exclusive Offer
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$10,000

Premium

S$ 34.08 (S$11.36/day)

50% offOriginal Price S$ 68.15
Directly on SingSaver

Allianz Travel Insurance Platinum Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 36.12 (S$12.04/day)

57% offOriginal Price S$ 84.00

MSIG Standard Pre-Ex Plan (For Pre-existing Conditions)

Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$175,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 38.00 (S$12.67/day)

Directly on SingSaver

Allied World Travel Protector Premier

Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 39.20 (S$13.07/day)

30% offOriginal Price S$ 56.00

HLAS COVIDSafe Travel Protect360 Superior

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$12,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$7,000

Premium

S$ 40.15 (S$13.38/day)

45% offOriginal Price S$ 73.00
Directly on SingSaver

AIG Travel Guard® Direct - Standard

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 43.00 (S$14.33/day)

MSIG Premier Plan

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$7,500

Premium

S$ 44.40 (S$14.80/day)

40% offOriginal Price S$ 74.00
Directly on SingSaver

Singlife Travel Prestige

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$20,000

Medical Coverage (Overseas)
Unlimited

Bags & Belongings Coverage
S$8,000

Premium

S$ 44.58 (S$14.86/day)

25% offOriginal Price S$ 59.44

TM Xplora Plus Classic

Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$10,000

Premium

S$ 47.00 (S$15.67/day)

SOMPO Travel Insurance (Superior)

Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$400,000

Bags & Belongings Coverage
S$1,000

Premium

S$ 48.00 (S$16.00/day)

Great Eastern TravelSmart Premier Elite

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 48.00 (S$16.00/day)

20% offOriginal Price S$ 60.00

MSIG Elite Pre-Ex Plan (For Pre-existing Conditions)

Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$250,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 50.00 (S$16.67/day)

Directly on SingSaver

AIG Travel Guard® Direct - Enhanced

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 52.00 (S$17.33/day)

TM Xplora Plus Premier

Cancellation coverage
S$20,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$15,000

Premium

S$ 57.00 (S$19.00/day)

MSIG Premier Pre-Ex Plan (For Pre-existing Conditions)

Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$350,000

Bags & Belongings Coverage
S$7,500

Premium

S$ 68.00 (S$22.67/day)

Directly on SingSaver

AIG Travel Guard® Direct - Supreme

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$2,500,000

Bags & Belongings Coverage
S$10,000

Premium

S$ 77.00 (S$25.67/day)

SingSaver Explains: Top 6 Tips on Travel Insurance

Watch these key tips on how to protect your holiday or business trip with the right travel insurance plan.

Compare The Best Travel Insurance Plans 2024 by Insurance Provider

Insurance Provider

Best For

Medical Coverage (Overseas)

Trip Cancellation Coverage

Loss or Damage Baggage

Starr TraveLead Essential with COVID-19 Coverage (Bronze Plan)

Coverage Customisation

S$200,000

S$0

S$0

MSIG TravelEasy

Pre-Ex

Pre-existing medical conditions, sports/adventures

S$250,000

S$5,000

S$3,000

TIQ Travel Entry

Family plans, Hospital Allowance

S$200,000

S$5,000

S$2,000

FWD Premium

(COVID-19 rider available)

Budget single trip plan, Emergencies

S$200,000

S$7,500

S$3,000

AIG Travel Guard Direct (Standard)

COVID-19 Overseas Medical related expenses

$200,000

$5,000

$3,000

Allianz Travel Comprehensive

High medical coverage

S$200,000

S$5,000

S$3,000

Singlife Travel Lite

Protection of your frequent flyer points, Overseas wedding & photoshoot

S$250,000

S$5,000

S$3,000

HLAS COVIDSafe Travel Protect360 Premier

(New Product Listing)

Trip alteration

S$200,000

Reimbursed with up to $1,500 when you are quarantined overseas

S$3,000

Travel Delay Coverage of $100 for every 6 hours up to $1,000

$100 for every 6 hours up to $1,500

Sompo Travel (COVID-19) Insurance

Baggage delay

S$200,000

S$5,000

S$1,000

Allied World Travel Protector Plan 1

Comprehensive bonus benefits

S$200,000

S$5,000

S$3,000


How Do I Choose The Best Travel Insurance?

Travelling can be an exciting experience but it can also be an expensive one seeing as how there are many uncertainties and potential risks that are involved with going abroad. It is important that you have the best travel insurance coverage to protect you and your trip. With the abundance in availability for travel insurance plans in Singapore, it is only right you know what to look at when picking the most suitable travel insurance plans for you. Here are some of the things you might want to consider before deciding on your choice of travel insurance plans.

Understand and Evaluate the Overall Coverage

It is important to evaluate the overall coverage offered by a policy. This includes looking at the types of incidents covered, such as medical emergencies, lost or stolen baggage or belongings and trip cancellations. These are just some of the few things you will need to look at in order to determine whether a travel insurance plan best serves your needs.

Compare the Costs

In order to find the best value, you should always compare the costs of different policies. The things you need to look at and consider are the premiums and any form of deductables or co-payments. Please also bear in mind that the costs will vary depending on the length and type of trip you are taking. Ensuring you are aware of all the costs will help you in finding the most suitable plan for you.

Coverage for Risky Activities

If you are planning for an adventure that includes sports or extreme excursions, ensure that your travel insurance provides sufficient coverage for the types of activities that you will engage in. When it comes to indulging in risky activities during your travels, some travel insurance providers will exclude specific activities from coverage whilst some will charge extra premium in order to provide the coverage.

Take Into Account Your Trip Duration

The duration of your trip also may impact the suitability of the travel insurance policy. Some insurance providers only provide coverage for a limited period of time and it varies between the different providers. You have to ensure that the insurance plan you are applying for provides coverage for the whole duration of your trip.

Check for 24/7 Assistance

Having access to round-the-clock 24/7 assistance is especially useful when you're faced with an emergency while travelling abroad. Do check if the travel insurance provider of your policy provides such services so you can get any queries you have answered as quickly as possible.

Understand the Fine Print

Be sure to thoroughly read the terms and conditions of the travel insurance policy you're applying for. Pay close attention to any special restrictions, exclusions or conditions that may apply to you and your travelling itinerary as it might impact the coverage or cost of the policy.

Be Aware of any Exclusions

Check for any exclusion in the policy of your choice. These exclusions may apply to dangerous activities, pre-existing medical conditions, natural disasters. Depending on the nature of your trip, do ensure that you are not excluded from any coverage that you require.

The Reputation of the Insurance Provider

Look for online reviews or talk to the people around you to understand if the services provided by the insurance provider is up to standard. Some things you need to find out are the speed of processing, the customer service and also the cost and coverage provided by the travel insurance provider to ensure your trip is as hassle-free as possible even if something undesirable happens.

Your Age and Health

The status of your age and health might play a role in the amount of coverage your travel insurance plan provides and also the costs. Pre-existing medical conditions or travellers of a certain age may mean you are at a higher risk of incidents.

Look out for Travel Insurance Packaged Deals

Travel insurance providers typically offer packaged deals for travel insurance policies which offers multiple types of coverage which includes medical insurance, trip cancellation insurance and travel interruption insurance. These deals allow you to get a more comprehensive coverage at a cheaper cost as opposed to picking and choosing the types of coverage you need.


Why is Travel Insurance Important?

Travel insurance is important because situations around the world have become a lot more fluid since the COVID-19 pandemic. With the world becoming increasingly connected, many of us are travelling much more than earlier decades, whether for business or leisure. This also makes us vulnerable to unforeseen circumstances when we’re overseas. In times of uncertainty such as calamities or civil commotions, having travel insurance makes navigating such difficult situations a little easier.


What is Travel Insurance and How Does it Work?

Travel insurance is a type of insurance that protects travellers from unexpected costs incurred due to travel-related events.

 Like all other insurance products, travel insurance helps us manage risk by reducing the amount you have to pay out of your own pocket should something unforeseen happen. The most common risks associated with travelling include flight delays, diversions or cancellations (which may force you to look for your own accommodation and meals), loss/theft of personal items, lost or damaged baggage during transit and medical costs in the case of accidents or sickness. 

 There are also scenarios that could increase your risks, such as:

  • Doing outdoor activities such as surfing, hiking, skydiving and more
  • Travelling in a group or with elderly
  • Renting a vehicle for a road trip
  • Travelling to less developed countries

In the wake of the COVID-19 pandemic, it’s also recommended to purchase policies with COVID-19 coverage to financially protect you should you need to receive COVID-19-related medical treatment or hospitalisation while overseas.

 It is not mandatory for travellers from Singapore to purchase travel insurance, but it does help to give peace of mind when unexpected or unprecedented travel disruptions happen


Types of Travel Insurance Coverage

The different types of travel insurance coverage in Singapore are tailored to meet the needs of different travellers. From "single trip insurance" for occasional travellers to "annual travel insurance" for frequent flyers, there is a policy to suit every itinerary. For families, "single and family travel insurance" plans provide comprehensive coverage for all family members during their travels. It is important to understand the different coverage options available to make an informed decision on which travel insurance to buy, and ensure that you are fully protected during your travels in and out of Singapore.

Single Trip Insurance

Single trip insurance is the best option for travellers who are taking only one trip as it provides coverage for a specified number of days, typically a period of 180 or 182 days, and the plan can be customized to meet your own needs. Single trip insurance makes perfect economic sense for those who don't travel often but it might not make sense for those who travel very often as it might require a frequent traveller to spend too much applying for the many travel insurance plans for each of their travels.

Annual Multi-trip Travel Insurance

Annual multi-trip travel insurance is a travel insurance policy that covers you for multiple trips in a single year. This makes it the best option for those that travel frequently as you don't have to purchase a new insurance plan each time you travel.

Individual Travel Insurance Plan

An individual travel insurance plan is a policy designed for individuals travelling domestically or internationally. So if you are travelling solo or purchasing insurance for your own self then you probably should apply for an individual travel insurance plan.

Family Travel Insurance Plans

Family travel insurance plans are comprehensive insurance policies designed to protect families travelling domestically or internationally. This type of travel insurance plan is perfect if you are travelling as a group with your family members - subjected to the maximum number of adults and children to be covered under the insurance plan. This makes it a more cost-effective way to ensure all your family members have sufficient travel insurance coverage.


Find and Compare the Best Travel Insurance in Singapore for 2024

Still got no clue which travel insurance to buy? Discover the right travel insurance plan that fits your travel needs, giving you peace of mind for your holiday or business trip! Choose from single or annual trip insurance plans, catered to your specific needs whether it be the cheapest travel insurance plans or one with the most comprehensive coverage. SingSaver is your one-stop shop for everything travel insurance so compare your options using our useful tables and read our travel insurance guides to help you make the most informed decisions for a worry-free trip!

Best Travel Insurance Plans in Singapore for each Benefit

Benefit

Provider/Plan

Premium

Best comprehensive coverage

Singlife travel insurance plans

From SS$47

Best medical coverage

Singlife travel insurance plans

From S$33

Best affordability (Lowest premiums)

FWD travel insurance plans

From S$17

Best flight diversion/cancellation/postponement

Tiq travel insurance plans

From S$21

Best baggage loss coverage

AIG Travel Guard plans

From S$23

Best natural disaster coverage

Singlife travel insurance plans

From S$47

Best for adventure activities and extreme sports

Tiq travel insurance plans

From S$21

Best for pre-existing conditions

MSIG TravelEasy Pre-Ex plans

From S$38

Best for frequent travellers

AIG Travel Guard annual multi-trip plans

From S$489

Best for pregnant travellers

MSIG TravelEasy Pre-Ex plans

From S$38

Best for family travellers

DirectAsia travel insurance plans

From S$25

Best COVID-19 coverage

Allianz travel insurance plans

From S$33

Best cancellation for any reason coverage

FWD travel insurance plans

From S$17

Best for rental vehicle excess

Singlife travel insurance plans

From S$47

Best cruise coverage

Starr TraveLead plans

From S$29

Best Travel Insurance (with COVID-19 Coverage) Plans in 2024

Want to be extra careful with insuring you or your travel companions against COVID-19 while on the road or in the air? Here are the best travel insurance plans with COVID-19 coverage in Singapore to help you make the right choice!

Travel Insurance Plan

Highlights

Premium (Before Discount)

MSIG TravelEasy

– Up to S$200,000 medical coverage

– Up to S$3,000 travel inconvenience coverage for COVID-19

From S$42.00

Tiq Travel Insurance

– Overseas COVID-19 related medical expenses of up to S$300,000

– COVID-19 trip-related cancellation of up to S$5,000

– Overseas quarantine allowance of up to S$1,500 (S$100/24 hours)

From S$14.00 (The price here is for the COVID-19 Rider only)

Starr TraveLead Travel Insurance

– Overseas COVID-19 related medical expenses of up to S$100,000

– COVID-19 trip-related cancellation/curtailment of up to S$1,000

From S$15.00

HLAS CovidSafe Travel Protect 360

– Medical expenses coverage of up to S$100,000

– Reimbursement of up to S$2,000 for trip cancellation or curtailment

– Hospital Cash Benefit of up to S$2,000Unlimited coverage for emergency evacuation and repatriation for Superior and Enhanced plans

From S$50.00

AIG Travel Guard

– Medical expenses coverage of up to S$250,000

– Up to S$7,500 for trip cancellations or early return

– Overseas quarantine allowance of up to S$100 a day

From S$30.00

FWD Travel Insurance — COVID-19 Rider

– Only applicable for COVID-19 rider add-on

– Up to S$200,000 for medical expenses

– S$100 local or overseas hospitalisation cash per day

– Up to S$5,000 for trip cancellation

From S$16.97 (The price here is for the COVID-19 Rider only)

Singlife Travel Insurance

– Up to S$200,000 coverage for overseas medical expenses

– Up to S$100 per day for overseas quarantine, up to S$2,000

– Up to S$2,000 reimbursement for trip cancellation or postponement

From S$30.07

Allianz Travel Insurance

– Up to S$1 million for your emergency medical and dental expenses for the Platinum plan (ages 69 years and below)

– Up to S$15,000 for trip cancellations or disruptions

From S$64.00

Sompo Travel (COVID-19) Insurance

– Up to S$200,000 coverage for overseas medical expenses

– Up to S$4,000 travel postponement/cancellation coverage 

– Up to S$1,400 quarantine allowance

For policies issued on or after 20 July 2022, full vaccination is not required if the traveller fulfils the destination country’s requirements and are not in breach of any government regulations. Travellers will only need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test if it’s a requirement by the destination country.

From S$40.00

Allied World Travel Protector

– Up to S$250,000 coverage for overseas medical expenses

– Up to S$5,000 travel postponement/cancellation coverage 

– Up to S$3,000 quarantine allowance

– Automatic extension of cover

From S$45.00

Premium plans are based on a basic tiered single travel insurance for a five-day trip to Brunei (ASEAN Region). The coverage also differs according to different tiered plans. Do note that FWD is the only insurer that offers COVID-19 coverage in the form of an additional rider; the rest of the providers offer plans with built-in coverage.


What types of COVID-19 coverage should I look out for when buying travel insurance?

COVID-19-related medical coverage

This includes expenses for medical treatment if you contract COVID-19 while travelling. It's vital to check the limits and conditions to ensure they meet your needs, especially in countries with high medical costs.

COVID-19-related overseas hospital cash

Some policies offer daily cash benefits if you're hospitalised abroad due to COVID-19, providing financial relief during a stressful period. This can help cover incidental costs or lost travel opportunities.

COVID-19-related trip cancellation or postponement

Seek policies that cover cancellation or postponement costs due to COVID-19, such as positive test results before departure or travel bans. This can save you significant financial loss on pre-booked arrangements.

COVID-19-related emergency medical evacuation/repatriation

In severe cases, you may require medical evacuation or repatriation. Ensure your policy includes coverage for such scenarios linked to COVID-19 to avoid overwhelming expenses.


Common Exclusions from COVID-19 Coverage

Pre-Existing conditions

Most travel insurance policies exclude coverage for pre-existing conditions, including those related to COVID-19. It's crucial to understand these exclusions before purchasing a policy to ensure you won’t be left in the lurch should anything unexpected happen.

Replacement of traveller or employee before departure

Costs associated with replacing a traveller or employee before departure due to COVID-19 related issues are typically not covered. If you are purchasing a policy as or for an employee, it’s best to consult your company’s HR department for more information on financial protection while overseas or travelling.

Extreme sports/professional or competitive sports

Activities deemed high-risk, such as extreme or professional sports, are usually excluded from COVID-19 coverage, along with other standard policy exclusions.

Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)

Travel undertaken against the advice or restrictions of governments or public authorities, except under specific COVID-19 circumstances outlined in your policy, will not be covered.


How Do Travel Insurance Claims Work

Most insurers now offer an online claims platform. This saves you the hassle of having to make claims in person at the branch office. To get your claims processed quickly, follow these 7 steps for faster travel insurance claims. Be sure to document as many details as possible and keep the original receipts and reports from police, hospitals, airlines, hotels etc. Lastly, always provide proof of travel – the stamp in your passport would usually suffice.


When Can You Make A Travel Insurance Claim

Below are some common scenarios where you will need to provide documentation when submitting a travel insurance claim:

  • Travel disruption / cancellation - Written proof of the delay/cancellation from your airline, hotel or travel agent such as an email or message will be needed to claim for travel disruption.
  • Lost / Damaged Personal Belongings - Submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable).
  • Emergency assistance - It’s a good practice to save your insurer’s emergency assistance hotline and your policy details to your phone before travelling. In the event of an emergency, contact your insurer with your policy number to arrange for help.
  • Personal accident/medical expenses - Keep all original receipts, your medical report, and a police report where applicable. File your claim as soon as you’ve returned to Singapore. You may need to submit the original documents by mail.

How To Submit Your Travel Insurance Claim

Report The Incident To Your Insurance Providers

It is important that you inform your travel insurance provider as soon as possible upon the time of incident as it will allow them to start processing your claim and provide you with all the required assistance without any delays. Although most travel insurance providers claims to be made within 30 days via the available channels, it is receommended that you not wait too long.

Gather All Your Relevant Documents

To ensure your claims process is as efficient as possible, do remember to gather all the relevant documents that support you claim. Some of the things you might require are:

  • NRIC, FIN No. or other official forms of ID
  • Proof of trip such as tickets, receipts, boarding passes, photocopy of passports and visas
  • Reports or documents from the airline or relevant authority acknowledging the loss of baggage
  • Medical reports or any related evidence in the form of photos and/or emails
  • Proof of ownership of lost baggage and items

Submit Your Claim

Upon gathering all necessary documents, promptly submit your claim to the travel insurance companies. Most travel insurance companies offer the option of submitting claims via online means or in person - whichever is most convenient for you.

Wait for Review

After your claim has been submitted, the insurance company will do a review of your claim submission to determine your eligibility for coverage. This process may take several days to a few weeks depending on the complexity and severity of your case. Ensure you are contactable throughout this period as your travel insurance provider might contact you for further clarification.


Best Travel Insurance Recommendations For You

From when and where to buy your travel insurance to how it all works, our trusty SingSaver guides and tips are here to ensure you have the most fuss-free and enjoyable time during your travels.


Travel Insurance Reviews

Read reviews and compare between the different travel insurance providers and plans to help you find the best and most suitable one for you. Find the best and most suitable travel insurance from providers such as FWD, Allianz, Singlife and more.


Travel Guides and Tips

Now that you’ve got your travel insurance settled, it’s time to plan the rest of your trip! Discover new destinations and old favourites with our travel guides and itineraries, plus essential travel tips to help you make memories you’ll never forget.


Frequently Asked Questions For Travel Insurance

How to get travel insurance coverage for COVID-19?

You can get COVID-19 coverage for travel insurance by checking the insurer’s policy wording before purchasing. Generally, travel insurance policies cover you if your trip cancellation/ disruption is made due to an unforeseen event. However, insurance companies now consider COVID-19 to be a known event and hence might not provide coverage for any trip cancellation/ disruption claims arising from the COVID-19.

Will I be able to cancel my trip and get a refund if I tested positive for COVID-19 after purchasing my travel insurance?

Most insurance companies cover trip cancellation/medical expenses/quarantine allowance due to COVID-19. The coverage is either embedded in the policy or can be purchased separately as an add-on.

 To claim for trip expenses, you will need a written proof from the service provider stating the confirmation on the cost of non-refundable travel expenses and present with supporting documents such as medical or death certificate.

Can travel insurance be extended?

Most insurers allow for Automatic Extensions of your travel insurance coverage but this could vary from insurer to insurer.

 Where your insurance cover will automatically be extended without additional premium, under certain conditions (such as if you are hospitalised or placed under compulsory quarantine while overseas upon the written advice of a doctor).

Otherwise, you will need to inform the insurer of the extension as soon as possible (for example, if you extend your travel dates). For some insurers, it is possible for your travel insurance to be extended, provided there are no known circumstances or events that are likely to lead to a claim. This will come with additional premiums.

Is it cheaper to get a Group or Family travel insurance policy?

Generally it is more cost-efficient to purchase a Group or Family travel insurance policy compared to several individual policies. This depends on how individual insurers define “Family” – check for limitations related to the maximum number of children allowed, or whether grandparents are eligible. Regardless, always check the cumulative limits for items like damage/loss of belongings and medical coverage.

Can I buy travel insurance if I am already overseas?

Once you’re overseas, you won't be able to buy travel insurance so you will need to purchase your plan before leaving Singapore for your overseas trip. Insurers are unlikely to cover you if you purchase travel insurance after your trip begins. For example, insurers such as AXA, Aviva, and AllianzTravel state on their website that the travel insurance has to be purchased before departing Singapore.

Can foreigners buy travel insurance in Singapore?

There are specific insurers that offer foreigners travel insurance. Foreigners in Singapore can buy travel insurance from NTUC Income, FWD, Etiqa, Sompo, Allianz, AXA and AIG. You will need to provide your FIN and show your employment pass or work permit when applying.

Is travel insurance mandatory for outbound travellers from Singapore?

While travel insurance is not mandatory for outbound travellers from Singapore, the Ministry of Foreign Affairs has advised travellers to check the COVID-19 entry requirements of the countries that you intend to visit.

Is travel insurance worth the cost?

Depending on the insurer, travel insurance policies typically provide the following coverage:

  • COVID-19 Coverage
  • Personal accident
  • Medical expenses (Overseas and Local)
  • Travel delay/diversion
  • Baggage delay/damage
  • Trip cancellation
  • Overbooked flight
  • Loss of travel documents such as your passport and visa
  • Emergency medical evacuation and repatriation
  • Loss of personal belongings
  • Terrorism
  • Adventurous activities

All together, this means a comprehensive financial safety net should anything unexpected happen while you’re overseas. There are also add-ons you can add to the travel insurance, such as coverage for your sports equipment, overseas wedding and photoshoot, rental vehicle excess cover and more.

 Most travel insurance policies cover the loss of travel documents. The policy will cover the cost to replace these documents as well as the transport expenses incurred during the process.

 You must report the loss to the local police within 24 hours after the incident and obtain a written statement from them which will help with the claims. You should also report your lost passport to the nearest Singapore Overseas Mission immediately.

When should I buy an annual or single plan travel insurance?

Whether you should buy an annual or single travel insurance plan depends on your specific needs and financial situation. Some factors to consider when making a decision include:

  • Budget: An annual plan can often be more cost-effective in the long run, as the cost is spread out over the course of a year. However, it also requires a larger upfront payment.
  • Usage: If you're likely to use a service frequently, an annual plan may make more sense, as you'll get more value for your money. On the other hand, if you only need the service occasionally, a single plan may be a better option.
  • Flexibility: Annual plans typically have a commitment, meaning you'll have to pay for the entire year, even if you stop using the service. Single plans, on the other hand, can be more flexible, allowing you to buy only what you need, when you need it.
  • Discounts: Some companies offer discounts for customers who choose to buy an annual plan. If you're interested in a service and plan to use it frequently, it may be worth checking if an annual plan comes with any discounts.

Ultimately, the decision between an annual or single plan will depend on your individual needs and budget. It's important to weigh the pros and cons of each option carefully before making a decision.

Should I still be concerned about COVID-19 in 2024?

Yes, while vaccination and global efforts have reduced the impact of COVID-19, it remains a concern, especially with the possibility of new variants. Ensuring your travel insurance includes COVID-19 coverage is still advisable.

Are vaccinated travel lanes (VTL) still a thing in 2024?

The concept of Vaccinated Travel Lanes (VTL) has evolved, with many countries streamlining entry processes for vaccinated travellers. Always check the latest travel advisories for up-to-date information.

Do I still need COVID-19 coverage if I’m fully vaccinated?

Absolutely. Even if you're fully vaccinated, you're not immune to contracting or spreading COVID-19. Comprehensive travel insurance with COVID-19 coverage is essential for all travellers.

What are the best travel insurance for East and Southeast Asia countries?

There is no one singular ‘best’ travel insurance for East or Southeast Asian countries. The suitability of a travel insurance plan will depend on many factors including the length and duration of the trip, pre-existing medical conditions, whether you’re travelling solo or in a group/family, and whether you intend to do any road trips or extreme sports while abroad. To help you get started, you can consult our insurance guides on some of the most common destinations in East and Southeast Asia for Singaporeans:

What are the differences between family travel insurance plans and group travel insurance plans?

Family travel insurance plans are designed to cover family members travelling together, often offering discounts and shared benefits. Group travel insurance, meanwhile, caters to non-familial groups, providing a collective coverage option for travellers.

What's the difference between single-trip or annual multi-trip travel insurance?

Single-trip travel insurance covers one specific journey, ideal for occasional travellers. Whereas annual multi-trip insurance covers multiple trips within a year, perfect for frequent travellers and offering convenience and potentially significant savings.

When is it too late to get travel insurance?

It's too late to purchase travel insurance once an event you wish to be covered for has occurred. Ideally, buy your policy soon after booking your trip to ensure coverage for pre-departure issues, including those related to COVID-19. You should also purchase your policy before departing Singapore, as many insurers will not issue a policy to you if you have already left the country.