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Best Travel Insurance Plans With COVID-19 Coverage (2024)

These travel insurance plans provide coverage for COVID-19 to keep you and your travel mates safe.

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Best Travel Insurance Plans With COVID-19 Coverage (2024)

Overview of Travel Insurance Plans for COVID-19 Coverage

Product

Highlights

Premium (For 5 days in ASEAN, before discount)

Buy
Tiq Travel Luxury
Tiq Travel Luxury

- 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)

- Offers coverage for Cruise To Nowhere

    
From S$14 (for COIVID-19 rider only)

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

- Overseas COVID-19 related medical expenses of up to S$65,000

- COVID-19 trip-related cancellation/curtailment of up to S$500

    
From S$18

FWD Premium
FWD Premium

- Only applicable as COVID-19 rider add-on

- Up to S$200,000 for medical expenses

- S$100 local 0r overseas hospitalisation cash per day for 14 days

- Up to S$5,000 for trip cancellation

    
From S$10 (for COVID-19 rider only)

MSIG Premier Plan
MSIG Premier Plan

- Up to S$250,000 for COVID-19 medical coverage

- Up to S$5,000 travel inconvenience coverage for COVID-19

- Up to S$100 per day COVID-19 quarantine benefit, up to S$1,400

    
From S$50

Allianz Travel Insurance Platinum Plan
Allianz Travel Insurance Platinum Plan

- Up to S$1 million for overseas emergency medical (including COVID-10 related expenses)

- Up to S$2,500 for local medical expenses for COVID-19

- Up to S$10,000 for trip cancellations or disruptions (including COVID-19 related expenses)

    
From S$43

Seedly Travel Secure
Seedly Travel Secure
- Up to S$500,000 overseas medical expenses (including COVID-19)
- Up to S$500 per trip for Traditional Chinese Medicine treatment for COVID-19
From S$35.88
Singlife Travel Prestige
Singlife Travel Prestige

- Up to S$200,000 coverage for COVID-19 related 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$37.32

Great Eastern TravelSmart Premier Classic
Great Eastern TravelSmart Premier Classic

- Up to S$150,000 for COVID-19 related overseas medical expenses

- Automatic cover extension up to 30 days for COVID-19 (Elite and Classic tiers only)

- Up to $5,000 coverage for trip cancellations

- Up to S$100 per day hospitalisation benefit and quarantine benefit for COVID-19, up to 14 days

    
From S$65

AIG Travel Guard® Direct - Supreme
AIG Travel Guard® Direct - Supreme

- COVID-19 related 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 for 14 days

    
From S$38

Allianz Travel Hero - Worldwide
Allianz Travel Hero - Worldwide
- Up to S$500,000 overseas medical expenses coverage (including COVID-19)

- Up to S$15,000 for trip cancellations (including COVID-19)
From S$20

 

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



1. Starr TraveLead Travel Insurance

If you’re in need of that long-awaited vacation but scared that you might contract COVID-19 abroad, let Starr TraveLead put your mind at ease. With three tiers to choose from — Bronze, Silver and Gold — you have the flexibility of choosing the level of coverage you need. Within each tier of plans, you can also customise your coverage further.

At the Gold tier, you’ll have up to S$65,000 of medical expenses covered if you contract COVID-19. If your trip is cancelled due to the diagnosis of COVID-19, you’ll also get coverage of up to S$500 for the Gold tier.

 

 SingSaver's Starr TraveLead Exclusive Promotion:  Get an exclusive 45% discount when you use promo code SS45 and receive an Airalo eSim with up to 3GB data (min premium of S$60). Valid till 31 March 2024. T&Cs apply. Additionally, receive an Apple AirTag (worth S$45) with no minimum premium. Valid till 25 March 2024 8:59 AM.

 

Moreover, enjoy additional coverage by adding Trip or Baggage coverage for an absolute peace of mind. Moreover, enjoy additional coverage by adding Trop or Baggage coverage for an absolute peace of mind. This added feature ensures you won't be left stranded without essentials or incur extra hotel stays waiting for the next available transportation back home.

Increase COVID-19 medical expenses coverage and protection against trip cancellations due to COVID-19 when you select either the Gold or Silver plans. T&Cs apply.


2. MSIG TravelEasy

MSIG TravelEasy offers three tiers of plans — Standard, Elite and Premier, with the Premier plan offering the highest coverage.

There are sub-limits for different age groups in terms of COVID-19 medical expenses overseas, with up to S$250,000 coverage if you purchase the Premier plan.

Travel cancellation and postponement are bound to happen if you or a family member is unexpectedly down with COVID-19. Thankfully, MSIG TravelEasy offers up to S$5,000 travel cancellation coverage as a form of reimbursement.

Regardless of the plan type you purchase, you have access to medical and travel assistance services that you may urgently require. Prices start from S$50 as well, ensuring that you receive decent coverage without having to break the bank.

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Get up to 40% off and receive up to $40 Grab Voucher when you buy NOW! Valid till 31 March 2024. Also receive an Apple AirTag (worth S$45) with no minimum premium. Valid till 25 March 2024 8:59 AM.

 

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.


3. Allianz Travel Insurance 

For the Allianz travel insurance, there are also three plans you can choose from — Bronze, Silver and Platinum, with Platinum offering the highest coverage. 

If you purchase the Platinum plan and contract COVID-19 abroad, you’ll have up to S$1 million coverage for your emergency medical and dental expenses (for ages 69 years and below). This is the highest coverage in the list thus far. There’s also unlimited coverage for emergency transportation, if needed. When you return back to Singapore, there's also coverage of up to S$2,500 for COVID-19 medical expenses.

Any trip cancellations or interruptions due to COVID-19 will get you a reimbursement of up to S$10,000 (includive of general trip cancellation coverage) for the highest tier plan.

SingSaver's Allianz Travel Insurance Exclusive Promotion: Use promo code SSVAZ to get 57% discount when you apply now! Valid till 31 March 2024. T&Cs apply. Additionally, receive an Apple AirTag (worth S$45) with no minimum premium. Valid till 25 March 2024 8:59 AM.

 

Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.


 

4. FWD Travel Insurance - COVID-19 Rider

Of all the plans listed here, the FWD travel insurance is one of the few that gives you access to COVID-19 benefits only if you add on the COVID-19 rider, while the benefits are all the same regardless of the tier of the travel insurance plan that you choose.

For medical expenses coverage, this plan may not have the highest coverage as it only covers up to S$200,000 for medical expenses if you are hospitalised either overseas or after returning to Singapore. You’ll also get a hospital cash allowance of S$100 per day for up to 14 days if you’re hospitalised overseas or locally due to COVID-19. 

There is also a quarantine benefit of up to S$50 per day, up to 14 days due to COVID-19.

This rider thankfully covers trip cancellation and loss of deposit. You can get up to S$5,000  if you have to cancel your trip within 30 days of the departure date. This also includes close contact cover.


 

SingSaver's Exclusive FWD Promotion: Use the promo code FWDTRAVEL to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 20 March 2024. Plus, receive an Apple AirTag (worth S$45) with no minimum premium required. Valid till 25 March 2024 8:59 AM. uy now to receive

  • 8 Max Miles on Heymax for every dollar spent on your premium (transferrable to 20+ popular airline or hotel partners at 1:1 ratio). Learn more about Max Miles . Valid till 24 March 2024.
  • OR a 1GB Airalo eSIM before you fly. Valid till 24 March 2024.
 
 

 

5.Tiq Travel Insurance

As the newest addition to the list, Tiq travel insurance is finally offering COVID-19 coverage, albeit as an add-on rider. The rider comes in three tiers — entry, savvy and luxury, based on the coverage tier you opt for.

The highest tier coverage gives you up to S$300,000 medical coverage for COVID-19 incurred overseas, as well as up to S$5,000 coverage for trip cancellation and loss of deposit. If your trip is postponed, you are insured up to S$1,500.

On top of that, there is also a quarantine allowance of up to S$1,500, S$100 for every 24 hours, and up to S$500,000 emergency medical evacuation & repatriation to Singapore. It now also offers coverage for Cruise To Nowhere. For hospitalisation in Singapore after returning back from your trip, you get a payout of up to S$300.

Since the COVID-19 coverage is only available as a rider, you'll just have to top up an affordable amount to enjoy the benefits offered, to grant you a peace of mind for you and your loved ones.

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 47% off  and receive an Apple AirTag (worth S$45) with no minimum premium. Valid till 25 March 2024 8:59 AM.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.


6. Seedly Travel Insurance

 

seedly TI logo

Seedly Travel Insurance has two types of plans — Safe and Secure, with Secure being the highest tier-ed plan. If you choose the Seedly Travel Secure plam, you'll get up to S$500,000 coverage for overseas medical expenses, including COVID-19. The great thing about this plan is that they also offer coverage if you decide to receive Traditional Chinese Medicine (TCM) treatment, offering u to S$500 per trip, up to S$100 per visit.

Aside from that, this plan is also suited for families with children. Not only does it offer complimentary coverage of up to 4 children when you purchase the Family Plan, but it also offers a Child Support Grant of up to S$30,000, up to S$6,000 per child, and a Child Companion Benefit of up t S$10,000, allowing an adult to fly from Singapore to the destination to accomany the child in the unfortunate event of the insured is injured or hospitalised overseas wile travelling with a child.

SingSaver Exclusive Promotion: Enjoy 50% off when you buy NOW. Also receive:

 
  • An Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 25 March 2024 8:59 AM.
  • 1x 3GB Airalo eSIM before you fly with no minimum premium.

  • Up to $50 worth of Grab Vouchers. Valid till 31 Mar 2024.
  • A chance to win an Apple iPhone 15 128GB (worth S$1,311) Valid till 31 March 2024. T&Cs apply.


 

 

 

 


7. Singlife Travel Insurance

Singlife Logo - Red on White - Horizontal

Singlife travel insurance has three plans that you can choose from — Lite, Plus and Prestige. If you’re comparing overseas medical expenses, the Prestige plan covers up to S$200,000, the Plus plan S$100,000 and S$50,000 for the Lite plan if you get COVID-19. For the highest Prestige tier, you have unlimited coverage for emergency medical evacuation and repatriation.

They also provide an overseas quarantine allowance of up to S$100 per day, and up to S$2,000 for the Prestige plan, while the Plus plan offers S$50 per day up to S$1,000. The Lite plan does not offer any coverage.

For any trip cancellation, postponement or interruption, the Prestige plan will cover you up to S$2,000, while the Plus plan reimburses you up to S$1,500 and the Lite plan offers S$500.

Singlife also recently rolled out their new rainfall protection that provides a payout of up to S$150 should your trip be affected by excessive rainfall. This is applicable only for single trips (minimum 3 days) where more than 50% of the trip duration is affected by rainfall levels of >6.4mm in a 24-hour period. 

 

Singlife Travel Insurance Promotion:

Receive an Apple AirTag (worth S$45) with no minimum premium required. Valid till 25 March 2024 8:59 AM. uy now to receive

  • 8 Max Miles on Heymax for every dollar spent on your premium (transferrable to 20+ popular airline or hotel partners at 1:1 ratio). Learn more about Max Miles . Valid till 24 March 2024.
  • OR a 3GB Airalo eSIM before you fly. Valid till 24 March 2024.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 31 March 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL20 to get 20% off Annual Trip plans and get up to SGD 100 UNIQGIFT Vouchers from Singlife. Valid till 31 March 2024. T&Cs apply.

 
 

 



8. Allied World Travel Protector

allied world logo

Allied World Travel Insurance offers three tiers of coverage — Classic (Plan 1), Superior (Plan 2) and Premier (Plan 3). While their plans do not have COVID-19 coverage as a default, you can opt for it as a rider.

Their COVID-19 coverage is pretty decent. If you opt for the Premier plan, you'll get up to S$250,000 of coverage for any overseas medical expenses due to COVID-19, up to S$6,000 in claims for any trip cancellation or curtailment due to the infection, and up to S$500,000 coverage for COVID-19-related medical evacuation or repatriation. 

If you are hospitalised overseas, you'll also receive a hospitalisation allowance of S$250 for every 24 hours of hospitalisation. You can claim up to S$1,000 for the Classic Plan, S$1,500 for the Superior Plan and S$2,000 for the Premier Plan. You'll even receive a local hospitalisation allowance of S$100 for every 24 hours in Singapore.

For more information, you can refer to their product brochure.

 

 

Singsaver Exclusive Allied World Travel Insurance Promo: Enjoy a 30% discount for Single Trip and a 10% discount for Annual Trip when you buy now! Valid till 24 Mar 2024.


9. AIG Travel Guard® Direct

Know why AIG Travel Guard® Direct stands out from the rest? It gives you the most flexibility to choose the kind of coverage you want, as it allows you to choose from the four plans that they provide — Basic, Standard, Enhanced and Supreme.

On top of that, it has the second-highest reimbursement coverage on the list for trip cancellations. If your trip is cancelled, or if you have to return to Singapore earlier due to you or a family member contracting COVID-19, you can get a reimbursement of up to S$7,500. If your trip is altered pre-departure due to you or your relative being diagnosed with COVID-19, you are covered for up to S$1,500 under the Supreme plan.

In terms of overseas medical expenses, you’ll get very decent coverage of up to S$250,000 with the Supreme plan, while the lowest-tier Basic plan covers you for up to S$50,000.

For quarantine orders abroad, you’ll receive an allowance of S$100 a day for up to 14 consecutive days under the Supreme plan and Enhanced plan, and S$50 a day for the Basic and Standard plan.

SingSaver's Exclusive AIG Travel Guard® Direct Promotion:

Single Trip: Receive up to S$68 PayNow and when you buy NOW! (minimum premium of $80). Valid till 31 March 2024.

Annual Trip:  Receive $188 PayNow when you apply NOW! (minimum premium of $650). Valid till 31 March 2024. T&Cs apply.

 

10. Sompo Travel (COVID-19) Insurance

Sompo Travel COVID-19 Insurance offers two plans with different levels of coverage — the Essential Plan offers relatively basic coverage while the Superior Plan provides more comprehensive coverage.

If you get COVID-19, you will be covered up to S$100,000 for any medical expenses abroad, and any overseas quarantine or hospitalisation will get you an allowance of S$50 a day up to 14 days, for the Essential Plan. If you opt for the Superior plan, you'll get medical coverage of up to S$200,000 instead and an overseas hospital allowance of up to S$100 per day.

If your trip has to be cancelled or postponed due to COVID-19, you can get up to S$4,000 reimbursement for the Superior Plan. On top of that, you’ll also be covered up to S$200,000 worth of emergency evacuation and repatriation for COVID-19 if required under the same plan.

 

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11. Great Eastern TravelSmart Premier

Great-Eastern-1GE TravelSmart Premier comes in the customary three tiers – Elite, Classic and Basic – although the scope of coverage is more heavily skewed towards the first two tiers, leaving the lowest tier rather lacking by comparison.

One advantage is that it offers a wider-than-typical range of benefits without the need to purchase add-ons. 

The high personal accident cover and emergency evacuation benefits provide up to S$500,000 in personal accident cover, bumped up to S$1 million thanks to its double indemnity benefit for public transport. This means that if accidental death or disablement should occur arising from the use of public transport overseas, your personal accident payout will be doubled.

GE TravelSmart Premier also shines in medical expense coverage, offering up to S$150,000 in overseas medical cover for COVID-19. As for trip cancellations due to COVID-19, you can claim up to S$5,000 for the highest tier plan.

They also provide hospital cash and quarantine benefit of up to S$100 per day, up to 14 days, due to COVID-19.

Great Eastern TravelSmart Premier Promotion

Single Trip: Enjoy 20% off when you use promo code TSP20%. Valid till 31 March 2024. T&Cs apply.
Annual Trip: Enjoy 10% off when you use promo code TSP10A. Valid till 31 March 2024. T&Cs apply.

Discount is only valid for Elite and Classic plans.


 

12. HLAS CovidSafe Travel Protect360

With the HLAS CovidSafe Travel Protect360, you’re able to choose from the three plans — Basic, Enhanced and Superior — that differ in the level of coverage.

The Superior plan offers up to S$150,000 in overseas medical expenses coverage against COVID-19 and the Enhanced plan offers up to S$50,000. However, the Basic plan does not offer any coverage.

You can expect a fairly decent hospital cash benefit of up to S$2,000 that pays out S$100 per day of hospitalisation, as well as an overseas quarantine coverage of up to S$1,000 for the Superior plan, with a daily payout of S$100.

For trip cancellations or curtailments related to COVID-19, you’ll get a reimbursement of up to S$2,000, while any postponements will grant you up to S$1,500. There is unlimited coverage for emergency evacuation and repatriation for the Enhanced and Superior plans, while the Basic plan does not offer any coverage for COVID-19 medical expenses or travel inconveniences due to COVID-19.

 

13. Allianz Travel Hero

allianz logo

As the newest kid on the block, Allianz Travel Hero do not offer any tier plans to customise your coverage. Instead, it offers three types of plans — ASEAN, APAC and Worldwide depending on the travel destination you're heading to.

You will receive the highest coverage if you buy the Worldwide plan, offering coverage of up to S$500,000 overseas medical expenses, including COVID-19 related expenses. You'll also enjoy up to S$50,000 coverage for any continued medical treatment you receive when you're back in Singapore, up to 14 days.

If you need to cancel your trip due to any valid reason including contracting COVID-19, you can get up to S$15,000 coverage.

For baggage delay and loss, you are entitled to a maximum of S$3,000 (min 6h of delay required) and S$7,000 respectively (up to a sublimit of S$1,000 for all high-value items). If you lose your travel documents, you can claim up to S$8,000, while any loss of personal cash will cover up to S$500.

Thinking of going on a road trip? Fret not! Allianz Travel Hero also offers rental vehicle excess of up to S$3,000 (no coverage for ASEAN Plan).

 


 

Which is the best travel insurance plan for COVID-19 coverage?

If you’re looking for one with the best coverage, Allianz Travel Insurance offers the highest medical expenses coverage that is unlimited if you opt for their highest-tier plan (though that comes at a comparatively heftier price), while AIG Travel Guard® Direct ranks second by offering up to S$250,000 coverage.

If you’re worried about the possibility of your trip being cancelled due to you or a loved one contracting COVID-19, Allianz Travel Insurance once again offers the highest amount of reimbursement of up to S$25,000. Despite this, their insurance plan does not come with any quarantine or hospitalisation allowance if you get the virus overseas.

Singlife Travel Insurance is also noteworthy as it offers up to S$2,000 of coverage for both hospitalisation and overseas quarantine, though the medical expenses coverage offered is not the highest.

For those on a budget, you can opt for the Starr TraveLead Travel Insurance that is the cheapest of the lot, from as low as S$18 for the basic tiered plan.

Importance of buying travel insurance early 

Frankly, no one could have predicted the onset of the Coronavirus or the severity of its impact globally. 

What we can do, however, is to protect ourselves from similar future outbreaks and unknown situations. You can consider purchasing a single trip travel insurance policy the moment you confirm the destination and dates of your overseas trip. Frequent travellers can opt to purchase an annual travel plan. 

For most cases, if you've bought your travel insurance before the advisory was announced (different insurers may use different dates), the trip disruption, postponement or cancellation will be covered up to your policy's benefit limit.

You should also pay closer attention to the T&Cs of the insurance policy documents. For example, some travel insurance plans offer trip cancellations for any reason (be it as part of the policy or as an upgrade or add-on), which would then cover you for a situation like the Coronavirus outbreak. 

The truth is a lot of us end up buying travel insurance at the very last minute. At times (we’re all guilty as charged), we buy it minutes before stepping onto the airplane. However, purchasing our travel insurance weeks, or even months, before the actual trip can save our wallets from unprecedented costs incurred when we are pushed to cancel our trip. 

Not sure where to look for the best plans? We got you covered. Browse through some of the best travel insurance you can get for your upcoming trip this 2022.

 

Travel Insurance Promotions




 

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.



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Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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