These travel insurance plans provide coverage for COVID-19 to keep you and your travel mates safe.
Best Travel Insurance With COVID-19 Coverage in Singapore
MSIG TravelEasy | Tiq Travel Insurance | Starr TraveLead Travel Insurance | HLAS CovidSafe Travel Protect360 | AIG Travel Guard® Direct | FWD Travel Insurance - COVID-19 Rider | Singlife Travel Insurance | Allianz Travel Insurance | Sompo Travel (COVID-19) Insurance | Allied World Travel Protector
If you’ve been suffering from cabin fever and are starting to make your long-awaited travel plans, one of your main concerns would probably be the possibility of contracting COVID-19 while you’re abroad.
But fret not, here are the top travel insurance plans that you can purchase that cover COVID-19 and travel cancellations or delays to protect you and your loved ones.
Overview of travel insurance plans for COVID-19 coverage
| Travel Insurance Plan | Highlights | Premium (For 1-week in ASEAN, Before Discount) |
MSIG TravelEasy |
- Up to S$250,000 for COVID-19 medical coverage - Up to S$3,000 travel inconvenience coverage for COVID-19 |
From S$61.00 |
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) - Offers coverage for Cruise To Nowhere |
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$65,000 - COVID-19 trip-related cancellation/curtailment of up to S$500 |
From S$34.00 |
| - COVID-19 related medical expenses coverage of up to S$200,000 - Reimbursement of up to S$3,000 for trip cancellation or curtailment - Hospital Cash Benefit of up to S$3,000 - Unlimited coverage for emergency evacuation and repatriation for Enhanced, Superior and Premier plans |
From S$79.00 | |
| - 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$44.00 | |
| - Only applicable as COVID-19 rider add-on - Up to S$200,000 for medical expenses - S$100 local or S$50 overseas hospitalisation cash per day for 14 days - Up to S$5,000 for trip cancellation |
From S$13.33 (The price here is for the COVID-19 Rider only) | |
|
|
- Up to S$200,000 coverage for COVID-19 related overseas medical expenses |
From S$39.77 |
| - Up to S$1 million for overseas emergency medical (including COVID-10 related expenses) - Up to S$15,000 for trip cancellations or disruptions (including COVID-19 related expenses) |
From S$49.00 | |
| - Up to S$200,000 for COVID-19 related medical coverage - 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$51.00 | |
Allied World Travel Protector
|
- Only applicable as COVID-19 rider add-on - Up to S$250,000 for COVID-19 related medical coverage - Up to S$6,000 travel cancellation/curtailment coverage - Up to S$500,000 medical evacuation or repatriation due to COVID-19 |
NA |
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.
1. 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$200,000 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$3,000 travel inconvenience 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$61 as well, ensuring that you receive decent coverage without having to break the bank.
SingSaver Exclusive Promotion: Enjoy 40% off Single Trip plans and 20% off Annual Plans. In addition, receive up to S$38 via PayNow when you apply. Valid till 31 March 2023. T&Cs apply.
Plus, score a ReboundTAG (worth S$31.90) + a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply, for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.
2. 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.
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 Exclusive Promotion:
Single Trip: Use promo code TIQSINGSAVER to enjoy 40% off when you apply. Valid till 31 March 2023. T&Cs apply.
Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount on your COVID-19 add-on. Valid till 31 March 2023. T&Cs apply.
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.
3. 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 you’re hospitalised for other ailments besides COVID-19, there is a cash benefit of up to S$15,000.
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, and up to S$250 at the Silver tier. The Bronze plan does not offer any coverage.
SingSaver Exclusive Promotion: Get up to S$48 via PayNow, a 35% discount PLUS an exclusive Agoda promo code when you apply using the promo code SSVTL35. Valid till 31 March 2023. T&Cs apply.
Plus, score a ReboundTAG (worth S$31.90) + a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply, for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.
Enjoy additional coverage by adding Trip or Baggage coverage for an absolute peace of mind. 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.
4. 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$100,000 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$50.
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.
5. 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.
6. 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 either hospitalised overseas or locally after you’re back.
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.
You’re also entitled to up to S$200,000 in coverage for any emergency evacuation in the event that you fall critically ill and have to be transported to a medical facility for treatment or repatriation back to Singapore.
7. Singlife Travel Insurance
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.
SingSaver Exclusive Promotion: Enjoy an 18% discount when you use the promo code TRAVEL18 for single-trip travel insurance plans only. Valid till 31 March 2023. T&Cs apply.
8. 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.
On top of that, Allianz travel insurance ranks highest in terms of coverage for trip amendments. Any trip cancellations or interruptions due to COVID-19 will get you a reimbursement of up to S$15,000 for the highest tier plan, while trip delays of at least six hours will get you up to S$2,000 with a daily limit of up to S$400.
Allianz Travel Insurance Promotion: Use the promo code TRAVEL40 to get a 40% discount and up to S$60 via PayNow when you apply (min. premium of S$60). Valid till 31 March 2023. T&Cs apply.
Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.
9. 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.
10. Allied World Travel Protector
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.
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$15 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.
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