Many Singaporeans love to visit Europe for its historic landmarks, diverse cuisines, and scenic landscapes. But sometimes, we hear less than pleasant stories involving pickpockets in tourist hotspots. With high accommodation and flight costs being an inherent part of travelling to Europe, you’ll want to financially protect yourself with the best travel insurance that's right for your budget.

Compare Best Europe Travel Insurance Plans

Tiq travel insurance (Entry)

Tiq Travel Insurance has a reputation for being value-for-money, with prices starting from S$79.20 for a single-trip, basic individual plan. While buying travel insurance for Europe can be costly, going with Tiq’s Entry plan is a good way to stay covered on your holiday on a budget.

• Total medical coverage: Includes overseas medical expenses up to S$200,000 and up to S$1,000,000 for emergency medical evacuation.

• Travel agent bankruptcy: Covers you for S$1,000 if your travel agent goes bankrupt while you’re on vacation.

• Trip cancellation: Provides up to S$5,000 for trip cancellation and S$3,000 for travel curtailment.

• Travel delay: Payout if the flight is delayed by 3 hours or more, even without you filing a claim. 

• Loss or damage of baggage delay: For personal effects, it covers up to S$2,000 (with a S$1,000 sub-limit for the laptop and an S$250 sub-limit for all other items).Tiq will also cover any loss of travel documents for S$150.

• Terrorism: While no one ever hopes to utilise this, Tiq does provide cover for Acts of Terrorism for S$100,000 under their most basic plan.

• Personal liability: Coverage for personal liability overseas to the sum of S$250,000.

• Pre-existing medical condition coverage: You may also purchase pre-ex plans for covering medical expenses overseas resulting from pre-existing medical conditions. As long as your single trip does not exceed 30 days, you can even mix and match pre-ex and regular plans for Married Couple and Group Plans!

• Optional add-ons: Tiq offers several optional add-ons for your peace of mind. 

• Rental car excess cover: Starting from S$300, this add-on helps to cover the excess or deductible costs if you damage a rental vehicle. 

• Pet hotel cover: This add-on ensures coverage for the late pickup of your pet due to travel delays. 

• Sports equipment protector: Love travelling to play golf? This add-on is ideal for those travelling with sports gear, offering coverage for damage or loss of the equipment. 

• Child education cover: Lastly, this add-on provides an insurance payout for children if the insured passes away due to an injury during the trip.

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FWD Travel Insurance is another great option when travelling to Europe. Like Tiq Travel Insurance, their basic plan is extremely affordable and they also offer add-ons so you can customise your plan according to your travel needs.

• Total medical coverage: Includes overseas medical expenses coverage of up to S$200,000 and unlimited coverage for emergency medical evacuation.

• Insolvency cover: If your travel agent goes bankrupt during your trip, you’ll get a S$1,000 payout from FWD.

• Trip cancellation: Up to S$7,500 for prepaid expenses if your trip is cancelled due to unforeseen circumstances. 

• Loss or damage of baggage: Covers up to S$3,000 for theft or damage to your baggage or personal belongings. In the event that your credit card is stolen and used for fraudulent transactions, you’ll also be covered for S$300.

• Personal liability: Coverage for personal liability overseas for S$500,000 under FWD’s Premium plan.

• Optional add-ons: FWD offers several optional add-ons, so you can customise your plan.

• Cancel for any reason: This option covers you for up to S$6,000 if you cancel, postpone or cut short your trip for any reason. 

• COVID-19 coverage: Provides financial protection against medical expenses, trip disruptions or cancellations, and emergency evacuation or repatriation related to COVID-19. 

• Sports equipment protector: Get up to S$2,000 if you lose or damage your sports gear, or up to S$100 for rented gear. 

• Pet care: This add-on pays you S$50 for every 6 hours if your return to Singapore is delayed and you can't pick up your pet from the pet hotel on time. 

• Home contents cover: This add-on insures your home contents from fire or theft while you're away, for up to S$6,000. 

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Allianz Travel Insurance (Platinum)

Allianz Travel Insurance Platinum is another great option for your Europe trip, especially if you’re travelling with family. From dedicated family plans, to Cancel For Any Reason coverage, Allianz’s most Premium plan offers an extensive range of travel protections.  

• Total medical coverage: Offers up to S$1,000,000 coverage for overseas emergency medical coverage. (Sublimits apply for Traditional Chinese Medicine and dental care.)

• Travel delay coverage: Get coverage of up to S$1,600 for travel delays, including select COVID-19 coverage, in the event that your trip is delayed due to contracting COVID-19.

• Trip cancellation: Offers up to S$10,000 coverage for trip cancellation. Includes select COVID-19 coverage. 

• Loss or damage of baggage: Get up to S$5,000 cover for baggage claims, in the event that it is lost, stolen or damaged on your trip. 

• Travel accident coverage: In the unfortunate event that you suffer death or disability due to an accident on your trip, your beneficiary will get up to S$100,000.

• Emergency transportation coverage: If a medical emergency occurs during your trip, you’ll be covered for up to S$1,000,000. This can be used to defray costs of local emergency transportation, or medical repatriation to Singapore.

• Optional add-ons: Allianz offers a range of add-ons for the purpose of enhancing your coverage.

• Sports coverage for missed activities: Get up to S$1,500 for missing prepaid activities during your trip.

• Trip incident coverage: Get up to S$5,000 in the event you have to end your trip early and recoup unused trip costs. Early returns, trip interruptions and extended stays are applicable under this claim.

• Rental vehicle excess coverage: Make a claim if your rental car is stolen and damaged during your trip, and get up to S$1,500 for offsetting payments to the car rental company.

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Singlife Travel Insurance (Travel Prestige)

Singlife’s Travel Prestige plan is an excellent choice for those travelling with older companions. With limitations for travellers above 70 years of age clearly stated and an optional add-on for those with pre-existing conditions, you’ll be able to tour Europe with seniors with ease, knowing that you have solid contingency plans in place — should anything go wrong. 

• Total medical coverage: Unlimited overseas medical coverage for those under 70 years of age. For adults over 70 years old, this is limited to S$300,000.
• Accidental dental expenses while overseas: Provides up to S$8,000 coverage for dental expenses incurred on your trip.
• Travel delay coverage: Offers S$100 for every consecutive 6-hour delay, up to S$2,000.
• Trip curtailment for any reason: Offset unused travel (air, sea or land) and accommodation costs with up to S$7,500 coverage, if you have to cut short your trip.
• Loss or damage of baggage: Offers up to S$8,000 cover for loss or damage to your baggage or personal belongings. 
• COVID-19 coverage: Get S$200,000 for overseas medical expenses incurred due to COVID-19. Includes unlimited cover for emergency medical evacuation due to COVID-19.
• Optional add-ons: Beef up your travel plan with these available add-ons:

  • Winter Sports cover: Provides emergency medical cover for up to S$250,000, as well as up to S$3,000 for loss of winter sports equipment.

  • Adventure Water Sports cover: Provides emergency medical cover for up to S$250,000 if you are injured during water sports activities such as wakeboarding and deep-sea diving (up to 40 metres). Also covers you for S$3,000 for loss of water sports equipment.

  • Golf Holiday cover: Protects against loss of golfing equipment for up to S$2,000, or S$1,000 for any one article. Also covers you against unused green fees for S$500.

  • Pre-existing conditions cover: Provides coverage for overseas medical expenses incurred due to pre-existing conditions. Those under 70 years of age can claim up to S$150,000, while those above 70 years old are limited to S$75,000. If hospitalisation occurs due to pre-existing conditions, you'll also get a payout every 24 hours.

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The European Travel Information and Authorisation System (ETIAS) is scheduled to go into effect for Singapore citizens in late 2026, after encountering several delays. An electronic travel authorisation for Singaporeans and other visa-exempt nations travelling to the European Union, it is required for those aged 18-70. Expected to cost €7 (S$10) when it was first announced, the ETIAS fee may soon be increased to €20 (S$30). 

ETIAS travel authorisation will be needed for visiting the following 30 European nations:

• Austria

• Belgium

• Bulgaria

• Croatia

• Cyprus

• Czechia

• Denmark

• Estonia

• Finland

• France

• Germany

• Greece

• Hungary

• Iceland

• Italy

• Latvia

• Liechtenstein

• Lithuania

• Luxembourg

• Malta

• Netherlands

• Norway

• Poland

• Portugal

• Romania

• Slovakia

• Slovenia

• Spain

• Sweden

• Switzerland 

For now, Singapore citizens may enter Europe’s Schengen Zone without a visa or prior authorisation, for short-term stays of up to 90 days.

Compare Best Europe Travel Insurance Plans

Though travel insurance is not required for travel to Europe, it is recommended for all tourists. This applies especially to those who are hoping to visit several European countries. From protection against loss of your personal belongings, to covering overseas medical expenses and travel disruptions, insurance coverage is vital for guarding against unknown variables ruining your precious vacation.

Here's how travel insurance can help you protect against unforeseen circumstances, or just plain bad luck when you're touring your favourite European cities. 

• Medical coverage: Covers unexpected medical emergencies, hospitalisation, and repatriation, which can be very costly in Europe.

• Trip cancellation or interruption: Protects against financial losses due to unforeseen cancellations, delays, or interruptions of your trip.

• Lost or delayed baggage: Provides compensation for lost, stolen, or delayed luggage, helping you replace travel essentials, such as clothing and toiletries.

• Personal liability: Covers legal costs if you accidentally cause injury to someone or damage property.

• Emergency assistance: Offers 24/7 support for emergencies, including medical referrals and travel advice.

• COVID-19 coverage: Many policies now include benefits for COVID-19 related medical expenses or trip disruptions.

• Political instability & crime: According to the General Insurance Association of Singapore (GIA), riots and civil unrest are typically covered under the Travel Delay section. Some policies may also cover this under the Trip Cancellation and Curtailment sections, as long as what happened was an unexpected event and did not begin prior to your departure.
  

Travel insurance costs more for destinations like Europe and the United States than for Asia, due to higher costs of medical care involved.

For a 12-day trip to Europe, the insurance cost can range from S$46 to S$120, depending on the insurance plan and level of coverage you select. 

Compare Best Europe Travel Insurance Plans

 What is the best travel insurance plan for your Europe trip? That depends on your priorities. Here are our takeaways: 

• Travellers with pre-existing conditions: Check out Income’s affordable entry-level travel plan. S$500,000 is a bumper amount compared to other pre-ex plans on the same tier. Tiq and MSIG, for example, are offering S$75,000 and S$250,000 respectively. 

• Cancel for any reason coverage: You have a busy schedule and sometimes, trips pre-planned months in advance have to be cancelled. For this reason, MSIG’s TravelEasy Elite plan shines. Though Income’s Deluxe plan also offers S$10,000 for trip cancellations, MSIG also covers trip disruptions for up to S$2,000, versus Income’s coverage of S$1,500 for trip delays. 

• Elderly travellers above 70 years of age: Travelling with seniors? You’ll want adequate coverage for peace of mind in case anything goes south. Singlife’s generous coverage for overseas medical expenses (S$150,000) is significantly higher than other plans on the same tier. For comparison, Tiq’s Savvy plan offers just S$$50,000 and Great Eastern’s GREAT TravelCare Gold’s coverage is limited to S$100,000. 

• Adventurous leisure activities: Love mountaineering, bungee jumping and water sports? If adventurous leisure activities are on your European travel itinerary, you'll want to make sure you have the right coverage. While Great Eastern's GREAT TravelCare Gold and Platinum plans do cover adventurous leisure activities, details are scanty. Singlife's optional cover for Adventurous Water Sports is the winner. 

Crime rates in some parts of the region

 When travelling to Europe, it's important to be aware of certain risks, such as petty theft, which is relatively common in popular European destinations among Singaporeans. Cities like Paris, Rome, and Barcelona are known for pickpocketing incidents. Rome tops the list with popular attractions such as the Trevi Fountain, ancient Colosseum and the Pantheon being particularly problematic. 

Incidents caused by political instability

While Europe is generally politically stable, there can be occasional incidents involving some degree of social unrest. Locals from Barcelona to Genoa have long complained about the ills of overtourism, such as congestion and pollution.

Despite these concerns, the overall experience of tourists in Europe remains overwhelmingly positive. Many travellers report enjoyable and safe trips, with the good far outweighing the bad. Many visitors still find Paris and other European destinations to be relatively safe, especially compared to other major cities worldwide. Moreover, the cultural richness, historical landmarks, and the sheer beauty of these places continue to attract millions of tourists annually.

For those concerned about safety, it's advisable to take precautions such as using anti-theft bags, staying vigilant in crowded areas, and keeping valuables out of sight. 

Though we cannot predict what may happen, it’s best to have some degree of coverage while travelling to faraway places like Europe. Purchasing travel insurance before you fly  can provide peace of mind, covering potential losses or unfortunate incidents.

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