From those that cover leisure sports to those that provide daily COVID-19 overseas quarantine allowance, here are the best travel insurance plans that you shouldn’t scrimp on when planning for your grand escapade.
Best Travel Insurance in Singapore on SingSaver for March 2023
Starr TraveLead Travel Insurance | Allianz Partners Travel Insurance | HLAS CovidSafe Travel Protect 360 | AIG Travel Guard® Direct | FWD Travel Insurance | Singlife Travel Insurance | Starr Cruise To Nowhere Travel Insurance | Sompo Travel Insurance | MSIG TravelEasy | Etiqa (TIQ) Travel Insurance | Tokio Marine TM Xplora Plus | Ergo Travel Protect
Now that COVID-19 has more or less taken a backseat in our lives, travelling is once again a realisable dream for most. Countries are finally opening their borders, and many Singaporeans can finally plan their escape after two years of not travelling.
However, before jetting away to foreign adventures, remember to insure yourself for any accidents or incidents that could happen abroad. Why? Travel insurance can save you from footing hefty medical bills or bearing the cost of damaged baggage.
So whether you’re an avid travel insurance customer or have never seen the need for travel insurance, consider this your sign to protect yourself and reduce the chances of any mishap ruining your long-awaited vacation.
Here are the best travel insurance plans with and without COVID-19 coverage that you should bookmark if you’re already making your travel plans (we recommend getting your travel insurance as early as possible).
Table of Content
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Overview of travel insurance plans in Singapore
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Travel Insurance |
Highlights | COVID-19 coverage? | Promotion |
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Starr TraveLead Travel Insurance
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Medical expenses up to S$1,000,000 Accidental death and disablement benefit of up to S$500,000 Personal baggage coverage of up to S$7,500 Overseas COVID-19 related medical expenses of up to S$65,000 COVID-19 trip-related cancellation/curtailment of up to S$500 |
Yes | Use the promo code SSVTL35 to enjoy up to S$48 via PayNow, a 35% discount, plus an exclusive Agoda promo code. 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. |
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Allianz Partners Travel Insurance
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Up to S$7,000 baggage coverage Up to S$1 mil medical expenses coverage (for Platinum plan, ages 69 and below) Up to S$1 mil COVID-19 coverage for emergency medical and dental expenses (for Platinum plan, ages 69 and below) Up to S$15,000 for trip cancellations or disruptions relating to COVID-19 |
Yes | Use the promo code TRAVEL40 and get up to S$60 via PayNow when you apply (min. premium of S$60). Valid till 31 March 2023. T&Cs apply. |
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HLAS CovidSafe Travel Protect 360
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Up to S$300,000 coverage for accidental death and disablement Up to S$500,000 medical coverage overseas Up to S$7,000 baggage loss COVID-19 medical expenses coverage of up to S$100,000, including COVID-19 Hospital Cash Benefit of S$100 per day up to S$2,000 for COVID-19 |
Yes | NA |
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Up to S$2,500,000 coverage in overseas medical expenses Unlimited emergency medical evacuation (except for Standard and Basic plan) Up to S$300,000 accidental death and disablement coverage COVID-19 medical expenses coverage of up to S$250,000 Up to S$7,500 for trip cancellations or early returns relating to COVID-19 |
Yes | NA |
| Up to S$1,000,000 overseas medical expenses coverage Up to S$7,500 theft or damage to personal belongings Up to S$900 for baggage delay COVID-19 coverage available as rider add-on with up to S$200,000 for COVID-19 medical expenses |
Yes | Enjoy 25% off for Single and Annual Trip when you use the promo code TRAVEL25. Valid till 31 March 2023. T&Cs apply. |
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Up to S$8,000 loss of baggage coverage Up to S$500,000 for accidental death and disability Unlimited overseas medical expenses (for Travel Prestige plan) Up to S$2,000,000 personal liability Up to S$200,000 coverage for overseas COVID-19 medical expenses Up to S$100 per day for COVID-19 overseas quarantine, up to S$2,000 Payout of up to S$150 if your trip is affected by excessive rainfall |
Yes | Use the promo code TRAVEL18 to enjoy a 18% discount on your Single Trip premium. Valid till 31 March 2023. T&Cs apply. |
| Up to S$100,000 overseas Covid-19 related medical expenses Up to S$1,000 COVID-19 related trip cancellation benefit Up to S$1,000,000 medical expenses for in and outpatient treatments Accidental death and disablement benefit of up to S$500,000 |
Yes | Enjoy up to S$48 via PayNow when you apply. Valid till 31 March 2023. T&Cs apply. |
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| Up to S$400,000 medical expenses coverage Up to S$500,000 accidental death and disablement coverage Up to S$1,000,000 personal liability coverage Up to S$200,000 coverage for COVID-19 medical expenses Covers up to S$4,000 for trip cancellation or postponement due to COVID-19 Overseas quarantine/hospitalisation allowance of up to S$100 per day for COVID-19 Covers up to S$200,000 for medical evacuation or repatriation for COVID-19 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 need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test and test negative within 72 hours prior to the scheduled departure date from Singapore. |
Yes | NA | |
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Up to S$2,600,000 overseas medical expenses coverage for Adult & Children/Family cover Up to S$$1,000,000 overseas medical expenses coverage for individuals Up to S$1,200,000 accidental death and disablement coverage for Adult & Children/Family cover Up to S$500,000 accidental death and disablement coverage for individuals Overseas hospitalisation daily benefit of up to S$300 per day, capped at max. S$60,000 Up to S$200,000 for Medical Cover for COVIS-19 Up to S$3,000 for Travel Inconvenience due to COVID-19 |
Yes | Enjoy 40% off your Single Trip premium and 20% off your Annual Trip premium. Plus, 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. |
| Up to S$1,000,000 medical coverage overseas Up to S$500,000 accidental death and disablement coverage Up to S$10,000 coverage for medical expenses incurred in Singapore Up to S$10,000 trip cancellation benefit (Covers Cruise To Nowhere) Up to S$300,000 medical coverage for COVID-19 (with COVID-19 rider) Up to S$5,000 coverage for trip cancellation and loss of deposit due to COVID-19 (with COVD-19 rider) |
Yes | Single Trip: Use promo code TIQSINGSAVER to enjoy 40% off when you 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. |
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| Up to S$500,000 for overseas medical expenses, including COVID-19 Up to S$300,000 accidental death & disablement coverage Up to S$15,000 trip cancellation benefit Up to S$1,200 baggage delay benefit |
Yes | NA | |
| Up to S$1,000,000 overseas medical and dental expenses Up to S$50,000 follow-up medical and dental coverage upon return to Singapore Unlimited Worldwide Emergency Medical Evacuation (excluding Basic plan) Overseas hospitalisation daily benefit of up to S$200 per day, capped at max. S$20,000 |
No | NA |
Travel insurance plans with COVID-19 coverage
Starr TraveLead Travel Insurance
With three plans to choose from, Bronze, Silver and Gold, Starr TraveLead Travel Insurance lets you choose your coverage based on your budget and needs. What really stands out in this insurance plan is the high medical expenses coverage of up to S$1,000,000, including in and outpatient treatments abroad if you require medical assistance.
On top of that, they also have a personal accident benefit of up to S$500,000 for accidental death and disablement, ensuring that you are well covered. You’ll also have access to their 24-hour Global Emergency Assistance services that include an around-the-clock hotline, as well as up to S$7,500 coverage for personal baggage loss or damages.
| Pros | Cons |
| Up to S$1,000,000 medical expenses coverage | No terrorism cover |
| Personal liability coverage of up to S$1,000,000 | COVID-19 coverage excludes China, Macau, Hongkong, and Taiwan |
| High coverage for trip cancellation and curtailment of up to S$15,000 | Does not cover pre-existing conditions, pregnancy and childbirth |
| Overseas COVID-19 related medical expenses overage of up to S$65,000 | Does not cover professional spots |
If you’re worried about contracting COVID-19 abroad, you’re well protected with their insurance plan as it offers up to S$65,000 coverage for COVID-19 related medical expenses and up to S$500 in claims if your trip is cancelled or curtailed due to COVID-19 (for Silver and Gold plans only).
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.
Allianz Partners Travel Insurance
For your upcoming travel plans, is maximum medical coverage benefit your main concern? If you are travelling to a country where falling sick or being hospitalised due to an accident is going to cost you an arm and leg, factor in medical coverage when purchasing travel insurance. Medical coverage benefits will cover you for medical attention, evacuation and assistance during your trip.
Allianz Travel Insurance offers up to S$1 million coverage for medical and dental expenses for the Platinum plan (for those aged 69 years and below), as well as unlimited emergency transport, the highest coverage that you can ever find.
They also offer up to S$7,000 baggage coverage (among the higher coverages), and up to S$15,000 claims for trip cancellation and interruption.
| Pros | Cons |
| Unlimited medical expenses coverage for Platinum plan | No benefit is payable relating to expenses incurred due to the fraudulent use of credit card |
| Up to S$15,000 baggage coverage | No benefit payable for claims arising from pre-existing conditions |
| COVID-19 coverage |
As for COVID-19, opting for the Platinum plan will also give you up to S$1 million coverage for emergency medical and dental expenses from COVID-19 (ages 69 and below), while any travel cancellations or disruptions will entitle you to the same claim amount of S$15,000.
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.
HLAS CovidSafe Travel Protect 360
One of the biggest draws of the HLAS CovidSafe Travel Protect360 is the high personal liability coverage of up to S$1,000,000. On top of that, they also offer up to S$500,000 coverage for medical expenses overseas and up to S$20,000 local medical expenses coverage.
For baggage loss, you can claim up to S$7,000, while delayed baggage will get you S$100 for every six hours up to S$1,200.
| Pros | Cons |
| Up to S$500,000 coverage for medical expenses overseas | Covers kidnapping/hostage situations and hijacking of common carriers |
| Personal liability of up to S$1,000,000 | |
| Rental car excess of up to S$1,000 | |
| COVID-19 coverage |
If you were to contract COVID-19 overseas, your medical expenses are covered up to S$100,00, and you’ll also get a hospital cash benefit of S$100 per day up to S$2,000 if you need to be hospitalised because of COVID-19.
For the Superior and Enhanced plan, you’ll also get unlimited coverage for emergency evacuation and repatriation for urgent fatal illnesses. If your trip is cancelled or curtailed due to COVID-19, you’ll be reimbursed up to S$2,000 to compensate for any inconveniences and cancellation fees.
AIG Travel Guard® Direct
With up to S$2,500,000 coverage for overseas medical expenses, AIG Travel Guard® Direct’s coverage is one of the highest compared to the other travel insurance plans out there. They also offer up to $10,000 reimbursement if your baggage is lost, and unlimited emergency medical evacuation except for the Standard and Basic plan.
| Pros | Cons |
| Medical expenses coverage of up to S$2,500,000 | Exclusion of coverage if you participate in extreme sports and sporting activities |
| Up to S$10,000 coverage for loss of personal belongings | |
| Unlimited emergency medical evacuation (except for Standard and Basic plan) | |
| COVID-19 coverage |
With AIG Travel Guard® Direct, you also won’t have to worry if you contract COVID-19. Aside from the mental stress of falling sick, you won’t be financially burdened as AIG provides up to S$250,000 coverage for COVID-19 medical expenses as well as an overseas quarantine allowance of up to S$100 a day.
They also cover up to S$7,500 if your trip is cancelled or if you have to return to Singapore early due to COVID-19.
FWD Travel Insurance
Offering up to S$1,000,000 overseas medical expenses coverage, FWD travel insurance’s coverage is decent but definitely not the highest in the market. If your personal belongings are stolen or damaged, you can claim up to S$7,500, and up to S$900 for any baggage delay.
You can also enjoy a seamless claim process as they offer cashless medical claims through their app.
| Pros | Cons |
| Fully covered by terrorism | No Pre-existing conditions cover |
| Unlimited emergency medical evacuation cover | COVID-19 coverage as a rider add-on |
| Cashless Medical Claims |
Though COVID-19 is not covered in their insurance plans, you are able to get it as a rider add-on. You can claim up to S$200,000 for COVID-19 related medical expenses, and S$100 local or overseas hospitalisation cash per day for up to 14 days. They will also reimburse you up to S$5,000 for any trip cancellations due to the pandemic.
Do note that the COVID-19 rider coverage is the same regardless of which plan you opt for as your base plan.
Singlife Travel Insurance
If you opt for the Singlife Travel Prestige plan, you will be thrilled to know that there is unlimited overseas medical expenses coverage to safeguard yourself against hefty overseas medical bills. They also offer up to S$2,000,000 in personal liability coverage, making it one of the highest coverage on the list.
| Pros | Cons |
| Full terrorism cover | Coverage for any golfing equipment, water sports equipment and winter sports equipment is only available by adding on riders |
| Coverage for trip cancellation for any reason | No coverage for participation in dangerous sports |
| Replacement Traveller (For Business Travel only) for Plus and Prestige Plan | |
| COVID-19 coverage |
Better yet, you can rest easy knowing you’ll be protected against emergency medical and evacuation expenses if you were to catch COVID-19 while on your trip, with up to S$200,000 coverage for overseas medical expenses and up to S$2,000 reimbursement for COVID-19 related trip cancellation or postponement. Do ensure that you’re fully vaccinated before the trip to qualify for this cover.
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.
Starr Cruise To Nowhere Travel Insurance
If you’re planning on a cruise-to-nowhere trip, consider getting the Star Cruise To Nowhere Travel Insurance. They have a decent medical expenses coverage of S$1,000,000, as well as coverage against accidental death and disablement of up to S$500,000.
With their 24-hour global emergency assistance services, you’ll be linked up to medical services and immediate transportation in no time.
| Pros | Cons |
| Up to S$1,000,000 medical expenses overseas | No terrorism coverage |
| 24 hours Global Emergency Assistance Services | |
| Extensive travel inconvenience benefits | |
| COVID-19 coverage |
Thankfully, they also cover for COVID-19 in the event you get it on your trip. They offer overseas COVID-19 related medical expenses coverage of up to S$100,000, as well as COVID-19 related trip cancellation and curtailment up to S$1,000.
SingSaver Exclusive Promotion: Get rewarded with up to S$48 via PayNow when you apply. Valid till 31 March 2023. T&Cs apply.
Sompo Travel (COVID-19) Insurance
Sompo Travel (COVID-19) insurance offers two plans — Essential and Superior plan that offers different levels of coverage.
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 need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test and test negative within 72 hours prior to the scheduled departure date from Singapore.
You will be granted up to S$400,000 coverage for medical expenses, as well as up to S$500,000 accidental death or disablement coverage.
If your trip is cancelled or postponed, some of your money can be recovered as they will reimburse you up to S$10,000 for each person insured. Moreover, they also have a relatively high personal liability coverage of up to S$1,000,000.
| Pros | Cons |
| Full terrorism coverage | No extensive coverage for leisure sports |
| Up to S$1,000,000 personal liability coverage | Relatively low medical expenses coverage |
| COVID-19 coverage |
Thankfully, Sompo is offering COVID-19 coverage as well. If you get COVID-19, you will be covered up to S$200,000 for any medical expenses abroad, and any overseas quarantine or hospitalisation will get you an allowance of S$100 a day up to 14 days.
If your trip has to be cancelled or postponed due to COVID-19, you can get up to S$4,000 reimbursement. 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.
MSIG TravelEasy
If you have exciting travel plans and have painstakingly planned your holiday, you will want to travel worry-free. We recommend MSIG TravelEasy for their high baggage delay benefit of up to S$250 for every six hours of delay, emergency medical evacuation/repatriation, Terrorism Cover, and high accidental death and disablement coverage of up to S$1,200,000 for the family!
MSIG Elite and Premier Plans also offer benefits like Adventurous Activities Cover, Golfer’s Cover, Unused Entertainment Ticket Cover, Domestic Pets Care Cover, Rental Vehicle Excess Cover, and Home Contents Cover to suit all travellers' needs.
| Pros | Cons |
| Up to S$2,600,000 overseas medical expenses coverage for Adult & Children/Family Cover | Standard Plan (TravelEasy) does not cover certain sub-category of benefits, such as Adventurous Activities/Golfer’s Cover; please refer to the policy document for exclusions |
| Pre-existing Medical Condition Cover available (under TravelEasy Pre-Ex Plans) | |
| Public Transport Double Cover, Adventurous Activities Benefit (for Elite and Premier Plans) | |
| COVID-19 coverage |
COVID-19... probably the reason why you cancelled many of your upcoming trips and why you may feel uneasy travelling. Fret not! As MSIG now has COVID-19 cover and is provided automatically to all single trip plans. Feel confident in your travels now with MSIG keeping you covered.
So, what exactly is covered? You’d be happy to know that the following benefits have been enhanced to include COVID-19 cover as a sub-limit to these policies. Overseas medical expenses, emergency medical evacuation and repatriation, travel cancellation and travel postponement. The highest tier (Premier) plan covers you up to S$200,000 for Medical Cover and S$3,000 for Travel Inconvenience. It’s important to note all available tiers come with Medical and Travel Assistance Services.
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.
Etiqa (tiq) Travel Insurance
Etiqa (TIQ) travel insurance stands out from the rest because of its Pre-Ex plan that covers individuals with pre-existing medical conditions as an extension of coverage.
Their medical coverage overseas is up to S$1,000,000, one of the plans that have relatively high coverage, and up to S$1,800,000 combined limit for emergency medical evacuation. There’s also a S$10,000 trip cancellation benefit to cover any inconveniences.
TIQ travel insurance now offers coverage for Cruise To Nowhere too, so you can have a peace of mind when you're abroad.
| Pros | Cons |
| Up to S$1,800,000 combined limit for emergency medical evacuation and repatriation of mortal remains | Baggage delay benefit is constant at S$100 per six hours, capped at S$200 limit, regardless of Plan type |
| Pre-Ex plan catered for individuals with pre-existing conditions | |
| COVID-19 coverage available as an add-on rider | |
| Covers for activities like hot air baloon ride, parachuting, sky-diving, bungee-jumping, hand-gliding, paragliding, and non-competitive winter sports |
Tiq travel insurance has recently started offering COVID-19 coverage, though as an add-on rider and is available in three different tiers — entry, savvy and luxury.
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.
You'll also get a quarantine allowance of up to S$1,500, S$100 for every 24 hours and up to S$500,000 for emergency medical evacuation and repatriation to Singapore.
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.
Tokio Marine TM Xplora Plus
Tokio Marine’s TM Xplora Plus features two tiers of travel insurance plans: Classic and Premier. Both plans offer well-rounded coverage with affordable premiums. One of the unique selling points is that they provide terrorism cover of up to S$300,000, as well as a high trip cancellation benefit of up to S$10,000.
They also provide up to S$500,000 coverage for overseas medical expenses, including COVID-19 coverage, and up to S$300,000 coverage for accidental death and disablement.
| Pros | Cons |
| Up to S$15,000 trip cancellation benefit due to insolvency of travel agency | Travel regions covered fall under only two buckets: Asia and Worldwide. Even trips within ASEAN are classified under Asia pricing |
| Adventure sports & Activities coverage (leisure basis) | |
| Full terrorism cover |
Travel insurance plans without COVID-19 coverage
Ergo Travel Protect
Ergo provides four tiers of plans – Essential, Standard, Deluxe – each with different coverage and pricing. Prices start from S$14 for the Essential Plan.
With an unlimited worldwide emergency medical evacuation across all plans, you can rest assured knowing that you’re in good hands. They also offer up to S$1,000,000 coverage for overseas medical expenses, as well as up to S$50,000 coverage for follow-up medical expenses when you’re back in Singapore.
| Pros | Cons |
| Unlimited worldwide emergency medical evacuation (except Basic Plan) | No add-on or optional riders are available |
| Covers repatriation of mortal remains or funeral expenses due to pre-existing condition up to S$100,000 | No COVID-19 coverage |
Check our Best Travel Insurance for 2023 page for more information on these travel insurance plans and providers!
Alternatively, compare and apply for your travel insurance through our SingSaver comparison tool and find the best plans for your needs, based on the destination, coverage, premium, and more!
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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