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Which Credit Cards Offer Free Travel Insurance in Singapore?

Emma Lam

Emma Lam

Last updated 01 August, 2023

Get free travel insurance coverage throughout your trip when you charge your travel fare to these credit cards!

Travel insurance is the last thing you want to think about when you’re gearing up for that long-awaited holiday. Yet, should you happen to encounter a mishap or accident, having insurance protection will prove to be invaluable.

Luckily for us, some credit cards come with a free travel insurance plan. All you have to do is to charge the full cost of your tickets or travel package to the card to qualify. It's like getting free money in case something goes wrong during your trip (knock on wood). 

We compared different credit cards in Singapore to find the ones with the best free travel insurance plans. But before we show you our recommendations, it helps to understand what your insurance coverage should include.

 

Table of contents

Disclaimer: Credit card offers and their respective travel insurance coverages are subject to change. All information is accurate as of 16 May 2023.


Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


What Does Credit Card Travel Insurance Cover?

The travel insurance offered by your credit card covers three main areas. For each, you can claim up to a specified maximum amount.

Travel Accident

Should you suffer an accident while overseas or in transit, your travel insurance may be able to pay you a pre-determined sum.

Usually, this amount is paid out in the event of death, or serious injuries with permanent effects such as loss of use of limbs or sight. Less serious injuries (eg. loss of digits or hearing), may qualify for a portion of the maximum coverage.
 

Overseas Emergency Medical Assistance

Some travel insurance plans also include overseas emergency medical assistance coverage, which is useful for covering hospital bills and medical services incurred overseas.

Note that this claim can only be made in the event of an accidental injury requiring medical treatment, emergency evacuation and/or repatriation. This means that you cannot make a claim should you need to visit the hospital because of illness or a pre-existing condition.

If you or an accompanying family member has a health issue that might require medical attention while overseas, you should get your own personal health insurance coverage.

Do not try to rely solely on your credit card travel insurance, as your claims will likely not be awarded.

Travel Inconvenience

Credit card travel insurance also covers you in the event of disruptions and inconveniences to your travel plans.

If you encounter a flight delay that causes you to miss your connecting flight, or if your luggage gets lost or delayed, you’ll have to spend extra money on accommodation and meals and buy replacement clothing, personal effects and other necessities.

Save your receipts if this should occur to help you make a claim – you could be reimbursed for part or all of the extra costs you incur.

Some travel insurance also covers you in the case of flight cancellations, or if medical conditions cause a delay in your travel plans.  

See also: Best Travel Insurance in Singapore (2023)


Which Credit Cards Offer Free Travel Insurance in Singapore?

Note: XX mpd refers to "miles per S$1 spend".

Credit Card
Key Credit Card Benefits
Travel Insurance Coverage
Citi Rewards Card
Citi Rewards
Up to 10X Rewards Points or 4 mpd on:
  • Online and shopping purchases
  • Ride-hailing apps like Grab, Gojek
  • Online food delivery
  • Online grocery
1X Reward Point or 0.4 mpd on all other spend
 
Bonus miles capped at S$1,000 spend per month / Capped at 9,000 bonus points per month
 
No cap on base points or miles
Up to S$1,000,000 coverage with AIG when you charge travel tickets to the card
 
Citi Cash Back Card
Citi-Cash-Back-Master-Credit-Card_2

Citi Cash Back+ Card
Citi-Cash-Back-Master-Credit-Card_2-Mar-21-2022-10-22-09-87-AM

 

Citi Cash Back
8% cashback on groceries and all fuel spend

6% cashback on dining

0.25% cashback on all other spend



Citi Cash Back+

1.6% unlimited cashback on all eligible spend
 
No min. spend
 
No cap on cashback

 

1.2 mpd on local spend
 
2 mpd on overseas spend
 
Up to 10 mpd on Kaligo bookings
 
Up to 7 mpd on Agoda bookings
 
2 complimentary airport lounge visits per year
 
Citi miles never expire
Up to S$1,000,000 coverage with HL Assurance when you charge your travel tickets to this card
 
UOB Lady's Solitaire Card
UOB_LADYS_SOLITAIRE_MASTER

 

15X UNI$ per S$5 spend or 6 mpd on 2 chosen categories:
  • Beauty & Wellness
  • Fashion
  • Dining
  • Family
  • Travel
  • Transport
  • Entertainment
1X UNI$ per S$5 spend or 0.4 mpd on all other spend
 
Bonus points or miles capped at S$3,000 spend per month
Up to US$100,000 coverage with AIG when you charge your travel tickets to the card
 
UOB PRVI Miles Card
uob-prvi-amex-resized-3

uob-prvi-resized-e1548402137533-2
 PRVI-MC-2022

 

1.4 mpd on local spend

2.4 mpd on overseas spend (including online shopping on overseas website)

6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel

2 complimentary airport transfers per quarter for AMEX only (min. S$1,000 overseas spend per quarter)
S$500,000 coverage with UOI when you charge your travel expenses to this card
 
Maybank Horizon Visa Signature Card
Maybank-Horizon-Visa

Up to 3.2 mpd on local spend:
  • Local dining
  • Transportation (including Grab, Gojek)
  • Petrol
  • Hotel bookings via Agoda
Up to 2 mpd on:
  • Air tickets 
  • Travel & cruise packages
  • Foreign currency transactions
Complimentary selected VIP lounge access
 
Min. S$300 spend per month
 
Note: Bonus miles only awarded for transactions redeemed on Maybank TREATS SG app
Up to S$1,000,000 coverage with Etiqa when you charge air tickets or travel packages in full to this card
 
CIMB Visa Signature Card
CIMBVisaSignatureCard

 

CIMB Visa Infinite Card
CIMB-VISA-INFINITE_2019-LR-1024x674

10% cashback on:
  • Online shopping
  • Groceries
  • Beauty & wellness
  • Pet shops & vet services
  • Cruises

0.2% cashback on all other spend

 


 
2% unlimited cashback on:
  • Travel
  • Overseas (either offline foreign currency or local currency spend)
  • Online foreign currency spend
1% unlimited cashback on all other spend
Up to S$500,000 coverage with Sompo
 
 
 
 
 
 
 
 
 
 
Up to S$1 million coverage with Sompo 
 
 
 
Standard Chartered Journey Card
SC_Card_OM_Journey_20220816-AssetA-RGB-2500px_HENRY YEO
1.2 mpd on local spend
 
2 mpd on overseas spend
 
3 mpd on selected online categories, capped at S$1,000 spend per month:
  • Transport
  • Grocery
  • Food delivery

2 complimentary visits to Priority Pass airport lounges per year

Up to S$1 million coverage with Allianz
 
Standard Chartered Visa Infinite Card
scb-visa-infinite-card
Up to 1.4 mpd on local spend with min. S$2,000 spend per month
 
Up to 3 mpd on overseas spend with min. S$2,000 spend per month
 
Otherwise, 1 mpd if spend < S$2,000 per month
 
6 complimentary Priority Pass airport lounge visits per year
Up to S$1 million coverage with MSIG
 
HSBC TravelOne Card
HSBC TravelOne
1.2 mpd on local spend
 
2.4 mpd on overseas spend
 
4 complimentary airport lounge visits per year
 
5 free supplementary cards
 
No conversion fee for air miles or hotel points until 31 Dec 2023
Up to US$100,000 coverage with HSBC Life (including COVID-19)
 
AMEX Singapore Airlines KrisFlyer Credit Card
AmericanExpressKrisFlyerCreditCard-Mar-21-2022-10-04-09-85-AM


AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Amex_KrisFlyer_Ascend_Credit_Card-1

1.2 mpd on local spend, no cap
 
2 mpd on overseas spend in June and December, no cap
 
2 mpd on eligible Singapore Airlines-related spend, no cap
 
3.1 or 3.2 mpd (Ascend) on Grab Singapore rides, capped at S$200 per month
Up to S$350,000 coverage with Chubbs
 
 
 
 
 
 

 
 
 
 
 
Up to S$1 million coverage with Chubbs 
 

See also: Credit Card Travel Insurance vs Travel Insurance: What's the Difference?


For online shoppers: Citi Rewards Card

Citi Rewards

The Citi Rewards Card gives you up to 10X Rewards Points or 4 mpd on the following categories: online and shopping purchases, online grocery, online food delivery, and ride-hailing apps. Its bonus miles are capped at S$1,000 spend (or 9,000 bonus points) per month. 

✨ Read our full review of the Citi Rewards Card here.

Insured by AIG, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. Its coverage breakdown is as follows:

  • Up to S$100,000 for emergency medical evacuation
  • Up to S$50,000 for medical repatriation
  • Up to S$40,000 for medical and accidental dental expenses
  • Up to S$1,000 for baggage loss (S$500 per article)
  • Up to S$500 for baggage delay (S$200 per 8-hour consecutive delay)
  • Up to S$500 for flight delay (S$100 per 8-hour consecutive delay) 
  • Up to S$500 for trip interruption and trip cancellation each

Source: Citibank

                                Citi Rewards + amaze by Instarem - Credit Card Promotions & Offers

💡Pro-tip: Pair your Citi Rewards Card with the Instarem amaze Card to continue earning miles on overseas spend and a further 1% cashback. This is because the Instarem amaze Card converts all transactions into online spending!

Note: The amaze Card only works with Mastercards like Citi Rewards.

With this stellar combo, your Citi Rewards Card will double up as a great overseas spend card to continue earning miles on holiday. So we highly encourage you to take advantage of this not-so-secret travel hack for your next trip pronto! 🤑🌍

See also: 3 Reasons to Never Pay in SGD When Swiping Your Card Overseas


For cashback loyalists: Citi Cash Back & Citi Cash Back+ Card

Citi Cash Back Card
Citibank Cash Back MA v2 (1)

Citi Cash Back+ Card
CITI_CASHBACK+_MASTER

The next Citibank card on our list is the ever-popular Citi Cash Back Card and its unlimited spend counterpart, Citi Cash Back+ Card. The former earns 8% cashback on groceries and all fuel, as well as 6% cashback on dining (including internationally). Meanwhile, the latter earns an unlimited 1.6% cashback on all eligible spend. No minimum spend and no cap on cashback.

But most of you probably already know this. What you probably don't know is its travel insurance offered.

✨ Read our full review of the Citi Cash Back Card and Citi Cash Back+ Card here.

Insured by AIG, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. Its coverage breakdown is as follows:

  • Up to S$100,000 for emergency medical evacuation
  • Up to S$50,000 for medical repatriation
  • Up to S$40,000 for medical and accidental dental expenses
  • Up to S$1,000 for baggage loss (S$500 per article)
  • Up to S$500 for baggage delay (S$200 per 8-hour consecutive delay) and flight delay (S$100 per 8-hour consecutive delay) each 
  • Up to S$500 for trip interruption and trip cancellation each

Source: Citibank

This is the same extent of coverage as the Citi Rewards Card. So if you're not a miles chaser and prefer cashback, you won't have to worry about being left out. Citi Cash Back(+) cardholders will benefit equally.

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SingSaver's Exclusive AIG Travel Guard® Direct Promotion: 

Single Trip:  Apply now and get $20 PayNow! (minimum premium of $80). Plus, every 11th customer gets an additional $45 Paynow. Valid till 30 Nov 2023.   

Annual Trip: Apply promo code SSTGD to receive $200 PayNow! Plus, every 11th customer gets an additional $45 Paynow. Valid till 30 Nov 2023.  

Additionally, enjoy up to 3x chances to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.


For miles consistency: Citi PremierMiles Card

CITI_PREMIERMILES_MASTER (1)

The Citi PremierMiles Card needs no introduction if you're familiar with the miles game. It rewards cardmembers with 1.2 mpd on local spend and 2 mpd on foreign spend – and that's just general spend.

On top of that, it also offers up to 10 mpd on Kaligo bookings, 7 mpd on Agoda bookings, and 2 complimentary airport lounge visits per year. And as the cherry on top, Citi miles never expire.

It's no wonder this card is a constant in everyone's credit card rotation.

✨ Read our full review of the Citi PremierMiles Card here.

logo-hl-assurance

Insured by HL Assurance, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to this card. Its coverage breakdown is as follows:

  • Up to S$1,000,000 for death or permanent disability
  • Up to S$40,000 for medical and dental treatment expenses
  • Up to S$100,000 for emergency medical evacuation & repatriation
  • Up to S$50,000 for direct repatriation of mortal remains
  • Up to S$1,000 for baggage loss (S$500 per article)
  • Up to S$600 for baggage delay (S$100 per 8-hour consecutive delay)
  • Up to S$500 for flight delay (S$100 per 8-hour consecutive delay)
  • Up to S$500 for trip interruption and trip cancellation each
  • Up to S$50,000 for COVID-19 medical expenses
  • Up to S$1,000 for COVID-19 hospital allowance

Source: Citibank

Compared to its above Citi cousins, the Citi PremierMiles provides more extensive coverage over additional categories like death and permanent disability, direct repatriation of mortal remains, and extra COVID-19 coverage as its bonuses.

In our opinion, it's always wiser to opt for COVID-19 travel insurance coverage because you never know when you might be afflicted by it. It's better to be safe than sorry.

See also: Where to Buy Travel Insurance With COVID-19 Coverage (2023)

CITI__BLOGARTICLE_800x250

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Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.


For ladies with dedicated spending: UOB Lady's Solitare Card

UOB_LADYS_SOLITAIRE_MASTER

The UOB Lady's Solitaire Card was already a solid miles card but with its upgrade earlier this year, it just got even more amazing. Bumping up from 4 mpd to 6 mpd, this was a much-welcomed card refresh.

For context, the only other card with this accelerated rate is UOB PRVI Miles (as seen below) with its 6 mpd on major airlines, Agoda, Expedia, and UOB Travel bookings. Otherwise, this boosted rate is hard to come by.

Moreover, compared to its counterpart UOB Lady's Card, the Lady's Solitaire variant allows cardholders to earn 6 mpd on two chosen categories per quarter, instead of just one. The eligible categories are Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, and Entertainment.

This bonus miles earn rate is capped at S$3,000 spend per month, higher than the standard S$1,000 cap. The only caveat is that this card is for ladies only, and men are not allowed to apply – not even a supplementary card. 😔

💡Pro-tip: One possible solution to overcome this problem is to get a lady friend, family member, or partner to apply on your behalf. Basically, the card will be under their name but you still get to benefit as if a primary cardholder.

✨ Read our full review of the UOB Lady's Solitaire Card here.

Insured by AIG, up to US$100,000 complimentary travel insurance coverage is provided when you charge travel tickets to this card. The coverage breakdown is as follows:

  • Up to US$100,000 for overseas medical expenses
  • Up to US$100,000 for emergency medical evacuation or repatriation of mortal remains
  • Up to US$100 per day for daily hospital allowance
  • Up to US$100 for overseas quarantine allowance

Source: UOB

Noticeably, the extent of coverage and sum insured is significantly lower than the aforementioned travel insurance plans. Thus, we recommend opting for UOB Lady's Solitaire complimentary travel insurance only if...

  • You need a little extra coverage as an add-on to a travel insurance plan already bought directly from providers; or
  • You're going on a short trip that doesn't require such comprehensive protection.

See also: Best Travel Insurance Plans and Promotions in Singapore (2023)

logo-aig

SingSaver's Exclusive AIG Travel Guard® Direct Promotion: 

Single Trip:  Apply now and get $20 PayNow! (minimum premium of $80). Plus, every 11th customer gets an additional $45 Paynow. Valid till 30 Nov 2023.   

Annual Trip: Apply promo code SSTGD to receive $200 PayNow! Plus, every 11th customer gets an additional $45 Paynow. Valid till 30 Nov 2023.  

Additionally, enjoy up to 3x chances to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.


For global spenders: UOB PRVI Miles Card

uob-prvi-amex-resized-3

UOB PRVIMILES Visa Card

Apply Now

The minimum spend and cap on miles earned at all times is an important consideration for miles card users.

If that's the case, then you'll be glad to know that the UOB PRVI Miles Card offers not just that, but a fairly high 2.4 mpd on overseas spend and 1.4 mpd on local spend.

It's also a good card to use for your travel and accommodation bookings, because earn rates go up to 6 mpd on major airlines and hotels worldwide via Agoda, Expedia, and UOB Travel.

✨ Read our full review of the UOB PRVI Miles Card here.

Insured by UOI, up to S$500,000 complimentary travel insurance coverage is provided when you charge the travel tickets to your card. The coverage breakdown is as follows:

  • Up to S$500,000 for public conveyance of personal accidents or permanent disability
  • Up to S$50,000 for emergency medical assistance, evacuation, and repatriation (inclusive of COVID-19 coverage)
Source: UOI

UOB PRVI Miles Card's travel insurance coverage covers only the cardholder, and only in the event of personal accident and emergency medical assistance (no travel inconveniences).

What's more, provisions state that benefits for personal accident coverage can only be claimed in the event of Death or Permanent Total Disablement from gainful employment of any and every kind, which is a pretty high threshold.

If you're looking for more comprehensive coverage, especially related to travel inconvenience, we highly recommend that you purchase a separate travel insurance policy for that.


For all-round local spenders: Maybank Horizon Visa Signature Card

The Maybank Horizon Visa Signature Card lets you earn a whopping 3.2 mpd (8X TREATS points) on dining, petrol, taxi fares, and Agoda hotel bookings via agoda.com/horizon.

Besides that, you also earn 2 mpd (5X TREATS points) on air tickets, travel & cruise packages, and foreign currency transactions. The complimentary access to selected VIP airport lounges is also a nice touch.

Not to mention, all of this is available at only S$300 minimum spend per month, which is a ridiculously low spend for credit cards. The only downside is that all these categories only earn the bonus miles if redeemed on Maybank TREATS SG app.

✨ Read our full review of the Maybank Horizon Visa Signature Card here.

Insured by Etiqa, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. The coverage breakdown is as follows:

  • Up to S$1,000,000 for accidental death or total permanent disability (on public transport during tours)
  • Up to S$5,000 for repatriation of mortal remains 
  • Up to S$400 for missed flight connection
  • Up to S$1,000 for baggage loss
  • Up to S$400 for baggage delay

Source: Maybank

Do note that the Maybank Horizon Visa Signature Card falls under "Card Type 3" which grants the highest tier of coverage received.

What's more, you can rest assured that you and your family members are insured accordingly for the various coverage benefits. The policy even explicitly details the coverage amount reimbursed depending on if you're claiming for just yourself, your family member, or both you and your family members together. 

Overall, the complimentary coverage is beneficial if you enjoy the attractive miles-to-dollar rate but still want to be assured of basic travel insurance when you travel overseas.

PP_TI_ETIQA

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 48% off. T&Cs apply. Valid till 25 November 2023. T&Cs apply.

Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount on your COVID-19 add-on when you apply. Fulfillment by TIQ. Valid till 30 November 2023. T&Cs apply.

Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Plus, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

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.

 


Find More About Travel Insurance Providers

Compare different travel insurance plans to find the best and most suitable coverage for you on your trip. Alternatively, filter through the Best Travel Insurance on our site to identify the right plans offering the sufficient type of coverage you need.

Find the Best Travel Insurance for You

 

Although she struggles *slightly* in resisting good deals and sales, Emma is on a lifelong journey to understand what financial independence as a Z-llennial means. That said, her inner child is still very much alive… with animals and gaming being her weaknesses.

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