Which Credit Card Has The Best Travel Insurance?

Emma Lam

Emma Lam

Last updated 28 February, 2024

Get Your Best Credit Card for Travel Insurance

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 (many of which are air miles credit cards) come with a free travel insurance plan. All you have to do is 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 the best credit cards in Singapore to find the ones with the best complimentary travel insurance plans. But before we show you our recommendations, it helps to understand what your travel 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 8 Feb 2024.


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? 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 Is Credit Card Travel Insurance?

Credit card travel insurance is a type of complimentary feature that comes with select credit cards, particularly those aimed at travellers. This added benefit provides financial protection against unforeseen events affecting your trip. 

Essentially, if you book your travel using a card offering this perk and encounter issues such as trip cancellations, delays, or medical emergencies, you could receive compensation for your losses. There are plenty of cards that come with complimentary travel insurance, and you need to find the policy that fits your needs.

So, if you’re a frequent traveller and you’re applying for a new credit card, it’s worth considering one with free travel insurance.


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.

See also: Best Travel Insurance in Singapore

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.

 


What Does Credit Card Travel Insurance Not Cover?

While credit cards with complimentary travel insurance offer a safety net for various travel-related mishaps, such as lost luggage or flight delays due to adverse weather, they still have limitations. For one, of course, merely possessing a card does not automatically grant access to insurance coverage or the ability to make claims.This is because the scope of coverage can vary significantly between issuers and the specific credit card you possess. 

For instance, emergency medical evacuation, a critical concern for many travellers, is rarely included in credit cards with free travel insurance coverages. 

Moreover, credit card travel insurance typically excludes issues arising from pre-existing conditions, travel to conflict zones, engaging in high-risk activities, or financial instability, similar to many travel insurance plans offered by providers So, when you’re planning to get a credit card with complimentary insurance, familiarise yourself with the exclusions. This way, you know exactly how effectively protected you are. 


Does Travel Insurance Cover Me If I Cancel My Flight?

If you’re wondering whether your free travel insurance still covers you when you cancel your flight, you must check the specifics of your credit card’s policy. In general, here are some details to consider:

Documentation Requirements

When a flight is cancelled, credit card travel insurance policies typically necessitate submitting adequate documentation to substantiate your claim. This could include proof of the cancellation and any correspondence with the airline, showcasing the efforts made to mitigate losses. Ultimately, proper documentation is key to ensuring that your claim is processed efficiently.

Exclusions and Limitations

It's essential to be aware of the exclusions and limitations within your policy. For instance, cancellations due to pre-existing medical conditions, extreme weather conditions, or events that were foreseeable at the time of booking might not be covered. So, you must understand these nuances when relying on a credit card with travel insurance for flight cancellation coverage.

Notification Process

Promptly notifying your insurance provider about the cancellation is imperative for a smooth claim process. Besides, early communication allows for timely support and guidance on the next steps, ensuring that you meet all the necessary requirements for a successful claim.


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
6% cashback on groceries and dining 

8% cashback on all fuel spend and private commute

0.20% 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-card

 

10X UNI$ per S$5 spend or 4 mpd on 2 chosen categories:
  • Beauty & Wellness
  • Fashion
  • Dining
  • Family
  • Travel
  • Transport
  • Entertainment
1X UNI$ per S$5 spend or 0.4 mpd on all other spend
 
Bonus points or miles capped at S$2,000 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 1.2 mpd on local spend:
  • Local dining
  • Transportation (including Grab, Gojek)
  • Petrol
  • Hotel bookings via Agoda
Up to 2.8 mpd on:
  • Air tickets 
  • Travel & cruise packages
  • Foreign currency transactions
Complimentary selected VIP lounge access
 
Min. S$800 spend per month
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 credit 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

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card (Team Air Miles):

Citi_CC_KV2_BLOGARTICLE_800x250

Get a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 6 June 2024. T&Cs apply.


AIG Travel Insurance Claim

If you have enquiries or claims, contact the AIG call centre at 6419 3000 from Monday to Friday, 9 am to 5 pm (except for Public Holidays). For overseas calls, reach AIG’s 24-hour emergency hotline at 6735 2221. Also, don’t forget to quote Policy No. 509C000003 for concerns related to this specific travel insurance that comes with your credit card.

For more details about the Terms and Conditions, click here. You can also download the claim form here.

                                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 6% cashback on groceries as well as on dining (including internationally); plus, it offers 8% on all fuel spend and private commute. 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 credit 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.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Receive the following rewards when you sign up for a Citi Cashback Card (Team Cashback):

Citi_CC_KV2_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Get a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 6 June 2024. T&Cs apply.


AIG Travel Insurance Claim

If you have enquiries or claims, contact the AIG call centre at 6419 3000 from Monday to Friday, 9 am to 5 pm (except for Public Holidays). For overseas calls, reach AIG’s 24-hour emergency hotline at 6735 2221. Also, don’t forget to quote Policy No. 509C000003 for concerns related to this specific travel insurance that comes with your credit card.

For more details about the Terms and Conditions, click here. You can also download the claim form here.


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.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for a Citi PremierMiles Card (Team Air Miles):

Citi PremierMiles_27May_Campaign_BLOGARTICLE_800x250

Receive a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 15,600 KrisFlyer Miles or S$450 eCapitaVoucher or S$300 Cash upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 2 June 2024. T&Cs apply.

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


HL Assurance Travel Insurance Claim

For any enquiries or claims related to the travel insurance provided by HL Assurance, reach out to their call centre at 6702 0202, available from Monday to Friday, 9 am to 6 pm (excluding Public Holidays). If you find yourself needing assistance while overseas, you can also contact their 24-hour emergency hotline at 6922 6009 for immediate support. Meanwhile, for comprehensive information on the terms and conditions applicable to your credit card travel insurance policy, click here.

Should you need to file a claim with HL Assurance Pte Ltd, direct contact can be made at 6922 6003, or through fax at (65) 6224 1923, and via email at claims@hlas.com.sg. Note that the insurance products and services mentioned above are exclusively underwritten and provided by HL Assurance.


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

uob-ladys-solitaire-card

UOB Lady's Solitaire Card Welcome Gift: Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

The UOB Lady's Solitaire Card is a solid miles card offering an earn rate of 4 mpd. Moreover, compared to its counterpart UOB Lady's Card, the Lady's Solitaire variant allows cardholders to earn 4 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$2,000 spend per month, higher than the standard S$1,000 cap. And, despite its title, this credit card is actually available to men too!

✨ 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.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

UOB Lady's Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB Lady's Card (Team Air Miles):

Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

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


AIG Travel Insurance Claim

To initiate a service request or file a non-medical emergency claim on a reimbursement basis, submit a written notification within thirty days following the incident. Note that delayed submissions beyond this 30-day window may jeopardise your claim's approval. For more info about your complimentary insurance, please visit https://sg.mycardbenefits.com or reach out to AIG Asia Pacific Insurance at the following:

Telephone: +65 6419 1667

Operating Hours: 8:30 am – 5:30 pm, Monday to Friday, excluding Public Holidays

Language Supported: English

Email: APAC.Mastercard@aig.com

Moreover, you must adhere to the following steps:

  1. The cardholder, beneficiary, or legal representative must notify the insurer within the stipulated Claim Notification Period to avoid claim denial. Following your notification, AIG Singapore will gather the necessary details and guide you through the next steps.
  2. Ensure all requisite documentation (e.g., certificate of registration, evidence of loss) is submitted within the designated Submission Period as specified herein.

AIG Asia Pacific Insurance Pte Ltd ("AIG Singapore") is the underwriter for the insurance policy mentioned. Be aware that additional documentation might be requested during the claim processing phase. 

For claims assistance, please contact the aforementioned numbers.

For medical-related travel claims, including medical expenses, emergency evacuations, and related benefits, notifications must be submitted within ninety days from the loss date. Moreover, all required documentation must be submitted within ninety days from the notification date. This includes medical reports, proof of transaction, hospital documents, and, if relevant, COVID-19 test results and quarantine mandates. 

Note: Additional evidence may be requested based on your claim's specifics.


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 credit 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.

UOB PRVI Miles Visa Card Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 30 June 2024 . T&Cs apply.

Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Plus, get another 4,800 miles (a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months.Valid till 30 June 2024 . T&Cs apply.


UOI Travel Insurance Claim

For enquiries about your complimentary insurance, contact the Claims Department at 6222 7733 during business hours:

Monday to Thursday: 8:45 am to 5:45 pm

Friday: 8:45 am to 4:45 pm
Closed on weekends and Public Holidays

You can also reach out to UOI through the following:

Fax number: 6327 3869

Email: ContactUs@UOI.com.sg
Address: 146 Robinson Road, #02-01 UOI Building, Singapore 068909


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

The Maybank Horizon Visa Signature Card lets you earn 1.2 mpd (3X TREATS points) on dining, petrol, taxi fares, and Agoda hotel bookings via agoda.com/horizon.

Besides that, you also earn 2.8 mpd (7X 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$800 minimum spend per month.

✨ 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.


Etiqa Travel Insurance Claim

For enquiries about claims, contact Etiqa’s Customer Care Officers via WhatsApp/call at 6887 8777 or send them an email at customer.service@etiqa.com.sg. Note that claims must be submitted through the Tiq by Etiqa App or TiqConnect.


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, while looking for credit cards, 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


So, which is the best credit card with free travel insurance in Singapore?

It's evident that finding the best credit card with free travel insurance in Singapore hinges on matching your spending habits and travel needs with the right card. Choosing the ideal card means not only enjoying the perks of cashback, miles, or rewards but also securing a layer of protection on your travels without additional cost. As policies and benefits may vary, it's vital to review the current terms and consider how each card's travel insurance coverage aligns with your travel priorities. 

Why not secure your peace of mind on your next journey? Explore your options and select the credit card that not only rewards your spending but also blankets your travels with complimentary yet comprehensive insurance coverage. Take the first step towards smarter travel by choosing the right card today.

 

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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