5 Best Travel Insurance Plans for Cruise-to-Nowhere Holidays (2023)
Can't leave the work desk for too long? You can consider taking a short getaway on a cruise to nowhere. But before you get on that cruise liner, be sure to get the right travel insurance plan. Here are five options to cover your vacation on the high seas.
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Though many would choose a specific destination for their vacations, going on a cruise to nowhere is still worthwhile today for its own appeal.
And if you think you don’t need travel insurance for your voyage, you thought wrong. There are still a myriad of reasons why travel insurance is important on cruise ships.
If you’re thinking of going on a cruise to nowhere soon, here are the best travel insurance plans to consider!
- Best cruise travel insurance
- FAQs
Travel Insurance Promotions
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.
Travel Insurance | Premium for Individual Cover | Covid-19 Coverage | Promotion |
Starr TraveLead Travel Insurance
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from S$11.05 (for 1 week in ASEAN)
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Yes
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Get up to $50 Grab Vouchers (min. Premium $30) and get 35% off when you use promo code SSVTL35. Valid till 10 Dec 2023. T&Cs apply. Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 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. Promotion ends on 31 December 2023. T&Cs apply.
Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions! T&Cs apply.
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MSIG Travel Easy
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from S$34.10 (for 1 week in ASEAN)
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Yes
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Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 17 December 2023. T&Cs apply. Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.
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.
Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions! T&Cs apply. |
Allianz Travel Insurance
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from S$34.10 (for 1 week in Asean)
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Yes
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Use promo code SSV50 to get 50% discount, up to $35 Grab Vouchers, and 1x Airalo eSim with up to 3GB data (minimum premium of $60) when you apply NOW! Valid till 8 December 2023. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply. |
FWD Travel Insurance
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from S$22.50 (for 1 week in Asean)
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Yes
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Use the promo code SSTRIP to get a 30% discount on Single Trip and 25% discount on Annual Trip plans! Valid till 8 Dec 2023. T&Cs apply. Also receive: 1x Apple AirTag (worth $45) for the first 3,800 applicants. Valid till 5 January 2024. T&Cs apply. Additionally, be included in the following draws below: Best Price TI weekly draw: Enjoy 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.
101! Milestone Giveaway: Enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions! T&Cs apply.
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Etiqa (TIQ) Travel Insurance |
from S$39 (for 1 week in Asean)
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Yes
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Single Trip: Use the promo code TIQSINGSAVER to get 48% off. Valid till 18 Dec 2023. T&Cs apply.
Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 31 Dec 2023. T&Cs apply.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply.
Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023. T&Cs apply. |
Singlife Travel Insurance
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from S$46.20 (for 1 week in ASEAN)
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Yes
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Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 31 December 2023. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply.
Annual Trip: Get a 25% discount when you use the promo code ANNUAL25. Valid till 31 Dec 2023. T&Cs apply. |
Allied World Travel Insurance
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from S$45 (for one week in Asean)
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Yes
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Enjoy a 45% discount for Single Trip and 15% discount for Annual Trip when you apply now! Valid till 31 Dec 2023. T&Cs apply.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply |
AIG Travel Guard® Direct
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from S$30 (for 1 week in Asean)
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Yes
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Single Trip: Enjoy 20% off with promo code SS20OFF. Valid till 12 Dec 2023. Additionally get $20 PayNow! (minimum premium of $80). Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec. T&Cs apply.
Annual Trip: Apply promo code SSTGD to receive $200 PayNow! Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec 2023. T&Cs apply.
Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply. |
Great Eastern Travel Insurance
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from S$52 (for one week in Asean)
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Yes
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Single Trip: Get an 30% discount when you use the promo code TSP30S. Valid till 31 Dec 2023. T&Cs apply.
Annual Trip: Get an 10% discount when you use the promo code TSP10A. Valid till 31 Dec 2023. T&Cs apply. Discount is only valid for Elite and Classic plans.
Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) 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. Promotion ends on 31 December 2023. T&Cs apply. |
Seedly Travel Insurance
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from S$49.80 (for 1 week in Asean)
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No
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Receive 25% off and 1x Airalo eSIM worth up to 3GB data when you apply NOW! Valid till 31 December 2023. T&Cs apply. Win the equivalent of a return flight for 2 to Bali (via S$600 Klook voucher). T&Cs apply. |
Best Cruise Travel Insurance Singapore
Product |
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Apply |
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![]() Tiq Travel Luxury
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Medical expenses: Up to S$1m (post-trip: Up to S$10,000) |
Medical expenses: Up to S$300,000
Quarantine allowance: Up to S$1,500 (S$100/day) Trip cancellation, curtailment or disruption: Up to S$5,000 Travel postponement: Up to S$1,500 |
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![]() Starr TraveLead Gold Plan - Southeast Asia (Annual)
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Cruise coverage available as an add-on
Medical expenses: Up to S$1,000,000 Accidental death and disablement: Up to S$500,000 Trip cancellation or curtailment: Up to S$15,000 Trip postponement: Up to S$1,500 Personal effects: Up to S$7,500 Travel delay: Up to S$800 (S$100/6h) |
Medical expenses: Up to S$65,000
Trip curtailment and cancellation: Up to S$500 |
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![]() Allianz Travel Insurance Platinum Plan
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Trip cancellation or interruption: Up to S$10,000
Trip delay: Up to S$1,600 Accidental death and disablement: Up to S$100,000 Lost, stolen or damaged baggage: Up to S$5,000 Delayed baggage: Up to S$1,000 |
No separate limits for COVID-19
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![]() SOMPO Travel Insurance (Superior)
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Medical expenses: Up to S$400,000 (post-trip: Up to S$10,000)
Accidental death and disablement: Up to S$500,000 Hospital allowance: Up to S$6,000 (S$200/day) Trip cancellation, postponement or curtailment: Up to S$10,000 Loss or damage of personal belongings: Up to S$2,500 |
Medical expenses: Up to S$200,000
Hospital or quarantine allowance: Up to S$1,400 Trip cancellation or postponement: Up to S$4,000 with S$100 excess Trip curtailment or disruption: Up to S$2,000, with S$100 excess |
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Cruise benefits:
- Up to S$1m for medical expenses, and S$10,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$20,000 (S$200/day) hospital allowance
- Up to S$10,000 for trip cancellation, and up to S$5,000 for trip curtailment
- Up to S$3,000 cover for personal effects
- Up to S$500 (S$50/3 hours) for travel delay
COVID-19 limits:
- Up to S$300,000 for medical expenses
- Up to S$1,500 (S$100/day) quarantine allowance
- Up to S$5,000 for trip cancellation, curtailment or disruption
- Up to S$1,500 for travel delay
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Entry: S$27
- Savvy: S$39
- Luxury: S$47
TIQ recently extended insurance cover for COVID-19 as well as cruise-to-nowhere for its TIQ Travel Insurance plan, earning it a spot on our list.
The standouts here are the high claims limits for medical expenses while overseas, along with a modest benefit for follow-up treatment when you’re back in Singapore.
Also included are benefits of up to S$10,000 for trip cancellation, and up to S$5,000 for trip curtailment, along with up to S$3,000 worth of cover for personal belongings and luggage.
In terms of COVID-19 cover, you will get as much as S$300,000 overseas medical expense benefit, as well as up to SS$1,500 quarantine allowance, at the rate of S$100/day.
Testing positive before your cruise, or having it cut short due to an outbreak, will entitle you to claims of up to S$5,000. As for travel delays caused by COVID-19, you can claim up to S$1,500 in benefits.
SingSaver's Exclusive TIQ Travel Insurance Promotion:
Single Trip: Use the promo code TIQSINGSAVER to get 48% off. T&Cs apply. Valid till 18 December 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 31 December 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. 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.
Cruise benefits:
- Up to S$500,000 for accidental death and disablement
- Up to S$1,000,000 for medical expenses
- Up to S$800 for travel delay (S$100/6 hours)
- Additional S$3,000 for trip cancellation and interruption
- S$6,000 for cruise cancellation and interruption
- S$1,000 excursion tour cancellation
- S$200 for satellite phone coverage
COVID-19 limits:
- Up to S$65,000 for COVID-19 medical expenses
- Up to S$500 for trip curtailment and trip cancellation
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Bronze: S$33.50
- SIlver: S$41.50
- Gold: S$50.50
Starr TraveLead travel insurance offers cruise coverage as an add-on, so it doesn't come with the plan you purchase.
At an affordable price, you get decent coverage of up to S$500,000 for accidental disablement and death, and up to S$1,000,000 for medical expenses if you opt for the Gold plan.
As for cruise coverage, you get additional S$3,000 trip cancellation and interruption, S$6,000 for cruise cancellation and interruption, S$1,000 excursion tour cancellation and S$200 for satellite phone coverage in the event that the insured person must return directly to Singapore following injury or sickness of the insured person or traveling companion.
SingSaver's Starr TraveLead Exclusive Promotion: Get up to $50 Grab Vouchers and get 35% off when you use promo code SSVTL35. Valid till 12 Dec 2023. T&Cs apply. Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.
Apply now & pick your reward, and you'll automatically be enrolled in our lucky draws:
- Best Price Travel Insurance Weekly Draw: Get up to 3x chances to win 1x flight ticket reimbursement & 12x Samsonite Volant Spinner 68/25 EXP (worth S$480). T&Cs apply.
- 101! Milestone Giveaway: Enjoy 1x chance to win your share of up to S$200,000 in prizes in our epic weekly lucky draw, including S$5,000 bonus cash each week! 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.
Cruise benefits:
- Up to S$25,000 for denied boarding
- Up to S$1,000 for cabin confinement
- Overseas medical expenses up to S$1 mil (69 years and below in age)
- Up to S$15,000 for trip cancellation or interruption
- Up to S$1,600 for trip delay
COVID-19 limits:
- As per cruise benefits
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Bronze: S$42
- Silver: S$58
- Platinum: S$82
A positive COVID-19 test during your cruise can cause you to be denied boarding, or perhaps worse — confined in your cabin until the liner returns to Singapore.
Those are terrible situations to be caught in, but with the Allianz Travel Comprehensive plan, you’ll at least have some benefits to fall back on.
Available only on the Platinum tier, these cruise-specific insurance benefits will reimburse you up to S$25,000 for denial of boarding, and up to S$1,000 should you need to be confined in your cabin.
You can also enjoy up to S$1 million for medical expenses incurred during an emergency on your trip if you are 69 years old and below. For those who are 70 years old and above, the coverage is capped at S$250,000. This applies to all medical situations, not just COVID-19.
And should your cruise be cut short or cancelled, you will be covered for up to S$15,000. Meanwhile, trip delays are also covered for up to S$1,600. Such delays may be caused by instances due to sanitisation or other reasons.
SingSaver's Allianz Travel Insurance Exclusive Promotion: Use promo code SSV50 to get 50% discount, up to $35 Grab Vouchers, and 1x Airalo eSIM with up to 3GB (minimum premium of $60) when you apply NOW! Valid till 31 December 2023. T&Cs apply.
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.
Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.
Cruise benefits:
- Up to S$400,000 for medical expenses, and S$10,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$6,000 (S$200/day) hospital allowance
- Up to S$10,000 for trip cancellation, curtailment or postponement
- Up to S$2,500 for loss or damage of personal belongings
COVID-19 limits:
- Up to S$200,000 for medical expenses
- Up to S$1,400 hospital and/or quarantine allowance
- Up to S$4,000 (S$100 excess) for trip cancellation or postponement
- Up to S$2,000 (S$100 excess) for trip curtailment or disruption
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Essential: S$49
- Superior: S$64
Sompo Travel (COVID-19) Insurance offers a good mix of overseas travel coverage as well as COVID-19 benefits.
For the latter, the plan includes not only emergency medical expenses, but also hospital and/or quarantine allowance.
Also offered are benefits for trip cancellations or disruptions; under normal circumstances, these have decently-sized claims limits.
However, should your cruise be cut short or cancelled because for reasons related to the pandemic, you’ll need to pay a S$100 excess.
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.
Cruise benefits:
- Up to S$1m for medical expenses, and S$75,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$2,000 (S$100/6 hours) for travel delay
- Up to S$8,000 for personal baggage
COVID-19 limits:
- Up to S$200,000 for medical expenses, and up to S$100/day, maximum 14 days for hospitalisation or quarantine
- Up to S$7,000 for trip cancellation or curtailment
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Classic: S$53
- Premier: S$63
- Platinum: S$87
DBS TravellerShield Plus is a travel insurance plan that offers both cruise cover, as well as benefits for COVID-19, which allows you to cover all your bases when taking a holiday cruise.
As highlighted above, this plan also has extremely generous claims limits for all the important areas, with up to S$1m for overseas medical expenses (S$200,000 for COVID-19), up to S$500,000 for accidental death and disablement, and up to S$2,000 for travel delay.
There is also a daily allowance of S$100/day in case of COVID-19-related hospitalisation or quarantine, for as many as 14 days.
And to top it all off, this plan is priced very affordably.
What is cruise travel insurance?
Cruise travel insurance are regular travel insurance plans that offer coverage for cruise-related expenses. They usually cover for any medical expenses and travel disruptions like medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise.
On top of that, there are certain specific coverages that cruise travel insurance offers like cruise cancellation and disruption by the company, satellite phone coverage and cabin confinement.
Does cruise travel insurance have annual plans too?
Most cruise travel insurance are regular travel insurance that have additional coverage for cruise-related expenses.
Since there are no specific travel insurance providers that offer travel insurance plans solely for cruise coverage, you can opt for an annual or single-trip travel insurance with cruise coverage.
Does cruise travel insurance only cover for cruise to nowhere?
Unless stated otherwise, travel insurance with cruise coverage cover all types of cruises.
Read these next:
5 Reasons Travel Insurance Is Extra Important On Cruise Ships
Cruise To Nowhere: Is It Worth Your Money And Time?
Best Travel Insurance Plans With COVID-19 Coverage
Best Travel Insurance Plans And Promotions In Singapore
5 Ways To Score Discounts On Your Next Cruise To Nowhere