Pros and cons
| Pros | Cons |
| Full Terrorism Cover | No benefit claimable for losses of customer loyalty points used to pay for any part of your trip |
| Unlimited medical evacuation cover | No pre-existing conditions cover |
| FWD SG App for seamless payment | No benefit payable for participation in sports activities as a professional or for financial reward |
| COVID-19 add-on coverage |
Policy exclusions
The list of exclusions for this policy include the following:
- Pre-existing conditions (including mental, psychological, psychiatric disorders)
- Travelling when medically unfit/against Medical Practitioner’s advice/for the purpose of seeking medical advice
- Childbirth/pregnancy-related complications
- Any sexually transmitted infections, Human Immunodeficiency Virus (HIV) or any HIV-related illnesses
- No benefit claimable for losses of customer loyalty points used to pay for any part of your trip
- Travelling against the advice of regulatory authorities/to a country at war
- Items taken/destroyed by customs or other officials
- Participation in sports activities as a professional or financial reward
- Claims covered by other insurance
The full list of exclusions is available in the policy wording.
Types of plans
FWD provides three tiers of plans with different coverage levels and prices - Premium, Business, and First. For more details, please read the full list of benefits and exclusions in the policy wording.
| Plan Type | Cancellation | Medical Coverage (Overseas) | Bags/Belongings |
| Premium | S$7,500 | S$200,000 | S$3,000 |
| Business | S$10,000 | S$500,000 | S$5,000 |
| First | S$15,000 | S$1,000,000 | S$7,500 |
Add-Ons/Optional Riders: COVID-19 Cover, Car Rental Excess Cover, Sports Equipment Protector, Pet Care, Home Content Cover
FWD Premium Plan
FWD Premium Plan, with its near unbeatable low pricing, is good for travellers who are looking for bargain deals. In terms of travel inconveniences, FWD Premium Plan offers a benefit limit of up to S$150 for baggage delay (at S$150 for every six hours of baggage delay overseas and S$150 after six hours of baggage delay in Singapore). Personal accident coverage is up to S$200,000.
FWD Business Plan
If you plan to drive and rent a vehicle for a road trip, FWD Business Plan offers payment of rental car excess if you have an accident capped at S$500. In terms of baggage delay, the benefit limit is at S$600 (capped at S$150 for every six hours of baggage delay overseas and S$150 after six hours of baggage delay in Singapore). Personal accident coverage is up to S$300,000.
FWD First Plan
FWD First Plan is the one with the highest limit out of the three types of plans, with payment of rental car excess if you have an accident, capped at S$1,000, baggage delay benefit limit is at S$900 (payable at S$150 for every six hours of baggage delay overseas and S$150 after six hours of baggage delay in Singapore) and personal accident coverage is up to S$400,000. FWD First Plan is good for travellers who want a cheap price with a relatively decent amount of coverage.
COVID-19 add-on coverage
Since COVID-19 hasn’t magically disappeared from our lives, getting covered for COVID-19 is critical to protect ourselves and our loved ones. The COVID-19 enhanced travel benefit covers Single Trip Plans with travel periods of 90 days and less, from S$11.50. This is also available for Annual Trip plans with a duration of up to 90 days per trip.
With the COVID-19 add-on coverage, you get up to S$200,000 coverage for medical expenses relating to COVID-19 incurred after and during your trip. If you need hospitalisation, the plan also offers a reimbursement of S$100 per day during your trip or up to 14 days after you arrive back in Singapore.
On top of that, you’ll also be reimbursed up to S$5,000 for additional travel and accommodation costs if you could not go ahead with your trip (that starts in Singapore) because you were diagnosed with COVID-19 30 days before the trip started.
Pricing
We will look at pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. All stated premiums are before discounts, if any.
Basic Plan (Premium Plan)
| Trip Type | FWD Premium Plan |
| 1 week Asean | S$30 |
| 1 week Asia (including Australia and New Zealand) | S$32.40 |
| 1 week Worldwide | S$50.40 |
| Annual Asean | S$259.55 |
| Annual Asia (including Australia and New Zealand) | S$275.50 |
| Annual Worldwide | S$345.10 |
Mid-Tier Plan (Business Plan)
| Trip Type | FWD Business Plan |
| 1 week Asean | S$40.80 |
| 1 week Asia (including Australia and New Zealand) | S$50.40 |
| 1 week Worldwide | S$64.80 |
| Annual Asean | S$369.75 |
| Annual Asia (including Australia and New Zealand) | S$382.80 |
| Annual Worldwide | S$553.90 |
Top-Shelf Plan (First Plan)
| Trip Type | FWD First Plan |
| 1 week Asean | S$52.80 |
| 1 week Asia (including Australia and New Zealand) | S$63.60 |
| 1 week Worldwide | S$87.60 |
| Annual Asean | S$407.45 |
| Annual Asia (including Australia and New Zealand) | S$429.20 |
| Annual Worldwide | S$620.60 |
How to make a claim
To make a claim, please call FWD Emergency Assistance at +65-6322-2072 or alternatively, click here to access their claims portal.
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 is 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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