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Frequently Asked Questions
How do I choose the best travel insurance?
1. Understand and evaluate the overall coverage
It is important to evaluate the overall coverage offered by a policy. This includes looking at the types of incidents covered, such as medical emergencies, lost or stolen baggage or belongings and trip cancellations. These are just some of the few things you will need to look at in order to determine whether a travel insurance plan best serves your needs.
2. Compare the costs
In order to find the best value, you should always compare the costs of different policies. The things you need to look at and consider are the premiums and any form of deductibles or copayments. Please also bear in mind that the costs will vary depending on the length and type of trip you are taking. Ensuring you are aware of all the costs will help you in finding the most suitable plan for you.
3. Coverage for risky activities
If you are planning for an adventure that includes sports or extreme excursions, ensure that your travel insurance provides sufficient coverage for the types of activities that you will engage in. When it comes to indulging in risky activities during your travels, some travel insurance providers will exclude specific activities from coverage whilst some will charge extra premium in order to provide the coverage.
4. Take into account your trip duration
The duration of your trip also may impact the suitability of the travel insurance policy. Some insurance providers only provide coverage for a limited period of time and it varies between the different providers. You have to ensure that the insurance plan you are applying for provides coverage for the whole duration of your trip.
5. Check for 24/7 assistance
Having access to round-the-clock 24/7 assistance is especially useful when you're faced with an emergency while travelling abroad. Do check if the travel insurance provider of your policy provides such services so you can get any queries you have answered as quickly as possible.
6. Understand the fine print
Be sure to thoroughly read the terms and conditions of the travel insurance policy you're applying for. Pay close attention to any special restrictions, exclusions or conditions that may apply to you and your travelling itinerary as it might impact the coverage or cost of the policy.
7. Be aware of any exclusions
Check for any exclusion in the policy of your choice. These exclusions may apply to dangerous activities, pre-existing medical conditions, and natural disasters. Depending on the nature of your trip, do ensure that you are not excluded from any coverage that you require.
8. The reputation of the insurance provider
Look for online reviews or talk to the people around you to understand if the services provided by the insurance provider are up to standard. Some things you need to find out are the speed of processing, the customer service and also the cost and coverage provided by the travel insurance provider to ensure your trip is as hassle-free as possible even if something undesirable happens.
9. Your age and health
The status of your age and health might play a role in the amount of coverage your travel insurance plan provides and also the costs. Pre-existing medical conditions or travellers of a certain age may mean you are at a higher risk of incidents.
10. Look out for travel insurance packaged deals
Travel insurance providers typically offer package deals for travel insurance policies which offer multiple types of coverage which includes medical insurance, trip cancellation insurance and travel interruption insurance. These deals allow you to get a more comprehensive coverage at a cheaper cost as opposed to picking and choosing the types of coverage you need.
Why is travel insurance important?
Travel insurance is important because situations around the world have become a lot more fluid since the COVID-19 pandemic. With the world becoming increasingly connected, many of us are travelling much more than earlier decades, whether for business or leisure. This also makes us vulnerable to unforeseen circumstances when we’re overseas. In times of uncertainty such as calamities or civil commotions, having travel insurance makes navigating such difficult situations a little easier.
What is travel insurance and how does it work?
Travel insurance is a type of insurance that protects travellers from unexpected costs incurred due to travel-related events.
Like all other insurance products, travel insurance helps us manage risk by reducing the amount you have to pay out of your own pocket should something unforeseen happen. The most common risks associated with travelling include flight delays, diversions or cancellations (which may force you to look for your own accommodation and meals), loss/theft of personal items, lost or damaged baggage during transit and medical costs in the case of accidents or sickness.
There are also scenarios that could increase your risks, such as:
1. Doing outdoor activities such as surfing, hiking, skydiving and more
2. Travelling in a group or with elderly
3. Renting a vehicle for a road trip
4. Travelling to less developed countries
In the wake of the COVID-19 pandemic, it’s also recommended to purchase policies with COVID-19 coverage to financially protect you should you need to receive COVID-19-related medical treatment or hospitalisation while overseas.
It is not mandatory for travellers from Singapore to purchase travel insurance, but it does help to give peace of mind when unexpected or unprecedented travel disruptions happen.
What does travel insurance in Singapore cover?
1. Overseas Medical Costs
If you are diagnosed with an unexpected illness while travelling, you can claim for necessary and reasonable medical costs overseas. Coverage is usually valid for up to 90 days from the start of your trip and may vary based on your plan and age group. Comparing travel insurance plans helps you find those with the highest limits and most comprehensive medical coverage.
2. Overseas Allowance for Hospital Stays
Many travel insurance plans now include reimbursements for hospital stays abroad. This benefit has become particularly important due to the COVID-19 pandemic, providing peace of mind for travellers. It ensures that you receive financial support if you're hospitalised, helping to cover daily expenses during your stay.
3. Emergency Medical Evacuation and Repatriation
This benefit covers the costs of emergency medical evacuation and repatriation, including the return of mortal remains to Singapore. It ensures that you can get the necessary medical help during severe health emergencies, regardless of your location. This is particularly crucial for travellers engaging in high-risk activities or visiting remote areas.
4. Cancellation/Alteration/Interruption/Delay of Trip
Travel plans can change unexpectedly due to severe illness, injury, or other unforeseen events. Travel insurance can cover trip cancellations, postponements, delays, and interruptions, providing reimbursement for non-refundable expenses. This coverage is essential for protecting your investment in your trip and can include compensation for accommodation, flights, and other prepaid services.
5. Flight Cancellation Linked to Known Event
Events known publicly before your trip may not be covered under travel insurance. However, if you purchased your tickets and activated your insurance before the event became public knowledge, you might still be eligible for a claim.
6. Compensation in Cancelled Flight with Refund/Replacement
If your flight is cancelled but you receive a refund or are put on a replacement flight, travel insurance generally covers only unrecoverable costs. You may still claim for trip delay benefits, such as extra accommodation or meal costs. This ensures that even with unforeseen disruptions, you won't be left out-of-pocket for essential expenses during your journey.
7. Cancellation of Own Flight/Trip
Insurance typically covers unforeseen events beyond your control. If you change your travel plans voluntarily, you generally cannot claim unless your policy includes a "Cancellation for Any Reason" benefit.
8. Pre-Existing Conditions
Although not commonly included in most travel insurance plans, some insurers offer coverage for pre-existing conditions. This type of coverage, often available at a higher premium, can be a lifesaver for travellers with chronic health issues. It ensures that they receive necessary medical care without incurring exorbitant costs, providing peace of mind and financial protection during their travels. When you compare travel insurance options, look for those that explicitly include pre-existing condition coverage to find the best fit for your needs.
9. Natural Disasters
Travel insurance can provide coverage for trip disruptions caused by natural disasters, ensuring you are not financially burdened by these uncontrollable events. This includes coverage for evacuation, accommodation, and other expenses if a natural disaster affects your travel plans. Being prepared with the best travel insurance in Singapore can provide peace of mind during such unpredictable situations.
10. Adventure Sports
For those seeking adventure, some travel insurance plans cover activities like skiing, scuba diving, and bungee jumping. It's essential to check if your chosen policy includes these sports to ensure you're fully protected. Engaging in high-risk activities without appropriate coverage can lead to significant financial liabilities, making it crucial to compare travel insurance Singapore options carefully.
What types of COVID-19 coverage should I look out for when buying travel insurance?
1. COVID-19-related Medical Coverage
This includes expenses for medical treatment if you contract COVID-19 while travelling. It's vital to check the limits and conditions to ensure they meet your needs, especially in countries with high medical costs.
2. COVID-19-related Overseas Hospital Cash
Some policies offer daily cash benefits if you're hospitalised abroad due to COVID-19, providing financial relief during a stressful period. This can help cover incidental costs or lost travel opportunities.
3. COVID-19-related Trip Cancellation or Postponement
Seek policies that cover cancellation or postponement costs due to COVID-19, such as positive test results before departure or travel bans. This can save you significant financial loss on pre-booked arrangements.
4. COVID-19-related Emergency Medical Evacuation/Repatriation
In severe cases, you may require medical evacuation or repatriation. Ensure your policy includes coverage for such scenarios linked to COVID-19 to avoid overwhelming expenses.
What are the common exclusions from COVID-19 coverage?
1. Pre-existing conditions
Most travel insurance policies exclude coverage for pre-existing conditions, including those related to COVID-19. It's crucial to understand these exclusions before purchasing a policy to ensure you won’t be left in the lurch should anything unexpected happen.
2. Replacement of traveller or employee before departure
Costs associated with replacing a traveller or employee before departure due to COVID-19 related issues are typically not covered. If you are purchasing a policy as or for an employee, it’s best to consult your company’s HR department for more information on financial protection while overseas or travelling.
3. Extreme sports/professional or competitive sports
Activities deemed high-risk, such as extreme or professional sports, are usually excluded from COVID-19 coverage, along with other standard policy exclusions.
4. Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)
Travel undertaken against the advice or restrictions of governments or public authorities, except under specific COVID-19 circumstances outlined in your policy, will not be covered.
How do travel insurance claims work?
Most insurers now offer an online claims platform. This saves you the hassle of having to make claims in person at the branch office. To get your claims processed quickly, follow these 7 steps for faster travel insurance claims. Be sure to document as many details as possible and keep the original receipts and reports from police, hospitals, airlines, hotels etc. Lastly, always provide proof of travel – the stamp in your passport would usually suffice.
When can you make a travel insurance claim?
Below are some common scenarios where you will need to provide documentation when submitting a travel insurance claim:
1. Travel disruption / cancellation - Written proof of the delay/cancellation from your airline, hotel or travel agent such as an email or message will be needed to claim for travel disruption.
2. Lost / Damaged Personal Belongings - Submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable).
3. Emergency assistance - It’s a good practice to save your insurer’s emergency assistance hotline and your policy details to your phone before travelling. In the event of an emergency, contact your insurer with your policy number to arrange for help.
4. Personal accident/medical expenses - Keep all original receipts, your medical report, and a police report where applicable. File your claim as soon as you’ve returned to Singapore. You may need to submit the original documents by mail.
How to submit your travel insurance claim?
1. Report the incident to your insurance providers
It is important that you inform your travel insurance provider as soon as possible upon the time of incident as it will allow them to start processing your claim and provide you with all the required assistance without any delays. Although most travel insurance providers claim to be made within 30 days via the available channels, it is recommended that you not wait too long.
2. Gather all your relevant documents
To ensure your claims process is as efficient as possible, do remember to gather all the relevant documents that support your claim. Some of the things you might require are:
NRIC, FIN No. or other official forms of ID
Proof of trip such as tickets, receipts, boarding passes, photocopy of passports and visas
Reports or documents from the airline or relevant authority acknowledging the loss of baggage
Medical reports or any related evidence in the form of photos and/or emails
Proof of ownership of lost baggage and items
3. Submit your claim
Upon gathering all necessary documents, promptly submit your claim to the travel insurance companies. Most travel insurance companies offer the option of submitting claims via online means or in person - whichever is most convenient for you.
4. Wait for review
After your claim has been submitted, the insurance company will do a review of your claim submission to determine your eligibility for coverage. This process may take several days to a few weeks depending on the complexity and severity of your case. Ensure you are contactable throughout this period as your travel insurance provider might contact you for further clarification.
Compare the Best Travel Insurance Plans 2025 by Insurance Provider
| Insurance Provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Loss or Baggage | Premium |
|---|---|---|---|---|---|
| Starr TraveLead Essential with COVID-19 Coverage (Bronze Plan) | Coverage Customisation | S$200,000 | S$0 | S$0 | From S$29 |
| MSIG TravelEasy Pre-Ex | Pre-existing medical conditions, sports/adventures | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| TIQ Travel Entry | Family plans, hospital allowance | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| FWD Premium (COVID-19 Rider Available) | Budget single trip plan, emergencies | S$200,000 | S$7,500 | S$3,000 | From S$17 |
| AIG Travel Guard Direct (Standard) | COVID-19 overseas medical related expenses | S$200,000 | S$5,000 | S$3,000 | From S$23 |
| Allianz Travel Comprehensive | High medical coverage | S$200,000 | S$5,000 | S$3,000 | From S$33 |
| Singlife Travel Lite | Protection of your frequent flyer points, overseas wedding & photoshoot | S$200,000 | S$5,000 | S$3,000 | From S$47 |
| Sompo Travel (COVID-19) Insurance | Baggage delay | S$250,000 | S$5,000 | S$1,000 | From S$36 |
| Allied World Travel Protector Plan 1 | Comprehensive bonus benefits | S$200,000 | S$5,000 | S$3,000 | From S$32 |
| Singlife travel insurance plans | Best comprehensive coverage | S$250,000 | S$5,000 | S$3,000 | From S$47 |
| Singlife travel insurance plans | Best medical coverage | S$250,000 | S$5,000 | S$3,000 | From S$33 |
| FWD travel insurance plans | Best affordability (lowest premiums) | S$200,000 | S$7,5000 | S$3,000 | From S$17 |
| TIQ travel insurance plans | Best flight diversion/cancellation/postponement | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| AIG Travel Guard Plans | Best baggage loss coverage | S$200,000 | S$5,000 | S$3,000 | From S$23 |
| Singlife travel insurance plans | Best natural disaster coverage | S$250,000 | S$5,000 | S$3,000 | From S$47 |
| TIQ travel insurance plans | Best for adventure activities and extreme sports | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| MSIG TravelEasy Pre-Ex Plans | Best for pre-existing conditions | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| AIG Travel Guard annual multi-trip plans | Best for frequent travellers | S$200,000 | S$5,000 | S$3,000 | From S$489 |
| MSIG TravelEasy Pre-Ex plans | Best for pregnant travellers | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| DirectAsia travel insurance plans | Best for family travellers | S$150,000 | S$3,000 | S$1,000 | From S$25 |
| Allianz travel insurance plans | Best COVID-19 coverage | S$200,000 | S$5,000 | S$3,000 | From S$33 |
| FWD travel insurance plans | Best cancellation for any reason coverage | S$200,000 | S$7,5000 | S$3,000 | From S$17 |
| Singlife travel insurance plans | Best for rental vehicle excess | S$250,000 | S$5,000 | S$3,000 | From S$47 |
| Starr TraveLead plans | Best cruise coverage | S$200,000 | S$0 | S$0 | From S$29 |
| Income Travel Insurance Standard Plan | Best post-departure travel insurance | S$250,000 | S$5,000 | S$3,000 | From $42 |
How Do I Choose the Best Travel Insurance?
Travelling can be an exciting experience but it can also be an expensive one seeing as how there are many uncertainties and potential risks that are involved with going abroad. It is important that you have the best travel insurance coverage to protect you and your trip. With the abundance in availability for travel insurance plans in Singapore, it is only right you know what to look at when picking the most suitable travel insurance plans for you. Here are some of the things you might want to consider before deciding on your choice of travel insurance plans.
1. Understand and Evaluate the Overall Coverage
It is important to evaluate the overall coverage offered by a policy. This includes looking at the types of incidents covered, such as medical emergencies, lost or stolen baggage or belongings and trip cancellations. These are just some of the few things you will need to look at in order to determine whether a travel insurance plan best serves your needs.
2. Compare the Costs
In order to find the best value, you should always compare the costs of different policies. The things you need to look at and consider are the premiums and any form of deductibles or copayments. Please also bear in mind that the costs will vary depending on the length and type of trip you are taking. Ensuring you are aware of all the costs will help you in finding the most suitable plan for you.
3. Coverage for Risky Activities
If you are planning for an adventure that includes sports or extreme excursions, ensure that your travel insurance provides sufficient coverage for the types of activities that you will engage in. When it comes to indulging in risky activities during your travels, some travel insurance providers will exclude specific activities from coverage whilst some will charge extra premium in order to provide the coverage.
4. Take Into Account Your Trip Duration
The duration of your trip also may impact the suitability of the travel insurance policy. Some insurance providers only provide coverage for a limited period of time and it varies between the different providers. You have to ensure that the insurance plan you are applying for provides coverage for the whole duration of your trip.
5. Check for 24/7 Assistance
Having access to round-the-clock 24/7 assistance is especially useful when you're faced with an emergency while travelling abroad. Do check if the travel insurance provider of your policy provides such services so you can get any queries you have answered as quickly as possible.
6. Understand the Fine Print
Be sure to thoroughly read the terms and conditions of the travel insurance policy you're applying for. Pay close attention to any special restrictions, exclusions or conditions that may apply to you and your travelling itinerary as it might impact the coverage or cost of the policy.
7. Be Aware of any Exclusions
Check for any exclusion in the policy of your choice. These exclusions may apply to dangerous activities, pre-existing medical conditions, and natural disasters. Depending on the nature of your trip, do ensure that you are not excluded from any coverage that you require.
8. The Reputation of the Insurance Provider
Look for online reviews or talk to the people around you to understand if the services provided by the insurance provider are up to standard. Some things you need to find out are the speed of processing, the customer service and also the cost and coverage provided by the travel insurance provider to ensure your trip is as hassle-free as possible even if something undesirable happens.
9. Your Age and Health
The status of your age and health might play a role in the amount of coverage your travel insurance plan provides and also the costs. Pre-existing medical conditions or travellers of a certain age may mean you are at a higher risk of incidents.
10. Look out for Travel Insurance Packaged Deals
Travel insurance providers typically offer package deals for travel insurance policies which offer multiple types of coverage which includes medical insurance, trip cancellation insurance and travel interruption insurance. These deals allow you to get a more comprehensive coverage at a cheaper cost as opposed to picking and choosing the types of coverage you need.
Why is Travel Insurance Important?
Travel insurance is important because situations around the world have become a lot more fluid since the COVID-19 pandemic. With the world becoming increasingly connected, many of us are travelling much more than earlier decades, whether for business or leisure. This also makes us vulnerable to unforeseen circumstances when we’re overseas. In times of uncertainty such as calamities or civil commotions, having travel insurance makes navigating such difficult situations a little easier.
What is Travel Insurance and How Does it Work?
Travel insurance is a type of insurance that protects travellers from unexpected costs incurred due to travel-related events.
Like all other insurance products, travel insurance helps us manage risk by reducing the amount you have to pay out of your own pocket should something unforeseen happen. The most common risks associated with travelling include flight delays, diversions or cancellations (which may force you to look for your own accommodation and meals), loss/theft of personal items, lost or damaged baggage during transit and medical costs in the case of accidents or sickness.
There are also scenarios that could increase your risks, such as:
- Doing outdoor activities such as surfing, hiking, skydiving and more
- Travelling in a group or with elderly
- Renting a vehicle for a road trip
- Travelling to less developed countries
In the wake of the COVID-19 pandemic, it’s also recommended to purchase policies with COVID-19 coverage to financially protect you should you need to receive COVID-19-related medical treatment or hospitalisation while overseas.
It is not mandatory for travellers from Singapore to purchase travel insurance, but it does help to give peace of mind when unexpected or unprecedented travel disruptions happen.
Best Travel Insurance for Pre-Existing Conditions
Finding the right travel insurance if you have pre-existing conditions is vital.
Make sure you're covered for medical emergencies linked to your health issues abroad. Look for top providers offering coverage for pre-existing conditions to find the right protection.
What Does Travel Insurance in Singapore cover?
Overseas Medical Costs
If you are diagnosed with an unexpected illness while travelling, you can claim for necessary and reasonable medical costs overseas. Coverage is usually valid for up to 90 days from the start of your trip and may vary based on your plan and age group. Comparing travel insurance plans helps you find those with the highest limits and most comprehensive medical coverage.
Overseas Allowance for Hospital Stays
Many travel insurance plans now include reimbursements for hospital stays abroad. This benefit has become particularly important due to the COVID-19 pandemic, providing peace of mind for travellers. It ensures that you receive financial support if you're hospitalised, helping to cover daily expenses during your stay.
Emergency Medical Evacuation and Repatriation
This benefit covers the costs of emergency medical evacuation and repatriation, including the return of mortal remains to Singapore. It ensures that you can get the necessary medical help during severe health emergencies, regardless of your location. This is particularly crucial for travellers engaging in high-risk activities or visiting remote areas.
Cancellation/Alteration/Interruption/Delay of Trip
Travel plans can change unexpectedly due to severe illness, injury, or other unforeseen events. Travel insurance can cover trip cancellations, postponements, delays, and interruptions, providing reimbursement for non-refundable expenses. This coverage is essential for protecting your investment in your trip and can include compensation for accommodation, flights, and other prepaid services.
Flight Cancellation Linked to Known Event
Events known publicly before your trip may not be covered under travel insurance. However, if you purchased your tickets and activated your insurance before the event became public knowledge, you might still be eligible for a claim.
Compensation in Cancelled Flight with Refund/Replacement
If your flight is cancelled but you receive a refund or are put on a replacement flight, travel insurance generally covers only unrecoverable costs. You may still claim for trip delay benefits, such as extra accommodation or meal costs. This ensures that even with unforeseen disruptions, you won't be left out-of-pocket for essential expenses during your journey.
Cancellation of Own Flight/Trip
Insurance typically covers unforeseen events beyond your control. If you change your travel plans voluntarily, you generally cannot claim unless your policy includes a "Cancellation for Any Reason" benefit.
Pre-Existing Conditions
Although not commonly included in most travel insurance plans, some insurers offer coverage for pre-existing conditions. This type of coverage, often available at a higher premium, can be a lifesaver for travellers with chronic health issues. It ensures that they receive necessary medical care without incurring exorbitant costs, providing peace of mind and financial protection during their travels. When you compare travel insurance options, look for those that explicitly include pre-existing condition coverage to find the best fit for your needs.
Natural Disasters
Travel insurance can provide coverage for trip disruptions caused by natural disasters, ensuring you are not financially burdened by these uncontrollable events. This includes coverage for evacuation, accommodation, and other expenses if a natural disaster affects your travel plans. Being prepared with the best travel insurance in Singapore can provide peace of mind during such unpredictable situations.
Adventure Sports
For those seeking adventure, some travel insurance plans cover activities like skiing, scuba diving, and bungee jumping. It's essential to check if your chosen policy includes these sports to ensure you're fully protected. Engaging in high-risk activities without appropriate coverage can lead to significant financial liabilities, making it crucial to compare travel insurance Singapore options carefully.
1. Single Trip Insurance
Single trip insurance is the best option for travellers who are taking only one trip as it provides coverage for a specified number of days, typically a period of 180 or 182 days, and the plan can be customised to meet your own needs. Single trip insurance makes perfect economic sense for those who don't travel often but it might not make sense for those who travel very often as it might require a frequent traveller to spend too much applying for the many travel insurance plans for each of their travels.
2. Annual Multi-trip Travel Insurance
Annual multi-trip travel insurance is a travel insurance policy that covers you for multiple trips in a single year. This makes it the best option for those that travel frequently as you don't have to purchase a new insurance plan each time you travel.
3. Individual Travel Insurance Plan
An individual travel insurance plan is a policy designed for individuals travelling domestically or internationally. So if you are travelling solo or purchasing insurance for yourself then you probably should apply for an individual travel insurance plan.
4. Family Travel Insurance Plans
Family travel insurance plans are comprehensive insurance policies designed to protect families travelling domestically or internationally. This type of travel insurance plan is perfect if you are travelling as a group with your family members - subjected to the maximum number of adults and children to be covered under the insurance plan. This makes it a more cost-effective way to ensure all your family members have sufficient travel insurance coverage.
Best Travel Insurance (with COVID-19 Coverage) Plans in 2025
Want to be extra careful with insuring you or your travel companions against COVID-19 while on the road or in the air? Here are the best travel insurance plans with COVID-19 coverage in Singapore to help you make the right choice!
Premium plans are based on a basic tiered single travel insurance for a five-day trip to Brunei (ASEAN Region). The coverage also differs according to different tiered plans. Do note that FWD is the only insurer that offers COVID-19 coverage in the form of an additional rider; the rest of the providers offer plans with built-in coverage.
| Travel Insurance Plan | Highlights | Premium (Before Discount) |
|---|---|---|
| MSIG TravelEasy |
|
From S$42.00 |
| Tiq Travel Insurance |
|
From S$14.00 (The price here is for the COVID-19 Rider only) |
| Starr TraveLead Travel Insurance |
|
From S$15.00 |
| AIG Travel Guard |
|
From S$30.00 |
| FWD Travel Insurance — COVID-19 Rider |
|
From S$16.97 (The price here is for the COVID-19 Rider only) |
| Singlife Travel Insurance |
|
From S$30.07 |
| Allianz Travel Insurance |
|
From S$64.00 |
| Sompo Travel (COVID-19) Insurance |
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 only need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test if it’s a requirement by the destination country. |
From S$40.00 |
| Allied World Travel Protector |
|
From S$45.00 |
| Income Travel Insurance Standard Plan |
|
From $42.18 |
Best Annual Travel Insurance Plans
Top annual travel insurance plans in Singapore
Travelling multiple times in a year? Explore and find the coverage most suitable for you.
What Types of COVID-19 Coverage Should I Look Out for When Buying Travel Insurance?
1. COVID-19-related Medical Coverage
This includes expenses for medical treatment if you contract COVID-19 while travelling. It's vital to check the limits and conditions to ensure they meet your needs, especially in countries with high medical costs.
2. COVID-19-related Overseas Hospital Cash
Some policies offer daily cash benefits if you're hospitalised abroad due to COVID-19, providing financial relief during a stressful period. This can help cover incidental costs or lost travel opportunities.
3. COVID-19-related Trip Cancellation or Postponement
Seek policies that cover cancellation or postponement costs due to COVID-19, such as positive test results before departure or travel bans. This can save you significant financial loss on pre-booked arrangements.
4. COVID-19-related Emergency Medical Evacuation/Repatriation
In severe cases, you may require medical evacuation or repatriation. Ensure your policy includes coverage for such scenarios linked to COVID-19 to avoid overwhelming expenses.
Common Exclusions from COVID-19 Coverage
1. Pre-existing conditions
Most travel insurance policies exclude coverage for pre-existing conditions, including those related to COVID-19. It's crucial to understand these exclusions before purchasing a policy to ensure you won’t be left in the lurch should anything unexpected happen.
2. Replacement of traveller or employee before departure
Costs associated with replacing a traveller or employee before departure due to COVID-19 related issues are typically not covered. If you are purchasing a policy as or for an employee, it’s best to consult your company’s HR department for more information on financial protection while overseas or travelling.
3. Extreme sports/professional or competitive sports
Activities deemed high-risk, such as extreme or professional sports, are usually excluded from COVID-19 coverage, along with other standard policy exclusions.
4. Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)
Travel undertaken against the advice or restrictions of governments or public authorities, except under specific COVID-19 circumstances outlined in your policy, will not be covered.
How Do Travel Insurance Claims Work
Most insurers now offer an online claims platform. This saves you the hassle of having to make claims in person at the branch office. To get your claims processed quickly, follow these 7 steps for faster travel insurance claims. Be sure to document as many details as possible and keep the original receipts and reports from police, hospitals, airlines, hotels etc. Lastly, always provide proof of travel – the stamp in your passport would usually suffice.
When Can You Make A Travel Insurance Claim
Below are some common scenarios where you will need to provide documentation when submitting a travel insurance claim:
- Travel disruption / cancellation - Written proof of the delay/cancellation from your airline, hotel or travel agent such as an email or message will be needed to claim for travel disruption.
- Lost / Damaged Personal Belongings - Submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable).
- Emergency assistance - It’s a good practice to save your insurer’s emergency assistance hotline and your policy details to your phone before travelling. In the event of an emergency, contact your insurer with your policy number to arrange for help.
- Personal accident/medical expenses - Keep all original receipts, your medical report, and a police report where applicable. File your claim as soon as you’ve returned to Singapore. You may need to submit the original documents by mail.
How To Submit Your Travel Insurance Claim
1. Report The Incident To Your Insurance Providers
It is important that you inform your travel insurance provider as soon as possible upon the time of incident as it will allow them to start processing your claim and provide you with all the required assistance without any delays. Although most travel insurance providers claim to be made within 30 days via the available channels, it is recommended that you not wait too long.
2. Gather All Your Relevant Documents
To ensure your claims process is as efficient as possible, do remember to gather all the relevant documents that support your claim. Some of the things you might require are:
- NRIC, FIN No. or other official forms of ID
- Proof of trip such as tickets, receipts, boarding passes, photocopy of passports and visas
- Reports or documents from the airline or relevant authority acknowledging the loss of baggage
- Medical reports or any related evidence in the form of photos and/or emails
- Proof of ownership of lost baggage and items
3. Submit Your Claim
Upon gathering all necessary documents, promptly submit your claim to the travel insurance companies. Most travel insurance companies offer the option of submitting claims via online means or in person - whichever is most convenient for you.
4. Wait for Review
After your claim has been submitted, the insurance company will do a review of your claim submission to determine your eligibility for coverage. This process may take several days to a few weeks depending on the complexity and severity of your case. Ensure you are contactable throughout this period as your travel insurance provider might contact you for further clarification.
Best Travel Insurance Recommendations For You
From when, where, and which travel insurance to buy, our trusty SingSaver guides and tips are here to ensure you have the most fuss-free and enjoyable time during your travels.
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Travel Insurance Reviews
Read reviews and compare between the different travel insurance providers and plans to help you find the best and most suitable one for you. Find the best and most suitable travel insurance from providers such as FWD, Allianz, Singlife and more.
- Read our review of AIG travel insurance
- Read our review of TIQ travel insurance
- Read our review of HL Assurance travel insurance
- Read our review of Singlife travel insurance
- Read our review of FWD travel insurance in Singapore
- Read our review of Great Eastern travel insurance
- Read our review of Allianz travel insurance
- Read our review of Allied World travel insurance
- Read our review of Direct Asia travel insurance
- Read our review of MSIG travel insurance
- Read our review of Seedly travel insurance
- Read our review of Starr travel insurance
- Read our review of Sompo travel insurance
- Read our review of Tokio Marine travel insurance
- Read The FWD Travel Insurance Review
- Read The AXA Smart Traveller Insurance Review
- Read The Tiq By Etiqa Travel Insurance Review
- Read The Starr Travelead Cruise Travel Insurance Review
- Read The AIG Travel Guard Travel Insurance Review
- Read The Singlife Travel Insurance Review
- Read The HL Travel Insurance Review
- Read The Allianz Travel Insurance Review
- Read The MSIG Travel Insurance Review
- Read The Sompo Travel Insurance Review
- Read The Etiqa Travel Insurance Review
- Read The Great Eastern Travel Insurance Review
- Read The Ntuc Income Travel Insurance Review
- Comparison Of Fwd Vs Msig Vs Singlife Travel Insurance
Travel Guides
Now that you’ve got your travel insurance settled, it’s time to plan the rest of your trip! Discover new destinations and old favourites with our travel guides and itineraries, plus essential travel tips to help you make memories you’ll never forget.
Japan Travel Guides
From its rich traditions to world-famous cuisine and quirky culture, Japan is a must-visit destination for good reason. Start your journey with Tokyo activities, like visiting the iconic Shibuya crossing. Heading west, explore Kyoto’s top attractions like its enchanting temples and traditional tea houses. If cultural sites aren’t your thing, Osaka tourist spots cater to city holiday-goers with its vibrant nightlife and hole-in-the-wall eateries.
For stunning landscapes and winter sports, Hokkaido snow activities do not disappoint. Looking for more chill, laid-back vibes? Our list of stuff to do in Sapporo is perfect for the traveller who doesn’t want to be rushed. For holiday-goers who want to get away from the more touristy cities, Nara’s main attractions offer a serene escape with its friendly deer and historic sites like Todai-ji Temple. Meanwhile, there are plenty of things to do in Fukuoka for culture buffs and foodies, while Nagoya attractions like the samurai museum are not to be missed. For a relaxing retreat, you must read our guide on what to do in Hakone, which is well-known for its hot springs and scenic views.
Malaysia Travel Guides
A tropical paradise with diverse cultures and breathtaking landscapes , there’s always unique things to do in Malaysia. Begin your adventure with Kuala Lumpur’s tourist attractions, where the iconic Petronas Towers dominate the skyline and vibrant street markets offer a taste of local cuisine. For a journey through history, Malacca city attractions enchant with its colonial architecture and rich heritage sites. Don’t forget the top things to do in Penang, like sampling its famous street food and visiting the vibrant art scene in George Town.
Don’t have time for a long holiday? A quick pop across the border is all you need. From theme parks to huge malls, there are plenty of activities to do in JB that will keep you occupied. For those seeking pristine beaches and crystal-clear waters, Langkawi’s top attractions will not leave you disappointed. Nature lovers will be captivated by the things to do in Kota Kinabalu and best of Sabah, home to the region’s most stunning mountains and islands. For culture buffs, Ipoh’s top attractions combine colonial charm with natural beauty, while holiday-goers looking for a mix of nature and culture can explore things to do in Kuching for the best of both worlds. Last but not least, don’t forget the spectacular national works that should top your list of what to see in Miri.
Taiwan Travel Guides
Taiwan, an island rich in culture, cuisine and natural beauty, offers an array of experiences for every traveller. Start by exploring all the cool things to do in Taipei, from visiting the famous Taipei 101 tower to traditional sites such as the National Palace Museum. Are you or your partner into the arts? You have to see the best of Taichung, a city known for its artistic flair, with attractions like the Rainbow Village and the bustling Fengjia Night Market. Head south and you’ll find yourself in Taiwan’s oldest city, Tainan’s attractions offer a glimpse into the island's history with its ancient temples and historical sites.
Nature enthusiasts must visit the east coast, where Taitung attractions will take your breath away. Don’t forget a trip to the famous Taroko Gorge, a Hua Lien must do item on any itinerary. Finally, for relaxed beachtown vibes, visit Taiwan’s largest port city and discover Kaohsiung attractions like the Fo Guang Shan Buddha Museum and the Love River.
Australia Travel Guides
Known for its stunning coasts and vibrant cities,these are the best destinations in Australia offering a diverse range of experiences for all types of travellers. Starting with some fun things to do around Melbourne, try visiting the famous Queen Victoria Market, exploring the eclectic laneways filled with street art, and enjoying the Melbourne Museum. Into culture and architecture? You can’t miss Sydney’s tourist attractions, which include iconic landmarks like the Sydney Opera House and the Harbour Bridge, along with fun activities such as relaxing at Bondi Beach or exploring the historic Rocks district.
For the best spots in Brisbane, try strolling through South Bank Parklands and visiting the Lone Pine Koala Sanctuary. The city's vibrant arts scene is showcased at the Queensland Art Gallery and Gallery of Modern Art. From Kings Park and Botanic Garden to the pristine beaches of Cottesloe and the cultural precinct of Northbridge, Perth’s attractions offer a mix of urban and natural experiences. Finally, no Australia trip is complete without Gold Coast activities, which includes a visit to its stunning beaches and thrilling theme parks like Dreamworld and Sea World.
South Korea Travel Guides
A dynamic country where ancient traditions seamlessly blend with cutting-edge technology, there are plenty of things to do in Korea. You don’t have to be into K-pop or watch Korean dramas to appreciate this country! For the best attractions in Seoul, try visiting the majestic Gyeongbokgung Palace or go shopping in the bustling Myeongdong district, and experiencing the vibrant nightlife in Hongdae.
Down south, Busan boasts beautiful beaches like Haeundae and cultural sites such as the Beomeosa Temple. Among the top things to do in Busan include a visit to the bustling Jagalchi Fish Market and taking a stroll along the picturesque Gamcheon Culture Village. Jeju Island, a volcanic paradise, offers breathtaking natural beauty with attractions like Hallasan Mountain and Seongsan Ilchulbong Peak. Things to do on Jeju include exploring its stunning waterfalls, relaxing on its pristine beaches, and visiting the unique Jeju Folk Village Museum.
Vietnam Travel Guides
Vietnam, a land of breathtaking landscapes and rich history, offers a variety of unique travel experiences. Hanoi’s tourist attractions include exploring the Old Quarter with its bustling markets and ancient temples, visiting the historic Ho Chi Minh Mausoleum, and enjoying a peaceful stroll around Hoan Kiem Lake. In the south, Ho Chi Minh City is a vibrant metropolis with a blend of old and new. Things to do in Ho Chi Minh include visiting the War Remnants Museum, exploring the lively Ben Thanh Market, and taking a boat trip along the Mekong Delta. Da Nang is a relatively modern city surrounded by beautiful landscapes, ideal for city and nature holiday-goers. Some of Da Nang’s tourist attractions include relaxing on My Khe Beach, visiting the Marble Mountains, and exploring the ancient ruins of My Son.
If you love history, Hoi An and its ancient town attractions are sure to please. Take a walk through its charming lantern-lit streets and marvel at its architecture that feels like you’ve gone back in time. Meanwhile, Sapa’s tourist attractions are ideal for those who want to get off the beaten track, offering stunning terraced rice fields and opportunities for trekking through ethnic minority villages. Finally, Phu Quoc, an island paradise, is perfect for those seeking sun and sea. Phu Quoc attractions include its pristine beaches, snorkelling and diving in its clear waters, and visiting the Vinpearl Safari.
Ready to jet set? Read our other guides to make sure you’re fully prepared for your trip.
Travel Insurance for Various Travel Destinations
Choosing the best travel insurance for your specific destination is crucial to ensure you are adequately protected. Different locations may present unique risks, so it's important to compare travel insurance options that offer tailored coverage for your travel plans. By selecting the best travel insurance in Singapore, you can enjoy peace of mind knowing you are covered no matter where your adventures take you.
- Japan travel insurance
- Korea travel insurance
- Malaysia travel insurance
- Thailand travel insurance
- Vietnam travel insurance
- China travel insurance
- Hong Kong travel insurance
- Bali travel insurance
- Batam travel insurance
- Aus travel insurance
- Swiss travel insurance
- Dubai travel insurance
- London travel insurance
- Travel insurance for Philippines trip
- Insurance for travel to Indonesia
Travel Insurance for Specific Travel Needs
When planning your trip, it's essential to find the best travel insurance that caters to your specific needs, whether it's adventure sports, business travel, or family vacations. Compare travel insurance plans in Singapore to ensure you get the coverage that matches your unique requirements, including important features like COVID-19 coverage. Knowing which travel insurance to buy guarantees comprehensive protection tailored to your travel preferences, ensuring peace of mind throughout your journey.
Find the best travel insurance in Singapore for specific needs:
- Repatriation of remains and medical evacuation insurance
- International auto insurance
- Group holiday insurance
- Natural catastrophe travel insurance
- Overseas study insurance
- Summer camp insurance
- Campervan insurance
- Overseas wedding insurance
- Volunteer work travel insurance
- High risk country travel insurance
- Business trip travel insurance
- Cycle touring travel insurance
- Mountaineering travel insurance
- Travel insurance for foreigners in Singapore
- Adventure activity insurance
- Flight cancellation insurance
- Pet travel insurance
- Marathon travel insurance
- Scuba diving travel insurance
- Sailing travel insurance
- Water sports travel insurance
- Hiking travel insurance
- Sky diving insurance
- Mountain biking insurance
More Information About Claiming Travel Insurance
Understanding the process of claiming travel insurance is crucial for ensuring you can effectively utilise your policy when needed. Whether dealing with trip cancellations, medical emergencies, or lost luggage, knowing the steps to file a claim helps you navigate the process smoothly. Here are links to detailed guides on the travel insurance claim processes.
- Travel Insurance Claims: 7 Submission Examples
- Guide to Making Travel Insurance Claims
- Travel Insurance Compensation for Flight Delays
- Common Mistakes People Make When Making a Travel Insurance Claim
- 11 Things You Probably Didn't Know Your Travel Insurance Can Cover
- Group vs Individual Travel Insurance: Which Suits You?
