These Travel Insurances Offer Up to S$1,000 Payouts For Your Camera Equipment

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• Overview: Best travel insurance plans for cameras 2023
• Most value-for-money: Starr TraveLead 
• Highest coverage: Tokio Marine Xplora Plus
• Honourable mention: Allianz Travel
• FAQs about travel insurance plans for cameras
• What to do if you lose your camera overseas

Overview: Best travel insurance coverages for camera equipment in 2023

Disclaimer: All the coverage limits and premiums stated are based on the maximum plan single-trip coverage offered by the base plan tier for each insurance policy. For example, the coverage limits and premiums listed for Singlife Travel Insurance are under their Travel Lite Plan.

All policy plans were filtered based on an average 5-day trip to an ASEAN country like Thailand.

The coverage benefits listed here aren’t exhaustive either. Please refer to the respective insurance T&Cs for more comprehensive details.

Travel insurance policy	Coverage for lost/stolen camera	Other coverages	Premium
AIG Travel Guard Direct [Classic] AIG Travel Guard® Direct Promotion: Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 16 June 2023. T&Cs apply. Additionally, all successful applicants of participating Travel Insurance products will receive 1x 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). Valid till 31 July 2023. T&Cs apply. Single Trip: Use promo code SSFLASHSALE to get 10% off and up to $50 Dairy Farm eVoucher (fulfillment by AIG). Valid till 30 June 2023. T&Cs apply. Apply Now	Limit per article: S$500	Up to S$200,000 overseas medical coverage    Up to S$12,000 medical expenses incurred in Singapore   Up to S$5,000 trip cancellation   Up to S$1,000 for baggage delay   Up to S$3,000 baggage/personal belongings	From S$30
Allianz Travel Insurance [Bronze] Apply Now (Single Trip)	Limit per article: Up to S$1,000 (max. benefit for high-value items) Note: Only 50% of the cost to replace lost, stolen, or damaged camera will be reimbursed if all claims conditions are met	Up to S$200,000 overseas COVID-19 medical coverage   Unlimited emergency transportation   Up to S$5,000 pre-trip cancellation or trip interruption from COVID-19   Up to S$500 for baggage delay (min. 6 hours)   Up to S$3,000 baggage/personal belongings	From S$33.88
ERGO TravelProtect [Essential]	Limit per article: S$500	Up to S$200,000 overseas medical coverage (Below 70 years)   Up to S$10,000 for medical expenses incurred in Singapore (Below 70 years)   Unlimited medical evacuation and repatriation   Up to S$1,000 travel delay (S$100 per 6 hours either overseas or in Singapore)   Up to S$500 baggage delay (S$200 per 6 hours either overseas or in Singapore)   Up to S$3,000 baggage/personal belongings	ASEAN: From S$33 Asia: From S$39 Worldwide: From S$55
Etiqa TIQ Travel Insurance [Non-Pre-Ex Entry] Apply Now	Limit per article: S$250	Up to S$200,000 for overseas medical coverage (Below 70 years)   Up to S$7,500 for medical expenses incurred in Singapore   Up to S$150,000 accidental death and disability coverage (Below 70 years)   Up to S$300 travel delay (S$50 per 3 hours)   Up to S$5,000 trip cancellation   Up to S$200 baggage delay (S$100 per 6 hours)   Up to S$2,000 baggage/personal belongings	ASEAN: From S$42 Asia: From S$44
FWD Travel Insurance  [Premium] FWD Travel Insurance Promotion: All successful applicants of FWD Travel Insurance will receive 1x 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 S$2,000). Valid till 31 July 2023. T&Cs apply. Use the promo code TRAVEL25 to get 25% off on Single Trip and Annual Trip plans. Valid till 29 May 2023. T&Cs apply.   Apply Now	Limit per article: Up to S$300 (Premium), or up to S$500 (Business, First)	Up to S$200,000 overseas medical coverage   Up to S$500,000 for personal liability   Up to 21 days of automatic travel cover extension (subject to conditions)   Up to S$7,500 trip cancellation   Up to S$300 travel delay (S$100 per 6 hours either overseas or in Singapore)    Up to S$150 baggage delay (S$150 per 6 hours either overseas or in Singapore)   Up to S$3,000 baggage/personal belongings	ASEAN: From S$24.30 Asia: From S$26.10 Worldwide: From S$38.70
HLAS COVIDSafe Travel Protect360 [Enhanced] SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 12 June 2023. T&Cs apply.   Additionally, all successful applicants of MSIG TravelEasy will receive 1x 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 S$2,000). Valid till 31 July 2023. T&Cs apply. Enjoy 40% off Single Trip plans and 20% off Annual Plans. Get Up to $38 Cash via PayNow (fulfillment by SingSaver) when you APPLY NOW! T&Cs apply. Valid till 31 July 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. Apply Now Apply Now	Limit per article: S$500	Up to S$250,000 overseas medical coverage (Up to S$50,000 for COVID-19)   Up to S$15,000 medical expenses incurred in Singapore   Unlimited medical evacuation   Up to S$250,000 personal accident and disability coverage   Up to S$1,000 trip delay (per 6 hours)   Up to S$7,000 trip cancellation (Up to S$1,000 for COVID-19)   Up to S$1,000 baggage delay   Up to S$5,000 baggage/personal belongings	From S$36
MSIG TravelEasy Plan [Non-Pre-Ex Standard] SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 12 June 2023. T&Cs apply.   Additionally, all successful applicants of MSIG TravelEasy will receive 1x 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 S$2,000). Valid till 31 July 2023. T&Cs apply. Enjoy 40% off Single Trip plans and 20% off Annual Plans. Get Up to $38 Cash via PayNow (fulfillment by SingSaver) when you APPLY NOW! T&Cs apply. Valid till 31 July 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.	Limit per article: S$500	COVID-19 coverage   Up to S$250,000 overseas medical expenses (Below 70 years)   Up to S$25,000 medical expenses incurred in Singapore (Below 70 years)   Up to S$150,000 accidental death and disability coverage (Below 70 years)   Up to S$5,000 trip cancellation   Up to S$750 travel delay   Up to S$600 baggage delay (S$150 per 6 hours)   Up to S$3,000 baggage/personal belongings	Area A: From S$37 Area B: From S$44 Area C: From S$69
Singlife Travel Insurance [Travel Lite] Singlife Travel Insurance Promotion: Enjoy a 25% discount with the promo code TRAVEL25. Valid till 31 May 2023. T&Cs apply. Apply Now	Limit per article: Up to S$500 (Lite) or up to S$700 (Plus, Prestige)	Up to S$250,000 overseas medical coverage   Up to S$50,000 accidental death and disability coverage   Up to S$5,000 trip cancellation   Up to S$1,000 trip interruption (Itinerary change)   Up to S$3,000 for baggage/personal belongings	ASEAN: S$42.24 Asia, Oceania: S$52.42 Worldwide: S$77.93
Sompo Travel Insurance [Essential] Apply Now	Limit per article: S$200	Up to S$200,000 overseas medical coverage   Up to S$100,000 COVID-19 medical coverage   Up to S$100,000 personal accident and disability coverage   Up to S$500,000 for personal liability   Up to S$2,000 for COVID-19 trip cancellation or trip postponement each   Up to S$1,200 baggage delay (S$200 per 6 hours either overseas or in Singapore)   Up to S$1,000 baggage/personal belongings	Area A: From S$64 Area B: From S$90 Area C: From S$165
Starr TraveLead Travel Insurance [Bronze] Apply Now	Limit per article: S$1,000	Up to S$200,000 overseas COVID-19 medical coverage (Up to S$15,000 for follow-up treatment in Singapore)   Up to S$150,000 personal accident and disability coverage   Up to S$5,000 trip cancellation (Up to S$1,000 for COVID-19)   Up to S$500 travel delay (S$100 per 6 hours)   Up to S$3,000 for baggage/personal belongings	From S$27 (with added baggage coverage)
Tokio Marine Xplora Plus Travel Insurance [Classic] Apply Now	Limit per article: S$1,000	Up to S$300,000 for overseas medical coverage (Below 70 years old)   Up to S$15,000 medical expenses incurred in Singapore   Up to S$200,000 for accidental death and disability   Up to S$5,000 trip cancellation   Up to S$1,200 for travel delay (S$100 per 6 hours)   Up to S$1,200 baggage delay   Up to S$5,000 for baggage/personal belongings	Zone A: S$70 Zone B: S$101

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x 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). Valid till 31 July 2023. T&Cs apply.

Travel Insurance	Premium for Individual Cover	Covid-19 Coverage	Promotion
Allianz Travel Insurance Apply Now	from S$34.10 (for 1 week in Asean)	Yes	Use promo code AzSSV to get a 45% discount (Exclusive to SingSaver) and up to $60 via PayNow. Valid till 30 May 2023. T&Cs apply
MSIG Travel Easy Apply Now	from S$34.10 (for 1 week in Asean)	Yes	Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 12 June 2023. T&Cs apply.   Enjoy 40% off your Single Trip premium and 20% off your Annual Trip premium. Plus, receive up to S$38 via PayNow when you apply. Valid till 31 July 2023. T&Cs apply.
Etiqa (TIQ) Travel Insurance Apply Now	from S$39 (for 1 week in Asean)	Yes	Single Trip: Use promo code TIQSINGSAVER to enjoy 40% off when you apply. Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount and S$20 cashback on your COVID-19 add-on. Valid till 18 June 2023. T&Cs apply.
Starr TraveLead Travel Insurance Apply Now	from S$11.05 (for 1 week in Asean)	Yes	Use the promo code SSVTL35 to enjoy up to S$48 via PayNow, a 35% discount, plus an exclusive Agoda promo code. Valid till 30 June 2023. T&Cs apply.
FWD Travel Insurance Apply Now	from S$22.50 (for 1 week in Asean)	Yes	Use the promo code TRAVEL25 to get 25% off on Single Trip and Annual Trip plans. Valid till 29 May 2023. T&Cs apply.
AIG Travel Guard® Direct  Apply Now	from S$30 (for 1 week in Asean)	Yes	Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 16 June 2023. T&Cs apply.   Single Trip: Use promo code SSFLASHSALE to get 10% off and up to $50 Dairy Farm eVoucher (fulfillment by AIG). Valid till 30 June 2023. T&Cs apply.

Find the Best Travel Insurance for You

Read more:
Best COVID-19 Travel Insurance Plans (2022)
Best Travel Insurance in Singapore (2022)
Best Travel Insurance Plans and Promotions in Singapore (November 2022)
Top 3 Things Travel Insurance Should Cover (And How Much is Enough)

So which travel insurance policy is the best for camera equipment coverage?

Most value-for-money: Starr TraveLead Travel Insurance (Bronze Plan)

For those on a budget, Allianz Travel Insurance (Bronze Plan) offers excellent camera-related coverage for only S$21 onwards in premiums, subject to your trip’s duration.

Offering a claim benefit of up to S$1,000, you can rest assured your valuable camera and accessories will be well protected.

This is one of the rarer travel insurance policies that allow for maximum camera claims as compared to other similarly-priced bronze plans like Allianz Travel’s one, which only allows claims of up to 50% of the original camera equipment cost.

You can view more policy details here.

Highest coverage: Tokio Marine Xplora Plus Travel Insurance (Classic Plan)

The Tokio Marine Xplora Plus Travel Insurance (Classic Plan) is another worthy contender to safeguard your camera and equipment. It offers up to S$1,000 coverage for stolen, misplaced, or damaged cameras and video cameras per article limit.

Compared to the above Starr TraveLead policy, this Tokio Marine Xplora Plus policy has a higher coverage limit of up to S$5,000 for baggage and personal belongings overall. Thus, if you’re a paranoid or forgetful traveller, this extra bit of coverage might serve you well.

Unfortunately, the downside to this plan is its hefty premium charge depending on the country zone you’re embarking to — S$70 for Zone A and S$101 for Zone B.

You can view more policy details here.

Honourable mention: Allianz Travel Insurance (Bronze Plan)

An honourable mention goes to Allianz Travel for its above-average coverage and decent premium price for camera equipment. 

Likewise, it offers up to S$1,000 in coverage for cameras except there’s a catch. Only 50% of the original cost of the camera and related accessories can be claimed in benefit, provided that the relevant receipts and documents claims are submitted.

Premiums start from S$33.88, which is still fairly affordable.

You can view more policy details here.

FAQs about travel insurance coverage for camera equipment

Q: What coverage does travel insurance offer for your camera equipment?

A: In general, travel insurance with camera equipment coverage should entail photography gear, lighting equipment, your camera and lenses on and off filming premises as well as during transit or transportation.

Q: Is it possible to add equipment coverage to existing travel insurance policy?

A: Typically, baggage coverage is an existing category already included in your plan’s benefits.

However, there are some policy plans that offer you the base tier featuring basic medical coverage. Therefore, you’ll have to be careful and ensure you tick or check the box for add-on baggage coverage in such cases.

Q: Should I buy the travel insurance offered together with my air ticket?

A: No. Although seemingly cheap, the coverage under these plans isn’t as extensive as originally thought. The coverage outline is usually designed to be as minimal as possible.

In turn, this also means that the “cheap” premium price might be more expensive than what its coverage is actually worth.

Q: What kind of documents must I submit during the claim for lost, stolen, or damaged cameras and equipment?

A: In general, you’d need the basic documents like the purchase receipt, serial number of your camera gear, a photo of your gear, and maybe even a photo of you with your camera. 

Of course, the documents required vary depending on your plan. Please read through your respective policy’s T&Cs closely to avoid doubt.

What to do if you lose your camera and equipment overseas?

#1 Contact your travel insurer to inform & ask about the claims process

Although a bit bleak, having damaged camera gear is more ‘favourable’ than it being lost or getting stolen. Regardless, it’s best for you to contact your travel insurance agency immediately to report the situation and file a claim.

Depending on whether it’s lost, stolen, or damaged, your insurer will then determine the appropriate amount to reimburse you after successfully processing your claim.

#2 Report to the local authorities

This should be another no-brainer if your camera gear and related equipment are lost or stolen. It’s also best to do this immediately so that action can be taken as quickly as possible. 

While it’s good to remain positive, some countries have a higher statistical theft rate than others. Thus, locating your misplaced or stolen equipment might take longer than expected in countries where theft is more commonplace.

Alternatively, you can consider retracing your steps to visit the places you’ve last been in. You’ll have a higher chance of recovering your lost camera and equipment before someone else takes it away! 

Sometimes, taking matters into your own hands might be just the solution in the nick of time.

#3 Visit the Singapore embassy

If need be, you can also consider visiting the Singapore embassy to seek assistance. They might be able to advise or help liaise you with local authorities better to expedite the search for your camera. 

However, most embassy visits are typically reserved for more emergency situations such as losing your phone or passport overseas. 

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x 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). Valid till 31 July 2023. T&Cs apply.

Travel Insurance	Premium for Individual Cover	Covid-19 Coverage	Promotion
Allianz Travel Insurance Apply Now	from S$34.10 (for 1 week in Asean)	Yes	Use promo code AzSSV to get a 45% discount (Exclusive to SingSaver) and up to $60 via PayNow. Valid till 30 May 2023. T&Cs apply
MSIG Travel Easy Apply Now	from S$34.10 (for 1 week in Asean)	Yes	Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 12 June 2023. T&Cs apply.   Enjoy 40% off your Single Trip premium and 20% off your Annual Trip premium. Plus, receive up to S$38 via PayNow when you apply. Valid till 31 July 2023. T&Cs apply.
Etiqa (TIQ) Travel Insurance Apply Now	from S$39 (for 1 week in Asean)	Yes	Single Trip: Use promo code TIQSINGSAVER to enjoy 40% off when you apply. Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount and S$20 cashback on your COVID-19 add-on. Valid till 18 June 2023. T&Cs apply.
Starr TraveLead Travel Insurance Apply Now	from S$11.05 (for 1 week in Asean)	Yes	Use the promo code SSVTL35 to enjoy up to S$48 via PayNow, a 35% discount, plus an exclusive Agoda promo code. Valid till 30 June 2023. T&Cs apply.
FWD Travel Insurance Apply Now	from S$22.50 (for 1 week in Asean)	Yes	Use the promo code TRAVEL25 to get 25% off on Single Trip and Annual Trip plans. Valid till 29 May 2023. T&Cs apply.
AIG Travel Guard® Direct  Apply Now	from S$30 (for 1 week in Asean)	Yes	Score an Airalo eSIM with 1GB data and receive it within 4 working days when you apply now! Valid till 16 June 2023. T&Cs apply.   Single Trip: Use promo code SSFLASHSALE to get 10% off and up to $50 Dairy Farm eVoucher (fulfillment by AIG). Valid till 30 June 2023. T&Cs apply.

Find the Best Travel Insurance for You

Find More About Travel Insurance Providers

Compare and make the best decisions to find the best travel insurance providers for your needs

• Find Out About Etiqa Travel Insurance Singapore
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