Looking for a comprehensive travel insurance plan for seniors? Here are the best travel insurance plans to buy.
Best Travel Insurance: TIQ Travel Insurance | MSIG TravelEasy | Allianz Travel Insurance | Ergo TravelProtect | Singlife Travel Insurance | Sompo Travel Insurance | Tokio Marine Travel Insurance | Allied World Travel Insurance | Starr Travel Insurance | FWD Travel Insurance | AIG Travel Guard
If you’re travelling overseas with elderly travellers or you're an elderly traveller yourself, getting a travel insurance plan with comprehensive medical coverage can be a challenge.
That's because insurance companies typically reduce their medical coverage for elderly travellers who are 70 years and above. However, seniors need the most medical coverage above all else, especially if coverage for pre-existing conditions is needed.
So, whether you want a travel insurance plan to protect against sudden flare-ups of your pre-existing condition or a plan with good medical benefits, we've shortlisted the best travel insurance plans for elderly travellers below.
Table of contents:
- MSIG TravelEasy Travel Insurance
- FWD Travel Insurance
- TIQ Travel Insurance
- AIG Travel Guard
- Singlife Travel Insurance
- NTUC Income Travel Insurance
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
|
from S$11.05 (for 1 week in ASEAN)
|
Yes
|
Get up to $50 Grab Vouchers (min. Premium $30) and get 40% off when you use promo code SS40. Valid till 31 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.
|
|
MSIG Travel Easy
|
from S$34.10 (for 1 week in ASEAN)
|
Yes
|
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
|
from S$34.10 (for 1 week in Asean)
|
Yes
|
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
|
from S$22.50 (for 1 week in Asean)
|
Yes
|
Use the promo code 12TWELVE to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 12 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.
|
|
Etiqa (TIQ) Travel Insurance |
from S$39 (for 1 week in Asean)
|
Yes
|
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
|
from S$46.20 (for 1 week in ASEAN)
|
Yes
|
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
|
from S$45 (for one week in Asean)
|
Yes
|
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
|
from S$30 (for 1 week in Asean)
|
Yes
|
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
|
from S$52 (for one week in Asean)
|
Yes
|
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
|
from S$49.80 (for 1 week in Asean)
|
No
|
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 travel insurance for seniors
Here’s an overview of the coverage amount for elderlies who are 70 years old and above on a single-trip plan to Thailand, ASEAN.
Product |
Apply | |||||
|---|---|---|---|---|---|---|
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FWD Premium
|
Unlimited
|
S$40,000 to S$200,000
|
S$1,200 to S$6,000
|
No
|
S$30 to S$52.80
|
|
MSIG Premier Plan
|
S$1,000,000
|
S$50,000 to S$100,000
|
S$500 to S$2,000
|
No
|
||
|
MSIG Premier Pre-Ex Plan (For Pre-existing Conditions)
|
S$1,000,000
|
S$50,000 to S$100,000
|
S$5,000 to S$10,000
|
Yes (for single trips only)
|
||
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Tiq Travel Luxury
|
S$1,000,000 to S$1,800,000
|
S$30,000 to s$75,000
|
S$1,000 to S$3,000
|
No
|
S$39 to S$72
|
|
|
Tiq Travel Pre-Ex Luxury - Asean
|
S$1,000,000 to S$1,800,000
|
S$30,000 to S$75,000
|
S$1,000 to S$3,000
|
Yes
|
S$93 to S$147
|
|
Singlife Travel Prestige
|
S$250,000 to unlimited
|
Combined with emergency evacuation
|
S$10,000 to S$80,000
|
No
|
S$43.51 to S$86.05
|
|
AIG Travel Guard® Direct - Supreme
|
S$500,000 to unlimited
|
S$50,000 to S$200,000
|
S$1,000 to S$5,000
|
Yes (for repatriation only)
|
S$48 to S$125
|
|
Travel insurance plan |
Emergency medical evacuation and repatriation coverage |
Overseas medical expenses |
Medical expenses in Singapore |
Pre-existing coverage? |
Premiums (per week) |
|
S$300,000 to S$350,000 |
Combined with emergency evacuation |
S$1,000 to S$5,000 |
No |
S$61 to S$98 |
|
|
S$300,000 to S$350,000 |
Combined with emergency evacuation coverage |
S$2,000 to S$5,000 |
Yes |
S$102 to S$149 |
MSIG TravelEasy and TravelEasy Pre-Ex
MSIG TravelEasy is known for its holistic coverage, but just how good is it for elderly travellers? Let’s take a look:
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$150,000 to S$500,000 |
S$50,000 to S$100,000 |
|
Medical expenses (overseas) |
S$250,000 to S$1,000,000 |
S$50,000 to S$100,000 |
|
Emergency medical evacuation and repatriation |
S$1,000,000 |
S$1,000,000 |
|
Medical expenses (Singapore) |
S$25,000 to S$75,000 |
S$5,000 to S$10,000 |
|
Medical expenses overseas due to pre-existing conditions (pre-ex plan only) |
S$75,000 to S$150,000 |
S$50,000 to S$100,000 |
|
Emergency evacuation and repatriation due to pre-existing conditions (pre-ex plan only) |
S$100,000 to S$200,000 |
S$100,000 to S$200,000 |
As you can see, the medical coverage is quite generous and is on par with most travel insurance plans out there; you get up to S$500,000 for personal accident coverage, up to S$1,000,000 for overseas medical expenses, and up to S$1,000,000 for emergency evacuation.
Travellers who want coverage for pre-existing conditions will be pleased to know that MSIG also has a pre-ex plan. The TravelEasy Pre-Ex plan provides additional coverage for overseas medical expenses (up to S$150,000) and emergency evacuation and repatriation (up to S$200,000) if they’re due to your pre-existing conditions.
However, the downside is that you can’t buy an annual plan with pre-existing conditions coverage, plus the TravelEasy Pre-Ex plans also don’t have COVID-19 coverage.
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
|
from S$11.05 (for 1 week in ASEAN)
|
Yes
|
Get up to $50 Grab Vouchers (min. Premium $30) and get 40% off when you use promo code SS40. Valid till 31 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.
|
|
MSIG Travel Easy
|
from S$34.10 (for 1 week in ASEAN)
|
Yes
|
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
|
from S$34.10 (for 1 week in Asean)
|
Yes
|
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
|
from S$22.50 (for 1 week in Asean)
|
Yes
|
Use the promo code 12TWELVE to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 12 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.
|
|
Etiqa (TIQ) Travel Insurance |
from S$39 (for 1 week in Asean)
|
Yes
|
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
|
from S$46.20 (for 1 week in ASEAN)
|
Yes
|
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
|
from S$45 (for one week in Asean)
|
Yes
|
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
|
from S$30 (for 1 week in Asean)
|
Yes
|
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
|
from S$52 (for one week in Asean)
|
Yes
|
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
|
from S$49.80 (for 1 week in Asean)
|
No
|
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. |
FWD travel insurance
FWD is for seniors who want a no-frills plan that offers generous coverage with affordable premiums. In fact, premiums for its premium (the cheapest plan) start from S$30 for a 1-week trip to ASEAN countries.
FWD travel insurance gives you high medical coverage, even for the premium plan.
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$200,000 to S$400,000 |
S$40,000 to S$80,000 |
|
Medical expenses (overseas) |
S$200,000 to S$1,000,000 |
S$40,000 to S$200,000 |
|
Emergency medical evacuation and repatriation |
Unlimited |
Unlimited |
|
Medical expenses (Singapore) |
S$200,000 to S$1,000,000 |
S$40,000 to S$200,000 |
For example, overseas medical expenses coverage for premium members is S$40,000 to S$200,000 for those 70 years and above and from S$200,000 to S$1,000,000 for those below 70 years old.
It also offers extremely high local medical expenses benefit, starting from S$40,000 for premium plan members, which is much higher than Singlife’s.
Additionally, the personal accident benefit is also high, starting from S$40,000 to S$80,000 for members 70 and above, and S$200,000 to S$400,000 if you’re below 70.
Last but not least, you also get unlimited coverage for emergency medical evacuation and repatriation offers high coverage for local medical expenses.
While COVID-19 coverage isn’t included, you can buy a COVID-19 add-on which allows you to claim up to S$200,000 in COVID-19 medical expenses.
Tiq travel insurance and Tiq Pre-Ex travel insurance
If you want a comprehensive travel insurance plan that doesn’t cost an arm and leg, Tiq travel insurance plan is for you.
Check out the coverage benefits below:
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$150,000 to S$500,000 |
S$30,000 to S$50,000 |
|
Medical expenses (overseas) |
S$200,000 to S$1,000,000 |
S$30,000 to S$75,000 |
|
Emergency medical evacuation and repatriation |
S$1,000,000 to S$1,800,000 |
S$1,000,000 to S$1,800,000 |
|
Medical expenses (Singapore) |
S$7,500 to S$10,000 |
S$1,000 to S$3,000 |
|
Medical expenses overseas due to pre-existing conditions (pre-ex plan only) |
S$75,000 to S$150,000 |
S$20,000 to S$50,000 |
|
Emergency medical evacuation and repatriation due to pre-existing conditions (pre-ex plan only) |
S$150,000 to S$250,000 |
S$150,000 to S$250,000 |
Like Income, Tiq also offers a non-pre-existing and pre-existing condition plan — the latter is good for seniors who want additional coverage for their chronic health problems.
In particular, Tiq's pre-existing plan insures you for up to S$1,000,000 for overseas medical expenses and a combined limit of up to S$1,800,000 for emergency medical evacuation and repatriation.
The drawback of the pre-ex plan is it’s only available for single trips, so you can’t buy an annual plan with pre-existing conditions coverage. Also, pre-ex plans don’t come with COVID-19 benefits.
If you don't need pre-existing coverage, you can opt for Tiq’s standard travel insurance plan, which offers the same amount of coverage minus pre-existing coverage.
You can also opt for a COVID-19 add-on, which covers travel inconveniences before, during, and after your trip, such as travel postponement, trip cancellation, overseas medical expenses, travel curtailment and disruption, and hospitalisation benefits in Singapore. However, note that medical expenses in Singapore are excluded from the Entry plan.
It's also worth noting that overseas medical coverage is from S$30,000 to S$80,000 for seniors aged 70 years old and above, which is not the highest.
But as mentioned, the premiums are quite affordable; for a week’s trip to ASEAN countries, the pre-existing plan starts from S$93, while the standard plan starts from just S$39.
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AIG Travel Guard
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$100,000 to S$300,000 |
S$40,000 to S$80,000 |
|
Medical expenses (overseas) |
S$200,000 to S$2,500,000 |
S$50,000 to S$200,000 |
|
Emergency medical evacuation |
S$50,000 to unlimited |
S$50,000 to unlimited |
|
Repatriation |
Unlimited |
Unlimited |
|
Medical expenses (Singapore) |
S$10,000 to S$50,000 |
S$1,000 to S$5,000 |
|
Repatriation due to pre-existing conditions |
S$150,000 |
S$75,000 |
Unlike the aforementioned plans, AIG Travel Guard doesn’t have a standalone pre-existing conditions plan. Strangely, you get unlimited coverage for repatriation if it’s due to a pre-existing condition, but there are no overseas medical expenses and emergency evacuation coverages.
What’s most notable about AIG Travel Guard is that it has high overseas medical expenses benefit, up to S$200,000 if you’re on the classic plan (cheapest plan) and up to S$2,500,000 on the premier plan (most expensive plan).
While its personal accident coverage isn’t the highest, it’s quite sufficient as you can claim up to S$300,000. On top of this, you also get COVID-19 coverage for medical expenses and emergency medical evacuation and repatriation (overseas) of up to S$300,000.
As for its premiums, the classic plan starts from S$48, which isn’t too pricey. But it doesn’t include many benefits, so you’re better off with the mid-tier ‘superior’ and highest-tier ‘premier’ plans.
Singlife travel insurance
Seniors who want the highest coverage for medical expenses may want to consider buying Singlife travel insurance.
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$50,000 to S$500,000 |
S$10,000 to S$100,000 |
|
Medical expenses (overseas) |
S$250,000 to unlimited |
S$250,000 to unlimited |
|
Emergency medical evacuation and repatriation |
Shared with overseas medical expenses |
Shared with overseas medical expenses |
|
Medical expenses (Singapore) |
S$10,000 to S$80,000 |
S$10,000 to S$80,000 |
While most insurance plans have lower coverage benefits for seniors 70 years and above, Singlife travel insurance maintains the same benefits across the board.
In particular, the Prestige plan (the highest tier) offers unlimited coverage for overseas medical expenses, emergency medical evacuation and repatriation. But even on the basic tiered 'Lite' plan, the benefit starts from S$250,000, which is higher than the industry average. This is great, especially if you travel to countries with high medical treatment/hospitalisation.
Singlife insurance also offers high local medical expenses compared to others, as it starts from $10,000 and up to S$80,000, which is higher than the S$1,000 to S$3,000 offered by most.
Aside from that, the COVID-19 coverage for overseas medical expenses is up to S$200,000 and unlimited for emergency evacuation.
However, Singlife’s personal accident cover is not the best. In fact, the Lite plan, or the most basic tier, only allows you to claim up to S$50,000. If you’re 70 and above, the coverage is a paltry S$10,000.
Another bummer is that the benefits for overseas medical expenses and emergency medical evacuation and repatriation are shared, though it’s unlimited for the Prestige plan.
Income travel insurance Standard and Enhanced PreX
Income travel insurance is one of the biggest household names and offers two different plans: Income Standard and Enhanced PreX. Both plans are split into three tiers.
But let’s talk about its pre-existing plan, Enhanced PreX, first.
|
Benefits |
Coverage limit for an individual plan (below 70 years old) |
Coverage limit for an individual plan (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$200,000 to S$500,000 |
S$100,000 to S$150,000 |
|
Medical expenses (overseas) |
S$500,000 to S$1,000,000 |
S$300,000 to S$350,000 |
|
Emergency medical evacuation and repatriation |
Combined with overseas medical expenses |
Combined with overseas medical expenses |
|
Medical expenses overseas and emergency medical evacuation and repatriation (due to pre-existing conditions) |
S$300,000 |
S$150,000 |
|
Medical expenses (Singapore) |
S$25,000 to S$50,000 |
S$2,000 to S$5,000 |
Income’s Enhanced PreX plan is one of the few pre-existing coverage travel insurance plans in Singapore.
This is great because it means you get additional coverage for events that are related to your pre-existing conditions, such as diabetes, asthma, high blood pressure, stroke, and more.
For instance, you can get up to S$300,000 for overseas medical expenses claims related to pre-existing conditions, though this limit is combined with emergency evacuation and repatriation.
The Enhanced PreX plan offers higher coverage limits for most other categories than the Income Standard plan. But again, the limit for overseas medical expenses, emergency evacuation, and repatriation is shared.
Income’s travel insurance plans also come bundled with COVID-19 coverage, and you can get up to S$150,000 for medical expenses overseas, emergency evacuation and repatriation due to COVID-19, among other COVID-19 benefits.
However, these additional coverages come at a cost, as the premiums are among the priciest of travel insurance plans.
For instance, a week’s trip to ASEAN countries starts from S$102 — which is way higher than the standard S$30 something you pay for a typical travel insurance plan.
|
Benefits |
Coverage limit (below 70 years old) |
Coverage limit (70 years old and above) |
|
Personal accident cover (death or TPD) |
S$200,000 to S$500,000 |
S$100,000 to S$150,000 |
|
Medical expenses (overseas) |
S$500,000 to S$1,000,000 |
S$300,000 to S$350,000 |
|
Emergency medical evacuation and repatriation |
Combined with overseas medical expenses |
Combined with overseas medical expenses |
|
Medical expenses (Singapore) |
S$25,000 to S$50,000 |
S$2,000 to S$5,000 |
But if you don’t want coverage for pre-existing conditions, then you may also consider Income Standard travel insurance plan.
While there’s no pre-existing coverage, you get higher-than-average coverage for trip cancellations, travel delays, and baggage loss. Plus, there’s also COVID-19 coverage.
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