Though travel insurance may not be able to always fully cover the cost of your jewellery, being covered is way better than not being covered at all. Find out which travel insurance plans offer the best coverage for your prized possessions.
Best for high coverage: AIG Travel Guard | Allianz Travel Insurance | Ergo Travel Insurance | Singlife Travel Insurance
Best for affordability: TIQ Travel Insurance | FWD Travel Insurance | MSIG TravelEasy | Sompo Travel Insurance
If you own expensive jewellery, I’m sure you’ve had this dilemma before — to bring or not to bring (for your vacation). On the one hand, you’ll want to look the best adorned in your pricey earrings or watches in your picturesque photos. But on the other, you’re afraid that you might damage it abroad, or worst — lose it altogether.
While the decision is entirely up to you, there are some ways you can minimise the risk of it being damaged or stolen. And in the unfortunate event of it becoming a reality, you can actually cover the costs undertravel insurance!
So if you’re thinking of bringing your shiny toy for a joy ride, here are the best travel insurance plans that offer the highest coverage for lost or stolen jewellery.
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 |
FWD Travel Insurance
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from S$22.50 (for 1 week in Asean)
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Yes
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Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 30 Sep 2023. T&Cs apply. Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. |
Etiqa (TIQ) Travel Insurance
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from S$39 (for 1 week in Asean)
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Yes
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Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply. Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply. Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. 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. Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 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. |
Starr TraveLead Travel Insurance
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from S$11.05 (for 1 week in ASEAN)
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Yes
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Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023. Additionally, 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. |
Allianz Travel Insurance
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from S$34.10 (for 1 week in Asean)
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Yes
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Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 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. |
MSIG Travel Easy
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from S$34.10 (for 1 week in ASEAN)
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Yes
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Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. |
Singlife Travel Insurance
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from S$46.20 (for 1 week in ASEAN)
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Yes
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Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 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. Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply. |
Allied World Travel Insurance
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from S$45 (for one week in Asean)
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Yes
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Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023. Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023. 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 |
AIG Travel Guard® Direct
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from S$30 (for 1 week in Asean)
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Yes
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Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG) Valid till 30 Sep 2023. T&Cs apply. Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply. |
Great Eastern Travel Insurance
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from S$52 (for one week in Asean)
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Yes
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Single Trip: Get an 20% discount when you use the promo code TSP20S. Annual Trip: Get an 10% discount when you use the promo code TSP10A. 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. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply. |
Read more:
Best COVID-19 Travel Insurance Plans (2023)
Best Travel Insurance in Singapore (2023)
Best Travel Insurance Plans and Promotions in Singapore (2023)
Top 3 Things Travel Insurance Should Cover (And How Much is Enough)
Best travel insurance with high coverage for jewellery
Travel insurance
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Coverage for lost/stolen jewellery
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Other coverages
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Premium
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AIG Travel Guard
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S$1,000 per article
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From S$38
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Allianz Travel Insurance
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Up to S$1,500 (max benefit for all high value items)
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From S$39
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Ergo Travel Insurance
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Up to S$1,000 sublimit
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From S$25
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Etiqa (TIQ) Travel Insurance
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Not covered
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From S$31
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FWD Travel Insurance
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Up to S$500 sub-limit
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From S$25.20
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HLAS COVIDSafe Travel Protect360
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Up to S$500 per article
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From S$50
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MSIG TravelEasy
SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: 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 31 Sep 2023. T&Cs apply Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage. SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: 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 31 Sep 2023. T&Cs apply Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage. |
S$500 per article
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From S$49
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Singlife Travel Insurance
![]() SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: 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 31 Sep 2023. T&Cs apply Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage. |
Up to S$3,000 per article
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From S$34.12
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Up to S$500 sub-limit
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From S$49
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S$400 sub-limit
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From S$27
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S$500 per article
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From S$62
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Premium plans are based on single travel insurance for a five-day trip to Thailand (ASEAN Region). The coverage also differs according to different tiered plans.
Read these next:
Travel Insurance Plans For Stolen/Lost Phones: Claim Up to S$2,000
Claim Up to S$1,000 on Camera Equipment With These Travel Insurance Plans
Travel Insurance Policies that Cover up to S$2,000 For Laptops
Which travel insurance policy is the best for jewellery coverage?
Most value-for-money: Ergo TravelProtect
If you’re looking for a plan that offers decent coverage for your jewellery yet is affordable at the same time, Ergo TravelProtect is your go-to travel insurance policy.
With plans starting from S$25 for a five-day trip to Thailand, you’re getting up to S$1,000 sub-limit coverage for your jewellery and souvenirs if you opt for the most expensive Deluxe plan, and up to S$8,000 for your loss of baggage.
Other coverages that come with the plan are also pretty reasonable. You’re covered up to S$1,000,000 for overseas medical expenses incurred overseas, up to S$50,000 medical expenses incurred in Singapore post-trip, and up to S$20,000 hospital allowance overseas, S$200 for each continuous 24-hour period.
You’re also covered up to S$15,000 for trip cancellation before you leave Singapore, up to S$2,000 for trip postponements and S$100 for every full 6 consecutive hours of flight delay when you’re overseas, up to S$1,000.
Highest coverage: Singlife Travel Insurance
Singlife Travel Insurance offers up to S$3,000 coverage for loss of valuables, which includes jewellery, making it the travel insurance policy that’s hard to beat. If you’re concerned with your personal money lost or stolen, they’re also offering up to S$500 for cash bank notes. For any loss of baggage, you’ll get up to S$8,000 coverage with their Prestige plan, and up to S$700 for any article or set of articles grouped together.
In terms of medical coverage, they also offer relatively high coverage. For overseas emergency medical expenses, you’re entitled to unlimited claims if you opt for the Prestige plan. Medical expenses incurred in Singapore will entitle you to a maximum claim of S$80,000. Meanwhile, accidental death, permanent disablement and burn benefit will give you up to S$500,000 coverage.
For travel delays, you’ll get up to S$2,000, with S$100 for each consecutive 6-hour delay, and up to S$20,000 for any trip cancellation. They also offer other coverages like trip cancellation for any reason of up to S$5,000 and rainfall protection.

Singlife Travel Insurance Promotion: Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.
Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.
SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: 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 31 Sep 2023. T&Cs apply
Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.
Honorable mention: AIG Travel Guard
Offering coverage of S$1,000 sub-limit for lost, stolen or damaged jewellery and up to S$10,000 for lost baggage, AIG Travel Guard is a travel insurance to consider as well, given it’s higher than average claim limit for jewellery.
With regards to medical expenses incurred overseas, AIG is offering up to S$2,500,000, as well as a woman’s benefit for medical expenses of up to S$8,000 that’s only applicable to the Supreme and Enhanced plans. If you opt for the Supreme and Enhanced plans, they also offer unlimited coverage for overseas emergency medical-related expenses including evacuation and repatriation.
Baggage delays entitle you to an S$200 claim for every 6 hours, up to S$1,600, while travel delays allow you to make a S$100 claim for every 6 hours, up to S$3,000.
SingSaver's Exclusive AIG Travel Guard® Direct Promotion:
Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG) Valid till 6 Oct 2023. T&Cs apply.
Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 6 Oct 2023. T&Cs apply.
Additionally, enjoy up to 3x chances to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
What to do if you lose your jewellery overseas?
#1 Contact your travel insurer to inform & ask about the claims process
The chances of locating your personal belongings if stolen are unfortunately relatively slim. Regardless of it, you should contact your travel insurance agency to file a claim. Depending on how many things are stolen and the travel insurance plan coverage, you can sometimes get a decent claim amount to fully cover the cost of your jewellery.
This is where you’ll need the police report as proof that your items have been stolen. Without a police report, the compensation may either be delayed or rejected. Always reach out to your travel insurance agency if you need help filing a claim or need help understanding the fine print.
#2 Report to the local authorities
When you realise your belongings are missing, it’s best to report them to the local authorities immediately so they can take action. However, you shouldn’t have high hopes of recovering your device. Nevertheless, there’s no harm in filing a report — you’ll also need it for your travel insurance claim.
If there’s a language barrier between you and the local police, there’s always Google translate to save the day. Alternatively, you can also bring along or request help from a local who can speak your language to help with translation. The Singapore embassy may also be able to help!
Be sure to take several copies of the police statement for your own keepsake and your travel insurance agent.
#3 Visit the Singapore embassy
The Singapore embassy will be able to advise you on your next steps, including referring you to a list of local lawyers for your reference if you would like to engage a lawyer for your case.
Read these next:
Where to Buy Travel Insurance 2032 (With COVID-19 Coverage): Insurers, Credit Card Rewards, or Airlines
10 Tips on Buying the Right Travel Insurance in Singapore
Travel Insurance Add-ons: Which Ones are Worth Your Money?
Find Out About HL Assurance Travel Insurance Singapore
Find Out About Great Eastern Travel Insurance Singapore
Find Out About Tokio Marine Travel Insurance Singapore
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