Travel Insurance Promotions and Discounts for December 2019

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Best Travel Insurance Promos and Discounts 2019

Looking for travel insurance? Save more with these promo codes and discounts from insurers such as FWD, MSIG, AXA, and more!


No matter your travel itinerary, travel insurance is your best bet against unforeseen circumstances that can arise even before you embark on your trip. There’s a travel insurance plan to suit any and all needs – whether you’re travelling in a group, on a bucket list adventure, or even just across the causeway for a quick shopping weekend.

Here’s 6 tips on how to pick travel insurance that’s right for you:

We’ve compiled a list of the best travel insurance plans and providers depending on your coverage needs, whether your concerns are flight delays and cancellation, loss of bags and belongings, or comprehensive coverage for pre-existing medical conditions.

Editor’s note: This is an unsponsored and unbiased post. Travel insurance offers are subject to change at any time. This article was last updated on 13 November 2019.


MSIG: Most Comprehensive Coverage

If you have exciting travel plans and have painstakingly planned your holiday, you will want to travel with peace of mind. We recommend MSIG Plans for their high baggage delay benefit (S$150-S$250 for every 6 hours of delay, depending on plan type), emergency medical evacuation/repatriation, Terrorism Cover, and high personal accident coverage of up to S$1 million!

MSIG Elite and Premier Plans also offer benefits like Adventurous Activities Cover, Golfer’s Cover, Unused Entertainment Ticket, Domestic Pet Care, Rental Vehicle Excess, Returning a Rental Vehicle, and Home Contents cover to suit all travellers needs.

Pros:

  • Pre-existing Medical Condition Cover available (under TravelEasy Pre-Ex Plans)
  • Public Transport Double Cover, Adventurous Activities Benefit (for Elite and Premier Plans)
  • Coverage for Wedding Clothing and Accessories, Fraudulent Use of Credit Card, Credit Card Benefit Outstanding Balance (for Elite and Premier Plans)

Cons:

  • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
  • Standard Plan (TravelEasy) does not cover certain sub-category of benefits, such as Adventurous Activities/Golfer’s Cover; please refer to the policy document for exclusions

SingSaver Exclusive Promotion

Enjoy 50% off Single Trip Plans and 20% off Annual Trip Plans – no promo codes needed.

From now till 31 December 2019, purchase any MSIG travel insurance though SingSaver and get rewarded with $8 via PayNow.

MSIG Insurance

Allied World Insurance: Best for Adventure Seekers

Got an adventure-packed vacation coming up? Then you might want to get acquainted with Allied World Insurance. A fairly new entrant to the Travel Insurance scene in Singapore, Allied World Insurance is an international general insurance provider that offers 3 comprehensive travel insurance plans. 

Although premiums are a little more expensive, they cover a wide range of outdoor sports that others do not. In addition, Allied World Insurance Travel Protector Plans also provide coverage for your home (fire and theft) and for any additional pet care charges incurred due to travel delays. 

More details on Allied World Insurance Travel Protector Plans can be found here.

Pros:

  • Covers a wide range of outdoor activities (scuba diving, trekking, bungee jumping, hang gliding, tandem parachuting, skiing, etc.) .
  • Full terrorism cover across all plans (including nuclear, chemical & biological events).
  • Unlimited medical evacuation and repatriation cover.
  • Bonus coverage for home, pet care and loss of entertainment ticket.
  • Benefit payable for loss of frequent flyer points.

Cons:

  • No payable if an incident takes place when an advisory has been issued (riot, strike, health threatening situations, natural disasters, etc.), unless the trip started before the advisory was announced.
  • No benefit claimable for hiking or trekking in remote areas, mountaineering requiring the use of ropes or guides, cliff or rock climbing.
  • No pre-existing medical or physical conditions cover.
  • No coverage if participation in professional sports competitions.

SingSaver Exclusive Promotion

  • From 6 to 18 December 2019, apply for any Allied World Insurance travel plan through SingSaver and get a $5 PayNow Reward.
Allied World

AXA: Best for Travel Delay and Loss/Delay of Bags and Belongings

You’ve spent lots of time planning your trip, from your activities and tours, down to the packing of your luggage; sports equipment, your high-end camera to take the best pictures, laptops, gorgeous beachwear and dresses – all checked.

The last thing you would have expected is that your flight gets delayed and you have to miss your pre-booked plans, or your bags and belongings get lost or re-routed to the wrong destination. AXA SmartTraveller stands out for its high coverage of up to $10,000 for Loss of Baggage/Belongings, and up to $2,000 for Baggage Delay.

Pros:

  • Adventurous activities cover
  • Full terrorism cover
  • Unlimited Emergency Medical Evacuation/ Emergency Repatriation

Cons:

  • No benefit payable for extreme sports
  • No benefit payable for loss of frequent flyer reward points or holiday points used

SingSaver Exclusive Promotion

Purchase an AXA Smart Traveller insurance plan through SingSaver to enjoy these discounts.

  • From now till 10 December 2019, use Promo Code SINGDEC15 for 40% + Additional 10% Discount on Single Trip plans.
  • From now till 31 December 2019, use Promo Code SINGDEC30 for 10% + Additional 8% Discount on Annual Trip plans.
  • Purchase any AXA SmartTraveller Insurance through SingSaver by 31 December 2019 and get an $8 PayNow Reward.
AXA Smart Traveller

AXA Wanderlust: Best for budget millennial travellers

AXA Wanderlust is the first travel insurance in Singapore to offer additional coverage for trip cancellation or curtailment due to natural disaster. Several add-ons are also available, most notably coverage for overseas wedding photoshoots and adventure cover for injuries sustained from adventure leisure activities.

Pros:

  • Flexibility to customise coverage according to needs and budget
  • Covers injuries from adventurous activities
  • Pays up to an additional 50% of Sum Insured if your trip is cancelled or curtailed due to a natural disaster

Cons:

  • Medical exclusions for pre-existing conditions and pregnancy-related conditions
  • Excludes cover for professional, competitive and extreme sports
  • Limited coverage for expensive items

SingSaver Exclusive Promotion

  • Use promo code WSSS12 for 50% + additional 20% discount on Single Trip plans
  • Use promo code WASS12 for 30% + additional 20% discount on Annual Trip plans
  • From now till 30 November, purchase any AXA Wanderlust travel insurance though SingSaver and get rewarded with $8 PayNow.
Wanderlust Travel Insurance

FWD: Cheapest Single Trip Plans

With prices starting as low as $9, FWD’s basic travel insurance plan is perfect for the price-conscious traveller. If you’re in relatively good health (no pre-existing medical condition), travelling light on a short trip, and are looking for the lowest price deals, then FWD is the one to beat.

Pros:

  • Full Terrorism Cover
  • Unlimited emergency medical evacuation cover
  • Cashless Medical Claim

Cons:

  • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
  • No Pre-existing conditions cover

Check out FWD’s cheapest single trip plans.

SingSaver Exclusive Promotion

  • From 6 to 18 December 2019, apply for any FWD travel insurance plan through SingSaver and get a $5 PayNow Reward.
FWD Travel Insurance

Sompo: Best For Trips to Japan

Sompo Travel Insurance helps protect against the unexpected common mishaps such as lost passport, accidents and baggage delay that can cause anxiety on a trip.

Having reconstructive surgery, recuperation allowance, golf cover, rental vehicle excess and many more as bonus coverage instead of an add-on makes the plan more attractive. Sompo stands out for its coverage for loss of frequent flyer points and a unique Go Japan! Plan.

Sompo Deluxe Plan now features new attractive coverage such as emergency medical evacuation or repatriation required due to pre-existing medical conditions. Baggage delay is up to $1,000 (capped at $200 for first six hours both overseas and in Singapore; and $125 per four hours whilst overseas thereafter). Plans even cover amateur sports such as hot air balloon, parasailing, white-water rafting, snow-skiing, and bungee jumping.

Pros:

  • Full Terrorism Cover (except for Vital Plan)
  • Covers Loss of Frequent Flyer Points
  • Wide range of Bonus Coverage included in base plan for Deluxe and Elite (usually only available as add-ons)

Cons:

  • No cover for any sports in a professional capacity
  • Claims arising from skincare products, health supplements, and probiotics are excluded, whether purchased OTC or prescribed by a registered medical practitioner
  • No cover for any articles sent as freight or any baggage forwarded in advance

SingSaver Exclusive Promotion

  • From 6 to 18 December 2019, apply for any Sompo travel insurance plan through SingSaver and get a $5 PayNow Reward.
SOMPO Travel Insurance

Allianz Travel: Best for High Medical Coverage

For your upcoming travel plans, is maximum medical coverage benefit your main concern? If you are travelling to a country where falling sick or being hospitalised due to an accident is going to cost you an arm and leg, factor in the importance of medical coverage when purchasing travel insurance. Medical coverage benefits will cover you for medical attention, evacuation and assistance for your trip.

Allianz Travel Gold offers up to $5,000,000 limit for medical coverage. We particularly recommend Allianz Travel plans for their high medical coverage and top-notch internal medical team of doctors and air ambulances.

Pros:

  • Unlimited emergency medical evacuation (Silver/ Gold Plans)
  • Full terrorism cover (except biological/chemical/nuclear agents)
  • Automatic Extension of Cover up to a maximum of 30 days

Cons:

  • No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
  • No benefit payable for claims arising from pre-existing conditions

SingSaver Exclusive Promotion

  • Use promo code FLY45 to get 45% off when you purchase any travel insurance plans through SingSaver.
  • From 6 to 18 December 2019, apply for any Allianz Travel insurance plan through SingSaver and get a $5 PayNow Reward.
Allianz Travel Insurance

HL Assurance (Hong Leong Travel Insurance): Best Discount Deals

In addition to great seasonal promotions, HL Assurance (Hong Leong Travel Insurance) also offers perks such as hotel booking vouchers and car rental discounts when you purchase travel insurance from them. Enjoy even greater savings when you buy your travel insurance through SingSaver.

Pros:

  • Unlimited emergency medical evacuation (across all Plans)
  • Unlimited repatriation of mortal remains (across all Plans)
  • Loss of home content due to burglary

Cons:

  • Exclusions on a variety of adventurous activities
  • No benefit payable for preexisting conditions
  • No coverage for acts of terrorism

SingSaver Exclusive Promotion

  • From 6 to 18 December 2019, apply for any HL Assurance travel insurance plan through SingSaver and get a $5 PayNow Reward.
Hong Leong Travel Insurance - HL Assurance

AMEX: Best for Loss of Frequent Flyer Points and Benefits

Love using your miles and points to pay for travel and/or accommodation? The bad news for air miles redemption fans is that not all travel insurance plans cover the loss of frequent flyer points in case of delayed or cancelled flights. Amex My VoyageGuard travel insurance is one of the few that covers this – benefits range from $5,000 to $20,000 and plans start as low as $15.

Pros:

  • Benefit payable for loss of frequent flyer points
  • Winter Sports and Golf option
  • Benefit payable for alternative travel due to Infectious Disease

Cons:

  • No cover for pre-existing medical conditions
  • Ski Equipment must be owned by the Insured Person to qualify for Winter Sports benefit payout
  • All Golf Equipment must belong, on loan, or entrusted to the Insured Person, and not hired or rented for payout under Golf Cover.
American Express Travel Insurance

Tokio Marine: High Coverage With Low Premiums

Tokio Marine’s TM Xplora features two tiers of travel insurance plans: Classic and Premier. Both plans offer well-rounded coverage with affordable premiums. One of the unique selling points is that they cover the Loss of Frequent Flyer Points and offer Full Terrorism Cover.

Pros:

  • Full Terrorism Cover
  • Loss of Frequent Flyer Points coverage
  • Adventure sports & Activities (leisure basis)

Cons:

  • Travel regions covered fall under only two buckets: Asia and Worldwide. Even trips within ASEAN are classified under “Asia” pricing
  • No Pre-existing conditions cover
  • No cover for participation in sports activities as a professional for financial reward

SingSaver Exclusive Promotion

  • From 6 to 18 December 2019, apply for any Tokio Marine travel insurance plan through SingSaver and get a $5 PayNow Reward.
Tokio Marine Travel Insurance

Etiqa Tiq: Best For Pre-existing Medical Conditions and Leisure Activities Cover

Etiqa Tiq Travel Insurance offers reliable deals at budget-friendly prices to suit individual needs and budget. To cater for travellers with pre-existing medical conditions, Etiqa also recently launched its Pre-Ex Plans.

Pros
  • Pre-existing medical conditions cover available (under Pre-Ex Plans)
  • Leisure activities cover for activities such like hot air balloon ride, parachuting, sky-diving, bungee jumping, hang-gliding, paragliding, and non-competitive winter sports
  • Emergency evacuation cover/ repatriation up to $1,800,000
Cons
  • No compensation for any air miles, holiday points, membership or credit card redemption the Insured Person(s) used to pay for all or part of the trip
  • No cover for Extreme Sports
  • Baggage delay benefit is constant at $100 per 6 hours, capped at $200 limit, regardless of Plan type

SingSaver Exclusive Promotion

  • Use Promo code DECTRAVEL when purchasing a Single Trip Plan (no pre-existing conditions) to get 50% off!
  • Use promo code TEIF when purchasing a Single Trip Plan (with pre-existing conditions) to get an additional 5% off on Fridays.
  • Use promo code TEIF when purchasing an Annual Plan to get 35% off and get an additional 5% off on Fridays.
  • From 6 to 18 December 2019, apply for any Etiqa Tiq travel insurance plan through SingSaver and get a $5 PayNow Reward.
Etiqa Tiq Travel Insurance

Aviva: Best For Loss of Frequent Flyer Points

You diligently spend and accumulate your miles. Then you use them to redeem a flight only to be forced to cancel or postpone your flight due to unforeseen circumstances. But wait, not all travel insurance plans include loss of frequent flyer points. That’s why we recommend Aviva Travel Insurance, who will cover the value of your redemption miles at retail prices.

Pros
  • Full terrorism cover
  • Coverage for trip cancellation for any reason
  • Replacement Traveller (For Business Travel only) for Plus and Prestige Plans
Cons
  • No coverage pre-existing conditions cover
  • No coverage for any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment
  • No Coverage for participation in dangerous sports and leisure activities

SingSaver Exclusive Promotion

  • Use promo code YAY35 to get 35% discount off Single Trip plans.
  • Receive up to $75 CapitaVouchers when you purchase an Annual Plan.
  • From 6 to 18 December 2019, apply for any Aviva travel insurance plan through SingSaver and get a $5 PayNow Reward.

Aviva Travel Insurance

Check our Best Travel Insurance for 2019 page for more information on these travel insurance plans and providers!

Alternatively, compare and apply for your travel insurance through our SingSaver comparison tool and find the best plans for your needs, based on destination, coverage, premium, and more!

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