When preparing for a trip in this day and age, one of the top things to tick off your list is travel insurance. But where should you get travel insurance?
SingSaver cracks the code on where to buy travel insurance, including COVID-19 covers (we know the virus is becoming a distant ghost, but it’s still there and pretty creepy).
We compare getting travel insurance from credit card rewards, airlines, and directly from an insurance provider to give you the best option.
Insurance providers
How to get travel insurance from insurers, and what you need to do
The benefit of purchasing travel insurance online is that you can compare different insurers and their coverages at a glance.
To get an instant quote, you need to key in the following details:
- Single-trip or Annual plan
- Country or region for travel coverage
- Date of birth
- Details of family members/friends included in the travel insurance coverage
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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 |
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
|
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
|
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 |
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
|
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
|
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. |
Below is a list of insurers, travel benefits, promotions, and COVID travel coverage in Singapore.
| Insurance provider | Travel insurance coverage | Latest promotion |
| FWD Travel Insurance (with COVID-19 coverage as a rider) |
Up to S$1,000,000 overseas medical expenses coverage Up to S$7,500 theft or damage to personal belongings Up to S$900 for baggage delay COVID-19 coverage available as rider add-on with up to S$200,000 for COVID-19 medical expenses |
Use the promo code FWDTRAVEL to get 25% off for your Single Trip Travel Insurance Plan and 20% off + S$50 TADA voucher for your Annual Trip Travel Insurance Plan. Valid till 4 December 2022. T&Cs apply. |
| Starr TraveLead Travel Insurance (with COVID-19 coverage) |
Medical expenses up to S$1,000,000 Accidental death and disablement benefit of up to S$500,000 Personal baggage coverage of up to S$7,500 Overseas COVID-19 related medical expenses of up to S$100,000 COVID-19 trip-related cancellation/curtailment of up to S$1,000 |
Use the promo code SSVTL35 to enjoy up to S$48 via PayNow, a 35% discount, plus an exclusive Agoda promo code. Valid till 31 December 2022. T&Cs apply In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion. Plus, apply for this product and score 1x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply. |
| Allianz Travel Insurance (with COVID-19 coverage) |
Up to S$7,000 baggage coverage Up to S$1 mil medical expenses coverage (for Platinum plan, ages 69 and below) Up to S$1 mil COVID-19 coverage for emergency medical and dental expenses (for Platinum plan, ages 69 and below) Up to S$15,000 for trip cancellations or disruptions relating to COVID-19 |
Use the promo code TRAVEL23 to enjoy a 23% discount on all policies. Plus, receive up to S$100 via PayNow when you apply (min. premium of S$50). Valid till 31 December 2022. T&Cs apply. In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion. Plus, apply for this product and score 1x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply. |
| HLAS COVIDSafe Travel Protect360 (with COVID-19 coverage) |
Up to S$300,000 coverage for accidental death and disablement Up to S$500,000 medical coverage overseas Up to S$7,000 baggage loss COVID-19 medical expenses coverage of up to S$100,000, including COVID-19 Hospital Cash Benefit of S$100 per day up to S$2,000 for COVID-19 |
Not available |
| AIG Travel Guard (with COVID-19 coverage) |
Up to S$2,500,000 coverage in overseas medical expenses Unlimited emergency medical evacuation (except for Standard and Basic plan)Up to S$300,000 accidental death and disablement coverage COVID-19 medical expenses coverage of up to S$250,000 Up to S$7,500 for trip cancellations or early returns relating to COVID-19 |
Receive up to S$50 in Dairy Farm e-vouchers when you apply. Valid till 31 December 2022. T&Cs apply. |
| Singlife Travel Insurance (with COVID-19 coverage) |
Up to S$8,000 loss of baggage coverage Up to S$500,000 for accidental death and disability Unlimited overseas medical expenses (for Travel Prestige plan) Up to S$2,000,000 personal liability Up to S$200,000 coverage for overseas COVID-19 medical expenses Up to S$100 per day for COVID-19 overseas quarantine, up to S$2,000 Payout of up to S$150 if your trip is affected by excessive rainfall |
Use the promo code TRAVEL18 to enjoy an 18% discount and S$5 via PayNow (min. premium of S$60) on your Single Trip premium. Valid till 9 December 2022. T&Cs apply In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion. |
| Starr Cruise to Nowhere (with COVID-19 coverage) |
Up to S$100,000 overseas Covid-19 related medical expenses Up to S$1,000 COVID-19 related trip cancellation benefit Up to S$1,000,000 medical expenses for in and outpatient treatments Accidental death and disablement benefit of up to S$500,000 |
Enjoy up to S$48 via PayNow when you apply. Valid till 31 December 2022. T&Cs apply. In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion. |
| Sompo Travel (COVID-19) Insurance |
Up to S$400,000 of medical coverage |
Enjoy 25% off your Single Trip when you apply now. Valid till 4 December 2022. T&Cs apply. |
| Etiqa (TIQ) (with COVID-19 coverage) |
Up to S$1,000,000 medical coverage overseas Up to S$500,000 accidental death and disablement coverage Up to S$10,000 coverage for medical expenses incurred in Singapore Up to S$10,000 trip cancellation benefit Covers Cruise To Nowhere Up to S$300,000 medical coverage for COVID-19 (with COVID-19 rider) Up to S$5,000 coverage for trip cancellation and loss of deposit due to COVID-19 (with COVD-19 rider) |
Single Trip: Use promo code TIQSINGSAVER to enjoy 40% off and up to S$20 via PayNow when you apply. Valid till 31 December 2022. T&Cs apply. Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount on your COVID-19 add-on and up to S$20 via PayNow. Valid till 31 December 2022. T&Cs apply. In addition, win up to S$8,000 worth of prizes in TIQ Lucky Draw (for purchases from 1 November to 31 December 2022). T&Cs apply Plus, receive S$5 bonus cash via PayNow, on top of the existing promotion. Lastly, apply for this product and score 2x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply. |
| MSIG TravelEasy (with COVID-19 coverage) |
Up to S$2,600,000 overseas medical expenses coverage for Adult & Children/Family cover Up to S$$1,000,000 overseas medical expenses coverage for individuals Up to S$1,200,000 accidental death and disablement coverage for Adult & Children/Family cover Up to S$500,000 accidental death and disablement coverage for individuals Overseas hospitalisation daily benefit of up to S$300 per day, capped at max. S$60,000 Up to S$200,000 for Medical Cover for COVIS-19 Up to S$3,000 for Travel Inconvenience due to COVID-19 |
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 3 January 2022. T&Cs apply. In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion. Plus, apply for this product and score 1x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply. |
| Tokio Marine TM Xplora Plus | Up to S$500,000 for overseas medical expenses, including COVID-19 Up to S$300,000 accidental death & disablement coverage Up to S$15,000 trip cancellation benefit Up to S$1,200 baggage delay benefit |
Not available |
| Ergo | Up to S$1,000,000 overseas medical and dental expenses Up to S$50,000 follow-up medical and dental coverage upon return to Singapore Unlimited Worldwide Emergency Medical Evacuation (excluding Basic plan) Overseas hospitalisation daily benefit of up to S$200 per day, capped at max. S$20,000 |
Not available |
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 |
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
|
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
|
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 |
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
|
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
|
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. |
Credit Cards
You most likely have seen complimentary travel insurance as one of the benefits of signing up for your credit card. But, how exactly can you reap that benefit, though?
How to activate your credit card’s travel insurance rewards
All it takes to activate your travel insurance rewards is to use the same bank card and pay the full price of your flight with it.
Credit cards with free travel insurance in Singapore
| Credit card | Overseas travel benefits | Travel Insurance coverage |
| DBS Altitude | 1.2 miles per S$1 spent locally (even bus and train rides) Two miles per S$1 overseas purchase in foreign currencies Three miles per S$1 spent on online flight and hotel accommodations (capped at S$5,000 per month) Up to 10 miles per S$1 spent on Agoda, Expedia, or Kaligo |
Up to S$1 million of travel accident coverage (must charge full travel fare to card) |
| OCBC 365 Credit Card | 6% cash rebates on dining expenses 24/7 (including local/overseas dining and online food deliveries) 3% cashback on groceries at supermarkets (local and overseas) 3% cashback on private rides (Grab/Gojek) and taxi rides (local and overseas) 3% cashback on online flight/cruise tickets and bookings from platforms such as Agoda and Airbnb |
Up to S$500,000 of complimentary travel insurance |
| CIMB Visa Signature | Visa Signature concierge | Up to S$500,000 of complimentary travel insurance (must charge travel fares to this card) |
| American Express Singapore Airlines Krisflyer Credit Card | 1.1 KrisFlyer mile per S$1 spent Two KrisFlyer miles per S$1 spent in foreign currencies in June and December 3.1 KrisFlyer miles for every S$1 spent on Grab rides (up to S$200 each calendar month) Two KrisFlyer miles per S$1 spent on Singapore Airlines and KrisShop (no cap) Automatic transfer of miles to your KrisFlyer account with no fees involved |
Up to S$350,000 of complimentary travel inconvenience and travel accident benefits (must charge travel fares to this card) Baggage loss compensation of S$500 per cardholder/family (up to 2 pax) Luggage delay and missed connection coverage for up to S$200 per cardholder/family (up to 2 pax) |
| UOB PRVI Miles Visa Card | Six miles per S$1 spent on flight tickets (from major airlines) and hotels booked through Expedia, UOB Travel, or Agoda 2.4 miles for every S$1 spent overseas 1.4 miles for every S$1 spent locally No minimum spend and cap on miles earned at all times |
Up to S$500,000 of complimentary travel insurance |
| UOB PRVI Miles American Express Card | Six miles per S$1 spent on flight tickets (from major airlines) and hotels booked through Expedia, UOB Travel, or Agoda 2.4 miles for every S$1 spent overseas 1.4 miles for every S$1 spent locally No minimum spend and cap on miles earned at all times AMEX exclusive: 20,000 loyalty miles every year with a minimum annual spend of S$50,000 Up to eight complimentary airport transfers to Changi Airport in a year |
Up to S$500,000 of complimentary travel insurance |
| UOB PRVI Miles World Mastercard | Six miles per S$1 spent on flight tickets (from major airlines) and hotels booked through Expedia, UOB Travel, or Agoda 2.4 miles for every S$1 spent overseas 1.4 miles for every S$1 spent locally No minimum spend and cap on miles earned at all times |
Up to S$500,000 of complimentary travel insurance |
If you’d like to sign up for a credit card with us today that’s not on the list above, click on the button below and explore our comprehensive list of credit cards with the features, benefits and rewards.
Airlines
You may have seen offers of travel insurance packages while booking your flight tickets. That’s because some airlines have partnerships with travel insurance companies.
Sure, it’s convenient to tick off an extra box and sign up with an airline, but it may not be the best travel insurance deal, especially compared to directly applying with an insurer. The airlines obtain part of the insurance price as commission whenever you sign up with them.
How does travel insurance coverage from airlines fare, though?
| Airline insurance company/plan | Travel insurance coverage |
| Outbound Travel Insurance - AirAsia | Personal accident coverage: - Infant below 2 years old, travelling with an adult: S$15,000 - 2 to 76 years old: S$125,000 - Above 76 years old: S$31,250 Trip cancellation: S$600 Baggage delay: S$200 (S$100 for every 6 hours) |
| Singapore Airlines (Comprehensive Package) | Trip cancellation: S$10,000 Baggage coverage: S$4,000 Medical emergency: S$500,000 |
| Scootsurance (with AXA) | Accidental death and permanent Disablement: - 18 to 70 years old: S$100,000 - Above 70 years old: S$50,000 - Below 18 years old: S$10,000 Trip cancellation: S$800 Baggage delay: S$800 (S$200 per 6 hours) |
Source: Stipulated airline insurance policy wording
Well, now that you’re all up to your knees with travel insurance, it’s time to buy those flight tickets and make your getaway a reality!
Read these next:
- What Is the Best Travel Insurance for Your Age?
- When Is It Too Late to Get Travel Insurance?
- What Happens if You Catch COVID-19 Overseas on a Holiday?
- Best Travel Insurance In Singapore (2022)
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