Best Long-Term Travel Insurance

Planning multiple getaways this year? Long-term travel insurance plans offer better value and convenience for frequent flyers.

SingSaver Team

written_by SingSaver Team

updated: Apr 10, 2025

The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.

If you’re planning a months-long sabbatical, a gap year abroad, or even frequent overseas trips within a year, it may be time to look beyond standard travel insurance. Instead, consider long-term travel insurance that protects you from unexpected costs over extended periods — whether it’s medical emergencies, flight disruptions, or lost belongings.

Long-term travel insurance is designed to keep you covered across multiple trips or an extended stay overseas. From digital nomads to students, retirees, and business travellers, these policies can be a valuable safety net. 

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Plan smarter for your year of travel.

Plan smarter for your year of travel.

Find the right long-term travel insurance to match your destinations, duration, and lifestyle—so you're covered every step of the way.

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Here's our list of the best long-term travel insurance plans:

  • MSIG Standard Plan

  • SingLife Travel Plus Plan

  • Great Eastern TravelSmart Premier Classic

  • Zurich Travel Protect

  • Singtel Travel Protect – Economy

>> Learn more: The best travel insurance companies

Compare and purchase the best long-term plan for your needs.

Explore the top long-term travel insurance plans tailored to your trip duration, destination, and coverage needs.

How we chose the top long-term travel insurance options

When evaluating the best long-term travel insurance options for Singapore residents, we focused on features that matter most to extended or frequent travellers — especially those with flexible schedules or long overseas stints.

1. Coverage scope: We looked for policies that included comprehensive coverage, such as emergency medical treatment (including COVID-19), trip cancellations or delays, and lost or stolen luggage. These are critical for anyone travelling far from home for months at a time — where the risk of medical emergencies or logistical hiccups naturally increases.

2. Ease of purchase: We prioritised providers that offered a seamless application experience. This includes intuitive online quote tools, fast approvals, and access to 24/7 emergency hotlines. After all, a great policy means little if it's difficult to apply for.

3. Customisation: Flexibility is key for long-term travellers. We gave higher marks to plans that allow you to tailor coverage based on your travel style, such as optional add-ons for high-risk sports, cruise trips, or expensive electronics. We also checked whether pre-existing conditions could be covered and if the plan allows for extensions or changes mid-way. The more adaptable the policy, the better it can meet your real-world needs.

By focusing on these criteria, we ensured our picks for extended-stay travel insurance strike the right balance between value, protection, and convenience — making them ideal for Singaporeans seeking peace of mind while abroad.

>> Learn more: 10 tips for buying the right travel insurance

A quick look at the best long-term travel insurance options

Depending on your travel habits, some policies will work better than others. To make the best decision, consider how long you'll be away, how often you travel each year, and whether you need flexibility for pre-existing conditions or adventure activities.

Here’s a comparison of some of the best insurers in Singapore offering travel insurance for long stays or multiple trips:

Insurance Provider

Estimated Starting Cost

Recommended For

Good to Know

MSIG

S$ 13.72

Travellers seeking robust coverage with worldwide medical assistance

Coverage includes COVID-19 and home contents during overseas travel

Singlife

S$ 31.34

Comprehensive outdoor activities coverage

Provides overseas car insurance coverage that protects against excess charges incurred due to loss or damage of the rental vehicle while travelling

Great Eastern 

S$ 28.05

Travellers looking for high medical and travel inconvenience cover

Baggage and delay coverage included; no adventurous sports coverage

FWD

S$ 19.87

Those seeking a simple and easy-to-use plan

Provides a 180-day advance purchase for planning ahead

Singtel

S$ 34.50

Travelers who want easy claim processes (PayNow can be sued claim payout)

Offers special perks like Phone Care and Data Rescue for damaged or stolen phones



>> Learn more: Essential travel resources to maximise your benefits

Top long-term travel insurance for Singaporean citizens

Let’s zoom in on each provider to better understand their strengths when it comes to extended-stay travel insurance:

MSIG Standard Plan

MSIG Standard Plan

MSIG Standard Plan
Express Buy

on_provider_website

Medical expenses coverage
S$ 25,000.00
Loss of baggage
S$ 3,000.00
Trip cancellation
S$ 5,000.00
REWARDS
  • Get up to S$30 Shopee voucher, with minimum spend
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  • Get additional 4% off all MSIG travel insurance policies when you checkout with code SS
  • eligible_rewards (5)

Why MSIG Travel Insurance stands out:

  • Comprehensive medical and travel inconvenience coverage

  • COVID-19 protection including quarantine, cancellation, and hospitalisation

  • Flexible add-ons for adventurous activities and high-risk scenarios

The MSIG Standard Plan costs approximately S$21.82 after promotion, offering one of the best value-for-money long-term coverage options in Singapore — with benefits like S$25,000 medical expenses, S$5,000 trip cancellation, and S$3,000 baggage loss.

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Singlife Travel Insurance – Travel Plus Plan

Singlife Travel Plus

Singlife Travel Plus
Buy

on_provider_website

Medical expenses coverage
S$ 50,000.00
Loss of baggage
S$ 5,000.00
Trip cancellation
S$ 15,000.00
REWARDS
  • Get up to S$100 Shopee voucher, with minimum spend
  • Be one of the first 2 users per day to get Apple AirPods 4 with Active Noise Cancellation worth $249, with minimum spend
  • Get FREE ReboundTAG (worth S$23.95)
  • eligible_rewards (4)

Why Singlife Travel Insurance Plus stands out:

  • Generous coverage for medical expenses and trip cancellations

  • Covers trip changes for any reason — even pre-existing conditions

  • Higher benefit limits for frequent or family travellers

Singlife Travel Plus plan strikes the perfect balance between value and protection, offering S$2,000,000 evacuation coverage, S$15,000 for trip cancellations, and S$5,000 for lost baggage — making it a smart choice for repeat travellers and families alike.

Find Out More

Great Eastern Travel Insurance – TravelSmart Premier Classic

Great Eastern TravelSmart Premier Classic (Annual)

Great Eastern TravelSmart Premier Classic (Annual)
Buy

on_provider_website

Medical expenses coverage
S$ 15,000.00
Loss of baggage
S$ 5,000.00
Trip cancellation
S$ 10,000.00

Why Great Eastern TravelSmart Classic stand out:

  • Comprehensive trip cancellation coverage of up to S$10,000

  • Generous baggage protection and COVID-19 medical benefits

  • Built-in adventure activity cover at no extra cost

For our test, the Great Eastern TravelSmart Premier Classic plan cost just S$28.05 after promotion, making it a solid mid-tier option. With S$15,000 in medical expenses, S$5,000 baggage loss, and quarantine allowances, it’s great for travellers who want more coverage without going full premium.

Find Out More

FWD Premium Travel Insurance

FWD Premium

FWD Premium
Buy

on_provider_website

Medical expenses coverage
S$ 6,000.00
Loss of baggage
S$ 3,000.00
Trip cancellation
S$ 7,500.00
REWARDS
  • Get up to S$40 Shopee voucher, with minimum spend
  • Be one of the first 2 users per day to get Apple AirPods 4 with Active Noise Cancellation worth $249, with minimum spend
  • Get FREE ReboundTAG (worth S$23.95)
  • eligible_rewards (3)

Why FWD Premium Travel stands out:

  • Simple online purchase process

  • Comprehensive benefits at affordable rates

  • Plans tailored for all travel styles

FWD’s Premium plan costs S$19.87, which is among the lowest in its category. It is built for modern travellers who want flexibility, value, and peace of mind—whether you're flying, road-tripping, or setting sail on a cruise.

Find Out More

Singtel Travel Insurance – Economy Plan

Singtel Travel Protect - Economy

Singtel Travel Protect - Economy
Buy

on_provider_website

Medical expenses coverage
S$ 8,500.00
Loss of baggage
S$ 5,000.00
Trip cancellation
S$ 10,000.00
REWARDS
  • Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!
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Why Singtel Travel Protect Economy stands out:

  • Enjoy trip cancellation coverage up to S$10,000

  • Get medical coverage up to S$8,500

  • Includes baggage delay (up to S$1,200) and loss of baggage (up to S$5,000)

  • Phone Care, Bill Protect, and Data Rescue benefits for Singtel mobile users

This plan is ideal if you want more generous medical and travel inconvenience coverage, plus tech-friendly perks. This plan balances protection and value for long-term stays.

Find out more

>> Learn more: Discover promotions and discounts for travel insurance

Compare and purchase the best long-term plan for your needs.

Compare and purchase the best long-term plan for your needs.

Explore the top long-term travel insurance plans tailored to your trip duration, destination, and coverage needs.

Get Started

Frequently asked questions about long-stay travel insurance

  • How long can you get travel insurance for?

    Most travel insurance providers in Singapore offer annual multi-trip plans that cover you for 12 months. These are ideal if you’re making several shorter trips within a year, with each trip typically capped at 90 consecutive days (though this varies by provider). For longer single journeys, you’ll want to look for extended-stay travel insurance or long-term travel insurance policies that can cover continuous trips of 180 to 365 days.

  • Can you get travel insurance for 2 years?

    Not directly — most travel insurers in Singapore only offer coverage in 12-month blocks. However, you can renew your annual policy at the end of the first year or check with specific insurers if they allow you to purchase back-to-back policies upfront. If you're planning to be overseas for two years straight, consider contacting providers directly to discuss customised long-stay travel insurance options.

  • Can you get travel insurance for a 6-month trip?

    Yes. Many insurers in Singapore offer single-trip plans designed for long durations, including trips lasting up to six months or more. These plans are ideal for exchange students, backpackers, or those on sabbatical. Look for travel insurance for long-term travel that includes emergency medical cover, evacuation, trip cancellation, and personal belongings — especially since you’ll be away for an extended period.

  • Can you buy travel insurance for the whole year?

    Absolutely. You can buy annual multi-trip travel insurance that protects you over a full 12 months. This is a cost-effective solution for frequent travellers who take multiple short trips. Just take note: most plans have a maximum trip duration limit per journey (e.g., 90 days), so if you're going on a long, uninterrupted trip, consider a single-trip extended coverage plan instead.

Recapping long-term travel insurance

To sum it up, the choice of long-term travel insurance plan depends largely on your travel style.

For business travellers or frequent holidaymakers taking multiple trips throughout the year, annual plans may be best as they tend to be more cost-efficient and provide convenience and flexibility for those with fluid itineraries. Single extended trip plans are ideal for travellers with a fixed schedule who need uninterrupted coverage for the entire duration of their trip, like if you were taking a gap year, sabbatical, or extended work placement abroad.

When selecting your plan, it’s also important to consider whether it offers coverage for pre-existing medical conditions. Not all long-term travel insurance policies include this by default, and if you have a known health condition, opting for a plan that covers ongoing treatment or unexpected flare-ups can save you from hefty out-of-pocket costs. Look out for insurers that allow add-ons or customisation to ensure you’re fully protected throughout your journey.

Ways to maximise your travel rewards

Looking to earn more from your next adventure? The right travel credit card can help you rack up miles, enjoy airport perks, and stretch your travel budget further. Here are some of the best travel credit cards in Singapore for 2025, depending on what matters most to you:

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SingSaver Team

SingSaver Team

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.