Best Travel Insurance with COVID-19 Coverage in Singapore

MSIG Premier Plan : Best for maternity medical expenses overseas
Allianz Travel Insurance Platinum Plan : Best for high overseas medical expenses coverage
Tiq Travel Luxury : Best for personalized plan to tailor to your needs
Singlife Travel Prestige : Best for value-for-money
AIG Travel Guard Direct - Supreme : Best for travel delays and loss of belongings

Jump to: The Best Travel Insurance with COVID-19 Coverage | What to Consider when Choosing a Travel Insurance with COVID-19 Coverage | What are some commonly occuring travel issues related to COVID-19 | Why Do I Still Need COVID-19 Coverage | What to do if you tested positive during or after travelling | Find the complete coverage details of the recommended Plans | Frequently Asked Questions

Disclaimer: SingSaver assembles this 'best' list from Travel Insurance policies listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before purchasing any insurance policy

Product	Covid-19 overseas medical expense	Overseas medical expenses	Trip cancellation due to Covid-19
Singlife Travel Prestige	S$ 200000	Unlimited	S$ 7500
FWD Premium	S$ 0	S$ 200000	S$ 0
MSIG Premier Plan	S$ 250000	S$ 1000000	Product has no data for attribute TRAVEL_CANCELLATION_COVID19
Starr TraveLead Comprehensive with COVID-19 Coverage (Bronze Plan)	S$ 15000	S$ 200000	Not covered
Great Eastern TravelSmart Premier Elite	S$ 150000	S$ 500000	S$ 5000
Tiq Travel Luxury	S$ 0	S$ 1000000	S$ 0
AIG Travel Guard® Direct - Supreme	S$ 0	S$ 2500000	S$ 7500
Seedly Travel Secure	S$ 500000	S$ 500000	S$ 0
Allied World Travel Protector Plan 3	S$ 250000	S$ 500000	S$ 6000

Pandemic-Related Medical Expenses

COVID-19 travel insurance safeguards you financially if you contract the virus during your trip. It covers medical expenses such as testing, treatment, and hospitalisation related to COVID-19. This coverage is vital for unexpected health costs while away from home.

Quarantine and Trip Disruption Coverage

If required, COVID-19 coverage also covers the costs if you are required to quarantine overseas, or if you are unable to proceed with your trip due to the virus.

Tiq

Single Trip: Use the promo code TIQSINGSAVER to get 45% off. Valid till 9 October 2024. T&Cs apply.

Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 31October 2024. T&Cs apply.

Also receive a Complimentary lounge access during flight delays. Valid till 30 December 2024 5:30 pm. T&Cs apply.

MSIG

Get 40% off Single Trip and 20% off Annual Trip when you buy NOW! Valid till 31 October 2024. T&Cs apply.

Also receive:

Up to S$40 Shopee voucher. Valid till 31 October 2024 5:30 pm. T&Cs apply.
Complimentary lounge access during flight delays. Valid till 30 December 2024 5:30 pm. T&Cs apply.

Singlife

Single Trip: Enjoy a 28% discount when you use the promo code FLY28 for Single Trip. Valid till 14 October 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 31 October 2024. T&Cs apply.

Also receive:

Up to S$70 Shopee voucher. Valid till 31 October 2024 5:30 pm. T&Cs apply.

Complimentary lounge access during flight delays. Valid till 30 December 2024 5:30 pm. T&Cs apply.

AIG

Get 20% off with promo code SS20OFF you apply NOW! Valid till 31 October 2024. T&Cs apply. Also receive:

S$130 Shopee voucher for Annual Trip plans (limited quantities available). Valid till 31 October 2024. T&Cs apply.
Complimentary lounge access during flight delays. Valid till 30 December 2024 5:30 pm. T&Cs apply.

Trip Cancellations or Interruptions

Many travellers end up cancelling or amending their trips due contracting COVID-19 have a family member who passed away from COVID-19, or whose travel buddy has contracted the virus. These will lead to claims for refunds on prepaid expenses like flights, accommodations, and activities. But do be sure to read your policy document carefully to find out what is covered and what is not.

Medical Expenses Overseas

Travellers who contract COVID-19 during their trip may claim for medical related expenses including purchasing medication, doctor consultations, and even hospital stays.

Medical Expenses in Singapore

Some insurers also provide coverage if you contract the virus after returning back to Singapore, usually within a stipulated time period. You can claim for any medical expenses you incur due to COVID-19.

Quarantine Costs

Instances where travellers are required to quarantine due to exposure or a positive COVID-19 test while abroad may claims for additional accommodation expenses in the quarantine facilities. Some insurers also offer a Quarantine Benefit which is a payout daily for each day of quarantine.

Emergency Evacuation

In severe cases, some travellers may require emergency medical evacuation due to COVID-19 complications. This incurs high costs for transportation back to their home country for specialised treatment, which will be claimable up to the specified claim limit.

Denied Entry or Border Closure

Travellers may face instances where they are denied entry into a country due to sudden changes in entry requirements or border closures. However, in such cases, most travel insurance plans do not cover for these.

Flight Cancellations or Delays

Airlines may cancel or delay flights due to restrictions, reduced schedules, or staff shortages caused by the pandemic. This results in claims for the reimbursement of additional expenses or compensation for delayed travel.

Check your policy for pregnancy-related coverage specifics.

Check the duration of pregnancy that the policy covers for.

Keep records from your doctor handy.

Learn which healthcare facilities are covered.

Airlines may have pregnancy restrictions.

Aspect	Travel Insurance	Maternity Insurance
Coverage	General travel emergencies, including some pregnancy-related issues	Wider scope or pregnancy-related issues and costs, including pre and post-natal treatments, C-sections and normal deliveries, complications of pregnancy and childbirth, congenital birth defects and more.
Pregnancy Coverage	Limited or None	Enhanced coverage for complications, prenatal care, early labour, childbirth, etc.
Gestational Period	Typically up to 26-32 weeks	May cover pregnancies further along, usually from 13 to 36 weeks, up to 48 weeks
Childbirth Coverage	Limited or Excluded	Provisions for childbirth emergencies
Specialised Provisions	Standard terms for all travellers	Tailored provisions for expectant mothers' needs and concerns

Reviewed by Seedly User, ZiHan Foong

[Claims Process]

Lost baggage claim when I’m back to Singapore. Claim process online was easy and fast. Received the claim amount within a day via etiqa online account upon submission of all required documents

Reviewed by Seedly User, Gerry

i bought the annual insurance last sep 2019 before i went for my trip. the claims are really fast and i am talking about hours in claim processing. I sent in my invoice at 1pm and the money was cashed in at 4pm!!! also, customer service is pretty fats in responding as well!!! of coz i did a lot of the things in app as to online i can’t comment.

Reviewed by Seedly User, Darknight

The website was easy to navigate. It was giving clear information on purchase that I wanted to buy. It was an amazing experience to purchase in MSIG. [Purchase Process]

Reviewed by Seedly User, Julia Wolfgang

Thanks to MSIG TravelEasy Premier plan as it also covers loss of wedding-related items which saved us during our wedding photoshoots and destination wedding. As yes we did manage to get our claims to save our pockets. Thank you for covering entertainment/sports tickets too!!! So we got this as we always love to plan to go to a festival or accompany my hubby to watch a major football match).

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$500,000
Overseas Medical Expenses	S$1,000,000
Overseas Medical Expenses (COVID-19)	S$300,000
Medical Expenses in Singapore	S$10,000
Travel Cancellation	S$10,000
Travel Cancellation (COVID-19)	S$5,000
Travel Delay	S$500
Sub-limit	S$50/3h
Baggage / Personal Belongings Delay	S$200
Sub-limit	S$100/6h
Loss of Baggage / Personal Belongings	S$3,000S
per Article	S$250
per Laptop	S$1,000

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$500,000
Overseas Medical Expenses	S$1,000,000
Overseas Medical Expenses (COVID-19)	S$65,000
Medical Expenses in Singapore	S$50,000
Travel Cancellation	S$15,000
Travel Cancellation (COVID-19)	S$500,000
Travel Delay	S$1,500
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$1,200
Sub-limit	S$100/6h
Loss of Baggage / Personal Belongings	S$7,500
per Article	S$400
per Laptop	S$1,400

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$400,000
Overseas Medical Expenses	S$1,000,000
Overseas Medical Expenses (COVID-19)	S$200,000
Medical Expenses in Singapore	S$30,000
Travel Cancellation	S$15,000
Travel Cancellation (COVID-19)	S$5,000
Travel Delay	S$1,000
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$900
Sub-limit	S$150/6h
Loss of Baggage / Personal Belongings	S$7,500
per Article	S$300
per Laptop	S$1,000

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$500,000
Overseas Medical Expenses	S$1,000,000
Overseas Medical Expenses (COVID-19)	S$250,000
Medical Expenses in Singapore	S$75,000
Travel Cancellation	S$15,000
Travel Cancellation (COVID-19)	S$5,000
Travel Delay	S$1,500
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$1,500
Sub-limit	S$250/6h
Loss of Baggage / Personal Belongings	S$7,500
per Article	S$500
per Laptop	S$1,000

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$300,000
Overseas Medical Expenses	S$500,000 (including COVID-19)
Overseas Medical Expenses (COVID-19)	S$500,000 (including COVID-19)
Medical Expenses in Singapore	S$40,000
Travel Cancellation	S$10,000
Travel Cancellation (COVID-19)	NA
Travel Delay	S$2,000
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$1,500
Sub-limit	S$150/6h
Loss of Baggage / Personal Belongings	S$10,000
per Article	S$500
per Laptop	NA

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$500,000
Overseas Medical Expenses	Unlimited
Overseas Medical Expenses (COVID-19)	S$200,000
Medical Expenses in Singapore	S$80,00
Travel Cancellation	S$20,000
Travel Cancellation (COVID-19)	S$2,000
Travel Delay	S$2,000
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$2,000
Sub-limit	S$100/6h
Loss of Baggage / Personal Belongings	S$8,000
per Article	S$700
per Laptop	NA

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$500,000
Overseas Medical Expenses	S$500,000
Overseas Medical Expenses (COVID-19)	S$150,000
Medical Expenses in Singapore	S$50,000
Travel Cancellation	S$15,000
Travel Cancellation (COVID-19)	S$5,000
Travel Delay	S$1,200
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$1,200
Sub-limit	S$200/6h
Loss of Baggage / Personal Belongings	S$5,000
per Article	S$500
per Laptop	S$1,000

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$150,000
Overseas Medical Expenses	S$500,000 (including COVID-19 coverage)
Overseas Medical Expenses (COVID-19)	S$500,000
Medical Expenses in Singapore	S$50,000 (including COVID-19 coverage)
Travel Cancellation	S$15,000 (including COVOD-19 coverage)
Travel Cancellation (COVID-19)	S$15,000
Travel Delay	S$3,000
Sub-limit	S$400 for daily receipts
Baggage / Personal Belongings Delay	S$3,000
Sub-limit	Minimum 6h delay
Loss of Baggage / Personal Belongings	S$7,000
per Article	S$1,000 (for all high-value items)
per Laptop	NA

Coverage Details

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Benefits	Coverage
Accidental Death & Total Permanent Disability	S$300,000
Overseas Medical Expenses	S$2,500,000
Overseas Medical Expenses (COVID-19)	S$250,000
Medical Expenses in Singapore	S$50,000
Travel Cancellation	S$15,000
Travel Cancellation (COVID-19)	S$7,500
Travel Delay	S$3,000
Sub-limit	S$100/6h
Baggage / Personal Belongings Delay	S$1,600
Sub-limit	S$200/6h
Loss of Baggage / Personal Belongings	S$10,000
per Article	S$500
per Laptop	NA

To earn Citi Rewards and Miles points in Singapore, you can use a Citi credit card that is part of the Citi Rewards/Miles programme. You can earn points by making purchases with the card, and the number of points earned will depend on the type of card and the type of purchase.

Some Citibank credit cards in Singapore that allow you to earn Citi Rewards Points include the Citi Lazada Credit Card, the Citi Prestige Credit Card, and the Citi Rewards Card. You can only earn Citi Miles Points with the Citi PremierMiles Credit Card.

You can also earn Citi Rewards Points if you are enrolled to other Citi products and services, such as a Citibank checking account. Additionally, you can earn points by shopping at participating merchants or online retailers.

If you're a Citibank credit cardholder in Singapore, you can transfer your Citi Rewards Points or Citi Miles to your preferred frequent flyer account.

To transfer your Citi Rewards Points or Miles, log in to the Citi ThankYou Rewards website, and browse the Citi points transfer catalogue. Once you have selected your desired travel loyalty programme, you can select the number of Citi Rewards or Miles you want to transfer.

You may also redeem your Citi Rewards and Miles points for miles through the Citi mobile app.

Do note that 25,000 Rewards Points/10,000 Citi Miles = 10,000 Miles and an administrative fee of S$27 (inclusive of GST) will be charged for each points transfer.

As a Citibank credit cardholder in Singapore, you can redeem cash rebates through the Citibank online banking portal, mobile app or via SMS.

To redeem your cash rebates, log in to your Citibank online banking account or the Citibank mobile app and navigate to the rewards dashboard. Once there, you will be able to see your available points balance, and you can choose to redeem it as a statement credit to your Citi Card account.

If you wish to redeem your cashback rebate via SMS with Rewards Points, type “RWDS<space> Last 4 digits of your card number<space><CASH10 or CASH20 or CASH50>” as an SMS and send it to 72484.

To redeem your cashback rebate via SMS with Citi Miles, type “RWDS<space> Last 4 digits of your card number<space><PMCASH10 or PMCASH20 or PMCASH50>” as an SMS and send it to 72484.

You may also redeem your Citi Rewards Points and Citi Miles for cash rebates through the Citi mobile app.

Do note that 4,400 Reward Points/1,650 Citi Miles = S$10 cash rebate

Citibank credit card interest rates in Singapore vary depending on the type of card and the individual's creditworthiness. However, in general, the interest rate for Citibank credit cards in Singapore is *26.9% per annum.

This rate may be subject to change, and it is important to check with Citibank for the most up-to-date information. Additionally, some Citibank credit card promotions may offer a lower interest rate for a limited time.

Do note that a S$100 late payment charge will be levied if the Minimum Payment Due is not received on or before the Payment Due Date.

*information obtained from Citibank Singapore

Citibank in Singapore offers a 0% instalment plan for its credit cardholders, which allows them to make large purchases and pay for them over time without incurring interest charges.

The plan typically allows customers to divide the cost of a purchase over a period of time of their choosing, usually 6, 12 or 24 months. This feature can be useful for making big-ticket purchases, such as electronics or furniture, more affordable.

It's important to note that there might be some restrictions in the items that are eligible for 0% instalment plan and the customers should check with Citibank for the most current information and the terms and conditions that apply to the plan.

If you need to replace a lost or stolen Citibank credit card in Singapore, you can do so by contacting the bank's customer service department. They will be able to cancel your current card and issue a new one.

Depending on the type of card you have, you may also be able to request a replacement card through the Citibank online banking portal or mobile app. In some cases, the bank may require additional verification before issuing a replacement card.

To ensure that you can continue using your credit card without interruption, it's important to report a lost or stolen card as soon as possible.

The Citibank Credit Card Hotline in Singapore is a customer service hotline that is dedicated to providing assistance to Citibank credit card holders in Singapore.

The hotline is available 24 hours a day, 7 days a week, and can be reached by dialing the number +65 6225 5225.

The customer service representatives on the hotline can assist with a wide range of issues related to Citibank credit cards, including account inquiries, balance transfers, and credit limit increases.

They can also help with reporting lost or stolen credit cards, and providing information about Citibank's various credit card promotions and offers.

Overall, the Citibank Credit Card Hotline in Singapore is a convenient way to get help with any issues related to your Citibank credit card.

Citibank Singapore, a subsidiary of Citigroup, one of the largest financial services companies in the world, offers Online Banking services to all its customers.

With Citi Online Banking, customers in Singapore can access a wide range of banking services, including account management, fund transfers, bill payments, and investment services, all from the convenience of their computer or mobile device.

The platform is designed to be secure and user-friendly, with features such as two-factor authentication and real-time notifications to help customers stay on top of their finances.

Whether you're looking to manage your day-to-day banking or make bigger financial moves, Citi Online Banking is a convenient and reliable choice.

Citibank PayNow is a feature available to Citibank customers in Singapore that allows them to make payments and transfer money to other individuals or businesses using their mobile number or Singapore NRIC/FIN number. This feature allows for transactions without the need for the recipient's bank account details.

To use Citibank PayNow, customers need to link their mobile number or NRIC/FIN number to their Citibank account through the Citibank online banking portal or mobile app. Once linked, customers can make payments or transfer money to other PayNow registered users in real-time.

Additionally, Citibank PayNow also allows customers to make recurring payments, such as bills, using this service. Citibank PayNow is a convenient and secure way to make transactions in Singapore.

Citibank credit card promotions in Singapore can vary depending on the time of year and the specific card.

Some common promotions include cashback offers, bonus miles, and cash vouchers.

For example, Citibank credit cardholders may be able to earn additional cashback on purchases made at certain retailers or receive discounts on hotel bookings. It is important to check with Citibank for the most current promotions available as they may change frequently.

Additionally, you can also check the Citibank's official website or the Citibank app for latest promotions.

Certain countries used to make it compulsory for travellers to purchase travel insurance with COVID-19 coverage. But ever since COVID-19 was considered an endemic, most countries no longer have such requirements.

Insurers who offer plans covering pre-existing conditions usually exclude COVID-19 coverage. This is because these pre-existing conditions may cause further health complications if the insured contracts COVID-19.

No, not all travel insurance plans come with COVID-19 coverage, as some may require you to purchase an optional COVID-19 cover and pay higher premiums. Do check teh coverage terms before you buy your travel insurance plan.

Some travel insurance plans do cover your medical expenses back in Singapore if you contract COVID-19, usually within a stipulated time period of about 48 hours. But not all do.

Travel insurance with COVID-19 Coverage

The Best Travel Insurance with Covid-19 Coverage

Travel Insurance with COVID-19 Coverage

Product

Covid-19 overseas medical expense

Overseas medical expenses

Trip cancellation due to Covid-19

Why is COVID-19 coverage important?

SingSaver Exclusive: Travel Insurance Promotions in Singapore

What to Consider when Choosing a Travel Insurance with COVID-19 Coverage?

What are some commonly occuring travel issues related to COVID-19?

Why Do I Still Need COVID-19 Coverage?

What to do if you tested positive during or after travelling?

Things to Take Note of when Making A Travel Insurance Claim as a pregnant person

Coverage Details

Coverage Limits

Medical Records

Emergency Plans

Travel Rules

Tips for travelling when pregnant

Travel Insurance Policy Limitations For Pregnancies

Travel Insurance vs Maternity Insurance

Real User Reviews of Tiq Travel Luxury Travel Insurance Plan

Real User Reviews of FWD Travel Premium Plan

Real User Reviews of MSIG TravelEasy Premier Plan

Real User Reviews of Singlife Travel Prestige Plan

Real User Reviews of AIG Travel Guard Direct - Supreme

Find the complete detail of the recommended Plans

Tiq Travel Luxury (COVID-19 coverage as add-on)

Coverage Details

Starr TraveLead Comprehensive with COVID-19 (Gold Plan)

Coverage Details

FWD Premium (COVID-19 coverage as add-on)

Coverage Details

MSIG Premier

Coverage Details

Seedly Travel Secure

Coverage Details

Singlife Travel Prestige

Coverage Details

Great Eastern TravelSmart Premier Elite

Coverage Details

Allianz Travel Hero

Coverage Details

AIG Travel Guard Direct Supreme

Coverage Details

Understanding Citibank ThankYou Rewards Points

How Do I Earn Citi ThankYou Rewards and Miles Points?

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Miles

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Cash Rebates

Redeeming Citi ThankYou Rewards Points for Products or Vouchers

Managing Your Citibank Credit Card

Citibank Credit Card Interest Rates and Late Payment Charge

Learn About Citibank's 0% Instalment Plan for Credit Cards

Replacing a Lost or Stolen Citibank Credit Card

Get Immediate Assistance with the Citibank Credit Card Hotline

Experience Convenience and Security with Citi Online Banking

Complete Transfers and Payments Easily with Citibank PayNow

Take Advantage of Credit Card Promotions with Citibank

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The Best Travel Insurance with Covid-19 Coverage

The Best Travel Insurance with Covid-19 Coverage

Other Travel Insurance articles you might be interested in

Other Travel Insurance articles you might be interested in

Frequently Asked Questions

Is COVID-19 coverage compulsory? (Are there countries that make it compulsory?)

If I have pre-existing conditions, can I be covered for COVID-19?

Do all travel insurance plans come with COVID-19 coverage?

If I contract COVID-19 back in Singapore after my overseas trip, am I covered?

We work with the best Travel Insurance Providers