The most common types of travel insurance are individual plans and family plans, that can be bought as single-trip plans and annual plans. There’re also specialised plans for less common travel activities like adventure trips and cruises. These too can be bought as single-trip or annual plans. Most travel insurance plans start on the day of your trip and end when you land back in Singapore.
Depending on the coverage you opt for, you’ll even be covered for sickness or injury that occurs overseas and needs treatment after you return to Singapore.
Individual plans cover a single traveller while a family plan usually covers two adults and up to four kids.
Single-trip travel insurance covers you for just one trip. Annual plans let you take an unlimited number of trips in a calendar year for a fixed premium. Obviously, single-trip travel insurance is cheaper but if you travel often, both for work and leisure, annual plans make more financial sense.
Many plans have options to cover high risk activities like scuba diving, trekking, skiing and wakeboarding. You simply need to tick that option and pay a small added premium to enjoy coverage while taking part in such activities. Travel insurance now covers activities like overseas wedding photo shoots too! So, consider what you will or will not be doing on your trip after which you can compare travel insurance plans.