Best Family Travel Insurance Plans in Singapore 2025

Planning for a family trip soon? Be sure to protect yourself and your loved ones with a travel insurance plan. Here are some of the best ones.

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: Coverage goes up to S$500,000 on the highest-tier plan including COVID-19.

• Trip cancellation/curtailment: Covers non-refundable costs for illness, accidents, or unexpected events with limits up to S$10,000.

• Baggage loss/delay: Up to S$10,000 for lost items, daily allowance for delayed baggage

• COVID-19 cover: Included in overseas medical and travel disruption benefits on selected plans.

• Eligibility: Available for Singapore residents aged 18+, with complimentary coverage for up to four children per family plan.

• Claim support: 24/7 emergency assistance hotline, simple online claim submission

• How to apply: Online via Seedly website or partnered insurer’s platform

SingSaver’s take

Seedly Travel Insurance offers a reliable and flexible option for both casual holidaymakers and frequent flyers, with comprehensive coverage across medical emergencies, cancellations, and travel inconveniences. Its inclusion of COVID-19 cover and strong claim support services enhance peace of mind when travelling. Backed by the Seedly brand, known for transparency and financial community trust, this policy gives travellers essential protection without unnecessary complexity.

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• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: Up to S$1,000,000, with emergency evacuation coverage included

• Trip cancellation/curtailment: Compensation for non-refundable bookings due to illness, accidents, or unexpected events

• Baggage loss/delay: Coverage of up to S$8,000 for lost belongings and daily limits for delays

• COVID-19 cover: Included across eligible plans for medical expenses and disruptions

• Eligibility: Singapore residents aged 18+ (family and child coverage available)

• Claim support: 24/7 worldwide emergency assistance, online claims submission within a few minutes

• How to apply: Online via Singlife website or authorised partners

SingSaver’s take

Singlife Travel Insurance is well-regarded for its strong balance of affordability and generous medical coverage, making it a practical choice for leisure, family, and business travellers. The policy’s inclusion of COVID-19 protection, high medical limits, and personalisation options with add-ons such as adventure sports coverage add extra flexibility and peace of mind. With fast, simple claims processes and round-the-clock assistance, Singlife ensures support wherever your travels take you.

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» MORE: Compare the best family travel insurance in Singapore

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: Up to S$1,000,000, including emergency medical evacuation and repatriation

• Trip cancellation/curtailment: Compensation for non-refundable fares, accommodation, or tour packages due to illness, accidents, natural disasters, or unforeseen events

• Baggage loss/delay: Coverage for lost, stolen, or damaged belongings, with daily benefit for delayed baggage

• COVID-19 cover: Available across eligible plans for overseas medical treatment and trip disruption

• Eligibility: Singapore residents aged 18+ (family and child coverage options available)

• Claim support: 24/7 international emergency assistance, convenient online claims submission through DBS portal or partner insurer

• How to apply: Online via DBS/POSB website, exclusive for account holders or cardmembers

SingSaver’s take

DBS/POSB TravellerShield Plus offers convenient protection for DBS/POSB customers, pairing strong medical coverage with customisable benefits like adventure sports add-ons. Its direct integration with DBS banking makes applications and claims highly accessible, especially for existing customers. With high coverage limits, competitive COVID-19 protection, and consistent worldwide assistance, this plan is designed for travellers who value both security and convenience.

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• Coverage type: Complimentary when full airfare is charged to an eligible Citi credit card

• Overseas medical expenses: Up to S$40,000 depending on card type and underwriting terms

• Trip cancellation/curtailment: Coverage for non-refundable bookings if trips are disrupted due to illness, accidents, or unforeseen events

• Baggage loss/delay: Benefits for lost or damaged personal items and daily allowance for baggage delays

• COVID-19 cover: Limited or plan-dependent, subject to insurer terms

• Eligibility: Singapore-resident Citi credit cardholders aged 18+ (with airfare purchased in full on the card)

• Claim support: 24/7 emergency assistance hotline, online claims via the insurer partnered with Citi

• How to apply: Automatically activated when travel purchases meet eligibility conditions.

SingSaver’s take

Citi’s complimentary travel insurance provides great baseline protection for cardholders, removing the hassle of a separate travel insurance purchase. While the complimentary nature makes it attractive for budget-conscious travellers, coverage limits may be less extensive compared to standalone travel insurance plans. It works best as a convenient safety net rather than comprehensive coverage, especially for travellers booking full trips on their Citi card.

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Seedly Travel Insurance provides substantial claim limits. This family travel insurance includes up to S$500,000 for overseas medical expenses, with COVID coverage and up to S$300,000 for accidental death and permanent disablement. 

Moreover, you can get peace of mind with your belongings with coverage for baggage loss of up to S$10,000 for baggage loss. 

For last-minute trip cancellations due to unforeseen circumstances, you can get up to S$10,000.

Why is this the best travel insurance plan for a family?

If you're a parent, you may be aware that certain travel insurance plans involve an additional cost to include coverage for a child, and such coverage often differs from that of an adult.

With Seedly Travel Insurance, the Family Plan comes with complimentary coverage for up to four children. This means you can have peace of mind, knowing that your kids are adequately insured without the need for any additional payments. Furthermore, the coverage doesn't just extend to parents; it also provides protection for your children, offering coverage up to S$30,000 under the highest-tier plan, Seedly Travel Secure. In the unfortunate event of a parent's demise, each child is covered for up to S$6,000 under the Child Support Grant.

They also offer a Child Companion Benefit of up to S$10,000. This benefit covers the costs of travel and accommodation expenses for one adult travelling from Singapore to the destination and back to accompany the child in case the insured individual suffers an injury and is hospitalised abroad while travelling with a child.

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Singlife Travel Insurance offers up to unlimited cover for overseas medical expenses, up to S$500,000 in personal accident cover, and up to S$50,000 daily hospital cash for overseas admission.

COVID-19 is also covered. You’ll receive up to S$200,000 overseas medical cover and up to S$2,000 in quarantine allowance.

Of course, being a family travel insurance plan, there are also a slew of traveller benefits to protect your travel arrangements as well as the belongings you bring with you.

Some highlights include up to S$40,000 for trip cancellation (up to S$10,000 if cancelling for non-insured reasons), up to S$30,000 if your family has to return early, and up to S$4,000 for travel delay. Note that these are family limits.

In the event of trip cancellation, interruption or postponement due to COVID-19, this plan offers benefits of up to S$2,000.

Why is this the best travel insurance plan for a family

Singlife Travel Insurance offers several family-oriented benefits. It can cover up to S$8,000 in family assistance benefits, up to S$25,000 in child education benefits, up to S$25,000 in compassionate visits and childminder benefits of up to S$25,000.

There is also a home contents benefit of up to S$15,000, as well as domestic pet care coverage of up to S$1,000. That way, families can go on their vacations with greater peace of mind.

One thing to note though: Many of these benefits are included only in the highest-tier plan, so be sure to weigh carefully if they are worth paying a higher premium for.

DBS/POSB TravellerShield Plus is a paid travel insurance plan that offers a total of 47 benefits, making it a great all-rounder plan for overseas family trips, whether by land, air or sea.

There are three tiers in TravellerShield Plus, with the highest topping out at S$1 mil each for overseas medical, accidental injury (with double cover for public conveyance included) and emergency evacuation benefits. There are also up to S$75,000 benefits for follow-up medical treatment.

Other coverage areas are similarly robust, including luggage, travel documents and personal belongings, as well as trip cancellation, trip postponement, and luggage delay.

And if you’re planning to engage in extreme sports or activities that are considered higher risk (hot air ballooning, white water rafting, etc), you’ll be glad to know that adventurous activities are included at no extra cost.

Why is this the best travel insurance plan for a family

TravellerShield Plus also has travel insurance with pre-existing conditions as a paid add-on, so this plan works even for family members with chronic diseases.

There is also up to S$2,000 in hotel extension benefits per insured person. This is useful because if, say, a loved one needs to stay behind for treatment, you’ll have to pay for extra hotel nights for the rest of the family. This benefit can help offset the added expenses.

Banks commonly offer free travel insurance with their credit card when you use the qualifying card to book a plane ticket or overseas hotel for your family trip.

The majority of these travel insurance only cover accidental death or serious injury, as well as travel inconveniences such as luggage delays and trip cancellations.

However, Citi Credit Card Complimentary Travel Insurance includes overseas medical coverage for both accidental injuries as well as sickness. Both the principal cardholder and the spouse are covered for up to S$40,000 for overseas medical benefits, while dependent children are covered for up to S$20,000.

Additionally, this policy also covers you if you choose to wait till you come back to Singapore before seeking treatment (such as if you fall sick while on the plane back) – within one week of your return. Follow-up treatments are also covered at up to 5% of the benefit limit.

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Why is this the best travel insurance plan for a family

This travel insurance plan comes at no extra cost when you charge your trip to a qualifying Citi credit card. Coverage automatically extends to the cardholder, their spouse, and dependent children — making it a convenient option for families.

The policy offers solid protection for personal accidents and overseas medical expenses, but coverage for travel inconveniences such as baggage loss, delays, and trip cancellations is more limited. Importantly, it does not include COVID-19 cover, so you may need to buy an additional policy if that’s a concern.

Still, for complimentary protection, this plan is a practical safety net. It works well for short family trips where you’re not carrying too many belongings, or as a backup if you forget to purchase a standalone travel insurance plan before departure.

Most family travel insurance plans cover up to two adults and around eight children under 18, though some extend coverage to full-time students up to age 24. Age limits and the number of children vary by provider, and in some cases, kids don’t even need to live at the same address.

Policies often include immediate family members such as grandparents, stepchildren, foster or adopted children — making them suitable for single parents, families of four, or larger blended households.

You can choose between a single-trip plan or an annual travel insurance policy that covers all holidays for the year. Always compare annual travel insurance vs a single trip to see which offers better value.

Some insurers also cover pre-existing conditions if declared upfront, so full disclosure is essential to keep your family protected.

Travelling with family is one of life's greatest joys, offering opportunities to explore, learn, and create unforgettable memories together. However, unexpected events can occur, making family travel insurance not just a wise choice but a necessary aspect of travel planning. Here are some of the advantages that come with securing family travel insurance:

Cost savings

One of the biggest advantages of family travel insurance is cost savings. Instead of buying separate policies for each traveller, a single comprehensive plan can cover the entire family — often at a lower overall price. Many insurers design family plans to be more economical, sometimes even offering travel insurance discounts or free coverage for children under a certain age.

This makes it easier to manage your policy while ensuring every family member is protected under the same plan. By consolidating coverage, you reduce paperwork, avoid duplicate costs, and gain peace of mind knowing the whole family has consistent protection.

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Individual travel flexibility

One useful feature of some family travel insurance Singapore plans is the flexibility to cover solo travel. This means family members are still insured even when travelling separately — for example, if a parent goes abroad for work or a child heads off on a school trip.

Instead of buying separate policies each time, a family plan with solo travel coverage ensures continuous protection whether you travel together or individually. It also removes the hassle of juggling multiple policies, making it a simpler and more cost-effective way to safeguard your family’s trips.

Enhanced security and peace of mind

The biggest benefit of family travel insurance is the peace of mind it provides. When travelling with loved ones, their health and safety come first. A good family policy protects against common travel risks such as medical emergencies, trip cancellations, lost luggage, or flight delays — so you can focus on making memories instead of worrying about what might go wrong.

Some plans even provide equal coverage for both adults and children, without reducing benefits for younger travellers. Always review the benefits table carefully to understand the exact limits and ensure your whole family is adequately protected.

Most family travel insurance plans offer the following coverage:

• Emergency medical expenses: Your travel insurance offers coverage for unforeseen medical costs during your family trip.

• Trip interruption or cancellation: Have protection for cancelling or cutting your vacation short due to reasons specified in your policy.

• Flight or transport delays: Some policies provide reimbursements for delays or disturbances in flights or transportation, particularly when unable to recover expenses from the airline.

• Baggage and belongings protection: Safeguard your belongings, including coverage for loss, theft, or damage up to a predetermined limit.

• Personal liability and legal expenses: Get coverage for personal liability and legal costs in case of accidental injury to someone or damage to their property during your trip.

The following are typically not covered by your family travel insurance:

• Undisclosed pre-existing medical conditions: When you fail to declare a pre-existing medical condition, it may not be covered by your travel insurance.

• Travelling to regions advised against by FCDO: Destinations that are discouraged by the Foreign, Commonwealth, and Development Office (FCDO) are not covered by your family travel insurance.

• Injuries from uncovered hazardous activities: Accidents or injuries resulting from perilous activities, such as extreme sports, not covered by your insurance policy.

• Injuries under the influence of substances: Accidents or injuries occurring while under the influence of alcohol or drugs are typically not covered by insurance policies.

• Natural disasters: Insurance policies usually do not cover damages or injuries arising from natural disasters like earthquakes and tsunamis.

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If your family holiday involves adventure sports or activities that need special equipment, it’s important to check the coverage limits of your family travel insurance plan.

Most standard policies exclude high-risk activities such as skydiving, bungee jumping, scuba diving, skiing, or even certain types of golfing. This means you may not be protected for accidents or equipment loss if your trip includes these activities.

For full peace of mind, consider an extreme sports travel insurance plan. These are designed to cover a wide range of higher-risk activities that regular policies leave out. Depending on the insurer, sports coverage may be built into the base plan or available as an optional add-on.

The cost of family travel insurance can vary on a case-by-case basis. The factors that influence the cost of your travel insurance include the following:

• The duration of your holiday trip directly influences the cost of your insurance, with longer planning periods leading to higher prices.

• Opting for a more extensive insurance plan comes with an increased premium, reflecting the level of coverage you desire.

• Travelling to multiple countries, including the US, raises the cost of insurance to accommodate the broader geographical coverage.

• The inclusion of more individuals in your family travel plan contributes to an increase in the overall insurance price. Some plans offer free coverage for up to a specified number of children you are bringing along on your trip.

» MORE: 10 tips for buying the right travel insurance policy

Family trips are priceless — but mishaps can be expensive. The “best” family travel insurance really depends on your itinerary, medical needs, and what you’re packing into the trip. Prioritise high overseas medical limits, clear sub-limits for kids, strong trip disruption cover, and benefits you’ll actually use (e.g., sports cover, cruise cover, or add-ons for pre-existing conditions).

If you travel more than twice a year, consider an annual multi-trip plan; otherwise, a single-trip policy may be more cost-effective. Always read the policy wording, watch for family caps vs per-person limits, and check how to claim (24/7 assistance, online claims, and required documents). Compare a few options side-by-side to find the right balance of price and protection for your family.

» MORE: Compare the best travel insurance in Singapore