Best Travel Insurance to Batam from Singapore
Updated: 19 Nov 2025
Written bySingSaver Team
Team
With how close Batam and Singapore are to each other, it’s no wonder that Singaporeans love spending a week, long weekend, or even a day on this tiny Indonesian island.
Whether you’re travelling to Batam from Singapore for leisure, business, family, or personal reasons, it’s still important to remember that you’re crossing international waters and navigating a different legal and medical landscape.
Opting for the right travel insurance for Batam can safeguard your trip against unexpected medical emergencies, travel delays, and other unforeseen circumstances, ensuring that your Batam getaway remains enjoyable and stress-free. Read on to learn more about popular travel insurance options for Batam to help you decide which travel insurance to buy.
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.
Starr TraveLead Travel Insurance (Comprehensive) – Bronze
- Complete purchase in just 3 clicks
- Unlimited emergency medical evacuation and repatriation
- Free coverage for child under family plan
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Coverage type: Single-trip
- Car rental excess cover: S$500
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Eligibility: Singapore residents aged 18+, free coverage extended to a maximum of 4 children under the family plan.
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Claim support: 24/7 emergency assistance hotline, online claim submission via app / portal.
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How to apply: Online through Starr’s website or through Singsaver
SingSaver’s take
The Starr TraveLead – Bronze plan is a budget-friendly option that covers essential travel risks: medical emergencies, trip cancellation, baggage delays, and some travel disruptions. While Bronze offers core protections, it also includes rental vehicle excess cover, meaning if your hired car overseas is damaged or involved in an accident, the deductible (excess) set by the rental company can be reimbursed under the plan (subject to conditions).
This feature makes the Bronze plan especially attractive for travellers who plan to drive but don’t want to pay much for top-tier coverage. However, rental excess benefits come with limits and exclusions, so check your specific policy wording before relying on it fully.
Pros
Includes rental vehicle excess cover
Essential protections for medical emergencies, trip cancellations, and baggage loss/delay
COVID-19 medical and partial trip cancellation coverage included
Competitive premium for comprehensive coverage
Suitable for travellers planning to drive on their trip
Cons
Benefit limits and conditions may be restrictive
Does not include premium tier benefits available on higher plans
Some high-risk activities require optional add-ons
Premium may be higher for longer trips or certain conditions
HLAS Travel Protect360 Basic
- Complete purchase in just 3 clicks
- High-value baggage loss, baggage delay coverage
- Overbooking and flight diversions covered
- 24/7 global teleconsultation for emergencies
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Coverage type: Single-trip or annual multi-trip
- Car rental excess cover: Up to S$500, increases up to S$1,200 under higher-tier plans.
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Eligibility: Singapore residents aged 18 and above; family plan extends coverage to up to 4 children at no extra charge.
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Claim support: 24/7 global emergency assistance hotline and online claims submission via the HLAS portal or app.
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How to apply: Apply online through the HLAS website or through Singsaver.
SingSaver’s take
The HLAS Travel Protect360 Basic plan offers travellers an affordable option with essential coverage for medical emergencies, trip cancellations, baggage delays, and other common travel disruptions. A practical inclusion is its rental vehicle excess cover, which reimburses the deductible set by rental companies if your hired car overseas meets with an accident or damage (subject to policy terms).
This feature makes the Basic plan appealing to travellers who intend to drive abroad but prefer not to pay higher premiums for top-tier coverage. Do note, however, that policy limits and exclusions apply. Review the Product Summary and policy wording carefully before purchase.
Pros
Includes rental vehicle excess cover, uncommon among entry-level plans
Core protections for medical issues, trip cancellations, and baggage loss
Good option for budget-conscious travellers seeking essential benefits
Cons
Benefit caps and conditions may be restrictive
Fewer added-value perks found in higher-tier plans
High-risk or professional driving scenarios likely excluded
Comparing travel insurance benefits for your Batam trip
Compare key benefits and estimated premiums from popular travel insurance providers to find the best plan for your Batam getaway.
|
Best travel insurance for |
Travel insurance plans for Batam |
Estimated premium rate (single trip plans only) |
|
COVID-19 coverage |
Allianz Travel Hero - Standard |
From S$8.01 |
|
Budget travel |
HLAS Travel Protect360 Basic |
From S$18.40 |
|
Overall good value |
FWD Premium |
From S$ 14.17 |
|
Extreme sports |
Starr TraveLead Comprehensive with COVID-19 Coverage (Bronze Plan) |
From S$16.31 |
|
Highest overseas medical coverage |
Singlife Travel Lite |
From S$23.12 |
|
Travelling while pregnant |
MSIG Elite Plan |
From S$ 22.80 |
|
Family |
Direct Asia Travel Insurance - Voyager 150 |
From S$16.07 |
|
Elderly |
Income Travel Insurance Classic Plan |
From S$21.49 |
|
Flight diversion/cancellation/postponement |
FWD Premium |
From S$14.17 |
All premiums are based on a 3-day single-trip plan for one adult (as of November 2025). Actual prices vary by age, health condition, and travel party size.
Why you should get travel insurance (and what happens when you don’t)
Travel delays, lost bags, or medical bills abroad, it’s not just about refunds, it’s about peace of mind. Here’s why skipping travel insurance could cost you more than your trip.
Comparison Batam travel insurance coverage
|
Travel insurance provider |
Overseas medical expenses |
Post-trip medical expenses |
Loss/damage of personal baggage |
Trip cancellation |
Total premium (3D2N single trip) |
|
Starr International |
Up to S$1,000,000 |
Up to S$50,000 |
Up to S$7,500 |
Up to S$15,000 |
From S$16.31 |
|
HL Assurance Travel Protect360 |
Up to S$500,000 |
Up to S$20,000 |
Up to S$7,000 |
Up to S$12,000 |
From S$18.40 |
|
MSIG |
Up to S$60,000 |
Up to S$75,000 |
Up to S$7,500 |
Up to S$15,000 |
From S$15.77 |
|
Allianz Travel Hero |
Up to S$250,000 |
- |
Up to S$3,000 |
Up to S$5,000 |
From S$8.01 |
|
Great Eastern TravelCare |
Up to S$40,000 |
Up to S$25,000 |
Up to S$8,000 |
Up to S$15,000 |
From S$22.00 |
|
FWD |
Up to S$1,000,000 |
Up to S$30,000 |
Up to S$7,500 |
Up to S$15,000 |
From S$14.17 |
|
Singlife Travel |
Unlimited |
Up to S$80,000 |
Up to S$8,000 |
Up to S$20,000 |
From S$23.12 |
|
Allied World Travel Protector |
Up to S$500,000 |
Up to S$50,000 |
Up to S$5,000 |
Up to S$15,000 |
From S$21.45 |
|
Zurich Travel Protect |
Up to S$250,000 |
- |
Up to S$5,000 |
Up to S$7,500 |
From S$ 16.50 |
|
Direct Asia Voyager |
Up to S$500,000 |
Up to S$25,000 |
Up to S$5,000 |
Up to S$15,000 |
From S$16.07 |
|
Income Travel Insurance |
Up to S$50,000 |
Up to S$50,000 |
Up to S$8,000 |
Up to S$15,000 |
From S$21.49 |
>>MORE: Best Travel Insurance Promotions and Discounts in 2025
What is the average cost of travel insurance for your Batam trip?
With so many travel insurance providers offering discounts and varying coverage tiers, here’s an estimated breakdown of how much a basic single-trip plan for a 3D2N Batam holiday could cost in 2025.
S$16.31 + S$18.40 + S$15.77 + S$8.01 + S$22.00 + S$14.17 + S$23.12 + S$21.45 + S$16.50 + S$16.07 + S$21.49 = S$193.29
S$193.29 ÷ 11 = S$17.57
Estimated average premium: ~S$18 for a 3D2N Batam trip.
Travel insurance and safety tips for ferry trips to Batam
Travelling to Batam from Singapore via ferry is common but it’s not without its risks. Incidents like the 2023 fire aboard a Singapore-registered passenger ferry off Kusu Island and 2016 Batam-Singapore ferry collision are reminders that something can go wrong even when you least expect it to.
To mitigate such risks, it’s crucial to have travel insurance that covers common or potential maritime-specific dangers such as:
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Fire hazards: Fires on ferries can post significant dangers due to limited escape routes and proximity to water.
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Collisions and sinking: Hitting floating objects can compromise ferry integrity, leading to sinking or serious damages.
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Life vest and safety equipment failures: In emergencies, malfunctioning safety equipment can exacerbate situations, posing greater risks or losses.
Having reliable insurance coverage is essential so you and your items are financially protected, giving you one less thing to worry about should anything unexpected or unfortunate happen.
Apart from buying insurance, other safety tips for ferry travel to Batam are:
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Know the safety procedures: Always pay attention to the safety briefing aboard the ferry. Even if you regularly ride the ferry, listening to the briefing keeps you updated on any SOP changes and keeps the information fresh in your mind should you need to use it.
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Locate life vests: Check the location of life vests and how to wear them properly. If you’re travelling with children, familiarise yourself with options for children’s life vests.
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Stay aware of emergency exits: Familiarise yourself with the ferry's layout and emergency exits.
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Monitor weather conditions: Avoid ferry travel during severe weather conditions if possible.
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Use reputable ferry services: Choose ferry operators with good safety records and adequate safety measures.
Debunked: The 6 biggest travel insurance myths for Singapore travellers
Think travel insurance is just for medical emergencies? Think again. We bust the biggest misconceptions stopping Singaporeans from getting the protection they really need.
Selecting the optimal travel insurance plan for your Batam journey
When choosing the right travel insurance for Batam, consider:
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Adequate coverage: Ensure the plan covers all potential risks relevant to your itinerary and travel needs. It should also cover basic needs like COVID-19 related medical expenses, trip delays/cancellations/postponement, and loss/delay of baggage.
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Policy premiums: Compare costs across different plans, looking for value rather than just the cheapest option. While cheap travel insurance can help you save on your holiday budget, it may come at the expense of limited benefits or lower coverage caps.
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Special activities coverage: If your trip involves special activities like water sports, ensure these are specifically covered. You may need to purchase add-ons, riders, or specific adventure travel insurance that cater to the activities you intend to engage in.
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Pre-existing conditions: Make sure any existing health issues are covered to avoid unexpected medical bills. You can also seek out specialised pre-existing conditions travel insurance to ensure you’re fully protected.
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Trip cancellation and baggage safety: Choose a plan that offers compensation for both cancelled plans and lost or damaged belongings.
Benefits of travel insurance for trips to Batam
Given the variety of unforeseen events that can occur on a trip to Batam, such as medical emergencies, travel disruptions, or legal liabilities, having the right insurance safeguards your journey, finances, and well-being. Here are some of the essential benefits your Batam travel insurance plan should cover:
Accidental death and permanent disablement
Travel insurance offers crucial financial protection in tragic circumstances, providing a lump sum payment in the event of accidental death or permanent disability. This benefit is vital for securing the financial future of your dependents or covering ongoing care costs if you suffer a life-changing injury, so that a misfortune doesn't lead to financial instability.
>>MORE: 5 things you need to know about travel insurance
Medical expenses incurred in the trip
One of the most significant concerns while travelling is the potential cost of medical care, particularly in emergencies. Travel insurance to Batam should cover expenses such as emergency medical treatments, hospitalisation and associated fees, and dental emergencies which can incur costly out-of-pocket expenses if uninsured.
Travel delay and baggage loss
Compensation for travel delays and for loss or damage to personal belongings will help to replace essential items and cover additional travel expenses. Check the specific sub-limits of the policy to see what items are or are not included, and what the maximum coverage per item or item type is. For example, some policies may cap coverage for laptops at S$1,000.
Personal liability and loss of personal money
Provides coverage if you're legally liable for injuring someone or damaging property, and reimburses you if money is stolen during your trip. This will be crucial if you’re involved in an accident or experience a theft.
Conclusion
The right travel insurance for your Batam trip offers peace of mind against medical emergencies, ferry delays, lost belongings, and trip disruptions. Compare plans and choose coverage that suits your budget and travel style, so you can relax and enjoy your getaway knowing you’re well protected.
Top 6 credit cards with complimentary travel insurance in Singapore (2025)
Don’t pay extra for peace of mind. These travel-friendly credit cards come with built-in insurance, perfect for flight hiccups, delays, and emergencies abroad.
Frequently asked questions about travelling to Batam
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Ensure you check your passport validity and visa requirements.
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Make sure you get all the necessary and/or recommended vaccinations.
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Purchase travel insurance to Batam from Singapore to cover potential health, safety, or accidental risks.
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Change enough local currency.
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Check the latest travel and weather advisories for Batam and plan accordingly.
While travel insurance is not legally required for trips to Batam from Singapore, it is highly recommended. Trips abroad can unpredictably be disrupted by issues like medical emergencies, which may not be fully covered by your existing health policies outside of Singapore. Travel insurance can also help manage inconveniences related to travel delays or cancellations and loss of personal belongings, ensuring that unexpected events don't lead to significant out-of-pocket expenses.
Before travelling to Batam you should:
Yes, most travel insurance for Batam includes ferry trips between Singapore and Batam, covering risks like accidents and delays during the ferry journey. Check your plan for explicit ferry coverage.
Buy insurance that covers your trip from departure to return, with dates matching your ferry schedule. Overlapping or extra days (such as late return) are advisable to prevent any gaps in coverage
Base travel insurance policies typically exclude high-risk activities or sports, such as jet skiing, parasailing, scuba diving without a certified guide, or adventure sports unless stated as add-ons. Other common exclusions are participation in professional sports, pre-existing medical conditions, intoxication-related incidents, and illegal activities. Always review exclusions in your plan’s Product Summary, especially if you intend to participate in water sports, ride motorbikes, or try “adventure” activities during your stay.
About the author
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.