When planning your travels, choosing the right insurance policy is crucial. FWD offers two main types of travel insurance: Annual and Single Trip. Each is designed to cater to different travel needs, frequencies, and coverage preferences. Below is a comprehensive comparison of key coverage features and exceptions for both plans to help you decide which best suits your travel plans.
Coverage Feature | Annual Trip Insurance | Single Trip Insurance |
Emergency Medical Evacuation & Repatriation | Unlimited coverage for multiple trips throughout the year | Unlimited coverage for one specific trip |
Trip Cancellation and Loss of Deposit | Covers cancellations for any trip during the policy period, up to the policy limit | Coverage for trip cancellation specific to the booked trip, up to the policy limit |
Baggage Delay | Compensation for baggage delays for each trip, subject to policy conditions | Compensation for baggage delay on the specific trip, according to policy terms |
Theft of or Damage to Baggage or Personal Belongings | Covered for every trip taken during the policy period, up to the policy limit | Coverage applies to the single trip, with compensation up to the policy limit |
Overseas Medical Expenses (for an Adult below 70 years old) | Extensive medical expense coverage for every trip within the policy year | Medical expense coverage for the duration of the one trip, as per policy terms |
Exceptions | Certain exclusions apply across all trips taken within the policy period | Exclusions specific to the circumstances of the single trip |
Choosing between FWD’s Annual and Single Trip insurance depends on your travel frequency, the nature of your trips, and the coverage specifics you prioritise. Both plans offer comprehensive protection to ensure your travels are worry-free, with the flexibility to cater to the unique needs of all types of travellers.
Compare annual vs single trip travel insurance.
FWD Travel Insurance offers coverage to travellers for medical expenses, trip cancellation, trip interruption, baggage loss, and other travel-related mishaps.
One of the key features of FWD Travel Insurance is its simplicity and ease of use. The company has designed the policy to be user-friendly, with clear and concise terms and conditions that are easy to understand. FWD Travel Insurance can be purchased through Singsaver, while claims can be submitted online for convenience.
Overall, FWD Travel Insurance offers a range of coverage options to suit different types of travellers and is a reliable and user-friendly option for travellers seeking coverage for their trips.
For travellers who like to purchase flights months before their trip, they can also buy FWD Travel Insurance six months in advance so that they can spend more time preparing for their travel rather than worrying about getting travel insurance last minute. This feature is beneficial for travellers who like to plan ahead.
In the event of a medical emergency while travelling, FWD Travel Insurance provides unlimited coverage for emergency medical evacuation and repatriation. This includes emergency transportation to a medical facility and the cost of returning your remains to your home country in the event of your passing.
FWD Travel Insurance offers essential coverage for baggage delays, theft, and damage, ensuring peace of mind during your travels. This includes cash benefits for delays and reimbursement for stolen or damaged personal belongings and coverage for lost luggage. This allows you to enjoy your journey without worrying about the safety of your belongings.
FWD Travel Insurance in Singapore stands out for its extensive coverage options, ensuring travellers are well-protected on their journeys. Here, we explore the various types of coverage provided, highlighting why FWD's offerings are highly regarded in numerous reviews.
FWD Singapore Travel Insurance offers emergency medical evacuation from a foreign country to the nearest medical facility or back to Singapore for medical treatment if necessary, covering the cost of air transportation.
FWD Travel Insurance provides reimbursement for medical expenses incurred during your travels overseas. This includes coverage for inpatient and outpatient services, such as hospitalisation, doctor's visits, and prescription drugs. FWD will also reimburse local medical expenses if the insured person sought treatment within 48 hours of return to Singapore due to injury or illnesses incurred overseas.
FWD Travel Insurance covers accidental dental treatment costs incurred while travelling, with benefits ranging from S$2,000 to S$5,000, ensuring your smile stays protected.
FWD Travel Insurance provides daily cash payment if you are hospitalised overseas due to an illness or injury during your travels. The payment is designed as an allowance to cover incidentals. The maximum benefit limit per person varies depending on your policy type and ranges from S$5,000 to S$10,000.
In the unfortunate event of death or permanent disability during your travels, FWD's Travel Insurance delivers a lump-sum payment. The coverage limit for this benefit varies depending on the policy and age, ranging between S$200,000 to S$400,000.
FWD's Singapore Travel Insurance reimburses for non-refundable expenses incurred due to trip cancellations and disruptions. It typically covers expenses like hotel accommodations and transportation costs. Learn more about flight delay insurance.
This coverage provides cash benefits for expenses incurred due to missed flight connections, such as hotel accommodations and transportation costs. FWD provides a maximum coverage limit of up to S$500.
This coverage provides cash benefits for expenses incurred due to a delayed baggage arrival.
The coverage limit for this benefit varies depending on the policy, but it is often in the range of S$150 to S$900.
In case of lost, damaged, or stolen personal baggage or belongings, FWD’s Travel Insurance ensures you're covered, with benefits up to S$7,500, protecting your valuables during your travels.
FWD's Travel Insurance also includes coverage for legal expenses and liability in the event of accidents or injuries caused during your travels, offering significant protection limits.
Each of these coverage options is designed to provide peace of mind and security, making FWD’s insurance options a top choice for travellers. As highlighted in many reviews, their policies ensure comprehensive protection, allowing you to focus on enjoying your travels.
As the COVID-19 pandemic continues to impact travel, many travel insurance policies, including FWD Travel Insurance, offer comprehensive coverage for COVID-19 related issues as an add-on benefit. This may include coverage for medical expenses, overseas quarantine allowance, trip cancellations or interruptions, and other related issues. Get covered up to S$200,000 in COVID-19 medical costs incurred and up to S$5,000 for trip cancellation due to COVID-19.
Enhance your travel insurance with FWD's optional Sports Equipment Protection. This add-on safeguards against loss, theft, or accidental damage to your sports gear, offering up to S$2,000 in coverage. Should you need rental replacements, receive up to S$100 daily to keep your adventure on track.
FWD's Pet Care add-on ensures your pets are well taken care of if travel delays keep you from returning home as planned. With this travel insurance add-on, you can receive S$50 for every six-hour delay, with total coverage up to S$150, ensuring your furry friends' needs are met even when you're away.
Secure your home with FWD's Home Contents Cover, an optional benefit that protects against burglary and fire while you travel. Enjoy peace of mind with up to S$6,000 in coverage, safeguarding your home's contents throughout your trip's duration.
Opt for peace of mind with FWD's Car Rental Excess cover, an essential for those planning to drive overseas. This benefit, available with Premium, Business, or First travel insurance policies, covers up to S$300 for rental vehicle excess in case of accidents or breakdowns, avoiding unexpected rental expenses.
FWD’s Cancel for Any Reason add-on offers reimbursement if you cancel, postpone or cut short your trip for any reason not covered by the original travel insurance policy. Get covered up to S$6,000 for peace of mind. This add-on must be purchased within 7 days from the initial trip deposit for your trip.
This policy provides coverage for a one-time trip and is ideal for individuals or families travelling for a short period. It covers you for a specific duration of your trip, usually up to 180 days.
This policy is ideal for frequent travellers and provides coverage for unlimited trips within a year, as long as one trip is 90 days or less. With this policy, you do not have to purchase travel insurance each time you travel.
The Family policy is designed for families travelling together. It covers the policyholder, their spouse, and up to five children under 21 or up to 25 years old for full-time students.
The Group policy provides coverage for a group of people travelling together, such as friends, colleagues, or members of a tour group.
For any incidents, including COVID-19 medical expenses or baggage damage, you must report your claim to FWD within 30 days. This can be done through WhatsApp, the FWD SG app, or their online claims portal.
For WhatsApp claims related to travel or baggage delays, simply text “I’ve a claim” to FWD Claims at +65 9128 8552 along with photos of necessary documents. If submitting hardcopy claims, first complete the online claims form and mail the original documents to FWD Singapore Pte Ltd (Claims Team), at their Suntec Tower 4 address.
To ensure your claim is processed smoothly, notify FWD within the 30-day window using the standard forms found on their app or claims portal. FWD will acknowledge your claim submission within two business days.
Complete the claims form with your personal particulars, stating the nature of your claim, NRIC, policy number, and email.
You will need to provide documentation to support your claim. This includes:
FWD will review your claim and determine whether it is covered under your policy. Should you fall ill with COVID-19 or suffer another illness or injury before, during, or after your trip, FWD may require a medical or postmortem examination (at their cost) to process your claim.
FWD, or their third-party service providers, may also request an interview on a case-by-case basis. Once your claim is reviewed and approved, FWD will proceed with the appropriate payment.
Following these steps ensures a streamlined claims process with FWD, helping you to receive your entitled benefits without delay.
FWD Travel Insurance offers cashless payment options with PayNow, Grabpay, and other cashless modes for policy purchases and medical claims.
FWD Travel Insurance provides extensive protection with its array of benefits tailored for modern travellers, though it has some limitations, especially for those not tech-savvy or needing specific coverage outside its scope.
No, you can purchase FWD travel insurance as long as you are in Singapore before immigration.
To cancel your FWD Travel Insurance policy, contact their customer service or email them to request cancellation. Depending on the terms of your policy, you may be entitled to a refund of the premium paid.
You may be able to benefit from your FWD Travel Insurance's Automatic Policy Extension Coverage during your trip if:
You should contact FWD's customer service for more information on extending your policy.
FWD Travel Insurance excludes coverage for the following countries:
Countries outside of the region for the travel insurance plan that you purchase will not be covered either. (Example: an ASEAN travel insurance will not provide coverage if you are travelling to Europe)
You must be 16 years old or above to buy FWD Travel Insurance.
You can get a quote or purchase FWD Travel Insurance online through Singsaver.
You can contact FWD through their 24-hour customer service hotline at +65 6322 2072, email (contact.sg@fwd.com), or via the live chat feature on their website. You can also fill in your contact details on FWD's "Contact Us" page. This allows their customer service team to reach out to you directly, providing a tailored response to your needs or concerns about FWD Travel Insurance products.
Yes, FWD Travel Insurance typically covers incidents related to terrorism. This encompasses trip cancellations due to travel restrictions imposed on a country by the Singapore Ministry of Foreign Affairs, or injuries sustained overseas due to an act of terrorism. However, it's advisable to review the specific terms and conditions of your policy for any exclusions or limitations.
FWD Travel Insurance plans may offer coverage for fraudulent credit card charges of up to S$1,000 incurred as a result of theft or unauthorised use during your trip.
The compensation amount for delayed flights depends on your FWD Travel Insurance policy's terms. Generally, there's a fixed amount payable after a specified delay duration. For the highest tier plan, you are covered up to S$1,000.
For lost baggage, FWD provides a certain compensation limit, which varies across different policies. This amount is to cover the loss of personal belongings up to the policy's maximum coverage limit. If you purchase the highest tier coverage (FWD First), you can claim up to S$7,500, and up to S$1,000 for loss of passport, travel documents & theft of money. Do check the policy wording for the relevant sublimits.
Coverage includes protection against theft or accidental damage to your luggage and personal effects, excluding travel documents, cash, and traveller's cheques, which are not covered as personal belongings.
In cases where your items are lost or suffer accidental damage while under the responsibility of a transport or accommodation provider, you are required to first pursue a claim with that provider. Obtaining a document from them, stating that your claim has been either rejected or only partially compensated, is essential. For a complete understanding of your entitlements and the claims process, it is advisable to consult the detailed policy documentation provided by FWD.
"Cancel For Any Reason" is an optional benefit allowing you to cancel your trip for any reason not otherwise covered by the standard policy. It typically covers a percentage of your prepaid, non-refundable travel expenses.
FWD offers coverage for travel cancellation for any reason up to S$6,000, where 50% of your accommodation and transportation costs will be reimbursed. However, do read the policy document to find out the terms and conditions.
The "Cancel For Any Reason" optional benefit entitles you to a reimbursement of up to 50% for all your incurred accommodation and transportation expenses, up to the maximum limit specified in the benefits table, should your trip be affected by any of the following scenarios:
For the purpose of travel insurance, FWD defines a “Child” as someone who is travelling with a parent or guardian under the policy and is 21 years of age or younger. Additionally, dependents up to 25 years of age who are still studying full-time on the coverage start date are also defined as a “Child” by FWD.
FWD offers various types of travel insurance, including single-trip, annual multi-trip, and family plans. The maximum number of individuals covered under a single policy can vary, with family plans often covering the policyholder, spouse, and a specified number of children.
For the most accurate and up-to-date information, it's best to consult directly with FWD or review the latest policy documents available on their website.
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