Comprehensive Coverage with FWD 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 comp…

Cover Type

Single-Trip

Annual

Cover Type

Single-Trip

Annual Multi-trip

Where will you travel?

China

Dates of travel

Adults

Children

Your trip details

Choose your plan

3 tiers, ordered cheapest to most comprehensive.

Best Value

	FWD Premium$25.00SGD / trip	FWD Business$38.26SGD / trip	FWD First$43.06SGD / trip

Overseas medical expenses	S$200,000	S$500,000	S$1,000,000
Trip cancellation	S$7,500	S$10,000	S$15,000
Loss of baggage	S$3,000	S$5,000	S$7,500
Rental car excess	—	S$500	S$1,000

Overseas medical expenses	S$200,000	S$500,000	S$1,000,000
Overseas hospitalisation allowance	S$5,000	S$8,000	S$10,000
TCM expenses	S$300	S$500	S$500
Accidental death and permanent disability	S$200,000	S$300,000	S$400,000

Trip cancellation	S$7,500	S$10,000	S$15,000
Travel delay	S$300	S$800	S$1,500
Personal liability	S$500,000	S$750,000	S$1,000,000

Loss of travel documents	S$300	S$600	S$1,000
Personal money	S$300	S$300	S$300
Baggage/personal belongings delay	S$150	S$600	S$900
Personal liability	S$500,000	S$750,000	S$1,000,000

Offers

SingSaver Reward up to S$95

Purchase through SingSaver and choose from 2 premium rewards

Limited time only

Worth S$50

Limited time only

Worth S$45

Get up to S$50 Grab Voucher

Up to S$50 Grab voucher, with minimum spend

Get an Apple AirTag worth S$45

Apple AirTag, with minimum spend

Highlights

Things to Consider

Fraudulent credit card charges covered

50% trip cancellation for ANY reason (add-on)

Affordable Pre-existing Medical Conditions coverage (add-on)

Policy Documents

Policy Wording

Compare All Insurer Providers

Frequently asked questions about FWD Travel Insurance

Can I purchase FWD Travel Insurance if I am already overseas?

No, you can only purchase FWD travel insurance while you are in Singapore before immigration.
What is the cancellation policy?

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.
What is the refund policy?

FWD Travel Insurance allows a refund if you cancel the policy before the coverage start date and no claims have been made. Once the trip has begun, the policy is non-refundable.
Can I extend my FWD policy while I am already overseas?
You may be able to benefit from your FWD Travel Insurance's Automatic Policy Extension Coverage during your trip if:

Your return to Singapore is delayed by a serious public event, or

You are confined to a hospital overseas at the advice of a medical practitioner

You should contact FWD's customer service for more information on extending your policy.
Which countries are excluded from FWD coverage?
FWD Travel Insurance excludes coverage for the following countries:

Afghanistan

Cuba

Democratic Republic of Congo

Iran

Libya

Liberia

North Korea

Somalia

South Sudan

Sudan

Syria

Yemen

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)
What does "Cancel For Any Reason" mean and what does it cover?

"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.
What is excluded from the "Cancel For Any Reason" optional benefit?
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:

Trip cancellation for any reason: If you're forced to cancel your entire trip for reasons not already covered under the standard Trip Cancellation and Loss of Deposit benefit, we will cover the travel expenses you've incurred.

Trip postponement for any reason: Should you need to postpone your entire trip for reasons outside those covered by the Trip Postponement benefit, we will cover the associated travel expenses.

Trip cut short for any reason: If your trip has already begun and lasted at least 48 hours, and you need to return to Singapore earlier than planned for reasons not covered under the Trip Cut Short benefit, we will cover the incurred travel costs.

Why choose FWD 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.

FWD Travel Insurance coverage details

Overseas medical evacuation & repatriation

Covers emergency medical evacuation to nearest facility or back to Singapore
Includes cost of air transportation

Overseas and local medical expenses coverage

Reimbursement for inpatient and outpatient medical expenses overseas
Covers hospitalisation, doctor’s visits, and prescription drugs
Local medical expenses covered if treatment is sought within 48 hours of return

Overseas accidental dental expenses

Covers accidental dental treatment costs incurred overseas
Benefit ranges from S$2,000 to S$5,000

Daily income if hospitalised

Daily cash allowance for hospitalisation overseas due to illness/injury
Coverage ranges from S$5,000 to S$10,000 depending on policy type

Death or permanent disability coverage

Lump-sum payment in the event of death or permanent disability
Coverage ranges from S$200,000 to S$400,000 depending on policy and age

Trip inconvenience: Cancellations, disruptions and delays

Reimburses non-refundable expenses such as hotels and transport
Includes flight delay insurance

Missed flight connections

Cash benefits for expenses caused by missed connections
Coverage up to S$500

Personal baggage delay

Cash benefits for delayed baggage arrival
Coverage ranges from S$150 to S$900

Lost / Damaged / Theft of personal baggage or personal belongings

Coverage for loss, theft, or damage of personal items
Benefits up to S$7,500

Personal liability and legal expenses

Covers liability and legal expenses from accidents or injuries abroad

Optional add-on coverage

Comprehensive COVID-19 coverage

Medical costs up to S$200,000
Trip cancellation up to S$5,000
Includes quarantine allowance and other COVID-19 related issue

Sports equipment protection

Covers loss, theft, or damage of sports gear
Up to S$2,000 in coverage plus S$100/day rental replacement allowance

Pet care in case of trip delay

Covers pet care costs if delays keep you from returning
S$50 for every 6-hour delay, up to S$150

Home contents cover

Protection for burglary or fire at home while travelling
Up to S$6,000 coverage

Car rental excess

Covers rental vehicle excess costs up to S$300
Available with Premium, Business, or First plans

Cancel for any reason

Reimbursement for cancellation, postponement, or curtailment for any reason
Coverage up to S$6,000
Must be purchased within 7 days of initial trip deposit

Pros and cons of FWD Travel Insurance

Pros

Cons

✅ Ease of use: Offers cashless transactions for purchasing and claims.

✅ Advance purchase: Secure insurance up to 180 days before travel.

✅ Comprehensive coverage: Includes COVID-19, emergency medical evacuation, personal belongings protection, and more.

✅ Added benefits: Covers travel and baggage delays, liability issues, automatic policy extension, and emergency expenses for family support during hospital stays.

❌ Digital proficiency required: Not ideal for those uncomfortable with digital platforms.

❌ Coverage limitations: Excludes pre-existing conditions, losses of loyalty points, and sports activity-related incidents.

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.

FWD Travel Insurance compared to other insurance providers

Provider	Best for	Medical coverage (overseas)	Medical coverage (local)	Trip cancellation	Loss of baggage	Premium
MSIG Standard Plan	Balanced coverage with extras	S$250,000	S$25,000	S$5,000	S$3,000	S$19.40
Starr TraveLead Silver Plan	Frequent travellers	S$500,000	S$20,000	S$10,000	S$5,000	S$27.80
FWD Premium	Affordable medical and trip protection	S$200,000	S$6,000	S$7,500	S$3,000	S$22.92
Singlife Travel Lite	Affordable short trips	S$250,000	S$6,000	S$5,000	S$3,000	S$29.97
HL Assurance Silver	Family travel	S$250,000	S$15,000	S$7,000	S$5,000	S$30.15

*All calculations are based on a single trip, worldwide, 3 days for 1 adult.

FWD stands out for its strong trip cancellation cover and solid all-round protection at an affordable price.

How to claim

Submit your claim within 30 days via WhatsApp, the FWD SG app, or the online claims portal.
Complete the online claims form with your personal and policy details.
Provide supporting documents such as medical reports, receipts, and travel records.
Await claim review, confirmation, and reimbursement from FWD.

In addition to FWD travel insurance, here are some other travel insurance providers available in Singapore:

Credit Cards

Insurance

Loans

Banking

Investments

Comprehensive Coverage with FWD Travel Insurance

Choose your plan