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FWD Travel Insurance Review 2024: Compare and Find the Best FWD Travel Insurance in Singapore 2024

Let’s find the most affordable Travel Insurance for your trip!

Coverage Type
Adults
Children
Family refers to at most 2 parents (insured person and legal spouse) and children below 18 years of age. Refer to insurer's brochure for specific definition of Family.

FWD Premium

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$7,500

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000
Lowest price in Singapore guaranteed
S$ 13.63
(S$4.54/day)
30% offS$ 19.47

FWD Business

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$500,000

Bags & Belongings Coverage
S$5,000
Lowest price in Singapore guaranteed
S$ 20.35
(S$6.78/day)
30% offS$ 29.07

FWD First

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$7,500
Lowest price in Singapore guaranteed
S$ 22.98
(S$7.66/day)
30% offS$ 32.83

Difference between FWD's Annual and Single Trip Travel Insurance

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

Best for?

  • Annual Trip Insurance is best suited for frequent travellers who take multiple trips in a year. It offers the convenience of a single purchase for year-round coverage, ensuring peace of mind no matter how many trips you take. It's an ideal choice for business travellers, globetrotters, and anyone who loves spontaneous weekend getaways. Compare the best annual travel insurance in Singapore to find one that’s suitable for you.
  • Single Trip Insurance is designed for travellers who take one or two trips a year, whether that’s a cheap getaway from Singapore or a month-long sabbatical to Europe. It provides tailored coverage for the specifics of a single trip, making it a cost-effective option for occasional travellers, family vacations, or once-in-a-lifetime journeys.

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


Review of 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.


Product Highlights

180-day Advance Purchase

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.

Unlimited Emergency Medical Evacuation & Repatriation

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.

Delayed, Theft of or Damage to Personal Belongings

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.


What Does FWD Travel Insurance Cover?

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.

Overseas Medical Evacuation & Repatriation

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.

Overseas and Local Medical Expenses Coverage

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.

Overseas Accidental Dental Expenses

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.

Daily Income if Hospitalised

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.

Death or Permanent Disability Coverage

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.

Trip Inconvenience: Cancellations, Disruptions, and Delays

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

Missed Flight Connections

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.

Personal Baggage Delay

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.

Lost/Damaged/Theft of Personal Baggage or Personal Belongings

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.

Personal Liability and Legal Expenses

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.


Optional Add-On Coverage

Comprehensive COVID-19 Coverage

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.

Sports Equipment Protection

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.

Pet Care in Case of Trip Delay

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.

Home Contents Cover

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.

Car Rental Excess

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.

Cancel for Any Reason

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.


Policy & Coverage Types Available

Single Trip Policy

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.

Annual Multi-Trip Policy

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.

Family

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.

Group

The Group policy provides coverage for a group of people travelling together, such as friends, colleagues, or members of a tour group.


How Does The Claiming Process Work? 

Step 1: Make a Claim Within 30 Days of the Incident

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.

Step 2: Complete an Online Claims Form

Complete the claims form with your personal particulars, stating the nature of your claim, NRIC, policy number, and email.

Step 3: Provide All Relevant Documentation

You will need to provide documentation to support your claim. This includes:

  • Medical reports, photos, and/or email evidence
  • Proof of ownership for claimed items
  • Travel-related documents such as invoices, tickets, boarding passes, and copies of your passport and visas
  • Original invoices and receipts
  • Reports from police, airlines, and other transport or accommodation providers

Step 4: Await Claims Confirmation and Reimbursement

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.

Convenient Cashless Payment Methods and Medical Claims

FWD Travel Insurance offers cashless payment options with PayNow, Grabpay, and other cashless modes for policy purchases and medical claims.


Advantages and Disadvantages of FWD Travel Insurance

Pros

  • 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.

Cons

  • 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.


Frequently Asked Questions About FWD’s Travel Insurance Plans

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

No, you can purchase FWD travel insurance as long as you are in Singapore before immigration.

How do I cancel my FWD Travel Insurance 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.

Can I extend my FWD Travel Insurance 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 upon 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's travel insurance?

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)

Is there an age limit to purchasing FWD Travel Insurance?

You must be 16 years old or above to buy FWD Travel Insurance.

Where can I get a quote or purchase travel insurance from FWD?

You can get a quote or purchase FWD Travel Insurance online through Singsaver.

How do I contact FWD?

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. 

Does FWD Travel Insurance cover terrorism?

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.

Does FWD Travel Insurance cover fraudulent credit card charges?

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. 

How much am I entitled to claim for delayed flights?

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.

How much am I entitled to claim for lost baggage?

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.

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.

How does FWD define “Child” for the purpose of travel insurance?

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.

What types of travel insurance does FWD offer, and what is the maximum number of people allowed in a policy?

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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