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FWD Travel Insurance Singapore Review (2024) | SingSaver

Last updated 23 August 2023
FWD_2_300

Best in the market for:  Cheapest Single and Annual Trip travel insurance plans

FWD features three tiers of travel insurance plans to cater for different levels of coverage for all kinds of travel destinations and trip duration. FWD’s offer starts from as low as $9 for a single trip and $178.50 for an annual worldwide travel plan.


Product Summary

FWD's travel policies are great for budget-conscious travellers and individuals who already have comprehensive insurance coverage. If you’re going for reliable deals at the lowest price, consider FWD travel insurance policies. FWD travel plans are good for budget conscious travellers and also individuals who already have other comprehensive insurance coverage.

FWD Travel Insurance Product Summary
FWDFLYER App
Enjoy cashless medical outpatient treatment in Singapore, emergency assistance and your travel policy documents through FWD Flyer app.
Fraudulent Personal Credit Card Use
Claim this benefit if unauthorised charges are made on your personal credit card(s) while on your overseas trip.
Sports Coverage
Sports Equipment Protector is available as an add-on.
Leisure Activities Coverage
Covers bungee jumping, hot air balloon ride, hiking, scuba diving, sky diving, snow/ ice sport.
Rental Vehicle Excess Cover
Available as an add-on.
Insolvency Protection
Claim this benefit if your trip is cancelled unavoidably before your scheduled departure date because the travel agent, transport provider, tour operator, and/or accommodation provider responsible for all or part of Your Trip is declared Insolvent.
Travel cancellation, postponement or curtailment for any reason
Claim this benefit if there are any changes to your travel period that are not covered by the plan. This is available as an add-on, offering coverage up to S$6,000.

Exclusions

Medical Exclusions
Trip Inconvenience and Sports Exclusions
Pre-existing conditions (including mental, psychological, psychiatric disorders)     No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
Travelling when medically unfit/ Travelling against Medical  Travelling against advice of regulatory authorities/ Travelling to a country at war

Childbirth/pregnancy-related complications    

Items taken/ destroyed by customs or other officials
Any sexually transmitted infections, human immunodeficiency virus (HIV) or any HIV-related Illness    

Participation in sports activities as a professional or financial reward


Types of Plans

Plan Type
Cancellation
Medical Coverage (overseas)
Bags/Belongings
Premium
$7,500
$200,000 
$3,000
Business
$10,000
$500,000  
 $5,000 
First $15,000 $1,000,000   $7,500

 

FWD provides three tier of Plans with different coverage and pricing - Premium, Business, First. For more details, please read the full list of benefits and exclusions in the policy wording.

Add-Ons/ Optional Riders

Car Rental Excess Cover, Sports Equipment Protector, Pet Care, Home Content Cover
 

FWD Premium Plan

FWD Premium Plan, with its near unbeatable low pricing, is good for travellers who are looking for bargain deals. In terms of travel inconveniences, FWD Premium Plan offers a benefit limit of $150 for baggage delay (at $150 for every six hours of baggage delay overseas and $150 after six hours of baggage delay in Singapore). Personal accident coverage is at $200,000.
 

FWD Business Plan

If you plan to drive and rent a vehicle for a road trip, FWD Business Plan offers car rental excess cover as an add on, capped at $500. In terms of baggage delay, the benefit limit is at $600 (capped at $150 for every six hours of baggage delay overseas and $150 after six hours of baggage delay in Singapore). Personal accident coverage is at $300,000.
 

FWD First Plan

FWD First Plan is the one with the highest limit out of the three type of plans, with car rental excess cover (as an add on) capped at $1,000, baggage delay benefit limit is at $900 (payable at $150 for every six hours of baggage delay overseas and $150 after six hours of baggage delay in Singapore) and personal accident coverage is at $400,000. FWD First Plan is good for travellers who wants a cheap price with a relatively decent amount of coverage.

Pros and Cons List

Pros
Cons
  • Unlimited emergency medical evacuation (across all Plans)
  • Unlimited repatriation of mortal remains (across all Plans)
  • Loss of home content due to burglary
  • Trip cancellation, postponement and curtailment for any reason up to S$6,000
  • Exclusions on a variety of adventurous activities
  • No benefit payable for preexisting conditions
  • No coverage for acts of terrorism

 


Pricing

We will look at pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. FWD stands out for being below industry average for all categories, in terms of pricing!

Basic Plan

  FWD Premium Plan    Industry Basic Plan Average
1 week ASEAN $18 $26
1 week Asia $20 $32
1 week Worldwide $31 $46
Annual ASEAN $134 $149
Annual Asia $142 $208
Annual Worldwide $178 $282

 

Mid-Tier Plan

  FWD Business Plan Industry Mid-Tier Plan Average
1 week ASEAN $25 $33
1 week Asia $31 $41
1 week Worldwide $54 $59
Annual ASEAN $191 $206
Annual Asia $198 $242
Annual Worldwide $286 $332

 

Top Shelf Plan

  FWD First Plan Industry Top Shelf Plan Average
1 week ASEAN $33 $47
1 week Asia $39 $58
1 week Worldwide $54 $80
Annual ASEAN $210 $269
Annual Asia $222 $310
Annual Worldwide $321 $430

 

SingSaver's Exclusive FWD Promotion: Use the promo code FWDTRAVEL to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 20 March 2024. Plus, receive an Apple AirTag (worth S$45) with no minimum premium required. Valid till 25 March 2024 8:59 AM. uy now to receive

  • 8 Max Miles on Heymax for every dollar spent on your premium (transferrable to 20+ popular airline or hotel partners at 1:1 ratio). Learn more about Max Miles . Valid till 24 March 2024.
  • OR a 1GB Airalo eSIM before you fly. Valid till 24 March 2024.
 
 

How to Claim

Submit claims through these FWD channels: 

Website: File a Claim 

Customer Service: +65 6820 8888 

24-Hour Emergency Assistance: +65 6322 2072 

Address: FWD Singapore Pte. Ltd., 6 Temasek Blvd., #18-01 Suntec Tower Four, Singapore 038986


Frequently Asked Questions (FAQs)

Is it compulsory to get travel insurance?

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Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.

Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.

Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.

Who is the best insurer to get travel insurance with?

expand_more

There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.

Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.

How to buy travel insurance in Singapore?

expand_more

You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.

You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.

What is usually covered by travel insurance?

expand_more

Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.

However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.

Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.

How late can you buy travel insurance?

expand_more

There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.

However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).

Can I claim for medical expenses in Singapore after returning from my trip?

expand_more

Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.

Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.

Do I need COVID-19 coverage?

expand_more

Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.

You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.

Can elderly above 70 years old and above purchase travel insurance?

expand_more

It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.

However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.


Looking for travel insurance deals?

 

We’ve got no lack of exclusive promotions to help you save even more!


Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.


Read these next:

5 Best Ways To Shop for Travel Insurance

Will My Travel Insurance Cover COVID-19?

How Different Will Travel Be Post COVID-19?

What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough?

If I Get COVID-19, What Will I Need To Pay?

Singapore Budget 2023 Live Coverage: Key Highlights


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FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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