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FWD Travel Insurance in Singapore 2019 Review

FWD Travel Insurance: 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.
Promo Code: TRAVEL25 (get 25% discount)
Pros:
  • Full Terrorism Cover
  • Unlimited emergency medical evacuation cover
  • FWDFLYER App
Cons:
  • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
  • No Pre-existing conditions cover
  • No benefit payable for participation in sports activities as a professional or financial reward
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, access to 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.

Table of Content

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 Practitioner’s advice/ Travelling for purpose of seeking medical advice Travelling against advice of regulatory authorities/ Travelling to a country at war
Childbirth/pregnancy-related complications Items taken/ destroyed by customs or other officials
Dental treatment claims not classified as Medically Necessary Participation in sports activities as a professional or financial reward
Any sexually transmitted infections, human immunodeficiency virus (HIV) or any HIV-related Illness Claims covered by other insurance

Types of Plan

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.
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
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.

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 Averages
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 Averages
1 week ASEAN $25 $33
1 week Asia $31 $41
1 week Worldwide $40 $59
Annual ASEAN $191 $206
Annual Asia $198 242
Annual Worldwide $286 $332
Top Shelf Plan
FWD First Plan Industry Top Shelf Plan Averages
1 week ASEAN $33 $47
1 week Asia $52 $58
1 week Worldwide $54 $80
Annual ASEAN $210 $260
Annual Asia $222 $310
Annual Worldwide $321 $430

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
Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2019 or use our travel insurance comparison tool.