Why choose Income Travel Insurance
Income Travel Insurance offers comprehensive travel protection designed specifically for Singaporeans. It covers a wide range of travel-related risks, including medical emergencies, trip cancellations, lost baggage, and travel delays. With flexible plans catering to various travel styles and budgets, optional coverage for pre-existing conditions, and 24/7 global assistance, Income Travel Insurance ensures travellers can explore the world with confidence.
Income Travel Insurance coverage details
Overseas medical evacuation & repatriation
- Covers emergency medical evacuation to nearest facility or back to Singapore
- Includes cost of air transportation
Comprehensive medical 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
Trip cancellation and interruption
- Covers accidental dental treatment costs incurred overseas
- Benefit ranges from S$2,000 to S$5,000
Baggage protection
- Daily cash allowance for hospitalisation overseas due to illness/injury
- Coverage ranges from S$5,000 to S$10,000 depending on policy type
Travel delay compensation
- 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
Personal liability coverage
- Reimburses non-refundable expenses such as hotels and transport
- Includes flight delay insurance
Emergency medical evacuation
- Cash benefits for expenses caused by missed connections
- Coverage up to S$500
Travel inconvenience benefits
- Cash benefits for delayed baggage arrival
- Coverage ranges from S$150 to S$900
H3 COVID-19 coverage
- Coverage for loss, theft, or damage of personal items
- Benefits up to S$7,500
H2 Pros and cons of Income Travel Insurance
Pros and cons of Direct Asia Travel Insurance
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Income Travel Insurance offers broad and reliable protection with strong medical, evacuation, and COVID-19 coverage, along with optional benefits for adventure activities and pre-existing conditions. While it provides peace of mind for most travellers, premiums tend to be higher than some competitors, and coverage for extreme adventure sports remains limited.
Income Travel Insurance compared to other insurance providers
| Provider | Best for | Medical coverage (overseas) | Medical coverage (local) | Trip cancellation | Loss of baggage | Premium |
| Income | Trusted all-round coverage | S$250,000 | S$12,500 | S$5,000 | S$3,000 | S$23.84 |
| 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 |
*All calculations are based on a single trip, worldwide, 3 days for 1 adult.
Income stands out for its reliable all-round coverage, strong medical benefits, and dependable travel protection.
How to claim
- Notify Income Travel Insurance immediately after an incident.
- Gather necessary documents (claim form, policy copy, travel proof, relevant reports)
- Submit claims within 30 days of the incident
- Assessment by the claims team, with possible requests for additional information
- The decision is communicated, including settlement details if approved (you can check claim status through the online portal or customer service)
Frequently asked questions about Income Travel Insurance
Can I purchase Income Travel Insurance if I am already overseas?
Yes. Income allows you to purchase a policy within 24 hours after leaving Singapore. However, certain benefits (such as trip cancellation) will not apply if the policy is bought after departure.
What is the cancellation policy?
If you cancel before your policy starts, Income will typically provide a full refund of the premium, provided no claims have been made. Once the policy has commenced, cancellation is generally not allowed.
What is the refund policy?
Premium refunds are only available if cancellation is made prior to the commencement of coverage and no claims have been submitted. After the policy start date, no refund is usually given.
Can I extend my Income policy while I am already overseas?
Yes. Policies are automatically extended up to 30 days if you are unavoidably delayed overseas due to circumstances beyond your control. You may also request an extension before your policy expires, subject to Income’s approval.
Which countries are excluded from Income coverage?
Income does not cover travel to countries or regions under an active travel advisory or sanctioned by authorities at the time of travel. War zones and highly restricted territories are excluded. It’s best to check Income’s official travel insurance policy wording or website for the updated exclusion list.
What does "Cancel For Any Reason" mean and what does it cover?
Income does not currently offer a “Cancel For Any Reason” (CFAR) add-on. Instead, trip cancellation is covered only for specific reasons such as illness, injury, natural disasters, civil commotion, or unexpected events listed in the policy.
Related pages
While Income Travel Insurance is a reputable provider, it's always a good idea to compare quotes and coverage options from other travel insurance providers before making a decision. Some popular alternatives in Singapore include:
- AIG Travel Insurance Singapore
- Allied World Travel Insurance Singapore
- Direct Asia Travel Insurance Singapore
- Great Eastern Travel Insurance Singapore
- HL Assurance Travel Insurance Singapore
- MSIG Travel Insurance Singapore
- Seedly Travel Insurance Singapore
- Singlife Travel Insurance Singapore
- Sompo Travel Insurance Singapore
- Starr Travel Insurance Singapore
- TIQ Travel Insurance Singapore
- Tokio Marine Travel Insurance Singapore
