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 |
|
❌ 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
- 1. Submit your claim within 30 days via WhatsApp, the FWD SG app, or the online claims portal.
- 2. Complete the online claims form with your personal and policy details.
- 3. Provide supporting documents such as medical reports, receipts, and travel records.
- 4. Await claim review, confirmation, and reimbursement from FWD.
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.
Related pages
Unsure if FWD Travel Insurance is the best fit for you? Explore other travel insurance providers in Singapore:
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Allianz Travel Insurance Singapore
Allied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore
