Comprehensive Coverage with Income Travel Insurance
Updated: 18 Jun 2026
China
- Exclusive perks for Income policyholders
- Post-departure purchase allowed (only insurer)
- Family can visit you if hospitalized overseas
Income Single Trip Comparison
Product | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
S$5000 | S$1000 | S$3000 | S$12500 | S$1000 | S$2000 | - | S$100 | S$1000 | S$500000 | S$100 | - | - | S$12500 | S$150000 | S$250000 | - | S$10000 | S$300 | - | - | - | - | - | S$3000 | S$250 | - | S$1500 | - | - | - | S$100 | - | |
S$10000 | S$1200 | S$5000 | S$25000 | S$1500 | S$2000 | - | S$200 | S$2000 | S$1000000 | S$200 | - | - | S$25000 | S$200000 | S$500000 | - | S$20000 | S$500 | - | - | - | - | - | S$5000 | S$350 | - | S$2000 | - | - | - | S$150 | - | |
S$15000 | S$2000 | S$8000 | S$50000 | S$2000 | S$2000 | - | S$500 | S$3000 | S$1000000 | S$500 | - | - | S$50000 | S$500000 | S$1000000 | - | S$50000 | S$1000 | - | - | - | - | - | S$8000 | S$500 | - | S$2500 | - | - | - | S$300 | - |
Income Annual Trip Comparison
Product | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
S$5000 | S$1000 | S$3000 | S$12500 | S$1000 | S$2000 | - | S$100 | S$1000 | S$500000 | S$100 | - | - | S$12500 | S$150000 | S$250000 | - | S$10000 | S$300 | - | - | - | - | - | S$3000 | S$250 | - | S$1500 | - | - | - | S$100 | - | |
S$10000 | S$1200 | S$5000 | S$25000 | S$1500 | S$2000 | - | S$200 | S$2000 | S$1000000 | S$200 | - | - | S$25000 | S$200000 | S$500000 | - | S$20000 | S$500 | - | - | - | - | - | S$5000 | S$350 | - | S$2000 | - | - | - | S$150 | - | |
S$15000 | S$2000 | S$8000 | S$50000 | S$2000 | S$2000 | - | S$500 | S$3000 | S$1000000 | S$500 | - | - | S$50000 | S$500000 | S$1000000 | - | S$50000 | S$1000 | - | - | - | - | - | S$8000 | S$500 | - | S$2500 | - | - | - | S$300 | - |
Frequently asked questions about Income Travel Insurance
Income does not cover travel to countries or regions under an active travel advisory or sanctioned by authorities at the time of travel. War zones and highly restricted territories are excluded. It’s best to check Income’s official travel insurance policy wording or website for the updated exclusion list.
Find the right Income Travel Insurance plan on SingSaver and enjoy peace of mind wherever you go. Compare affordable single-trip and annual policies with coverage for medical emergencies, COVID-19, flight delays, trip cancellations, lost baggage, and even adventurous activities. Whether you’re heading to nearby destinations like Malaysia and Thailand or long-haul trips to Japan and Australia, SingSaver makes it easy to secure protection that fits your travel needs.
Income Travel Insurance Classic Plan
- Price: (Single trip, worldwide, 3 days for 1 adult)
-
- S$ 59.60 60% off
- S$ 23.84
- Medical coverage (overseas): S$250,000 (Single trip, worldwide, 3 days for 1 adult)
- Trip cancellation coverage: S$5,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$3,000 (Single trip, worldwide, 3 days for 1 adult)
Key features
- Travel worry-free with the pre-existing medical condition coverage option
- Access round-the-clock support wherever you are in the world
- Quick and hassle-free claims process with its user-friendly online platform
- Family plans offer comprehensive coverage for you, your spouse and your children under a single policy
- Add-on coverage for adventure sports and activities available
Plan highlights
- Trip cancellation coverage: S$5,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$3,000 (Single trip, worldwide, 3 days for 1 adult)
- Death & total and permanent disability: S$150,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (overseas): S$250,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (in SG): S$12,500 (Single trip, worldwide, 3 days for 1 adult)
- Rental vehicle excess cover: S$1,500 (Single trip, worldwide, 3 days for 1 adult)
Leisure activities
- Bungee jumping
- Hiking
- Hot air balloon ride
- Scuba diving
- Sky diving
- Snow/ice sports
Income Travel Insurance Deluxe Plan
- Price: (Single trip, worldwide, 3 days for 1 adult)
- S$ 73.71 60% off
- S$ 29.49
- Medical coverage (overseas): S$500,000 (Single trip, worldwide, 3 days for 1 adult)
- Trip cancellation coverage: S$10,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$5,000 (Single trip, worldwide, 3 days for 1 adult)
Key features
- Travel worry-free with the pre-existing medical condition coverage option
- Access round-the-clock support wherever you are in the world
- Quick and hassle-free claims process with its user-friendly online platform
- Family plans offer comprehensive coverage for you, your spouse and your children under a single policy
- Add-on coverage for adventure sports and activities available
Plan highlights
- Trip cancellation coverage: S$10,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$5,000 (Single trip, worldwide, 3 days for 1 adult)
- Death & total and permanent disability: S$200,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (overseas): S$500,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (in SG): S$25,000 (Single trip, worldwide, 3 days for 1 adult)
- Rental vehicle excess cover: S$2,000 (Single trip, worldwide, 3 days for 1 adult)
Leisure activities
- Bungee jumping
- Hiking
- Hot air balloon ride
- Scuba diving
- Sky diving
- Snow/ice sports
Income Travel Insurance Preferred Plan
- Price: (Single trip, worldwide, 3 days for 1 adult)
- S$ 100.78 60% off
- S$ 40.31
- Medical coverage (overseas): S$1,000,000 (Single trip, worldwide, 3 days for 1 adult)
- Trip cancellation coverage: S$15,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$8,000 (Single trip, worldwide, 3 days for 1 adult)
Key features
- Travel worry-free with the pre-existing medical condition coverage option
- Access round-the-clock support wherever you are in the world
- Quick and hassle-free claims process with its user-friendly online platform
- Family plans offer comprehensive coverage for you, your spouse and your children under a single policy
- Add-on coverage for adventure sports and activities available
Plan highlights
- Trip cancellation coverage: S$15,000 (Single trip, worldwide, 3 days for 1 adult)
- Loss/Damage of baggage coverage: S$8,000 (Single trip, worldwide, 3 days for 1 adult)
- Death & total and permanent disability: S$500,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (overseas): S$1,000,000 (Single trip, worldwide, 3 days for 1 adult)
- Medical coverage (in SG): S$50,000 (Single trip, worldwide, 3 days for 1 adult)
- Rental vehicle excess cover: S$2,500 (Single trip, worldwide, 3 days for 1 adult)
Leisure activities
- Bungee jumping
- Hiking
- Hot air balloon ride
- Scuba diving
- Sky diving
- Snow/ice sports
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
COVID-19 coverage
- Coverage for loss, theft, or damage of personal items
- Benefits up to S$7,500
Pros and cons of Income Travel Insurance
| Pros | Cons |
|
✅ 24/7 emergency assistance & auto-extension: You get round-the-clock global support and automatic policy extension if your trip is delayed ✅ Adventure and specialty coverage: Includes optional protection for adventurous activities (e.g. skiing, skydiving, bungee) and cruise trips. ✅ Extensive medical & evacuation coverage: High overseas medical limits with optional Pre-Existing condition coverage (Enhanced PreX) to include conditions like asthma, diabetes, and hypertension. ✅ Comprehensive coverage: Includes COVID-19, emergency medical evacuation, personal belongings protection, and more. |
❌ Higher premiums: Overall, Income’s policies can be pricier than alternatives like FWD or TIQ, especially for plans with Pre-Existing condition coverage. ❌ Limited coverage for some adventure activities: Certain high-risk activities such as outdoor rock climbing, mountaineering, and wingsuit flying are excluded |
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 Make A Claim For Income Travel Insurance
- 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)
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
- Singlife Travel Insurance Singapore
- Sompo Travel Insurance Singapore
- Starr Travel Insurance Singapore
- TIQ Travel Insurance Singapore
- Tokio Marine Travel Insurance Singapore
- Zurich Travel Insurance Singapore