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Compare Travel Insurance Online in Singapore 2024 | Up to 57% OFF

Use MoneySmart's travel insurance Singapore comparison tool to discover the best travel insurance options and secure deals for lost baggage, medical emergencies, flight delays, and other critical coverages.

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[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • Enjoy 25% off your policy premium. Valid till 15 Sep 2024.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

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Destination: Thailand

Duration: 11 Sep 2024 - 13 Sep 2024

HL Assurance Travel Protect360 Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 45% off your policy premium   Get over S$75 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get S$10 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

DirectAsia Voyager 150

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]   • Enjoy 40% off your policy premium.   Get up to   S$55 worth of UPSIZED rewards: • Includes  up to S$25  via PayNow and S$30 Revolut cash reward  with eligible premiums spent . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Zurich Travel Insurance Essential

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy up to 10% off your policy premium.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.   Don't let flight delays ruin your experience, enjoy free lounge access with Zurich Travel Insurance Essential or Prestige plans.

INCOME Standard Classic

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy 55% off your Single Trip  policy premium. T&Cs apply.   Get over S$65 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.    S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Singlife Travel Lite

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]   • Enjoy 25% off your policy premium   Get over S$95 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$30  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

MSIG TravelEasy Standard

[GIVEAWAY | Receive your cash as fast as 30 days*]    • Enjoy up to 40% off your policy premium    Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.    PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Allianz Travel Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy an exclusive 57% off your policy premium   Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon   and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Starr TraveLead Comprehensive Silver

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy 35% off your policy premium.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and an  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply. Valid till 18 Sep 2024. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Great Eastern TravelSmart Premier Classic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 30% off your policy premium. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

AIG Travel Guard® Direct - Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$105 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get up to S$40 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

MSIG TravelEasy Pre-Ex Premier

Bubblegum Travel Insurance

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium   Get over S$90 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$25  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Zurich Travel Insurance Basic

DirectAsia Voyager 250

FWD Business

MSIG TravelEasy Elite

Starr TraveLead Essential Silver

AIG Travel Guard® Direct - Standard

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Best Travel Insurance in Singapore 2024

Compare travel insurance coverage types, single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

What Do Singapore Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

What Customers Say about their Travel Insurance Purchase

Review by doreenngsk ng.

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

Review by Ron Tay

"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"

Review by Jodel Tan

"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

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Travel Surveys

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Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

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Important Notice

The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories. Please click here if you intend to or have purchased a travel plan to these areas.

current promotion

Purchase your travel insurance policy with HL Assurance and you’ll have the chance to win a flight ticket of your choice to your dream destination. The more you purchase, the more points you earn and the more chances of winning! Terms apply.

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd.

Get covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 with travel insurance. Get 45% off for Travel Single Plans. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual travel insurance promotion 45% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.57 / day. Take advantage of our annual travel insurance promotion and discounts today!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose Our COVID-19 Travel Insurance in Singapore?

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that offer secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

24/7 COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.

Best COVID-19 Travel Insurance Coverage

Travelling during a pandemic can be stressful, not knowing if your insurance plans provide proper coverage. With our enhanced COVIDSafe Travel Protect360 Insurance, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.

Enjoy No Claim Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase with HL Assurance.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our comprehensive COVID-19 travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences! Buy your travel insurance online today.

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind. COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 30 September 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2024 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

• The promotion is held from now until 30 September 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% base discount off Single Trip Plans.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/travel-insurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2024 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to 45% base discount off Annual Trip Plans.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

Terms and Conditions for COVIDSafe Travel Protect360 Premium Bundle Promotion

To view full details on COVIDSafe Travel Protect360 Premium Bundle Promotion Terms and Conditions, click here .

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Mid-Year Deal Promotion (Single Trip)

• The Mid-Year Deal Promotion is held from now until 29 May 2024.
• Eligible customers who successfully use the promo code ‘MIDYEAR5’ to purchase any COVIDSafe Travel Protect360 Single Trip policies during this Promotion Period will be entitled to an additional 5% off the base discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/travelinsurance .
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: can i continue my medical treatment for injury or sickness sustained overseas when i return to singapore.

A: Yes, the Company will indemnify you for follow-up treatment within thirty (30) days after Your return from the Trip, provided you have sought initial treatment overseas for Bodily Injury or Sickness which occurred outside Singapore during the Trip within the Period of Insurance and such initial treatment is claimable under the Overseas Medical Expenses benefits.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Trip where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore, and subject to a limit of S$100 per visit.

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What happens when I submit a claim?

• Within 3 business days of receiving your claim, we will send you an acknowledgement.
• We will request for additional documents within 7 business days if claim documents are incomplete.
• Once we receive all necessary information and have completed a full investigation required to assess your claim, we will decide to accept or decline your claim and inform you of our decision within 7 business days.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our travel insurance policy does not cover any pregnancy-related issues.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: Are adventure activities and indoor / outdoor sports covered by COVIDSafe Travel Protect360 insurance?

A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings .

Q: Is there a waiting period for COVIDSafe Travel Protect360 Insurance coverage to take effect?

A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).

Q: How to buy travel insurance from HL Assurance?

A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.

Q: Can I extend my travel insurance coverage if my trip is extended?

A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.

Q: Can I buy travel insurance after departure?

A: Generally, travel insurance should be purchased before your trip commences.

Q: Can I cancel my travel insurance policy if my plans change?

A: You may cancel the Policy before the start of your trip with administrative charges applicable.

Q: Annual Trip Insurance vs Single Trip Insurance - Which is better?

A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.

Q: Does COVIDSafe Travel Protect360 Insurance cover me if I travel to multiple countries?

A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here .

Q: What does COVIDSafe Travel Protect360 Insurance cover?

A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.

All plans cover the following travel benefits:

• Overseas Medical Expenses (Child, Adult, Senior / Elderly)
• Medical Expenses in Singapore
• Personal Accident: Accidental Death & Permanent Disablement
• Travel Inconvenience
• Travel Postponement
• Travel Misconnections
• Insolvency of Travel Agency (Excluding Basic Plan)
• Trip Disruption
• Flight Inconvenience and Diversion
• Hijack of Common Carrier
• Kidnap & Hostage (Excluding Basic Plan)
• Personal Liability
• Loss of Home Contents
• Credit Card Protections (Excluding Basic Plan)
• Rental Car Excess
• Enhanced Medical Benefits due to COVID-19 (Excluding Basic Plan)
• Enhanced Travel Inconvenience, Cancellation, Postponement or Curtailment due to COVID-19 (Excluding Basic Plan)

Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents required for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport, etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).

Thank you for insuring with us.

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Travel Insurance Singapore Guide (2024): Must-Knows for Choosing the Best Travel Insurance

Travelling is a favourite Singaporean pastime. A national sport, if you will. But while we all love travel and wanderlust, most of us don’t give much thought to buying travel insurance .

Buying travel insurance in Singapore is something a lot of us take for granted. Few of us bother to buy travel insurance ahead of time, and even fewer compare policies to find the best travel insurance in Singapore .

Here is everything you should look out for before buying travel insurance in Singapore.

Key features to look out for in travel insurance

• What does travel insurance cover?
• How to choose travel insurance
• Travel insurance prices
• Best travel insurance in Singapore
• Common mistakes when buying travel insurance
• Travelling with pre-existing health conditions 
• When should I buy travel insurance?
• Single trip or annual travel insurance?
• Compare travel insurance before buying

1. What does travel insurance cover you for?

A good travel insurance policy covers you for a whole series of situations, from the small inconveniences to the most terrible.

Trust me, you never want to be in a situation that you’re not covered for.

It could be a minor inconvenience, like having your luggage delayed and being forced to spend  at least one night in the same clothes you wore on the entire flight. Or it could be a serious medical emergency, like getting stung badly by jellyfish in the middle of a remote island adventure and needing immediate medical attention.

These days, almost all travel insurance in Singapore automatically includes COVID-19 coverage. That means, you’ll be able to claim from your travel insurance if you get Covid-19 while travelling.

You should also have coverage for everything from lost and delayed luggage, flight delays and cancellations, all the way to medical treatment, medical evacuation and even repatriation in case of serious illness and death. All these different situations have different claim limits, of course.

Travel insurance also covers things like reimbursing deposits if your travel agent goes bust, if your credit card is used fraudulently overseas, or if you  damage your rental car . Some policies even pay you if you are kidnapped while overseas!  And the best part is that travel insurance is relatively cheap and convenient to buy.

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2. How to choose travel insurance

With so many different benefits in a travel insurance plan, it can be tough to decide if a particular travel insurance plan is worth your money. You should look out for how much you are reimbursed for common travel hiccups.

• Find a travel insurance that covers flight delays and cancellations:  Flight delays happen more often than you realise. They can be extremely inconvenient, especially if it ends up causing you to miss your connecting flight. Ensure that your policy covers you for a decent period of time. For example, if your flight is delayed, some policies pay you $100 for every 6 consecutive hours of delay. There’s usually a cap of around $200-$500, but if you want more coverage DirectAsia Voyager 150 pays out up to $1,000 for travel delay.

Total Premium

DirectAsia Voyager 150

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]   • Enjoy 40% off your policy premium.   Get up to   S$55 worth of UPSIZED rewards: • Includes  up to S$25  via PayNow and S$30 Revolut cash reward  with eligible premiums spent . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Key Features

Additional coverage for Travel Insurance - Sports equipment, Maid and COVID-19. Extreme Sports add-on only available for Annual Plans.

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

Optional COVID-19 coverage on trip cancellation, medical expense, and emergency evacuation. Only for Single Trip.

• Lost   or delayed baggage:  Make sure your policy covers you well for such situations. Many policies pay $100 for every 6 consecutive hours your baggage is delayed, including Bubblegum Travel Insurance  which pays up to $3,000 for lost or damaged baggage. Don’t forget to also pay attention to the maximum amount you’re covered for.

Bubblegum Travel Insurance

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium   Get over S$90 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$25  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

• Medical coverage overseas: Since you can never predict what might happen on your trip, it literally pays to be safe than sorry. A good travel insurance policy covers you for at least $200,000 for overseas medical coverage and unlimited coverage for emergency medical evacuation and repatriation. One value-for-money insurance policy that fits the bill is  Starr TraveLead Comprehensive Bronze .
• Travel insurance with COVID-19 coverage:  Ideally, your policy should offer coverage for a range of COVID-19 expenses you might encounter during your travels (and even before you fly!). Look out for the travel insurance policies’ coverage for trip cancellation and postponement and medical expenses due to Covid-19. Overseas quarantine cash allowance is an added bonus. For example,  AIG Travel Guard® Direct – Enhanced covers $100 per day for 14 days if you’re quarantined overseas due to COVID-19.

AIG Travel Guard® Direct - Enhanced

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$105 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get up to S$40 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

3. Travel insurance prices in Singapore

Travel insurance in Singapore is very price-sensitive, and sometimes insurers can compete to shave off even $1 from their premiums to make their policies more enticing (yay for us!).

One way to get a cheaper plan is to see which insurers offer regional travel insurance . If you are only travelling to Thailand, for example, it is usually cheaper to get a policy that covers only SEA or ASEAN countries, rather than a worldwide coverage policy .

However, price is not the only factor—especially since cheap insurance policies often mean significantly less coverage. Buying travel insurance is not like buying a “warehouse sale” LV bag in Chatuchak Market. You don’t just shop around, look for the stall owner with the weakest bargaining skills, and haggle the price down as low as can get.

Look at other aspects of the policy when buying travel insurance . There are many other factors to consider—for example, how much coverage you’re eligible for, and how quickly your claims can be processed. Make sure that you don’t have to wait till the next blue moon before you can see the results of your claims.

4. Which travel insurance to buy in Singapore?

Like anything else you purchase, the best travel insurance is what gives you the most value for money. Say you are only travelling to Thailand for a weekend shopping trip, for example. You’re probably travelling light and don’t need more than $3,000 coverage for loss of baggage, even if you can pay just $3 more for significantly more coverage. Save that $3 and treat yourself to all the Thai milk tea you can drink!

As we said earlier, you shouldn’t be so stingy  and only buy the cheapest. The cheapest may have lots of terms and conditions when it comes to claims . For example, an insurer might not cover delayed luggage if it is only delayed returning to Singapore. If this is the only inconvenience you face in your entire trip, you might be understandably upset that it’s not claimable.

The important thing is to read the terms and conditions of your preferred policy carefully and make sure you’re not caught unawares. This is especially important when it comes to medical pre-existing conditions.

5. Common mistakes when buying travel insurance

How many of us actually know how to go about buying a good travel insurance that is suitable for our needs? Here are five common mistakes to avoid when buying travel insurance:

• Buying the most “convenient” travel insurance : Do you just buy the first travel insurance you see on Google? It is important to read the details of the coverage provided to see if they are adequate for your needs or to cover the risks of the destination you’re travelling to, eg. medical coverage and loss of personal belongings.
• Buying travel insurance at the last minute : Do you often buy your travel insurance when waiting to board your flight or while making your way to the airport? Yes, better late than never. However, you should be aware that some of the benefits of the travel insurance are applicable (eg. natural disasters , airline strike, tour agency bankruptcy) if you buy travel insurance ahead of your trip.
• Not buying travel insurance for the entire length of your trip : Should you purchase travel insurance only for the days you are actually overseas? No. You should include flights to and from your holiday destination. In the event of baggage delays, loss or damage, or overbooking of flights, you’d then be able to make a claim. For long haul trips, do remember to cater for the +1 or +2 days that it takes for your flight to reach Singapore.
• Not reading your travel insurance policy : Not all travel insurances are created equal. In fact, the policy document and terms of coverage makes for rather interesting reading. Do go through the policy document for what’s included and excluded, claim limits, and what you gotta do in order to make a claim.
• Assuming travel insurance is “one size fits all” : If your holiday includes adventurous elements like skydiving or scuba diving, check to ensure that the travel insurance you are considering covers these activities. MSIG TravelEasy Elite covers a whole range of activities, including sky diving, hot air ballon rides, and bungee jumping. Alternatively, check to ensure that adventurous activities are not excluded from the claims.

MSIG TravelEasy Elite

[GIVEAWAY | Receive your cash as fast as 30 days*]    • Enjoy up to 40% off your policy premium    Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.    PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

COVID-19 coverage of up to $300,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

6. Will pre-existing conditions affect my travel insurance?

One of the biggest travel insurance stories in 2017 was when a Singaporean man had a heart attack in Tokyo and fell into a coma. The medical costs alone cost $120,000 and bringing him back to Singapore via medical evacuation would cost another $120,000.

Because the man had been diagnosed with heart failure in 2012, his insurer considered it a pre-existing condition and therefore no claim was possible. Currently, one insurer that covers pre-existing conditions is MSIG TravelEasy Pre-Ex travel insurance.

MSIG TravelEasy Pre-Ex Standard

7. When should I buy travel insurance?

There are many, many things that can go wrong when you’re travelling. Half of these things could happen even before you leave the country!

Waiting to buy your travel insurance policy on the day you travel (or worse, after you’ve already crossed into international waters) puts you at risk for travel inconveniences big and small like delays or postponement.

A good travel insurance policy also covers you for your entire trip being cancelled unexpectedly.

You should buy a travel insurance online as soon as you’ve planned your trip. Getting your travel policy as early as possible does not make you “ kiasu ”. It makes you smart.

This is because you’ll want to maximise the coverage you can get from the policy. For example, if you haven’t bought a policy yet and the travel agency you’re booking with closes down a week before your travel, you won’t be able to claim anything. The same goes for flight delays and flight cancellations.

There is no penalty for buying travel insurance earlier, except maybe missing out on promotions that often happen around the travel season. But what’s the point of saving a few dollars and risk losing hundreds due to cancelled flights and hotel deposits?

8. Buy single trip or annual travel insurance?

In the past, it made more sense to buy single trip travel insurance plans when you leave Singapore. That’s because in the past, most people only travel once or twice a year. With the greater nomad and remote working culture … and travels over long weekend, though? It might actually be more convenient to buy an annual plan for your travel insurance.

A good gauge to determine whether to choose between a single trip plan and an annual plan is to ask yourself if you’re going to be travelling more than 3 times a year . And we’re not just talking about weekend getaways either!

Whether you’re just going across the Causeway or travelling further overseas for work, an annual plan definitely makes more sense to your wallet.

Depending on how often you travel and how far you travel, it might be worthwhile to consider buying annual travel insurance .

If you are a frequent traveller, you not only save money by buying an annual policy, but you’ll never have to spend time buying insurance every time you fly overseas. Of course, just like single trip travel insurance, you should still compare the various policies online before you commit.

Annual travel insurance has a flat premium and covers you for an entire year of travel. It usually costs about $200-$300 a year, so only buy it it you are a frequent traveller. That is, it only makes sense if you are going to travel overseas more than 7-8 times a year, at least.

9. Why should I compare travel insurance before buying it?

Comparing allows you to choose the best travel insurance policy for your needs. You’ll be able to see at a glance what coverage policies have for various situations, such as medical costs, and compensation levels for lost, delayed and damaged baggage.

But of course, comparing travel insurance in Singapore allows you to see that the cheapest travel insurance policy may not be the best. This is because the cheaper policies usually have significantly less coverage, naturally. While that may be a good thing for some travellers – there’s no need to get a $1,000 coverage for lost luggage if you’re only bringing the bare minimum to a staycation in Bangkok, for example.

ALSO READ: Best Travel Insurance in Singapore: AIG vs AXA vs FWD vs NTUC

Are you headed overseas? Compare the cheapest travel insurance here .

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Planning your next trip get yourself covered with the best plans for travel insurance in singapore.

by Ashe Liao • 13 Sep 2022

Checking off everything in your travel list? Don’t forget to get yourself protected with the best travel insurance in Singapore.

If you’re like us, you’re probably big on travel . Thinking about fun things to do in places such as Bangkok , Melbourne , or even Desaru gets us super geared up to pack our bags and take off on an adventure. But we also want to be prepared for the unexpected – that means looking at travel insurance in Singapore.

Why should I get travel insurance?

You may wonder what are the chances you’ll get robbed or get into an unfortunate accident. Even if you’re going for a short getaway , there’s no telling what could happen. We’ve heard horror stories about friends being robbed, getting their car hijacked, or accidents that result in hospitalisations while they were on holiday. Imagine not being insured if one of these things happened to you.

To us, it’s definitely better to be safe than sorry. The basic travel insurance plans offer some coverage on lost items and medical expenses, so it’s not a total loss.

If you already have an insurance agent, consider contacting them to see what’s available and what they can offer you. It pays to have someone on the inside who understands the ins and outs of insurance plans. Plus, paying a little bit extra to get that added help with claims can be a huge weight off your shoulders.

Where to get the best travel insurance in Singapore

1. FWD Travel Insurance

Let’s talk about the cheapest and most fuss-free option out there. Being one of the newest players in the insurance market, FWD’s travel insurance is arguably the most cost-effective option out there. There’s only one travel insurance plan, which makes everything straightforward. It’s split into three tiers – premium, business, and first – with varying reimbursement limits. All three tiers cover you for worldwide emergencies and provide 24-hour assistance, medical evacuation, and emergency phone charges. FWD Travel Insurance , premiums start at $27/week for an individual traveller

Are you protected? The lowdown on insurance

2. dbs travellershield plus.

For anyone who’s a DBS cardholder, consider this plan for your next family trip. The TravellerShield Plus comes in three plans – classic, premier, and platinum. It offers automatic Covid-19 coverage for you and your children, even if they’re unvaccinated. So you don’t have to pay extra, unlike most other travel insurance plans. There’s also optional coverage for pre-existing medical conditions like asthma, diabetes, and heart disease. DBS TravellerShield Plus , premiums start at $39.60/week for an individual traveller

3. HL Assurance

Despite loosened Covid-19 restrictions, we’re still staying cautious of the disease during our travels. Lucky for us, HL Assurance has a travel insurance policy that covers anything that has to do with the pandemic. The CovidSafe Travel Protect360 has one of the best Covid-19 covers in Singapore including travel concierge services with 24/7 regional alarm centres that provide support at a touch of a button. You’ll be even given a quarantine allowance if you happen to catch the bug. And if you have no claims to make, HL Assurance also offers you a discount for your next travel insurance purchase! HL Assurance , premiums start at $36/week for an individual traveller

4. MSIG TravelEasy Travel Insurance

The claims process for any insurance plan can be a pain. Not only do you have to deal with the stress of losing something overseas, but now you have to go through the tedious process of submitting documents to get receive your claims. Don’t fear, because we’ve got just the plan for you. The customer support team at MSIG TravelEasy is there to help you every step of the way. We heard that the online claims submission portal is quite intuitive, and the team is known for their quick turnaround. MSIG TravelEasy Travel Insurance , premiums start at $40.20/week for an individual traveller

5. Allianz Assistance Travel Insurance

Travelling for work can be both exciting and exhausting at the same time. The good news is you get to travel out of the country for a little while. The bad news? You might not get any time to sightsee. If you’re a frequent traveller, consider Allianz Assistance. Its annual travel insurance plan provides both travel and medical protection for multiple journeys made within a year. This means there’s no need to go through the hassle of getting a new policy every time you leave Singapore. Allianz Assistance Travel Insurance , premiums start at $49/week for an individual traveller

6. Great Eastern TravelSmart Premier

Are you an adrenaline junkie that thrives on thrilling and novelty experiences? We’re talking about mountaineering, snowboarding, skydiving, and the like. Take that leap of faith with Great Eastern’s TravelSmart Premier which covers you for (what they call) adventurous leisure activities. You can finally tick that thrilling activity off your bucket list. Great Eastern TravelSmart Premier , premiums start at $93/week for an individual traveller

7. NTUC Income Travel Insurance

We love a good cruise to nowhere. There’s something about being in the middle of the sea that speaks to us. Plus, all the amenities you could possibly want on one ship? Heaven. And you can be worry-free with NTUC Income’s travel insurance. It offers the “Travel Inconvenience” benefit which covers medical expenses after your trip. So if you’re worried about that pesky after-cruise motion sickness, get covered with NTUC Income! NTUC Income Travel Insurance , premiums start at $39.60/week for an individual traveller

No excuses! Get yourself covered with these travel insurances in Singapore and enjoy worry-free travels.

Ashe is a full-time daydreamer fueled by coffee, art, and mahjong. Ask her about her pet snails or what her favourite cocktail of the month is. See her on the streets? Say hi and she'll probably have recommendations on where to get your next pastry fix.

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Travel Insurance Promotion Singapore

Promo code: flash50.

Buy travel insurance from Allianz Travel, for Singapore residents. Protect your trip against medical costs, delays & cancellations.

50% off Travel Insurance Plan

Save 50% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel. 

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Travel Insurance Catered to Different Needs

• For Frequent Travellers:  Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our   Annual Plan Travel Insurance here  
• For One-off Trips:  Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our   Single Trip Travel Insurance here  
• For Family:  Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) .  Discover our  Family Travel Insurance here  

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.
• Identify closest hospitals & arrange and pay for transport*
• Advance payment for in-patient services, where accepted*
• Provision of medical escort if needed, subject to availability*
• Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

50% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'flash50'

1. is valid until 30 September 2024

2. ‘flash50’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible".

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Promotion Singapore: Protection at Great Deals

Are you planning your next adventure? Secure reliable Singapore travel insurance for a worry-free trip. Allianz Travel Insurance offers exclusive travel insurance promotion, providing you with extensive coverage at unbeatable prices.

Take advantage of our travel insurance promo and enjoy a wide range of benefits. Our policies are designed to protect you against unexpected events that can disrupt your travels, such as trip cancellations, flight delays, lost baggage, medical emergencies, and more.

With our user-friendly online platform, buying travel insurance online has never been easier. Explore various coverage options, customise your policy to align with your specific travel needs, and get an instant quote. Secure your coverage with just a few clicks.

Whether you're jetting off for a short getaway or planning an extended adventure, Allianz Travel is your trusted partner in travel insurance. Grab our travel insurance promotion today and embark on worry-free journeys. Travel with confidence knowing that you have the support of a trusted insurer every step of the way.

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

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Are you always worrying on too many things about your travels?

Travel should be peaceful… worry-free… pleasant… and any great adjectives that you can think of right now.

Travel Insurance

Why You Should Get Travel Insurance for Business Trips

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Let's dive into the many reasons why it is important for you to get travel insurance in Singapore for your family especially during peak holiday seasons.

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From thorough research and planning to buying travel insurance, each aspect of your pre-travel checklist contributes to a seamless travel experience.

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Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

Mon – Fri, 9:00 - 17:30 Singapore Time

e-mail: [email protected]

For customer service

call: +65 6327 2210 

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Compare Best Travel Insurance Plans in Singapore 2024

Get the best and cheapest travel insurance in Singapore for single and annual trips from AMTD PolicyPal! Read more.

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FWD Travel Premium Asean

Overseas Medical

Travel Delay

Loss/Damage of Baggage

Post Trip Medical

Baggage Delay

Trip Cancellation

Rental Vehicle Excess

Optional Coverage/ Add-Ons

Terrorism Cover

Leisure Activities

Scuba Diving (certified)

Skiing (within marked boundaries)

Bungee Jumping

Policy Wording

COVID-19 Enhanced Travel Benefits Policy Wording

Protected up to specified limits by SDIC. 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 is 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.

DirectAsia Travel Insurance Voyager 150 Asean

Accidental Death

Golf (Sports only)

Scuba Diving (Up to 30 meters)

Policy Wordings

Tiq Travel Entry Asean

Scuba Diving

Skiing (Piste)

Starr TraveLead Travel Insurance - Essential (Silver)/ South East Asia

24H Global Emergency Assistance Service

? Compassionate Death Cash

Cruise Vacation

Policy Brochure

Allianz Travel Basic Asean

Directasia travel insurance voyager 250 asean.

Sompo TravelJoy Essential Asean

Cruise Vaction

Policy Wordings (Single Trip)

Policy Wordings (Annual)

Allianz Travel Silver Asean

Personal Money

Loss of Travel Documents

Singlife Travel Insurance Lite Asean

Optional/ Add-On

DirectAsia Travel Insurance Voyager 500 Asean

Starr travelead travel insurance - essential (gold)/ south east asia, fwd travel business asean.

MSIG TravelEasy Standard Asean

Travel/Trip Delay

(COVID-19) Overseas Medical Expenses

(COVID-19) Trip Cancellation

(COVID-19) Trip Postponement

(COVID-19) Overseas Daily Quarantine Benefit

FWD Travel First Asean

Tiq travel savvy asean, sompo traveljoy superior asean.

AIG Travel Guard Direct® Basic Region 1

Golf (Damage or loss of equipment)

Tiq Travel Luxury Asean

Singlife travel insurance plus asean.

Trip Cancellation For Any Reason (Singlife Exclusive)

MSIG TravelEasy Elite Asean

Aig travel guard direct® standard region 1.

Trip Cancellation/Curtailment

Golf (Damage or loss of equipment

TourCare Plus Standard Asean

Off-Piste Skiing

Policy Brochure (COVID-19)

Policy Wordings (COVID-19)

Great Eastern TravelSmart Premier Classic Area 1

T&C Eligibility

Allianz Travel Platinum Asean

Personal Liability

Missed Activity

MSIG TravelEasy Pre-Ex Standard Asean

Aig travel guard direct® enhanced region 1, great eastern travelsmart premier elite area 1, singlife travel insurance prestige asean, msig traveleasy premier asean, msig traveleasy pre-ex elite asean, tourcare plus supreme asean, aig travel guard direct® supreme region 1, msig traveleasy pre-ex premier asean.

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Compare Best Travel Insurance Plans 2024 by Insurance Providers

What does travel insurance cover is it necessary.

Travel insurance will give you peace of mind every time you leave Singapore. It is recommended to buy your travel insurance as soon as you confirm your travel plans to protect yourself from expenses incurred due to unforeseen travel disruptions. Travel insurance is cheap and covers a whole range of unexpected scenarios that may be beyond your control. Here are some of the main benefits of travel insurance:

Medical coverage

In Singapore, we are covered by subsidised healthcare and health insurance (Integrated Shield Plans). But should you fall sick or get into an accident overseas, you may end up having to pay for huge medical bills. Travel insurance covers your medical expenses overseas, even in places where healthcare is extremely expensive.

Flight delay or cancellation

Your flights may be delayed or cancelled due to unforeseen circumstances like bad weather. Should this happen to you while you are overseas, you may need to make last-minute accommodation arrangements that incur costs. Travel insurance covers those unexpected costs so you can breathe easy.

Natural disaster protection

Going abroad to a place known for natural disasters like earthquakes, hurricanes, tsunamis, floods or volcanic eruptions? Travel insurance can cover your medical expenses or emergency repatriation in the event that you are injured or grievously hurt. Your risk exposure to natural disasters can be covered with insurance.

Protect your belongings

Travel insurance protects you in the event that you lose or damage your important documents, money, luggage and any other valuables.

Does travel insurance cover COVID-19?

Travel insurance may cover certain scenarios inclusive of COVID-19, but the COVID-19 cover may not be offered for certain countries and at certain periods and may come with conditions. Please contact us at [email protected] or +65 3106 4522 to understand more about the travel insurance coverages.

How do you compare travel insurance policies?

For such a simple, short-term product, travel insurance policies can be very long and full of insurance jargon! However, it is important not to ignore the policy wording and benefits as you would want your travel insurance plan to be an appropriate fit for your destination. Here are the five important parts of your policy to compare.

Travel insurance premiums are calculated based on your destination(s) and the number of days you are there. If you are travelling as a group or couple, it is usually cheaper to buy a group travel insurance policy.

Most travellers are concerned about having their medical expenses covered when overseas. Check that your medical claim limit is adequate for your destination — choose a higher tier plan if you are going to an expensive country. Also, look for post-trip medical coverage.

Travel disruption coverage

Travel insurance covers flight delays/cancellations, luggage delays/loss, and trip cancellations (e.g. due to the insolvency of your travel agent). These could be costly and it can be very tough to recover the costs from the airline or agent.

Pre-existing conditions

Generally, travel insurance does not cover pre-existing medical conditions such as diabetes or asthma. Should you require medical treatment (on your trip) because of a flare-up, the insurer will not cover it. However, NTUC Income, MSIG, TIQ and FWD offer travel insurance plans that cover pre-existing conditions.

Adventure activities

Some travel insurance plans cover adventure activities like mountain hiking, skydiving and scuba diving, while others don't. If you have any of such activities planned, do check your policy's list of exclusions (found in the policy wording) and make sure your intended activities are not excluded.

How do you make travel insurance claims?

Every travel insurance provider has a different claims process. Typically, you can make claims online with the relevant supporting documents. Some insurers even let you submit claims through their apps. You also have the option to mail the documents. Travel insurance claims should be submitted ASAP, usually within 30 days of your return. The specified time frame is detailed in your policy wordings. If you are unsure of the documents you need to submit, each insurer should have a claim submission instruction page that lets you know what they need for each type of claim. Here's a general guide to what documents you need to provide in common travel scenarios.

Emergency assistance

Before you travel, save the insurer's emergency assistance hotline and your policy details to your phone. In the event of an emergency, contact the number as soon as possible (have your policy number handy) to arrange for help.

Personal accident / medical expenses

You will need to pay for your expenses overseas and then claim a reimbursement. Make sure to keep all original receipts, your full medical report and a police report (if applicable). File your claim as soon as possible upon your return to Singapore. You may need to submit the original documents by mail.

Travel disruption / cancellation

To claim for travel disruption benefits, you will need to show written proof of the delay/cancellation from your airline, hotel or travel agent, as well as a receipt of your payment made.

Lost / damaged personal belongings

To make a claim for your personal belongings, you will need to submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable), and in some cases, a report from the repair workshop.

Rental vehicle expenses

Most travel insurance policies cover expenses arising from a rental vehicle accident. To claim, you will need to submit the police report, your own photos and proof of the accident, your repair bills and the rental car contract.

Frequently asked questions

Which are the best travel insurance companies.

There is no single “best” travel insurance provider; it depends on your personal needs. Established companies like NTUC Income and MSIG tend to have great reputations and better products for older travellers (like plans that cover pre-existing conditions). Newer ones like Etiqa and FWD tend to have a fully-digital claims experience and may be more accommodating with adventure activities. Claim experience is also a consideration when you compare travel insurance!

Which travel insurance is cheapest?

There is a lot of competition among travel insurers, so prices tend to be very competitive. Insurance coverage for a three-day trip in Southeast Asia starts from only about S$11. The actual pricing varies with any ongoing travel insurance promotions.

Is your credit card's free travel insurance enough?

Some credit cards, especially miles cards, offer free travel insurance coverage if you book and pay for your flights and/or accommodation through the card. However, the coverage tends to be low. We recommend supplementing it with a more comprehensive travel insurance plan.

Can foreigners buy travel insurance in Singapore?

You will need to provide your FIN and show your employment pass or work permit to apply. Foreigners in Singapore can buy travel insurance from most of the insurance companies such as MSIG, NTUC Income, FWD, Etiqa, Sompo, Allianz, AIG, etc.

What are the key differences between family travel insurance plans and group travel insurance plans?

Both allow more savings than buying individual travel insurance for each traveller on the same trip. Family travel insurance plans are designed to cover family members (related) travelling together. Group travel insurance offers a collective coverage option for travellers on the same trip and it caters to non-familial groups.

What's the difference between single-trip or annual multi-trip travel insurance?

Single-trip travel insurance covers one specific journey, ideal for occasional travellers. Annual travel insurance insures your trips year-round, as long as your destination is within your insurance coverage. We recommend getting an annual insurance for people who travel more than four to six times per year, as this is perfect for frequent travellers and offers convenience and potentially significant savings.

When should I buy travel insurance?

You should buy travel insurance preferably as soon as you book your trip. The latest you can buy a policy is just before your trip (leaving Singapore), although some insurers reduce coverage for cancellation benefits three days before your travel date. You cannot buy a travel insurance policy after you have left for your trip.

How should I choose my travel destination/ country for my travel insurance if I am going to multiple countries?

If you are travelling to more than one country, please select the region of travel/ country based on the furthest destination from Singapore. For example, if you are travelling to Thailand and the USA, please select: - Thailand, USA (if the portal/ application allows); or - Worldwide (if the selection is by region); or - USA (if the selection is by country) If you are travelling to Thailand and returning to Singapore before setting off to the USA, it will be considered as two trips. You will need to purchase two travel insurance policies (one policy for “Singapore - Thailand - Singapore”; another policy “Singapore - USA - Singapore”) to cover each trip separately.

How does "trip cancellation for any reason" benefit work?

"Trip cancellation for any reason" is a benefit offered by some insurance companies (such as Singlife and FWD, for certain tier of plans or as an optional add on benefit). The insurance policy/ benefit must be purchased within seven days of you making the initial payment for your trip. For example, if you've purchased an air ticket on 1 April 2023 and paid for your accommodation on 15 May 2023, for a trip from 1 June 2023 to 14 June 2023, you would've had to secure your travel insurance by 8 April 2023 to be covered under this benefit.

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We are always online to serve you and your needs to your best interests - because you come first.

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We save your details securely and cut your time by half the next time you purchase another policy with us.

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• Best Travel Insurance in Singapore 2024

Our travel insurance experts collected hundreds of data points from 20 travel insurers in Singapore to find out which plans are worth your money. Use our guide below to find and buy the best or cheapest travel insurance policies that are currently available. Compare policies by region of travel and different benefits like travel inconvenience, medical and sports coverage.

COVID-19 and Travel : While Singapore and certain neighboring countries are seeing success in decreasing COVID-19 transmission and are opening up their international borders, please note that COVID-19 transmission is still persisting in many countries. Therefore, we recommend following the Ministry of Health's travel advisories ; following all pre- and post-travel guidelines at your destination and upon return to Singapore; and buying travel insurance that provides coverage for COVID-19.

• Allianz Travel Silver : Offers above average trip inconvenience coverage
• Singlife : Has most flexible coverage; MINDEF/MHA customers have additional 30% off
• Income Classic : Plan focusing on medical benefits, priced competitively for ASEAN trips
• Allianz Travel Platinum : Double the industry average trip inconvenience coverage (S$42,900 of total benefits)
• Aviva Prestige : Option to cancel plan for any reason; Unlimited medical coverage; customization options
• MSIG Premier : Good for high coverage for families; coverage for pregnancy-related illnesses
• MSIG Pre-X : Good for option for elderly; 20% cheaper than Income
• Income PreX : More expensive than MSIG but higher benefit limits for medical and trip inconvenience
• FWD Premium : Good budget option for cruise takers and adventurous travellers
• HL Assurance Basic : Above average trip inconvenience coverage for price point
• Etiqa Basic : Cheapest plan that provides comprehensive coverage
• Budget Direct : 60% cheaper than average for global plans
• Allianz Travel : 40-45% cheaper than average
• Wise Traveller : Costs 30% below average, good value for global travel
• Budget Direct : Cheapest annual travel insurance plans

Looking for the best travel insurance in Singapore?

To find the best travel insurers in Singapore, looked through dozens of travel insurance plans to find which ones offered the best benefits for the most competitive premium. To find the cheapest plans, we analysed basic plan premiums for a 1-week trip to the ASEAN, which include insurer promotions.

• Highest Value Plans Aviva, Allianz Travel & more
• Highest Coverage Plans Aviva, Allianz Travel, MSIG
• Best for Pre-X Conditions Income, MSIG
• Cheapest Plans FWD, Etiqa & more
• Best Annual Plans Budget Direct & more
• FAQ Learn more

Best Value Travel Insurance in Singapore

• Allianz Travel : .

For those people looking for the best combination of price and benefits in travel insurance, we recommend Allianz Travel's Silver plan, Singlife's Travel Plus plan or Income's travel insurance if you need COVID-19 coverage. Their competitive prices coupled with above-average benefits means they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week ASEAN trip has an average cost of S$44, these four plans cost between S$24-S$60 while also having above average trip inconvenience and medical coverage.

Allianz's Silver plan is great for people who prioritise travel inconvenience coverage such as flight delays, cancellation and lost baggage benefits. Allianz also provides coverage for pandemics and endemics, meaning you can get covered for things like cancelling your trip and medical treatment if you or someone related to you contracted COVID-19. Thus, though it is certainly not the cheapest plan on this list, it provides benefits that are most relevant in this climate and is well worth the price.

Out of the four, Singlife has the most flexible coverage and will allow you to get reimbursed for loss of frequent flyer points, motorcycling accidents, and extreme winter/water sports. It also boasts generous medical coverage. While not the cheapest, it becomes especially competitive for MINDEF/MHA customers as they will get an additional 30% off on top of any ongoing promotion.

Income offers above average medical coverage and average coverage for trip inconvenience benefits like trip cancellation, delays and baggage loss. However, Income's value comes from its up to US$100,000 medical expense coverage and US$100,000 evacuation coverage if you were diagnosed with COVID-19 during your trip (provided you did not travel to a high risk nation ). Please note coverage will only be in effect if you took the mandatory pre-departure COVID-19 PCR test 72 hours before your trip. All in all, if you are looking for affordable ASEAN trip coverage with a focus on medical coverage, Income will be a good option.

For those people looking for the best combination of price and benefits in travel insurance, we recommend Allianz Travel's Silver plan, Singlife's Travel Plus plan or Income's travel insurance if you need COVID-19 coverage. Their competitive prices coupled with above-average benefits means they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week ASEAN trip has an average cost of S$48, these three plans cost between S$27-S$50 while also having above average trip inconvenience and medical coverage.

Out of the three, Singlife has the most flexible coverage and will allow you to get reimbursed for loss of frequent flyer points, motorcycling accidents, and extreme winter/water sports. It also boasts generous medical coverage. While not the cheapest, it becomes especially competitive for MINDEF/MHA customers as they will get an additional 30% off on top of any ongoing promotion.

Travel Insurance with the Best Coverage & Benefits

• Allianz Travel: .

If you are relatively insensitive to price and are looking for a travel insurance plan with maximum coverage, we think Allianz’s Platinum Plan, Singlife's Travel Prestige Plan and MSIG's TravelEasy Premier Plan could be great options. Though they can be pricey, they are still priced competitively to other premium travel insurance plans on the market, while providing the leading benefits for travel inconvenience, medical or personal accident claims, respectively.

Allianz Platinum offers the most trip inconvenience coverage, making it ideal for travellers concerned about flight delays or lost baggage. As a point of reference, 60% of travel insurance claims are related to travel inconvenience, meaning this plan will provide valuable coverage. Lastly, it also offers two unique coverages for the current climate-pandemic coverage and cruise coverage. For instance, you may be able to claim for a trip cancellation if you or someone you know contract COVID-19 before your trip. Cruise travellers will also receive some of the best benefits on the market, like a cabin confinement benefit, a missed port of call benefit or a cruise coverage boarding denial benefit.

Singlife Prestige is recommended for travellers who care most about medical benefits, like to personalise their coverage, or who want to have the option to cancel their trip for any reason. Aviva also has a lot less exclusions than the average travel insurance plan, as it lets you purchase optional coverage for a variety of things from extreme sports to weddings.

Both Allianz and Aviva are also good options to consider if you will be going on a cruise, provided your departure port is from Singapore.

Lastly, MSIG TravelEasy Premier can be a great travel plan for families who want a wide variety of coverage without paying extra for it. For instance, MSIG's coverage automatically includes everything from rental car excess coverage to adventurous activities to wedding dress coverage. You will also be covered for pregnancy-related illnesses such as nausea and giddiness, which is a fairly unique feature considering other plans typically only cover pregnancy-related emergencies.

If you are relatively insensitive to price and are looking for a travel insurance plan with maximum coverage, we think Allianz Travels’s Platinum Plan, Singlife's Travel Prestige Plan and MSIG's TravelEasy Premier Plan could be great options. Though they can be pricey, they are still priced competitively to other premium travel insurance plans on the market, while providing the leading benefits for travel inconvenience, medical or personal accident claims, respectively.

Best Travel Insurance for Pre-Existing Medical Conditions

If you have pre-existing medical conditions and cost is not an issue, Income's Enhanced PreX travel insurance plans may be a good fit. Despite its 50% deductible if you claim for travel inconvenience (only available for the Prestige and Superior plans), it is currently only one of 3 insurers on the market who offer coverage for pre-existing conditions for you and your family members. Unfortunately, the Enhanced PreX plans can be quite pricey, with premiums for a 1-week ASEAN trip costing S$86 — almost 3x as much as the basic plan average.

Single travellers on a budget may save a bit more with MSIG's PreX Premier plan, which costs around 20% less than Income for a 1-week ASEAN trip. It can also be a good option for the elderly as there is no age limit for purchasing the plan. You can expect up to S$150,000 of medical coverage and S$200,000 of medical evacuation coverage due to your pre-existing condition. However, you should note that you can not buy an annual version of this plan.

Cheapest Travel Insurance for ASEAN Destinations

• HL Assurance: Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice

We found Etiqa and HL Assurance offer the cheapest travel insurance plans for ASEAN travel. Their travel insurance policies only cost about S$22 to S24 for 1-week coverage in ASEAN, which is 30-40% lower than the industry's basic plan average of S$35. However, that's not to say their cheap prices mean modest coverage, as these four options also provide comprehensive benefits.

Etiqa's Tiq travel insurance offers cheap but high value travel insurance plans due to its generous ongoing promotions. It costs 35% less for ASEAN trips than with other insurers with its Basic plan. However, its total trip inconvenience coverage is the lowest of the four, so it may not be the best choice for those who want high coverage for things like flight delays, cancellations and lost baggage. Despite this, it can be a handy plan for budget travellers who want coverage for adventurous activities without having to pay extra.

HL Assurance travel insurance offers all-encompassing coverage for below average prices. It also includes useful benefits like home contents, rental car excess and travel agency insolvency coverage. HL Assurance's trip inconvenience coverage is also one of the highest for the price point, making it a competitive option for travellers looking to protect their belongings and itinerary.

We found Etiqa and HL Assurance offer the cheapest travel insurance plans for ASEAN travel. Their travel insurance policies only cost about S$22 to S24 for a 1 week coverage in ASEAN, 30-40% lower than the industry's basic plan average of S$35. However, that's not to say their cheap prices mean modest coverage, as these four options also provide comprehensive benefits.

Etiqa's Tiq travel insurance offers cheap but high value travel insurance plans due to its generous ongoing promotions. It costs 35% less for ASEAN trips than with other insurers with its Basic plan. However, its total trip inconvenience coverage is the lowest of the 4, so it may not be the best choice for who want high coverage for things like flight delays, cancellations and lost baggage. Despite this, it can be a handy plan for budget travellers who want coverage for adventurous activities without having to pay extra.

HL Assurance travel insurance offers all-encompassing coverage for below average prices. It also includes useful benefits like home contents, rental car excess and travel agency insolvency coverage. Its trip inconvenience coverage is also one of the highest for the price point, making it a competitive option for travellers looking to protect their belongings and itinerary.

Cheapest Travel Insurance for Asia Destinations

For trips in Asia (outside of ASEAN) to locations like Taiwan, Korea or Japan, we found thatFWD, HL Assurance and Etiqa generally offered the most competitive prices. Their single trip plans cost only about S$23 to S$27 for a 1-week trip to Asia, compared to the average price of S$45 for all of the basic plans in our sample.

Similar to our discussion for ASEAN trip policies, FWD's Premium plan is a good option to consider if you are planning on going on a cruise around Asia and want cheap but comprehensive trip coverage. It is also good for adventurers and those looking to maximise value for money as there are very little exclusions and above average coverage for trip cancellations, baggage delays and curtailment.

HL Assurance does not have outstanding coverage in one area or another compared to the other four plans, but it does provide solid benefits for a very competitive price. For instance, while it offers below average medical expense coverage, it does offer one of the highest per baggage item loss benefits.

Etiqa's Tiq Travel Insurance will consistently be one of your cheapest travel insurance options, especially if you are purchasing a plan on Fridays. In addition to offering comprehensive coverage for extreme activities like winter sports, Tiq also gives you the option to insure your sports equipment for an extra S$14, making it a good choice for budget adventurous travellers.

For trips in Asia (outside of ASEAN) to locations like Taiwan, Korea or Japan, we found that FWD, HL Assurance and Etiqa generally offered the most competitive prices. Their single trip plans cost only about S$23 to S$27 for a 1-week trip to Asia, compared to the average price of S$45 for all of the basic plans in our sample.

Cheapest Travel Insurance for Global Destinations

The cheapest travel insurance plans for worldwide travel (i.e. Europe, America, Africa, etc.) are the same as the were for ASEAN and Asia trips: FWD's Premium, HL Assurance Basic, Budget Direct Basic and Etiqa Basic.

FWD and Etiqa are great options because of their combination of affordability and generous benefits. For instance, adventurous travellers will benefit from FWD and Etiqa's Tiq Travel Insurance, which offers low prices but comprehensive coverage for a variety of adventurous activities including skiing and hiking (within limits). 1-week premiums for both single trip plans cost around 40% below average compared to other basic travel insurance plans on the market.

HL Assurance offers some of the highest trip inconvenience (cancellations, trip delays, baggage loss, etc.) coverage for the price point, making it beneficial for travellers going to brand new destinations. It also offers useful benefits like home contents, rental car excess and travel agency insolvency coverage. Despite the plethora of coverage, HLAS travel insurance consistently costs below average.

Budget Direct's Basic Plan tends to be the cheapest travel insurance plan on the market, though its benefits are also the lowest. For example, it costs around 60% below average and offers only S$900 of trip inconvenience (made up of personal belongings coverage) and S$50,000 of medical coverage. Because of its below-average coverage compared to more comprehensive plans, it is a good option for people going to familiar destinations to visit family or friends and only want emergency medical coverage.

Best Annual Travel Insurance Plans

Annual travel insurance insures your trips year-round, as long as your destination is within your insurance coverage. Given that 1-week coverage usually costs about S$40 to $70 depending on the region, we recommend getting an annual insurance for people who travel more than 5-6 times per year . Below, you'll find our top picks based on cost and value.

Cheapest Annual Travel Insurance

If you are looking for basic coverage for rock bottom prices, Budget Direct, FWD and Etiqa will be good matches. These plans cost 25-37% below average compared to basic tier annual plans.

FWD can be a good choice for travellers who care about travel inconvenience coverage and sports coverage (for accidents and equipment damage). It costs between S$161-S$214 per year during its ongoing 10% promotion, but if you catch FWD during a higher promotion it can easily become one of the top 3 cheapest plans on the market. Overall, if you are looking for an annual plan that doesn't break the bank and doesn't skimp on coverage, FWD will be the right choice.

While Etiqa's Tiq Entry plan has fairly modest coverage across the board, it is currently one of the cheapest annual plans on the market. While the rock bottom prices can be enticing to budget travellers, is worth pointing out that Etiqa also offers a plethora of valuable benefits. For instance, it offers coverage for adventurous activities and S$1 million of medical evacuation coverage — 30% higher than the basic plan average. Considering that evacuations are some of the most expensive claims, this can be a very valuable benefit for adventurous travellers and the elderly.

Budget Direct's Basic plan will benefit travellers who are looking for some of the cheapest annual plans on the market. Otherwise, travellers may not find much benefit due to Budget Direct's lack of trip cancellation and delay coverage and rather low medical benefits.

Best Value Annual Travel Insurance

Though Allianz's Travel's Silver plan is one of the pricier insurers for Asia and Global annual trip plans, its unique coverage for COVID-19, cruises and 24/7 emergency services can potentially be worth the extra cost. Furthermore, Allianz Travel's Silver plan really outshines its competitors with its travel inconvenience coverage (coverage for cancellations, trip delays, curtailments, baggage loss, etc.). In fact, its S$30,000 of travel inconvenience coverage is significantly greater than the industry average of S$18,000. However, Allianz is quite restrictive in its exclusions, so you should be sure to read the policy wording before purchasing.

Singlife with Aviva's Travel Plus offers above average coverage for competitive prices and can be a winner for travellers who are looking for flexible medical and trip inconvenience coverage. For instance, its Plus plan also lets you cancel or change your trip dates for any reason, which is a unique feature among travel insurance policies. Additionally, you'll receive coverage for certain childbirth and pregnancy conditions, as well as S$2,000,000 of overseas medical coverage. Lastly, frequent flyers will also benefit from Aviva's frequent flyer points benefit, which lets you recover the points you spent on a trip you have to cancel.

Though Allianz's Travel's Silver plan is one of the pricier insurers for Asia and Global annual trip plans, its unique coverage for COVID-19, cruises and 24/7 emergency services can potentially be worth the extra cost. Furthermore, Allianz Travel's Silver plan really outshines its competitors with its travel inconvenience coverage (coverage for cancellations, trip delays, curtailments, baggage loss, etc.). In fact, its S$30,000 of travel inconvenience coverage is significantly greater than the industry average of S$18,000. However, Allianz is quite restrictive in its exclusions, so you should be sure to read the policy wording before purchasing. _ Aviva's Travel Plus offers above average coverage for competitive prices and can be a winner for travellers who are looking for flexible medical and trip inconvenience coverage. For instance, its Plus plan also lets you cancel or change your trip dates for any reason, which is a unique feature among travel insurance policies. Additionally, you'll receive coverage for certain childbirth and pregnancy conditions, as well as S$2,000,000 of overseas medical coverage. Lastly, frequent flyers will also benefit from Aviva's frequent flyer points benefit, which lets you recover the points you spent on a trip you have to cancel.

Why Do I Need Travel Insurance?

Travel insurance will provide financial protection if anything were to happen on your trip. Think about how expensive your trip is and how long it took you to save up for it, especially if you're travelling with your family. Even a 3-day trip can cost several hundred dollars for a family of 3. Furthermore, some portions of your holiday may even be unrefundable like certain flights, hotels or excursions. Travel insurance will cover all the costs of your trip for a fraction of the price in case your flight gets delayed or cancelled, you lose your luggage or if you or your child gets sick and need hospital care.

How to Choose the Best Travel Insurance

Finding the right travel insurance can be simple if you know what you're looking for. First, you should figure out what kind of plan you need — either a single trip plan or an annual trip. Single trip plans are good if you travel infrequently while annual plans may be the more economical choice if you travel more than five times a year. Annual plans can also help you avoid the hassle of comparing travel insurance plans for every trip. Next, you should also determine your furthest destination to make sure there are no lapses in coverage. For instance, if you will be touring the ASEAN but will also stop in Japan, you should purchase an Asia coverage plan.

You should also take a note of whom you're travelling with, what you'll be doing and how that will impact the amount of coverage you'll require from a travel insurance plan. In general, travel insurance gets more expensive the more people you add to it, although some insurers may offer a slight discount if you are travelling with a group. If you will be travelling with your family, you should find a plan that is not only affordable, but also caters to your family's needs. For example, couples who like to do adventurous activities should find a plan that covers their active itinerary, especially if some of these activities run the risk of injury.

On the other hand, families with small children or elderly relatives should look for a plan offering generous medical and travel inconvenience coverage to cover any emergency expenses and minimise the burden of flight delays or lost luggage. Some plans even offer coverage for pre-existing medical conditions, which can be an investment worth getting to avoid a claim denial. A plan with good medical coverage, trip delay/cancellation and emergency assistance benefits can help get you through most travel-related emergencies if you're travelling alone.

When you know the basics of your trip and what kind of coverage you require, you'll be able to parse through travel insurance plans a lot easier. An important thing to note is that you shouldn't settle for the cheapest option every time. It may be worth paying extra for more comprehensive coverage if you are going to a brand-new destination or if you have medical issues. On the other hand, getting a cheap plan with simple coverage may be sufficient for a brief trip to a familiar destination.

What to Know If You're Travelling With Pre-Existing Conditions

As you may have seen above, some travel insurance plans will cover pre-existing medical conditions. Typically, these plans cost a lot more than plans that don't cover pre-existing conditions due to the higher risk, but they can be a lifesaver for people who will have difficulty travelling without these conditions being covered.

So what do insurers consider to be a pre-existing condition? It's a chronic injury or sickness that you have been treating in the past 12 months before you buy your travel insurance policy. It can also be an injury or sickness that you have asked to get medical treatment for by your doctor within 12 months of starting your trip or buying insurance. Some examples of pre-existing conditions are:

• Heart Attack
• High Blood Pressure

Even with pre-ex plans, some conditions won't be covered. This includes conditions that deteriorated suddenly and became a serious illness. You must also be getting treated for your condition and not refusing or delaying treatment, medication or testing. Lastly, you won't be covered if you had to receive treatment more than once for your condition at an A&E, had to stay in a hospital for more than 3 days in a row or had to stay as an inpatient more than once in the 12 months preceding your trip.

Frequently Asked Questions

Have a question about travel insurance? Find your answer below.

Currently, high-risk countries include Argentina, Bahrain, Bangladesh, Bolivia, Botswana, Brazil, Burma (Myanmar), Cape Verde, Central African Republic, Chile, Colombia, Republic of the Congo, Democratic Republic of the Congo, French Guiana, Georgia, Guinea-Bissau, Haiti, India, Iraq, Kuwait, Latvia, Liberia, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Mongolia, Mozambique, Namibia, the Netherlands, Nepal, Nicaragua, Oman, Pakistan, Papua New Guinea, Paraguay, Reunion, Rwanda, Saudi Arabia, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Suriname, Sweden, Trinidad and Tobago, Uganda, United Arab Emirates, Uruguay, and Zambia.

Please click here for updated information on high-risk countries or visit the Ministry of Health's website for Singapore-specific travel restrictions. It's also important to note that you may not be covered for COVID-19 related claims if you purchase travel insurance for travel to these destinations.

As of July 8, 2021, several countries are experiencing increasing rates of infection and may be risky for travel. Singapore has multiple travel lanes that determine who can enter the country based on the traveller's profile and point of departure; further details on travel lanes can be found here . Upon arrival to Singapore, you may be ordered to serve a mandatory Stay-Home Notice (SHN), depending on your 21 days of travel history and PCR test results (which may be required depending on the risk level of the countries you travelled to).

If you are travelling outside of Singapore, please check with your destination country for their COVID-19 precautionary requirements. It's also important to note that if you are planning a trip and have recently bought a travel insurance policy, you may not be eligible for claims related to COVID-19.

Updates on the COVID-19 pandemic and Singapore's response is rapidly changing. Because of recent COVID-19 spikes worldwide, Singapore has determined only Brunei Darussalam, New Zealand and Mainland China okay for non-essential travel. To stay updated, please click here .

No, travel insurance isn't mandatory. However, it is highly recommended if you will be travelling to new destinations or participating in adventurous activities.

You should buy travel insurance preferably as soon as you book your trip. The latest you can buy a policy is one day before your trip, although some insurers reduce coverage for cancellation benefits three days before your travel date. You can not buy a travel insurance policy after you have left for your trip.

While travel insurance policies generally have similar exclusions, some insurers may cover things that others don't. While we list some of the common exclusions below, you should still read the policy wording of your travel insurance policy to know exactly what is and isn't covered.

Each insurer has their own way of receiving claims. Most insurers have switched over to online submissions where you can upload and submit your claim and all your supporting documents. Some insurers even let you submit smaller claims through their travel apps. You also have the option to mail the documents. Travel insurance claims should be submitted within 30 days of your return. If you are unsure of the documents you need to submit, each insurer should have a claim submission instruction page that lets you know what they need for what type of claim.

Alternatives to Travel Insurance

If you want to purchase travel insurance to cover your trip, but do not want to spend extra on a policy, there are ways of getting free travel insurance coverage. For example, there are travel credit cards that provide free travel insurance coverage to their cardholders. Though some of these cards can get costly, the insurance packages included are quite comprehensive. For more information, we prepared a list with detailed analysis of cards with complimentary travel insurance .

Methodology

By collecting hundreds of data points from all the travel insurance offerings in Singapore, we were able to gain insight on dozens of plans offered by more than 20 insurers. The data we collected benefit coverages from personal accident, medical, emergency repatriation, trip cancellation, lost or damaged baggage, trip/baggage delays to sports coverage. We also collected pricing information for each product by destination country and by duration of coverage (1-week, 2-week and annual). To see all of the companies we analysed, please see the table below.

In order to arrive at our top picks for travel insurance, we looked at multiple factors. First, we considered the amount of money one is entitled to when certain events occur (i.e. medical and trip inconvenience). Then, we created a benefits to cost ratio to measure the value of each product. This measure is a proxy for how much an insured person gets for what he pays. We weighed each benefit area in terms of frequency of claims : travel inconvenience was given a weight of 60% while personal accident and medical benefit was given a weight of 40%.

The graph below illustrates how different companies compare based on the value ratio we utilised. This particular example assumes a 1-week trip within ASEAN region — however, this can vary for other regions and for longer trips, especially if you purchase an annual package.

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Our Top Travel Insurance

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• Best Travel Insurance for Seniors
• Best Insurance Companies in Singapore

Keep up with our news and analysis.

Stay up to date.

Featured Travel Insurance Companies

• Allianz Travel Insurance
• FWD Travel Insurance
• Direct Asia Travel Insurance
• Etiqa Travel Insurance
• Aviva Travel Insurance
• HL Assurance Travel Insurance
• Wise Traveller Travel Insurance

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• Why You Need Travel Insurance
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• How to Pick the Best Travel Insurance
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• Airline Travel Insurance vs. Traditional Travel Insurance
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• Travel Insurance
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Seriously, before you travel, get insurance.

GoGetCover is a versatile, one-stop travel insurance solution offering you the freedom of travel with most comprehensive protection.

A short business trip or an extra-extended family holiday; single journey or annual coverage, choose your plan from the widest range of benefits and services. Read More

Our hotlines, for all your needs.

You’ll feel more assured knowing help is just a phone-call away. These numbers are all you need, whatever the emergency.

• 24-hour Medical & Emergency Assistance
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With its comprehensive coverage as highlighted below, many travellers rely on Travel Guard every year to meet their travel protection needs. Get Covered Now

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Improved benefits, no matter where you are.

• Medical Expenses Incurred Overseas (Improved – Premier Plan)
• 2A – (1) For Injury sustained while Overseas
• 2A – (2) For sickness sustained while Overseas and where emergency medical evacuation has been arranged by TravelGuard to return you to Singapore
• 2B – For Sickness sustained while Overseas Emergency Telephone Charges (Improved – Premier Plan)
• Personal Baggage including Laptop Computer (Improved – Premier Plan)
• Jewellery Coverage (Improved – Premier Plan)
• Car Rental Excess Charges and Return (Improved)

Be wary of phishing scams. Please visit our  Security Advisory  page for more information.

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• TravelSmart Premier

TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

• Limited time: 30% off single trip plans!

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels.  Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel. 

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents. 

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19. 

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage. 

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments. 

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events. 

Complimentary benefits at no extra premium 2

Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:  

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at  https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. • Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services if you need emergency medical assistance while travelling.  

•  Phone (Hotline) : (65) 6708 7453

•  WhatsApp : +1 888 831 7667

•  Click-to-Call

Q39: How do I file for a claim?

Claims submission can be submitted via our online travel claim portal  here . Kindly submit full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For more details, please refer to this page . For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

Let us match you with a qualified financial representative

Our financial representative will answer any questions you may have about our products and planning.

How can I help you?

Your last Servicing Representative will contact you.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1  COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2  Not applicable for Basic Plan.

• The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
• This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
• This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of bene­fits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg  or  www.sdic.org.sg ).
• TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

Limited time offer!

Sign up now and enjoy: 30% off ^   Classic and Elite single trip 2-way plans Promo code < TSP30% >

10% off ^ Classic and Elite annual multi-trip plans  Promo code < TSP10A >

^ Promotion is valid until 30 September 2024. Valid for Classic and Elite plans only. Applicable for new policy sign up(s) and is only applicable for applications submitted online. Replacement policies will not be eligible. Campaign code must be keyed in to be eligible for the discount.

Use the Great Eastern App to make a faster purchase today!

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Travel Insurance for a Trip to Singapore (2024)

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Whether you’re a seasoned traveler or it’s your first time abroad, having travel insurance for a Singapore vacation can be beneficial. From trip cancellation protection to medical expense coverage, travel insurance can help reimburse nonrefundable costs if your plans go astray.

We at the MarketWatch Guides Team have reviewed the best travel insurance companies and compiled what to know about travel insurance for Singapore, including advantages and costs.

Compare Singapore Travel Insurance Companies

Compare the best Singapore travel insurance companies with the table below:

Do I Need Travel Insurance for Singapore?

As of February 2023, Singapore has eased up on COVID-19-related travel insurance requirements. Visitors are no longer required to obtain travel insurance before entering the country, but the government still highly recommends it.

In case things go wrong, having travel insurance coverage can provide an added layer of security. A comprehensive travel insurance plan may cover emergency medical expenses and assistance, lost or delayed baggage, unexpected trip cancellations and flight delays.

Singapore is known for outdoor adventure activities like kayaking, scuba diving and hiking — and travel insurance can offer peace of mind when you’re exploring the great outdoors. Most plans include emergency medical coverage if you sustain injuries while traveling, and some policies offer protection for sporting gear.

But every traveler is unique and will require different coverage. Whether you’re an adventure aficionado or a business traveler , there’s an insurance plan that’s right for you. Here are the most common travel insurance coverages:

Cancel for Any Reason Coverage

Cancel for any reason coverage , also known as CFAR, allows you to claim reimbursement if you cancel your trip for reasons not listed in your insurance policy. CFAR coverage is advantageous for travelers who might need to cancel their trip for unconventional reasons.

When compared to standard travel insurance, CFAR coverage is more flexible. However, it can be more costly and doesn’t always cover you completely. There are a handful of rules to qualify for coverage, including:

• You may have to cancel at least 48 hours before your departure date.
• You need to buy CFAR coverage within a certain number of days after booking your trip.

Gear Theft Protection

Singapore has some of the highest safety rankings in the world . Nevertheless, backing yourself with gear theft protection can still be a wise choice, especially if you’re traveling with valuable personal belongings, travel documents and credit cards.

Travel insurance can help cover you in case your items are lost, damaged or stolen. Although travel insurance policies include predetermined cost limitations and exclusions, coverage is worth considering if you wish to bring the following:

• A laptop, tablet or smartphone
• Professional camera and equipment
• Sports equipment (like a kayak)

Note that, due to sub-limits on some policies, your policy may not cover the full value of your items. Review your policy documents, including the product disclosure statement, to ensure you are protected. If not, you may want to consider leaving some of your more valuable items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

If you encounter health complications during your trip, having travel insurance with medical emergencies and evacuation coverage can make a big difference.

In Singapore, the smog and tropical heat may negatively affect some travelers . Be sure to declare any pre-existing medical conditions like high blood pressure, asthma or skin conditions when booking your trip insurance.

Travel insurance for medical emergencies can cover a variety of scenarios, from viral outbreaks to unforeseen medical treatments. Keep in mind that your U.S. health insurance card may not provide coverage abroad, even if you have a private plan. If things go awry, you’ll have peace of mind knowing you have medical protection with travel insurance.

For medical emergency coverage, a standard travel insurance policy may include:

• Hospital admission fees
• Operations and operating room fees
• Ambulance fees
• X-rays and lab tests
• Dental costs

Travel insurance companies also usually include coverage for emergency medical evacuation and repatriation. In recent years following the pandemic, medical insurance has become a consideration for many American travelers.

Some companies also offer medical coverage for sports and adventure enthusiasts. Overseas medical expenses and treatments can add up, especially if you’re into extreme sports.

Rental Car Protection

Singapore requires car rental companies to have insurance . In most cases, rental car insurance in Singapore covers the vehicle in the event of traffic accidents. Most car rental companies opt for a basic collision damage waiver coverage that comes with limitations. Two important factors to look out for include:

• Most car rental companies will choose to opt for a higher excess, or what you will have to pay when making a claim.
• The majority of companies will only cover car use in Singapore.

Check your insurance policy before driving a Singapore rental car into other countries. For example, you may not have coverage if you drive a vehicle from Singapore to places like Hong Kong, Brunei, Cambodia or Malaysia.

If you’re traveling to Singapore and planning to rent a car, you can also purchase travel insurance with rental car coverage for extra protection. Some types of rental car coverage include:

• Collision damage waiver
• Theft protection
• Third-party liability
• Personal accident insurance

Trip Cancellation Insurance

Trip cancellation insurance can reimburse you in the event of unforeseen circumstances while traveling. This type of travel insurance covers cancellations for the following reasons:

• Death of a traveling companion or immediate family member
• Diagnosis of a serious medical condition or injury
• Natural disasters or dangerous weather conditions
• Domestic or international acts of terrorism
• Legal obligations like jury duty

Trip cancellation insurance is mostly limited to the above reasons. For more flexibility, it’s best to opt for CFAR coverage.

How Much Does Singapore Travel Insurance Cost?

The cost of travel insurance can vary depending on your coverage preferences, age and desired destination. Whether you’re searching for single-trip plans or annual multi-trip coverage , there are multiple providers to consider. And if you are on a budget, cheap travel insurance options are available.

To receive a quote from a travel insurance provider, you’ll be required to submit the following information:

• Destination country
• Your home location
• Age group and the number of travelers
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Singapore. The below quotes are for a 30-year-old traveler from Florida, traveling to Singapore for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

How Do I Get Travel Insurance for Singapore?

There are a few things to consider before purchasing a travel insurance plan for your trip to Singapore. First, it’s worth seeing if your current health insurance plan or credit card offers any overseas coverage. We also recommend you check to see if your health insurance extends to medical emergencies abroad.

Compare various insurance options and consider factors like COVID-19 coverage, medical expenses, emergency assistance, trip cancellation and travel delays. For example, most major airlines offer travel insurance when booking flights, but coverage may not include specific medical emergencies.

Remember, full reimbursement isn’t always guaranteed, so carefully review policy wording and disclaimers. Familiarize yourself with coverage exclusions and consider add-ons to enhance your travel insurance coverage.

Singapore Safety Tips

Singapore is considered one of the safest countries for travel . Whether you are traversing this modern, metropolitan city-state as an experienced traveler or a first-timer, here are some things to take into account:

Crime and Safety

Crime rates are relatively low in Singapore. However, petty crime can still happen in major tourist areas, hotel lobbies, airports and public transportation facilities. Keep an eye out for pickpocketing and theft and, if possible, keep your valuables stored in locked safes when not in use.

Day Trips, Tours and Excursions

There are plenty of options for travel from Singapore, whether you are planning a day trip to Malaysia or a longer stay in Indonesia or Thailand. If you’re planning an active activity, make sure your travel insurance plan covers medical expenses and emergency assistance.

As of February 2023, the Singapore government has lifted all restrictions regarding COVID-19 .

The country does not require COVID-19 coverage and vaccinations for international air travelers. You also do not need to show a vaccine passport to return to the U.S.

In case of an emergency when traveling in Singapore, call the U.S. Embassy hotline at +(65) 6476-9100.

Is Travel Insurance for a Singapore Vacation Worth It?

Although travel insurance for a Singapore vacation is not mandatory, it comes with many benefits. Standard insurance may cover you for lost baggage , medical emergencies, flight postponements or other travel inconveniences. Or you can opt for more comprehensive coverage, which could include protection for valuable items like cameras and sporting gear.

Travel insurance can also offer peace of mind if you have to cancel your trip due to unforeseen circumstances. Plus, there are many add-on options to improve your travel insurance coverage — like CFAR or rental car coverage.

Ultimately, it’s up to you if travel insurance is worth it for a vacation to Singapore. We recommend comparing quotes and general information from at least three travel insurance companies before purchasing a policy.

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

The U.S. does not always require airlines to compensate you for delayed or canceled flights. Most major airlines have limitations that only allow refunds if cancellations are the airline’s fault or due to overbooking. However, travel insurance offers reimbursement for nonrefundable costs, such as airline tickets, for certain trip cancellations.

Do you need travel insurance for Singapore?

You are not required to have travel insurance to enter Singapore. But purchasing travel insurance can offer policyholders peace of mind in knowing their trip is protected against unexpected events.

Do tourists get free health care in Singapore?

Travelers do not receive free health care in Singapore. But medical expenses can add up if you need treatment while abroad. Travel insurance can help cover emergency medical expenses while in Singapore. Or you can check to see if your health care extends to emergency care while traveling.

Can I buy travel insurance after I depart for Singapore?

No. To claim reimbursement, you need to purchase travel insurance before your departure date.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

• Wed. Sep 11th, 2024

FlexiTravel Plus: Singapore’s first and only hourly travel insurance from S$1.80 for 19 Asian destinations

By Mary Alavanza

SINGAPORE: Income Insurance has launched FlexiTravel Plus today, Sept 10, as Singapore’s first and only hourly travel insurance. This new plan allows travellers to extend their travel protection hourly and is available for trips to 19 Asian destinations.

FlexiTravel Plus replaces FlexiTravel Hourly Insurance, which previously covered only Bintan, Batam, and Malaysia, offering more flexibility for those seeking short-term travel protection.

With FlexiTravel Plus, travellers can start with a six-hour coverage block for just S$1.80 and add extra hours at S$0.30 per hour, capped at S$3.00 per day. For example, a three-day, two-night trip to Thailand would cost no more than S$9.

Annie Chua, Vice President and Head of Key Accounts Management at Income Insurance, highlighted that FlexiTravel Plus was created to address gaps in travel insurance.

“ We keep our travel insurance not just accessible but relevant and inclusive to meet real protection needs. Overseas travel has its risks.

Travellers may sometimes forget to purchase travel insurance for their trips, given their busy lifestyle, while some may not regard conventional travel protection as necessary, especially when going for a short getaway.

We aim to bridge these gaps by offering travel insurance options tailored for modern travel patterns and prevalent concerns so that travellers mindfully close their protection gaps and enjoy peace of mind,” she said.

Ms Chua noted that more travellers are recognising the importance of travel insurance, even for short trips like weekend getaways. She pointed out that the number of people choosing FlexiTravel Hourly Insurance in 2024 was three times higher than the previous year.

“ This has motivated us to launch FlexiTravel Plus, the plus-sized version to protect short trips to 19 Asian destinations so that travellers have affordable and flexible travel protection options,” she said.

Aside from hourly coverage, FlexiTravel Plus also offers other benefits, including protection against trip disruptions, delays, overbooked transport, and travel agency insolvency.

Travellers are also covered for loss of personal electronics, such as phones and laptops, in the event of theft. In addition, those carrying sports equipment, like golf clubs or surfboards, can opt for extra coverage with a rider.

Travellers can use the My Income mobile app to activate, extend, or stop their FlexiTravel Plus coverage anytime, including if they return to Singapore earlier than planned.

Income Insurance also introduced a new feature allowing travellers to buy travel insurance online up to a day after departure. This post-departure option means travellers can get FlexiTravel Plus within eight hours after leaving Singapore, with coverage for at least 24 hours.

Previously, insurance needed to be bought before the trip began. The post-departure purchase feature provides travellers with greater flexibility, helping them close any coverage gaps and enjoy their trip with peace of mind, even if they forgot to arrange insurance in advance.

Income’s Enhanced PreX Annual Travel Insurance, the only annual travel plan in Singapore covering pre-existing medical conditions, also covers overseas telemedicine services.

Policyholders can access a doctor 24/7 via an emergency hotline while abroad. For non-emergency cases such as the flu or a cold, the doctor can guide travellers in purchasing medicine and provide translation services for local pharmacies to ensure they receive the necessary care.

For more information about FlexiTravel Plus insurance, find out more here . / TISG

Read also: Nearly 3 in 10 Singaporeans said difficulty in making claims discourages them from getting travel insurance

Featured image by Depositphotos

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Income Now Offers Hourly Travel Insurance for 19 Asian Destinations

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Income Insurance has launched FlexiTravel Plus , touted as Singapore’s first travel insurance offering hourly coverage for travelers to 19 destinations across Asia.

The plan, an expansion of the previous FlexiTravel Hourly Insurance, extends coverage beyond Batam, Bintan, and Malaysia to include Brunei, Cambodia, Indonesia, Laos, Myanmar, the Philippines, Thailand, Vietnam, Australia, China, Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, and Taiwan.

FlexiTravel Plus allows travelers to purchase six-hour blocks of coverage starting at S$1.80, with additional hours priced at S$0.30, capped at S$3.00 per day.

For example, a three-day trip to Thailand would cost a maximum of $9 for full coverage.

The plan offers flexibility for short getaways, making it a convenient option for those looking for affordable, customisable travel insurance.

The new insurance product also comes with enhanced benefits, covering trip disruptions, travel delays, and loss of electronic devices due to robbery and snatch theft.

Travelers can also opt for extra coverage for sports equipment like golf clubs or surfboards.

FlexiTravel Plus can be activated or extended at any time through the My Income app, offering added convenience for travelers who may need to adjust their plans mid-trip.

Income Insurance also introduced a post-departure purchase option for its traditional travel insurance policies.

Travelers can now buy insurance up to a day after leaving Singapore, with FlexiTravel Plus available for purchase within eight hours of departure for trips lasting at least 24 hours.

This feature is for to those who may have forgotten to secure coverage before departing.

Additionally, Income’s Enhanced PreX Annual Travel Insurance now includes telemedicine services, providing policyholders with access to 24/7 medical consultations while abroad.

Annie Chua, Vice President & Head, Key Accounts Management, Income Insurance, said,

“Overseas travel has its risks. Travellers may sometimes forget to purchase travel insurance for their trips given their busy lifestyle, while some may not regard conventional travel protection necessary especially when they are going for a short getaway. We aim to bridge these gaps by offering travel insurance options that are tailored for modern travel patterns and prevalent concerns so that travellers mindfully close their protection gaps and enjoy peace of mind.”

Allianz had recently announced plans to acquire a 51% stake in Singapore’s Income Insurance in a deal valued at approximately SG$ 2.2 billion (EUR 1.5 billion).

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