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Fast response over Whatsapp during…

Fast response over Whatsapp during enquiries. Hopefully they'll be as responsive if I ever need to make a claim

Date of experience : April 15, 2024

Reply from Bubblegum

Hi, We sincerely appreciate you taking the time to share your rating with us. Your feedback means a lot to us. Should you require any assistance, please do not hesitate to reach out to us. Our team is here and ready to help. Regards, Bubblegum Customer Support

Prompt response to my questions and…

Prompt response to my questions and help me to solve Thank you

Date of experience : April 16, 2024

Hi, We greatly appreciate your 5-star review. It's rewarding to know that we've met your expectations. Regards, Bubblegum Customer Support

Convenient to Contact Support Team

Ability to reach out to Bubblegum Co via instant messaging (WhatsApp) was fuss free. Responses from the team on my enquiries about their car insurance has been relatively quick so far. Only grievance is that promotions or freebies are not as attractive as before. I utilised a 10% promo code nonetheless. Use BBG240503 for 15% off through my referral if you’d like!

Date of experience : March 15, 2024

Hi Isabelle Wong, We’re really grateful and appreciate you taking the time to share your rating with us. This encourages us, and we will strive to provide you with better service in the future. Once again, thank you for choosing Bubblegum! Regards, Bubblegum Customer Support

Value for money and good customer service

The insurance agent messaged immediately to take care of problems and to answer questions. Their customer service is excellent. I think it is the cheapest car insurance in Singapore. I compared with a few insurance companies and all of them were to charge me almost 65% more than the Bubblegum insruance company. I thinik it is a wise decision to get value for money without compromising coverage. Bubblegum wins the race.

Date of experience : March 04, 2024

Hi Ramachandran Srinivasan, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Kudos to Bubblegum

When I searched for a cheaper car insurance premium last year as I feel that it is well too expensive for me because I am a good driver and I never claim one cent from any insurance company in my 44 years of driving experience. I saw Bubblegum offered the lowest premium. But I was very skeptical as Bubblegum sounds unsophisticated if not hilarious and it's a newcomer. I accepted their proposal as it saved me money. The best part is they monitor my insurance expiry date and even offer me a further 10% discount for renewal yesterday. I am very impressed with the competitive and proactive customer focused strategy from Bubblegum. Well done Bubblegum. Thank you.

Date of experience : March 13, 2024

Hi Ng Hock Chai , Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Good website

Good website, easy to understand the plan. I believe cheapest in the market. Well done to give us another alternative.

Date of experience : March 20, 2024

Hi CKS, We greatly appreciate your 5-star review. It's rewarding to know that we've met your expectations. Regards, Bubblegum Customer Support

I submitted a request for the cancellation of a travel policy

I submitted a request for a cancellation of a travel policy which I made a mistake when choosing the country that I needed coverage on. They kindly helped me resolve the issue promptly.

Date of experience : February 15, 2024

Hi JG, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Give me a wider choice of insurance at…

Give me a wider choice of insurance at an affordable rate...furthermore with additional option add on for engine n gearbox warranty(after 30days) for effectiveness of coverage is useful for a buyer of 2nd hand car...

Date of experience : March 07, 2024

Hi Kamarulzaman, We’re really grateful and appreciate you taking the time to share your rating with us. This encourages us, and we will strive to provide you with better service in the future. Once again, thank you for choosing Bubblegum! Regards, Bubblegum Customer Support

Excellent Service

It is good Kenneth not pnly takes the trouble to inform me my car insurance is expiring, he also goves a rough estimation of the next insurance charge and provides a link to renewal.Makes it very convenient to renew. I don't bother to check for the lowest market rate.

Date of experience : December 09, 2023

Hi Joyce Choo, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Price was the lowest, lower than Budget Direct

Price was the lowest, even lower than Budget Direct, but yet comprehensive enough to cover what's necessary. Agent needs to be more prompt in responding though, as have to write reminder emails to respond. Like the engine & gear free warranty thrown in

Date of experience : June 12, 2023

Hi Vivien Goh, We’re really grateful and appreciate you taking the time to share your rating with us. We are working hard on this, and we hope to provide you with a better experience in the future. Please reach out to us if you need further assistance. We are here to help. Regards, Bubblegum Customer Support

Pros & Cons

Cons: The cash rebate process seems a bit slow. The internet application was very slow. Pro: Prices seem to be competitive, and the only policy with the option to insure engine & gear box.

Date of experience : February 07, 2024

Hi Catherine, We’re really grateful and appreciate you taking the time to share your feedback with us. This encourages us, and we will strive to provide you with better service in the future. Please feel free to reach out to us if you need any help in the future. Regards, Bubblegum Customer Support

Price is competitive

Price is competitive; saved couple of hundred $. Just need a little DIY to complete the online purchase. My previous insurer will usually call me & we finalise it over the phone. The customer service is prompt. Hope that after sales service will be prompt too.

Date of experience : June 13, 2023

Hi, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

2 faces of Bubblegum - the good, the bad and the ugly

Before purchase, response to queries was excellent and fast. However, after purchase when I enquire about the complimentary car servicing vouchers that was promised but not sent to me, there is no response from the same agent, sad! Perhaps a gimmick, cheat or empty promise - care to enlighten, Bubblegum! Addendum: The agent replied to me after the feedback. And to conclude: It's real! It's not a gimmick after all

Date of experience : May 13, 2023

Hi Desmond, We’re really grateful and appreciate you taking the time to share your thoughts with us. We regret hearing about your unpleasant experience with us. Please send an email to [email protected] with any further comments, concerns, or suggestions you wish to share as we will strive to provide you with better service in the future. Regards, Bubblegum Customer Support

Bought the motor insurance but…

Bought the motor insurance but cancelled it few months later so I sold the car and no long require the insurance. The refund does not tally with the number of months of coverage as there are additional admi n charges. Refund process took 2 months (and still counting) and they claimed manpower issue as an excuse. Paying them money is easy but getting from them is hard.

Date of experience : October 16, 2023

Hi Brandon, Thanks for your feedback. We’re sorry your experience didn’t match your expectations. We hope to do better in the future. We believe our customer service representative already looking into your issue. Feel free to reach out to us if you need any assistance in the meantime. Thank you for your patience and understanding. Regards, Bubblegum Customer Support

Fast and efficient service ‘ hope it…

Fast and efficient service ‘ hope it continues during my period with you and hope to continue with you In fact I am thinking of being part of your team as I do have general insurance licence ; pls advice Thank you Regards Shaik

Date of experience : July 30, 2023

Hi Shaik, Thank you for giving us a 5-star review. We are happy to have met your expectations. Please write to us with a copy of your resume to [email protected]. Regards, Bubblegum Customer Support

Fast and Convenience

Fast and Convenience. That's the real reason that this insurance is excellent. Even my personal data was captured automatically using SingPass. Well achieved.

Date of experience : February 20, 2024

Hi Azhar, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Singpass automation didn't work

Singpass automation didn't work, error on bubblegum policy not allowing comma, but the data is retrieved from singpass and bubblegum webpage doesn't allow editing. wrote in to technical support but with no resolution, in the end was instructed to manually key in all the chassis numbers, issue date, models and many more etc that requires some info digging manually. but overall, the deal is worth the effort.

Date of experience : August 30, 2023

Hi NEPG Customer, We’re really grateful and appreciate you taking the time to share your rating with us. This encourages us, and we will strive to provide you with better service in the future. Regards, Bubblegum Customer Support

Communication

So far just I managed to communicate with your staff to extend my insurance. He's doing a great job.

Date of experience : February 08, 2024

Hi Abdul Halim Sam, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

The best platform I have seen for year…

The best platform I have seen for year as a professional myself too. Immediately I get the price within clicks and its clean and simple unlike others who hides and have many T&Cs.

Date of experience : August 29, 2023

Hi Lexus, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

Hassle free application and approval

Hassle free application and approval. It's the cheapest car insurance I had seen so far! Furthermore, there's promotion codes to further decrease the premium that you need to pay!

Date of experience : October 10, 2023

Hi Anthony L, Thank you for giving us a 5-star review. We are happy to have met your expectations. Regards, Bubblegum Customer Support

We Reviewed Singapore’s Cheapest Travel Insurance Plans: Which Is Best?

Cheap travel insurance can be a double-edged sword. On the one hand, it hurts to be paying for the what if’s, especially if you’re going on a budget trip.

On the other hand, you may as well not have any insurance at all if you choose the wrong provider.

To help you decide, we’ll outline:

• Pricing to Value . We’ll look at all the budget-friendly travel insurance plans and compare the value that each offers.
• Coverage . Check out the fine print on things like trip inconveniences. These are the little details that can result in a huge hassle, especially if you’re on a short trip and tight wallet.
• Responsiveness & Ease of Claims . The real test is when you have to make a claim. Don’t just look at the coverage and pricing. Check out the insurer’s reputation for customer service as well.
• Promotional Offers . These change from time to time, but we’ll mention any available.

Cheapest Insurance Plans for Travel: Which of These Are Worth Their Premiums?

For reference, we’ve used a hypothetical trip to Australia. Only plans under $40 for a weeklong trip qualified for our list of cheapest travel insurance.

We then sorted these packages by starting prices (accurate as of 12 Mar 2023):

We’ll dig into the details for each of these insurers next.

1. Tiq by Etiqa

Tiq by Etiqa

A member of the Maybank Group, Etiqa Insurance offers  a range of insurance products, including travel insurance, car insurance, and personal accident insurance.

It’s won several awards, including TripZilla’s Excellence Award for Best Travel Insurance in 2022, Best Online Buying Experience, and Most Popular Travel Insurance Company.

Pricing to Value?

Considering its wallet-friendly prices, we’d say Tiq’s coverage is more than adequate for short trips. Of noteworthy mention is the trip delay compensation: the industry average is per 6 hours of delay, but Etiqa offers compensation per 3-hour interval.

Note though: Etiqa keeps its pricing low by not including automatic COVID-19 coverage. You’ll have to pay for a separate add-on instead.

Responsiveness & Ease of Claims

Etiqa has had largely positive reviews from past customers, even for COVID-19 related claims. Most appreciate the company’s competitive pricing and coverage.

Many note that the travel insurance policies are easy to purchase online and that claims have been straightforward and efficient. Some customers have reported that they received reimbursement quickly and without hassle.

However, like any insurance company, Etiqa has also received a few negative reviews. Some customers have complained about the limitations and exclusions of the policies, such as not covering certain pre-existing medical conditions or adventurous activities like bungee jumping.

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2. DirectAsia

You’ve probably seen DirectAsia’s many ads for car insurance. Question is, how good are their travel insurance policies?

For starters, DirectAsia’s trip inconvenience coverage seems inadequate. If your personal effects are lost or damaged, they’ll only cover up to $50 per article by default. (In comparison, FWD and Starr offer $400 per article, while ERGO offers $500.)

And while DirectAsia covers extreme sports, this is only available on their annual policies. COVID-19 coverage, meanwhile, is only for single trip policies. In other words: you can’t have both extreme sports and COVID-19 coverage. [ Full policy wording ]

You also won’t get a quarantine allowance or hospital allowance in the event you catch the virus while travelling.

DirectAsia’s reputation for travel insurance isn’t great; they seem to do well with car insurance claims, but not so much for travel ones. Most report their customer service being slow and unresponsive.

3. Bubblegum

Bubblegum is underwritten by Starr Insurance, so whatever you’ve heard about Starr also carries over for Bubblegum. While their website looks friendly, their policy wording leaves much to be desired: it’s unclear how much coverage you’ll get per article for lost/damaged personal effects, for example.

The nice thing about Bubblegum’s policies is that adventurous activities like scuba diving, skiing, and hot air ballooning are covered. You’ll also get automatic COVID-19 coverage, though this doesn’t extend to a quarantine allowance.

Notably, loss of or damage to your mobile phone isn’t covered under the policy.

Bubblegum doesn’t have many customer reviews, so take this with a grain of salt.

The few reviews there are of Bubblegum are a bit hit-and-miss. On the one hand, their own customer support staff seem accommodating and helpful; on the other hand, claims can be slow (or go totally unanswered) because of Starr Insurance’s reputation for unresponsive customer service.

None at the moment.

Starr Travelead

Starr’s TraveLead Insurance is an option that often comes up for budget travellers. But apart from the affordability and flexibility, most are better off paying slightly more for insurers with a better track record.

Starr Insurance doesn’t have the greatest reputation, to say the least. Run a quick search and you’ll see a whole slew of customer reviews that tell you to avoid them like the plague. But let’s see if there’s anything else to them:

Firstly: Starr’s plans don’t include baggage coverage by default. The weekly prices quoted include the add-on you’ll need for this.

Other than that though, their trip inconvenience coverage looks higher than average. Laptops are covered up to $1,400 (where $1,000 is the norm) and you’ll get rental vehicle excess included in all the plans.

Golfing equipment, cruises, and adventurous activities are separate purchasable add-ons.

Most insurance companies have a mix of positive and negative reviews. Starr, unfortunately, seems to be a provider that consistently garners negative reviews.

There are many reports of customer support not picking up their calls, and even more of claims submissions going unanswered. In one instance, a reviewer said that it had been six months and he’d yet to hear from them about the status of his claims.

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Headquartered in Hong Kong, FWD has grown popular in recent years for its low-cost, easy-to-purchase insurance plans. They’ve been rapidly expanding in the Southeast Asian region and currently offer a range of car, travel, maid, and life insurance via their digital platforms (web and mobile).

FWD is a little pricier compared to the other cheap travel insurance plans, especially when you consider that COVID-19 coverage isn’t automatic. The add-on will cost another $19 or so, which means it’s not quite “cheap travel insurance” anymore.

That said, the add-on does come with a COVID-19 quarantine allowance (which the previous few providers didn’t offer), and the base plan itself also includes a hospital allowance for both overseas and locally.

Perhaps what makes FWD’s pricing more worth it is their largely positive track record. Of the thousands of reviews online, most report a good experience with the company, whether it’s with the initial purchasing process via the app/website or with their customer support staff.

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Underwritten by Chubb, Grab’s insurance policies are straightforward. You’ll pay $3.90 per day to travel in the ASEAN region, $5.10 for the APAC region, and $10 worldwide (minus Cuba). There’s no tiering for their policies: what you see is what you get. [ Policy wording ]

Grab keeps their premiums low by covering only key aspects. For example, you’ll only be covered if you seek medical treatment overseas, not if you get sick/injured while abroad and then return to Singapore for treatment. Rental vehicles, pre-existing conditions, adventurous activities, sports equipment, and so on are also not covered.

However, Grab’s “lite” insurance plans seem to be out of the norm for Chubb: many reviews complain that Chubb’s pricing is around 30% higher than the market average for the coverage it offers.

Besides Grab, Chubb underwrites a few other providers – DBS, for example. While no insurer has a perfect record, Chubb has a decent record for customer service and claims processing.

7. ERGO: International Brand Still Establishing Themselves Locally

Believe it or not, ERGO is probably the biggest company on this list. Headquartered in Germany, ERGO mostly operates in Europe. They acquired a local insurance company in 2014 and have slowly been establishing their presence in Asia.

Pricing to Value

ERGO may not be the cheapest travel insurance plan on our list, but it has a lot more thrown in than the other budget options.

All plans – including the most basic Essential plan – include aspects like adventurous activity cover, cruise cover, sports equipment cover, and rental vehicle excess. Most of the other providers require add-ons or a more expensive plan for the same coverage.

The one glaring omission? ERGO hasn’t updated their plans for automatic COVID-19 coverage. It’s also unclear whether you’ll get compensation like hospital allowances if you happen to catch the virus while travelling.

While ERGO is one of the biggest insurance providers in Europe with largely positive reviews, they’re still relatively unknown in Singapore.

And to be fair: there aren’t many accounts of people insuring with them, let alone successfully claiming any compensation. But if the few recent reviews are any indication, the local branch of ERGO is a solid insurer with a good record of paying out claims.

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Introducing Bubblegum: 5 Things to Know About Our New Insurance Brand

Heard of Bubblegum yet? With its adorable artwork and super friendly user interface, you could very well mistake Bubblegum’s app and website for a cute mobile game… but it’s actually an insurance platform. 

And it’s made by yours truly. That’s right, we at MoneySmart built an insurance platform! After helping consumers compare products and make smarter financial decisions for over a decade, Bubblegum was the logical next step for us.

Here’s what we’d like you to know about Bubblegum, your money-saving insurance companion. 

1. What is Bubblegum?

Bubblegum isn’t just an app, it’s a complete digital insurance ecosystem. Translation: It was built to meet all of your insurance needs across every stage, from purchase to claims to payouts. 

Bubblegum’s insurance policies aim to offer all the essential coverage you need at the best value possible. Say goodbye to the hidden T&Cs, bloated premiums and inflexible lock-ins so often found in conventional insurance policies. Bubblegum has done away with that toxic stuff. Instead, every policy is 100% transparent, so you know exactly what you’re buying.

The Bubblegum app and website have been designed to make managing insurance fun, simple and stress-free. We actually want people to enjoy the insurance experience, as far-fetched as that sounds.

2. Why was Bubblegum created?

Since 2009, MoneySmart has helped over 100 million people across Singapore, Hong Kong, Taiwan and the Philippines compare financial products, save money and make smarter decisions. 

During these 13 years, we’ve witnessed first-hand the frustrations many consumers have around insurance. 

Most of us dread dealing with insurance. We know we “should”, but we don’t have the time or inclination to meet agents, go through piles of paperwork, wrap our heads around financial jargon, worry about missing the fine print, blah blah blah… not to mention the ordeal of having to submit a claim (that might get rejected!).

Despite scouring the insurance world for the best options for consumers, we’ve always felt our choices weren’t quite up to standard. If only WE could create our own products tailored to consumers’ actual needs — and completely reinvent the insurance user experience!

So we set about making that dream a reality. This involved a pretty long process of applying for MAS licenses and lots of paperwork, but we finally have everything in order. Finally, under the Bubblegum brand, we can start the insurance revolution we’ve always dreamed about.

3. What sets Bubblegum apart?

Here are 3 ways Bubblegum stands out from the pack:

Super affordable prices

Insurance is a basic financial need and should be priced accordingly. Unfortunately, agents often push pricey policies to maximise their commissions — making insurance seem like an unaffordable luxury. Bubblegum is here to change that. 

In a quest to deliver the most bang for your buck, Bubblegum has affordable plans from as little as $4 a day for Travel Insurance , with no hidden costs like Covid coverage. Despite being light on your wallet, Bubblegum’s insurance policies are heavy on the coverage, created in partnership with Singapore’s top insurance providers to make sure you get the best deal possible.

Digital & instant

Can you believe some traditional insurers still require you to submit hard copy forms? Not acceptable in 2022, guys. You shouldn’t have to set aside an entire day to settle your insurance matters.

Bubblegum’s goal is to eliminate all the paperwork with a digital application process and hassle-free claims. The dream? Getting all your insurance admin sorted with just a few taps. 

Flexible subscriptions

Consumers have already ditched long-term cable TV contracts and mobile phone lines in favour of no-commitment monthly subscriptions. Shouldn’t insurance be the same?

Bubblegum’s policies are also designed for flexibility where possible. Plans changed? Found something better? You can cancel your Bubblegum plan any time you want.

4. How does Bubblegum work?

Interested in a car insurance policy? You can get a quote in minutes in the Bubblegum app by syncing your details from SingPass. Thanks to MyInfo integration, Bubblegum can pull essential info like your age, household details, home address and so on to generate an accurate quote and a plan tailored just for you. 

Then, apply for the plan instantly or customise your plan to your heart’s content with any optional add-ons. If you have questions, simply chat with our real-life team through the app.

Should you need to make a claim, all you need to do is to follow a few simple steps in the app or on the website, then sit tight and wait for your payout. Got a more complex claim to process? Bubblegum will take care of it for you.

5. What types of insurance are available on Bubblegum?

The plan is for Bubblegum to meet all of your insurance needs eventually. Currently, though, there are 3 types of insurance available or in the works:

Car Insurance (app exclusive)

Car insurance is compulsory in Singapore, so it’s pretty much unavoidable if you have a set of wheels. But that’s no reason to overspend on it.

With MoneySmart’s years of experience as car insurance brokers, we’ve designed a plan that’s perfect for car owners in every way. Underwritten by India International Insurance Pte Ltd , Bubblegum offers comprehensive coverage (including even the engine and gearbox!) for up to $300 less than top insurers in town*.

Travel Insurance (web exclusive)

Goodbye Covid, hello travel! Now that borders are open, travel insurance is a necessity once again. Bubblegum’s got an incredibly affordable plan from as little as $4 per day for a 7-day individual trip to Thailand, with Covid-19 coverage included so you can cruise through your holiday with peace of mind! It’s currently available first on Bubblegum.co or MoneySmart with a limited offer of 20% off your plan for the first 500 customers!*

Total Premium

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.

Key Features

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.

Term Life Insurance (coming soon)

Term life insurance pays out a lump sum in the event of your death, terminal illness or total and permanent disability. In other words, it would pay off any liabilities you have (such as your home loan) and help your family with their day-to-day expenses.

Insuring your life is essential if you have dependents, but it shouldn’t cost you an arm and a leg. Bubblegum’s upcoming term life insurance aims to give you the protection you want at great value.

Want to learn more about Bubblegum? Head over to the Bubblegum website or simply download the app on the Apple App Store or Google Play Store .

*Terms & conditions apply. Full T&Cs at Bubblegum.co.

MoneySmart Financial is an Exempt Financial Adviser and Registered Insurance Broker licensed by Monetary Authority of Singapore ("MAS").

Getting the Best Travel Insurance With COVID-19 Coverage in Singapore (2024)

If you’re one of those travellers waiting eagerly to check more places off your must-visit travel list, you’ll be happy to know that Singapore recently opened more vaccinated travel lanes (VTLs) — to Vietnam and Greece, as well as more cities in Malaysia, Indonesia and India. Quarantine-free air travel to about 32 countries becomes possible again, which also means that travel insurance is now relevant again.

It’s actually more important than before the COVID-19 pandemic as these days, the most likely mishaps to happen are related to COVID-19, whether they be an infection or a trip cancellation.

While not all travel insurers cover COVID-19, a handful provide decent coverage, to varying extents. Fret not if you’re planning a trip soon and are unsure of how to choose, what to look out for, or trying to find the cheapest travel insurance with COVID-19 coverage, we’re giving you a hand in picking a suitable plan with sufficient coverage. You can even tap on the MoneySmart comparison tool to compare the different travel insurance options available for your travels.

How Much Does It Cost To Travel Now?

Before we dive into the details, here is a short clip that breaks down the cost to travel around in this new Covid-19 climate with the opening of many Vaccinated Travel Lanes (VTL).

What Should I Look Out For In A Travel Insurance Plan?

Are you deciding whether to get COVID-19 coverage as an add-on benefit to an existing insurance plan which you’ve already bought, or to get a totally brand new travel insurance package that is inclusive of COVID-19 coverage? This really depends on your preference, who you may be travelling with and what your current travel insurance company provides. 

If you’re travelling with family members, then family travel insurance with COVID-19 coverage is definitely more apt. For those who are more particular about price range, the more affordable packages would probably be more suitable, and those who have pre-existing conditions would probably take up plans that cost slightly more or a lot more to provide that extra coverage for their health conditions in case of any emergencies. 

Whatever needs you have for your travel insurance, there’s bound to be an increase of premiums due to the additional COVID-19 coverage benefits. So we’ve done the legwork for you in finding out which travel insurers are best known for which specific type of COVID-19 coverage.

Best COVID-19 Coverage For Travel Insurance

Compare the best travel insurance in singapore at moneysmart..

Plus, enjoy exclusive promotions and discounted offers for selected providers.

Best Covid-19 Travel Insurance Plans

FWD Travel Insurance

Starr Travel Insurance

Allianz Travel Comprehensive Silver

With one of the best medical coverage in the market, Allianz Travel Insurance Singapore offers coverage for up to $1,000,000 in COVID-19 medical expenses incurred during/after your trip. You can choose from its Comprehensive Bronze, Comprehensive Silver and Comprehensive Platinum plans that are suited for single trips or annual multi-trips, and enjoy many of its complimentary benefits such as 24/7 Emergency Medical Assistance service.

If you are into sporting activities when travelling, getting either the Allianz’s Silver or Platinum plan may be helpful as each plan includes search and rescue coverage of up to $10,000 for sport activities like trekking and diving, as well as Passport and ID card protection and money cover.

MSIG TravelEasy Premier

Those who are looking for travel insurance coverage for pre-existing conditions in Singapore will realise that only a handful of insurers in Singapore provide such a service and MSIG is one of them. MSIG TravelEasy® Standard, Elite, and Premier plans include COVID-19 travel insurance coverage, overseas and post-trip medical expenses, extreme sports coverage, replacement of traveller coverage, coverage for insolvency of licensed travel operator, emergency medical evacuation, delayed departure and more.

If you have any pre-existing conditions and would like to travel, you may like to tap on its TravelEasy Pre-Ex® benefits which are provided as an add-on option, and get in-patient hospitalisation expenses overseas coverage of up to $150,000 that allows you to claim for medical, surgical, nursing or hospital charges, as well as up to $200,000 of emergency medical evacuation and repatriation coverage, and other benefits.

Bubblegum Travel Insurance

Complete guide on the best travel insurance (by destination).

Best Malaysia Covid Travel Insurance

Best Thailand Covid Travel Insurance

Best Bali Covid Travel Insurance

Best Japan Covid Travel Insurance

Best Australia Covid Travel Insurance

Best Korea Travel Insurance

How To Choose And Buy Travel Insurance With COVID-19 Coverage?

When selecting travel insurance plans for your holiday or business trips, it's important to consider additional factors beyond the standard coverage, especially in the context of current health concerns. For those who haven't purchased a plan yet, you have the option to buy COVID-19 coverage as an add-on to an existing policy or to select a new plan that includes these benefits, tailored to your individual needs and preferences. Here are a few steps to help you get going:

Check the visa requirements and vaccination documents needed

As most travellers who are travelling abroad and returning to Singapore are advised to be vaccinated and to purchase travel insurance with COVID-19 coverage, you need to be sure of your vaccination status and the specific prevailing entry and on-arrival or pre-arrival PCR or ART tests requirements of the country you’re travelling to.

Some countries may still include a requirement for you to be vaccinated before embarking on your trip. This will affect the travel insurance benefits you’ll receive as some travel insurers will not provide any cover if you’re refused entry to any location, just because you didn’t do your homework and check the destination’s entry requirements.

Be sure of any pre-existing conditions

There are only a few travel insurers out there who will cover you for claims relating to your pre-existing medical conditions such as pregnancy, injuries or illnesses sustained during the trip, this include COVID-19 related situations that may impact your pre-existing condition.

So for whatever pre-existing medical condition you have, you’ll have to look for a travel insurance plan with COVID-19 coverage which will give you in-patient hospitalisation expenses overseas coverage that allows you to claim for medical, surgical, nursing or hospital charges, emergency medical evacuation and repatriation coverage.

Check overall coverage including COVID-19 extension

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for claims like COVID-19 related 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.

Consider 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.

Think about the trip duration

If you’re going for a short trip, then the single trip travel insurance plans will probably be more suitable. On the other hand, 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 may be better for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

For more tips on how to choose the best travel insurance plans for you and your travel companions, you can read about the best COVID-19 coverage travel insurance plans on our blog.

Buy Travel Insurance Below $15

[GIVEAWAY | MoneySmart Exclusive]     • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • 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.   New to Tiq? Get FREE Travel Insurance  (worth S$30) from Tiq. T&Cs apply.

FWD Premium

[GIVEAWAY | MoneySmart Exclusive]     • Enjoy 25% 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.     Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards: • Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more! 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 .

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.    Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards: • Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more! 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 Basic

[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.

  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.     Don't let flight delays ruin your experience, enjoy free lounge access with Zurich Travel Insurance Essential or Prestige plans.

VTL countries

• Get covered with travel insurance that has a minimum coverage of S$30,000 for COVID-19-related medical treatment and hospitalisation costs in Singapore, prior to travelling to Singapore
• Been issued with a Vaccinated Travel Pass (Air)
• Get fully vaccinated, and have an accepted proof of vaccination
• Travelled to only one or more of the VTL countries/regions, and/or Singapore, in the last 14 consecutive days before departing for Singapore
• Undergo a COVID-19 Polymerase Chain Reaction (PCR) test or Antigen Rapid Test (ART) within 48 hours before departure for Singapore (excluding children aged 2), at an internationally accredited or recognised laboratory, clinic, or medical facility, and obtain a test result certificate with the following: a negative COVID-19 test result, your name, and at least one other personal information such as your date of birth or passport number, the date and time when the COVID-19 test was taken, and the name of the testing institution that conducted the COVID-19 PCR test for you

Non-VTL countries

• Have a valid approval of entry from the Immigration and Checkpoints Authority of Singapore (ICA) as a short-term visitor, to be allowed to re-enter Singapore on non-VTL flights, but if you’re a Singapore Citizen (SC) or Permanent Resident (PR), you wouldn’t need an entry approval to enter Singapore
• You may enter Singapore by default via the Returning Singapore Citizen and Permanent Resident Lane, which is a non-VTL arrangement where prevailing measures such as Stay Home Notice (SHN) may apply if recent travel history includes non-Category (I) countries/regions
• Serve a seven-day at your place of residence/self-sourced hotel/serviced apartment as a non-VTL traveller with a 7-day travel history to ICA’s list of Category II/III/IV countries/regions, and at the end of your SHN period, you’ll need to take a COVID-19 PCR test
• Be exempted from pre-departure testing requirements but will still be subjected to all other prevailing border measures if you’re not fully vaccinated and recently recovered (i.e. within 14 to 90 days of your last COVID-19 infection)

What Does COVID-19 Travel Insurance Coverage Include?

Additional COVID-19 coverage benefits vary from insurer to insurer, but the primary aspects of coverage will often feature:

Overseas COVID-19 diagnosis quarantine allowance

A form of cash benefit you’ll receive for each consecutive day (up to 14 days) when you get quarantined overseas as a result of being diagnosed with COVID-19.

Overseas hospital cash due to COVID-19

Another type of cash benefit for each day (up to 14 days) in the situation whereby you are hospitalised overseas as a result of being diagnosed with COVID-19.

Medical coverage due to COVID-19

Coverage to help you cope with high medical costs in the event that you’re diagnosed with COVID-19 whilst on your overseas trip.

Coverage for trip cancellation/postponement due to COVID-19

If you or your immediate family member, or your travelling companion gets diagnosed with COVID-19, and it resulted in your trip being curtailed or disrupted or cancelled or postponed, you’ll be able to claim up to a certain amount, depending on the type of plan you purchased. For some travel insurance, an excess of a certain amount applies

Emergency medical evacuation and repatriation

You’ll be able to claim for emergency transportation allowance to a medical facility for treatment, when diagnosed with COVID-19 and/or sustained a serious injury due to COVID-19 while abroad.

What Are Not Included in COVID-19 Travel Insurance Coverage?

The general exclusions for most travel insurance plans with COVID-19 coverage are quite similar to plans without COVID-19 coverage prior to the pandemic, which include the following (but is not limited to):

Pre-Existing conditions

Most travel insurers do not cover pre-existing conditions such as pregnancy, heart problems, injury, etc, which you already have, and on top of that, you contracted COVID-19 during your trip, which may complicate your pre-existing condition.

Replacement of traveler or employee

Very few travel insurance plans offer claimable benefits for costs incurred for change of traveller due to you or insured person not being able to travel for the trip as a result of COVID-19 prior or during the trip.

Extreme sports / sports played in a professional or competitive capacity

Any form of sports which involves a high level of danger, specialised expertise, with highly specialised gear or stunts, such as big wave surfing, winter activities like luging, bobsleighing, skiing, snowboarding, canoeing down rapids, cliff jumping, horse riding, etc.

Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)

Conditions that threaten your safety as a traveller, which the government or public authority has officially warned travellers about, such as air, water, or other pollution, including thermal, biological, and nuclear pollution contamination, civil disorder or unrest, declared or undeclared acts of war, vice versa.

Illegal activities resulting in a conviction

Smuggling of drugs, human trafficking, manslaughter or other types of crimes

What Is The Average Cost Of A COVID-19 Travel Insurance Coverage?

To get you started, let’s use an example to illustrate (using MoneySmart’s round-up of the 6 best travel insurance plans with COVID-19 coverage in Singapore). Assuming that you’re planning to go for a 15-day holiday trip to America with your friends, and you’re getting a single trip insurance plan for yourself as you don’t really travel very often in a year.

As you compare across the 6 travel insurers’ benefits and premiums, the average cost of a travel insurance plan with COVID-19 coverage is about $122.

Estimated average cost of a travel insurance plan:

$67 + $67 + $172 + $116.35 + $161 + $148.80 = $732.15

$732.15 ÷ 6 = $122.03

So, if you’re looking at more cost-efficient options, Bubblegum, FWD, and Allianz may be more suitable. Moreover, the medical expenses coverage by Allianz is quite extensive with a hefty maximum limit of $1,000,000, the highest among the 6 providers. That’s if you’re looking for comprehensive coverage for medical expenses in the situation that you get diagnosed with COVID-19.

As for claiming benefits for trip cancellation if you’re down with COVID-19, Allianz, AIG and Income will provide higher coverage of up to $15,000 and $5,000 respectively for you.

Frequently Asked Questions

Is covid-19 coverage compulsory for my travel insurance if i want to travel, i am fully vaccinated, so am i eligible to travel to any country without serving a quarantine period, what are the benefits of having travel insurance with covid-19 coverage, what is a vtp and do i have to get it to travel, how long will it take for a vtp application to be processed, is there a limit to the number of times i can apply for a vtp, where can i get covid-19 coverage for my travel insurance, i will be travelling from singapore to a vtl country/region and will be back in less than 7 consecutive days. am i eligible to return to singapore on a vtl flight, can i use the vtp to transit/transfer through singapore, what tests do i have to take to travel on a vtl flight, besides a vtp, is there anything else i need to submit, can i enter indonesia if my passport expires 6 months before my trip, related links.

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7 Best Travel Insurance in Singapore for Different Needs (2023)

• April 26, 2023

Around 150,000 people go through Changi Airport daily, and as common as people taking trips are, so do cases of flight delays, trip cancellations, and more. So, before heading to your dream destination, ensure you’re covered by travel insurance. 

Depending on your plan, travel insurance providers can give you protection on your trips. Basic travel insurance is enough to keep you from experiencing certain hassles, such as losing baggage, but upgrading is all the better. 

Since not all travel insurance is cut from the same cloth, comparing their plans is crucial to get the most protection abroad. This guide comprehensively compares the best travel insurance in Singapore to make decision-making easier for you.

Top Travel Insurance in Singapore

Singapore’s top travel insurance companies are FWD, Direct Asia, Bubblegum, Allianz, Singlife, Tiq, and MSIG travel insurance. The following sections will show how they compare against each other:

At a Glance

*Premium plan prices depend on whether you take the annual or single trip policy, the number of travelers, the destination, and the date of the trip

So, which is the best? It’s difficult to determine a single “best” travel insurance option as it ultimately depends on the individual’s specific needs and preferences. 

However, among the 7 options mentioned, Singlife Travel Insurance offers the highest medical coverage of S$2,000,000 and unique frequent flyer points protection. FWD Travel Insurance is also an excellent choice for those looking for affordable high medical coverage and COVID-19 protection. 

Ultimately, it’s important to carefully review and compare the different plans to choose one that meets your specific travel needs and budget. Take a look at the detailed features of each insurance below. 

1. FWD Travel Insurance – High Medical Coverage

Who should get this: For single or annual-trip travelers

With FWD Travel Insurance, travelers no longer have to worry about what happens during their trip. Buying this from your insurance provider automatically protects you from a wide variety of circumstances, such as theft or damage to personal belongings, travel delays, and other travel inconveniences, among others. 

The FWD travel insurance is even appealing because of its high medical coverage. If you get sick abroad, you won’t have to take out cash from your pocket. Their plans can insure around S$200,000 to S$1,000,000 for adults below 70. 

On a different note, paying for this insurance is sweat-free. Purchasing your policy can be done via PayNow, Grabpay, and other payment modes. Meanwhile, claiming your medical benefits is cashless for your convenience. That said, if you find yourself in a difficult circumstance requiring help from your travel insurance provider, you’ll instantly receive your much-needed assistance overseas.

• Travel delay
• Baggage delay
• Trip cancellation
• Overseas medical coverage 
• COVID-19 medical expenses
• Fraudulent personal credit card usage
• Theft of or damage to personal belongings
• Automatic travel insurance cover extension
• Liability for harm or damage you accidentally cause
• Loss of passport, travel documents & theft of money
• Payment of rental car excess if you have an accident
• Death or permanent disability caused by an accident that occurred while overseas

Premium: Purchasing FWD Travel Insurance premium plan costs around S$21.75 per week, but this will change depending on the coverage you choose, the add-ons, and other factors.

Promo: Unlock a 50% discount on your next life insurance when you purchase a travel plan with FWD Travel Insurance. Valid till April 30, 2023. T&Cs apply .

2. Direct Asia Travel Insurance – Group Coverage

Who should get this: For individual, family, and group travelers

Direct Asia Travel Insurance tailors plans that are best suited for single and annual trip plans for travelers. If you’re traveling with kids, they’ll get the same comprehensive coverage as adults to ensure they’re fully protected overseas. Families who love going abroad can greatly benefit from the travel insurance plans of Direct Asia, thanks to this perk.

Aside from providing medical and airport-related benefits, you can also get additional coverage, such as for sports equipment, extreme sports and activities, and travel insurance with Covid-19. If your helper or maid goes along with your family, they can also be included in the family plan. 

Regarding medical expenses incurred abroad, the insured can either claim S$200,000, S$500,000, or S$1,000,000, depending on the insurance plan purchased. The amounts will also vary when it comes to other categories, such as travel delays, cancellations, and more.

• Sports equipment
• Rental car excess
• Extreme sports & activities
• Delayed personal possession
• Trip cancellation and curtailment
• Medical expenses while overseas
• Loss or damage to personal belongings

Premium: Direct Asia Travel Insurance’s premium plan is around S$40.25. Get a quote to get the exact cost based on your itinerary.

3. Bubblegum Travel Insurance – Overseas Medical Expenses

Who should get this: For travelers looking for a value-for-money travel insurance

You don’t have to pay loads in order to get your hands on travel insurance with extensive coverage. Bubblegum Travel Insurance lets you go on your trip with peace of mind without emptying your pockets. By far and large, this travel insurance provider is one of the cheapest in the travel industry market, but certainly not low quality in their service and benefits. 

With their affordable plans, you can claim benefits on events where overseas medical expenses, personal accidents, Covid-19, travel delays, baggage loss, theft, and etc., occur. If you’re traveling in Asia-Pacific for seven days, every individual can be covered for just S$4 a day.

Claiming benefits are also fuss-free, making Bubblegum travel insurance one of the most sought-out by frequent travelers . Purchasing their plans is made easy, too. Explore, purchase, and manage their travel policies and other products by installing their Bubblegum app today.

• Personal liability
• Covid-19 coverage
• Damaged baggage
• Adventurous activities
• Travel delay coverage
• Overseas hospital cash
• Travel & baggage delays
• Mobile phone loss/damage
• Overseas medical expenses
• Emergency medical evacuation

Premium: Bubblegum Travel Insurance is a lot cheaper compared to the average price of other travel insurance policies. Pay as low as S$20.63 for a premium plan or lower or higher than that, depending on your destination country and other factors. 

4. Allianz Travel Insurance – High Medical Coverage

Who should get this: For single and annual trip travelers

Allianz Travel Insurance covers you whether you’re off for a leisure or business trip. Over the years, they have protected over 55 million individuals from the unpredictable. With their comprehensive packages, you, too, can travel without worrying about trip delays, etc. 

For emergency medical expenses incurred overseas, Allianz can reimburse you up to S$50,000. For travel delays, you’ll also get S$800, with a daily limit of S$200. Other categories included in your plan will also have their corresponding amounts, which will be reimbursed if you ever experience those scenarios. 

Notably, getting the basic Allianz Travel Insurance plan can provide you with entry-level protection. However, upgrading it to premium unlocks various perks and provides you a travel plan that has wider coverage. If you are staying in your destination country for a long period, you never know what’s going to happen. Hence, going for premium plans is highly suggested. 

• Trip interruption
• Epidemic coverage
• Emergency medical
• Trip change protector
• Baggage loss/damage
• OneTrip rental car protector
• Pre-Existing medical condition
• Emergency medical transportation

Premium: A premium travel policy from Allianz can be around S$73.45. This is subject to change depending on your country of destination, length of stay, number of travelers, and more.

Promo: Get 40% off all policies when you use promo code TRAVEL40 and purchase one of their travel plans today!

5. Singlife Travel Insurance –Frequent Flyer Points Protection

Who should get this: Travelers who need more coverage and add-ons for their travel insurance plan

Signing up for any Singlife with Aviva travel insurance plans will allow you to accumulate your miles and eventually earn a free flight to the country of your choice. Plus, whether you’re looking for a single or an annual travel insurance policy, Singlife got you covered. 

Regardless if you experience flight delays, trip cancellations, loss of baggage, and other unexpected events during your trip, you’ll be refunded accordingly. Should medical expenses be incurred abroad, you’ll get unlimited funds if you go for their premium plan. This is helpful, especially if the cost of medical services in that specific country is blatantly expensive.

A rainfall protection coverage can also be included. This is ideal if you’re traveling during the rainy season. You’re set to get S$150 if your trip is affected by excessive rainfall. You can also opt for trip cancellation for any reason, although this may affect the regular price of the plan. 

• Loss of baggage
• Rainfall protection
• COVID-19 coverage
• Rental vehicle excess
• Loss of frequent flyer points
• Accidental death & disability
• Trip cancellation for any reason
• Unauthorized use of credit card
• Trip interruption – Change of trip itinerary
• Change of traveling date or time for any reason

Premium: To get the most coverage you need during your vacation, purchasing the Top-shelf Plan will only cost you S$78.68. Any add-ons included in the plan and the itinerary of your trip may change the price.

Promo: Get 25% off Singlife travel insurance single trip plans. You can also enjoy a 30% discount off your travel policy quote if your immediate family member is active in a MINDEF & MHA Group Term Life / Group Personal Injury policy or POGIS Group Term Life policy with Singlife.

6. Tiq Travel Insurance – Pre-existing Medical Conditions

Who should get this: For overseas and cruise travelers

Tiq Travel Insurance was rated number 1 by Seedly in 2021. It’s no surprise since their policies are comprehensive and reasonably affordable for travelers. Their Covid-19 coverage can be included as an add-on to your plan and many others to guarantee a well-protected overseas trip. It’s wise to include this benefit, more so when you’re traveling to a country with high cases of Covid. 

Tiq also covers cruise travel as well as pre-existing medical conditions, which may not be available in other travel insurance companies. In case you get sick abroad, all the medical expenses incurred will be reimbursed for up to S$1,000,000. Of course, coverages and their amounts will vary according to your chosen plan. 

More value-added services can be enjoyed when you sign up for an insurance policy with Tiq. You’ll be refunded in full if you need to cancel your insurance. You’d also get paid upon a 3-hour flight delay even without submitting your claim.

• Personal accident
• Acts of terrorism cover
• Travel curtailment & disruption
• Overseas hospital cash allowance
• Trip cancellation and loss of deposit
• Medical expenses incurred overseas

Premium: Tiq has three types of plans you can choose from, which are Entry, Savvy, and Luxury. Going for the premium policy only costs S$39 per week, which is affordable considering their comprehensive travel plans. 

Promo: Use promo code TRAVEL40 to enjoy 60% off your travel insurance annual plan with a Covid-19 add-on or 40% off on single-trip plans. 

You can also refer a friend and earn up to S$50 per referral today!

7. MSIG Travel Insurance – Overseas Medical Expenses

If you’re looking for a travel plan where you can enjoy over 50 benefits, MSIG Travel Insurance is the way to go. When you travel abroad, especially to a country far away from home, a lot of unexpected events could happen. This could include trip interruptions, delays, lost items, baggage, or passport, and more. 

Hence, whether you’re going for a single or annual trip, MSIG can take away your worries as you travel abroad. Not only do they have the basic coverages, but you can also have Covid-19 protection and overseas medical expenses worth up to S$250,000 when you choose their travel insurance premiums. 

MSIG also has several highlights added to their travel plans. In case an insured traveler isn’t able to go through, they’ll pay for the charges incurred. Purchasing their plans is easy since you can buy them online, plus receiving your insurance immediately is always possible with this company. 

• Covid-19 cover
• Personal liability 
• Travel disruption
• Travel postponement
• Replacement of traveler
• Personal accident cover
• Automatic extension of cover
• Overseas quarantine allowance
• Emergency medical evacuation and repatriation

Premium: Depending on your itinerary, the MSIG premium travel plan may be around S$61 or more. Get a quote now to find out how much it costs!

Promo: Get a 40%discount on single trips and 20% off on annual trips when you buy a travel insurance plan online. Valid till April 30, 2023. T&Cs apply .

See Also: Best Airmiles Credit Card Singapore and Type of Insurance Singapore

Frequently Asked Questions

1. what is the best company to get travel insurance.

Some of the best companies to get travel insurance are FWD, Direct Asia, Bubblegum, Allianz, Singlife, Tiq, and MSIG. You get the most out of your dollar when you purchase their products. 

Their coverages are also available in three plans, so you can choose a policy best suited for your needs according to your budget. However, you must remember that the more expensive the plan is, the more extensive your protection will be. 

In case your travel policy needs more coverage, you can certainly include their available add-ons, such as the following:

• Sports cover

Another thing that makes these companies stand out among others is their high customer satisfaction ratings. For some, purchasing a policy is easy, while claiming it undergoes rigorous and often lengthy processes. 

However, it’s not the case with these travel insurance companies. Some of them allow you to have a cashless or paperless claim!

2. Which Travel Company Is Best for International Travel Insurance?

Allianz would be a great pick for international travel insurance considering its plethora of policy options for single and annual-trip travelers. Their travel insurance plans cater to professionals going for a business trip or individuals off for a holiday. 

You can also get you and your family members or group covered in their extensive lists of benefits. 

Check the list below to know all their available plans for you:

• AllTrips Basic – For medical emergency protection without cancellation benefits
• AllTrips Prime – A year’s worth of protection against trip cancellations, trip interruption, lost baggage, and more.
• OneTrip Basic – Limited post-departure benefits with trip cancellation and interruption coverage
• OneTrip Prim e – The most popular plan. Comes with expanded coverage with free insurance for children 17 and under
• AllTrips Premier – An entire year of worldwide protection, plus concierge service, your whole household is also insured whether traveling together or separately. 
• OneTrip Premier – Includes all benefits from OneTrip Prime, but with double post-departure benefits and more reasons for trip cancellations. 
• AllTips Executive – Includes more reasons for trip cancellations and interruption limits, lost or stolen baggage benefits, and business equipment rental coverage. 
• OneTrip Cancellation Plus – For domestic travelers who want trip interruption and cancellation benefits but don’t need post-departure coverage. 
• OneTrip Emergency Medical – Covers emergency medical expenses, trip delays, and lost luggage without trip cancellation or interruption benefits. 

3. Is Axa Travel Insurance Reliable?

Yes, Axa Travel Insurance is a legitimate travel insurance provider. This company was founded in the 19th century, starting on property and casualty insurance. Many years later, the brand changed until it became what they’re now known as AXA. 

You can get a quote on their latest travel insurance policies by visiting their website and by inputting the required information in the quote box. They have Silver, Gold, and Platinum plans, which all have to be purchased within 14 days after making your initial trip deposit. 

If you have pre-existing conditions, it’s recommended that you go for the Gold and Platinum policies. 

4. Which Travel Insurance Is Underwritten by Allianz?

Trading as AWP Services Singapore Pte Ltd., the services provided by Allianz travel insurance are underwritten by Tokio Marine Insurance Singapore Ltd. This global general insurance company in Asia aims to provide the highest quality of services and products served with integrity by being fair and ethical.

Going for an overseas trip requires travel insurance just in case you experience travel delays, damaged baggage, lost passports, or even medical emergencies. When you’re insured, you won’t have to spend a dime on any travel-related issues, provided these are part of your plan coverage.

Key takeaways

• Travel insurance protects you from unwanted financial liabilities before, during, or after your trips. 
• Different travel insurance plans come in different types and varying levels of pricing and coverage benefits.
• Having add-ons on your travel insurance policy can affect the price. Trip cancellation for any reason may also increase the cost by up to 50%.
• The main categories of travel insurance include travel delays, trip cancellations, medical expenses, personal effects coverage, and accidental death or flight accident benefits. 
• When choosing the right travel insurance, identify the coverage you need. Go through the benefits of each insurance plan and pit them against your budget and other factors. 

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6 best travel insurance plans in singapore (aug 2024).

On my very first overseas trip without my parents, the airline lost my luggage for almost 24 hours.

I was headed to Madrid, Spain, and had a layover in Zurich, Switzerland. It was there (probably while I was drooling over gourmet Swiss chocolates in the airport) that my luggage somehow got left behind.

It caught up to me the next day, magically appearing at the reception area of my accommodation in Spain. Given the length of time that had elapsed, many people I later recounted this story to asked me, “did you get compensation from your insurance?”

Then 19-year-old me knew enough about the world to get travel insurance , but didn’t know enough to realise you need to submit a claim in order to get compensation for delayed luggage. So no—sadly, I didn’t get a cent.

But that’s just my story of travel mishaps. All things considered, there are plenty of ways a vacation could go awry. Delayed luggage could end up being completely lost luggage. And that’s before we consider  flight delays , falling ill overseas, getting pickpocketed, and more.

That’s why travel insurance is the next most important thing besides your flight ticket. Find out how to choose a plan, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance in Singapore and their ongoing promotions.

Best Travel Insurance in Singapore (2024)

Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

FWD travel insurance

Starr travel insurance

MSIG travel insurance

Singlife travel insurance

Etiqa travel insurance

Cheapest travel insurance in Singapore

1. Best travel insurance in Singapore

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation—we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans in Singapore . So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

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2. Bubblegum travel insurance

Bubblegum travel insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

10% Off Total Premium S$52.05

MoneySmart Exclusive

Most fuss-free plan

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Personal Baggage

Total Premium Total Premium S$52.05 10% Off

MoneySmart Exclusive:

[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.

Valid until 31 Aug 2024

Apply Now Apply directly on MoneySmart

More Details

Key Features

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.

See all plan details 

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you cash rewards when you purchase their travel insurance:

S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.

Up to S$25 via PayNow with eligible premiums spent

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.

Promotion valid till 31 Aug 2024. T&Cs apply.

3. FWD travel insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

Trip disruption

Trip cancellation

Overseas hospital cash

Hospital cash while in Singapore

Medical expenses

Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

You contracting COVID-19; or

You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

25% Off Total Premium S$63.07

Cancel for any reason add-on available

Loss/Damage of Baggage

Total Premium Total Premium S$63.07 25% Off

[GIVEAWAY | MoneySmart Exclusive]     • Enjoy 25% 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.     Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards: • Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more! 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 .

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers– FWD Premium , FWD Business , and  FWD First . That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive over S$65 worth of rewards:

Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards:

Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more.

S$100 Revolut cash reward when you are the 8th and 88th person to sign up for a Revolut Account each week.

Valid till 31 Aug 2024.

4. Starr travel insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 2 tiers: Gold  and  Silver . The  Silver tier affords you an adequate $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in  Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Silver costs just $34 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Silver plan does cover you for $500,000 worth of overseas medical expenses, it doesn’t cover you at all for trip cancellation and loss/damage of baggage.

Starr travel insurance promotion

35% Off Total Premium S$73.32

Best Value Plan

Starr TraveLead Comprehensive Silver

Med. Coverage (Overseas) Follow-up Medical Treatment Follow-up Medical Treatment is applicable when the first treatment was sought outside Singapore by a doctor as defined under the policy

Total Premium Total Premium S$73.32 35% Off

[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.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 35% discount promotion on Starr travel insurance, prices are quite affordable. Coverage for a week-long ASEAN trip is just $42 (about $6 a day), while a trip of the same duration to countries like USA costs $60 (under $9 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

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 .

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.

5. MSIG travel insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

Area A : Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand and Vietnam.

Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Macau, New Zealand, Sri Lanka, Taiwan, and all those in Area A.

Area C : Worldwide, including territories in Areas A and B.

MSIG travel insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers coverage such as trip cancellation, overseas medical expenses, and overseas quarantine daily cash allowance, but excludes daily hospital cash allowance.

MSIG travel insurance promotion

55% Off Total Premium S$68

Most Comprehensive

MSIG TravelEasy Standard

Total Premium Total Premium S$68 55% Off

[GIVEAWAY | FLASH SALE | Receive your cash as fast as 30 days*]      • For a limited time only, enjoy up to 55% 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.      Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards: •  Apple Macbook Pro 13-inch, 256GB (worth S$1,899) and more! 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 .

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

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)

Now is a great time to purchase travel insurance from MSIG—premiums are going at 55% off! And that’s not all. You can also get over  S$110 worth of rewards:

S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon  and  Eskimo Global 1GB eSIM  (worth S$9.50) with  every policy purchased .

Up to S$45  via PayNow or  1 x Apple AirTag  (worth S$45.40) with eligible premiums spent.

On top of that, score over S$5,900 worth of Apple Gadgets and gifts :

Apple Macbook Pro 13-inch, 256GB  (worth S$1,899) and more.

S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.

6. Singlife travel insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

While Singlife travel insurance’s coverage is quite comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason.

Singlife travel insurance promotion

25% Off Total Premium S$66.68

Free Trip Cancellation

Singlife Travel Plus

Total Premium Total Premium S$66.68 25% Off

[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.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon  and  Eskimo Global 1GB eSIM  (worth S$9.50) with  every policy purchased.

Up to S$30  via PayNow with  eligible premiums spent .

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.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

40% Off Total Premium S$62

Most efficient claims for flight delay

Travel Cancelation

Total Premium Total Premium S$62 40% Off

[GIVEAWAY | MoneySmart Exclusive]     • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • 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.   New to Tiq? Get FREE Travel Insurance  (worth S$30) from Tiq. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On  (from $18/week) to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Etiqa travel insurance promotion

40% Off Total Premium S$42

Total Premium Total Premium S$42 40% Off

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Take  40% off  your Tiq Single Trip policy premiums and  80% off  COVID-19 add-ons for Annual Plans. On top of that, enjoy these goodies!

S$30 Revolut cash reward   with every policy purchased.

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.

New to Tiq?  Get  FREE travel insurance  (worth S$30) from Tiq with the promo code  FREETRAVEL .

Valid till 31 Aug 2024. T&Cs apply.

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… Zurich travel insurance .

10% Off Total Premium S$36.11

Covers Covid-19 and Adventurous Activities

Zurich Travel Insurance Basic

Loss/Damage of Baggage * Overall Limit

Total Premium Total Premium S$36.11 10% Off

[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.

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.     Don't let flight delays ruin your experience, enjoy free lounge access with Zurich Travel Insurance Essential or Prestige plans.

Covers adventurous activities and S$200,000 for terrorism.

Covers up to S$100,000 for accidental death and permanent disablement and S$500,000 for personal liability.

Covers up to S$50,000 for overseas medical expenses incurred during your trip.

Complimentary Covid-19 coverage up to S$50,000 for overseas medical expenses due to Covid-19. Protecting you against unexpected expenses and disruptions caused by the pandemic.

Enjoy 24/7 worldwide emergency travel assistance for medical emergencies, lost documents, or travel guidance.

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because Zurich travel insurance  may be the cheapest option, but its medical coverage is shockingly low. The lowest tier plan,  Zurich Travel Insurance Basic , only comes with $50,000 of overseas medical coverage. I have never seen any plan with lower coverage for this category!

Zurich Travel Insurance Prestige maxes out their medical coverage at a $250,000 . You don’t need to do a lot of research to realise that this is pretty dismal for a plan that will cost you $51 for a 7-day ASEA trip.

Let’s just look at the next cheapest travel insurance for comparison. FWD Premium, FWD’s lowest tier travel insurance plan, costs $33 for $200,000 overseas medical coverage. FWD First comes with a whopping $1,000,000  overseas medical coverage for $57 .

25% Off Total Premium S$35.35

FWD Premium

Total Premium Total Premium S$35.35 25% Off

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Zurich travel insurance’s other components, such as trip cancellation coverage and coverage for lost or damaged baggage, are better. But its lacking medical coverage is a big turn-off for me. So I would only recommend you consider Zurich if you’re more interested in non-medical coverage.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

What about the discounted prices?

Travel insurers have “limited-time” discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool  with the “Lowest Price” filter on. You’re welcome!

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

The post 6 Best Travel Insurance Plans in Singapore (Aug 2024) appeared first on the MoneySmart blog .

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The post 6 Best Travel Insurance Plans in Singapore (Aug 2024) appeared first on MoneySmart Blog .

Original article: 6 Best Travel Insurance Plans in Singapore (Aug 2024) .

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• Up next Advertisement

• Cars & Cars

Bubblegum Insurance from MoneySmart

• Thread starter killingprod
• Start date Oct 4, 2022

More options

Killingprod, junior member.

• Oct 4, 2022

looks cheap indeed but the insurance company really nv heard of. Does not have option to adjust excess also? Can check out Allianz, recently found their terms attractive with the price and 10% off.  

fake_oranges

Bubblegum insurance? wanna claim they will disappear bo?  

hammerheadshark

• Oct 5, 2022

Seah.tt said: looks cheap indeed but the insurance company really nv heard of. Does not have option to adjust excess also? Can check out Allianz, recently found their terms attractive with the price and 10% off. Click to expand...

High Supremacy Member

BubbleGum is using India International Insurance ( III ) as an underwriter. I compare my own III car insurance price quote and it is even lower than what they offered.  

Senior Member

hammerheadshark said: Allianz not bad. their prices quite attractive. Click to expand...

funky05 said: Price attractive... But service? Heheheheh Click to expand...

• Oct 6, 2022

hammerheadshark said: U so dying to claim insurance ah? Click to expand...

Pandamoves123

Hi all, I actually work at Bubblegum and would love to answer any questions you might have!  

• Bubblegum is a new brand in town that was created by MoneySmart Group to be a customer-first Insurance experience that is 100% completely digital
• We worked on creating the best value insurance products that provide great coverage at an excellent price
• As our number 1 priority is customer satisfaction, we actually have a 24/7 dedicated claims teams for any and all car insurance claims! Not only do we walk our customers through the claims process, but we also provide mobile reporting, towing services, and other services related to accidents
• How are we so price competitive? Since we are 100% digital, we are able to save a lot of money on processing and administration expenses that we then pass on to our customers.
• Jun 30, 2023

@Pandamoves123 what does it mean to be underwritten by India International Insurance? I previously purchased a travel policy from Starr - which underwrites Bubblegum's travel policy - and I had a poor experience with Starr. Obviously III and Starr are not the same (I hope), but how does the underwriter affect the claims experience of Bubblegum?  

battledome64

Master member.

• Jul 2, 2023

Pandamoves123 said: A few quick points on Bubblegum and Bubblegum Car Insurance: Bubblegum is a new brand in town that was created by MoneySmart Group to be a customer-first Insurance experience that is 100% completely digital We worked on creating the best value insurance products that provide great coverage at an excellent price As our number 1 priority is customer satisfaction, we actually have a 24/7 dedicated claims teams for any and all car insurance claims! Not only do we walk our customers through the claims process, but we also provide mobile reporting, towing services, and other services related to accidents How are we so price competitive? Since we are 100% digital, we are able to save a lot of money on processing and administration expenses that we then pass on to our customers. I hope this helps, and please do let me know if you have any questions, comments, or concerns about Bubblegum Click to expand...

Supremacy Member

• Jul 29, 2023

Anyone signed up for this eventually?  

• Jul 31, 2023

Just go for the mainstream insurers for a peace of mind.  

• Aug 7, 2023

Recently renewed by car insurance with Budgetdirect. Sadly Bubblegum quote was not anywhere near Budgetdirect.  

• Aug 14, 2023

As long fit your budget and requirements. Go for it.  

saddams wife

• Aug 24, 2023

Panerex said: Anyone signed up for this eventually? Click to expand...

Arch-Supremacy Member

• Aug 28, 2023

dun worry lah this is sg just get cheapest will do but got a quote they not so cheap leh for conti  

ahboy_ahboy

• Aug 31, 2023

must get comprehensive 1 anot