cheap travel insurance singapore

6 Best Travel Insurance with COVID-19 Coverage in Singapore (Apr 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to buy travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions. Promotions are generous this Apr 2024— you could even win a Rolex Oyster Perpetual , 124200 34mm Silver (worth S$9,000), all-expenses paid trip, or a 2D1N staycation!

Best Travel Insurance in Singapore with COVID-19 Coverage (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
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

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 with COVID-19 coverage 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

[Receive your cash as fast as 30 days*]    • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  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.

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 My Millennium Points and cashback when you purchase Bubblegum travel insurance:

• Get  2,400 My Millennium Points (worth $16) with every policy purchased.
• Plus, get  $15 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $80 to $119.99 OR  $25 Cash via PayNow with a premium of $120 and above.

Promotion valid till 30 Apr 2024.

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 (which is about as high as it gets).

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

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly      Increase your chances of winning when you refer friends  today. 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. That brings the rate for a 7-day ASEAN trip down to $25 to $42, or just $3+ to $6 a day !

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

• Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)

Promotions valid till 7 Apr 2024 (Prizes 2 and 3) / 30 Apr 2024 (Prize 1).

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 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $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. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

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 Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 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 Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. 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 42% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

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, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]    • Enjoy up to 45% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. 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)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive lots of goodies with your MSIG travel insurance purchase:

• Receive  2,400 My Millennium Points (worth $16) with every policy purchased.
• $15 cash via PayNow with a premium of $65 to $119.99
• $25 cash via PayNow with a premium of $120 to $239.99
• $45 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $240 and above .

Promotion valid till 12 Apr 2024.

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.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is 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 and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]    • Enjoy up to 28% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  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 28% off your Singlife travel insurance premiums these goodies thrown in:

• $10 cash via PayNow with a premium of $65 to $129.99
• $20 cash via PayNow with a premium of $130 to $329.99
• $30 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $330 and above .

Promotion valid till 29 Feb 2024.

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’ve 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.

[MoneySmart Exclusive | FLASH SALE]    • Enjoy 45% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. 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 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.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

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

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

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… FWD travel insurance .

FWD Premium

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!

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 FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, 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!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Starr travel insurance .

Starr TraveLead Comprehensive Bronze

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

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

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 !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

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.

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• Best Travel Insurance in Singapore 2024

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

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

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

Looking for the best travel insurance in Singapore?

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

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

Best Value Travel Insurance in Singapore

• Allianz Travel : .

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

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

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

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

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

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

Travel Insurance with the Best Coverage & Benefits

• Allianz Travel: .

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

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

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

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

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

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

Best Travel Insurance for Pre-Existing Medical Conditions

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

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

Cheapest Travel Insurance for ASEAN Destinations

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

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

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

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

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

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

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

Cheapest Travel Insurance for Asia Destinations

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

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

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

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

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

Cheapest Travel Insurance for Global Destinations

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

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

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

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

Best Annual Travel Insurance Plans

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

Cheapest Annual Travel Insurance

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

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

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

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

Best Value Annual Travel Insurance

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

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

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

Why Do I Need Travel Insurance?

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

How to Choose the Best Travel Insurance

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

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

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

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

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

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

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

• Heart Attack
• High Blood Pressure

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

Alternatives to Travel Insurance

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

Methodology

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

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

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

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Our Top Travel Insurance

• Best Travel Insurance Promotions
• Best Annual Travel Insurance
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• Best Travel Insurance for Families & Groups
• Best Travel Insurance for Seniors
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Keep up with our news and analysis.

Stay up to date.

Featured Travel Insurance Companies

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

Travel Insurance Basics

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• Why You Need Travel Insurance
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• Average Cost of a Vacation
• How to Pick the Best Travel Insurance
• Who Should Get Annual Travel Insurance
• Airline Travel Insurance vs. Traditional Travel Insurance
• Travel Insurance and Terrorism Coverage
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• Travel Insurance and Zika Coverage
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• How to Successfully File an Insurance Claim

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• Travel Insurance
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Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

50% off Travel Insurance Plan

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

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

Travel Insurance with Selected Covid-19 Coverage*

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

Travel Insurance Catered to Different Needs

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

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

• Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

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

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

^Terms & Conditions.

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

The promotional code 'flash50'

1. is valid until 28 May 2024

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

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

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

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

Allianz Assistance Singapore

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

Swipe to view more

Designed for essential travel and medical coverages only

From S$ 17.50

Well-balanced coverages for most type of travels

Inclusive of an extensive scope of travel protection

Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

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

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

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

For family trips

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

For frequent travellers

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

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

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

Discover Our Travel News & Tips

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

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

Pre-Travel Checklist for a Worry-Free Trip

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

Understanding Travel Insurance Terms and Exclusions

Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

Travelling to EU Countries with Allianz Travel Singapore

Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

Tips for Planning a Budget-Friendly Travel Adventure

Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

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

Travelling to Australia with Singapore Travel Insurance

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

Single Trip vs Annual Multi-Trip Travel Insurance

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

Annual Travel Insurance for Frequent Flyers

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

How Travel Insurance Saves You Unexpected Medical Expenses

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

The Importance of Travel Insurance Protection

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

Essential Tips for Choosing the Right Travel Insurance Plan

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

What to Expect After Submitting Travel Insurance Claims

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

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

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

e-mail: [email protected]

For customer service

call: +65 6327 2210 

Allianz Travel: How Can We Help?

24 hour emergency assistance.

Best Travel Insurance Plans With COVID-19 Coverage (2024)

"> These travel insurance plans provide coverage for COVID-19 to keep you and your travel mates safe.

Best Travel Insurance With COVID-19 Coverage in Singapore

• AIG Travel Guard® Direct
• Great Eastern TravelSmart Premier
• MSIG TravelEasy
• Tiq Travel Insurance
• Starr TraveLead Travel Insurance
• HLAS CovidSafe Travel Protect360
• FWD Travel Insurance - COVID-19 Rider
• Singlife Travel Insurance
• Allianz Travel Insurance
• Sompo Travel (COVID-19) Insurance
• Allied World Travel Protector

• Overview of travel insurance plans
• TIQ Travel Insurance
• FWD Travel Insurance
• AIG Travel Guard
• Which is the best travel insurance plan for COVID-19 coverage? 
• Importance of buying travel insurance early  
• Find out more about other travel insurance

Overview of Travel Insurance Plans for COVID-19 Coverage

Premium plans are based on a basic tiered single travel insurance for a five-day trip to Thailand (ASEAN Region). The coverage also differs according to different tiered plans. Do note that FWD and TIQ offer COVID-19 coverage in the form of an additional rider; the rest of the providers offer plans with built-in coverage.

1. Starr TraveLead Travel Insurance

If you’re in need of that long-awaited vacation but scared that you might contract COVID-19 abroad, let Starr TraveLead put your mind at ease. With three tiers to choose from — Bronze, Silver and Gold — you have the flexibility of choosing the level of coverage you need. Within each tier of plans, you can also customise your coverage further.

At the Gold tier, you’ll have up to S$65,000 of medical expenses covered if you contract COVID-19. If your trip is cancelled due to the diagnosis of COVID-19, you’ll also get coverage of up to S$500 for the Gold tier.

SingSaver's Starr TraveLead Exclusive Promotion:   Enjoy 58% discount when you use promo code SS58. Valid till 30 June 2024. T&Cs apply. Also receive:

• 4 miles per S$1 spend on your premium. Valid till  1 July 2024. Travel Miles Campaign and Additional 2 Miles Travel Giveaway. T&Cs apply.
• A chance to win up to 500,000 KrisFlyer miles . Valid till 1 July 8:59 am 2024. T&Cs apply.
• Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.

Increase COVID-19 medical expenses coverage and protection against trip cancellations due to COVID-19 when you select either the Gold or Silver plans. T&Cs apply .

2. MSIG TravelEasy

MSIG TravelEasy offers three tiers of plans — Standard, Elite and Premier, with the Premier plan offering the highest coverage.

There are sub-limits for different age groups in terms of COVID-19 medical expenses overseas, with up to S$250,000 coverage if you purchase the Premier plan.

Travel cancellation and postponement are bound to happen if you or a family member is unexpectedly down with COVID-19. Thankfully, MSIG TravelEasy offers up to S$5,000 travel cancellation coverage as a form of reimbursement.

Regardless of the plan type you purchase, you have access to medical and travel assistance services that you may urgently require. Prices start from S$50 as well, ensuring that you receive decent coverage without having to break the bank.

Also receive:

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.

3. FWD Travel Insurance - COVID-19 Rider

Of all the plans listed here, the FWD travel insurance is one of the few that gives you access to COVID-19 benefits only if you add on the COVID-19 rider, while the benefits are all the same regardless of the tier of the travel insurance plan that you choose.

For medical expenses coverage, this plan may not have the highest coverage as it only covers up to S$200,000 for medical expenses if you are hospitalised either overseas or after returning to Singapore. You’ll also get a hospital cash allowance of S$100 per day for up to 14 days if you’re hospitalised overseas or locally due to COVID-19. 

There is also a quarantine benefit of up to S$50 per day, up to 14 days due to COVID-19.

This rider thankfully covers trip cancellation and loss of deposit. You can get up to S$5,000  if you have to cancel your trip within 30 days of the departure date. This also includes close contact cover.

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip and Annual Trip plans! Valid till 26 May 2024. T&Cs apply. Also receive:

4.Tiq Travel Insurance

As the newest addition to the list, Tiq travel insurance is finally offering COVID-19 coverage, albeit as an add-on rider. The rider comes in three tiers — entry, savvy and luxury, based on the coverage tier you opt for.

The highest tier coverage gives you up to S$300,000 medical coverage for COVID-19 incurred overseas, as well as up to S$5,000 coverage for trip cancellation and loss of deposit. If your trip is postponed, you are insured up to S$1,500.

On top of that, there is also a quarantine allowance of up to S$1,500, S$100 for every 24 hours, and up to S$500,000 emergency medical evacuation & repatriation to Singapore. It now also offers coverage for Cruise To Nowhere. For hospitalisation in Singapore after returning back from your trip, you get a payout of up to S$300.

Since the COVID-19 coverage is only available as a rider, you'll just have to top up an affordable amount to enjoy the benefits offered, to grant you a peace of mind for you and your loved ones.

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 45% off . Valid till 22 May 2024.

Annual Trip: Use the promo code TIQSINGSAVER to get 60% off your COVID-19 rider. Valid till 31 May 2024.

Also receive a Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.

5. Seedly Travel Insurance

Seedly Travel Insurance has two types of plans — Safe and Secure, with Secure being the highest tier-ed plan. If you choose the Seedly Travel Secure plam, you'll get up to S$500,000 coverage for overseas medical expenses, including COVID-19. The great thing about this plan is that they also offer coverage if you decide to receive Traditional Chinese Medicine (TCM) treatment, offering u to S$500 per trip, up to S$100 per visit.

Aside from that, this plan is also suited for families with children. Not only does it offer complimentary coverage of up to 4 children when you purchase the Family Plan, but it also offers a Child Support Grant of up to S$30,000, up to S$6,000 per child, and a Child Companion Benefit of up t S$10,000, allowing an adult to fly from Singapore to the destination to accomany the child in the unfortunate event of the insured is injured or hospitalised overseas wile travelling with a child.

1x 3GB Airalo eSIM before you fly with no minimum premium. Valid till 31 May 2024 T&Cs apply.

• Up to $50 worth of Grab Vouchers. Valid till 31 May 2024. T&Cs apply.
• A chance to be 1 of 3 winners of an Apple AirPod Max (worth $813.90). T&Cs apply.  

6. Singlife Travel Insurance

Singlife travel insurance has three plans that you can choose from — Lite, Plus and Prestige. If you’re comparing overseas medical expenses, the Prestige plan covers up to S$200,000, the Plus plan S$100,000 and S$50,000 for the Lite plan if you get COVID-19. For the highest Prestige tier, you have unlimited coverage for emergency medical evacuation and repatriation.

They also provide an overseas quarantine allowance of up to S$100 per day, and up to S$2,000 for the Prestige plan, while the Plus plan offers S$50 per day up to S$1,000. The Lite plan does not offer any coverage.

For any trip cancellation or postponement, the Prestige plan will cover you up to S$7,500, while the Plus plan reimburses you up to S$5,000 and the Lite plan offers S$500.

Singlife also recently rolled out their new rainfall protection that provides a payout of up to S$150 should your trip be affected by excessive rainfall. This is applicable only for single trips (minimum 3 days) where more than 50% of the trip duration is affected by rainfall levels of >6.4mm in a 24-hour period. 

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now . Valid till 31 May 2024. T&Cs apply. Also receive:

7. Allied World Travel Protector

Allied World Travel Insurance offers three tiers of coverage — Classic (Plan 1), Superior (Plan 2) and Premier (Plan 3). While their plans do not have COVID-19 coverage as a default, you can opt for it as a rider.

Their COVID-19 coverage is pretty decent. If you opt for the Premier plan, you'll get up to S$250,000 of coverage for any overseas medical expenses due to COVID-19, up to S$6,000 in claims for any trip cancellation or curtailment due to the infection, and up to S$500,000 coverage for COVID-19-related medical evacuation or repatriation. 

If you are hospitalised overseas, you'll also receive a hospitalisation allowance of S$250 for every 24 hours of hospitalisation. You can claim up to S$1,000 for the Classic Plan, S$1,500 for the Superior Plan and S$2,000 for the Premier Plan. You'll even receive a local hospitalisation allowance of S$100 for every 24 hours in Singapore.

For more information, you can refer to their product brochure .

Singsaver Exclusive Allied World Travel Insurance Promo:   Enjoy a 40% discount for Single Trip and 15% discount for Annual Trip plans when you apply now! Valid till 30 June 2024. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.

8. AIG Travel Guard® Direct

Know why AIG Travel Guard® Direct stands out from the rest? It gives you the most flexibility to choose the kind of coverage you want, as it allows you to choose from the four plans that they provide — Basic, Standard, Enhanced and Supreme.

On top of that, it has the second-highest reimbursement coverage on the list for trip cancellations. If your trip is cancelled, or if you have to return to Singapore earlier due to you or a family member contracting COVID-19, you can get a reimbursement of up to S$7,500. If your trip is altered pre-departure due to you or your relative being diagnosed with COVID-19, you are covered for up to S$1,500 under the Supreme plan.

In terms of overseas medical expenses, you’ll get very decent coverage of up to S$250,000 with the Supreme plan, while the lowest-tier Basic plan covers you for up to S$50,000.

For quarantine orders abroad, you’ll receive an allowance of S$100 a day for up to 14 consecutive days under the Supreme plan and Enhanced plan, and S$50 a day for the Basic and Standard plan.

SingSaver's Exclusive AIG Travel Guard® Direct Promotion:

Single Trip: Get 15% off by using the promo code SSST150FF when you apply NOW! Valid till 31 May 2024. T&Cs apply.

9. Sompo Travel (COVID-19) Insurance

Sompo Travel COVID-19 Insurance offers two plans with different levels of coverage — the Essential Plan offers relatively basic coverage while the Superior Plan provides more comprehensive coverage.

If you get COVID-19, you will be covered up to S$100,000 for any medical expenses abroad, and any overseas quarantine or hospitalisation will get you an allowance of S$50 a day up to 14 days, for the Essential Plan. If you opt for the Superior plan, you'll get medical coverage of up to S$200,000 instead and an overseas hospital allowance of up to S$100 per day.

If your trip has to be cancelled or postponed due to COVID-19, you can get up to S$4,000 reimbursement for the Superior Plan. On top of that, you’ll also be covered up to S$200,000 worth of emergency evacuation and repatriation for COVID-19 if required under the same plan.

What others are saying about this card?

10. Great Eastern TravelSmart Premier

One advantage is that it offers a wider-than-typical range of benefits without the need to purchase add-ons. 

The high personal accident cover and emergency evacuation benefits provide up to S$500,000 in personal accident cover, bumped up to S$1 million thanks to its double indemnity benefit for public transport. This means that if accidental death or disablement should occur arising from the use of public transport overseas, your personal accident payout will be doubled.

GE TravelSmart Premier also shines in medical expense coverage, offering up to S$150,000 in overseas medical cover for COVID-19. As for trip cancellations due to COVID-19, you can claim up to S$5,000 for the highest tier plan.

They also provide hospital cash and quarantine benefit of up to S$100 per day, up to 14 days, due to COVID-19.

Great Eastern TravelSmart Premier  Promotion : 

Single Trip:  Get a 40% discount when you use the promo code TSP40S .Valid till 31 May 2024. T&Cs apply. Annual Trip : Enjoy 10% off when you use promo code TSP10A. Valid till 31 May 2024. T&Cs apply.

Discount is only valid for Elite and Classic plans.

11. Allianz Travel Hero

As the newest kid on the block, Allianz Travel Hero do not offer any tier plans to customise your coverage. Instead, it offers three types of plans — ASEAN, APAC and Worldwide depending on the travel destination you're heading to.

You will receive the highest coverage if you buy the Worldwide plan, offering coverage of up to S$500,000 overseas medical expenses, including COVID-19 related expenses. You'll also enjoy up to S$50,000 coverage for any continued medical treatment you receive when you're back in Singapore, up to 14 days.

If you need to cancel your trip due to any valid reason including contracting COVID-19, you can get up to S$15,000 coverage. For baggage delay and loss, you are entitled to a maximum of S$3,000 (min 6h of delay required) and S$7,000 respectively (up to a sublimit of S$1,000 for all high-value items). If you lose your travel documents, you can claim up to S$8,000, while any loss of personal cash will cover up to S$500. Thinking of going on a road trip? Fret not! Allianz Travel Hero also offers rental vehicle excess of up to S$3,000 (no coverage for ASEAN Plan).

Which is the best travel insurance plan for COVID-19 coverage?

If you’re looking for one with the best coverage, Allianz Travel Insurance offers the highest medical expenses coverage that is unlimited if you opt for their highest-tier plan (though that comes at a comparatively heftier price), while AIG Travel Guard® Direct ranks second by offering up to S$250,000 coverage.

If you’re worried about the possibility of your trip being cancelled due to you or a loved one contracting COVID-19, Allianz Travel Insurance once again offers the highest amount of reimbursement of up to S$25,000. Despite this, their insurance plan does not come with any quarantine or hospitalisation allowance if you get the virus overseas.

Singlife Travel Insurance is also noteworthy as it offers up to S$2,000 of coverage for both hospitalisation and overseas quarantine, though the medical expenses coverage offered is not the highest.

For those on a budget, you can opt for the Starr TraveLead Travel Insurance that is the cheapest of the lot, from as low as S$18 for the basic tiered plan.

Importance of buying travel insurance early 

Frankly, no one could have predicted the onset of the Coronavirus or the severity of its impact globally. 

What we can do, however, is to protect ourselves from similar future outbreaks and unknown situations. You can consider purchasing a single trip travel insurance policy the moment you confirm the destination and dates of your overseas trip. Frequent travellers can opt to purchase an annual travel plan. 

For most cases, if you've bought your travel insurance before the advisory was announced (different insurers may use different dates), the trip disruption, postponement or cancellation will be covered up to your policy's benefit limit.

You should also pay closer attention to the T&Cs of the insurance policy documents. For example, some travel insurance plans offer trip cancellations for any reason (be it as part of the policy or as an upgrade or add-on), which would then cover you for a situation like the Coronavirus outbreak. 

The truth is a lot of us end up buying travel insurance at the very last minute. At times (we’re all guilty as charged), we buy it minutes before stepping onto the airplane. However, purchasing our travel insurance weeks, or even months, before the actual trip can save our wallets from unprecedented costs incurred when we are pushed to cancel our trip. 

Not sure where to look for the best plans? We got you covered. Browse through some of the best travel insurance you can get for your upcoming trip this 2022.

Travel Insurance Promotions

Find out more about travel insurance providers here:.

Compare and make the best decisions to find the best travel insurance providers for your needs

Find Out About Allianz Travel Insurance Singapore Find Out About AIG Travel Insurance Singapore Find Out About Tokio Marine Travel Insurance Singapore Find Out About Singlife Travel Insurance Singapore Find Out About Etiqa Travel Insurance Singapore Find Out About FWD Travel Insurance Singapore

Read these next:  If I Get COVID-19, What Will I Need To Pay? 10 Prudent Things You Can Do With Your Travel Fund If COVID-19 Has Derailed Your Trip How Insurers and Banks Are Helping You Survive COVID-19 (Whether Quarantine or Debt) Infectious Diseases Insurance: Best Plans To Protect Yourself Deferring Insurance Premium Payment During COVID-19: A Complete Guide A Full Guide to Priority Banking in Singapore (2024)

Protected up to specified limits by SDIC .

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

Find More About Travel Insurance Providers

Compare and make the best decisions to find the best travel insurance providers for your needs:

• Find Out About MSIG Travel Insurance Singapore
• Find Out About Starr Travel Insurance Singapore
• Find Out About Sompo Travel Insurance Singapore
• Find Out About Great Eastern Travel Insurance Singapore
• Find Out About Allied World Travel Insurance Singapore

Read these next: 5 Best Ways To Shop for Travel Insurance Will My Travel Insurance Cover COVID-19? How Different Will Travel Be Post COVID-19? What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough? If I Get COVID-19, What Will I Need To Pay? Singapore Budget 2023 Live Coverage: Key Highlights

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Financial tip:, use a personal loan to consolidate your outstanding debt at a lower interest rate, weekly newsletter subscription.

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SAFE TRAVELS START WITH SINGAPORE'S BEST COVID-19 TRAVEL INSURANCE

Protect Yourself with Singapore’s Best COVID-19 Travel Insurance

Important Notice

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

current promotion

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

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd th customer + 1 buddy + ncd-->.

Be protected from COVID-19 with the new travel insurance offer in Singapore – COVIDSafe Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 under our travel protection plan, but we are also now rewarding you with No Claim Discount. *Terms apply.

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

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. This travel insurance annual promotion in Singapore could be better value than buying single trip insurance for each holiday! Take advantage of our best annual travel insurance promotion and discounts today!

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

COVIDSafe Travel Protect360.

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

Enhanced Benefits with COVID-19 Cover

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

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

Travel No Claims Discount

Get Rewarded for Safe Travels

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

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

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

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

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

24/7 COVID-19 Travel Concierge

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

Best COVID-19 Travel Insurance Coverage

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

COVID-19 Quarantine Allowance

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

Enjoy No Claim Discount

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

Greater Flexible Coverage

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

Stay Protected From Travel Inconvenience

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

Enhanced Benefits of our Travel Insurance

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

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

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

  Hassle-Free Claims

Customer Review by Jack Wong

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

  Prompt And Excellent Service

Customer Review by H L

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

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

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

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

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

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

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

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

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2021 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

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

• The promotion is held from now until 30 June 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.

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

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

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

• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

Terms and Conditions for COVIDSafe Travel Protect360 Get eSIM (Single/Annual Trip)

Please click the link for terms and conditions: COVIDSafe Travel Protect360 Get eSIM Terms and Conditions

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

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

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

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

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

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

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

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

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

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

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

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

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

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

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

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

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

Q: Is dental treatment covered while I am overseas?

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

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

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

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

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

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

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

Q: How to buy travel insurance from HL Assurance?

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

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

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

Q: Can I buy travel insurance after departure?

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

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

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

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

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

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

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

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

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

Q: What does COVIDSafe Travel Protect360 Insurance cover?

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

All plans cover the following travel benefits:

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

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

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

File a travel insurance claim, claims procedure and documentation.

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

Common documents required for all Travel Insurance Claims:

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

Supporting documents needed when making a claim for:

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

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

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

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

Thank you for insuring with us.

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Travel insurance Singapore with Covid 19 Add ons | Tiq Singapore

Tiq Travel Insurance

Coverage | Resources | FAQs

Tiq Travel Insurance Promotion

[new customers exclusive] get free travel insurance worth up to $30, refer and earn.

Chinese New Year Promotion 2024

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

Your Best Travel Partner

• Most Popular Travel Insurance Company
• Best Annual Travel Insurance
• Best Online Buying Experience

Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

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

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

Submit Failed.

Thank you for your submission.

Insured but still looking?

Let us know when your policy ends and we’ll send you a reminder to switch to Tiq by Etiqa Insurance. Set. Relax. No Regrets!

Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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See what our customers say, important notes:.

This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 13 May 2024.

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Travel Insurance

Get comprehensive and affordable coverage for your travels. Enjoy 55% ^ off Per-Trip Travel Insurance and 20% ^ off Yearly Travel Insurance.

Travel advisory  (for trips to China, Taiwan, Israel, Jordan, Lebanon and Egypt)

China Guangdong Province : For all travellers purchasing a policy for an upcoming trip(s) to China’s Guangdong Province, please note that all travel insurance policies purchased on and after 21 April 2024, 4pm will not cover any losses you suffer (e.g. cancelling/postponing/shortening your trip) as a result of the Guangdong floods, as this is considered as a known event.

Taiwan Hualien County:  For all travellers purchasing a policy for an upcoming trip(s) to Taiwan's Hualien County, please note that all travel insurance policies purchased on and after 3 Apr 2024, 9am will not cover any losses you suffer (e.g. cancelling/postponing/shortening your trip) as a result of the Hualien Earthquake, including any aftershocks or earthquakes that occur up to 30 days after this date, as this is considered as a known event.

Israel:  For all travellers purchasing a policy for an upcoming trip(s) to Israel, please note that all travel insurance policies purchased on and after 7 Oct 2023, 1pm will not cover any financial losses you suffer as a result of the Israel-Hamas War, as this is considered a known event.

Jordan, Lebanon and Egypt:  For all travellers purchasing a policy for an upcoming trip(s) to Jordan, Lebanon and Egypt, please note that all travel insurance policies purchased on and after 11 Oct 2023, 9am will not cover any financial losses you suffer as a result of the Israel-Hamas War, as this is considered a known event.

Our travel insurance plans protect you for travel delay, trip cancellations and more.

Travel with confidence knowing you are well-protected, with the following coverage more than most insurers [1] .

Up to $2,000[2] travel delay coverage

With Income’s Travel Insurance, you are protected for travel delay of up to 120 hours[2] for any reason[3].

Up to $2,000[2] baggage delay coverage

Tide over with this cash benefit so you can get necessities such as clothes, important documents or electronic gadgets until your baggage catches up with you. 

Up to $8,000[2] coverage for loss of travel documents

In the event of loss/stolen travel documents, get peace of mind knowing you are covered for accommodation, transport and administrative fee for replacement of your passport or travel documents.

Additional benefits for your travels.

Protect against common travel inconveniences such as damage to personal belongings, personal accident, medical expenses while overseas and travel delays that are not caused by you.

Enjoy coverage for  adventurous activities [4]   such as skiing, bungee jumping, skydiving and more!

Coverage for trip cancellations due to unexpected events even for last-minute purchases.

Opt for Family cover [5] if you are travelling with your spouse/partner and children.

With 24/7 Medical Emergency Hotline , you can call  (65) 6338 1222  for assistance in the event of an accident or medical emergency anywhere in the world. 

Renew your existing yearly plan[6] to enjoy additional limits on selected benefits (not applicable to Enhanced PreX Yearly Travel Insurance).

Taking a cruise? We cover you for sea travel, and this includes cruise to nowhere.

Get Income’s Enhanced PreX Travel Insurance if you have pre-existing medical conditions.

Ordinary travel insurance plans do not cover you for pre-existing medical conditions, but Income’s Enhanced PreX Travel Insurance does.

Get up to $300,000 overseas medical expenses and emergency medical evacuation coverage due to pre-existing medical conditions [7].

Get up to $15,000 coverage for overseas transport and accommodation expenses due to pre-existing medical conditions [8]., pre-existing medical conditions[7] that are covered include diabetes, heart conditions, high blood pressure, asthma, eczema and more..

You can now enjoy coverage under Enhanced PreX Per-trip plans for up to 60 days in a row per trip* (previously 30 days)! That means you can embark on longer trips with coverage for pre-existing injuries and illnesses that you knew about or sought treatment for before your trip.

Here are some of the key items we cover.

Standard plans, enhanced prex plans (covers pre-existing medical conditions), buy online now.

Brave the unknown with comprehensive coverage from Income’s Travel Insurance.

Your policy toolkit.

Eligibility.

• Be living or working in Singapore
• Be holding a valid Singapore identification document (NRIC, employment pass, work permit, long-term visit pass or student pass)
• Be starting and ending your trip in Singapore 
• Have bought and fully paid for your policy before leaving Singapore
• Be more than 30 days old 

Printed brochure (Standard)

Printed brochure (PreX)

Policy conditions

Policy Conditions with COVID-19 Coverage Extension

Ways to pay for Travel Insurance.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at  www.income.com.sg/contact-us .

Giro lets you to make automated monthly payments for your premium every payment due date.

Apply for GIRO at  My Income online portal and get an instant approval for account holders of:

Your queries answered.

The coverage for all of the benefits in our travel insurance will be effective only when you are overseas except for the following:

• Personal accident
• Cancelling your trip
• If the travel agency becomes insolvent
• Postponing your trip

For Personal Accident, your cover starts when you leave the place you usually live or work (whichever is later) to start your trip, or three hours before the start date shown on your certificate of insurance, whichever is later. Cover ends:

• when you arrive at the place that you usually live or work after your trip;
• three hours after you return to Singapore;
• three hours after the period shown on your certificate of insurance; or
• three hours after the end of 180 days from the start of your per-trip policy (this applies to the Classic, Deluxe and Preferred plan), or three hours after the end of 60 days from the start of your per-trip policy (this applies to the Enhanced PreX Basic, Superior and Prestige plan), or three hours after the end of 90 days from the start of your trip under the Standard yearly plan or three hours after the end of 30 days from the start of your trip under the Enhanced PreX yearly plan (as the case may be); whichever is earlier.

For insolvency of travel agency, your cover starts:

• at the time when you book your trip (this only applies for yearly plan); or
• on the date we issue your policy; whichever is later.

For cancelling your trip or postponing your trip, your cover starts:

• at the time you book your trip (this only applies for yearly plan); or
• on the date we issue your policy; or
• as shown under the section which applies; whichever is later.

Yes, our travel insurance will cover you against all travel related benefits except any conditions that arise from any of your pre-existing medical conditions¹. If you have pre-existing illness, we will recommend you to take up an Enhanced PreX plan which will cover pre-existing medical conditions. For coverage on pre-existing medical conditions, please refer to the section on Enhanced PreX plans. ¹Pre-existing medical condition refers to any injury or illness (including any complications which may arise):

• which you knew about before the start of your trip; or
• which you have received diagnosis, consultation, medical treatment or prescribed drugs for in the 12 months before the start of your trip; or
• which you have been asked to get medical treatment or medical advice for by a medical practitioner within 12 months before the start of your trip.

The pre-existing medical condition definition also applies to injury or sickness of your family member or travelling companion.

Leisure activities that are accessible to the general public/tourists such as bungee jumping, scuba diving, motorcycling (including pillion riding), horse riding, winter sports, water rafting are covered in our standard policy terms.

However, dangerous or professional sports and activities are not covered in our policy terms. You may contact us at 6788 6616 if you wish to check if the activity you are taking part in is covered.

No, a Family covers:

• one adult or two adults who are husbands, wives or partners at the time of buying the policy; and
• covering any number of their children under the same policy

You may wish to consider buying a family cover for you, your spouse and your child, and adding your father as an individual insured. This can be done by selecting a plan for your Family cover and then adding an insured on the next page.

Yes, children more than 30 days old but less than 21 years old can be insured as a child. You may refer to our premium table found on our website for details.

If your child is travelling alone, you must purchase an Adult cover under the Classic, Deluxe, Enhanced PreX Basic or Enhanced PreX Superior plan for him/her. Your child can be a policyholder if he/she is aged 16 years and above.

You can take up a per-trip travel insurance plan for a maximum duration of 180 consecutive days for the Classic, Deluxe and Preferred plan, and a maximum duration of 60 days for the Enhanced PreX per-trip plans. We are not able to accept coverage for more than 180 consecutive days.

We may provide one-way cover on a case-by-case basis. Please contact us with your travel details.

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

Your period of insurance will be automatically extended while you are overseas, at no additional premium for the first 14 days if:

• the public transport you are travelling on to return to Singapore is delayed and you cannot complete your trip when the policy ends, and you are not the cause of the delay; or
• you have to go into hospital or are quarantined overseas as advised by a medical practitioner

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

Yes, your travel insurance will reimburse you the necessary and reasonable cost of emergency medical, surgical, hospital, dental treatment and ambulance recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.

Yes, we will pay for the necessary and reasonable costs of emergency dental treatment recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.

Yes, our travel insurance will cover you for your specialist medical treatment expenses provided that you are referred by a general practitioner. This is for a period of up to 45 days from the date of first treatment or up to the limits of the policy contract, whichever is earlier.

Yes, we will pay for the necessary and reasonable costs of medical, surgical, hospital, dental treatment and ambulance for treatment and follow-ups in Singapore recommended or requested by a medical practitioner, depending on the conditions shown:

• No medical treatment received while overseas – You will need to visit a doctor within three days upon returning to Singapore. You will be further covered up to 30 days from the date of the first treatment you received in Singapore for any follow up treatment.
• Medical treatment received while overseas – You will be covered up to 30 days upon returning to Singapore for any follow up treatment.

Yes, you can seek medical treatment from a Chinese medicine practitioner or chiropractor provided that the practitioner is registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within three days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.

View registered Chinese medicine practitioners

Yes, one of your family members can come over to visit you provided that you are hospitalised overseas for at least three full days due to injury or sickness sustained during your trip and no adult family member is with you at that time.

We will pay for the reasonable economy-class transport expenses (for air, sea or land travel) and hotel accommodation expenses for one family member to travel and be with you or one travelling companion to stay with you until you are confirmed medically fit by a medical practitioner to continue with your trip or to return to Singapore or for up to 30 days from the date the trip ends, whichever comes first.

Yes, we will pay the benefit for each complete 24-hour period that you are an inpatient in the hospital, up to the amount shown in the table of cover of your plan. This benefit will end once you leave the overseas hospital.  

No, either Income or our appointed assistance company will arrange and decide on the best suited means of evacuation. It may include air ambulance, surface ambulance, regular air transportation or any other appropriate means. You can be assured that our decisions will be based solely on your severity and medical necessity.

Sending you home benefit covers the costs incurred for the transportation and return of the insured’s body back to Singapore or to his home country. This is provided that death occurs due to an injury or sickness which occurred whilst overseas.

You will be eligible for Cancelling your trip benefit under the following conditions, provided they happen within 30 days before you are due to leave:

• Death, serious sickness or serious injury you, your family member* or travelling companion suffer. You must have bought your policy three days (or earlier) from the day you leave Singapore unless the event is only accidental in nature.
• Government authorities stop you from travelling overseas because you are suffering from an infectious disease.
• A sudden riot, strike or civil commotion breakout in Singapore or at the destination you plan to travel to.
• Natural disasters which happen in Singapore or at the destination you plan to travel to.
• Serious damage to your home due to a fire or natural disaster.

You will be eligible for Cancelling your trip benefit under the following conditions if they happen before you are due to depart from Singapore:

• If your flight is cancelled by the airline due to closing the airport, runway or airspace, or poor weather conditions, which forces the airplanes to be grounded.
• If you have to appear in court as a witness during your trip and you were not aware of this when you took up the policy.
• If you are forced to cancel your trip because you are a child and your travelling companion who is your guardian has to cancel their trip due to one of the first two reasons.

* Family member means your husband or wife, children, parents, brothers and sisters, parents-in-law, brothers-in-law, sisters-in-law, grandparents, grandparents-in-law, daughters-in-law, sons-in-law or grandchildren.

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee) up to the benefit limit of your plan. You must ask for a refund of any prepaid expenses from the transport or accommodation provider first. We will reduce your claim by the amount the transport or accommodation provider has refunded you.

No, you will only be covered under Cancelling your trip benefit of our travel insurance if you cancel your trip 30 days before the date of your departure from Singapore due to your serious illness.

No, you will not be covered under our travel insurance as work commitment is not one of our insured perils. However, you can cancel your policy and we will refund you the unused premium paid less an administrative fee of $21.80 (inclusive of GST) if we receive your cancellation request before the start date of your period of insurance.

Yes, we will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid and which you cannot get back (including the travel agent’s cancellation fee) up to the benefit limit of your plan. You must have bought the policy three days (or earlier) from the day you are due to leave.

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. To view the applicable limits for this benefit, view the coverage for this plan .

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee).

We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. This payment is limited to the sub-limit shown in the selected plan in the table of cover.

No, you will only be reimbursed for accommodation and transport expenses. Other expenses such as taxi fares, meals and drinks will not be covered.

Yes, you will receive a cash benefit based on the benefit limit of your plan.

Yes, you will receive a cash benefit as shown in Section 6 of the table cover based on your plan provided that there is no alternative onward transportation made available to you within six hours of the scheduled departure time of your flight connection.

If the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of the delay.

For travel delay of more than six hours while you are overseas, we will pay a cash benefit of $100 for adults and $50 for children for every full six hours in a row of delay you suffer. If you have onward connecting public transport to your final destination, we will pay travel delay based on the actual arrival time at the final destination and the arrival time shown in the itinerary. For travel delay of more than six hours in a row before you depart from Singapore, we will only pay you a cash benefit of $150 for adults and $50 for children as shown in the table of cover. The maximum limit for this benefit is based on your plan.

Yes, for delay of every full six hours in a row while overseas you will receive a cash benefit of $200 for adult(s) and $50 for child(ren) in accordance to the premium you have paid. For delay after you arrive in Singapore, you will receive a flat cash benefit of $200 for adult(s) and $50 for child(ren). The maximum limit for this benefit is based on your plan.

Yes, you will be covered up to the limit as shown in Section 10 based on your plan.

Yes, you will be reimbursed up to the limit and sub-limits as shown in Section 10 based on your plan for your lost or damaged baggage.

No, you can only seek reimbursement for either Baggage delay or Damage of baggage benefit for the same event and not under both benefits.

We will pay for reasonable economy-class transport (air, sea or land travel) or accommodation expenses you have to pay while overseas to apply to replace the lost passport or travel documents. We will also pay for the administrative fee which you have to pay to get a replacement passport, passport photograph or travel document.

You will receive a cash benefit as shown in Section 11 based on your plan for any loss of money which belongs to you. This is provided that the robbery or theft occurred whilst overseas.

Personal accident benefit covers you against injury caused by accident that result in death or Permanent total disability or loss of limb(s) or sight within 90 days from the date of accident.

Yes, our travel insurance will pay you a cash benefit for each full day (e.g. 24 hours in a row) up to the benefit limit if you are held hostage following a kidnap whilst overseas.

You will only be reimbursed for the actual telephone charges up to the benefit limit for calls made to our appointed assistance company. This is provided that there is a medical emergency and a medical claim has to be submitted and payable.

It will reimburse you for any damage or loss to your home contents in Singapore due to fire while no one is staying in your home in Singapore during your trip.

You will be reimbursed for any excess or deductible which you are legally responsible for due to the loss or damage to the rental vehicle. This is provided that the following conditions are met:

• Loss or damage is a result of an accident
• Accident occurs during the rental period whilst you are overseas
• Rental vehicle is rented from a licensed rental agency
• A comprehensive motor insurance is taken up
• You are either the named driver or co-driver of the rental vehicle

Our travel insurance covers for any of the losses listed in the policy arising from or in relation to an act of terrorism, up to the limit as shown in your plan’s table of cover.

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Sep 2016 23:50, you should indicate the Start Date as 04 Sep 2016). End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Sep 2016 00:30, you should indicate the End Date as 05 Sep 2016).

You can submit a request via our Travel Insurance online endorsement portal to extend your period of insurance. We will process your request within 5 working days.

No, you will need to purchase your travel insurance prior to setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance covers for possible trip cancellation as well.

No, you must purchase two policies: one policy for your trip to Bangkok and one policy for your trip to Taiwan. The coverage for your single trip policy will end when

• You arrive at the place that you usually live or work after your trip
• 3 hours after you return to Singapore
• At the end of the period shown on your certificate of insurance, or
• At the end of the 180 days after the start of your single trip policy whichever is earlier.

Comparison between old and new enhanced COVID-19 Coverage

*Combined benefit limit for Overseas medical expenses, Emergency Medical Evacuation and Sending you home sections

COVID-19 coverage duration limit has also been increased.

For Standard per-trip policies, travellers can now enjoy COVID-19 coverage for up to 180 days of each trip.

Please refer to the latest policy conditions for more details.

Yes, as long as your trip begins on 10 April and after, you will automatically enjoy the enhanced COVID-19 coverage. You can refer to the latest policy conditions here .

There is no need to have a copy of your policy with the new policy conditions to enjoy the enhanced COVID-19 benefits.  Our claims department will assess the COVID-19 claims based on the new benefit limits.

For each reprint request, you will need to pay an administrative fee of $21.80 (inclusive of GST).

As we are not charging additional premiums with the enhanced COVID-19 cover, we need to focus only on the essential coverage of being protected while overseas. Most travellers who require medical treatment upon their return to Singapore can tap on their existing local medical insurance plans instead.

To file a COVID-19 related claim under this section, we require the following supporting documents:

• COVID-19 positive test result by an approved test provider or a medical practitioner
• A written confirmation from the overseas government authorities on the nature and period of quarantine
• Negative test result by an approved test provider or a medical practitioner
• Invoice/receipt of the extra expenses incurred (i.e., accommodation & transport)
• Written refundable or non-refundable confirmation from the service provider for the unused prepaid accommodation and transport expenses

Please note that this list of documents is not exhaustive. Other documents may be requested if necessary.

Under general conditions clause 2 (Automatically extending cover), your policy will automatically be extended for up to a maximum of 14 days if the following criteria are met:

a) you are diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner while overseas; and

b) COVID-19 benefits in sections 27a and/or 27b apply to you; and

c) you have to stay in hospital or are quarantined overseas in a quarantine facility as advised by a medical practitioner or local authorities; and

d) you cannot complete your trip when the policy ends.

If you do not meet all of the criteria above, your policy will not be automatically extended and you will need to pay additional premium to extend your trip beyond what was originally scheduled.

If your travelling companion tests negative for COVID-19 and decides to stay behind with you, they will need to pay additional premium to extend their trip beyond what was originally scheduled.

You may file a claim for the following sections, whichever is applicable:

• Section 1 - Cancelling your trip 

• Section 2 – Postponing your trip

• Section 3 - Shortening your trip

• Section 4 - Trip disruption

Policy terms and conditions will apply.

You can call our 24/7 Medical Emergency Hotline at (65) 6338 1222 for assistance.

If you have purchased your policy three days (or earlier) from the day you leave Singapore, we will respond to claim arising from COVID-19 for benefits stated below, whichever is applicable:

• Section 1 – Cancelling your trip

• Section 2 - Postponing your trip

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Important notes

^Promotion terms and conditions apply.

• This comparison does not include all similar travel insurance plans.
• For Preferred Plan. Policy Ts&Cs apply.
• Except those caused by the insured. Policy Ts&Cs apply.
• This policy does not cover claims for loss or liability directly or indirectly caused by or arising from extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialized gear or spectacular stunts, whether they are played competitively or noncompetitively, in a team or individually. Adventurous activity means any recreational activity commonly available to the public that is done overseas during your trip for leisure or as part of the tour and which: - is undertaken while complying with all safety procedures, such as wearing safety equipment and following rules and regulations; whether specifically advised or generally expected of a reasonable person, - where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and - is not excluded under the general exclusions listed in part 4 of the general conditions of the policy.
• Family cover provides coverage for 1 or 2 adults who are spouses or partners at the time of purchase and any number of their children as long as: - Adult(s) is 16 years and above and is the parent or legal guardian of the children - Child(ren) is below 21 years old and is the biological or legally adopted child(ren) or ward of the adult named under the policy - Adult(s) and child(ren) must be insured under the same policy - Adult(s) and child(ren) must travel together if they are insured under single trip plans (not applicable for yearly plans).
• You must be insured under your existing yearly plan policy for at least 12 months and successfully renew your policy to be continuously insured for another 12 months. You will be notified in your policy document of your entitlement to the Travel Renewal Bonus upon successful renewal of your policy.
• We do not cover claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months. Please refer to policy conditions for the precise definition of pre-existing medical conditions.
• For trip cancellation and trip shortening under Enhanced PreX Superior and Prestige plans, 50% co-payment will apply for claims due to pre-existing medical conditions.

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions .

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

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Information is correct as at 21 May 2024.

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Compare Best Travel Insurance Plans in Singapore 2024

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Policy Brochure

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Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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Compare Best Travel Insurance Plans 2024 by Insurance Providers

What does travel insurance cover is it necessary.

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

Medical coverage

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

Flight delay or cancellation

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

Natural disaster protection

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

Protect your belongings

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

Does travel insurance cover COVID-19?

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

How do you compare travel insurance policies?

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

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

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

Travel disruption coverage

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

Pre-existing conditions

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

Adventure activities

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

How do you make travel insurance claims?

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

Emergency assistance

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

Personal accident / medical expenses

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

Travel disruption / cancellation

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

Lost / damaged personal belongings

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

Rental vehicle expenses

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

Frequently asked questions

Which are the best travel insurance companies.

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

Which travel insurance is cheapest?

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

Is your credit card's free travel insurance enough?

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

Can foreigners buy travel insurance in Singapore?

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

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

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

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

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

When should I buy travel insurance?

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

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

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

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

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

Why buy travel insurance from us?

Value for money.

We compare our partners' insurance plans based on best price and coverage to give you the best bang for the buck.

Customer-oriented

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

Time-saving

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

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict.

If you have purchased a travel infinite policy…, before 07 october for travel to israel and palestinian territories and do not wish to travel at this point in time, • you may cancel the trip and file for trip cancellation / trip postponement, before 07 october for travel to israel and palestinian territories and are already in israel and palestinian territories at this point in time, • you will still be covered for benefits like travel delay, baggage delay, flight diversion, trip curtailment, after 07 october for travel to israel and palestinian territories, • there will be no coverage as the ongoing conflict is a known event, be it a short getaway, business convention or adventure of your lifetime, we’ve got you covered. a simple travel insurance can cushion you from the unexpected. don’t let anything get in the way of your travels..

Our Travel Insurance plans now come with COVID-19 add-on. Should you be diagnosed with COVID-19 before, during or after your trip, we cover you for trip postponement or cancellation, overseas medical, evacuation expenses & more!

Choose from our affordable Travel Insurance Plans to suit your needs

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• For more information, please view our Policy Wording

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• Travel Insurance

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Best Student Travel Insurance

Updated: May 15, 2024, 1:44pm

Table of Contents

What does student travel insurance cover, can i tailor my student travel insurance policy, what does student travel insurance exclude, how much does student travel insurance cost, where can i purchase student travel insurance, frequently asked questions (faqs).

While student travel insurance technically doesn’t exist, the good news is Australian students can take out standard travel insurance for much needed cover while away.

Whether you’re taking a gap year overseas, studying abroad, or squeezing in a few trips in between your studies, travel insurance can provide essential cover for illness, lost baggage, trip cancellation and more. It can even cover your smartphone and laptop, as well as a vast range of activities, such as bungee jumping, snorkelling, or working on a local farm. It’s simply a matter of finding a suitable policy, or tailoring one to your needs and budget. We explain more below.

Related: Guide to Backpacker Insurance

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Australian students looking for travel insurance, have all the cover options available to them that anyone else would. Common benefits include:

• Emergency medical expenses: covers the cost of treatment should you fall ill, or get injured, while away. There may also be cover for evacuation and repatriation in severe medical cases
• Personal liability: covers you if you injure someone else, or damage someone’s property
• Trip cancellation: pays out should an emergency, such as illness or bereavement, prevent your trip from going ahead
• Baggage and belongings: covers your luggage and personal effects. Look out for a total limit on cover, as well as sub-limits for individual items
• Passport and personal documents: covers the cost of replacing travel documents if lost or stolen
• Personal money: the amount claimable if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause you to miss your journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes you permanent disability or death.

Each policy offers its own combination of benefits, so it’s vital to check its product disclosure statement (PDS) for a breakdown of exactly what is included, and the cover levels. For instance, you’ll need baggage cover that matches or exceeds the value of the items you’re taking away, while protection for cancellation should cover the cost of your trip.

As a student, you’ll likely want to customise your policy to suit the purpose of your trip, and this is something you can do on most policies. As well as additional cover for gadgets, such as smartphones, tablets and laptops, your policy will likely offer options for:

Adventure & Activities

Planning an adventure-filled, high-octane trip? Many policies offer cover for medium to high-risk sports and activities, such as trekking, abseiling and bungee jumping, at an extra cost. This comes in addition to the dozens of low-risk activities usually already covered automatically. Each insurer’s risk barometer is different so do check a policy’s PDS, for a list of what is and isn’t covered as standard. Protection for winter sports, such as skiing and snowboarding, usually comes as separate cover to purchase too.

Work & Volunteering

Perhaps you’re thinking of giving a little back to the locals by working in a paddy field, or you’ve seen an opportunity to earn money by doing a few gigs with your band. A travel insurance policy can cover unpaid and paid work, though the types of jobs covered may differ between insurers. There will also likely be restrictions such as the height at which you can work limited to two storeys and lower.

Short Trips or Long Stays

What’s called ‘single trip’ travel insurance can cover a short getaway of up to around 31 days, but there are also annual policies that cover multiple single trips within the space of 12 months. These save you having to take out cover for each trip, only require one set of paperwork and can sometimes work out cheaper than taking out cover each time you go away. Perhaps most suited to gap year takers is backpacker insurance , which is also known as long-stay or extended-stay insurance. It can cover trips lasting up to six, 12, 18 or 24 months, depending on the insurer. It may also allow you to come home a certain number of times in between travelling, without rendering it invalid.

To make the most out of your travel insurance, remember to take heed of the limitations and restrictions detailed in the PDS. These often are unique to a policy or insurer, so a friend’s could be different.

However, most insurers will not cover trips to destinations where the government has issued a ‘do not travel’ alert. Reasons may include natural disasters, terrorism threats and pandemics. You can find out the status of your destination on the government’s Smartraveller website . It’s best to check the site before purchasing your policy, and again before travelling.

Insurers also often reject claims resulting from disorderly behaviour or intoxication by drink or drugs. If you’re taking part in sports and activities, make sure they are specifically covered in the PDS. There may be restrictions such as needing to wear a helmet, harness or other types of required safety gear, for an insurer to accept any potential related claims you make.

You can choose an insurer’s basic protection with limited benefits, or one of its more comprehensive policies, which should offer a wider range of cover types, and higher cover levels, at a higher cost. Just make sure you have the full amount of protection you need.

The cost of your policy will also depend on factors such as your travel destination, trip duration and any extra forms of cover you may choose to add on. While travel insurers typically don’t offer student discounts, insurance tends to be cheaper for young travellers, as they’re deemed less likely to claim on their policy for expensive medical costs. If you’re still a dependent, and travelling with your family, you may be eligible to be covered under your parents’ policy as some insurers allow this.

A policy’s excess is the set amount you will need to pay on each accepted claim. Rather than an out-of-pocket expense, it’s automatically deducted from a claim amount. In exchange for choosing to pay more in excess, an insurer will typically lower the policy premium, which is the cost of the cover. If you prefer to pay less in excess, your premium will likely be higher.

We ran quotes on the websites of the top three ranking insurers for comprehensive policies based on our research . We used the profile of a 20-year-old travelling to Thailand for 12 months.

Their most basic cover ranged from $776 to $1,493 in price:

Their comprehensive cover ranged from $895 to $2,044 in price:

Travel Insurance Direct and Bupa allows you to choose from several cover levels for trip cancellation on their policies. Allianz only offers this option on its comprehensive policy. Choosing higher cover levels bumps up the cost of the policy.

As most, if not all, travel insurers offer options that suit students on their standard cover, taking out insurance is simply a matter of comparing what they have to offer, and then buying the best policy for you. An easy way to do this is to run quotes on each insurer’s website.

You will need to enter details such as your age, travel destination(s), and trip duration. You will then be able to check the policies each insurer offers to suit your requirements. You may be able to add extra cover, such as for winter sports or gadgets, when entering your details, or after choosing a quote. Once you’ve decided on a policy you can pay for it online.

Does student travel insurance cover illness?

Emergency medical cover is a vital component of travel insurance, covering the cost of treatment for illness and injury you may experience while away.

This cover is crucial for many when travelling as Medicare isn’t available in other countries, and even when a country has a reciprocal healthcare agreement with Australia, there may be exclusions to what it covers including repatriation costs. Without emergency medical cover, you would have to find another way to cover these expenses that can easily reach into the thousands of dollars.

What is a pre-existing medical condition?

Insurers class a pre-existing medical condition as any condition you’ve had from before taking out a policy with them.

Only some insurers cover such conditions, and those that do often charge more for the benefit. You can check if a policy covers your condition in its PDS. On applying for cover, you will need to declare any conditions you have during the medical screening stage for future related claims to be considered.

How do I find cheap student travel insurance?

To find an inexpensive policy, without sacrificing vital cover, it’s important to shop around for insurance. Compare the types of cover included, as well as the cover levels to avoid paying out on benefits you don’t need. You’ll also need to weigh up the policy price and excess payable on accepted claims.

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1 cheap stock down 79%: is it a no-brainer buying opportunity.

Even though the S&P 500 is near record territory, it doesn't mean that all businesses have seen their shares reach all-time highs in recent times. Some stocks are still significantly below their high-water marks.

Look no further than Carnival (NYSE: CCL) . As of this writing, shares are 79% below their peak.

It's no surprise that the company was decimated during the height of the pandemic as its operations were halted to stop the spread of the virus. However, this cruise line stock was down 23% in the 24 months before the start of 2020, indicative of ongoing investor pessimism.

Since it trades at a forward price-to-earnings (P/E) ratio of 15, significantly below the market, is this cheap stock a no-brainer buying opportunity right now?

Strong momentum

Carnival deserves some serious credit for how it is turning things around. The economic reopening, and consumers showing greater interest in spending on experiences versus goods, are propelling the business.

During the first quarter (ended Feb. 29), Carnival reported record revenue of $5.4 billion, which represented a 22% year-over-year increase. This was boosted by strong bookings and deposits at an all-time high, despite higher prices.

The fact that profitability is heading in the right direction is also an encouraging sign. While the company posted a net loss of $214 million, it marked a notable improvement from the $693 million net loss in the first quarter of fiscal 2023. Wall Street analysts believe that the company will generate positive earnings for the full fiscal year.

In the midst of a fundamental recovery, Carnival shares have climbed 44% just in the past 12 months. But that hasn't done enough to prevent the stock from trading at a discounted valuation.

The potential risks

Your immediate thought might be to add Carnival to your portfolio without hesitation. The business appears to be doing well, seeing strong demand, and improving its bottom line. Plus, it helps that the forward P/E is compelling.

But I think that would be a mistake. I believe Carnival remains is a risky stock.

The company generated record revenue in the first quarter, but demand is still sensitive to macro forces. You could argue that Carnival's robust financial performance in the midst of higher interest rates and inflationary pressures is a positive sign. But how will the business fare in a recessionary scenario, one that could still happen in the near term?

In this situation, it's easy to believe that Carnival would struggle. It's reasonable to think that consumers would hold off spending on these expensive trips when times get tough.

This points to how the company's massive debt burden, now at close to $31 billion, is still a reason to worry as well. What we're seeing now might simply be the direct result of pent-up demand for cruise travel, which could be short-lived. If demand starts to normalize -- or worse, if there's an economic downturn -- Carnival might have trouble servicing its debt.

That's a risky scenario fraught with uncertainty that I'd much rather avoid.

A disappointing voyage

Since its initial public offering in 1987, Carnival has generated a total return that pales in comparison to the S&P 500. Of course, investors shouldn't just extrapolate past results into the future. If there are significant fundamental changes happening with the business that warrant a more bullish outlook, then perhaps that can help lead to stronger investment returns.

In this case, however, I don't see much reason to expect things to turn around. And I'd be surprised if Carnival's returns over the next decade and beyond come anywhere close to outperforming the broader S&P 500.  Therefore, I'm not buying this stock, no matter how cheap it looks.

Should you invest $1,000 in Carnival Corp. right now?

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1 Cheap Stock Down 79%: Is It a No-Brainer Buying Opportunity? was originally published by The Motley Fool

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