road trip insurance singapore

Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

• What should your Travel insurance cover for a trip to Singapore? 

How does Travel Insurance work in Singapore?

• Do I need Travel Insurance for Singapore? 
• How much does Travel Insurance cost for Singapore? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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Top Travel Insurances for Singapore You Should Know in 2024

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The island city-state of Singapore is famous for its modern architecture, clean streets, vibrant culinary scene, and eco-friendly urban environment. While small, the city contains many iconic landmarks such as Marina Bay Sands and Gardens by the Bay. Although travelling to Singapore can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Singapore and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Singapore Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore:

Best Travel Insurances for Singapore

• 01. Should I get travel insurance for Singapore? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Singapore scroll down

Heading to Singapore soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Singapore?

Yes, travel insurance is mandatory for travel to Singapore. This means that as a traveller to Singapore, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Singapore, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Singapore or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Singapore:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Singapore. It lets you choose between various plans tailored to meet the specific needs of your trip to Singapore, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Singapore:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Singapore? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Singapore

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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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, and to Iceland. Please click here if you intend to or have purchased a travel plan to these areas.

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Protect you and your family with our COVIDSafe Travel Protect360.

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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 Claims 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

Other Promotions

HL Bank Debit Card

Hl bank debit card travel insurance promotion.

Get up to $30 voucher when you sign up for COVIDSAFE Travel Protect360 and pay with HL Bank Debit Card.

*Terms apply.

What Our Customers Have To Say About Us

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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.

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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.

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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! 😀👌🏻

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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.

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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 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 Insurance HOLIDAY Promotion (Single Trip)

• The promotion is held from 26 September to 02 October 2023
• Customers who use promo code ‘HOLIDAY’ are eligible for an additional 20% off on top of 40% is applicable during this Promotion Period and is not valid with any on-going travel discounts, promotions, schemes or privileges.
• New purchases refer to purchases via HL Assurance website (as per stated above) and call center, and is not applicable to any purchase from HL Assurance’s agency partner.
• 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.
• HL Assurance full disclaimers, terms and conditions apply to individual products. © 2023 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• HL Assurance’s COVIDSafe Travel Protect360 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 Lunar New Year Digital Ang Bao Draw

Please click the link for terms and conditions: Lunar New Year Digital Ang Bao Draw 2024 Giveaway Terms and Conditions

Win Your Dream Destination 2023 Terms and Conditions

• The Organiser for the WIN YOUR DREAM DESTINATION Contest is HL Assurance (Pte) Ltd of 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057 (“Organiser”)

Terms and Conditions

• These terms and conditions (“Terms and Conditions”) shall apply to “Win Your Dream Destination 2023” (“Contest”).
• By registering or taking part in this Contest, you agree to be bound by these Contest Terms and Conditions and the decisions of the Organiser concerning and in connection with this Contest.
• The Participants are deemed to have agreed that HL Assurance may contact you via voice call for the purposes of this Contest and/or Prize.
• Participants consent that their personal data may be used by HL Assurance and its affiliates, and may be disclosed by HL Assurance to its affiliates to send them marketing and promotional information and materials by post and/or emails.
• A person who is not a party to these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions and notwithstanding any terms herein, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of these Terms and Conditions.
• on our website
• on our social media page
• All information is correct at the time of publishing.

Qualifying Period

• The Contest qualifying period is from 01 March 2023 to 31 July 2023 (both dates inclusive).
• The Organiser reserves the right to change the Qualifying Period.

Eligibility and Participation

• You must have purchased COVIDSafe Travel Protect360 or CovidSafe Travel Assured policy (“COVIDSafe”) from HL Assurance during Qualifying Period.
• The purchase of COVIDSafe should not apply to any other promotion code, scheme, or privileges.
• COVIDSafe can be purchased via all platform or any of our Authorized Intermediaries.
• Participants must be Singapore Citizen or Singapore Permanent Resident or holder of valid Employment Pass, work permit, dependent pass, student pass, or long-term visit pass issued by the authorities in Singapore who are at least 18 years old.
• a. All permanent and/or contract employees (“Employees”) of HL Assurance and their immediate family members (i.e. spouses, children, parents, brothers, and sisters) (“Immediate Family Members”).
• The Organiser has the absolute discretion to determine the eligibility of Participants. Such determination shall be final and the Organiser is not obliged to give any reason for its determination

Allocation of Contest Chances

• The Participants will be given one (1) Contest Chance (“Chance”) for every one (1) point awarded during Contest Period based on Eligible Products, according to the table below
• The Organiser has the absolute discretion to disqualify any Chance that does not meet the Terms and Conditions. Such determination is final and conclusive, and the Organiser is not obliged to give any reasons for its determination.
• Participants are always subjected to these Terms and Conditions to be eligible to participate in the Contest. With every one (1) point awarded, each Participant is eligible for one (1) chance to enter the Contest.
• The Organiser reserves the right to, at any time in its sole and absolute discretion, replace and/or substitute any of the Prize(s) with any item of similar value.
• At the end of the Qualifying Period, the Organiser will select 20 eligible entries (“Winners”) on 17 to 28 July 2023.
• An email notification will be sent to the Top 3 Winners on 01 August 2023 to request for document (s) verification. In the event the Top 3 Winners are disqualified, the next Winner from the list of 20 eligible entries will be considered and notified.
• The finalized Winners will receive a separate email notification on Prize redemption details.
• Three (3) X SGD 3,000 for reimbursement
• Prize will only be reimbursed to Policy Holder and for Policy Holder’s flight ticket only
• Each winner can only be reimbursed with one flight ticket
• Policy Holder flight ticket travel dates used for reimbursement must be within Contest Period.
• Winners must produce evidence and/or purchase of air ticket with the name of the policy holders for verification where required.
• At the point of prize giving, winners must not have cancelled their COVIDSafe.
• Should winners purchase their flight ticket based on Krisflyer points or equivalent, HL Assurance reserves the rights to only reimburse each winner up to SGD 500.
• Participants must provide their details (i.e. full name as per NRIC, email address, and contact number) as requested by the Organiser after they are selected as the winners.
• The Prize is not transferable, exchangeable and/or redeemable for cash. The Organiser accepts no responsibility for any form of liability that may arise from the participant winning and accepting the Prize.
• The Prize cannot be resold.
• Each Participant will affirm the accuracy of all information provided at the time of submission for this Contest. Any misrepresentation of facts or particulars (deemed material by The Organiser) shall result in disqualification and/or the forfeiture, withholding, withdrawal or reclaiming of any prizes won.
• The Prize is provided as-is with no warranty or guarantee. All applicable laws and regulations apply, including but not limited to tax laws. Each Winner is liable for any and all tax obligations arising from the award of the Prize to him/her.
• The Winners must present printed email Winner notification and any identification document(s) (as may requested by the Organiser) to redeem the Prize.
• The Winners are required to self-collect their Prize at the HL Assurance’s office, 11 Keppel Road, #11-01 ABI Plaza Singapore 089057 on or before 18 August 2023 during office hours. The Contest Prize that are not collected after 18 August 2023 shall be forfeited and HL Assurance reserves the rights to deal with all unclaimed prize in any manner deemed fit.
• The Organiser reserves the right, at any time in its sole and absolute discretion, to substitute, withdraw, add to or alter the Prize(s) offered without notice to the participants.
• The Organiser’s decision at all stages of this Contest and on the winners is final and no correspondence will be entertained. No enquiries, appeals, verbal or written, shall be entertained. The participants shall accept and abide by any and all decisions made by the Organiser concerning, without limitation, these Terms & Conditions, the rules, procedures and regulations of this Contest, the award of prizes and any other matters relating to this Contest.
• If, for any reason this Contest is not capable of running as planned, including without limitation, infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures or any other causes beyond the control of the Organiser which corrupt or affect the administration security, fairness, integrity or proper conduct of this Contest, the Organiser reserves the right in its sole discretion to disqualify any individual who tampers with the process, and/or to cancel, terminate, modify or suspend the Contest. The Organiser assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration in relation to the Contest.
• The Organiser is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email to be received by the Organiser on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to Participant’s or any other person’s computer related to or resulting from participation or downloading any materials in this Contest.
• LIABILITY, INDEMNITY AND RELEASE: In consideration for the Organiser accepting the Participant’s participation in the Contest, to the fullest extent permitted by law, the Participant releases and forever discharges the Organiser from all claims that Participants may have or may have had but for this release arising from or in connection with any Participant’s participation in this Promotion. Participants indemnifies and holds harmless the Organiser to the extent permitted by law in respect of any claim by any person, arising as a result of or in connection with Participant’s participation in the Promotion. For the purposes of this clause, claim(s) means and includes any action, suit, proceeding, claim, demand, damage, penalty, cost or expense however arising.
• This Contest is subject to the laws of Singapore, the Personal Data Protection Act 2012 (PDPA) and HL Assurance’s Privacy Policy located at: https://www.hlas.com.sg/policyonpersonaldata/. The Organiser collects personal information (PI) in order to conduct the Contest, and may be used for this purpose, disclose PI to third parties, including but not limited to agents, contractors and service providers and to any government authorities and agencies. This Contest is conditional on Participants providing his/her PI. Please read HL Assurance’s Privacy Policy carefully to understand how HL Assurance may use Participant’s PI and rights of Participants.
• Any costs incurred by a Participant associated with entering the Contest, including accessing the HL Assurance’s website, telephone enquiries in relation to the Contest are the sole responsibility of Participants.
• Headings and subheadings are inserted for convenience only and shall not be used to interpret the text of these Terms and Conditions in any way averse to an interpretation in favour of the Organiser.</
• These Terms and Conditions constitute the entire agreement of the parties relating to the participation and conduct of the Contest.

Terms and Conditions for “Geneco Travel Promotion”

• The promotion is held from now until 31 March 2023.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Policy during the Promotion Period will be entitled to Grab E-vouchers(“Gift”), provided that the policy is not subsequently cancelled.
• This promotion is not applicable with other promotions.
• This promotion is valid for new purchases made via HL Assurance web at: https://app.hlas.com.sg/redirect?type=travel&referral=SEP&tripType=annual and is not applicable to any purchase from HL Assurance’s agency partner.
• The E-voucher will be sent to an Eligible Policyholder’s email address (based on HL Assurance’s records), within fourteen (14) business days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
• All details and particulars submitted in the application form must be accurate, true and complete.
• HL Assurance is also not obliged to replace any Shopping Vouchers where email address provided by policyholder is invalid or incorrect.
• The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
• HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
• HL Assurance is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
• All vouchers and gifts are to be collected at HL Assurance Main office.
• HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
• HL Assurance full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is 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 “Geneco x HLAS Spin-and-Win”

• The promotion is held from 24 January 2022 to 28 February 2022 (both dates inclusive).
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip Policy during the Promotion Period will be entitled to a $20 Fairprice Voucher(“Gift”), provided that the policy is not subsequently cancelled.
• This promotion is only applicable for new purchases made via HL Assurance web at https://www.hlas.com.sg/personalinsurance/travelinsurance/
• Upon successful payment of policy, Qualified Customers will receive a redemption letter after fourteen (14) business days (excluding Saturday, Sunday and Public Holidays).
• HL Assurance is also not obliged to replace any FairPrice Vouchers where email address provided by policyholder is invalid or incorrect.
• HL Assurance’s Maid 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 "HL Bank Debit Card Travel Insurance" Promotion

• The Promotion is held from 28 May 2022 to 30 June 2022, 11:59pm (both dates inclusive).
• This promotion is valid for new purchases made via HL Assurance web : https://www.hlas.com.sg/personalinsurance/travelinsurance/ or HL Bank Travel insurance page: https://www.hlbank.com.sg/en/personal-banking/insurance/lifestyle/travel-insurance.html and is not applicable to any purchase from HL Assurance’s agency partner.
• The E-voucher will be sent to an Eligible Policyholder’s email address (based on HL Assurance’s records), within fourteen (14 working days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
• HL Assurance is also not obliged to replace any vouchers(“Gift”) where email address provided by policyholder is invalid or incorrect.
• HL Bank’s Debit Card Terms & Conditions and Cardmember Agreement shall apply, a copy of which may be accessed on the HL Bank website.

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: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway GP clinics?

A: The list of Healthway GP clinics can be found here . Special rates will apply for COVIDSafe Travel Protect360 renewal customers only.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway Dental clinics?

A: The list of Healthway Dental clinics can be found here . Special rates will apply for COVIDSafe Travel Protect360 renewal customers only.

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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Jessica Bergin is a Barcelona-based Australian writer who has worked in the travel industry for half a decade. Her passion for adventure, travel, culture and lifestyle has helped her navigate a successful career in the writing industry, including for World Words.

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

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

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

Compare Singapore Travel Insurance Companies

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

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Singapore?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

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

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

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

Rental Car Protection

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

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

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

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

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

Trip Cancellation Insurance

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

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

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

How Much Does Singapore Travel Insurance Cost?

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

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

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

To offer insight into typical costs, we gathered quotes from five different travel insurance providers. We based the following prices on a 30-year-old traveler from California to Singapore for two weeks, with a total trip cost of $4,000.

*Note: We collected the above quotes from each company’s website in May 2023. Plans include coverage for trip cancellation, trip interruption, medical emergencies and baggage delay or loss. 

How Do I Get Travel Insurance for Singapore?

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

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

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

Singapore Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a Singapore Vacation Worth It?

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

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

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

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

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

Do you need travel insurance for Singapore?

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

Do tourists get free health care in Singapore?

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

Can I buy travel insurance after I depart for Singapore?

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

Travel Insurance Singapore: Is It Necessary To Buy Travel Insurance?

Travel insurance sounds like something meant to fleece kiasi people of their hard-earned cash. Many of us pay for travel insurance before we get on that plane. But why don’t we buy travel insurance when we go to JB or Malaysia for a massage?

Heck, you’re more likely to get into an accident dodging angry drivers on the AYE or PIE than strolling the streets of Tokyo or Paris. In addition, if you have a medical insurance policy here in Singapore, you might recall your agent having told you something about being able to make claims for overseas medical costs.

For every cautious, over-insured traveller you’ll meet, you’ll find a footloose and fancy free backpacker who “don’t believe” in insurance. So, is it necessary to buy travel insurance?

• Travel insurance covers emergency situations
• Travel insurance covers pre-trip emergencies
• Regular health insurance doesn’t fully cover travels
• Travel insurance isn’t cheap
• I’m travelling on budget, I don’t need travel insurance
• What could possibly happen? I don’t need travel insurance
• I still refuse to buy travel insurance
• Get cheaper travel insurance with promos

1. Travel insurance covers emergency situations

Most people don’t think twice about what goes into that plate of char kuay teow . Neither do they think about what they’re actually paying for when they buy travel insurance.

Here are some of the basic coverage you’ll be able get from most travel insurance plans.

Overseas emergency medical costs

One of the biggest reasons to buy travel insurance is because it protects you if you need to seek urgent medical help when on holiday.  Singaporeans seem to have the habit of getting into road accidents overseas , which is understandable considering so many of us have driver’s licences we never get to use because of COE. Then there’s the risk of getting food poisoning after stuffing your face at one too many hotel breakfast buffets, or walking into a wall and breaking a tooth.

Your medical coverage usually lets you make claims for medical or dental costs incurred, medical evacuation and/or expatriation if you need to be rushed back to Singapore, hospital cash benefits and more.

You are also usually allowed to make claims for medical expenses incurred upon your return to Singapore if they are due to an illness or accident sustained while overseas.

Personal accident and death

We’re not trying to be pessimistic, but there is always the chance your trip will end in disaster. Travel insurance policies have a personal accident component, which will offer you payouts if you get into an accident and as a result are temporarily or permanently disabled, or die (in which case the money goes to your family or whomever you’ve willed your estate to).

Your policy will indicate a lump sum to be paid out if one of the above catastrophes takes place, and the percentage of this lump sum you’ll receive.

A typical sum in a standard plan might be $150,000. If you die or are totally and permanently disabled, your or your family might receive 100% of the sum, while losing one limb might entitle you to just 50%.

Travel inconveniences

Unless you’re really unlucky, you will not exactly be using our medical or personal accident coverage on every trip. But if you’re a frequent traveller, sooner or later you’re going to have a chance to make a claim for travel-related mishaps and disruptions.

Cancellations, delays or missed connections can allow you to make claims, not only for planes but also for train and bus rides. Obviously, your alarm not going off is not a good enough excuse—you’ll have to demonstrate the disruption was caused by an illness, injury, death in the family or an event like a natural disaster or civil disturbance.

Baggage delays can also entitle you to claim money. How much you get typically depends on how many hours your baggage is delayed by.

In principle, you are also entitled to claim money for lost or damaged items. However, be warned that it can be tricky to actually get your money in such situations, as you are generally required to make a police report at your destination, and in many countries, the police might not be willing to issue reports for something as trivial as a lost iPhone.

In addition, there are pretty tight limits for each category of items. So don’t wear your diamond-encrusted Rolex watch on your trip if your limit for watches is only $200.

In a nutshell, travel insurance should cover you for…

• medical costs incurred overseas and upon your return, including hospital stays
• costs of evacuation and repatriation if you need to be sent back to Singapore
• compensation for travel delays or disruptions that aren’t your fault
• compensation for cancellation of your trip
• compensation for delayed luggage
• compensation for loss of personal belongings or money, including lost luggage and passports

Unfortunately, you probably won’t be allowed to make claims for millions if you decide to see some celebrity doctor. Insurance companies usually require you to seek treatment from one of their approved doctors and hospitals, and there are limits on how much you can claim. So, make sure you don’t take liberties when incurring costs.

2. Travel insurance also covers pre-trip emergencies

Most people have no idea what travel insurance actually covers when they book it, which also means they might miss out on making claims they’re actually entitled to.

You’re covered by travel insurance from the minute you book your policy until you arrive at home and have collected all your belongings.

This means that if anything happens to prevent you from going on your trip after you’ve booked the tickets, you might be able to claim compensation.

You are obviously covered as you travel from Singapore to your destination.

But the protection continues in some ways after you land in Singapore at the end of your vacation as well. If your luggage gets lost on the way back, despite the fact that you can very easily just go back home where you have all your clothes and necessities waiting for you, you can still get compensation for the delay if it’s long enough.

3. Regular health insurance doesn’t fully cover travels

For many people, it’s the medical component of the travel insurance policy that they’re the most concerned about. Sure, it might be annoying to have to wait for a delayed flight or have your luggage delayed, but neither of them is going to bankrupt you.

And if you already spent one entire afternoon with your insurance agent trying to pick a medical insurance policy, why do you still need travel insurance?

If you have a medical insurance policy, it’s likely you’ll be able to make some claims for medical expenses incurred overseas. But you’ll have noticed that your existing policy contains some gaps that will end up in your having to fork out money.

If your medical insurance policy covers you only if you stay at least one night in a hospital, you might be out of luck if you have to see a doctor for emergency treatment that doesn’t warrant a hospital stay. For instance, while you might just stay home for a few days to recuperate back in Singapore, having a fever can wreck your entire holiday if you don’t see a doctor for medication.

Furthermore, while a visit to the polyclinic in Singapore might cost just $10, without the time to rely on an overburdened healthcare system overseas, you might find yourself paying top dollar for private healthcare.

If you are travelling to a remote area, falling sick or getting into an accident may mean being evacuated by helicopter or something similarly dramatic, or even flown back to Singapore. The cost of evacuation and repatriation is often not covered by traditional health insurance plans.

Basically, the crux is that there are certain things travel insurance covers that medical insurance doesn’t. And while the likelihood of these things happening is very remote, the costs can be insane.

4. Travel insurance isn’t cheap

Travel insurance in Singapore mostly automatically Covid-19 coverage these days. And that could only mean one thing – travel insurance is more expensive these days, post-Covid.

Here is a summary table of popular travel insurance plans’ premiums these days:

5. I’m travelling on budget, I don’t need travel insurance

When the travel bug bites but you’re so broke you need to take the MRT to Changi Airport the night before to catch your 5am flight, it’s tempting to travel in extreme budget mode.

Some of your extreme budgeting measures might include staying in hostels infested with sweaty, hormonal teenagers, treating convenience stores like restaurants, trying to trick the museum staff into thinking you’re young enough to receive the student discount and going without travel insurance.

All of the above are pretty much harmless except that last option.

The trouble is that, 9 times out of 10, skipping travel insurance seems like the easiest way to save money because, unlike swatting away a cockroach in your 1-star hotel room, you don’t actually feel any difference—until you need it and it’s too late.

6. What could possibly happen? I don’t need travel insurance

Have you ever wondered what could possibly happen if you didn’t buy travel insurance? Would you suddenly be able to see ghosts or would the world become bathed in psychedelic colours?

Well to be honest, most of the time, nothing will happen. But if you’re really unlucky, here are five situations that will have you shaking your fist at the sky:

Delayed or lost luggage

You might have painstakingly packed the chicest outfits you own for your debut on the streets of Paris, but all of that goes to the dogs if your luggage gets delayed or, worse, lost.

Sure, it’s not a life or death situation, but when you’re stuck in a foreign destination with only one set of underwear, it’s going to feel like the end of the world. Especially when you consider that insurance payouts for delayed baggage can be quite generous.

A few years back, my luggage got delayed by half a day when I was on the way back to Singapore. It was no biggie to me, since I had everything I needed at home anyway.

But thanks to my travel insurance, I got somewhere in the region of $500. I would have kicked myself for not buying insurance purely because I would have lost the chance to earn $500 for doing absolutely nothing.

Dental emergency

If you come down with the flu, a bit of downtime at the hotel can be the best cure. But when it comes to dental emergencies, whether you’re suffering from a broken tooth or a toothache, not seeing a dentist asap could either mean ruining your trip completely or looking like crap in all your holiday photos.

Every time I fly to another country, I always buy travel insurance. Except this one time when I was in Jakarta and I walked into a glass panel and chipped a tooth (true story, unfortunately).

Don’t ask me how it’s possible but between getting my leave approved and packing for a last minute trip, I completely forgot to buy insurance That. One. Time.

It wasn’t a serious accident so I waited till I was back in Singapore two days later to visit the dentist. It cost me $200 to get the tooth filled, money that I could have claimed from the insurance company if only I’d remembered to buy insurance. I’m still kicking myself because I’ve been buying travel insurance for years but the one time I forgot I could actually have used it.

Missing your connecting flight

If you’re a frugal traveller, I’m willing to bet you’ve found yourself trying to sleep at an airport at least once in your life thanks to the inconvenient layover on the discount air ticket you booked. It’s not fun.

Miss your connecting flight due to a prior delayed flight and your holiday might turn into a nightmare at the airport.

You can get quite a generous sum of money for suffering a missed connecting flight. The travel insurance company will usually cover the cost of accommodation and meals as you await the next available flight. This can add up to a few hundred dollars.

Sure, it’s not a matter of life and death. But when your fellow passengers are checking into a cushy hotel for the night and you’re stuck trying to make a bed out of the cold, hard airport floor, don’t say we didn’t warn you.

Getting pickpocketed

If you aren’t exactly the most street-smart of travellers, you might need travel insurance in case you get robbed or pickpocketed.

About a decade ago, I went to Spain with three friends. As four clueless Singaporean teenagers running around excitedly, we were sitting ducks. One friend got pickpocketed within 5 seconds of arriving in Madrid, the other lost a few hundred Euro thanks to a wily conman masquerading as a police officer.

Travel insurance usually covers you for theft, not only of money or personal belongings but also travel documents such as passports. It’s especially important that you be insured for loss of your passport, as it can cost a lot of money and extra hotel stays to get a new one.

Medical emergency

Perhaps, the biggest “ what ifs ” of all is this – overseas medical emergency. I’ve known of a friend of friend who got diagnosed with terminal cancer while travelling abroad. She was deemed unfit to fly and was stuck overseas. The only way the hospital allowed her to fly was via emergency medical evacuation – with doctors and equipment all that brought up with her in the skies.

How I knew? The entire circle of friends were spamming crowd funding fundraiser links all over social media. Then, I got to know the quoted medical evacuation bill was $200k and upwards. If she can’t fly, she can’t afford treatment there either. She can’t even make her way back to Singapore if she (touch wood) prefers to pass on at home.

That story will forever be etched in my head. Buy travel insurance with overseas medical expenses coverage and emergency medical evacuation.

7. I still refuse to buy travel insurance, how?

It’s ok if you don’t believe in travel insurance, really. Your money is yours and no one can tell you what to do with it.

In the event if you’re travelling without travel insurance, here are some travel tips we have:

•  Avoid check-in luggage:  Don’t pack any check-in luggage! No luggage, no stress. Instead, put everything you feel you need into your carry-on bag. Only the essentials, and never let that bag out of your sight. Buy whatever non-essentials you didn’t bring at your destination.
• Arrive at the airport a couple of hours early before your flight:  Reach the airport early before you’re scheduled to fly off. That way, you’ll have more than enough time to book an alternative flight or consider other options as soon as you find out that your original flight is delayed or cancelled.

That’s all, really. Medical emergencies and accidents? Pray.

8. Get cheaper travel insurance with promotions

Not all travel insurance policies are created equal. This means that if you don’t want to pay too much, you can opt for a more basic plan that costs less. This means the maximum amounts you can claim in each category will be lower. You also won’t receive coverage in certain areas such as pre-existing health conditions.

Otherwise, always seek out promo codes and existing travel insurance promotions before you click “Buy”. These travel insurance promos usually run throughout the year. You’ll always find a pretty good 30% or 40% discount off premiums.

Getting travel insurance for a week long trip costs the same amount as one or two touristy souvenir t-shirts. And you’ll probably look better without the t-shirts anyway.

Do you believe in travel insurance ? Let us know in the comments!

Baltimore's Key Bridge collapses after ship strike; construction crew missing: Live updates

BALTIMORE − A massive search effort stretched into Tuesday afternoon for six construction workers who were on the Francis Scott Key Bridge in Baltimore when it was struck by a cargo ship and collapsed into the frigid Patapsco River, shutting down a critical artery for East Coast shipping .

Around 1:30 a.m. a vessel named Dali struck the Key Bridge as it was leaving the Port of Baltimore, causing the span to collapse in seconds. Officials said the crew warned of a power issue and sent out a "mayday" before the collision. Footage of the incident shows the cargo ship smash into one of the columns before the bridge snapped, hit the water and partially fell on the ship, where a burst of flames and smoke could be seen rising into the night sky.

Several vehicles were on the bridge at the time of impact and plunged into the river, which was measured Tuesday at 48 degrees, cold enough to cause hypothermia. There were multiple contractors on the bridge who were repairing potholes, Maryland Transportation Secretary Paul Wiedefeld said. So far two people have been rescued. One was unharmed and the other remains in "very serious condition," he said.

Jennifer Homendy, chair of the National Transportation Safety Board, said at an afternoon news conference the agency will lead the investigation, but that she would not provide information on fatalities or injuries from the incident, leaving that to local authorities.

Asked the priority beyond the search-and-rescue operation being conducted by the Coast Guard, she said, “Right now it’s about people. It’s about families and addressing the needs of those that were impacted, that’s the focus.''

The ship's crew remained on the Dali, which needed to be assessed for damage before rescuers could board it, said James Wallace, chief of the Baltimore City Fire Department. The vessel was carrying cargo for the major shipping company Maersk and was headed for Sri Lanka.

A senior U.S. official who was not authorized to speak publicly told USA TODAY the ship apparently lost power a few minutes before striking the bridge. A federal report has confirmed that version of events , saying the crew lost its ability to control the vessel.

Developments:

∎  The University of Maryland Medical Center's trauma center treated one patient from the collapse who has been discharged, Michael Schwartzberg, the medical center's spokesperson, said in an email. Schwartzberg declined to say more about the person's injuries, citing patient privacy concerns.

∎  The National Transportation Safety Board is scheduled to hold a news conference about its investigation into the incident Tuesday afternoon.

∎ Baltimore Mayor Brandon Scott issued a state of emergency to better mobilize resources and work quickly to "address this crisis," he said in a post on X . The governor of Maryland issued a state of emergency earlier Tuesday.

Crew lost control as propulsion deserted ship, report says

The Dali lost propulsion leaving port and its crew lost control of the ship, prompting the crew to alert Maryland officials of a possible collision, an unclassified Department of Homeland Security report revealed Tuesday.

An official who spoke on condition of anonymity confirmed to USA TODAY that the DHS cybersecurity agency is working with federal, state and local officials "to understand the potential impacts of this morning’s collapse of the Francis Scott Key Bridge."

This was not the Dali's first harsh encounter with a pier, and that time its leadership was determined to be at fault. It's too early to know what caused Tuesday's accident.

The cargo ship that  struck the Francis Scott Key Bridge  collided with a shipping dock in Belgium in 2016. That incident occurred as the Dali was leaving port in Antwerp and hit a loading pier made of stone, causing damage to the ship’s stern, according to the VesselFinder.com website, which tracks ships across the world. An investigation determined a mistake made by the ship’s master and pilot was to blame.

No one was injured in that crash, although the ship required repair and a full inspection before being returned to service. The pier – or berth – was also seriously damaged and had to be closed.

− Josh Meyer, Emily Le Coz and Claire Thornton

What did the most recent inspection report say about the bridge?

Baltimore’s Francis Scott Key Bridge was listed in overall fair condition in 2021, the most recent inspection report in the Federal Highway Administration’s  National Bridge Inventory  at the time of its  collapse early Tuesday morning . 

However, the database noted that, “Bank protection is in need of minor repairs. River control devices and embankment protection have a little minor damage. Banks and/or channel have minor amounts of drift.” 

Other structural elements showed  “some minor deterioration”  but were otherwise listed in satisfactory condition.

− Cecilia Garzella and Yoonserk Pyun

'We're with you': Biden says federal government will rebuild bridge

President Joe Biden said he intends for the federal government to cover the entire cost to rebuild the Key Bridge, and he committed not to leave “until this job gets done.”

“We're with you. We're going to stay with you as long as it takes,” Biden said Tuesday afternoon from the White House Roosevelt Room.

Biden said he spoke with Maryland Gov. Wes Moore and other local and state officials about the bridge’s collapse, and said he would visit the site in the future. “I told them we're going to send all the federal resources they need as we respond to this emergency − I mean all the federal resources. And we're going to rebuild that port together.”

Biden said eight people remain unaccounted for, but the figure might change. Two people were rescued. "Everything so far indicates that his was a terrible accident,” Biden said, adding there’s no reason to believe it was intentional.

“Our prayers are with everyone involved in this terrible accident and all the families, especially those waiting for news of their loved ones right now,” Biden said. “I know every minute in that circumstance feels like a lifetime.”

Biden said the ongoing rescue operation remains the top priority but relayed that he told Moore he has directed his team to “move heaven and earth to reopen the port and rebuild the bridge as soon as humanly possible."

− Joey Garrison

Crewman reports all on board Dali are safe

This past weekend, Andrew Middleton took the ship's captain and a crewman shopping at a nearby Walmart. Since 9/11, international crews have to be escorted by a vetted person through most port areas, and Middleton said it's fairly common for crews like the Dali's to request assistance from the Apostleship of the Sea Baltimore Stella Maris International Seafarers' Center, where he is the director. The group is part of the Catholic Church's Archdiocese of Baltimore.

"They were by all appearances in good spirits," Middleton said, and they chatted in his van about the ship's planned 28-day voyage around the Horn of Africa to Sri Lanka. Middleton said crews usually buy personal toiletries and snacks before long trips.

Middleton woke up Tuesday morning to the shocking news the ship hit the bridge, and he immediately messaged one of the crewmen via WhatsApp. "My question to him was, 'Is everyone OK?' And the answer was, 'Yes sir, everyone is safe,'" Middleton told USA TODAY.

The crew is still aboard the ship while authorities assess the situation. Middleton said he's prepared to send them any supplies they need if they're stuck aboard for an extended period. And he said he's making plans to help them once they're freed and returned to shore. He said he expects the Dali will be towed back into the harbor and docked for a damage assessment. Middleton added that he worries both about the missing workers from the bridge and also the port workers who may be temporarily unemployed if the harbor gets shut down.

"Obviously, this incident has a large impact on the port community,'' he said. "If this extends a long period of time, we're going to have longshoreman and stevedores who are not working, tugboat crews who are not working. It has the potential, if it becomes a drawn-out event, to affect many lives."

− Trevor Hughes

'It's devastating to the city'

Greg Trenchard, 43, awoke Tuesday to a flurry of text messages and missed calls from his out of state relatives checking in on him after hearing about the Key Bridge collapse.

“I’ve driven over it 100 times and now to see that it’s gone is pretty crazy,” he said Tuesday.

Trenchard, an auditor, said he then tried to make his way to Fort Armistead Park, where he’d come many times before to take photos of the bridge at sunrise and sunset. But the normally quick drive took nearly 40 minutes due to the traffic detours, and a police roadblock next to Royal Farms, a convenience store, about a mile and half from the park stopped him from getting any closer to the scene.

“It’s a blow,” he said of the collapse. “It’s devastating to the city, it’s devastating to port traffic and everything they’re trying to do to revitalize the shipping industry in Maryland and keep that going.”

– N'dea Yancey-Bragg

Air, land and water search underway

Multiple local, state and federal agencies are coordinating the massive search, which spans a vast section of the river – both above and below the surface of the water – and the ship itself, Wallace said. Divers, helicopters and sonar technology were being used and had located several vehicles submerged in the river, which is about 50-feet-deep where the bridge collapsed.

"This water is current influenced, so right now we think the tide is coming back in," he said.

Maryland Gov. Wes Moore declared a state of emergency and said he is working with an interagency team to "quickly deploy federal resources from the Biden Administration."

"This is an unthinkable tragedy," Baltimore Mayor Brandon Scott said at a news conference.

Expert says river current makes search more difficult

Jim Bellingham, the executive director for the Johns Hopkins Institute for Assured Autonomy and expert in marine robotics lives in nearby Fells Point, and talked to USA TODAY about some of the challenges faced by rescuers.

“Nothing is staying put in the ocean,” he said. “Everything is moving” in the Patapsco River, a tidal estuary, which presents just one difficulty for rescue efforts. Rescuers would have to determine the speed and direction of the current to figure out where to search – toward Baltimore Harbor, or out toward the Chesapeake Bay.

Bellingham said it’s likely any workers who may have been on the bridge would have been wearing reflective vests and even flotation devices that would improve visibility in the dark river. They might also have flares, and are more easily spotted by rescue helicopters.

Rescuers are using sonar, lights, cameras and robotic machinery as well as human divers, but Bellingham said divers would face their own risks, as the wreckage might not be stable.

The longer the search goes on, the less likely rescuers are to find survivors, given the temperature of the water, and the likelihood of people being trapped with little to no air. But Baltimore, with many Navy and Coast Guard facilities and military contractors nearby, might be as well prepared to deal with the disaster as any place.

“Their job is to rescue people,” Bellingham said. “They want to believe they can do that, and there’s a tendency not to want to give up.”

– Phaedra Trethan

Cargo ship was headed for Sri Lanka

The container vessel was chartered by the major shipping company Maersk and was carrying its cargo, according to a statement from the company. When it crashed into the bridge, no Maersk crew and personnel were onboard the vessel, which is operated by charter vessel company Synergy Group and owned by Singapore-based Grace Ocean Pte.

The Dali was slated to arrive April 22 in Sri Lanka, according to MarineTraffic, a global ship tracking service.

"We are horrified by what has happened in Baltimore, and our thoughts are with all of those affected," Maersk said in a statement. "We are closely following the investigations conducted by authorities and Synergy, and we will do our utmost to keep our customers informed."

Synergy Marine Corp said the Dali collided with one of the pillars of the bridge and that all its crew members, including two pilots, have been accounted for and there were no reports of any injuries.

U.S. Coast Guard Lt. Cmdr. Erin Palmer said at a news conference Tuesday that the agencies remain focused on search-and-rescue. She did not comment on the crew of the ship or provide additional details about the collision.

All vessel traffic in and out of the Port of Baltimore was suspended until further notice, but the port is still open for truck transports, Wiedefeld said. Traffic, meanwhile, is being diverted from the area around the Key Bridge.

Baltimore port closed to ships 'until further notice'

Shortly after the bridge collapse, the Port of Baltimore suspended vessel traffic “until further notice,” according to its website.

“This does not mean the Port of Baltimore is shut down. We are still processing trucks inside of our terminals,” the statement said.

But Bloomberg reported that the port “looks to be out of commission indefinitely.”

At least 40 ships are now more or less trapped inside the port, according to Reuters. At least 30 other ships planned to arrive there.

“They will likely have to reroute shipping to other ports on the East Coast,” said Kevin Linderman, a professor and supply chain expert at Pennsylvania State University. “However, this will put additional demand on these ports, and shippers may not be able to access US markets” as efficiently, he said.

“One critical question is, can the other ports handle the products that were destined to Baltimore?”

– Daniel de Visé

Will the Baltimore bridge collapse impact cruises?

Baltimore is a destination for several major cruise lines. According to the Cruise Lines International Association, the industry’s leading trade group, published itineraries in the 2024 calendar year include a dozen ships making 115 stops in Baltimore.

Royal Caribbean and Carnival have April sailings that could be impacted by the bridge collapse, according to their websites. 

Carnival told USA TODAY it was premature to comment on impacts to future sailings.

American Cruise Lines has roundtrip sailings from Baltimore scheduled in May, according to its website. The cruise line told USA TODAY their schedules remain unaffected but will make adjustments if needed to future cruises.

Norwegian Cruise Line doesn’t appear to have any Baltimore sailings until September.

– Eve Chen and Nathan Diller

Will the port shutdown affect consumer goods, prices?

Several big firms have distribution warehouses near the port, including Amazon and FedEx, one analyst noted in a tweet on X.  

Even so, some analysts predict only a minimal impact on the movement of goods up and down the East Coast from the bridge collapse.

Baltimore’s port holds just 4% of all East Coast trade volume, according to S&P Global. New York’s port, by contrast, does 38% of that business.

Yet, the port offers the deepest harbor in Maryland’s Chesapeake Bay, is closer to the Midwest than any other East Coast port, and is within an overnight drive of one-third of the US population, according to the port website .

The port boasts five public and 12 private terminals. In 2023, it ranked first in the nation in handling automobiles and light trucks. 

“For the American consumer, the biggest impact will be felt in terms of imported motor vehicles,” said Jason Miller, a business professor at Michigan State University. If sales remain strong, he said, “we could see inventories drop on the lots of dealers that sell imported vehicles until alternative arrangements can be made. This could increase motor vehicle prices for some makes and models.”

Alternate routes around collapsed Baltimore bridge

The Maryland Transportation Authority was suggesting drivers take Interstate 95 or Interstate 895 as alternatives to the collapsed Francis Scott Key Bridge along Interstate 695.

“I-695 Outer Loop closed at MD 10 (exit 2) and Inner Loop closed at MD 157/Peninsula Exp (exit 43),” MDTA said in a post on X.

Drivers could take several other, longer routes around Baltimore, but I-95 (Fort McHenry Tunnel) and I-895 (Baltimore Harbor Tunnel) are the most direct alternatives across the water.

There are few exceptions.

MDTA notes, vehicles carrying hazardous materials, including more than 10 pounds of propane, are not allowed in the tunnels. Additionally, vehicles more than 13-feet and 6-inches high or 8-feet wide may not use the 1-895 Baltimore Harbor Tunnel. Vehicles more than 14-feet and 6-inches high or 11-feet wide may not use the I-95 Fort McHenry Tunnel.

Those vehicles should use the western portion of I-695 instead.

How cold is the Patapsco River?

The Patapsco River is about 50 feet deep where the ship hit the bridge, officials said during a press conference Tuesday morning. Part of the 39-mile river helps form the Baltimore Harbor, just northwest of the bridge collapse, and it flows out to the Chesapeake Bay.

A buoy in the Patapsco River indicated the water temperature Tuesday morning was currently about 47 degrees, while the air is around 41 degrees, according to the National Oceanic and Atmospheric Administration . Whereas hypothermia is thought to occur at very cold temperatures, it can occur in waters below 70 degrees, according to the Centers for Disease Control and Prevention .

Key Bridge collapse draws comparisons to Florida's Sunshine Skyway Bridge collapse

In 1980, a Florida bridge also collapsed after a ship collided with it, leading to the deaths of 35 motorists and bus passengers.

A 1,200-foot chunk of the Sunshine Skyway bridge – which connects St. Petersburg and Bradenton – collapsed after the massive Summit Venture freighter slammed into one of its central support piers.

When the section of the bridge fell into Tampa Bay, it took a truck, seven cars and a Greyhound bus with it.

The Herald-Tribune, part of the USA TODAY Network, reported the crash happened during an intense thunderstorm , with winds reaching 80 mph and heavy rain. At the time, visibility was near-zero, according to local historians who made a documentary film about the collapse.

After the collapse, the freighter remained stuck beneath the bridge, with part of the roadway on top of its bow. Photos from the time also show how one motorist was able to skip his car to a stop just inches away from where the bridge fell into the water.

-Claire Thornton

How vital is the Francis Scott Key Bridge?

The Francis Scott Key Bridge, named for the author of the "Star Spangled Banner," is a 1.6-mile, 4-lane bridge that crosses over the Patapsco River, according to the MDTA. It opened in 1977.

The port’s private and public terminals handled 847,158 autos and light trucks in 2023, the most of any U.S. port. The port also handles farm and construction machinery, sugar, gypsum and coal, according to a Maryland government website.

The span is the outermost of three major Patapsco River crossings at Baltimore Harbor, according to the American Civil Engineering Society. The steel-arched bridge, with a total length of 8,636 feet, was the second-longest continuous-truss bridge span in the world when it was built and remains the second longest in the United States and third in the world, according to the society .

Contributing: Reuters; Tom Vanden Brook, Eduardo Cuevas , USA TODAY

What we know about the container ship that crashed into the Baltimore bridge

• The ship that crashed into the Francis Scott Key Bridge on Tuesday was the Singapore-flagged Dali.
• The container ship had been chartered by Maersk, the Danish shipping company. 
• Two people were recovered from the water but six remain missing, authorities said.

A container ship crashed into a major bridge in Baltimore early Tuesday, causing its collapse into the Patapsco River.

A livestream showed vehicles traveling on the Francis Scott Key Bridge just moments before the impact at 1:28 a.m. ET.

Baltimore first responders called the situation a "developing mass casualty event" and a "dire emergency," per The Associated Press.

James Wallace, chief of the Baltimore Fire Department, said in a press conference that two people had been recovered from the water.

One was uninjured, but the other was transported to a local trauma center in a "very serious condition."

Wallace said up to 20 people were thought to have fallen into the river and some six people were still missing.

Richard Worley, Baltimore's police chief, said there was "no indication" the collision was purposeful or an act of terrorism.

Wes Moore, the governor of Maryland, declared a state of emergency around 6 a.m. ET. He said his office was in close communication with Pete Buttigieg, the transportation secretary.

"We are working with an interagency team to quickly deploy federal resources from the Biden Administration," Moore added.

Understanding why the bridge collapsed could have implications for safety, in both the shipping and civil engineering sectors.

The container ship is the Singapore-flagged Dali, which is about 984 feet long, and 157 feet wide, per a listing on VesselFinder.

An unclassified Cybersecurity and Infrastructure Security Agency report said that the ship "lost propulsion" as it was leaving port, ABC News reported.

The crew notified officials that they had lost control and warned of a possible collision, the report said, per the outlet.

The Dali's owner is listed as Grace Ocean, a Singapore-based firm, and its manager is listed as Synergy Marine, which is also headquartered in Singapore.

Shipping news outlet TradeWinds reported that Grace Ocean confirmed the Dali was involved in the collapse, but is still determining what caused the crash.

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Staff for Grace Ocean declined to comment on the collision when contacted by Business Insider.

"All crew members, including the two pilots have been accounted for and there are no reports of any injuries. There has also been no pollution," Synergy Marine said in a statement.

The company did not respond to a request for further comment from BI.

'Horrified'

Maersk chartered the Dali, with a schedule for the ship on its website.

"We are horrified by what has happened in Baltimore, and our thoughts are with all of those affected," the Danish shipping company said in a statement.

Maersk added: "We are closely following the investigations conducted by authorities and Synergy, and we will do our utmost to keep our customers informed."

Per ship tracking data, the Dali left Baltimore on its way to Colombo, the capital of Sri Lanka, at around 1 a.m., about half an hour before the crash.

The Port of Baltimore is thought to be the largest in the US for roll-on/roll-off ships carrying trucks and trailers.

Barbara Rossi, associate professor of engineering science at the University of Oxford, told BI the force of the impact on one of the bridge's supporting structures "must have been immense" to lead to the collapse.

Dr Salvatore Mercogliano, a shipping analyst and maritime historian at Campbell University, told BI: "It appears Dali left the channel while outbound. She would have been under the control of the ship's master with a Chesapeake Bay pilot onboard to advise the master.

"The deviation out of the channel is probably due to a mechanical issue as the ship had just departed the port, but you cannot rule out human error as that was the cause of the Ever Forward in 2022 just outside of Baltimore."

He was referring to the incident two years ago when the container ship became grounded for a month in Chesapeake Bay after loading up cargo at the Port of Baltimore.

The US Coast Guard found the incident was caused by pilot error, cellphone use, and "inadequate bridge resource management."

Claudia Norrgren, from the maritime research firm Veson Nautical, told BI: "The industry bodies who are here to protect against incidents like this, such as the vessel's flag state, classification society, and regulatory bodies, will step in and conduct a formal investigation into the incident. Until then, it'll be very hard for anyone to truly know what happened on board."

This may not have been the first time the Dali hit a structure.

In 2016, maritime blogs such as Shipwreck Log and ship-tracking site VesselFinder posted videos of what appears to be the stern of the same, blue-hulled container vessel scraping against a quay in Antwerp.

A representative for the Port of Antwerp told BI the Dali did collide with a quay there eight years ago but couldn't "give any information about the cause of the accident."

The Dali is listed as being built in 2015 by Hyundai Heavy Industries in South Korea.

Watch: The shipwreck at the center of a battle between China and the Philippines

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How the Key Bridge Collapsed in Baltimore: Maps and Photos

By Weiyi Cai ,  Agnes Chang and Lauren Leatherby

On Tuesday, a major bridge in Baltimore collapsed into the water seconds after it was struck by a cargo ship, sending vehicles on the bridge into the river below. The cause of the strike has yet to be determined.

The ship, a 948-foot-long cargo vessel called Dali, was about a half hour into its journey toward Colombo, Sri Lanka, when it hit a main pillar of the bridge. All crew members are safe, according to the ship owners.

A mayday call from the ship gave officials enough time to stop traffic at both ends of the bridge. The waters where the bridge collapsed are about 50 feet deep. By Tuesday morning, six construction workers who had been fixing potholes on the bridge remained missing as divers and other emergency workers on boats and helicopters continued to search for them. Two others had been rescued, and one was in the hospital.

Francis Scott

Patapsco River

The ship left the Port

of Baltimore around

1 a.m. on Tuesday.

Where impact occurred

Direction of the ship

The ship hit the

bridge at 1:28 a.m.

The ship hit the bridge at 1:28 a.m.

Where impact

Sources: Spire Global, Google Earth

The New York Times

The lights of the ship flickered on and off as it lost power in the minutes before the ship changed bearing and hit the bridge.

Ship approached from

the Port of Baltimore

Road repair crews

Ship changed heading

as it neared pillar

Ship made impact

with pillar

Southern and central spans

of bridge began to collapse within

seconds of impact

Northern span began to

collapse seconds later

Within 30 seconds of impact,

the central part of bridge had

entirely collapsed.

Source: StreamTime Live via YouTube

Timestamps are from StreamTime Live video.

The Francis Scott Key Bridge was built in 1977 and carried more than 12.4 million vehicles last year. The bridge was one of the three major ways to cross the Patapsco River and formed part of Baltimore’s beltway.

Gov. Wes Moore declared a state of emergency for Maryland and said that his office was in close communication with Pete Buttigieg, the U.S. transportation secretary. The White House issued a statement saying that President Biden had been briefed on the collapse.

Tasos Katopodis/Getty Images

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