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• Best Travel Insurance in Singapore 2024

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

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

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

Looking for the best travel insurance in Singapore?

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

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

Best Value Travel Insurance in Singapore

• Allianz Travel : .

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

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

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

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

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

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

Travel Insurance with the Best Coverage & Benefits

• Allianz Travel: .

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

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

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

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

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

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

Best Travel Insurance for Pre-Existing Medical Conditions

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

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

Cheapest Travel Insurance for ASEAN Destinations

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

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

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

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

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

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

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

Cheapest Travel Insurance for Asia Destinations

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

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

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

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

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

Cheapest Travel Insurance for Global Destinations

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

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

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

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

Best Annual Travel Insurance Plans

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

Cheapest Annual Travel Insurance

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

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

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

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

Best Value Annual Travel Insurance

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

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

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

Why Do I Need Travel Insurance?

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

How to Choose the Best Travel Insurance

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

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

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

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

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

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

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

• Heart Attack
• High Blood Pressure

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

Alternatives to Travel Insurance

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

Methodology

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

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

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

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Our Top Travel Insurance

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• Best Insurance Companies in Singapore

Keep up with our news and analysis.

Stay up to date.

Featured Travel Insurance Companies

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

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• Why You Need Travel Insurance
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• Travel Insurance
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• Korea, Republic of
• United States
• Afghanistan
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[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply

Are your trip details correct?

Destination: Thailand

Duration: 22 May 2024 - 24 May 2024

FWD Premium

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

DirectAsia Voyager 1000 Annual Plan

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]    • Enjoy 40% off your policy premium • Receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

Great Eastern TravelSmart Premier Classic

[MoneySmart Exclusive]    • Enjoy up to   40% off your policy premiums • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.

Singlife Travel Plus

[Receive your cash as fast as 30 days*]    • Enjoy up to 28% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

AIG Travel Guard® Direct - Supreme

[Receive your cash as fast as 30 days*]    • Get up to S$220 worth of cash and rewards with eligible premiums spent. • Additionally, receive an Eskimo Global 1GB eSIM with every policy purchased.  T&Cs apply.

Allianz Travel Basic

[Receive your cash as fast as 30 days*]   • Enjoy an exclusive 57% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

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

Total Premium*

The Wise Traveller Premium

Starr TraveLead Comprehensive Bronze

Great Eastern TravelSmart Premier Elite

Allianz Travel Platinum

DirectAsia Voyager 250 Annual Plan

The Wise Traveller Secure

FWD Business

AIG Travel Guard® Direct - Enhanced

Starr TraveLead Comprehensive Gold

Allianz Travel Silver

Singlife Travel Lite

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Buy Travel Insurance Plan Online

What customers say about their travel insurance purchase, review by doreenngsk ng.

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What Do Travel Insurance Plans Cover?

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

Overseas medical expenses

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

In-hospital cash overseas or allowance

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

Emergency medical evacuation and emergency medical repatriation

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

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

Trip cancellation/alteration/interruption/delay

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

Pre-existing conditions

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

Does Travel Insurance Cover Cancelled Flights?

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

Flight Cancellation Due to Known Event

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

Flight Cancellation with Refund / Replacement

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

You Cancelled Your Own Flight / Trip

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

Different Types Of Travel Insurance Coverage

Single trip plans.

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

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

Annual Multi-trip plans

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

Individual plans

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

Family plans

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

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

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

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

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

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

How Do I Choose The Best Travel Insurance?

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

Check general coverage

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

Compare policy premiums

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

Special activities coverage

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

Consider the trip duration

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

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

Best Travel Insurance Plans in Singapore Benefits Coverage

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Travel Tips

• Travel Essential Packing List 101
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• Travel Safety: Tips for Women, LGBTQ+, and Persons with Disabilities
• Best Travel Insurance Plans For Female Solo Travellers
• Should I get travel insurance from all-in travel agency packages?
• Moneysmart's Travel Insurance Promotion
• Starter Guide :How To Claim Travel Insurance
• Top 5 Reasons Why Travel Insurance Claims Are Rejected
• Are Travel Aggregators Harder to Claim From?

Travel Surveys

• Top 12 Airlines With Most Cancellations and Delays

Travel Insurance Claims

How do travel claims work.

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

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

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

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

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

Receive an acknowledgement email and await for settlement

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

Frequently Asked Questions

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

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

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

Are family travel insurance plans cheaper?

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

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

Does travel insurance cover flight cancellation due to illness?

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

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

Compare Best Travel Insurance Plans in Singapore 2024

Get the best and cheapest travel insurance in Singapore for single and annual trips from AMTD PolicyPal! We recommend that you buy your travel insurance as soon as you confirm your travel plans to protect yourself from expenses incurred due to unforeseen travel disruptions.

MSIG TravelEasy Standard Asean

Overseas Medical

Travel/Trip Delay

Loss/Damage of Baggage

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Post Trip Medical

Trip Cancellation

Delayed Baggage

Rental Vehicle Excess

Terrorism Cover

(COVID-19) Overseas Medical Expenses

(COVID-19) Trip Cancellation

(COVID-19) Trip Postponement

(COVID-19) Overseas Daily Quarantine Benefit

Leisure Activities

Hiking (<3000m)

Scuba Diving (certified)

Skiing (within marked boundaries)

Bungee Jumping

Policy Brochure

Policy Wordings

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

Tiq Travel Entry Asean

Travel Delay

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Scuba Diving

Skiing (Piste)

Allianz Travel Bronze Asean

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Accidental Death

FWD Travel Premium Asean

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Optional Coverage/ Add-Ons

Policy Wording

COVID-19 Enhanced Travel Benefits Policy Wording

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

• Use promo code PPVTL50 to get 50% discount when you BUY NOW!

24H Global Emergency Assistance Service

Compassionate Death Cash

Cruise Vacation

Singlife Travel Insurance Lite Asean

• Use promo code FLY28 to get 28% discount when you buy NOW!
• Use promo code ANNUAL25 to get 25% discount when you buy NOW!

Optional/ Add-On

Cannot find what you are looking for? Please reach out to us at " [email protected] "

Compare Best Travel Insurance Plans 2024 by Insurance Providers

What does travel insurance cover is it necessary.

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

Medical coverage

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

Flight delay or cancellation

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

Natural disaster protection

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

Protect your belongings

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

Does travel insurance cover COVID-19?

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

How do you compare travel insurance policies?

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

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

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

Travel disruption coverage

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

Pre-existing conditions

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

Adventure activities

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

How do you make travel insurance claims?

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

Emergency assistance

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

Personal accident / medical expenses

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

Travel disruption / cancellation

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

Lost / damaged personal belongings

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

Rental vehicle expenses

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

Frequently asked questions

Which are the best travel insurance companies.

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

Which travel insurance is cheapest?

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

Is your credit card's free travel insurance enough?

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

Can foreigners buy travel insurance in Singapore?

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

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

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

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

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

When should I buy travel insurance?

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

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

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

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

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

Why buy travel insurance from us?

Value for money.

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

Customer-oriented

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

Time-saving

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

Compare Best Travel Insurance Plans 2024 by Coverage

Compare best travel insurance plans 2024 by prices.

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

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

Important Notice

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

current promotion

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

How to participate.

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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 Claim Discount

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

Greater Flexible Coverage

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

Stay Protected From Travel Inconvenience

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

Enhanced Benefits of our Travel Insurance

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

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

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

  Hassle-Free Claims

Customer Review by Jack Wong

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

  Prompt And Excellent Service

Customer Review by H L

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

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

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

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

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

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

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

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

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

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

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

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

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

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

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

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

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

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

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

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Q: Is dental treatment covered while I am overseas?

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

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

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

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

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

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

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

Q: How to buy travel insurance from HL Assurance?

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

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

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

Q: Can I buy travel insurance after departure?

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

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

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

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

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

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

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

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

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

Q: What does COVIDSafe Travel Protect360 Insurance cover?

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

All plans cover the following travel benefits:

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

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

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

File a travel insurance claim, claims procedure and documentation.

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

Common documents required for all Travel Insurance Claims:

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

Supporting documents needed when making a claim for:

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

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

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

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

Thank you for insuring with us.

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Why Travel Cover

Quick and easy.

Get an instant quote and purchase our affordable travel insurance directly in the Grab App. Simply indicate your trip duration, destination and who the coverage is for. Your travellers' information will automatically be saved for future purchases.

Travel insurance benefits

Whether you’re on a trip overseas or a cruise to nowhere, we’ll cover you for overseas medical expenses, travel delays, lost baggage and more!

Great value

With premiums starting as low as S$3.90 a day, why wait? Buy travel insurance online through the Grab App right away.

Price per day

Worldwide excluding USA, Canada, Cuba

Worldwide excluding cuba, travel insurance benefits, claim limit.

Accidental Death & Disablement

Overseas Medical Expenses (Covers COVID-19)

Emergency Medical Evacuation and Repatriation (Covers COVID-19)

Journey Cancellation and Curtailment (Covers COVID-19)

Loss of or Damage to Personal Property and Baggage

24-Hour Travel and Medical Assistance

Got questions? We’ve got answers.

For more questions, please visit our Help Centre .

No, you’ll need make your purchase before departing Singapore.

Yes, simply purchase a new policy to cover the extended dates. This purchase must be done before or during your trip. Do remember to provide all policy numbers when making a claim.

• You’ll be glad to hear that cover starts from the time you leave your home in Singapore to go directly to your departure point, or 3 hours before the scheduled departure time of the carrier in which you have arranged to travel, whichever is later.
• Coverage stops when you return to your place of residence in Singapore, or 3 hours after the scheduled arrival time of the carrier in which you travel, or the date on which the policy is terminated, whichever is the earliest.

Pregnancy-related conditions The policy does not offer coverage for any pregnancy-related condition that results from or is a complication of pregnancy, childbirth, miscarriage (except miscarriage due to accidental injury).

Pre-existing illnesses You won’t be covered for any pre-existing medical conditions which you have been diagnosed, treated, and knew about before the effective date of the policy.

Terrorism In the event of a claim arising directly from an act of terrorism, the policy covers you whilst you are on a journey. Coverage applies to all benefits other than journey cancellation, provided that it does not involve the use of biological agents, chemical agents or nuclear devices.

Adventurous activities

• You are covered for activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognised local tour operator are covered. You should be acting under the guidance and supervision of qualified guides and/or instructors of the tour operators when carrying out such tourist activities
• The policy does not cover any sports or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra-marathons, biathlons, triathlons and stunt riding

COVID-19 You will enjoy COVID-19 benefits if your policy was purchased on or after 9 November 2021

Please call the 24-hour hotline at +65 6839 2922 for immediate support. Chubb's Assistance team is always ready to help.

Must-have travel insurance at a great value

Get Travel Cover

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Upsize your protection for your Grab rides

Advance Booking

Pre-book a guaranteed, stress-free ride to the airport.

Travel Cover is underwritten by Chubb Insurance Singapore Limited. Co. Regn. No. 199702449H and distributed by A3 Insurance Broker (S) Pte. Ltd., a wholly owned subsidiary with the Grab Group of Companies.

About Chubb Insurance Singapore Limited Chubb is the world’s largest publicly traded property and casualty insurer. Chubb Insurance Singapore Limited, via acquisitions by its predecessor companies, has been present in Singapore since 1948. Chubb in Singapore provides underwriting and risk management expertise for all major classes of general insurance, including Property & Casualty, Marine, Liability, Financial Lines and Group Personal Accident insurance. As one of the leading providers of Accident & Health insurance through direct marketing, the company partners with financial institutions and other companies to tailor individual policies for their clients and employees. In addition, it offers a suite of customised Personal & Specialty insurance solutions to meet the needs of consumers. Over the years, Chubb in Singapore has established strong client relationships by delivering responsive service, developing innovative products and providing market leadership built on financial strength.

More information can be found at www.chubb.com/sg .

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Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Family Travel Insurance
• Schengen Travel Insurance
• International Health For Individuals
• International Health for SME
• Travel Insurance Promotion
• COVID-19 Alerts

Travel Insurance

Travel Insurance Singapore

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

50% off Travel Insurance Plan

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

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

Travel Insurance with Selected Covid-19 Coverage*

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

Travel Insurance Catered to Different Needs

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

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

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

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

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

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

^Terms & Conditions.

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

The promotional code 'flash50'

1. is valid until 28 May 2024

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

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

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

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

Allianz Assistance Singapore

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

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Designed for essential travel and medical coverages only

From S$ 17.50

Well-balanced coverages for most type of travels

Inclusive of an extensive scope of travel protection

Core Benefits

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

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

With Selected Covid-19 Coverage*

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

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

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

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

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

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

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

With Selected Covid-19 Coverage

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

Search and Rescue: S$ 10,000

More Benefits

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

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

Trip Incident include

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

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

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

For one-off trips

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

For family trips

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

For frequent travellers

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

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

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

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

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

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

Selected Covid-19 Cover* Travel Insurance

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

Emergency Medical

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

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

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

Up to S$ 1,500

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

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

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

Up to S$ 10,000

Trip Incident

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

Up to S$ 1,600

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

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

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

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

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

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

Discover Our Travel News & Tips

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

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

Pre-Travel Checklist for a Worry-Free Trip

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

Understanding Travel Insurance Terms and Exclusions

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

Travelling to EU Countries with Allianz Travel Singapore

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

Tips for Planning a Budget-Friendly Travel Adventure

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

Solo Travel Safety Tips for Adventurous Solo Explorers

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

Family Travel Insurance for Your Loved Ones

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

Travelling to Australia with Singapore Travel Insurance

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

Single Trip vs Annual Multi-Trip Travel Insurance

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

Annual Travel Insurance for Frequent Flyers

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

How Travel Insurance Saves You Unexpected Medical Expenses

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

The Importance of Travel Insurance Protection

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

Essential Tips for Choosing the Right Travel Insurance Plan

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

What to Expect After Submitting Travel Insurance Claims

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

Can I Participate in Risky Activities While Travelling

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

What Documents Do I Need to Claim Travel Insurance?

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

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

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

e-mail: [email protected]

For customer service

call: +65 6327 2210 

Allianz Travel: How Can We Help?

24 hour emergency assistance.

Get Your Quote Now

Travel insurance Singapore with Covid 19 Add ons | Tiq Singapore

Tiq Travel Insurance

Coverage | Resources | FAQs

Tiq Travel Insurance Promotion

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

Chinese New Year Promotion 2024

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

Travel Advisory

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

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

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

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

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

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

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

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

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

Your Best Travel Partner

• Most Popular Travel Insurance Company
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Why Tiq Travel Insurance?

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

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

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

Before your trip

During your trip

After your trip

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

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

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

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

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

Example of pre-existing medical conditions

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

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

Frequently Asked Questions

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

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See what our customers say, important notes:.

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

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• About Chubb Travel Insurance
• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• COVID-19 Cover
• Preparing to Travel
• At Your Destination
• When the Unexpected Happens
• Planning Your Travel
• Chubb Assistance
• Relating to COVID-19 Cover
• Types Of Plan & Eligibility
• Medical Cover
• Baggage Cover
• Sports And Sporting Equipment
• Trip Cancellation

Personalise your travel insurance coverage

Chubb travel insurance has got you covered with plans for every type of traveller enjoy 20% off now*, *valid from 1 may 2024 to 16 june 2024. click here for the terms and conditions., 4 plan types with customisable benefits catered to every traveller, destination and budget.

Our most affordable plan with basic coverage, especially tailored for travellers heading to Batam, Bintan, and Malaysia.

A starter plan for worldwide travels (excluding Cuba) with higher coverage limits than our Saver Plan.

The most popular option for both leisure and business travellers as it offers comprehensive benefits and cover limits.

Our most comprehensive plan with extensive range of cover and the highest coverage limits.

Why choose Chubb?

Quality travel cover at an affordable price.

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to travellers. We have plan option for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, fair and efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome, and can help to deliver an improved result.

Access to a global team of travel experts

Purchasing travel insurance from Chubb means access to a truly global network. In addition to our wealth of local expertise, Chubb's operation in Singapore is backed by our extensive global travel network and breadth of resources to serve your every need.

24-hour overseas emergency assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance, our 24-hour overseas emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

Travel Smarter with Chubb Travel Insurance. Get an instant quote now!

You may contact us via the following:.

Chubb Insurance Singapore Limited

138 Market Street

Level 11-01 CapitaGreen

Singapore 048946

Chubb Travel Insurance Customer Service

For general enquiries and claims, call (65) 6398 8776 (Mondays to Fridays, 9.00am-5.00pm,excluding Public Holidays)

For 24-hour overseas emergency assistance,call (65) 6836 2922

Chubb Worldwide Offices

For the mailing address, telephone

number and email address of any Chubb

office in our global network, use our

office locator.

Chubb. Insured.™

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©   Chubb Insurance Singapore Limited. This policy is underwritten by Chubb Insurance Singapore Limited. Co. Regn. No. 199702449H. Full details of the terms, conditions and exclusions of this insurance are provided for in the policy documentation. Please read our  Terms of Use ,  Licensing Information  and  Privacy Policy .

Travel Essentials Checklist For Your Family Vacation

T ravelling with your family may bring a whole load of fun but it also requires more extensive planning since you are dealing with more than your personal needs and preferences. Unlike vacationing solo or with like-minded friends which is more carefree, travelling with family often involves compromise and collaboration. On top of that, if you have young children or older family members with specific needs, you will need a considerable amount of planning to ensure everyone is safe and taken care of throughout the trip.

Planning an autumn or winter vacation for your family soon? We have prepared a family travel checklist and shortlisted some of the best family travel insurance plans that may give you peace of mind before you hop on the next flight out of Singapore.

Related: How Travel Insurance Can Protect Your Refund Rights for Flight Cancellations and Delays

What to look out for when travelling with a multi-generational family.

Recognising that people of different age groups may have varying needs and interests is the first step to achieving a satisfying family vacation. No matter how harmonious your family dynamic is, there are bound to be differences that stem from physical abilities, taste, health or budgetary considerations, just to name a few.

By taking these considerations into account and being proactive in planning, you are more likely to create a positive and inclusive travel experience for your multi-generational family.

Travel Essentials for Elderly

Keeping it convenient and stress-free is the key to creating a fun experience for senior travellers. Besides a family travel insurance that covers for any pre-existing medical conditions that the elderly may have, getting ready travel accessories like travel cane, lightweight luggage, small first-aid kit and refillable water bottle can make a world of difference for them too.

If a wheelchair can make travelling easier for your family member, do bring one along. You may also request one at the airport or cruise for embarking and debarking. Airlines like Singapore Airlines even go the extra mile to assist with on-boarding wheelchairs and special needs travellers to the lavatory during the flight.

Related: Best Travel Insurance for Seniors 2023

Family travel checklist for children.

Depending on the age of the children you are travelling with, you may need to prepare anything from a travel crib to game sets that will keep the little restless ones entertained. If you are bringing young toddlers along, a light-weight stroller with cover is a must-have to ensure both the child and parent can enjoy a smooth journey.

Be sure to prepare a diaper bag stocked with essentials like diapers, wipes, portable changing pad, diaper cream, soft blanket, pacifier and anything that will bring comfort to the little ones while they are in an unfamiliar territory. Bringing along a nice supply of children snacks and drinks may also be helpful if you are uncertain if the destination offers food choices that appeals to your child preference. However, do avoid overly sugary snacks to prevent energy spikes and crashes.

Another essential item to carry along is a medication and first-aid kit as the young ones may not adapt to the change in climate, terrain or local conditions as easily as adults. Pack any necessary medications suitable for their age and items like adhesive bandages and antiseptic wipes that can soothe minor injuries.

Related: Traveling with Tots? 4 Ways to Save When Vacationing with Children

Best travel insurance plans in singapore for families.

If you are looking for the best travel insurance suitable for family travel, our travel insurance experts may just have the answer for you. Here are some top choices we’ve shortlisted after analysing 27 insurers and over 80 plans.

Cheapest Family Travel Insurance for ASEAN and Asia Destinations

Allianz Travel's Silver plan offers a high value, comprehensive plan with above average medical and trip inconvenience coverage. The baggage loss cover is also the highest compared with other plans in the list. SingLife’s Prestige plan may be the most expensive but it offers maximum protection in many areas. It is suitable for those who prefer to pay more for convenience.

Highest Coverage Plans for Families

These plans are suitable for those who do not mind paying more for higher coverage. FWD's First family plan is a decent plan with excellent trip inconvenience coverage, which is more than double the industry average. MSIG Premier's is a good option for those looking to maximise medical protection as it offers three to four times more medical and personal accident coverage compared to the industry average.

Cheapest Annual Travel Insurance for Families

These plans will work well for families that travel at least five to six times per year. Compared to the industry average of S$504.88 for an annual ASEAN plan, these plans cost 30% to 40% cheaper than the industry average.

Check out our roundup of the best travel insurance and before deciding on the right travel insurance plan for you and your family today.

• Is Annual Travel Insurance right for you?

Cash Or Credit Cards: Which Is Better To Use When Travelling?

Currency Crunch — How to Make Use of Weakening Currencies to Further Your Travel Plans

• Effective Travel Hacks To Maximise Savings When Travelling & Shopping Overseas
• How Much Money Will You Need to Travel to Popular Drama & Movie Locations in 2023?

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The article originally appeared on ValueChampion. • ValueChampion helps you find the most relevant information to optimise your personal finances. Like us on our Facebook page to keep up to date with our latest news and articles. • More From ValueChampion: • Is Annual Travel Insurance right for you?