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Review: New Singapore Airlines x Allianz travel insurance policy

Singapore Airlines' travel insurance is now provided by Allianz, and it's every bit an improvement over the previous AIG policy.

Singapore Airlines passengers have the option to purchase an exclusive travel insurance policy that provides coverage for overseas medical expenses (including COVID-19), accidents and travel inconveniences. 

This was previously called Travel Insurance by Travel Guard (underwritten by AIG). Singapore Airlines has now replaced this with a new policy called Travel Protect by Singapore Airlines (underwritten by Allianz).

Coverage is available to Singapore Airlines passengers who are Singapore Citizens or Permanent Residents of Singapore, or Singapore Pass Holders and/or Work Permit Holders and their dependents residing in Singapore. Journeys must commence in Singapore.

I’ve gone through the new Allianz policy, and the good news is it’s a significant improvement from the previous AIG one- not only does it offer more coverage, it’s also cheaper to boot. 

Allianz Travel Coverage

Travel Protect by Singapore Airlines (which for convenience I’ll just refer to as the “Allianz policy” from hereon) provides up to S$1 million of overseas medical coverage and S$500,000 of emergency medical evacuation coverage (both including COVID-19). 

The policy is available regardless of whether you bought your ticket with cash or redeemed miles. Coverage can be added either at the time of booking your itinerary, or subsequently via the Manage Booking function. 

If you don’t see the option to add insurance, you’ll need to contact customer service at [email protected] or call +65 6245 4059 (Mon-Fri 0930 to 1730 SGT). 

Under the Allianz policy wording , you’ll notice two columns: Comprehensive , and KrisFlyer Comprehensive.  

Simply put, if you’re a KrisFlyer member (of any tier) during the period of insurance, you’ll enjoy KrisFlyer Comprehensive coverage. This provides additional coverage for medical expenses, rental car excess, loss of personal documents and more, and there’s no reason why you shouldn’t qualify for this. 

Comparison: Allianz vs AIG

Here’s a summary of how the new Allianz policy measures up to the previous AIG policy. Do note the following:

• I’ve used Allianz KrisFlyer Comprehensive as the basis of comparison since it costs nothing to join KrisFlyer
• AIG’s values have a range because coverage depends on where you’re travelling to. AIG splits the world into three zones: ASEAN, Asia and International. ASEAN has the lowest coverage, while International has the highest
• AIG also has some supplementary coverage for KrisFlyer members, so I’ve included it where relevant

There’s a lot of information in the table above, but what should immediately jump out is that Allianz not only offers more coverage in most areas, it’s also cheaper than AIG (unfortunately I don’t have historical AIG quotes for travel within Asia/ASEAN, so I can’t make that comparison).

Let’s look at some of the finer details below. 

COVID-19 medical expenses & emergency medical evacuation

AIG’s policy covers up to S$350,000 of COVID-19 medical expenses, but Allianz covers up to S$1 million. 

More importantly, under the AIG policy both COVID-19 medical expenses and emergency medical evacuation share the same cap  (i.e. the maximum you can claim for COVID-19 medical expenses and emergency medical evacuation is S$350,000).

With Allianz, there is a separate cap for COVID-19 emergency medical evacuation of S$500,000. 

Chances are, if your situation is bad enough to warrant medical evacuation to Singapore, you’ve already racked up a sizeable overseas medical bill. You’ll want to ensure there’s enough left over to cover the repatriation. 

Quarantine allowance

If you’re diagnosed with COVID-19 overseas and are asymptomatic or mildly symptomatic, most countries won’t admit you to hospital. Instead, you’ll be issued with a quarantine order, which you’ll serve out in a hotel. 

AIG provides a quarantine allowance that varies depending on country (max. 14 consecutive days):

• ASEAN: S$50 per day
• Asia: S$100 per day
• International: S$200 per day

Allianz doesn’t mention a quarantine allowance, but you can make a claim under the trip interruption section for:

Such coverage applies when :

tl;dr: if you get a quarantine order due to COVID-19, you can claim up to S$150 per day for 14 days. 

AIG would be more generous for travel outside of Asia and ASEAN, but otherwise Allianz is the superior option.

One-way trips

Given award space constraints, it’s not uncommon for miles collectors to book separate one-way tickets, even if their intention is to fly a round-trip.

While both policies cover one-way trips, AIG was much stricter in its wording. Cover for a one-way trip was limited to certain sections of the policy, commenced 3 hours before leaving Singapore, and ceased at the earlier of:

• the expiry of the period specified in the insurance; or
• your arrival at your first overseas destination

That made it highly impractical on its own. Most customers ended up having to write in to AIG and present 2x one-way tickets, in order to get quoted insurance on a round-trip basis. 

Allianz is much kinder with its treatment of one-way trips.

If your policy was purchased with a one-way booking, your coverage end date will be the  scheduled return date for your trip, as shown on your travel documents (not exceeding 30 days from the departure date shown on your travel documents). Additionally, your policy will end on the earliest of:

1.  At 23:59 on the day you cancel your policy; or 2. At 23:59 on the day you file a trip cancellation claim with us; 3. At 23:59 on the day you end your trip, if you end your trip early; 4. At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or 5. At 23:59 on the 180th day of the trip

Trip cancellation

In terms of trip cancellation, AIG covers a pre-departure COVID-19 diagnosis, plus the usual reasons like death or serious sickness, witness summons, and natural disasters affecting your destination. 

However, Allianz provides a much wider range of covered reasons (16 in total), including a COVID-19 diagnosis, a traffic accident on departure date, getting laid off from work, securing a new job, or having your travel documents stolen. 

However, note that neither policy covers trip cancellation resulting from border closures or additional quarantine requirements (so they wouldn’t cover the current situation with Italy , for example).

Coverage of airline miles

Speaking of trip cancellation, AIG’s policy explicitly states that it will not cover the loss of air miles used to pay for the trip. 

On the other hand, Allianz’s policy is silent about this subject; the only line I can find that refers to air miles is this:

I take it to mean they  will  cover such claims, insofar as they relate to the redeposit of airline miles. 

Here’s the thing though. There are only two scenarios where you could lose your KrisFlyer miles due to a cancelled trip:

• You booked a Spontaneous Escapes award , which is strictly non-refundable
• Your airline miles have already expired at the time of refund (remember: miles validity is different from ticket validity; if this concept confuses you, read this article )

(1) isn’t an issue right now, because Singapore Airlines has suspended Spontaneous Escapes. With regards to (2), Singapore Airlines has granted extensions to all KrisFlyer miles so the earliest any will expire is April 2022. 

In all other situations, you can pay a penalty fee to recover the miles used for your booking, as shown below. 

Even if you miss your flight (i.e. no show), the miles are still recoverable. For example, if you made a Business Saver reservation and missed your flight, you’d pay a US$300 no show fee, plus a US$75 fee to change your dates. 

Therefore it might not be all that important for travel insurance to cover miles at this juncture, since there’s no Spontaneous Escapes nor expiry. 

Unless I’m missing something, Singapore Airlines’ new Allianz travel insurance policy looks to be every bit an improvement over the previous AIG one. Travellers enjoy more generous coverage for a lower fee, and this will more than satisfy the requirements for countries with mandatory COVID-19 travel insurance requirements (e.g. South Korea, Thailand).

Anything else you spotted in the policies worth flagging?

• singapore airlines

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The definition of quarantine in this Allianz policy is so much more reasonable than some other insurers like Chubb. Allianz covers hotel. Chubb covers only government-appointed facilities which is useless in most of the destinations.

This Allianz insurance is new, so its actuarial computations are updated with the most recent data and environment (including where to quarantine). Others were launched earlier using older sets of assumptions and data. They can’t just change coverage anyhow. It’s unfortunate but there is a certain due process.

Hopefully they can change soon. I really liked using Chubb before the pandemic.

Hi Freddy, Chubb had previously shared that their TravellerShield Plus policy will provide cover for quarantine in hotels (under the Overseas Quarantine Benefit due to Covid-19), if all the conditions below are fulfilled: 1.     The traveller is diagnosed with Covid-19 2.     The overseas destination has no designated quarantine facility for Covid-19 patients 3.     The authorities of the overseas destination requires the traveller to be quarantined in a hotel

Hi Aaron. Thanks for following up on this! Do you know where I can find this in Chubb’s website or somewhere? I can’t find it in the policy wording, at least for the one with DBS. If I buy their insurance and make the claim, I can’t say “Aaron Wong from Milelion told me this”…=)

It’s an official reply from a DBS spokesperson quoting a Chubb spokesperson. but yeah I understand the problem, I will ask if they can put it in black and white on the website.

Possible to overcome the IT constraint of Thailand Pass for this insurance?

Thanks Aaron. Good news for travellers!

So I guess the SIA complimentary travel insurance for PPS members has also been shifted from AIG to Allianz and will their policy conditions for this complimentary insurance be the same as mentioned above?

There is complimentary travel insurance for PPS? Oddly enough Google doesn’t seem to know that

I was initially not aware either, until SIA Netherlands informed me of that fact. I broke my wrist in 2019 while overseas. AIG complimentary travel insurance which is only applicable to PPS members if you fly on SIA covered all expenses incl quite a generous sum after my return to Singapore.

Hi Gaby, are you able to provide any link/reference to this policy which covers PPS members for any trips done on SIA flights?

It’s on the SIA PPS portal. It mentions coverage for Overseas Medical and Travel accident insurance. ” provided by AIG. You are covered for accidents and medical emergencies that happen whenever you are in another country”. Then it mentions worldwide emergency assistance underwritten by AXA assistance. Unfortunately can’t attach screenshots.

I just found out that this complimentary AIG travel insurance is only extended to Solitaire members and it is still underwritten by AIG.

The other noteworthy difference is Allianz treats all Epidemics and Pandemics the same (not just covid 19) so whether you are infected with Covid, Ebola or a new Epidemic you receive the same coverage. Most insurers have only extended specific to Covid

I’m personally glad that SQ ditched AIG. Previously I had two one-way trips, called up AIG, they said I had to call SQ to “link” the two bookings first, then call AIG back to get their policy because it has to be tagged to only ONE booking reference. I said no, AIG should have a process to cater to two one-ways and not trouble the passenger to make multiple calls between AIG and SQ. Only then they said they can raise internally for an “exception approval” process. Plus their premium was 3X higher than the other insurer I eventually went …  Read more »

One think to point out is SIA-Allianz quarantine allowance (under Trip Interruption) terms are more favourable to the traveler as it provides $150 allowance per day up to 14 days. Whereas the public highest tier platinum policy only provides $500 per day up to 5 days. This is a downer for anyone purchasing the public policy, unless you are certain you can be discharged within 5 days; but there is supposedly the 14 day ICA health declaration issue to contend with (but that’s another matter altogether). Allianz public policy wording Additional accommodation and transportation expenses if the interruption causes you …  Read more »

hey thanks bent, this is useful info! I did not know I could claim the remaining 9 days accomodation under Travel Delay of $1500,SJ albeit very low coverage under the public Allianz policy.

I wonder if Allianz covers Flights in between the journey that are purchased separately (eg. Domestic flights / intra schengen flights). AIG does not cover that and it makes it difficult to justify if we arrange a big trip and it is impossible to combine the flight itinerary with SIA / * Alliance.

In today’s context, this does not seem to cover accommodation for a case where you cannot return to SG due to testing positive, and where the foreign country does not require you to go into isolation/quarantine.

https://www.magroup-online.com/SAS/SG/EN/Policy_Wording.pdf it should cover under either of the following scenarios: Covered reasons: 1. You or a travelling companion becomes ill or injured, or develops a medical condition disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19). The following conditions apply: a. A doctor must either examine or consult with you or the travelling companion before you make a decision to interrupt the trip. b. You must not have travelled against your home country’s government advice or against local authority advice at your trip destination. 13. A travel carrier denies …  Read more »

Hi Aaron, I spoke to Allianz CSO and found a slight error regarding the article’s paragraph on Allianz’s coverage for one way ticket coverage. The policy will only cover 30 days from the departure date (of the first ticket), not up to 180 days. So for example, if my one way ticket to USA is on 1 March, the coverage ends on 1 April. This applies even if my holiday is longer than 30 days or if my hospitalization or quarantine stay is beyond 1 April. This is a significant risk that travellers must be aware of when purchasing via …  Read more »

Here’s what the policy says: If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip, as shown on your travel documents (not exceeding 30 days from the departure date shown on your travel documents). Additionally, your policy will end on the earliest of: 1. At 23:59 on the day you cancel your policy; or 2. At 23:59 on the day you file a trip cancellation claim with us; 3. At 23:59 on the day you end your trip, if you end your trip early; 4. At 23:59 on …  Read more »

Thank you Aaron for adding the whole excerpt!

From the way I interpret it, the 30 days limit is an additional limitation for one way ticket trips on top of point 1 to 5. So for my earlier example of 1st March, if I have another one way ticket back to Singapore on 15 April, my trip portion for April 2nd onward would not be covered by the allianz policy bought via sq booking website.

I read elsewhere that Bali does not require mandatory travel insurance – can you clarify or correct that please?

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Covid-19 Insurance

Visitors entering Singapore, who wish to purchase travel insurance with Covid-19 coverage can refer to the list of insurance providers below.

Singapore Travel Insurance

Travel insurance for singapore.

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

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

How does Travel Insurance work in Singapore?

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

Traveling with pre-existing Medical Conditions? 

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

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

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

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

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

Medical Benefits:

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits:

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

Baggage Benefits: 

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

Additional Optional Travel Benefits:

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

Do I need Travel Insurance for Singapore?

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

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

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

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

How much does Travel Insurance cost for Singapore?

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

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

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

Our Suggested AXA Travel Protection Plan 

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

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

AXA covers three types of medical expenses:

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

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

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

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

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

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

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

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

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

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

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

2. When should I buy Travel Insurance to Singapore?

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

3. Do Americans need travel insurance in Singapore?

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

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

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

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

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

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

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Travel Insurance for a Trip to Singapore (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Singapore as expected.

in under 2 minutes

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

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

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

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

Compare Singapore Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Singapore?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

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

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

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

Rental Car Protection

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

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

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

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

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

Trip Cancellation Insurance

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

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

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

How Much Does Singapore Travel Insurance Cost?

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

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

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

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

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

How Do I Get Travel Insurance for Singapore?

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

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

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

Singapore Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a Singapore Vacation Worth It?

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

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

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

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

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

Do you need travel insurance for Singapore?

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

Do tourists get free health care in Singapore?

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

Can I buy travel insurance after I depart for Singapore?

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

If you have questions about this page, please reach out to our editors at [email protected] .

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Singapore Airlines Travel Insurance - 2024 Review

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Singapore Airlines is the flag carrier airline of Singapore with its hub located at Singapore Changi Airport. Singapore Airlines’ the ‘Singapore Girl’ is their brand figure. 

We are a huge fan of Singapore Airlines at TripInsure101. Its aircraft are always the most modern, the interiors are beautiful, and the staff go out of their way to be helpful. The on-board experience is second to none. Singapore Airlines continues to be the benchmark that the rest of the aviation world aspires to.

Travel insurance is available at checkout, so let’s book a sample trip, review the insurance offered, then see if we can get a better option in the open marketplace.

Singapore Airlines – Our Sample Trip

For our sample flight, our two travelers are flying from Los Angeles to Singapore on November 30 – December 16. Flights can be sorted by duration, price, arrival time or departure time. Looking at flights for our trip, the least expensive departure is $2539.78, which is the total for both travelers together.

Clicking on the fare, opens the details about that fare including penalty fees for cancellation, changes, and no-shows:

Comparing the two economy selections – Economy Standard and Economy Flex, for an extra $735, we can save $100 on cancellations, $50 for changes if we choose Economy Flex over Economy standard. Remember, this is the same seat. Same food. The exact same entertainment system. The difference is that if a traveler pays an extra $735 then they will pay less penalties. We will show later why it rarely, if ever, makes sense to buy anything other than a non-refundable seat.

After choosing our return flights, we can choose our seats for each leg.

Standard seats are free while extra legroom seats are $120. Final cost of our trip after selecting standard seating is: $5,359.36.

Finally, prior to payment, we’re asked if we’d like to insure our trip:

Singapore Airlines’ insurance is provided by Allianz, a well-respected travel insurer. Total cost for the insurance is $415.35.

Unfortunately, the only way to preview the policy is to accept adding it to the trip cost, which then allows us to view the policy details. The policy is called the ‘Global Travel Protector III” and the standard benefits are summarized below:

The policy will pay up to 100% of the trip cost if the traveler cancels for a reason listed in the policy such as illness or injury. Trip Interruption will pay the remaining pro-rated portion of the trip up to 100% (depending on how far into the trip before the interruption occurred), and the additional 200% would be to cover additional accommodation fees, reasonable transportation expenses to either continue the trip or return home and additional accommodate expenses if you must stay at your destination for longer than originally planned up to $250/day for a maximum of 5 days.

However, the Allianz policy only provides $50,000 of medical expense coverage and $50,000 of medical evacuation coverage. These amounts are far too low for overseas travel to Southeast Asia. Medical evacuation back to the US can run $25,000 per flight hour or more. With this policy, it would only cover two hours of flight time and the traveler would be responsible for the remaining bill! Not a pleasant thought!

Since the coverage is too low for travel to Singapore, let’s see if we can find a better option in the open marketplace through TripInsure101 .

TripInsure101 – The Travel Insurance Marketplace

TripInsure101 is a travel insurance marketplace. We work with some of the best travel insurers in the industry. Inputting our trip details into the quoting system at TripInsure101, we’re presented with 27 options to choose from.

With so many options, what would be the best policy to choose?

TripInsure101 recommends having a minimum of $100,000 of medical coverage and $500,000 of medical evacuation coverage for travel to Asia and points beyond.

The least expensive plan with adequate medical coverage is the Trawick First Class .

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage as well as trip cancellation, trip interruption, and baggage coverage. If we need to cancel prior to departure for a reason listed in the policy, such as illness or injury, we will receive a 100% refund of our trip costs. Best of all, the premium is $318.88, which is $96.47 LESS than the Allianz policy and provides three times the medical coverage and twenty times the medical evacuation coverage!

But what if we want maximum flexibility to cancel for ANY reason and not just for a listed reason? Do we have any options?

The answer is YES! A Cancel For Any Reason (CFAR) policy. Let’s take a look.

Cancel For Any Reason (CFAR) Policies

For maximum cancellation flexibility, a Cancel for Any Reason  (CFAR) policy is a great option.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have can provide either a 50% or a 75% refund depending on the policy chosen.

Looking at our quote from TripInsure101, the least expensive CFAR policy with adequate coverage is the Trawick First Class (CFAR 75%). This policy provides the same benefits we saw above and adds the Cancel For Any Reason benefit if we purchase the policy within 10 days of the initial trip payment or deposit date. Total cost for both travelers combined is $542.10.

If we had to cancel for a listed reason in the policy such as an illness, we’d receive 100% of the non-refundable trip cost. However, if we cancel for a reason NOT listed in the policy, such as simply deciding we don’t want to go, the policy will refund us 75% of the trip cost. While $126.75 more than the Allianz policy, we get maximum cancellation flexibility as well as three times the medical coverage and twenty times the medical evacuation coverage.

Buying a non-refundable ticket and purchasing a Cancel For Any Reason policy has been called the  TripInsure101 Flight Hack .

You will get nearly the same flexibility as a refundable ticket, plus a comprehensive insurance plan, and save hundreds of dollars on your flights. Refundable benefits, with non-refundable tickets!

Aardy – One Site – Many Carriers

Think of us at TripInsure101 as Amazon for travel insurance. At  TripInsure101  we make comparing travel insurance easy. You do not need to go to every carrier. At TripInsure101 we provide binding quotes from our carries and present them in an easy-to-read format. The beauty of insurance comparison is you get to see all the best prices in the market.

Does TripInsure101 Charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed because of anti-discriminatory insurance law in the US. This is really powerful consumer protection.

A travel insurance marketplace like  TripInsure101  will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip on Singapore Airlines and remember to pack your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Abigail Boayue

Fast and easy experience

Great experience. Janet is a knowledgeable agent. She was able to answer my questions. Janet is very polite.

Helen Allen

For a phenomenal terrific travel agent ask for catrina..

I had many, many questions and Catrina answered them with a LOT of patience and was very clear in her explanation. I had a lot of issues I asked her to address and she did a phenomenal job. I thought I had picked the best policy for my specific needs but due to certain facts and information she made another suggestion. I didn't feel pressured, but felt she was honest and making suggestions to were in my best interest. We were on the phone for over 52 minutes and that didn't include the time I had spend earlier this week with another one of your agents.

Theresa Jennings

Great experience i was able to get the information i….

I was able to get the information I needed and answers to questions I had regarding obtaining travel insurance. Each representative that I spoke with was courteous and professional

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Booking a flight online these days is less about making sure you get what you want than making sure you opt out of what you don’t want.

Whether you’re flying with a budget airline or a high-end airline like our very own Singapore Airlines, the airline will always try to get you to buy their travel insurance.

I’m sure you’ll remember getting bombarded with tons of “Do you want to buy travel insurance” banners upon checkout in pre-Covid days.

It was a very convenient way to buy travel insurance. Yet, airline travel insurance also suffered its fair share of troubles before.  Singapore Airlines once caused a scandal when customers complained about being auto-included on their travel insurance , with some not realising that they could opt out.

In a post-Covid world, do airlines still offer travel insurance? Do airline travel insurance give you good coverage? And do they cover Covid-19? Let’s find out:

• Best Airline Travel Insurance
• Trip Disruptions and Cancellations
• Missed Flight Connections
• Overbooked Flights
• Medical Coverage
• Pre-Existing Medical Conditions
• Covid-19 Coverage

1. Best Airline Travel Insurance

How good are these airline travel insurance plans? Should you add travel insurance to your trip after booking?

Most airlines require you to confirm your flight booking before they offer you the option to opt in for their airline travel insurance.

Unlike unconventional travel insurance, there is no fixed price for most airline travel insurance.

Prices are dependent on your health history, personal information, etc. and you get a personalised quotation from the airline.

Some airlines such as Singapore Airlines (SIA), Scoot, and Jetstar offer flat prices:

• Singapore Airlines : From $32 for ASEAN
• Scoot :  $44.43 to $92.56
• Jetstar : $39.20

Let’s look at some common airlines in Singapore, and whether they offer airline travel insurance:

2. Trip Disruptions and Cancellations

Most people make their first travel insurance claim not because they need to be air lifted home after a tragic accident, but because their trip gets disrupted due to a mishap or ran into a cancelled flight.

Are there any caveats to these airline travel insurance plans’ trip cancellation and trip disruption coverage? Here’s the coverage we found in the policy wordings:

• Singapore Airlines : Covers illness, injury, quarantine, traffic accident, legal proceeding, home damage, natural disaster, severe weather, employment layoff, employment relocation, first responder duty, adoption proceeding, armed forces leave cancelled, stolen travel documents.
• Scoot : Covers injury, illness, death, public transport cancellation, court duty, home fire or flood, natural disaster, airport closure
• Air Asia : Covers death, serious injury or illness, jury, quarantine, home serious damage. Excludes AirAsia cancelled flights, pre-existing illnesses, health conditions, existing weather condition (as of application time).
• Jetstar : Up to 30 days before flight date. Covers major travel event, death, injury, illness, court duty. Excludes Jetstar flight cancellations, hotel cancellations, airfares paid with miles or points.
• Cebu Pacific : Up to 30 days before flight date. Covers death, accident, illness, quarantine, jury, court duty, home damage, strike, natural disaster. Excludes financial insolvency of tour agency, any illness that occurred 60 days before flight.
• Qantas : 72-hour waiting period applies for trip cancellations. Covers death, illness, natural disaster, severe weather, accidents, travel document loss, examinations, retrenchment, tour cancellation.
• Indigo : Covers death, injury, illness, natural disaster, employment layoff, assault, weather, civil unrest, terrorist attack
• Firefly : Covers death, disability, illness, fire at home, strike, natural disaster, extreme weather

3. Missed Flight Connections

Are you about to miss your connecting flight?

You must be wondering what to do, and if your airline will pay for the missed flight connection – and if they do cover, how much?

Generally, if you missed your fight due to your airline’s bad scheduling or late arrival, the airline should automatically book you on another flight (and cover your hotel airport stay if it’s the next day).

However, if you missed your connecting flight due to public transport (eg. moving from Haneda to Narita airpot via bus to catch your next flight), it gets a little complicated.

Warning, pretty complicated.

First, you need to get an official letter from your transport company that your bus, train, or taxi was indeed cancelled or delayed indefinitely (or more than 6 hours). They must state the reason why the transport was late or delayed, and state their alternative transport details and timing they offered to you. You then need to wrestle with the terms and conditions below:

• Scoot : $100/6 hours. Covers late arrival of public transport that’s taking you to your flight. You also had no other alternative transport options within 6 hours of your public transport (eg. bus or train)’s arrival time.
• AirAsia : $100/6 hours. Covers if your flight arrived late due to natural disaster, weather, accident, mechanical breakdown, and you missed your next transport (and there are no alternative transport for 6 hours).
• Cebu Pacific : $100/6 hours. Covers if your public transport arrived late, due to airspace restriction, airport closure and you missed your next flight. You couldn’t get any alternative transport in the next 6 hours.
• Qantas : Covers alternative public transport cost if your interrupted flights caused you to miss a “wedding, funeral, conference, 25th or 50th wedding anniversary or sporting event”.
• Firefly : RM250/3 hours. Covers if you missed your scheduled connecting flight due to incoming flight delay and no alternative transport was offered to you.

4. Overbooked Flights

What are overbooked flights in travel insurance? If your flight is overbooked and you’re not allowed to board the flight (and no alternatives are offered within X number of hours) you’ll get paid a small amount of cash by your travel insurance plan.

• AirAsia: $100 cash payout. Covers if you were denied boarding your flight due to overbooking (from Singapore), and the airline couldn’t offer you an alternative flight within the next 6 hours.

Most airline travel insurance plans do not protect you from flight overbooking.

However, you can try to make a claim under one of the other categories like travel delay, but take note that they’ll usually require the delay to be due to some natural disaster, civil unrest and so on before they’ll let you receive a payout.

5. Medical & Covid-19 Coverage

Most of us, perhaps, buy travel insurance from airlines primarily for flight cancellation and disruption coverage. Overseas medical expenses and emergency medical evacuation? Not really thinking about that, but great if it’s included.

Most airlines’ travel insurance offers overseas medical expenses and emergency medical evacuation coverage. The terms and conditions are largely similar as well:

• Singapore Airlines : Covers sudden, unexpected illness, injuries, medical conditions that requires immediate treatment. KrisFlyer members get $200/24 hours of hospitalisation
• Scoot : Covers injuries, illnesses that require immediately medical treatment, including Traditional Chinese Medicine (TCM).
• Air Asia : Covers medical expenses due to injury, sickness. Covers follow-up treatments in Singapore (up to 10% of claim limit).
• Jetstar : Covers 90 days of overseas medical treatment for injury or sickness you got overseas.
• Cebu Pacific : Covers injury or sickness that you got in an accident. Medical treatment abroad should be sought within 60 days.

6. Pre-Existing Medical Conditions

In a perfect world, we’d all be in great health, everyone would look like a supermodel and nobody would photoshop their Instagram photos. Unfortunately, that’s not the case, and the fact is that as you get older the likelihood of pre-existing medical conditions rises.

Well, guess what, most travel insurance will not cover medical expenses arising from pre-existing medical conditions – much less airline travel insurance.

There are only a handful of insurance companies with travel insurance for pre-existing medical conditions, namely NTUC Income , MSIG , and Etiqa .

These plans are more expensive than their basic plans, but they’re still better than going uninsured. If you have specific needs for your travel, making sure you compare travel insurance policies before you travel is of utmost importance.

7. Covid-19 Coverage

The chances of you getting Covid-19 overseas is probably higher than the probability of you getting kidnapped or held hostage. There’s some good news here, most airline travel insurance now include Covid-19 coverage.

If you test positive prior or after the trip, you’re on your own. Here, you’ll find a comprehensive list of travel insurance with Covid coverage.

Still shopping for  travel insurance ? Here are some other useful articles:

Here’s Why You Should Never Buy Travel Insurance From Airlines

Annual Travel Insurance – When Is It the Better Choice for You?

Victim of a Flight Cancellation? – 5 Things to Do Instead of Yelling at Customer Service

Plan & Book

Flight information, infinity mileagelands, business travel, please select your country / region of residence, travel insurance.

Why travel insurance

With trusted travel insurance from Allianz Travel, you’ve got a simple way to stay prepared if your travel plans are disrupted by the unexpected like COVID-19 and other illness, injury and more.

How to purchase 

You can easily add travel protection when you book your flight- just look for insurance from Allianz Travel at check out.

Benefits of flying protected

Flight cancellation

Get reimbursed if you’re forced to cancel your travel plans for a covered reason, including COVID-19 or other illness, accidents, and more.

Medical emergency

Have medical benefits at the ready if you or a travelling companion is sick or injured during your trip-including abroad where your personal health insurance may not work.

Flight delays

Get compensated during a covered flight delay, which can help pay for meals while you wait and more.

Lost or stolen luggage

Get reimbursed for your personal effects if your luggage is lost or stolen at any point during your trip.

EVA Air partners with Allianz and offers insurance add-on through online booking for countries departed as below.

Please refer to below links for more information (Provided by Allianz)：

• Hong Kong 香港-  English ,  繁體中文
• Thailand 泰國-  English ,  ไทย
• Singapore 新加坡-  English

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Fast track to KrisFlyer Elite Gold

Your exclusive offer for 4 months only on your american express ® singapore airlines krisflyer ascend credit card.

Celebrate KrisFlyer's 25th Anniversary with a special offer

(1 February 2024 to 31 May 2024)

Exclusively for all American Express ® Singapore Airlines KrisFlyer Ascend Credit Card Members, enjoy a fast track % to KrisFlyer Elite Gold membership with minimum eligible spending. 

Be one of the first to delight in an exciting gift ^ !

[FULLY REDEEMED] Redeem a S$125 eCapitaVoucher ^ when you make a minimum spending of S$12,500 on eligible purchases with a minimum spending of S$2,500 on eligible SIA flight bookings . Limited to the first 500 eligible Card Members.

[FULLY REDEEMED] Alternatively, redeem a 25" Samsonite luggage ^ when you make a minimum spending of S$15,000 on eligible purchases with a minimum spending of S$2,500 on eligible SIA flight bookings . Limited to the first 250 eligible Card Members. 

Here's how it works

% Not applicable to Card Members who are existing PPS Club or KrisFlyer Elite Gold members. T&Cs apply. 

^ Limited to a maximum of one (1) Redemption Gift per Card Member depending on the spend tier. An Eligible Card Member who qualifies for the 25" Samsonite luggage will not be eligible for the S$125 eCapitaVoucher. T&Cs apply.

1 February 2024 to 31 May 2024

How to Redeem

Eligible Card Members who meet the eligibility requirement for the upgrade will receive an email on your successful upgrade to the KrisFlyer Elite Gold membership tier from Singapore Airlines to your registered email address with your  KrisFlyer account within 8 to 10 weeks after the campaign ends on 31 May 2024. 

Eligible Card Members who meet the eligibility requirement for the Redemption Gift, on top of the KrisFlyer Elite Gold membership tier,  will receive a separate   redemption email from American Express to your registered email address with American Express account within 8 to 10 weeks after the campaign ends on 31 May 2024. 

Not an American Express Singapore Airlines KrisFlyer Ascend Credit Card Member yet?

More Travel & Hotels Promotions

Singapore Airlines

2 KrisFlyer miles for every S$1 spent on flight tickets with your American Express ®  Singapore Airlines Credit Card

Offer Terms & Conditions

KrisFlyer 25th Anniversary Campaign with American Express – Terms and Conditions

• The KrisFlyer 25th Anniversary Campaign with American Express (the " Offer ") is subject to the following terms and conditions (the " T&Cs" ).
• The Offer is only valid for Basic Card Members who hold the American Express ® Singapore Airlines KrisFlyer Ascend Credit Card (respectively " Eligible Card Members " and the " Eligible Card ").​
• Card Members who are active / current PPS Club or KrisFlyer Elite Gold members whose status ends after 31 May 2024 will not be eligible to participate in this Offer even if the KrisFlyer Elite Gold Spend Criteria (as defined below) is met. 
• The qualifying period for the Offer is from 1 February 2024 to 31 May 2024 (both dates inclusive) (the " Offer Period ").​
• By participating in this Offer, you agree to these T&Cs, including without limitation the terms applicable to each of the promotions and general terms below.

Fast track to KrisFlyer Elite Gold membership with Singapore Airlines

6.  Subject to these T&Cs, Eligible Card Members who spend S$12,500 or more on Eligible Purchases (as defined below) comprising a minimum of S$2,500 on Eligible Singapore Airlines Flight Bookings (as defined below) with the Eligible Card during the Offer Period (collectively the " KrisFlyer Elite Gold Spend Criteria ") will be upgraded to the KrisFlyer Elite Gold membership tier (the " KrisFlyer Elite Gold Upgrade "). 

7.  " Eligible Purchases " refer to purchases of goods and services at American Express merchants, which are reflected on your monthly statement for the Eligible Card and excludes any refunded, reversed, disputed, unauthorised, or fraudulent transactions as well as the non-eligible purchases or transactions set out at go.amex/sgexclusions , which is non-exhaustive and is subject to changes from time to time.​

8.  " Eligible Singapore Airlines Flight Bookings " refer to Singapore Airlines flights originating from Singapore which are purchased in Singapore Dollars directly from Singapore Airlines through singaporeair.com (including qualifying purchases via Pay Small), the SingaporeAir mobile app, or phone bookings. 

9.  For purchases on singaporeair.com via Pay Small, please select "American Express 0% interest* 6 months instalment plan" as your payment method. Any trip add-ons will not count as Eligible Purchases for the Offer and will not count as a qualifying Pay Small transaction. Please note that American Express Pay Small Terms and Conditions apply (for more information, please visit go.amex/sgpaysmall ). 

10.  Eligible Card Members who meet the KrisFlyer Elite Gold Spend Criteria will receive an email from Singapore Airlines (at the email address registered with their KrisFlyer account linked to the Eligible Card) on the successful KrisFlyer Elite Gold Upgrade within 8 to 10 weeks after the end of the Offer Period. Please note that any requests for the upgrade to be expedited will not be entertained.​

11.  Eligible Card Members who are accumulating the spend requirement of S$15,000 on singaporeair.com or the SingaporeAir mobile app within the first 12 months of Card approval for the KrisFlyer Elite Gold Status Accelerator (full details are available at go.amex/ascendterms ) can participate in this Offer by meeting the KrisFlyer Elite Gold Spend Criteria (in Paragraph 6 above). Such an Eligible Card Member will strictly be eligible for only one (1) KrisFlyer Elite Gold status upgrade , which will be awarded when either the spend criteria for this Offer or that for the KrisFlyer Elite Gold Status Accelerator is met. 

12.  A KrisFlyer Elite Gold Upgrade awarded under this Offer is only valid for one (1) year from the date of upgrade. Requalification for KrisFlyer Elite Gold will be

based on standard requalification terms under the KrisFlyer programme. For information on the benefits of being a KrisFlyer Elite Gold member and requalification into the KrisFlyer Elite Gold status, please visit: https://www.singaporeair.com/en_UK/us/ppsclub-krisflyer/krisflyer/krisflyer-elite-gold/ .  

Additional American Express Gift

13.  In addition, Eligible Card Members who meet the following criteria will each be eligible to redeem a maximum of one (1) additional gift from American Express (each a " Redemption Gift "):​

(a)   the first 500 Eligible Card Members who meet the KrisFlyer Elite Gold Spend Criteria (as defined above) during the Offer Period will each receive one (1) eCapitaVoucher in the amount of S$125; and

(b)   the first 250 Eligible Card Members who spend an additional S$2,500 or more on Eligible Purchases on top of the KrisFlyer Elite Gold Spend Criteria (as defined above) during the Offer Period (i.e. a total of S$15,000 or more on Eligible Purchases comprising a minimum of S$2,500 on Eligible Singapore Airlines Flight Bookings) will each receive one (1) 25" Samsonite luggage.

An Eligible Card Member who qualifies to redeem the 25" Samsonite luggage (under the higher tier in (b) above) will not be eligible to redeem the one (1) eCapitaVoucher in the amount of S$125 (under the lower tier in (a) above).​

14.  Eligible Card Members who meet the above criteria for a Redemption Gift (as determined by American Express at its sole discretion based on its records) will receive a redemption email from American Express (at the email address registered with their American Express Account) within 8 to 10 weeks after the end of the Offer Period. Please note that any request to expedite is not allowed and will not be entertained.​

15. The Redemption Gift images are for illustrative purposes only. American Express reserves the right to change the colour and/or model; or substitute the Redemption Gift(s) with another item of equivalent value without prior notice and without providing any reasons. The Redemption Gifts are not valid with other ongoing promotions, discounts, vouchers and other privileges. Redemption Gifts are only available while stocks last.

General Terms

16.  Eligible Purchases and Eligible Singapore Airlines Flight Bookings made by a Supplementary Credit Card Member will count towards the Offer.                   

17.  To qualify for the Offer (both the KrisFlyer Elite Gold Upgrade and/or the Redemption Gift), the Eligible Card must be in good standing, and must not be suspended or cancelled for any reason whatsoever before 8 August 2024.

18. The Offer is not valid in conjunction with other benefits, offers, discounts, privileges, promotions or vouchers, unless otherwise stated.

19.  If you do not comply with any of these T&Cs, you may be disqualified from participating in this Offer at any point and any gifts, benefits, and rewards may be forfeited, withheld, withdrawn, or reclaimed, at American Express and/or Singapore Airlines’ sole and absolute discretion.

20.  The KrisFlyer Elite Gold Upgrade and Redemption Gifts are non-refundable and not transferrable and/or exchangeable for any credit value or other product and/or service (including but not limited to any request for an extension of an existing KrisFlyer Elite Gold membership).

21.  If any qualifying Eligible Purchase(s) is subsequently refunded or cancelled: American Express and/or Singapore Airlines each reserve the right to (as the case may be) reverse the KrisFlyer Elite Gold Upgrade and withhold or reclaim the Redemption Gift and/or charge the cost of the same to the Card Member.

22.  All information is correct at the time of publication. American Express and/or Singapore Airlines each reserve the right to change, suspend and/or terminate this Offer and/or amend these T&Cs at their sole discretion without prior notice.

23. In the event of inconsistency between these T&Cs and any advertising, promotional, publicity, or other materials relating to or in connection with this Offer, these T&Cs shall prevail.

24.  The KrisFlyer Terms and Conditions available online at https://www.singaporeair.com/en_UK/ppsclub_krisflyer/termsconditions-kf/ and Singapore Airlines’ Terms and  Conditions available at https://www.singaporeair.com/en_UK/terms-conditions/ apply. In respect of Eligible Purchases, American Express acts solely as a payment provider and is not responsible or liable in the event that the purchased services, activities or benefits are not provided or fulfilled by Singapore Airlines. Singapore Airlines is solely responsible for the fulfilment of the KrisFlyer Elite Gold Upgrade. American Express is solely responsible for the fulfilment of any Redemption Gifts. 

25.  American Express does not assume liability and American Express Card Members shall not make any claim whatsoever for (i) injury or bodily harm or (ii) loss or damage to property, howsoever cause, arising from, or in connection with this Offer.

26. Pay Small is operated by American Express and Singapore Airlines shall not be responsible for any loss, damage, or delay in connection with Pay Small.           

27. Singapore Airlines shall not be responsible for any loss, damage, or delay in connection with this Offer, including without limitation any upgrading of KrisFlyer membership tier or redemption of gifts.

28.  Any decisions made by American Express and/or Singapore Airlines (as the case may be) in connection with any matter relating to this Offer shall be final and binding as between American Express and/or Singapore Airlines and you. American Express and Singapore Airlines may vary these T&Cs or terminate or otherwise make changes to the Offer without prior notice and at its sole and absolute discretion.

29.  The personal data that you provide or make available to Singapore Airlines (including without limitation your name, KrisFlyer membership number, and email address) may be collected, used, disclosed, or otherwise processed by Singapore Airlines. All collection, use, disclosure, and processing of such personal data by Singapore Airlines will be in accordance with Singapore Airlines's Privacy Policy, available online at https://www.singaporeair.com/en_UK/privacy-policy/ .

30.  Capitalized terms not herein defined have the same meanings given to them in the Cardmember Agreement for the American Express Singapore Airlines KrisFlyer Ascend Credit Card. The Cardmember Agreement and Benefits Terms and Conditions of The American Express Singapore Airlines KrisFlyer Ascend Credit Card are available at go.amex/ascendterms .

31.  These T&Cs shall be governed by and construed in accordance with the laws of the Republic of Singapore. The Singapore courts shall have exclusive jurisdiction in respect of any dispute arising out of or in connection with these T&Cs.

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Singapore Airlines is the flag carrier airline of Singapore with its hub located at Singapore Changi Airport. Singapore Airlines’ the ‘Singapore Girl’ is their brand figure. 

We are a huge fan of Singapore Airlines at TravelDefenders. Its aircraft are always the most modern, the interiors are beautiful, and the staff go out of their way to be helpful. The on-board experience is second to none. Singapore Airlines continues to be the benchmark that the rest of the aviation world aspires to.

Travel insurance is available at checkout, so let’s book a sample trip, review the insurance offered, then see if we can get a better option in the open marketplace.

Singapore Airlines – Our Sample Trip

For our sample flight, our two travelers are flying from Los Angeles to Singapore on November 30 – December 16. Flights can be sorted by duration, price, arrival time or departure time. Looking at flights for our trip, the least expensive departure is $2539.78, which is the total for both travelers together.

Clicking on the fare, opens the details about that fare including penalty fees for cancellation, changes, and no-shows:

Comparing the two economy selections – Economy Standard and Economy Flex, for an extra $735, we can save $100 on cancellations, $50 for changes if we choose Economy Flex over Economy standard. Remember, this is the same seat. Same food. The exact same entertainment system. The difference is that if a traveler pays an extra $735 then they will pay less penalties. We will show later why it rarely, if ever, makes sense to buy anything other than a non-refundable seat.

After choosing our return flights, we can choose our seats for each leg.

Standard seats are free while extra legroom seats are $120. Final cost of our trip after selecting standard seating is: $5,359.36.

Finally, prior to payment, we’re asked if we’d like to insure our trip:

Singapore Airlines’ insurance is provided by Allianz, a well-respected travel insurer. Total cost for the insurance is $415.35.

Unfortunately, the only way to preview the policy is to accept adding it to the trip cost, which then allows us to view the policy details. The policy is called the ‘Global Travel Protector III” and the standard benefits are summarized below:

The policy will pay up to 100% of the trip cost if the traveler cancels for a reason listed in the policy such as illness or injury. Trip Interruption will pay the remaining pro-rated portion of the trip up to 100% (depending on how far into the trip before the interruption occurred), and the additional 200% would be to cover additional accommodation fees, reasonable transportation expenses to either continue the trip or return home and additional accommodate expenses if you must stay at your destination for longer than originally planned up to $250/day for a maximum of 5 days.

However, the Allianz policy only provides $50,000 of medical expense coverage and $50,000 of medical evacuation coverage. These amounts are far too low for overseas travel to Southeast Asia. Medical evacuation back to the US can run $25,000 per flight hour or more. With this policy, it would only cover two hours of flight time and the traveler would be responsible for the remaining bill! Not a pleasant thought!

Since the coverage is too low for travel to Singapore, let’s see if we can find a better option in the open marketplace through TravelDefenders .

TravelDefenders – The Travel Insurance Marketplace

TravelDefenders is a travel insurance marketplace. We work with some of the best travel insurers in the industry. Inputting our trip details into the quoting system at TravelDefenders, we’re presented with 27 options to choose from.

With so many options, what would be the best policy to choose?

TravelDefenders recommends having a minimum of $100,000 of medical coverage and $500,000 of medical evacuation coverage for travel to Asia and points beyond.

The least expensive plan with adequate medical coverage is the Trawick First Class .

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage as well as trip cancellation, trip interruption, and baggage coverage. If we need to cancel prior to departure for a reason listed in the policy, such as illness or injury, we will receive a 100% refund of our trip costs. Best of all, the premium is $318.88, which is $96.47 LESS than the Allianz policy and provides three times the medical coverage and twenty times the medical evacuation coverage!

But what if we want maximum flexibility to cancel for ANY reason and not just for a listed reason? Do we have any options?

The answer is YES! A Cancel For Any Reason (CFAR) policy. Let’s take a look.

Cancel For Any Reason (CFAR) Policies

For maximum cancellation flexibility, a Cancel for Any Reason  (CFAR) policy is a great option.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have can provide either a 50% or a 75% refund depending on the policy chosen.

Looking at our quote from TravelDefenders, the least expensive CFAR policy with adequate coverage is the Trawick First Class (CFAR 75%). This policy provides the same benefits we saw above and adds the Cancel For Any Reason benefit if we purchase the policy within 10 days of the initial trip payment or deposit date. Total cost for both travelers combined is $542.10.

If we had to cancel for a listed reason in the policy such as an illness, we’d receive 100% of the non-refundable trip cost. However, if we cancel for a reason NOT listed in the policy, such as simply deciding we don’t want to go, the policy will refund us 75% of the trip cost. While $126.75 more than the Allianz policy, we get maximum cancellation flexibility as well as three times the medical coverage and twenty times the medical evacuation coverage.

Buying a non-refundable ticket and purchasing a Cancel For Any Reason policy has been called the  TravelDefenders Flight Hack .

You will get nearly the same flexibility as a refundable ticket, plus a comprehensive insurance plan, and save hundreds of dollars on your flights. Refundable benefits, with non-refundable tickets!

Aardy – One Site – Many Carriers

Think of us at TravelDefenders as Amazon for travel insurance. At  TravelDefenders  we make comparing travel insurance easy. You do not need to go to every carrier. At TravelDefenders we provide binding quotes from our carries and present them in an easy-to-read format. The beauty of insurance comparison is you get to see all the best prices in the market.

Does TravelDefenders Charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed because of anti-discriminatory insurance law in the US. This is really powerful consumer protection.

A travel insurance marketplace like  TravelDefenders  will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip on Singapore Airlines and remember to pack your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Carolyn Watson

Agent Sylvia is very knowledgeable and friendly!!!

Agent Sylvia was so detailed and informative about my need. She has the patience of Joel. Sylvia answered every question and explained the reason why it is imperative take the required documents with me. Thanks, Sylvia for your assistance and your knowledge!!!!!!! Carolyn Watson

customer - S. Nash

Janet was professional, patient, and courteous.

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Enough with airline hidden fees: DOT rules take aim at 'corporate rip-offs'

The Department of Transportation announced new rules on Wednesday to better protect airline passengers against “costly surprise airline fees,” the agency said.

As part of the Biden-Harris Administration’s efforts to crack down on “corporate rip-offs,” two new air travel rules were finalized. The rules mandate airlines to pay full refunds in a timely and straightforward manner and ensure transparency regarding fees associated with air travel.

The new regulations are expected to save consumers over half a billion dollars each year in hidden junk fees, the DOT said. 

“Passengers deserve to know upfront what costs they are facing and should get their money back when an airline owes them – without having to ask,” Secretary of Transportation Pete Buttigieg said in a statement. 

“Today’s announcements will require airlines to both provide passengers better information about costs before ticket purchase, and promptly provide cash refunds to passengers when they are owed – not only saving passengers time and money, but also preventing headaches.”

Learn more: Best travel insurance

What to know about the newly finalized rules for airline passengers:

What are the new rules from the DOT and how do they impact passengers?

The first new regulation will simplify the process for airline passengers to get what they’re owed by requiring airlines to give automatic cash refunds. Passengers can get these refunds when their flights are “cancelled or significantly changed, their checked bags are significantly delayed, or the ancillary services, like Wi-Fi, they purchased are not provided,” the announcement said. 

The second will require airlines and ticket agents to be upfront about any hidden fees, such as checking a bag or changing a flight, to help “consumers avoid unneeded or unexpected charges that can quickly increase and add significant cost to what may, at first, look like a cheap ticket.” Airline fees, increasingly common for airlines to boost their profit, have grown “confusing” for passengers.

Both rules will go into effect in about six months, or around the end of October, the agency said.

Making the skies more accessible: This proposal would help the DOT 'more easily penalize airlines' that damage wheelchairs

How will the new rules make getting refunds from airlines easier? 

Getting a refund from airlines is a long-winded and often complicated process. Sometimes, passengers end up getting a travel credit or voucher instead of an actual reimbursement or just a partial refund. Under the new regulation, refunds will be much more straightforward. 

Airlines must promptly provide automatic refunds without passengers explicitly requesting them, and the refunds must be issued in the original payment method used to make the purchase.  

How fast will the refund get to me?

Airlines will have seven business days to make full refunds for credit card purchases and 20 calendar days for other payment methods. 

How else is the DOT cracking down on hidden airline junk fees? 

It can be tricky to know exactly how much your final airline ticket will cost due to hidden fees. What may look like a low price at first can quickly add up. Airlines will now have to disclose any baggage, change and cancellation fees and policies before purchases are made – and it has to be clear and upfront, not hidden behind a hyperlink. Airlines will also need to be transparent about weight and dimension limitations. Third-party websites such as Expedia or Booking.com will also be required to display this information. 

These days, it’s common for people to pay for seat selection, especially for the lowest price fares, but carriers will now need to inform consumers that seats are guaranteed and it’s unnecessary to pay for one.

The DOT is also banning airlines from using bait-and-switch tactics, in which an airline advertises a discounted fare that doesn’t include mandatory fees that drive the ticket price up. 

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .

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Explore new places and try foreign experiences with confidence when you travel. Even if the unexpected happens, you can be assured that you'll be taken care of. Simply add travel insurance while you're making a new flight booking on singaporeair.com, or to an existing itinerary via Manage Booking .  Add travel insurance Selected Coverage for Epidemic and Pandemic Diseases - Including Covid-19 - On All Policies*  Holidays are one of life’s great pleasures, and we want you to travel with peace of mind. All our policies include selected pandemic and epidemic coverage - if you fall ill and are diagnosed with Covid-19 either before your trip commences or during your trip.

* 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 terms and conditions. Online Brochure

Learn more about the comprehensive travel insurance benefits of Travel Protect by Singapore Airlines and how you can arrange for coverage on singaporeair.com.

Our 24/7 Assistance services is just a phone call away if something goes wrong with your trip. With a network of trusted providers in more than 78 countries, we can get you the help you need when it’s needed. We’re also on hand to help if you lose your travel documents, suffer a cancellation or delay, or have your belongings stolen.

Refer to the Frequently Asked Questions to learn more about the benefits and coverage of Travel Protect by Singapore Airlines, making changes to your policy and claims procedures.

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