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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?

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Is the airasia unlimited asean pass a good deal, singapore airlines krisflyer offering 25% discount on brisbane award flights, 26 comments.

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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Singapore Airlines Travel Insurance - 2024 Review

Singapore airlines travel insurance.

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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 TripProtectors. 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 TripProtectors .

TripProtectors – The Travel Insurance Marketplace

TripProtectors 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 TripProtectors, we’re presented with 27 options to choose from.

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

TripProtectors 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 TripProtectors, 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  TripProtectors 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 TripProtectors as Amazon for travel insurance. At  TripProtectors  we make comparing travel insurance easy. You do not need to go to every carrier. At TripProtectors 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 TripProtectors 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  TripProtectors  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.

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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

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

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

How Do I Get Travel Insurance for Singapore?

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

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

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

Singapore Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a Singapore Vacation Worth It?

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

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

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

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

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

Do you need travel insurance for Singapore?

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

Do tourists get free health care in Singapore?

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

Can I buy travel insurance after I depart for Singapore?

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

6 Best Travel Insurance When Flying From Singapore (2024 Update)

After a multi-year pandemic, travel – especially for leisure – is finally returning to pre-pandemic levels. That means it’s time to look into travel insurance again, especially given that some countries require it before they’ll issue you a visa.

The right coverage will give you and your family at least a little peace of mind as you plan your vacation.

But what’s the best travel insurance package for you? We’ll get into that today, covering:

• What to look out for in your travel insurance
• An overview of popular travel insurance packages available
• Our top 6 choices for travel insurance and why

How to Choose a Travel Insurance Package

If you’re a seasoned traveller, you already know that price isn’t the only consideration. You get what you pay for, after all. Here are five things to look out for before you decide on a travel insurance provider:

• COVID-19 Coverage. Most insurers these days automatically include COVID-19 coverage, but the degree of coverage differs. Some offer barely enough to cover your medical expenses, while others don’t cover COVID-related trip cancellations or curtailments.
• Coverage for personal items. If your laptop is damaged or you lose any pricey personal belongings, you’ll want to know that your insurance can cover that cost.
• Coverage for travel or baggage delays. These can throw a wrench into your itinerary, especially for short trips.
• Ease of claims. This is why it’s not a good idea to pick insurance purely based on cost. You can check customer reviews to get an idea of the provider’s service quality.
• Coverage for activities. If you’re planning a skiing trip or any potentially risky activities, it’s good to check that your policy covers any accidents. 

6 Best Travel Insurance Packages

We chose each of the following packages because they stand out in their own ways, whether it’s for comprehensive coverage for pre-existing conditions, the best coverage for COVID-19, or the best value for short holidays.

We haven’t omitted any for low coverage in specific areas – e.g. trip inconvenience – as these depend on the traveller’s needs. However, we’ve left out providers with largely poor reviews – this list only features insurers with decent customer service. (That said, no provider has a perfect reputation!)

Here are our top picks:

1. AIG Travel Guard

AIG Travel Guard

AIG has a good balance of pricing, coverage, and responsiveness to claims – whether you’re claiming for missing baggage, an injury, or a sickness you contracted overseas. We’d recommend getting the Standard policy at minimum, as the Basic policy has many gaps.

Their COVID-19 coverage also includes an overseas quarantine allowance in the event you’re confined to a hotel while travelling. Many policies with automatic COVID-19 coverage leave this out.

Current promotion: Receive up to S$188 PayNow Score. (Valid until 31 March 2024) Click to apply .

Promotion criteria:

• Single Trip:  Receive up to S$68 PayNow! (minimum premium S$100)
• Annual Trip:  Receive S$188 PayNow! (minimum premium S$650)

2. DBS TravellerShield Plus

DBS Traveller Shield

Underwritten by Chubb, the DBS TravellerShield Plus is a jack of all trades. It sits in the middle of the price range and offers average coverage for all the standard categories. Overall, it’s a well-rounded package.

There are two things of note with the TravellerShield Plus, though:

• You can add coverage for pre-existing conditions
• Its trip inconvenience coverage is higher than similarly-priced offerings

So if either of those holds more importance for you, this may be a good fit.

Read also : AXA Travel Insurance Review – Pricey, But Worth It?

You may have heard of FWD for its inexpensive, straightforward plans. Most people report that everything from getting a quote to filing claims is a smooth, convenient process that you can complete entirely online.

The downside is that FWD doesn’t have automatic COVID-19 coverage: you’ll have to purchase an add-on if you need it. Its trip inconvenience coverage is also far lower than the market average, though this may be inconsequential for backpackers or light travellers with flexible itineraries.

If cost and reliability are your main concerns, FWD is a great option to consider.

Current promotion: Receive 8 Max Miles for every dollar spent or score an Airalo eSIM with up to 1GB data (minimum premium S$60) + Receive an Apple AirTag worth S$45 with no minimum premium

Promotion Criteria:

• Promotion valid until 25 March 2024. Click to apply .

4. MSIG TravelEasy

MSIG Travel Easy

Above-average coverage at midrange pricing: that’s what you’ll get with MSIG. This insurer also seems to take pride in their service. Most customers report smooth, fuss-free purchasing and claims processes.

And on top of higher COVID-19 and adventurous activities coverage, TravelEasy also insures wedding clothing – in case you’re planning your prenuptial photoshoot abroad.

Go for at least the Elite plan if you want cover for adventurous activities and/or wedding clothing and accessories. The Standard plan leaves out benefits like credit card fraud protection, golfer’s cover, and rental vehicle excess.

Current promotion: Get up to S$40 Grab Voucher + Receive an Apple AirTag worth S$45 with no minimum premium. Click to apply .

• Premium Size: S$65 – S$119.99: S$12 Grab Vouchers
• Premium Size: S$120 – S$239.99: S$20 Grab Vouchers
• Premium Size: S$240 and above: S$40 Grab Vouchers
• Receive an Apple AirTag worth S$45 with no minimum premium (Valid until 25 March 2024)

5. NTUC Income

NTUC Income

Most plans covering pre-existing conditions exclude COVID-19 coverage, since the risks multiply exponentially when someone with comorbidities catches the virus. Still, that leaves you out of luck if you happen to have a pre-existing condition and want to tour the world.

That’s why NTUC Income is a strong contender: they cover both pre-existing conditions and pandemic-related claims. You’ll have to purchase a yearly plan if you want coverage for both, and each trip must be no more than 30 calendar days long.

6. Tiq by Etiqa

Tiq by Etiqa

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

Understandably, plans that cover pre-existing conditions charge a premium for doing so. That’s the case with Tiq travel insurance as well: you’ll pay more than double in premiums if you check the box indicating that you’ve got a pre-existing condition.

Still, Tiq manages to keep its plans affordable. The single trip Pre-Ex plans are priced $5 – 25 cheaper than MSIG’s policies .

And even if you have no need for Pre-Ex coverage, Tiq’s regular travel insurance plans also offer great value at wallet-friendly prices. Just note that the plans don’t include COVID-19 coverage by default, so you’ll have to purchase a rather costly add-on if you need it.

Current promotion: Receive an Apple AirTag worth S$45 with no minimum premium

Summary Table of Travel Insurance Providers

For the price quotations, we’ve used a hypothetical scenario of:

• A solo traveller in his/her 30’s
• An 8-day trip to Australia
• At least $200,000 in overseas medical coverage (or the closest available package)

These starting prices are accurate as of 14 Aug 2023.

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Singapore Airlines Economy Class: What to Know

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If you want luxury in the skies, there’s arguably no better airline than Singapore Airlines. While the best experience on Singapore is undoubtedly its luxurious Suites class service, most of us can’t afford tens of thousands of dollars or a big heap of points to get our own onboard bedroom.

But don’t be disappointed if you’re booked in Singapore Airlines economy class, as it’s one of the best economy seats you can buy. Here's how to maximize the experience (and get the best value) when you fly Singapore Airlines economy class.

What to expect flying economy with Singapore Airlines

An international economy seat on Singapore Airlines might feel a bit like flying first class with a domestic airline. You get a baggage allowance, a more comfortable seat than most airlines offer in the same ticket class, plus complimentary food and drink options that would put most U.S. carriers to shame.

Here’s what else you can expect when flying Singapore Airlines’ economy class:

Seats: Seats on most international flights are comfortable and include an ergonomic design and six-way headrest. The seats recline, and a high-definition touchscreen is filled with movies and shows to keep you entertained . You can plug your device into the in-seat USB port so you land with full power. On the 737-800, used for shorter flights, you will see a more standard economy seat.

Food and drinks: Consider starting with a signature Singapore Sling cocktail, one of many complimentary beverage selections on long-haul flights. Premium economy passengers can preorder their meal, while regular economy passengers can choose between several high-end menu items. A kids’ menu is available. Singapore also offers meals for religious, vegetarian and special diets.

Baggage allowance: Standard economy tickets include a 66-pound (30 kilogram) checked bag. Those with elite status may qualify for additional luggage at no charge. Value and Lite tickets come with a 55-pound (25 kilogram) limit.

Boarding: When booked in economy, you may be the last to board. However, plan on a lengthy boarding process anyway, particularly for the massive A380 with a 471-passenger capacity.

Service: Customer service from Singapore Airlines is very good. Singapore Airlines economy class gets high marks for service (as well as food, seat comfort, Wi-Fi and more) from international airline rating agency Skytrax.

» Learn more: The guide to the Singapore Airlines’ KrisFlyer frequent flyer program

Singapore Airlines Economy Class seats on the A380 and 787-10 aircraft. Photo courtesy of Singapore Airlines.

Ways to get good value from Singapore Airlines economy class

Pay with miles from partner airlines.

Singapore Airlines is a member of the Star Alliance , which includes Air Canada , Avianca , LOT Polish Airlines, Lufthansa , Turkish Airlines , United and about 20 other carriers. If you have miles with any of those programs, you may be able to redeem them for an award flight on Singapore.

» Learn more: How to earn miles with KrisFlyer from Singapore Airlines

For travelers in the U.S., United MileagePlus is the Star Alliance partner program most likely to get you on a Singapore Airlines jet.

If you don’t see a Singapore flight available on the United website but you do see the flight available as an award on the Singapore Airlines website, you may be able to book it with MileagePlus miles by calling United Airlines and requesting that specific flight.

Transfer points from Chase, American Express or Capital One

If you have a Chase , American Express or Capital One credit card, you may be able to transfer points from your credit card rewards account to Singapore Airlines’ KrisFlyer loyalty program, then book flights directly through Singapore Airlines. Terms apply.

Before you transfer your points to Singapore, search for flights in your credit card’s travel booking portal. Then, search Singapore’s own site to see how many KrisFlyer miles you’d need for the same flight. This will allow you to ensure you're getting the best value for your points or miles between the two options.

» Learn more: Award sweet spots using Singapore KrisFlyer miles

If you fly Singapore Airlines’ economy class

Singapore Airlines is a top choice for customer service and luxury. Its international economy class offers a far-above-average experience. If Singapore flies where you’re headed, you’ll find your economy class seat is a very comfortable way to travel.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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Travel insurance

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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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

Real easy experience

Mariya Spektor

Very efficient site..

Well organised site. Easy to read, understand, and compare options. Easy to choose plan according to needs. Fast purchase. Immediately sent documents.

Amanda professionally answered all my questions, and made me feel very comfortable about the policy purchase.

AMEX Travel Insurance Singapore Review: Platinum Card, KrisFlyer Card (2022)

If you’re an American Express credit card user, not only are you a relatively rare breed, but you might also already have used the famous free Amex travel insurance. (Technically, Amex travel insurance is actually Chubb travel insurance.)

So, why is Amex providing travel insurance? Well, these days, you don’t even have to approach an insurance company to buy a plan. You can get it instead from the nearest bank or credit card company. It’s like getting toys from HMV or a bicycle from Carrefour.

Back to AMEX’s travel insurance. It was previously known as American Express My VoyageGuard. That’s quite a mouthful, so it’s a good thing they’ve since decided to adopt a much simpler name—AMEX My Travel Insurance.

Buying travel insurance through your credit card company sounds extremely convenient, but what’s really in that plan, and is it adequate for your needs? Let’s have a look.

• AMEX Travel Insurance: Summary
• AMEX Chubb Travel Insurance Coverage
• AMEX Travel Insurance Covid-19
• AMEX Platinum Travel Insurance
• AMEX KrisFlyer Travel Insurance
• AMEX Travel Insurance: Extreme Sports
• AMEX Travel Insurance Promotion
• AMEX Travel Insurance Claim Review
• Should I buy AMEX Travel Insurance?

1. AMEX Travel Insurance Summary

AMEX My Travel Insurance comes in two iterations:

• AMEX My Travel Insurance Annual Multi-Trip – Gives you coverage for an entire year regardless of the number of trips you make, for up to 90 days per trip.
• AMEX My Travel Insurance Single Trip – Gives you coverage for one single trip of up to 90 days.

Furthermore, each plans has three tiers:

Note that these travel insurance plans are paid. If you are getting the travel insurance for free through your credit card, your insurance plan will come with less benefits than the paid version. We’ll talk about that later.

2. AMEX Chubb Travel Insurance Coverage

Here’s a quick summary of the three tiers of My Travel Insurance that can be purchased through AMEX.

Compared to DBS’s travel insurance (also by Chubb), AMEX’s is relatively generous thanks to its high coverage amounts for medical expenses.

It’s not as generous as Citibank’s in terms of coverage amounts, though. What’s more, while DBS offers coverage for outdoor adventure activities, Citibank does not.

3. AMEX Travel Insurance Covid-19 Coverage

AMEX’s travel insurance automatically includes Covid-19 cover. Here’s a summary of Covid-19 benefits and coverage:

In comparison, DBS’s travel insurance offers Covid-19 coverage but Citibank’s travel insurance does not.

4. AMEX Platinum Travel Insurance

If you book your originating and return trip using the AMEX Platinum Card, you will automatically be covered by free travel insurance, as well as your spouse and dependant children travelling with you.

Here’s what the free plan gets you:

The Platinum Card’s free travel insurance coverage is not too bad compared to DBS’s complimentary travel insurance, which only gives you up to $150 for travel delays and $500 for trip cancellation.

Meanwhile, Citibank’s only gives you $500 for trip cancellation and $40,000 for medical expenses.

5. AMEX KrisFlyer Travel Insurance

The blue AMEX KrisFlyer Credit Card also entitles you to free travel insurance when you charge you return trip to the card.

Here’s what you get:

As you can see, the Platinum Card’s complimentary travel insurance is shockingly bare bones, with coverage extending only to travel inconveniences and personal accident.

There’s no mention of overseas medical expense coverage.

This plan underperforms woefully compared to DBS and Citibank’s complimentary travel insurance.

6. AMEX Travel Insurance: Extreme Sports & Outdoor Adventure

When it comes to AMEX’s paid My Travel Insurance plans, extreme sports are not expressly excluded so long as you are not taking part in training in any speed contest or racing (other than on foot), or any professional competition or sports.

So, don’t try to be clever and enter drag races or something. Other than that, other sporting activities are not excluded, so you should be covered for expenses arising from them.

AMEX’s free travel insurance plans are completely silent on the subject of recreational or leisure activities.

In the absence of any exclusions, that means that you should be receiving coverage for expenses incurred while doing any sporting or leisure activities like scuba diving, 

7. AMEX Travel Insurance Promotion

Use the promo code TRAVELNOW and get a discount on your AMEX travel insurance policies purchased online.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Key features.

1.2 KrisFlyer miles = S$1 for all eligible card spend

2 KrisFlyer miles = S$1 in foreign currency spent overseas in June & December with no cap

2 KrisFlyer miles = S$1 for eligible purchases made on singaporeair.com, SingaporeAir mobile app and KrisShop with no cap

3.2 KrisFlyer miles = S$1 for eligible Grab Singapore transactions, capped at S$200 per month

Complimentary one night stay at particpating Hilton properties and 4 complimentary access each year to any participating SATS Premier Lounge in Singapore and Plaza Premium Lounge around the world.

Receive 5,000 KrisFlyer miles upon first spend on card, applicable for first-time American Express Singapore Airlines Credit Card applicants only

Spend S$15,000 or more on eligible purchases on singaporeair.com within the qualifying period to be rewarded with a Double KrisFlyer Miles Accrual Voucher

Spend S$15,000 or more on eligible purchases on singaporeair.com within first 12 months of Card approval and get an accelerated upgrade to KrisFlyer Elite Gold Membership

Up to S$1 million Travel Inconvenience & Travel Accident Benefits

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

8. AMEX Travel Insurance Claim Review

This is all hearsay on the internet, but there have been some complaints of people getting their travel insurance claims denied because the insurer was very stringent about technicalities. Not saying that will happen to you, but tread with caution

Chubb Travel Insurance Emergency hotline: Call the Chubb Assistance emergency hotline at +65 6836 2922

AMEX Travel Insurance hotline :  6299 0922 (9am to 5pm, Mondays to Fridays)

Online claims: Submit claims and supporting documents online through Chubb’s online portal . Alternatively, download the claims form PDF and email with documents to [email protected] .

AMEX Travel Insurance Claim Settlement Time : You’ll get an acknowledgement within 3 days.

Even though you buy this travel insurance from American Express channels, every aspect of the after-sales support is taken care of by Chubb Insurance.

Chubb has a very good international reputation for its emergency assistance, which is reassuring if your idea of a good time is trying to cheat death.

9. Should I buy AMEX Travel Insurance?

If you have the Amex Platinum Card, you can get okay complimentary travel insurance coverage by booking your trip on the card. However, the blue Amex KrisFlyer Credit Card’s free travel insurance coverage leaves much to be desired, so we would suggest not relying on this plan unless you like living life on the edge.

The paid AMEX My Travel Insurance plans, however, are actually decent and quite reasonably priced compared to competitors like DBS or Citibank.

Still shopping for travel insurance?  Compare the best travel insurance in Singapore here.

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