travel insurance covering covid 19 singapore

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

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

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

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

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

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

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

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2. Bubblegum Travel Insurance

Bubblegum Travel Insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]   •  Enjoy 10% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$25 via PayNow with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you My Millennium Points and cashback when you purchase Bubblegum travel insurance:

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

Promotion valid till 30 Apr 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000 (which is about as high as it gets).

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]    • Enjoy up to 35% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.     BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)     Increase your chances of winning when you refer friends  today. T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $42, or just $3+ to $6 a day !

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

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

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

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 50% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

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

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 42% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

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

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

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

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

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

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

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]       • Enjoy up to 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.       BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)      Increase your chances of winning when you refer friends  today. T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

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

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

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

Promotion valid till 12 Apr 2024.

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

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

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

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   •  Enjoy 25% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.

Covers trip cancellation for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Payout of up to S$150** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 28% off your Singlife travel insurance premiums these goodies thrown in:

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

Promotion valid till 29 Feb 2024.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I’ve experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[MoneySmart Exclusive]    • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

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

Covers Cruise to Nowhere

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

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

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

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

Etiqa travel insurance promotion

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

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

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

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

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter  on. You’re welcome!

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

Starr TraveLead Comprehensive Bronze

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

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

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

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

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

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

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

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

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

• Medical expenses coverage

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

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

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

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

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

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

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

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

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

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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

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

Best Travel Insurance With COVID-19 Coverage in Singapore

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

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

Overview of Travel Insurance Plans for COVID-19 Coverage

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

1. Starr TraveLead Travel Insurance

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

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

SingSaver's Starr TraveLead Exclusive Promotion:   Get the Best Price with SingSaver Exclusive Discount! Enjoy 50% discount when you use promo code SS50 . Valid till 15 May 2024. Also receive:

• 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.
• Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.

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

2. MSIG TravelEasy

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

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

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

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

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion:

Single Trip: Get 40% off when you buy NOW! Valid till 6 May 2024. T&Cs apply.

Also receive:

• Up to S$20 worth of KrisFlyer miles when you apply now. Valid till 31 May. T&Cs apply.

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

3. FWD Travel Insurance - COVID-19 Rider

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

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

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

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

SingSaver's Exclusive FWD Promotion: Use the promo code TRAVEL25 to get a 25% discount on your plan! Valid till 7 May 2024. T&Cs apply. Also receive:

4.Tiq Travel Insurance

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

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

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

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

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 40% off . Valid till 31 May 2024.

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

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

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

5. Seedly Travel Insurance

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

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

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

• Up to $50 worth of Grab Vouchers. Valid till 31 May 2024. T&Cs apply.

6. Singlife Travel Insurance

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

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

For any trip cancellation, postponement or interruption, the Prestige plan will cover you up to S$2,000, while the Plus plan reimburses you up to S$1,500 and the Lite plan offers S$500.

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

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

7. Allied World Travel Protector

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

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

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

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

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

8. AIG Travel Guard® Direct

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

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

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

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

SingSaver's Exclusive AIG Travel Guard® Direct Promotion:

Single Trip: Get the Best Price with SingSaver Exclusive Discount! Get 15% off when you apply NOW! Valid till 30 May. T&Cs apply.

9. Sompo Travel (COVID-19) Insurance

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

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

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

What others are saying about this card?

10. Great Eastern TravelSmart Premier

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

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

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

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

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

Discount is only valid for Elite and Classic plans.

11. HLAS CovidSafe Travel Protect360

With the HLAS CovidSafe Travel Protect360, you’re able to choose from the three plans — Basic, Enhanced and Superior — that differ in the level of coverage.

The Superior plan offers up to S$150,000 in overseas medical expenses coverage against COVID-19 and the Enhanced plan offers up to S$50,000. However, the Basic plan does not offer any coverage.

You can expect a fairly decent hospital cash benefit of up to S$2,000 that pays out S$100 per day of hospitalisation, as well as an overseas quarantine coverage of up to S$1,000 for the Superior plan, with a daily payout of S$100.

For trip cancellations or curtailments related to COVID-19, you’ll get a reimbursement of up to S$2,000, while any postponements will grant you up to S$1,500. There is unlimited coverage for emergency evacuation and repatriation for the Enhanced and Superior plans, while the Basic plan does not offer any coverage for COVID-19 medical expenses or travel inconveniences due to COVID-19.

12. Allianz Travel Hero

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

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

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

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

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

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

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

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

Importance of buying travel insurance early 

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

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

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

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

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

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

Travel Insurance Promotions

Find out more about travel insurance providers here:.

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

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

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

Protected up to specified limits by SDIC .

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

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

Find More About Travel Insurance Providers

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

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

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

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

Important Notice

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

current promotion

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

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

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

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

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

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

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

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

COVIDSafe Travel Protect360.

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

Enhanced Benefits with COVID-19 Cover

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

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

Travel No Claims Discount

Get Rewarded for Safe Travels

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

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

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

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

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

24/7 COVID-19 Travel Concierge

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

Best COVID-19 Travel Insurance Coverage

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

COVID-19 Quarantine Allowance

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

Enjoy No Claim Discount

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

Greater Flexible Coverage

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

Stay Protected From Travel Inconvenience

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

Enhanced Benefits of our Travel Insurance

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

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

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

  Hassle-Free Claims

Customer Review by Jack Wong

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

  Prompt And Excellent Service

Customer Review by H L

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

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

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

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

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

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

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

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

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

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

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

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

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

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

Please click the link for terms and conditions: Base discount & eSIM Voucher Code Giveaway Terms and Conditions

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

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

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Q: Is dental treatment covered while I am overseas?

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

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

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

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

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

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

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

Q: How to buy travel insurance from HL Assurance?

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

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

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

Q: Can I buy travel insurance after departure?

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

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

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

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

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

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

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

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

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

Q: What does COVIDSafe Travel Protect360 Insurance cover?

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

All plans cover the following travel benefits:

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

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

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

File a travel insurance claim, claims procedure and documentation.

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

Common documents required for all Travel Insurance Claims:

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

Supporting documents needed when making a claim for:

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

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

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

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

Thank you for insuring with us.

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As travel becomes possible again (woohoo!), travel insurance is now once again something that is relevant in our lives.

Remember the good old days when lost luggage was your biggest worry? These days, the most likely mishaps to happen are related to Covid-19, whether they be an infection or a trip cancellation.

Not all insurers cover Covid-19, but a handful do - to varying extents. Here's a comparison of the five best plans in Singapore.

Does travel insurance cover Covid-19?

When the Covid-19 pandemic started, most insurers did not extend their coverage to Covid-19-related mishaps.

The pandemic was quickly considered a "known event", which insurers usually do not offer compensation for. So, if your flight got cancelled because of Covid-19, you'd be out of luck.

Now. as travel restrictions get lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it's here to stay, insurers are starting to offer coverage specifically for Covid-19.

But Covid-19 coverage is such a new thing that it can vary quite a bit from insurer to insurer. Given a bit of time, insurers will start to understand what their competitors are offering and coverage across the board is likely to become more similar.

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against Covid-19. This is broadly worded in the insurance policy but could include not following any Covid-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it's required and don't go attending any illegal raves.

Best travel insurance with Covid-19 coverage

* For a one-week trip to Germany

1. FWD travel insurance + Covid-19 coverage

FWD offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option if you're already baulking at the cost of all the antigen tests you'll have to take before and after your trip.

Here's a quick run-through of the Covid-19 coverage offered by this plan:

• Trip cancellation and loss of deposit
• Trip disruption
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses some of your travel-related expenses if you are diagnosed with Covid-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a Covid-19 diagnosis while overseas.

You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

The coverage is very bare bones but the plan is frickin cheap. Get this if you can't afford anything else.

2. AIG Travel Guard insurance

Here's a quick run-down of the plan's main offerings:

• Trip cancellation
• Early return home
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine allowance

This plan offers compensation if you catch Covid-19 in Singapore and have to postpone your trip, or if you or a family member catch the virus before your departure date and you have to cancel your trip because of that. You also get medical coverage and a quarantine allowance.

This is quite a decent list of benefits compared to what the other plans are offering, but there are a few perks missing from the list, including a daily hospital cash benefit, early return home and trip interruption due to quarantine or other government advisories.

Overall, the plan is on the cheap side but honestly quite bare bones. If you can afford this plan, you could also just spend a few more bucks to get a better one.

READ ALSO:  Travel insurance claims guide - what to do, what receipts to keep and more

3. AXA SmartTraveller travel insurance

Here's what this plan gets you:

• Pre-departure trip cancellations and postponement
• Trip curtailment or rearrangement losses
• Overseas hospitalisation allowance

The medical expenses category is quite generous here. You can claim for costs incurred within 90 days of your trip.

One perk that not all insurers offer is overseas quarantine allowance if you're forced to hole up in a hotel or quarantine centre overseas due to a Covid-19 infection.

You can't claim for this if you're already claiming for hospitalisation, though you'd have to be really unlucky to get both quarantined AND hospitalised in one trip.

AXA also tends to be quite flexible when it comes to trip curtailment or rearrangement.

You can claim under this section not only if you yourself catch Covid-19 but if there is a death in your family due to Covid-19, public transport gets cancelled due to Covid-19 or there is a Covid-19 outbreak at your destination which prevents you from continuing on your trip.

In short, this plan has one of the most comprehensive benefits lists available, and it isn't even that expensive. This one gets a thumbs-up.

4. Sompo Travel (Covid-19) Essential travel Insurance

The key benefits are as follows:

• Trip postponement
• Trip curtailment
• Medical expenses overseas
• Overseas hospital income

Compensation for trip cancellation or postponement is offered if you, an immediate family member or a travelling companion also insured by Sompo, got diagnosed with Covid-19 not more than 30 days before your departure date.

If your travel partner gets infected you can choose to claim for your travel expenses rather than go alone.

The same goes for trip curtailment while overseas. While on your trip, you can make a claim for having to change your itinerary if your travelling companion or an immediate family member back in Singapore gets diagnosed with Covid-19 and you need to cut short your trip to return to Singapore.

Medical expenses can be claimed for a period of up to 45 days (the first day being the day you first seek treatment while overseas) or when the limit in your benefits table is first reached, whichever happens first.

Note that you might be left high and dry if you are ill for more than 45 days.

Overall, this plan is generous when it comes to changes to your travel plans, but not so much when it comes to medical treatment. It's probably best if you are young, have no existing health issues and have already been vaccinated.

5. NTUC Income travel insurance

Here's a run-down of the key benefits:

• Cancelling your trip due to Covid-19
• Postponing your trip due to Covid-19
• Shortening your trip due to Covid-19
• Trip disruption due to Covid-19
• Emergency medical evacuation due to Covid-19
• Sending you home due to Covid-19

NTUC Income offers up to $150,000 worth of overseas medical expenses and up to $150,000 worth of evacuation or repatriation expenses if you contract Covid-19 overseas. This coverage is valid for the first 90 days of your trip.

They have recently enhanced their Covid-19 cover to allow claims for trip cancellations and postponements due to you (or your travel companion) being diagnosed with Covid-19 or getting issued an isolation order by the government.

Covid-19 vaccine complications are now covered under medical expenses as well. For more details on what is covered, refer to the NTUC Income website and policy conditions.

There are no excluded countries due to Covid-19 except for Afghanistan, Iraq, Liberia, Sudan and Syria, which are normally excluded from the regular travel insurance plan as well.

In addition, NTUC Income has collaborated with Raffles Medical to offer Covid-19 (PCR) swab test at $124.2 along with a series of other types of pre-departure tests.

What to do if you get Covid-19 during/after travel?

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

At the first sign of a Covid-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims.

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

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

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

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

This article was first published in MoneySmart .

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New insurance coverage for inbound travellers to cover Covid-19 related costs in Singapore

SINGAPORE 18 November 2020 – Changi Airport Group (CAG) and the Singapore Tourism Board (STB), on behalf of the Emerging Stronger Taskforce Alliance for Action (EST-AfA) on Enabling Safe and Innovative Visitor Experiences[1], announced today that foreign visitors will now be able to buy inbound travel insurance coverage for Covid-19 related costs incurred in Singapore.

Inbound insurance coverage has been identified as a key enabler to facilitate the resumption of travel to Singapore. In line with the EST-AfA’s focus on public-private partnerships, CAG, STB and the General Insurance Association of Singapore (GIA) led an Expression of Interest (EOI) exercise to reach out to interested private sector insurers to provide such coverage.  In response to the EOI, three insurance companies, AIG Asia Pacific Insurance Pte. Ltd., Chubb Insurance Singapore Limited and HL Assurance Pte. Ltd., have developed travel insurance products which provide at least S$30,000 in coverage for Covid-19 related medical treatment and hospitalisation costs. A minimum of S$30,000 in coverage is recommended by the Ministry of Health based on Covid-19 bill sizes at private hospitals, which is where inbound travellers typically receive care for Covid-19. (Please see Annex for the list of insurers and their insurance plans).

Inbound foreign travellers entering Singapore via the various Safe Travel Lanes are required to bear the full cost of medical treatment, tests and isolation, should they be suspected of being infected with Covid-19, or require medical treatment for Covid-19 while in Singapore. With immediate effect[2], they will be able to purchase a travel insurance plan to help them cover some of these costs.

 “We have been actively engaging the insurance community since August this year, through an Expression of Interest (EOI) exercise[3], to develop inbound travel insurance products as Singapore progressively reopens. We noticed such products were not available in the market, and wanted to encourage insurers to develop such products and offer them to travellers at a reasonable price.” said Mr Lee Seow Hiang, Changi Airport Group’s Chief Executive Officer and co-lead of the Alliance.  

“With the gradual resumption of travel and the re-opening of borders, having robust travel insurance options in place is integral to ensuring a successful and sustainable revival of inbound travel to Singapore. The general insurance sector is committed to providing travellers visiting Singapore the protection they need to travel here with confidence.” said Mr Ho Kai Weng, General Insurance Association (GIA) of Singapore’s Chief Executive.

Earlier in September, the EST Alliance for Action on Enabling Safe and Innovative Visitor Experiences announced that it will be testing a prototype for safe tradeshows and exhibitions, as well as safe itineraries for event attendees. The new insurance products will complement this earlier work in resuming safe travel.

“As we gradually re-open for safe travel, Covid-19 insurance coverage is a key enabler to rebuild traveller confidence and provide peace of mind. We are heartened that the public and private sectors have come together to provide solutions, and we look forward to more collaborations that will help Singapore lead the way as a safe, trusted and innovative destination.” said Mr Keith Tan, Singapore Tourism Board’s Chief Executive.

Premiums for these inbound travel insurance plans start from S$5.35 (inclusive of GST) and can be purchased directly from the insurers through their respective websites.

[1] The Emerging Stronger Taskforce (EST), formed under the Future Economy Council (FEC) convened the Singapore Together Alliances for Action (“Alliances”), which are industry-led, government-supported coalitions that will act quickly by prototyping ideas on key areas for Singapore. The Alliance for Action on Enabling Safe and Innovative Visitor Experiences is one of them. Co-led by Mr Lee Seow Hiang of Changi Airport Group and Ms Kwee Wei-Lin of Singapore Hotel Association, the Alliance has worked closely with a diverse range of industry stakeholders and government agencies to explore and pioneer new ways to facilitate safe and innovative visitor experiences in a Covid-19 environment.

[2] Refer to Annex for each insurer’s expected sale date.

[3] CAG, on behalf of the Alliance,  appointed Willis Towers Watson (WTW) as the consultant of the EOI exercise,  where the objective was to invite licensed Singapore insurers to offer coverage to inbound foreign travellers’ Covid-19 related costs in Singapore.

About Changi Airport Group

Changi Airport Group (Singapore) Pte Ltd (CAG) (www.changiairportgroup.com) was formed on 16 June 2009 and the corporatisation of Singapore Changi Airport (IATA: SIN, ICAO: WSSS) followed on 1 July 2009. As the company managing Changi Airport, CAG undertakes key functions focusing on airport operations and management, air hub development, commercial activities and airport emergency services. CAG also manages Seletar Airport (IATA: XSP, ICAO: WSSL) and through its subsidiary Changi Airports International, invests in and manages foreign airports.

About Singapore Tourism Board

The Singapore Tourism Board (STB) is the lead development agency for tourism, one of Singapore’s key economic sectors. Together with industry partners and the community, we shape a dynamic Singapore tourism landscape. We bring the Passion Made Possible brand to life by differentiating Singapore as a vibrant destination that inspires people to share and deepen their passions.

More: www.stb.gov.sg or www.visitsingapore.com

About the Organisation

What industry does your organization fall within, what best describes the key intent of the project that your organisation is seeking funding for, is your organisation a singapore-registered legal entity, is your organisation an association, is the project able to achieve one or more of the following outcome.

• Increase no. of sailings to/from Singapore
• Increase no. of foreign cruise passengers to Singapore through sailings to/from Singapore
• Increase no. of pre/post nights for cruise passengers sailing to/from Singapore
• Increase capability of industry players via cruise-specific industry training programmes
• Strengthen the potential/ attractiveness of cruising in Singapore and/or Southeast Asia

Is the project able to achieve one or more of the following?

• Improve visitor satisfaction (especially foreign visitors)
• Increase footfall
• Increase revenue
• Significant branding and PR value

Is the project able to attract foreign visitors and contribute to foreign visitors' spend?

Who will be the main target audience of your project, is your project innovative and/or a new event in singapore with tourism potential, what best describes your project, does the event have proven track records in singapore or overseas, and/or growth in tourism value such as growing foreign visitorship, and/or enhancement of precinct vibrancy etc, does the project have a clear tourism focus (e.g. tourism-related trainings, tourism companies taking on capability development initiatives or technology companies creating technology products and services for the tourism businesses), what best describes your market feasibility study project.

Based on your selection, the following STB grant/s may be applicable for your project:

Please note that projects that have commenced prior to Singapore Tourism Board's offer may not be eligible for grant support. Examples where projects are deemed as having commenced include:

• Applicant has started work on the project e.g. tender has been called.
• Applicant has made payment(s) to any supplier, vendor or third party.
• Applicant has signed a contractual agreement with any supplier, vendor or third party.

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Beware of apps from sources other than your phone’s official app stores which may contain malware. From 27 March 2024, new safety measure in the Android version of the HSBC Singapore app will be launched to protect you from malware. Read more on malware scams .

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TravelSure makes travel safer with over 50 benefits and COVID-19 coverage to take care of you, even before take off.

Special offers

From now till 6 May 2024, enjoy 35% premium discount for Single-Trip plans and 15% premium discount for Annual plans.

• COVID-19 coverage COVID-19 coverage is automatically included for Single and Annual plans. Get up to SGD250,000 medical expense coverage when you travel overseas. Please refer to the COVID-19 section for more information.
• Overseas medical expenses Be covered up to SGD1,000,000 for overseas medical expenses.
• Replacement of traveller Pays for the charges incurred for change of traveller due to you or insured person not being able to travel as a result of serious injury, illness or death 30 days prior to the trip.
• Delayed departure Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport.

Summary of benefits

The limits shown above are based on Individual sum insured. Learn more about the full coverage details .

How to buy TravelSure

Buy travelsure online now.

• Contact MSIG Singapore
• Submit your claims online

Important Notes 

This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in or guaranteed by HSBC. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG. This is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. 

This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg websites.

The information and opinions contained in this website are for information only, have been obtained from sources believed to be reliable, but HSBC makes no representation or warranty as to their adequacy, completeness, accuracy or timeliness for any particular purpose, are subject to change without notice, and are not intended for distribution to, or use by, any person or entity outside Singapore or in any jurisdiction or country where such distribution or use would be contrary to law, regulation or rule. HSBC does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.  

Where specific products are advertised and/or recommended, please note (a) the recommendation is intended for general circulation; (b) the recommendation does not take into account the specific investment objectives, financial situation or particular needs of any particular person; (c) advice should be sought from a financial adviser regarding the suitability of the products, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the products; should the person choose not to do so, he should consider carefully whether the product is suitable for him; in particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction; and (d) this advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

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Ensure to insure: Which travel insurance policies provide Covid-19 coverage?

SINGAPORE - With the Vaccinated Travel Lane (VTL) agreements paving the way for two-way quarantine-free travel, stir-crazy Singaporeans are dusting off their passports and making up for lost time.

But travel during a global pandemic is fraught with uncertainty, and if travel insurance was a good idea pre-Covid-19, it is practically essential now. In fact, it is literally essential for certain VTL countries such as Malaysia and South Korea, which require foreigners to purchase travel insurance with Covid-19 medical expense coverage as a condition of entry.

Fortunately, the majority of travel insurers now provide Covid-19 coverage, either integrated into the main policy or as an add-on rider.

It is not going to burn a hole in your pocket either. With the various ongoing promotions, coverage can be had for less than $10 a day (see chart on Sample Coverage Of Covid-19 Travel Insurance Policies).

What you need to be covered for

Medical expenses.

Assuming you are vaccinated and in good health, any Covid-19 infection should be fairly mild.

However, it is still important to have coverage for Covid-19 medical expenses, whether it is as simple as an outpatient consultation with a doctor or as serious as admission to hospital.

Moreover, some VTL countries require foreigners to buy travel insurance with a specified minimum coverage for Covid-19 medical treatment. You will usually need to present your insurance certificate before boarding the flight.

Emergency medical evacuation

In the event that you contract Covid-19 and your situation deteriorates, doctors may decide that evacuation to Singapore for further treatment is necessary.

This can be a very expensive process. According to examples from insurance company Chubb, medical evacuation via air ambulance can cost upwards of US$100,000 (S$136,700). You will want to ensure your travel policy has adequate coverage in this area.

When choosing your policy, make sure it provides separate coverage for medical expenses and emergency medical evacuation.

For example, MSIG TravelEasy (Standard) provides $65,000 of combined coverage for overseas medical expenses and emergency medical evacuation.

Allianz Travel Insurance (Bronze) provides $1 million of coverage for medical expenses and a separate $1 million of coverage for emergency medical evacuation.

If your situation is serious enough to warrant repatriation to Singapore, you may well have incurred significant overseas medical expenses already, so it is vital you have something left over to cover the evacuation.

Quarantine allowance

If you receive a positive Covid-19 result while overseas and are asymptomatic or mildly symptomatic, the standard procedure in most VTL countries is to self-isolate in a hotel.

The two situations where travellers are most likely to receive a positive Covid-19 result while overseas are:

• Upon arrival overseas: Assuming the country requires a further Covid-19 test on arrival (most European countries and the United States do not); and
• Pre-departure to Singapore: All VTL travellers to Singapore must take a Covid-19 antigen rapid test/polymerase chain reaction (PCR) test within two days of departure.

Getting a positive result on arrival is not a great way to start your vacation, but is unlikely to incur much incremental accommodation costs because you can use the hotel already booked for isolation. However, getting a positive result on your pre-departure test could be expensive because you need to book additional accommodation beyond your originally envisioned return date, as you wait for the all-clear.

A quarantine allowance helps defray some of the additional expenses involved. While most policies offer $50 a day, you are strongly advised to top up a little extra for a policy with $100 a day, to cover the cost of a decent hotel. Also, check how many days of quarantine are covered - some policies offer seven days, others 14 days.

Note that quarantine allowances do not cover situations where quarantine is a published requirement for travel. For example, Singapore residents travelling to Indonesia must undergo a 10-day quarantine on arrival . No claims will be allowed in this respect (travel insurance is meant to cover the possibilities, not the certainties).

There is one thing the quarantine allowance will not cover.

The Immigration & Checkpoints Authority has a policy that says travellers who have been diagnosed with Covid-19 in the last 14 days should not travel to Singapore.

Suppose your pre-departure test in Germany is positive and you are issued a seven-day self-isolation order. After seven days, you clear a Covid-19 PCR test and are released.

You can claim a quarantine allowance for the seven-day period indicated on the self-isolation order, but not the additional seven days you need to wait in Germany before returning to Singapore.

Trip cancellation

Many VTL countries require a pre-departure test before leaving Singapore. Should your result come back positive, you will almost certainly need to cancel your trip.

Trip cancellation protection offers reimbursement for forfeiture of deposits or charges that are unrecoverable - for example, flights, hotels and tickets to attractions.

The emphasis is on the word "unrecoverable". You will usually be required to submit proof that you contacted the merchant to request a refund and were denied. If the merchant agrees to refund you a portion of your costs, that portion is not recoverable from your travel insurer.

But trip cancellation does not cover situations where you get spooked out of travelling because of quarantine requirements or travel advisories.

Certain travel insurance policies may also provide coverage for trip postponement which, as the name suggests, covers the costs incurred in postponing your trip as opposed to cancelling it.

What you should know about Covid-19 coverage

Coverage applies to overseas expenses.

With the exception of trip cancellation or postponement, travel insurance is generally meant to cover you for things that happen outside of Singapore.

In other words, if you require overseas medical treatment for a Covid-19 infection diagnosed in Britain, you can file a claim with your travel insurer.

But if you are diagnosed with Covid-19 after returning to Singapore from Britain, you need to file a claim with your regular health insurance provider for medical treatment received in Singapore.

While the Singapore Government is currently picking up the tab for Covid-19 medical bills for fully vaccinated Singaporeans, permanent residents and long-term pass holders, an exception applies to those who test positive for Covid-19 within 14 days of their arrival in Singapore.

However, these individuals will still be able to tap government subsidies and insurance coverage where applicable. According to the Ministry of Health, the median acute hospital bill for patients who end up in the intensive care unit and require Covid-19 therapeutics is $25,000, although means-tested government subsidies and MediShield Life coverage can reduce the bill to about $2,000 to $4,000 for eligible Singaporeans in subsidised wards.

Covid-19 coverage will be less than general coverage

While travel insurance policies may offer very generous coverage of overseas medical expenses, Covid-19 treatment is usually a much smaller amount.

For example, AXA SmartTraveller offers up to $600,000 of overseas medical expenses, but only up to $150,000 for those specifically related to Covid-19.

I can only surmise that it is because Covid-19 is a relatively novel disease and underwriters prefer to err on the side of caution by limiting their liability.

Mandatory quarantine is not grounds for cancellation

If there is one thing the Omicron variant has done, it is remind people that border restrictions and quarantine requirements are liable to change at short notice.

In recent weeks, for example, Sydney and Melbourne have imposed 72-hour quarantine for all international arrivals, and India reinstated seven-day home quarantine for travellers from Singapore. While both these measures have since been lifted, they are reminders of how fast things can change.

As inconvenient as these things may be, changing regulations, government advisories against travel and border closures are generally not grounds to claim trip cancellation.

Most policies will cover only trip cancellation if you, a travelling companion or family member test positive for Covid-19 prior to departure.

To put it another way, while it is unfortunate you need to spend precious overseas time in quarantine, that is not really the insurer's concern.

If you want a policy that covers such situations, you might want to consider Aviva's travel insurance and its "cancel for any reason" clause.

This covers 50 per cent of your unrecoverable travel and entertainment costs (capped at $5,000) should you decide not to travel, claimable a maximum of once per period of insurance (that is, annual policy-holders can use it only once).

Travel insurance policies with Covid-19 coverage

Travel insurance policies have different tiers and coverage. The chart, Illustrative Pricing For Travel Insurance Policies, uses a seven-day trip to South Korea as the basis for comparison.

My advice would be to look for an insurer that provides coverage for all four areas discussed previously (some policies do not provide quarantine allowance).

Generally, there is no harm in purchasing travel insurance well in advance of your trip, since you are charged only for the days overseas.

For example, an insurance company charges the same for a seven-day trip to South Korea whether you buy it the day before departure or a month in advance. But buying it earlier means you will be covered for specified events that occur in the pre-departure period, such as a positive Covid-19 diagnosis.

Should you eventually decide not to travel, most Singapore-based insurers allow you to cancel and refund your policy, provided no claims have been made. Some may charge an administrative fee.

Other travel insurance options

From airlines.

Instead of purchasing travel insurance from a bank or underwriter directly, passengers flying on certain airlines can purchase or enjoy complimentary travel insurance with Covid-19 coverage.

For example, passengers flying with Singapore Airlines can purchase a policy underwritten by Allianz, which provides up to $1 million of overseas Covid-19 medical expense coverage and trip interruption coverage of up to $150 a day that would cover additional costs incurred due to quarantine.

Likewise, those flying with Scoot can buy a policy underwritten by AXA with $10,000 of overseas Covid-19 medical expense coverage and a daily quarantine allowance of $100. But do note that the relatively low medical coverage will make this unsuitable for certain VTL countries such as Malaysia or Thailand.

Passengers flying on Cathay Pacific, Emirates and Etihad will also enjoy complimentary Covid-19 medical insurance, with no action needed from them.

From overseas

Travellers can also consider purchasing insurance from overseas companies such as SafetyWing and World Nomads. These policies provide coverage for Singapore residents and may be more cost- effective in certain scenarios.

However, it is important to read up on both the seller and underwriter, since you will not have access to mediation bodies like FIDReC in the event of a dispute.

In a nutshell

Remember that travel insurance provides no coverage should your trip be impacted by new quarantine requirements and even border closures. Likewise, there is no coverage against a disinclination to travel, so if you are still on the fence, it is a good idea to hold your fire on any non-refundable bookings.

Venturing overseas without travel insurance was always a foolhardy endeavour prior to Covid-19 and to do so now is borderline insanity.

Do not pinch pennies when it comes to protection - no one ever enjoyed a mai tai on the beach while looking over his or her shoulder.

• Aaron Wong founded The MileLion (milelion.com) to help people travel better for less and impress relatives during Chinese New Year. He was 50 per cent successful.
• A version of this story was published in The MileLion .

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Inbound Travel Insurance

SG Travel Insured is a COVID-19 travel insurance plan specially designed for short-term foreign visitors arriving in Singapore, excluding Singapore Residents. 

As part of the COVID-19 travel insurance and medical treatment guidelines for inbound travellers, all short-term visitors who are not vaccinated will need to have travel insurance for their COVID-19-related medical treatment and hospitalisation costs in Singapore, with a minimum coverage of S$30,000. From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore for entry into Singapore 1 . As one of the appointed insurer by the Emerging Stronger Taskforce Alliance for Action (EST-AfA) on Enabling Safe and Innovative Visitor Experiences to provide inbound travel for foreign visitors, SG Travel Insured provides up to S$250,000 coverage for COVID-19 related costs. With 4 plan types with different levels of coverage to choose from and affordable premium from as low as S$19.15, SG Travel Insured helps defray the costs of COVID-19 medical treatment in Singapore and provides greater peace of mind in the event of other travel mishaps due to COVID-19.

COVID-19 Related Benefits

• Hospitalisation and Medical Expenses
• 24-hour Assistance Hotline
• Repatriation of Mortal Remains  (optional add-on)
• Trip Cancellation  (optional add-on)
• Trip Curtailment  (optional add-on)
• Hospital Cash  (optional add-on)

What is SG Travel Insured?

SG Travel Insured is an inbound travel insurance, with COVID-19 cover, specially designed for short-term visitors to Singapore. 

Do all travellers entering Singapore require mandatory insurance coverage?

(Updated on 31 March 2022) In addition to pre-departure COVID-19 tests and entry visa (where applicable), foreign short-term visitors who are not fully vaccinated must also purchase travel insurance, with a minimum coverage of S$30,000, for COVID-19 related medical treatment and hospitalisation costs, prior to their travel to Singapore.  From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore.  For more information visit the ICA website here:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

I am fully vaccinated. Do I still require COVID-19 Travel Insurance?

From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore [1] . You may wish to review your current protection plans to assess if COVID-19 Travel Insurance is relevant to your needs. A COVID-19 Travel Insurance policy like SG Travel Insured  can help foreign short-term visitors defray the costs of COVID-19 medical treatment in Singapore and provide greater peace of mind in the event of other travel mishaps due to COVID-19. 

Does SG Travel Insured provide the mandatory insurance coverage requirement?

Yes, the mandatory insurance coverage is S$30,000 for COVID-19 related medical treatment and hospitalisation costs in Singapore and SG Travel Insured provides  up to S$250,000 coverage  for COVID-19 related costs.

Who can purchase SG Travel Insured?

SG Travel Insured is available to short-term visitors travelling from all countries and territories^ (except Sanction countries*).

^ Please note that this is subject to change, depending on the developments of the COVID-19 situation.

* Sanction countries refer to: Iran, Syria, Cuba, North Korea, North Sudan, Crimea and Venezuela.

Can I purchase SG Travel Insured for my child?

You may purchase SG Travel Insured for your child who is between the age of 1 month to 17 years old as long as:

• he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days); and
• he/she is accompanied by you.

I’m an Employment Pass holder currently residing in Singapore. Can I purchase SG Travel Insured for a family member who will be visiting Singapore for short-term stay?

Yes, you may purchase SG Travel Insured for your family member as long as he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days).

Does SG Travel Insured provide cover for Training Work Permit workers on work pass in-principle approvals (IPAs)?

No, this policy does not cover Singapore Residents and training work permit workers falls under this category. Singapore Resident means Singapore citizen, Singapore permanent resident, a holder of a valid work permit (training work permit included), employment pass, dependant’s pass, long-term visit pass, S pass or student pass issued by the authorities in Singapore.

Where can I purchase SG Travel Insured?

You can get a quote or purchase SG Travel Insured online ( click here ).

Do I need to provide any documents when purchasing SG Travel Insured?

No, you’re not required to submit any documents. You will only need to complete the required fields during your online policy application ( click here ). 

1 SafeTravel by the Immigration and Checkpoints Authority (ICA). COVID-19 Travel Insurance and Medical Treatment for Inbound Travellers:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

Purchase SG Travel Insured now

City Nomads

COVID-19 Travel Insurance: The Best Coverage for Medical Costs, Cancellations, and More for Singapore Travellers

PUBLISHED December 13th, 2021 05:00 am | UPDATED July 27th, 2022 04:11 pm

Remember the days we could hop on a plane without a care in the world? Post-pandemic , travellers have more to worry about than a once-in-a-blue-moon case of lost luggage . COVID-19 remains a travel risk that can rack up hefty bills when it strikes, from medical costs to quarantine woes to trip cancellations. That means travel insurance is no longer an extra frill – it’s a safety net you can’t skimp on.

As Singapore launches VTLs in quick succession, insurance providers are fast catching up with policies featuring COVID-19 coverage. We’ve combed through the fine print to pick out the best single-trip travel insurance plans with COVID-19 coverage for Singapore travellers, from the budget-friendly to the comprehensive.

Allianz Travel Insurance

For comprehensive coverage at a pocket-friendly price, there’s no beating Allianz Travel’s Comprehensive Bronze  policy. This single-trip plan has you covered in medical emergencies with up to S$1,000,000 in benefits, including selected COVID-19 coverage. Should your trip be cancelled because you test positive for COVID-19 prior to departure – or other covered reasons – you can claim coverage of up to S$15,000. You’ll also get the benefit of peace of mind with 24/7 assistance – their Emergency Medical Assistance team can arrange appointments and even organise direct payment to selected providers.

Their fuss-free claim process is a plus point – unlike providers which require original documents, you can simply upload a scan or photo of your documents to Allianz Travel’s online portal. Folks planning on a longer time abroad can consider their International Health Insurance too. Working much like health insurance at home, this multi-country plan covers not just emergency treatment but also diagnosis and post-treatment care. With 24/7 multilingual support, always-on digital services, and telehealth consultations, it’s ideal for expat families or professionals working abroad.

Allianz Travel ‘s Comprehensive Bronze Plan starts from S$35.10 for Single-Trip Travel Insurance. City Nomads readers can enjoy 40% off travel insurance with the exclusive promo code citynomads40 , from now till 28 February 2022. Get your quote here . 

AIG Travel Guard

There’s nothing like a quarantine order to derail your travel plans in an instant, but having your expenses covered offers some small relief. One major perk of AIG Travel Guard’s COVID-19 coverage is a S$100-per-day quarantine allowance across all policy tiers, in the event that COVID-19 strikes and leaves you in self-isolation.

Their mid-tier Superior Plan offers a stellar range of COVID-19 benefits besides, with up to S$250,000 in coverage for your overseas medical expenses and a 24/7 emergency hotline to count on. Should you test positive for COVID-19 before or during your vacay, there’re travel cancellation and curtailment benefits of up to S$5,000 – more than enough for mid-range trips.

AIG’s Travel Guard Superior Plan starts from S$69 for one-week single-trip travel insurance within Zone 1 countries. Find out more here . 

NTUC Income Travel Insurance

If you’re on a slim budget, make your coverage count with NTUC Income’s frills-free Classic Plan . Automatically included for all single-trip insurance plans, their COVID-19 Coverage Extension offers up to S$150,000 in related medical expenses, and another S$150,000 for emergency medical evacuation needs. For trip cancellations and postponement, you can recoup some losses with a modest S$2,000 in benefits.

Pandemic mishaps aside, the Classic Plan packs solid coverage for personal accidents to the tune of S$150,000, and up to S$250,000 for non-COVID-19 medical expenses. The cherry on top? NTUC Income has partnered with Raffles Medical to offer pre-departure COVID-19 PCR tests at a discounted rate of S$124.20, available upon purchase of a single-trip plan.

NTUC Income’s Classic Plan starts from S$43.32 for a one-week trip within Southeast Asia. Find out more here . 

HL Assurance Travel Protect360

In terms of COVID-19 medical benefits, HL Assurance’s Travel Protect360 Enhanced Plan  sits on the lower end of the spectrum – up to S$50,000 coverage for medical expenses. But it comes with unique features like overseas hospitalization cash benefit of S$100 for every 24 hours, as well as unlimited coverage for medical evacuation.

For trip cancellations and postponement due to COVID-19, the policy extends up to S$1,000 and S$750 in benefits respectively – a fairly slim coverage that may be best suited to weekend getaways. Another unique feature, however, is their No Claim Discount. If you complete a trip without making any claims from your travel insurance, you can enjoy up to 10% off your next travel insurance purchase with HL Assurance.

HL Assurance’s Travel Protect360 Enhanced Plan starts from S$79 for a one-week trip within Southeast Asia; currently, the brand is offering a half-price discount at S$39.50. Find out more here . 

Singlife Travel Insurance

If you’re after a truly comprehensive safety net to put your mind at ease, Singlife’s Travel Prestige plan has all the bases on medical expenses covered. This top-tier policy features unlimited coverage for overseas medical expenses, albeit with a maximum of S$20,000 to cover medical costs related to COVID-19. Grounded in quarantine overseas? Take comfort in an allowance of S$100 for every 24 hours. There’s unlimited coverage for emergency medical repatriation due to COVID-19 too.

Outside of COVID-19 woes, this plan is a notable all-rounder. Besides generous benefits on personal accident protection and overseas hospitalization income, you’re covered for emergency chiropractor and Chinese physician treatments too.

Singlife’s Travel Prestige plan starts from S$69.43 for a one-week trip within ASEAN countries. Find out more here . 

Great Eastern TravelSmart Premier

If you’re travelling to a VTL destination, Great Eastern’s TravelSmart Premier with COVID-19 coverage is another ultra-comprehensive option. Their plan’s Elite  tier involves up to S$150,000 coverage for medical and hospitalization expenses should you be diagnosed with COVID-19. And should the worst happen before your trip, the cancellation and disruption benefits of up to S$5,000 have your wallet well-covered.

For medical expenses non-related to COVID-19, it’s worth noting that Great Eastern’s plan has your back for both overseas and Singapore expenses – including hospital stays upon return to Singapore, TCM, and chiropractic treatments. You can count on their emergency assistance services for 24-hour help too.

Great Eastern’s TravelSmart Premier Elite plan starts from S$67 for a one-week trip within VTL countries. Find out more here . 

Top Image: Getty Images/iStockphoto

Deputy Editor

Jolene has a major sweet tooth and would happily eat pastries for all meals. When she’s not dreaming of cheesecake, she can be found in the dance studio, working on craft projects, or curled up with a good book.

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Be it for work, leisure, or to visit loved ones overseas, travel worry-free with our newly added COVID-19 coverage.

With effect from 5 November 2021, the COVID-19 coverage under our Ultimate and Essential plans will automatically extend to countries under the latest permitted travel arrangements as per the Singapore Government travel advisory at the point of your purchase. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meets the requirement of your intended destination(s). For full details of our COVID-19 coverage and exclusions, please refer to the Eligibility and Policy Wording .

Simply make your purchase of Explorer Travel Insurance Essential or Ultimate plans via the OCBC Digital app to qualify.

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Terms and Conditions governing Explorer 40% and 15% Discount apply .

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Enjoy an enhanced COVID-19 coverage Our Essential and Ultimate plans now include COVID-19 coverage under the Singapore Government travel advisory.

To be eligible, the following conditions must be met:

• You have not served stay home notice, been quarantined due to COVID-19 or travelled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before the commencement date of your trip.
• If required by the authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours prior to the scheduled departure time of your trip and must be tested negative. Otherwise, there will be no coverage for overseas medical expenses and repatriation of mortal remains.
• You have not been diagnosed with COVID-19 at the point of purchase.
• You are purchasing a single trip two-way and annual multi-trip policies.

The following sub-limits apply for these coverages:

• Benefits / Sum Insured
• Essential Plan Enhanced coverage
• Ultimate Plan Most comprehensive coverage

Medical expenses incurred overseas Covers the medical expenses incurred overseas if the insured is diagnosed with COVID-19 whilst overseas.

Emergency medical evacuation Covers cost required for emergency medical evacuation expenses while overseas if insured person is diagnosed with COVID-19 overseas.

Repatriation and compassionate expenses Covers the cost of transporting Insured Person's body and ashes back to Singapore if he/she dies overseas due to COVID-19.

Travel inconveniences

(If you or a travel companion is diagnosed with COVID-19 while overseas)

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

(If you are placed under mandatory quarantine by the local authorities as a result of you being diagnosed with COVID-19 while you are overseas)

$50/day (Up to $700)

$100/day (Up to $1,400)

If you are hospitalized as a result of you being diagnosed with COVID-19 while you are overseas

If you are hospitalized or quarantined overseas as a result of you being diagnosed with COVID-19 while you are overseas

Up to 30 days

Overall limit per policy

(applicable to group purchases)

Choose from 3 travel insurance plans

Explorer offers you coverage with reimbursement for inconveniences, disruptions and medical expenses incurred while travelling.

Please refer to the table below for the Individual Cover limits. The limits under Family Cover are subject to the Individual Cover limits under the same plan for each Insured Person.

• Coverage ($)
• Starter Plan Basic coverage

Accidental Death and Permanent Disablement

Accidental Death on Public Transport

Medical reimbursement

(a)  Medical expenses incurred overseas

(b)  Medical expenses incurred in Singapore

(c)  Traditional Chinese Medical (TCM) treatment

Maximum Aggregate Limit for (a), (b) and (c)

Hospital cash

(a)  Hospital confinement

$200 per day

Maximum $20,000

$200 per day Maximum $30,000

Maximum $40,000

$100 per day

Maximum $7,000

Maximum $1,000

Maximum $1,500

(b)  Hospital visitation/compassionate visit

(c) Child companion

Emergency medical evacuation

Repatriation of mortal remains

Emergency telephone charges

Maximum aggregate limit

Trip cancellation

Trip postponement, trip interruption.

Trip curtailment

Overbooked flight

Travel missed connection

Travel delay

$100 Every 6 Hours

Maximum $2,000

Maximum $3,000

Maximum $500

Delay due to hijack

$250 Every 6 Hours

Maximum $7,500

Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack

Personal liability

Baggage loss

Personal money

Travel documents

Baggage delay

$200 Every 6 Hours

Maximum $200

Kidnap and Hostage

Maximum $5,000

Terrorism extension

Automatic extension of cover

Leisure adventurous activities

Not covered

The limits under Family Cover are subject to limits under the same plan for each Insured Person.

Boost your coverage with optional add-ons Sometimes, your basic travel coverage isn’t enough. That’s why we have 4 add-on options to cater to your travel needs.

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Sports equipment cover

Top-up cover for laptop computer, netbook and tablet under baggage loss

Rental vehicle excess

Home contents

Call our 24-hour emergency assistance hotline at +65 6708 7453 for travel and medical assistance. This includes translation assistance, medical advice, arrangement of hospital admission, emergency medical evacuation and more.

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Log in to OCBC Digital app and tap on “Insure and stay protected”.

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Input your travel details (promo code will be automatically applied). Then, tap on “View plans” to choose your preferred plan.

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Review your policy and slide to complete the purchase. You’re all set for your trip!

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Terms and conditions

Terms and Conditions governing Explorer 40% and 15% Discount

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Common questions about Explorer Travel Insurance

Yes, you are able to purchase the plan as long as you have fully recovered and are diagnosed as negative for COVID-19.

We will follow all vaccination, pre-departure tests and post-arrival tests requirements imposed by the authorities.

For some countries, self-administered ART, PCR or other self-test kit will not be accepted for pre-departure COVID-19 test to fly out of Singapore.

You must make an appointment from the list of MOH-approved COVID-19 test providers found on MOH website ( https://www.moh.gov.sg/licensing-and-regulation/regulations-guidelines-and-circulars/details/list-of-COVID-19-swab-providers ).

The COVID-19 Trip Cancellation coverage is claimable if you are forced to cancel your trip within the 30 days that it was due to start as a result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.

No. COVID-19 is only applicable should the trip is permitted under the latest permitted travel arrangement as per Singapore Government travel advisory.

You may refer to https://safetravel.ica.gov.sg/ for more information on the latest travel advisories issued by the Singapore government.

A medical practitioner has to diagnose that you are positive with COVID-19 while overseas. You are required to provide us with supporting documents such as Inpatient Discharge Summary Report (IPDS), doctor’s memo or diagnosis indicated on the Medical Certificate.

A Medical practitioner is a person who is registered and legally qualified as a doctor, has a medical degree in Western medicine, and is authorized by the medical licensing authority of the relevant country to provide the medical or surgical services their licence and training relate to.

The medical practitioner cannot be the insured or an insured person, or:

• their husband, wife or unmarried partner;
• their business partner, employer, employee or agent;
• their travel companion; or
• any person who is related to an insured person or the insured in any way, including by marriage or adoption.

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 upon arriving in Singapore, after your journey, you will not be covered by the policy.

Terms and conditions governing Explorer Promotion

• Discounts shall apply on plans purchased online. Offer ends 31 March 2020.
• No other promotion shall be applied together with the above discount on Single Trip and Annual Plans.
• OCBC Bank reserves the right at its sole and absolute discretion to terminate the promotion or make changes to the promotion or any of these terms and conditions at any time without notice.
• The decision of OCBC Bank on all matters relating to this promotion shall be final and binding.

Sub-limits are part of the original limit for each coverage. They do not provide extra coverage, but set a maximum to cover a specific loss. For non-COVID-19 coverage, the coverage amount will be as per existing coverage plan .

Covers non-refundable travelling and accommodation expenses, as well as any change in entertainment tickets paid in advance because you or your travel companion are diagnosed with COVID-19 by a medical practitioner, and as a direct result you are forced to change any part of your trip.

Covers the irrecoverable travel (on economy class), accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is cancelled due to you, a relative or a travel companion being diagnosed with COVID-19 in Singapore within 30 days prior to the trip commencement.

Covers the irrecoverable administrative charges of travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance if you are forced to postpone your trip within the 30 days before it was due to start as a direct result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.

Attention: Claims Department Great Eastern General Insurance Limited 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659

Family plan

• Single Trip Policy : shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted children, OR any one or two adults who are not related by marriage and a maximum of four children who must be least Family related (i.e. biological or legally adopted Child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the Adults.
• Annual Trip Cover : shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted Children.

We will only reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19 by a medical practitioner.

If you pass away overseas within 30 days from the date you are diagnosed with COVID-19 by a medical practitioner.

The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a   wholly-owned   subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Claims arising from events that have already occurred or made known to public via authorities or media before your application will not be covered.

Information presented as at 1 January 2024.

Policy Owner's Protection Scheme

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

Policy Owners’ Protection Scheme

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Via Great Eastern

More convenience with prepopulated personal details when you buy insurance via OCBC Online Banking. Choose to pay with your OCBC Savings/Current Account or OCBC Credit/Debit Card.

By clicking on "Apply now", you will be leaving the OCBC Bank website to Great Eastern's website. OCBC Bank has no control over this website and is not responsible for its contents.

You are leaving the OCBC Bank's website to access Great Eastern's website.

By clicking on "Proceed", you acknowledge the following:

• You have chosen not to seek advice on the suitability of this product. You should consider if this product is suitable for your financial circumstances or needs.

Clinics offering PCR swab tests

OneCare Medical

• 4 Woodlands Street 12, #02-57, Singapore 738623, Tel: +65 6363 2919
• 1 Raffles Place, #05-15/16, Singapore 048616, Tel: +65 6532 2692
• 315 Upper Changi Road, #01-01, Singapore 467347, Tel: +65 6970 0813
• Blk 449 Clementi Avenue 3, #01-241 Lot C, Singapore 120449, Tel: +65 6970 9300
• 15 Petir Road, #01-66 Bukit Panjang Integrated Transport Hub, Singapore 678270, Tel: +65 6518 4055

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Instant travel insurance with Travel Cover

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Why Travel Cover

Quick and easy.

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

Travel insurance benefits

Whether you’re on a trip overseas or a cruise to nowhere, we’ll cover you for overseas medical expenses, travel delays, lost baggage and more! The additional COVID-19 benefits reimburses you for trip curtailment, overseas hospital confinement and other quarantine benefits.

Great value

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

Price per day

Worldwide excluding USA, Canada, Cuba

Worldwide excluding cuba, travel insurance benefits, claim limit.

Accidental Death & Disablement

Overseas Medical Expenses (Covers COVID-19)

Emergency Medical Evacuation and Repatriation (Covers COVID-19)

Journey Cancellation and Curtailment (Covers COVID-19)

Loss of or Damage to Personal Property and Baggage

24-Hour Travel and Medical Assistance

Got questions? We’ve got answers.

For more questions, please visit our Help Centre .

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

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

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

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

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

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

Adventurous activities

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

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

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

Must-have travel insurance at a great value

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Terms and Conditions: Travel Cover New User Promotion

• The promo is valid only for first-time users of Travel Cover. • A minimum spend of $20 must be made to qualify for the promo.  • The discount is capped at $20, and limited to 1 redemption per user. • To apply the promo, users need to select the voucher “Travel Cover: new user 50% off” under “Add offers'' at the payment checkout page. The discount will be applied immediately on the final purchase amount upon successful application of the voucher. • Offer is valid until 31 March 2024, or until redemptions last. Limited total redemptions are available on a first-come-first-served basis.

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

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

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

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

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

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Follow our news, recent searches, insurers revise coverage for covid-19 travel cancellations, quarantine allowance, advertisement.

A Singapore Airlines flight from Frankfurt approaching Singapore's Changi Airport on Sep 8, 2021. (Photo: Kurt Ganapathy)

Ang Hwee Min

SINGAPORE: Travel insurers have revised their coverage for COVID-19-related incidents, as measures ease and borders open up in Singapore and overseas. 

Insurers here told CNA they have observed that customers’ travel needs are changing amid the pandemic, and there are many considerations when planning for an overseas trip. 

“There is still a lot of hesitation when it comes to travelling overseas because the COVID-19 situation in many countries is still volatile,” said vice-president and head of personal lines at Income Annie Chua. 

Hotels and airlines have also revised cancellation and refund policies so that customers have recourse if they have to cancel their trips, she said.

Singapore launched its  first two vaccinated travel lanes with Germany and Brunei on Sep 8. The first two designated flights returning from Frankfurt and Munich arrived on Sep 8 and 9 respectively. 

Travellers who return on the designated vaccinated travel lane flights do not have to serve a stay-home notice, and only need to do routine tests for COVID-19. Germany also does not have restrictions based on vaccination status or quarantine requirements for visitors from Singapore.

Income said it has offered COVID-19 coverage for overseas medical expenses under its travel insurance plans since November last year. This includes coverage of up to US$100,000 for COVID-19-related hospitalisation expenses overseas and costs incurred for medical evacuation of up to US$100,000. 

The COVID-19 benefits are excluded from travel insurance plans bought for trips to countries that the World Health Organization has deemed “high-risk” for COVID-19 at the time they are purchased. 

“We are currently looking into adding suitable coverage for trip disruptions which are the result of having to serve a quarantine order or stay-home notice, or if a family member of the insured party is diagnosed with COVID-19,” said Ms Chua. 

‘Smooth and seamless’ process for first passengers under vaccinated travel lane from Germany to Singapore

Singapore to launch its first vaccinated travel lanes with Germany and Brunei

“We understand that customer needs are changing as a result of COVID-19. There are many considerations one has to make when planning for a trip or even deciding whether or not to travel,” said managing director of retail and health at AXA Insurance Julien Callard. 

AXA has enhanced two of its travel insurance plans – the AXA SmartTraveller and AXA Wanderlust – since December 2020 and July respectively. 

The enhancements provide coverage for pandemic-related scenarios that have “generally been excluded” from travel insurance plans since COVID-19 was declared a pandemic, said Mr Callard. 

For example, the plans cover scenarios like having to cancel the trip after failing the temperature screening at the departure gate at the airport, and later testing positive for COVID-19. 

Some other possible scenarios include having to cancel or postpone the trip when a family member or sole travelling companion tests positive for COVID-19, if a family member who is to host the traveller overseas during the trip tests positive, or if the traveller tests positive during the trip and needs to be hospitalised or quarantined. 

The plans also cover situations where a traveller has to curtail or rearrange their trip due to an outbreak while overseas, “unavoidably incurring” additional accommodation costs to extend their stay in the country, or where they have to rearrange their itinerary while overseas if there are no flights due to the pandemic. 

Some countries also require inbound visitors to have travel insurance that covers COVID-19-related medical expenses with a minimum amount, Mr Callard noted. 

AXA also has a 24/7 hotline for travellers to provide assistance on policy coverage and where they can get information on the nearest hospitals or clinics, as well as receive medical consultations over the phone, he added. 

AIG Asia Pacific Insurance revised its Travel Guard insurance plan in June to cover overseas COVID-19-related medical and evacuation costs incurred if travellers test positive on their trip, its head of auto and travel Teo Ser Foong told CNA. 

For return trips, the enhanced plan covers trip cancellations or postponements if the traveller or their relatives are diagnosed with COVID-19 before the date of departure, subject to terms and conditions, he said. 

“You are also covered for travel curtailment if you or your relative are diagnosed with COVID-19 whilst travelling and need to return to Singapore earlier than planned,” Mr Teo added. 

The plan also includes quarantine allowance if individuals test positive for COVID-19 and are unexpectedly placed in mandatory quarantine outside of Singapore, he noted. 

However, insurers CNA spoke to said their travel insurance plans do not cover incidents where a traveller discovers that they have caught the virus upon their return to Singapore. 

The policies also do not cover trip cancellations or postponements due to changing regulations in the country the individual is travelling to, they said. 

“Even though there continues to be some COVID-19 exclusions with our travel insurance plans, we are working to keep our offerings relevant to meet our customers’ evolving needs,” said Income’s Ms Chua.

“On top of that, travel insurance also remains important to cover other losses that are not related to COVID-19 while travelling, such as damage to personal belongings, personal accident or travel delays.”

BOOKMARK THIS: Our comprehensive coverage of the COVID-19 pandemic and its developments

Download  our app  or subscribe to our Telegram channel for the latest updates on the coronavirus pandemic:  https://cna.asia/telegram

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AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt

Editor & Content Contributor

85 Published Articles 484 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3147 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

• Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
• The health insurance you use at home doesn’t work at your destination.
• You’re planning activities that aren’t covered by your health insurance.
• Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
• You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies  exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

• Traveling to Japan a month from now
• Trip cost: $2,500
• Initial trip deposit paid within the last 24 hours
• State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

• COVID-19 coverage
• Minimum $250,000 emergency medical benefit
• Minimum $1 million emergency medical benefit
• 100% trip cancellation
• 150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

• Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

• Completed claim form
• Policy verification
• Booking confirmation, such as a ticket or proof of purchase
• Your original unused, nonrefundable tickets
• Your new ticket with confirmation of early return
• A cancellation statement from travel suppliers
• A medical report or physician statement if you interrupted the trip due to medical necessity
• Death certificate, if applicable
• Documentation of circumstances that led to trip interruption
• Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Best Travel Insurance for Seniors of May 2024

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Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

How we reviewed travel insurance for seniors

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

What should seniors specifically look for in a travel insurance policy?

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

How much does senior travel insurance cost?

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

Are pre-existing medical conditions covered by travel insurance for seniors?

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

What is the best travel insurance for seniors?

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

Does travel insurance have an age limit?

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

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Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Singapore
• Travel Insurance For Indonesia
• Travel Insurance For Vietnam
• Travel Insurance For South Africa
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review
• Tick Travel Insurance Review

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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.