SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised insurance broker regulated by the Monetary Authority of Singapore (“MAS”)

SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised insurance broker regulated by the Monetary Authority of Singapore (“MAS”)

Getting best prices for you...
Starr TraveLead Comprehensive with COVID-19 Coverage (Bronze Plan)

Starr TraveLead Comprehensive with COVID-19 Coverage (Bronze Plan)

  • Win free flights for a year
  • Receive your reward INSTANTLY
  • Lowest price in Singapore
  • Fast checkout
  • Unlimited Emergency Medical Evacuation and Repatriation
  • High coverage for gadgets, such as laptops and cameras
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 15,000

    Covid-19 medical expenses

Allianz Travel Hero - Elite

Allianz Travel Hero - Elite

  • Win free flights for a year
  • Available only on SingSaver
  • Child coverage same as adults
  • Affordable COVID-19 coverage without sub-limits
  • Reimburse purchase of essential items for baggage delays
  • S$ 3,000

    Trip cancellation

  • S$ 300,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 300,000

    Covid-19 medical expenses

Singlife Travel Lite

Singlife Travel Lite

  • Win free flights for a year
  • Up to 28% off with code FLY28
  • Lowest price in Singapore
  • Comprehensive outdoor activities coverage
  • Up to 50% off for MINDEF/MHA/POGIS policyholders
  • S$ 5,000

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 50,000

    Covid-19 overseas medical expense

Zurich Travel Insurance - Basic

Zurich Travel Insurance - Basic

  • 10% off with code SSZURICH
  • New on SingSaver
  • Unlimited Medical Evacuation Coverage
  • Comprehensive COVID-19 coverage
  • Recommended for budget weekend trips within ASEAN
  • S$ 2,500

    Trip cancellation

  • S$ 50,000

    Overseas medical expenses

  • S$ 2,000

    Loss of baggage

  • S$ 50,000

    Covid-19 medical expenses

FWD Premium

FWD Premium

  • Win free flights for a year
  • Up to 30% off with code FWDTRAVEL
  • Lowest price in Singapore
  • Fast claim processing
  • Affordable comprehensive coverage
  • Highly customisable
  • Add-on: Get 50% expenses back when you cancel for any reason
  • S$ 7,500

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

AIG Travel Guard® Direct - Basic

AIG Travel Guard® Direct - Basic

  • Win free flights for a year
  • 20% off with code SS20OFF
  • Lowest price in Singapore
  • 24/7 travel assistance
  • Comprehensive Covid-19 coverage
  • Flexibility to alter policy for travel changes
  • S$ 5,000

    Trip cancellation

  • S$ 100,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Singtel Travel Protect - Value

Singtel Travel Protect - Value

  • Win free flights for a year
  • 50% off with code 50SAVER
  • Lowest price in Singapore
  • Seamless claim process with PayNow
  • Additional mobile benefits for Singtel Mobile customers
  • S$ 5,000

    Trip cancellation

  • S$ 150,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Allied World Travel Protector Plan 1

Allied World Travel Protector Plan 1

  • Win free flights for a year
  • Lowest price in Singapore
  • Comprehensive Covid-19 coverage
  • Great for outdoor activities
  • High baggage coverage
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 100,000

    Covid-19 medical expenses

Great Eastern TravelSmart Premier Classic

Great Eastern TravelSmart Premier Classic

  • Up to 45% off with code EARLY45
  • Lowest price in Singapore
  • High overseas medical coverage
  • High trip cancellation coverage
  • High baggage delay coverage
  • S$ 10,000

    Trip cancellation

  • S$ 300,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 50,000

    Covid-19 medical expense

  • Lowest price in Singapore
  • Highly customisable
  • Children get same coverage as adults
  • Cover up to 4 children for free with Family Plan
  • S$ 3,000

    Trip cancellation

  • S$ 150,000

    Overseas medical expenses

  • S$ 1,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Tiq Travel Entry

Tiq Travel Entry

  • Up to 55% off with code TIQSINGSAVER
  • Lowest price in Singapore
  • Great flight delay perks
  • Instant claims via PayNow
  • Instant payout for 3hr flight delay
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 2,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Seedly Travel Safe

Seedly Travel Safe

  • Available only on SingSaver
  • Receive your reward INSTANTLY
  • Fast checkout
  • Family-focused coverage
  • Comprehensive coverage
  • Budget-friendly
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 200,000

    Covid-19 medical expenses

SOMPO Travel Insurance (Essential)

SOMPO Travel Insurance (Essential)

  • Lowest price in Singapore
  • Exclusive cashless outpatient services in Japan
  • Extensive rental vehicle coverage
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 1,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

TM Xplora Plus Classic

TM Xplora Plus Classic

  • Lowest price in Singapore
  • Adventure sports coverage
  • Flexible baggage delay coverage
  • S$ 5,000

    Trip cancellation

  • S$ 300,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Starr TraveLead Comprehensive with COVID-19 Coverage (Silver Plan)

Starr TraveLead Comprehensive with COVID-19 Coverage (Silver Plan)

  • Win free flights for a year
  • Receive your reward INSTANTLY
  • Lowest price in Singapore
  • Fast checkout
  • Unlimited Emergency Medical Evacuation and Repatriation
  • High coverage for gadgets, such as laptops and cameras
  • S$ 10,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 30,000

    Covid-19 medical expenses

Singlife Travel Plus

Singlife Travel Plus

  • Win free flights for a year
  • Up to 28% off with code FLY28
  • Lowest price in Singapore
  • Comprehensive frequent flyer points coverage
  • Comprehensive outdoor activities coverage
  • 50% reimbursement for trip cancellation
  • Up to 50% off for MINDEF/MHA/POGIS policyholders
  • S$ 15,000

    Trip cancellation

  • S$ 2,000,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 100,000

    Covid-19 overseas medical expense

FWD Business

FWD Business

  • Win free flights for a year
  • Up to 30% off with code FWDTRAVEL
  • Lowest price in Singapore
  • Fast claim processing
  • Affordable comprehensive coverage
  • Highly customisable
  • Add-on: Get 50% expenses back when you cancel for any reason
  • S$ 10,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Allianz Travel Hero - Premium

Allianz Travel Hero - Premium

  • Win free flights for a year
  • Available only on SingSaver
  • Child coverage same as adults
  • Affordable COVID-19 coverage without sub-limits
  • S$ 3,000

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 0

    Loss of baggage

  • S$ 250,000

    Covid-19 medical expenses

Singtel Travel Protect - Economy

Singtel Travel Protect - Economy

  • Win free flights for a year
  • 50% off with code 50SAVER
  • Lowest price in Singapore
  • Seamless claim process with PayNow
  • Additional mobile benefits for Singtel Mobile customers
  • S$ 10,000

    Trip cancellation

  • S$ 350,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Allied World Travel Protector Plan 2

Allied World Travel Protector Plan 2

  • Win free flights for a year
  • Lowest price in Singapore
  • Comprehensive Covid-19 coverage
  • Great for outdoor activities
  • High baggage coverage
  • S$ 10,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 150,000

    Covid-19 medical expenses

AIG Travel Guard® Direct - Standard

AIG Travel Guard® Direct - Standard

  • Win Free Flights For A Year
  • 20% off with code SS20OFF
  • Lowest price in Singapore
  • 24/7 travel assistance
  • Comprehensive Covid-19 coverage
  • Flexibility to alter policy for travel changes
  • S$ 5,000

    Trip cancellation

  • S$ 200,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Great Eastern TravelSmart Premier Elite

Great Eastern TravelSmart Premier Elite

  • Up to 45% off with code EARLY45
  • Lowest price in Singapore
  • High overseas medical coverage
  • High trip cancellation coverage
  • High baggage delay coverage
  • S$ 15,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 150,000

    Covid-19 medical expense

  • Lowest price in Singapore
  • Highly customisable
  • Children get same coverage as adults
  • Cover up to 4 children for free with Family Plan
  • High personal accident coverage
  • S$ 10,000

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Tiq Travel Savvy

Tiq Travel Savvy

  • Up to 55% off with code TIQSINGSAVER
  • Lowest price in Singapore
  • Great flight delay perks
  • Instant claims via PayNow
  • Instant payout for 3hr flight delay
  • Hospital visitation coverage
  • S$ 5,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 2,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Zurich Travel Insurance - Essential

Zurich Travel Insurance - Essential

  • 10% off with code SSZURICH
  • New on SingSaver
  • Unlimited Medical Evacuation Coverage
  • Comprehensive COVID-19 coverage
  • Recommended for budget weekend trips within ASEAN
  • S$ 5,000

    Trip cancellation

  • S$ 125,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 125,000

    Covid-19 medical expenses

  • Lowest price in Singapore
  • Enjoy no claims discount
  • S$ 7,000

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 50,000

    Covid-19 medical expenses

Seedly Travel Secure

Seedly Travel Secure

  • Available only on SingSaver
  • Receive your reward INSTANTLY
  • Fast checkout
  • Family-focused coverage
  • Comprehensive coverage
  • High baggage loss coverage
  • S$ 10,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 10,000

    Loss of baggage

  • S$ 500,000

    Covid-19 medical expenses

SOMPO Travel Insurance (Superior)

SOMPO Travel Insurance (Superior)

  • Lowest price in Singapore
  • Exclusive cashless outpatient services in Japan
  • Extensive rental vehicle coverage
  • High baggage delay coverage
  • S$ 10,000

    Trip cancellation

  • S$ 400,000

    Overseas medical expenses

  • S$ 1,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

TM Xplora Plus Premier

TM Xplora Plus Premier

  • Lowest price in Singapore
  • Adventure sports coverage
  • Flexible baggage delay coverage
  • S$ 10,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 7,500

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Starr TraveLead Comprehensive with COVID-19 Coverage (Gold Plan)

Starr TraveLead Comprehensive with COVID-19 Coverage (Gold Plan)

  • Win free flights for a year
  • Receive your reward INSTANTLY
  • Lowest price in Singapore
  • Fast checkout
  • Unlimited Emergency Medical Evacuation and Repatriation
  • High coverage for gadgets, such as laptops and cameras
  • S$ 15,000

    Trip cancellation

  • S$ 1,000,000

    Overseas medical expenses

  • S$ 7,500

    Loss of baggage

  • S$ 65,000

    Covid-19 medical expenses

Singlife Travel Prestige

Singlife Travel Prestige

  • Win free flights for a year
  • Up to 28% off with code FLY28
  • Lowest price in Singapore
  • Comprehensive frequent flyer points coverage
  • Comprehensive outdoor activities coverage
  • 50% reimbursement for trip cancellation
  • Up to 50% off for MINDEF/MHA/POGIS policyholders
  • S$ 20,000

    Trip cancellation

  • Unlimited

    Overseas medical expenses

  • S$ 8,000

    Loss of baggage

  • S$ 200,000

    Covid-19 overseas medical expense

FWD First

FWD First

  • Win free flights for a year
  • Up to 30% off with code FWDTRAVEL
  • Lowest price in Singapore
  • Fast claim processing
  • Affordable comprehensive coverage
  • Highly customisable
  • Add-on: Get 50% expenses back when you cancel for any reason
  • S$ 15,000

    Trip cancellation

  • S$ 1,000,000

    Overseas medical expenses

  • S$ 7,500

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Allianz Travel Hero - Standard

Allianz Travel Hero - Standard

  • Win free flights for a year
  • Available only on SingSaver
  • Child coverage same as adults
  • Affordable COVID-19 coverage without sub-limits
  • S$ 0

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 0

    Loss of baggage

  • S$ 250,000

    Covid-19 medical expenses

Singtel Travel Protect - Premium

Singtel Travel Protect - Premium

  • Win free flights for a year
  • 50% off with code 50SAVER
  • Lowest price in Singapore
  • Seamless claim process with PayNow
  • Additional mobile benefits for Singtel Mobile customers
  • S$ 15,000

    Trip cancellation

  • S$ 1,000,000

    Overseas medical expenses

  • S$ 8,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Allied World Travel Protector Plan 3

Allied World Travel Protector Plan 3

  • Win free flights for a year
  • Lowest price in Singapore
  • Comprehensive Covid-19 coverage
  • Great for outdoor activities
  • High baggage coverage
  • S$ 15,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 250,000

    Covid-19 medical expenses

AIG Travel Guard® Direct - Enhanced

AIG Travel Guard® Direct - Enhanced

  • Win free flights for a year
  • 20% off with code SS20OFF
  • Lowest price in Singapore
  • 24/7 travel assistance
  • Comprehensive Covid-19 coverage
  • Flexibility to alter policy for travel changes
  • S$ 10,000

    Trip cancellation

  • S$ 1,000,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

  • Lowest price in Singapore
  • Highly customisable
  • Children get same coverage as adults
  • Cover up to 4 children for free with Family Plan
  • High personal accident coverage
  • S$ 15,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Zurich Travel Insurance - Prestige

Zurich Travel Insurance - Prestige

  • 10% off with code SSZURICH
  • New on SingSaver
  • Unlimited Medical Evacuation Coverage
  • Comprehensive COVID-19 coverage
  • Recommended for budget weekend trips within ASEAN
  • S$ 7,500

    Trip cancellation

  • S$ 250,000

    Overseas medical expenses

  • S$ 5,000

    Loss of baggage

  • S$ 250,000

    Covid-19 medical expenses

  • Lowest price in Singapore
  • Enjoy no claims discount
  • S$ 12,000

    Trip cancellation

  • S$ 500,000

    Overseas medical expenses

  • S$ 7,000

    Loss of baggage

  • S$ 150,000

    Covid-19 medical expenses

Tiq Travel Luxury

Tiq Travel Luxury

  • Up to 55% off with code TIQSINGSAVER
  • Lowest price in Singapore
  • Great flight delay perks
  • Instant claims via PayNow
  • Instant payout for 3hr flight delay
  • Hospital visitation coverage
  • S$ 10,000

    Trip cancellation

  • S$ 1,000,000

    Overseas medical expenses

  • S$ 3,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

AIG Travel Guard® Direct - Supreme

AIG Travel Guard® Direct - Supreme

  • Win free flights for a year
  • 20% off with code SS20OFF
  • Lowest price in Singapore
  • 24/7 travel assistance
  • Comprehensive Covid-19 coverage
  • Flexibility to alter policy for travel changes
  • High overseas medical expenses coverage
  • S$ 15,000

    Trip cancellation

  • S$ 2,500,000

    Overseas medical expenses

  • S$ 10,000

    Loss of baggage

  • S$ 0

    Covid-19 medical expenses

Looking for other Travel Insurance providers or plans?

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Compare the Best Travel Insurance Plans 2024 by Insurance Provider

 

Insurance Provider Best For Medical Coverage (Overseas) Trip Cancellation Coverage Loss or Baggage Premium
Starr TraveLead Essential with COVID-19 Coverage (Bronze Plan) Coverage Customisation S$200,000 S$0 S$0 From S$29
MSIG TravelEasy Pre-Ex Pre-existing medical conditions, sports/adventures S$250,000 S$5,000 S$3,000 From S$38
TIQ Travel Entry Family plans, hospital allowance S$200,000 S$5,000 S$2,000 From S$21
FWD Premium (COVID-19 Rider Available) Budget single trip plan, emergencies S$200,000 S$7,500 S$3,000 From S$17
AIG Travel Guard Direct (Standard) COVID-19 overseas medical related expenses S$200,000 S$5,000 S$3,000 From S$23
Allianz Travel Comprehensive High medical coverage S$200,000 S$5,000 S$3,000 From S$33
Singlife Travel Lite Protection of your frequent flyer points, overseas wedding & photoshoot S$200,000 S$5,000 S$3,000 From S$47
Sompo Travel (COVID-19) Insurance Baggage delay S$250,000 S$5,000 S$1,000 From S$36
Allied World Travel Protector Plan 1 Comprehensive bonus benefits S$200,000 S$5,000 S$3,000 From S$32
Singlife travel insurance plans Best comprehensive coverage S$250,000 S$5,000 S$3,000 From S$47
Singlife travel insurance plans Best medical coverage S$250,000 S$5,000 S$3,000 From S$33
FWD travel insurance plans Best affordability (lowest premiums) S$200,000 S$7,5000 S$3,000 From S$17
TIQ travel insurance plans Best flight diversion/cancellation/postponement S$200,000 S$5,000 S$2,000 From S$21
AIG Travel Guard Plans Best baggage loss coverage S$200,000 S$5,000 S$3,000 From S$23
Singlife travel insurance plans Best natural disaster coverage S$250,000 S$5,000 S$3,000 From S$47
TIQ travel insurance plans Best for adventure activities and extreme sports S$200,000 S$5,000 S$2,000 From S$21
MSIG TravelEasy Pre-Ex Plans Best for pre-existing conditions S$250,000 S$5,000 S$3,000 From S$38
AIG Travel Guard annual multi-trip plans Best for frequent travellers S$200,000 S$5,000 S$3,000 From S$489
MSIG TravelEasy Pre-Ex plans Best for pregnant travellers S$250,000 S$5,000 S$3,000 From S$38
DirectAsia travel insurance plans Best for family travellers S$150,000 S$3,000 S$1,000 From S$25
Allianz travel insurance plans Best COVID-19 coverage S$200,000 S$5,000 S$3,000 From S$33
FWD travel insurance plans Best cancellation for any reason coverage S$200,000 S$7,5000 S$3,000 From S$17
Singlife travel insurance plans Best for rental vehicle excess S$250,000 S$5,000 S$3,000 From S$47
Starr TraveLead plans Best cruise coverage S$200,000 S$0 S$0 From S$29
Income Travel Insurance Standard Plan Best post-departure travel insurance S$250,000 S$5,000 S$3,000 From $42

 

 

How Do I Choose the Best Travel Insurance?

 

Travelling can be an exciting experience but it can also be an expensive one seeing as how there are many uncertainties and potential risks that are involved with going abroad. It is important that you have the best travel insurance coverage to protect you and your trip. With the abundance in availability for travel insurance plans in Singapore, it is only right you know what to look at when picking the most suitable travel insurance plans for you. Here are some of the things you might want to consider before deciding on your choice of travel insurance plans.

 

1. Understand and Evaluate the Overall Coverage

 

It is important to evaluate the overall coverage offered by a policy. This includes looking at the types of incidents covered, such as medical emergencies, lost or stolen baggage or belongings and trip cancellations. These are just some of the few things you will need to look at in order to determine whether a travel insurance plan best serves your needs. 

 

2. Compare the Costs 

 

In order to find the best value, you should always compare the costs of different policies. The things you need to look at and consider are the premiums and any form of deductibles or copayments. Please also bear in mind that the costs will vary depending on the length and type of trip you are taking. Ensuring you are aware of all the costs will help you in finding the most suitable plan for you. 

 

3. Coverage for Risky Activities

 

If you are planning for an adventure that includes sports or extreme excursions, ensure that your travel insurance provides sufficient coverage for the types of activities that you will engage in. When it comes to indulging in risky activities during your travels, some travel insurance providers will exclude specific activities from coverage whilst some will charge extra premium in order to provide the coverage. 

 

4. Take Into Account Your Trip Duration 

 

The duration of your trip also may impact the suitability of the travel insurance policy. Some insurance providers only provide coverage for a limited period of time and it varies between the different providers. You have to ensure that the insurance plan you are applying for provides coverage for the whole duration of your trip. 

 

5. Check for 24/7 Assistance 

 

Having access to round-the-clock 24/7 assistance is especially useful when you're faced with an emergency while travelling abroad. Do check if the travel insurance provider of your policy provides such services so you can get any queries you have answered as quickly as possible.

 

6. Understand the Fine Print

 

Be sure to thoroughly read the terms and conditions of the travel insurance policy you're applying for. Pay close attention to any special restrictions, exclusions or conditions that may apply to you and your travelling itinerary as it might impact the coverage or cost of the policy.

 

7. Be Aware of any Exclusions 

 

Check for any exclusion in the policy of your choice. These exclusions may apply to dangerous activities, pre-existing medical conditions, and natural disasters. Depending on the nature of your trip, do ensure that you are not excluded from any coverage that you require. 

 

8. The Reputation of the Insurance Provider

 

Look for online reviews or talk to the people around you to understand if the services provided by the insurance provider are up to standard. Some things you need to find out are the speed of processing, the customer service and also the cost and coverage provided by the travel insurance provider to ensure your trip is as hassle-free as possible even if something undesirable happens.

 

9. Your Age and Health 

 

The status of your age and health might play a role in the amount of coverage your travel insurance plan provides and also the costs. Pre-existing medical conditions or travellers of a certain age may mean you are at a higher risk of incidents. 

 

10. Look out for Travel Insurance Packaged Deals

 

Travel insurance providers typically offer package deals for travel insurance policies which offer multiple types of coverage which includes medical insurance, trip cancellation insurance and travel interruption insurance. These deals allow you to get a more comprehensive coverage at a cheaper cost as opposed to picking and choosing the types of coverage you need.

 

Why is Travel Insurance Important?

 

Travel insurance is important because situations around the world have become a lot more fluid since the COVID-19 pandemic. With the world becoming increasingly connected, many of us are travelling much more than earlier decades, whether for business or leisure. This also makes us vulnerable to unforeseen circumstances when we’re overseas. In times of uncertainty such as calamities or civil commotions, having travel insurance makes navigating such difficult situations a little easier.

 

What is Travel Insurance and How Does it Work?

 

Travel insurance is a type of insurance that protects travellers from unexpected costs incurred due to travel-related events.

 

Like all other insurance products, travel insurance helps us manage risk by reducing the amount you have to pay out of your own pocket should something unforeseen happen. The most common risks associated with travelling include flight delays, diversions or cancellations (which may force you to look for your own accommodation and meals), loss/theft of personal items, lost or damaged baggage during transit and medical costs in the case of accidents or sickness. 

 

There are also scenarios that could increase your risks, such as:

 

  • Doing outdoor activities such as surfing, hiking, skydiving and more
  • Travelling in a group or with elderly
  • Renting a vehicle for a road trip
  • Travelling to less developed countries

 

In the wake of the COVID-19 pandemic, it’s also recommended to purchase policies with COVID-19 coverage to financially protect you should you need to receive COVID-19-related medical treatment or hospitalisation while overseas.

 

It is not mandatory for travellers from Singapore to purchase travel insurance, but it does help to give peace of mind when unexpected or unprecedented travel disruptions happen

 

What Does Travel Insurance in Singapore cover?

 

Overseas Medical Costs

 

If you are diagnosed with an unexpected illness while travelling, you can claim for necessary and reasonable medical costs overseas. Coverage is usually valid for up to 90 days from the start of your trip and may vary based on your plan and age group. Comparing travel insurance plans helps you find those with the highest limits and most comprehensive medical coverage.

 

Overseas Allowance for Hospital Stays

 

Many travel insurance plans now include reimbursements for hospital stays abroad. This benefit has become particularly important due to the COVID-19 pandemic, providing peace of mind for travellers. It ensures that you receive financial support if you're hospitalised, helping to cover daily expenses during your stay.

 

Emergency Medical Evacuation and Repatriation

 

This benefit covers the costs of emergency medical evacuation and repatriation, including the return of mortal remains to Singapore. It ensures that you can get the necessary medical help during severe health emergencies, regardless of your location. This is particularly crucial for travellers engaging in high-risk activities or visiting remote areas.

 

Cancellation/Alteration/Interruption/Delay of Trip 

 

Travel plans can change unexpectedly due to severe illness, injury, or other unforeseen events. Travel insurance can cover trip cancellations, postponements, delays, and interruptions, providing reimbursement for non-refundable expenses. This coverage is essential for protecting your investment in your trip and can include compensation for accommodation, flights, and other prepaid services.

 

Flight Cancellation Linked to Known Event

 

Events known publicly before your trip may not be covered under travel insurance. However, if you purchased your tickets and activated your insurance before the event became public knowledge, you might still be eligible for a claim.

 

Compensation in Cancelled Flight with Refund/Replacement

 

If your flight is cancelled but you receive a refund or are put on a replacement flight, travel insurance generally covers only unrecoverable costs. You may still claim for trip delay benefits, such as extra accommodation or meal costs. This ensures that even with unforeseen disruptions, you won't be left out-of-pocket for essential expenses during your journey.

 

Cancellation of Own Flight/Trip

 

Insurance typically covers unforeseen events beyond your control. If you change your travel plans voluntarily, you generally cannot claim unless your policy includes a "Cancellation for Any Reason" benefit. 

 

Pre-Existing Conditions

 

Although not commonly included in most travel insurance plans, some insurers offer coverage for pre-existing conditions. This type of coverage, often available at a higher premium, can be a lifesaver for travellers with chronic health issues. It ensures that they receive necessary medical care without incurring exorbitant costs, providing peace of mind and financial protection during their travels. When you compare travel insurance options, look for those that explicitly include pre-existing condition coverage to find the best fit for your needs.

 

Natural Disasters

 

Travel insurance can provide coverage for trip disruptions caused by natural disasters, ensuring you are not financially burdened by these uncontrollable events. This includes coverage for evacuation, accommodation, and other expenses if a natural disaster affects your travel plans. Being prepared with the best travel insurance in Singapore can provide peace of mind during such unpredictable situations.

 

Adventure Sports

 

For those seeking adventure, some travel insurance plans cover activities like skiing, scuba diving, and bungee jumping. It's essential to check if your chosen policy includes these sports to ensure you're fully protected. Engaging in high-risk activities without appropriate coverage can lead to significant financial liabilities, making it crucial to compare travel insurance Singapore options carefully.

 

1. Single Trip Insurance

 

Single trip insurance is the best option for travellers who are taking only one trip as it provides coverage for a specified number of days, typically a period of 180 or 182 days, and the plan can be customised to meet your own needs. Single trip insurance makes perfect economic sense for those who don't travel often but it might not make sense for those who travel very often as it might require a frequent traveller to spend too much applying for the many travel insurance plans for each of their travels.

 

2. Annual Multi-trip Travel Insurance

 

Annual multi-trip travel insurance is a travel insurance policy that covers you for multiple trips in a single year. This makes it the best option for those that travel frequently as you don't have to purchase a new insurance plan each time you travel.

 

3. Individual Travel Insurance Plan

 

An individual travel insurance plan is a policy designed for individuals travelling domestically or internationally. So if you are travelling solo or purchasing insurance for yourself then you probably should apply for an individual travel insurance plan.

 

4. Family Travel Insurance Plans

 

Family travel insurance plans are comprehensive insurance policies designed to protect families travelling domestically or internationally. This type of travel insurance plan is perfect if you are travelling as a group with your family members - subjected to the maximum number of adults and children to be covered under the insurance plan. This makes it a more cost-effective way to ensure all your family members have sufficient travel insurance coverage.

 

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

 

Want to be extra careful with insuring you or your travel companions against COVID-19 while on the road or in the air? Here are the best travel insurance plans with COVID-19 coverage in Singapore to help you make the right choice!

 

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

 

Travel Insurance Plan Highlights Premium (Before Discount)
MSIG TravelEasy
  • Up to S$200,000 medical coverage
  • Up to S$3,000 travel inconvenience coverage for COVID-19
From S$42.00
Tiq Travel Insurance
  • Overseas COVID-19 related medical expenses of up to S$300,000
  • COVID-19 trip-related cancellation of up to S$5,000
  • Overseas quarantine allowance of up to S$1,500 (S$100/24 hours)
From S$14.00 (The price here is for the COVID-19 Rider only)
Starr TraveLead Travel Insurance
  • Overseas COVID-19 related medical expenses of up to S$100,000
  • COVID-19 trip-related cancellation/curtailment of up to S$1,000
From S$15.00
AIG Travel Guard
  • Medical expenses coverage of up to S$250,000
  • Up to S$7,500 for trip cancellations or early return
  • Overseas quarantine allowance of up to S$100 a day
From S$30.00
FWD Travel Insurance — COVID-19 Rider
  • Only applicable for COVID-19 rider add-on
  • Up to S$200,000 for medical expenses
  • S$100 local or overseas hospitalisation cash per day
  • Up to S$5,000 for trip cancellation
From S$16.97 (The price here is for the COVID-19 Rider only)
Singlife Travel Insurance
  • Up to S$200,000 coverage for overseas medical expenses
  • Up to S$100 per day for overseas quarantine, up to S$2,000
  • Up to S$2,000 reimbursement for trip cancellation or postponement
From S$30.07
Allianz Travel Insurance
  • Up to S$1 million for your emergency medical and dental expenses for the Platinum plan (ages 69 years and below)
  • Up to S$15,000 for trip cancellations or disruptions
From S$64.00
Sompo Travel (COVID-19) Insurance
  • Up to S$200,000 coverage for overseas medical expenses
  • Up to S$4,000 travel postponement/cancellation coverage
  • Up to S$1,400 quarantine allowance

For policies issued on or after 20 July 2022, full vaccination is not required if the traveller fulfils the destination country’s requirements and are not in breach of any government regulations. Travellers will only need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test if it’s a requirement by the destination country.
From S$40.00
Allied World Travel Protector
  • Up to S$250,000 coverage for overseas medical expenses
  • Up to S$5,000 travel postponement/cancellation coverage
  • Up to S$3,000 quarantine allowance
  • Automatic extension of cover
From S$45.00
Income Travel Insurance Standard Plan
  • Up to S$300,000 coverage for overseas medical expenses
  • Up to S$5,000 coverage for cancelling or shortening your trip
  • Up to S$10,000 coverage for overseas hospital allowance
From $42.18

 

What Types of COVID-19 Coverage Should I Look Out for When Buying Travel Insurance?

 

1. COVID-19-related Medical Coverage

 

This includes expenses for medical treatment if you contract COVID-19 while travelling. It's vital to check the limits and conditions to ensure they meet your needs, especially in countries with high medical costs.

 

2. COVID-19-related Overseas Hospital Cash

 

Some policies offer daily cash benefits if you're hospitalised abroad due to COVID-19, providing financial relief during a stressful period. This can help cover incidental costs or lost travel opportunities.

 

3. COVID-19-related Trip Cancellation or Postponement

 

Seek policies that cover cancellation or postponement costs due to COVID-19, such as positive test results before departure or travel bans. This can save you significant financial loss on pre-booked arrangements.

 

4. COVID-19-related Emergency Medical Evacuation/Repatriation

 

In severe cases, you may require medical evacuation or repatriation. Ensure your policy includes coverage for such scenarios linked to COVID-19 to avoid overwhelming expenses.

 

Common Exclusions from COVID-19 Coverage

 

1. Pre-existing conditions

 

Most travel insurance policies exclude coverage for pre-existing conditions, including those related to COVID-19. It's crucial to understand these exclusions before purchasing a policy to ensure you won’t be left in the lurch should anything unexpected happen.

 

2. Replacement of traveller or employee before departure

 

Costs associated with replacing a traveller or employee before departure due to COVID-19 related issues are typically not covered. If you are purchasing a policy as or for an employee, it’s best to consult your company’s HR department for more information on financial protection while overseas or travelling.

 

3. Extreme sports/professional or competitive sports

 

Activities deemed high-risk, such as extreme or professional sports, are usually excluded from COVID-19 coverage, along with other standard policy exclusions.

 

4. Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)

 

Travel undertaken against the advice or restrictions of governments or public authorities, except under specific COVID-19 circumstances outlined in your policy, will not be covered.

 

How Do Travel Insurance Claims Work

 

Most insurers now offer an online claims platform. This saves you the hassle of having to make claims in person at the branch office. To get your claims processed quickly, follow these 7 steps for faster travel insurance claims. Be sure to document as many details as possible and keep the original receipts and reports from police, hospitals, airlines, hotels etc. Lastly, always provide proof of travel – the stamp in your passport would usually suffice.

 

When Can You Make A Travel Insurance Claim

 

Below are some common scenarios where you will need to provide documentation when submitting a travel insurance claim:

 

  • Travel disruption / cancellation - Written proof of the delay/cancellation from your airline, hotel or travel agent such as an email or message will be needed to claim for travel disruption.
  • Lost / Damaged Personal Belongings - Submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable).
  • Emergency assistance - It’s a good practice to save your insurer’s emergency assistance hotline and your policy details to your phone before travelling. In the event of an emergency, contact your insurer with your policy number to arrange for help.
  • Personal accident/medical expenses - Keep all original receipts, your medical report, and a police report where applicable. File your claim as soon as you’ve returned to Singapore. You may need to submit the original documents by mail.

 

How To Submit Your Travel Insurance Claim

 

1. Report The Incident To Your Insurance Providers

 

It is important that you inform your travel insurance provider as soon as possible upon the time of incident as it will allow them to start processing your claim and provide you with all the required assistance without any delays. Although most travel insurance providers claim to be made within 30 days via the available channels, it is recommended that you not wait too long.

 

2. Gather All Your Relevant Documents

 

To ensure your claims process is as efficient as possible, do remember to gather all the relevant documents that support your claim. Some of the things you might require are:

 

  • NRIC, FIN No. or other official forms of ID
  • Proof of trip such as tickets, receipts, boarding passes, photocopy of passports and visas
  • Reports or documents from the airline or relevant authority acknowledging the loss of baggage
  • Medical reports or any related evidence in the form of photos and/or emails
  • Proof of ownership of lost baggage and items

 

3. Submit Your Claim

 

Upon gathering all necessary documents, promptly submit your claim to the travel insurance companies. Most travel insurance companies offer the option of submitting claims via online means or in person - whichever is most convenient for you.

 

4. Wait for Review

 

After your claim has been submitted, the insurance company will do a review of your claim submission to determine your eligibility for coverage. This process may take several days to a few weeks depending on the complexity and severity of your case. Ensure you are contactable throughout this period as your travel insurance provider might contact you for further clarification.

 

Best Travel Insurance Recommendations For You

 

From when, where, and which travel insurance to buy, our trusty SingSaver guides and tips are here to ensure you have the most fuss-free and enjoyable time during your travels.

 

Travel Insurance Reviews

 

Read reviews and compare between the different travel insurance providers and plans to help you find the best and most suitable one for you. Find the best and most suitable travel insurance from providers such as FWD, Allianz, Singlife and more.

 

 

Travel Guides 

 

Now that you’ve got your travel insurance settled, it’s time to plan the rest of your trip! Discover new destinations and old favourites with our travel guides and itineraries, plus essential travel tips to help you make memories you’ll never forget.

 

Japan Travel Guides

 

From its rich traditions to world-famous cuisine and quirky culture, Japan is a must-visit destination for good reason. Start your journey with Tokyo activities, like visiting the iconic Shibuya crossing. Heading west, explore Kyoto’s top attractions like its enchanting temples and traditional tea houses. If cultural sites aren’t your thing, Osaka tourist spots cater to city holiday-goers with its vibrant nightlife and hole-in-the-wall eateries.

 

For stunning landscapes and winter sports, Hokkaido snow activities do not disappoint. Looking for more chill, laid-back vibes? Our list of stuff to do in Sapporo is perfect for the traveller who doesn’t want to be rushed. For holiday-goers who want to get away from the more touristy cities, Nara’s main attractions offer a serene escape with its friendly deer and historic sites like Todai-ji Temple. Meanwhile, there are plenty of things to do in Fukuoka for culture buffs and foodies, while Nagoya attractions like the samurai museum are not to be missed. For a relaxing retreat, you must read our guide on what to do in Hakone, which is well-known for its hot springs and scenic views.

 

Malaysia Travel Guides

 

A tropical paradise with diverse cultures and breathtaking landscapes , there’s always unique things to do in Malaysia. Begin your adventure with Kuala Lumpur’s tourist attractions, where the iconic Petronas Towers dominate the skyline and vibrant street markets offer a taste of local cuisine. For a journey through history, Malacca city attractions enchant with its colonial architecture and rich heritage sites. Don’t forget the top things to do in Penang, like sampling its famous street food and visiting the vibrant art scene in George Town.

 

Don’t have time for a long holiday? A quick pop across the border is all you need. From theme parks to huge malls, there are plenty of activities to do in JB that will keep you occupied. For those seeking pristine beaches and crystal-clear waters, Langkawi’s top attractions will not leave you disappointed. Nature lovers will be captivated by the things to do in Kota Kinabalu and best of Sabah, home to the region’s most stunning mountains and islands. For culture buffs, Ipoh’s top attractions combine colonial charm with natural beauty, while holiday-goers looking for a mix of nature and culture can explore things to do in Kuching for the best of both worlds. Last but not least, don’t forget the spectacular national works that should top your list of what to see in Miri.

 

Taiwan Travel Guides

 

Taiwan, an island rich in culture, cuisine and natural beauty, offers an array of experiences for every traveller. Start by exploring all the cool things to do in Taipei, from visiting the famous Taipei 101 tower to traditional sites such as the National Palace Museum. Are you or your partner into the arts? You have to see the best of Taichung, a city known for its artistic flair, with attractions like the Rainbow Village and the bustling Fengjia Night Market. Head south and you’ll find yourself in Taiwan’s oldest city, Tainan’s attractions offer a glimpse into the island's history with its ancient temples and historical sites.

 

Nature enthusiasts must visit the east coast, where Taitung attractions will take your breath away. Don’t forget a trip to the famous Taroko Gorge, a Hua Lien must do item on any itinerary. Finally, for relaxed beachtown vibes, visit Taiwan’s largest port city and discover Kaohsiung attractions like the Fo Guang Shan Buddha Museum and the Love River.

 

Australia Travel Guides

 

Known for its stunning coasts and vibrant cities,these are the best destinations in Australia offering a diverse range of experiences for all types of travellers. Starting with some fun things to do around Melbourne, try visiting the famous Queen Victoria Market, exploring the eclectic laneways filled with street art, and enjoying the Melbourne Museum. Into culture and architecture? You can’t miss Sydney’s tourist attractions, which include iconic landmarks like the Sydney Opera House and the Harbour Bridge, along with fun activities such as relaxing at Bondi Beach or exploring the historic Rocks district.

 

For the best spots in Brisbane, try strolling through South Bank Parklands and visiting the Lone Pine Koala Sanctuary. The city's vibrant arts scene is showcased at the Queensland Art Gallery and Gallery of Modern Art. From Kings Park and Botanic Garden to the pristine beaches of Cottesloe and the cultural precinct of Northbridge, Perth’s attractions offer a mix of urban and natural experiences. Finally, no Australia trip is complete without Gold Coast activities, which includes a visit to its stunning beaches and thrilling theme parks like Dreamworld and Sea World.

 

South Korea Travel Guides

 

A dynamic country where ancient traditions seamlessly blend with cutting-edge technology, there are plenty of things to do in Korea. You don’t have to be into K-pop or watch Korean dramas to appreciate this country! For the best attractions in Seoul, try visiting the majestic Gyeongbokgung Palace or go shopping in the bustling Myeongdong district, and experiencing the vibrant nightlife in Hongdae. 

 

Down south, Busan boasts beautiful beaches like Haeundae and cultural sites such as the Beomeosa Temple. Among the top things to do in Busan include a visit to the bustling Jagalchi Fish Market and taking a stroll along the picturesque Gamcheon Culture Village. Jeju Island, a volcanic paradise, offers breathtaking natural beauty with attractions like Hallasan Mountain and Seongsan Ilchulbong Peak. Things to do on Jeju include exploring its stunning waterfalls, relaxing on its pristine beaches, and visiting the unique Jeju Folk Village Museum.

 

Vietnam Travel Guides

 

Vietnam, a land of breathtaking landscapes and rich history, offers a variety of unique travel experiences. Hanoi’s tourist attractions include exploring the Old Quarter with its bustling markets and ancient temples, visiting the historic Ho Chi Minh Mausoleum, and enjoying a peaceful stroll around Hoan Kiem Lake. In the south, Ho Chi Minh City is a vibrant metropolis with a blend of old and new. Things to do in Ho Chi Minh include visiting the War Remnants Museum, exploring the lively Ben Thanh Market, and taking a boat trip along the Mekong Delta. Da Nang is a relatively modern city surrounded by beautiful landscapes, ideal for city and nature holiday-goers. Some of Da Nang’s tourist attractions include relaxing on My Khe Beach, visiting the Marble Mountains, and exploring the ancient ruins of My Son. 

 

If you love history, Hoi An and its ancient town attractions are sure to please. Take a walk through its charming lantern-lit streets and marvel at its architecture that feels like you’ve gone back in time. Meanwhile, Sapa’s tourist attractions are ideal for those who want to get off the beaten track, offering stunning terraced rice fields and opportunities for trekking through ethnic minority villages. Finally, Phu Quoc, an island paradise, is perfect for those seeking sun and sea. Phu Quoc attractions include its pristine beaches, snorkelling and diving in its clear waters, and visiting the Vinpearl Safari.

 

Ready to jet set? Read our other guides to make sure you’re fully prepared for your trip.

 

Travel Insurance for Various Travel Destinations

 

Choosing the best travel insurance for your specific destination is crucial to ensure you are adequately protected. Different locations may present unique risks, so it's important to compare travel insurance options that offer tailored coverage for your travel plans. By selecting the best travel insurance in Singapore, you can enjoy peace of mind knowing you are covered no matter where your adventures take you.

 

 

Travel Insurance for Specific Travel Needs

 

When planning your trip, it's essential to find the best travel insurance that caters to your specific needs, whether it's adventure sports, business travel, or family vacations. Compare travel insurance plans in Singapore to ensure you get the coverage that matches your unique requirements, including important features like COVID-19 coverage. Knowing which travel insurance to buy guarantees comprehensive protection tailored to your travel preferences, ensuring peace of mind throughout your journey.

 

Find the best travel insurance in Singapore for specific needs:

 

 

More Information About Claiming Travel Insurance

 

Understanding the process of claiming travel insurance is crucial for ensuring you can effectively utilise your policy when needed. Whether dealing with trip cancellations, medical emergencies, or lost luggage, knowing the steps to file a claim helps you navigate the process smoothly. Here are links to detailed guides on the travel insurance claim processes.

 

 

Travel Insurance Promotions

 

Not sure which travel insurance to buy? Find the best travel insurance promotions in Singapore and secure the coverage you need for your next trip. Take advantage of these offers to get comprehensive protection at the best rates.