Compare the Best Schengen Travel Insurance in Singapore

Heading to Europe? Find out everything you need to know about Schengen travel insurance in this guide. Get our recommendations and compare the best policies for your European grand tour.

 

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Disclaimer: SingSaver assembles this 'best' list from travel insurance policies listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before purchasing any insurance policy 


Whether you're going on a cultural expedition, enjoying winter sports or seeking adrenaline-fuelled activities, set off for Europe with peace of mind knowing you have adequate travel insurance coverage.

In this guide, you'll find answers to commonly asked questions about Schengen travel insurance and our recommendations for the best Schengen travel insurance policies.

You can also compare travel insurance policies in Singapore and find the right one that meets your needs.

To plan your dream holiday, be sure to also check out our expert recommendations for the best travel insurance plans for Europe, find essential coverage for skiing trips, and explore specialised plans for adventure seekers

In this guide:


Who needs a Schengen visa?

 

While citizens of many countries, including Singapore, don't legally need a Schengen visa for short stays (typically up to 90 days within a 180-day period), obtaining one can significantly enhance your travel experience. Here's why a Schengen visa might be worth considering, even if it's not mandatory:

  • Streamlined Border Crossings:  With a Schengen visa, you bypass lengthy immigration queues and questioning at each border crossing, allowing you to breeze through checkpoints and make the most of your time exploring Europe.
  • Extended Travel Options: A Schengen visa opens up the possibility of longer stays or multiple entries within the Schengen area, giving you more flexibility to plan your itinerary and discover hidden gems off the beaten path.
  • Peace of Mind:  In unforeseen circumstances like medical emergencies or trip cancellations, a Schengen visa can simplify the process of receiving assistance and navigating potential complications.
  • Visa-Free Travel to Additional Countries: Some non-Schengen countries, such as Bulgaria, Croatia, Cyprus, and Romania, may allow visa-free entry to holders of a valid Schengen visa, expanding your travel possibilities.
  • Future Proofing: If you plan on visiting the Schengen area frequently in the future, having a visa history can make subsequent visa applications easier and faster.

What is Schengen travel insurance and why do I need it?

 

Schengen, the largest free-travel area in the world, refers to the EU passport-free zone that includes 29 European countries:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

If you apply for a Schengen visa, you can travel seamlessly between the above countries. When you apply for the visa, you are required to purchase a Schengen travel insurance plan that offers a minimum coverage of €30,000 (~S$44,000) for medical expenses and repatriation.

However, Schengen-specific travel insurance isn’t available in Singapore. Hence, if you're travelling within the Schengen area, you can just purchase regular travel insurance that covers all the countries you're visiting, as most travel insurance policies already offer coverage of at least S$44,000 for medical expenses and repatriation.

A Schengen visa is not mandatory when you travel to or within the Schengen area, but it makes your travel experience much more hassle-free.


What does Schengen travel insurance cover?

 

Schengen travel insurance usually offers coverage similar to that of standard travel insurance. The coverage includes medical expenses, hospitalisation, baggage loss and delayed flights.

The only difference is that Schengen travel insurance policies offer at least €30,000 (~S$44,000) of medical coverage, which must include repatriation of remains.

Be sure to review the terms of the policy you're considering buying so you can fully understand the coverage and exclusions.


What are the differences between Schengen and standard travel insurance?

 

While Singapore insurance providers don't offer Schengen-specific travel insurance, those who are visiting Schegan need not worry. As mentioned previously, most standard travel insurance policies designed for Europe already meet the essential criteria for Schengen visa applications. However, there are a few key distinctions to be aware of:

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Minimum Medical Coverage Requirements

The most significant difference lies in the minimum medical coverage. Schengen visa applications mandate a minimum medical coverage of €30,000 (roughly S$44,000). This ensures you're financially protected if you encounter unexpected medical emergencies during your travels within the Schengen zone. While many standard travel insurance plans already offer this level of coverage or more, it's crucial to verify this before purchasing.

Repatriation Coverage

Schengen travel insurance policies explicitly require coverage for repatriation. This means that if you face a severe medical issue and need to be transported back to Singapore, the insurance will cover the costs involved. Most comprehensive travel insurance plans for Europe typically include repatriation coverage, but it's always a good practice to double-check.

Geographical scope

Standard travel insurance plans may cover a broader range of countries, including those outside the Schengen area. In contrast, Schengen travel insurance is focused on providing coverage within only Schengen countries.

Applicability to Visa-Free Travel

While having travel insurance that meets Schengen requirements is mandatory for visa applications, it's equally important for those who don't need a visa. Even if you're exempt from the visa requirement as a Singaporean citizen on a short stay, having the appropriate travel insurance offers peace of mind and financial protection in case of unexpected medical emergencies or other covered events during your trip.

 

Protect yourself on your Schengen trip with travel insurance.



How do I choose the right Schengen travel insurance?

 

To select the best travel insurance for Shengen in Europe, identify your needs and compare different policies for their coverage and costs.

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Coverage Requirements

Check that your coverage meets or exceeds the minimum requirements set by the Schengen consulates, which typically include coverage for medical expenses, repatriation, and emergency evacuation.

Medical Coverage

Medical treatments in Europe can be costly for travellers. Comprehensive medical coverage allows you to get necessary medical help without worrying about huge expenses.

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Duration of Coverage

Your travel insurance should cover the entire duration of your stay in the Schengen area. Some policies may offer daily, monthly or annual coverage.

Compliance with Schengen Visa Requirements

Your travel insurance policy should explicitly state that it complies with Schengen visa requirements. Look for a specific statement indicating coverage for medical expenses, repatriation, and emergency evacuation up to the required limits.

 

^Premiums shown for single trip, one adult, 10-day trip to Germany

SingSaver Exclusive: Travel Insurance Promotions in Singapore

SingSaver's recommendations for the best Schengen travel insurance

Best for COVID-19 coverage and adventure sports equipment cover: TIQ Travel Insurance

This is the right travel insurance for you if you want:

  • extensive coverage for COVID-19
  • adventure sports protection

With this policy, you get peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, even if you contract it before your trip.

Note that COVID-19 coverage is an add-on from S$45 (for a 10-day trip to Germany). However, considering its substantial coverage, the additional cost is well justified.

This policy also offers coverage of up to S$5,000 for non-refundable expenses if you have to cancel or postpone your trip within 14 days of departure.

It also provides optional coverage of up to S$4,000 for sports equipment such as golf clubs, diving gear, ski gear, snowboards and climbing equipment.

Exclusive Offer
Best Value

Tiq Travel Luxury

Tiq Travel Luxury

Cancellation coverage

S$
10,000

Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
3,000
See more
See less

Exclusive SingSaver Promotions

Use the promo code TIQSINGSAVER to get 40% off plus 80% off on COVID-19 add-on when you buy now. Valid till 31 July 2024. T&Cs apply. Also receive Complimentary lounge access during flight delays. Valid till 30 September 2025 5:30 pm. T&Cs apply.

Apply via SingSaver to get the best deal, guaranteed. Read more about our Best Deal Guarantee here.

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SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 50% off. Also receive $30 Free Travel Voucher. Valid till 30 November 2024. T&Cs apply. 

Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 30 November 2024. T&Cs apply.

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.

Real User Reviews of Tiq Travel Luxury Travel Insurance Plan

"Claim process online was easy and fast."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, ZiHan Foong

[Claims Process]

Lost baggage claim when I’m back to Singapore. Claim process online was easy and fast. Received the claim amount within a day via etiqa online account upon submission of all required documents

Rating Group - 5
Reviewed by Seedly User, Gerry

i bought the annual insurance last sep 2019 before i went for my trip. the claims are really fast and i am talking about hours in claim processing. I sent in my invoice at 1pm and the money was cashed in at 4pm!!! also, customer service is pretty fats in responding as well!!! of coz i did a lot of the things in app as to online i can’t comment.

 


Best for families: Direct Asia Travel Insurance

This is the right travel insurance for you if you want:

  • complimentary coverage for up to 4 children
  • same coverage for each child and adult
  • coverage for overseas and local medical treatments

Direct Asia offers complimentary coverage for up to 4 children. Though most family plans come at a fixed price no matter how many children a family has, they might still charge extra beyond 2 adults. With Direct Asia, you're paying for only 2 adults if you opt for a family plan.

The coverage for each child and adult is the same, which means you can claim coverage for your children up to the same claim limit as for yourself, up to the limit set by the family plan.

Direct Asia offers coverage for medical treatments you've received overseas and when you're back in Singapore. It even covers traditional Chinese medicine (TCM) treatments up to S$750, which isn't usually offered by other policies.

Popular

Direct Asia Travel Insurance - Voyager 500

Direct Asia Travel Insurance - Voyager 500

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
500,000

Bags & Belongings Coverage

S$
5,000
See more
See less

Exclusive SingSaver Promotions

Enjoy 40% discount when you buy now. T&Cs apply. Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. T&Cs apply.
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Best value-for-money: FWD Travel Insurance

This is the right travel insurance for you if you want:

  • a budget-friendly choice
  • substantial overseas medical coverage
  • trip cancellation coverage
  • hassle-free claims experience

If you prioritise affordability, FWD Travel Insurance is an excellent choice. Its plans start at just S$60.72 for a 10-day trip to Germany, making them the most budget-friendly option.

FWD policies provide substantial overseas medical coverage, allowing claims of up to S$1,000,000. Additionally, they offer up to S$15,000 in protection for trip cancellation.

You can opt for an add-on rider at an additional cost of S$21.54 (for a 10-day trip to Germany) for Covid-19 coverage. This rider offers coverage of up to S$200,000 for medical expenses related to Covid-19, a daily overseas quarantine allowance of S$50 for a maximum of 14 days and trip disruption coverage of up to S$5,000.

FWD Travel Insurance also has a hassle-free claims system and efficient customer service. You can easily submit your claims and seek assistance via the FWD SG App.

 

Exclusive Offer
Best Value

FWD First

FWD First

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
7,500
See more
See less

獎勵

The right policy for you if you want:

  • Hassle-free claims so you get reimbursed easily and quickly
  • Affordable comprehensive coverage for worry-free travel
  • 50% reimbursement, even if you have to cancel your trip for any reason
  • Enhanced benefits with add-ons for pet care, home content cover, sports equipment and pre-existing conditions

Use promo code SSTRIP to get 30% off on your plan. T&Cs apply. Also receive Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm.T&Cs apply.

Purchase via SingSaver to get the best deal, guaranteed.

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SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip plans or a 25% discount on Annual Trip plans! Valid till 24 November 2024. T&Cs apply. Also receive:

  • Up to S$40 Lazada vouchers for Annual trip plans. Limited quantities available. Valid till 30 December 2024 5:30 pm. T&Cs apply. 
  • S$20 Paynow for Annual  trip plans. Valid till  30 December 2024 5:30 pm. T&Cs apply. 
  • A chance to win a year's worth of free flights or up to S$160,000 in rewards.  Valid till 30 December 2024 5:30 pm. 

Real User Reviews of FWD Travel Premium Plan

"Purchasing a FWD travel was simple and fuss free."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, Roger

[The process to purchase insurance was seamless and easy. Payment was convenient as well and able to pay using Paynow and grabpay even. Recommended!

Rating Group - 5
Reviewed by Seedly User, Seah

Purchasing a FWD travel was simple and fuss free. You could simply purchase on their website and adjust the coverage you need without an agent. Q&A is promptly replied by their customer service support

 

Best for comprehensive coverage: Singlife Travel Insurance

The right travel insurance for you if you want comprehensive coverage, including for:

  • medical expenses (unlimited)
  • trip cancellations 
  • disruptions caused by rainfall 
  • adventurous activities
  • Covid-19 

Singlife's Travel Prestige is an exceptional all-encompassing policy with extensive coverage, even for unique scenarios such as:

  • loss of bridal accessories
  • inclement weather 
  • trip cancellations for any reason

For Travel Prestige, the coverage for trip cancellations for any reason extends up to S$15,000, while that for Travel Plus and Travel Prestige is capped at S$5,000. However, you must purchase your policy within 7 days of booking your flights or hotels to qualify for a claim.

Travel Prestige includes unlimited coverage for medical expenses, which is uncommon. This plan includes Covid-19 coverage of up to S$200,000 for overseas medical expenses.

Singlife also provides a unique rainfall coverage of up to S$150 for disrupted travel caused by rainfall exceeding 6.4mm within 24 hours. 

Its coverage also extends to adventurous activities like white-water rafting, jet skiing and kayaking, making it an ideal choice for those seeking overseas sports adventures. 

Exclusive Offer
Best Value

Singlife Travel Prestige

Singlife Travel Prestige

Cancellation coverage

S$
20,000

Medical Coverage (Overseas)

Unlimited

Bags & Belongings Coverage

S$
8,000
See more
See less

Exclusive SingSaver Promotions

The right policy for you if you want:

  • Comprehensive coverage for frequent flyer points
  • Comprehensive coverage for outdoor activities

  • 50% reimbursement, even if you have to cancel or change your travel dates

  • MINDEF/MHA & POGIS insured members and their family get up to 48% off single trip plans

Use the promo code TRAVEL25 to get 25% off when you buy now. T&Cs apply. Also receive:

Purchase via SingSaver to get the best deal, guaranteed.

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Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 November 2024. T&Cs apply. 

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 30 November 2024. T&Cs apply. 

Also receive:

  • Up to S$70 Lazada voucher. Valid till  30 December 2024 5:30 pm. T&Cs apply. 
  • S$20 Paynow for Annual  trip plans. Valid till  30 December 2024 5:30 pm. T&Cs apply. 
  • A chance to win a year's worth of free flights or up to S$160,000 in rewards.  Valid till 30 December 2024 5:30 pm. 





Real User Reviews of Singlife Travel Prestige

"When we have outpatient medical claims e.g. kids fall ill... Singlife is always quite prompt..."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, Rachel

[Customer Service]
Claims executive that handled my case was professional and efficient. 
[Claims Process]
It was a pleasant experience having my claim processed.
 

Rating Group - 5
Reviewed by Seedly User, Da Ben

Claiming is easy and fast. They transfer the claims directly via PayNow which is convenient and faster than sending Cheques and having to bank them in. 
 
 
 

 

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What are the travel requirements specific to Schengen Countries in Europe?

Schengen Visa

Obtain a Schengen visa for short stays, allowing free travel within 27 member countries. Include required documents like travel insurance, accommodation proof, and itinerary.
 
However, this is not mandatory but it does allow for a more seamless and hassle-free travel experience between the other European countries.

Schengen Travel Insurance

You're only required to get a Schengen travel insurance if you're applying for a Schengen visa.  You'll have to purchase a policy that offers at least €30,000 (~S$44,000) for medical expenses and repatriation.

Valid passport

Your passport has to be issued within the previous 10 years and valid for at least 3 months after the date you intend to leave the EU.

ETIAS Entry Authorisation

From May 2025, nationals from countries with a visa-liberalisation agreement with the EU will need to obtain an ETIAS authorisation before travelling to the EU.

Duration of Stay

Adhere to short stays up to 90 days within a 180-day period

Compare Schengen travel insurance policies in Singapore

While insurance providers in Singapore don’t offer travel insurance specifically for Schengen travel, you can purchase a travel insurance plan that covers the European countries you're visiting. 

Product

Key highlights

Premiums ^

Purchase
Tiq Travel Luxury
Tiq Travel Luxury
Overseas medical cover: S$200,000
Up to S$100,000 for COVID-19 medical expenses
Personal accident: S$150,000
Cancellation cover: S$5,000
Bags and belongings: S$2,000
S$74
Starr TraveLead Gold Plan - Worldwide (Annual)
Starr TraveLead Gold Plan - Worldwide (Annual)
Overseas medical cover: S$200,000
Up to S$15,000 for COVID-19
Personal accident: S$150,000
Cancellation cover: S$5,000
Bags and belongings: S$3,000
S$39.60
FWD Premium
FWD Premium
Overseas medical cover: S$200,000
Personal accident: S$200,000
Cancellation cover: S$7,5000
Bags and belongings: S$3,000
S$60.72
Singlife Travel Prestige
Singlife Travel Prestige
Overseas medical cover: S$2 million
S$100,000 for COVID-19 medical expenses
Personal accident: S$100,000
Cancellation cover: S$15,000
Bags and belongings: S$5,000
S$90.79
Allied World Travel Protector Premier
Allied World Travel Protector Premier
Overseas medical cover: S$500,000
S$150,000 for COVID-19 medical expenses
Personal accident: S$250,000
Cancellation cover: S$10,000
Bags and belongings: S$5,000

S$106
Allianz Travel Insurance Platinum Plan
Allianz Travel Insurance Platinum Plan
Overseas medical cover: S$1,000,000 (including COVID-19 coverage)
Personal accident: S$100,000
Cancellation cover: S$10,000 (including COVID-19 coverage)
Bags and belongings: S$5,000
S$161
MSIG Premier Plan
MSIG Premier Plan
Overseas medical cover: S$1,000,000
Up to S$250,000 for COVID-19 medical expenses
Personal accident: S$500,000
Cancellation cover: S$15,000
Bags and belongings: S$7,500
S$157.50
AIG Travel Guard® Direct - Supreme
AIG Travel Guard® Direct - Supreme
Overseas medical cover: S$2,500,000
Up to S$250,000 for COVID-19 medical expenses
Personal accident: S$300,000
Cancellation cover: S$15,000
Bags and belongings: S$10,000
S$82
Direct Asia Travel Insurance - Voyager 500
Direct Asia Travel Insurance - Voyager 500
Overseas medical cover: S$500,000
Personal accident: S$500,000
Cancellation cover: S$15,000
Bags and belongings: S$12,500
S$78.47
Seedly Travel Secure
Seedly Travel Secure
Overseas medical cover: S$500,000 (including COVID-19)
Personal accident: S$300,000
Cancellation cover: S$10,000
Bags and belongings: S$10,000
S$130.91
Allianz Travel Hero - Worldwide
Allianz Travel Hero - Worldwide
Overseas medical cover: S$500,000 (including COVID-19 coverage)
Personal accident: S$150,000
Cancellation cover: S$15,000
Bags and belongings: S$7,000
S$62

Enjoy the following benefits as the Policyholder. 

Disclaimer: Last updated on 25 January 2024. Information is subject to change without notice. Do refer to the Policy Brochure for the latest details.

Find out the full benefits of these travel insurance policies

Online Shopping Laptop

 

MSIG Premier Plan

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses
S$1,000,000
Medical Expenses in Singapore
S$75,000
Travel Cancellation
S$15,000
Travel Delay
S$1,500
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay
S$1,500
Sub-limit
S$250/6h
Loss of Baggage / Personal Belongings
S$7,500
per Article
S$500
per Laptop
S$1,000

Allianz Travel Insurance Platinum Plan

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$100,000
Overseas Medical Expenses
S$1,000,000
Medical Expenses in Singapore
S$2,500
Travel Cancellation
S$10,000
Travel Delay
S$1,600
Sub-limit
NA
Baggage / Personal Belongings Delay
S$1,000
Sub-limit
NA
Loss of Baggage / Personal Belongings
S$5,000
per Article
S$500
per Laptop
NA

Starr TraveLead Gold

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses S$1,000,000
Medical Expenses in Singapore
S$50,000
Travel Cancellation
S$15,000
Travel Delay
S$1,500
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$1,200
Sub-limit S$100/6h
Loss of Baggage / Personal Belongings
S$7,500
per Article
S$400
per Laptop
S$1,400

FWD First

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$400,000
Overseas Medical Expenses S$1,000,000
Medical Expenses in Singapore
S$30,000
Travel Cancellation
S$15,000
Travel Delay
S$1,000
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$900
Sub-limit S$150/6h
Loss of Baggage / Personal Belongings
S$7,500
per Article
S$300
per Laptop
S$1,000

Tiq Travel Luxury

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses S$1,000,000
Medical Expenses in Singapore
S$10,000
Travel Cancellation
S$10,000
Travel Delay
S$500
Sub-limit
S$50/3h
Baggage / Personal Belongings Delay S$200
Sub-limit S$100/6h
Loss of Baggage / Personal Belongings
S$3,000
per Article
S$250
per Laptop
S$1,000

Seedly Travel Secure

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$300,000
Overseas Medical Expenses S$500,000 (including COVID-19)
Medical Expenses in Singapore
S$40,000
Travel Cancellation
S$10,000
Travel Delay
S$2,000
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$1,500
Sub-limit S$150/6h
Loss of Baggage / Personal Belongings
S$10,000
per Article
S$500
per Laptop
NA

Singlife Travel Prestige

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses Unlimited
Medical Expenses in Singapore
S$80,000
Travel Cancellation
S$20,000
Travel Delay
S$2,000
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$2,000
Sub-limit S$100/6h
Loss of Baggage / Personal Belongings
S$8,000
per Article
S$700
per Laptop
NA

Great Eastern TravelSmart Premier Elite

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses

S$500,000

Medical Expenses in Singapore
S$50,000
Travel Cancellation
S$15,000
Travel Delay
S$1,200
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$1,200
Sub-limit S$200/6h
Loss of Baggage / Personal Belongings
S$5,000
per Article
S$500
per Laptop
S$1,000

AIG Travel Guard Direct Supreme

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$300,000
Overseas Medical Expenses S$2,500,000
Medical Expenses in Singapore
S$50,000
Travel Cancellation
S$15,000
Travel Delay
S$3,000
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$1,600
Sub-limit S$200/6h
Loss of Baggage / Personal Belongings
S$10,000
per Article
S$500
per Laptop
NA

Direct Asia DA500

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses

S$500,000

Medical Expenses in Singapore
S$25,000
Travel Cancellation
S$15,000
Travel Delay
S$1,500
Sub-limit
S$100/6h
Baggage / Personal Belongings Delay S$1,000
Sub-limit S$200/6h
Loss of Baggage / Personal Belongings
S$5,000
per Article
S$500
per Laptop
S$1,000

Allianz Travel Hero

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$150,000
Overseas Medical Expenses

S$500,000

Medical Expenses in Singapore
S$50,000
Travel Cancellation
S$15,000
Travel Delay
S$3,000
Sub-limit
S$400 for daily receipts
Baggage / Personal Belongings Delay S$3,000
Sub-limit Minimum 6h delay
Loss of Baggage / Personal Belongings
S$7,000
per Article
S$1,000 (for all high-value items)
per Laptop
NA

Allied World Travel Protector Plan 3

Coverage details

expand_more
Benefits
Coverage
Accidental Death & Total Permanent Disability
S$500,000
Overseas Medical Expenses

S$500,000

Medical Expenses in Singapore
S$50,000
Travel Cancellation
S$15,000
Travel Delay
S$1,000
Sub-limit
S$100/first 6h, S$20/h thereafter
Baggage / Personal Belongings Delay S$1,000
Sub-limit S$250/first 6h, S$20/h thereafter
Loss of Baggage / Personal Belongings
S$5,000
per Article
NA
per Laptop
NA

Understanding Citibank ThankYou Rewards Points

How Do I Earn Citi ThankYou Rewards Points_

How Do I Earn Citi ThankYou Rewards and Miles Points?

To earn Citi Rewards and Miles points in Singapore, you can use a Citi credit card that is part of the Citi Rewards/Miles programme. You can earn points by making purchases with the card, and the number of points earned will depend on the type of card and the type of purchase.

Some Citibank credit cards in Singapore that allow you to earn Citi Rewards Points include the Citi Lazada Credit Card, the Citi Prestige Credit Card, and the Citi Rewards Card. You can only earn Citi Miles Points with the Citi PremierMiles Credit Card.

You can also earn Citi Rewards Points if you are enrolled to other Citi products and services, such as a Citibank checking account. Additionally, you can earn points by shopping at participating merchants or online retailers.

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Miles

How do I redeem Citi ThankYou rewards points

If you're a Citibank credit cardholder in Singapore, you can transfer your Citi Rewards Points or Citi Miles to your preferred frequent flyer account.

To transfer your Citi Rewards Points or Miles, log in to the Citi ThankYou Rewards website, and browse the Citi points transfer catalogue. Once you have selected your desired travel loyalty programme, you can select the number of Citi Rewards or Miles you want to transfer.

You may also redeem your Citi Rewards and Miles points for miles through the Citi mobile app.

Do note that 25,000 Rewards Points/10,000 Citi Miles = 10,000 Miles and an administrative fee of S$27 (inclusive of GST) will be charged for each points transfer.

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Cash Rebates

How do i redeem citi thank you rewards points for cash

As a Citibank credit cardholder in Singapore, you can redeem cash rebates through the Citibank online banking portal, mobile app or via SMS.

To redeem your cash rebates, log in to your Citibank online banking account or the Citibank mobile app and navigate to the rewards dashboard. Once there, you will be able to see your available points balance, and you can choose to redeem it as a statement credit to your Citi Card account.

If you wish to redeem your cashback rebate via SMS with Rewards Points, type “RWDS<space> Last 4 digits of your card number<space><CASH10 or CASH20 or CASH50>” as an SMS and send it to 72484.

To redeem your cashback rebate via SMS with Citi Miles, type “RWDS<space> Last 4 digits of your card number<space><PMCASH10 or PMCASH20 or PMCASH50>” as an SMS and send it to 72484.

You may also redeem your Citi Rewards Points and Citi Miles for cash rebates through the Citi mobile app.

Do note that 4,400 Reward Points/1,650 Citi Miles = S$10 cash rebate

Redeeming Citi ThankYou Rewards Points for Products or Vouchers

How do i redeem citi thank you rewards points for vouchers

To redeem Citi Rewards Points for products or vouchers, you will need to log in to the Citi ThankYou Rewards website or the Citi mobile app.

Once logged in, you will be able to view the available redemption options, which may include electronics, bags and luggages, and gift vouchers. Select the option you wish to redeem your points for and follow the prompts to complete the redemption process.

The number of points required for a specific redemption option may vary.

Managing Your Citibank Credit Card

Citibank Credit Card Interest Rates and Late Payment Charge

Citibank credit card interest rates in Singapore vary depending on the type of card and the individual's creditworthiness. However, in general, the interest rate for Citibank credit cards in Singapore is *26.9% per annum.

This rate may be subject to change, and it is important to check with Citibank for the most up-to-date information. Additionally, some Citibank credit card promotions may offer a lower interest rate for a limited time.

Do note that a S$100 late payment charge will be levied if the Minimum Payment Due is not received on or before the Payment Due Date.

*information obtained from Citibank Singapore

Learn About Citibank's 0% Instalment Plan for Credit Cards

Citibank in Singapore offers a 0% instalment plan for its credit cardholders, which allows them to make large purchases and pay for them over time without incurring interest charges. 

The plan typically allows customers to divide the cost of a purchase over a period of time of their choosing, usually 6, 12 or 24 months. This feature can be useful for making big-ticket purchases, such as electronics or furniture, more affordable. 

It's important to note that there might be some restrictions in the items that are eligible for 0% instalment plan and the customers should check with Citibank for the most current information and the terms and conditions that apply to the plan.

How do i replace a lost or stolen citibank credit card

Replacing a Lost or Stolen Citibank Credit Card

If you need to replace a lost or stolen Citibank credit card in Singapore, you can do so by contacting the bank's customer service department. They will be able to cancel your current card and issue a new one. 

Depending on the type of card you have, you may also be able to request a replacement card through the Citibank online banking portal or mobile app. In some cases, the bank may require additional verification before issuing a replacement card. 

To ensure that you can continue using your credit card without interruption, it's important to report a lost or stolen card as soon as possible.

How can i get immediate assistance with citibank credit card hotline

Get Immediate Assistance with the Citibank Credit Card Hotline

The Citibank Credit Card Hotline in Singapore is a customer service hotline that is dedicated to providing assistance to Citibank credit card holders in Singapore. 

The hotline is available 24 hours a day, 7 days a week, and can be reached by dialing the number +65 6225 5225. 

The customer service representatives on the hotline can assist with a wide range of issues related to Citibank credit cards, including account inquiries, balance transfers, and credit limit increases. 

They can also help with reporting lost or stolen credit cards, and providing information about Citibank's various credit card promotions and offers. 

Overall, the Citibank Credit Card Hotline in Singapore is a convenient way to get help with any issues related to your Citibank credit card.

Experience Convenience and Security with Citi Online Banking

Citi online banking security

Citibank Singapore, a subsidiary of Citigroup, one of the largest financial services companies in the world, offers Online Banking services to all its customers.

With Citi Online Banking, customers in Singapore can access a wide range of banking services, including account management, fund transfers, bill payments, and investment services, all from the convenience of their computer or mobile device. 

The platform is designed to be secure and user-friendly, with features such as two-factor authentication and real-time notifications to help customers stay on top of their finances. 

Whether you're looking to manage your day-to-day banking or make bigger financial moves, Citi Online Banking is a convenient and reliable choice.

Complete Transfers and Payments Easily with Citibank PayNow

Make transfers and payments easily with citibank paynow

Citibank PayNow is a feature available to Citibank customers in Singapore that allows them to make payments and transfer money to other individuals or businesses using their mobile number or Singapore NRIC/FIN number. This feature allows for transactions without the need for the recipient's bank account details. 

To use Citibank PayNow, customers need to link their mobile number or NRIC/FIN number to their Citibank account through the Citibank online banking portal or mobile app. Once linked, customers can make payments or transfer money to other PayNow registered users in real-time. 

Additionally, Citibank PayNow also allows customers to make recurring payments, such as bills, using this service. Citibank PayNow is a convenient and secure way to make transactions in Singapore.

Take Advantage of Credit Card Promotions with Citibank

Take Advantage of Credit Card Promotions with Citibank

Citibank credit card promotions in Singapore can vary depending on the time of year and the specific card.

Some common promotions include cashback offers, bonus miles, and cash vouchers.

For example, Citibank credit cardholders may be able to earn additional cashback on purchases made at certain retailers or receive discounts on hotel bookings. It is important to check with Citibank for the most current promotions available as they may change frequently.

Additionally, you can also check the Citibank's official website or the Citibank app for latest promotions.

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With these options in mind, you're well-equipped to buy the right travel insurance for your Schengen adventure. To further streamline your search and ensure you're getting the best possible coverage, we've prepared in-depth guides on travel insurance for popular Schengen countries:

 

Plan ahead on your Schengen trip with travel insurance.

Frequently Asked Questions

As Singapore doesn't offer Schengen Travel Insurance per se, if you're travelling to any of the countries within the Schengen area, you should purchase a regular travel insurance that covers those countries.

No, Schengen insurance is typically designed to cover medical expenses and emergencies only within the countries of the Schengen area. However, buying a regular travel insurance plan as you typically would for travelling to Europe should provide you with coverage for both Schengen countries and other European countries.

If you experience a medical issue while in the Schengen Area, seek medical assistance immediately. Contact the local emergency services by dialing the emergency number (usually 112) and inform them of your situation. Contact your travel insurance provider as well, as they can guide you on the next steps and assist with any potential medical expenses.

Yes, you can buy group travel insurance for your partner and children for the Schengen area. Ensure the policy meets Schengen visa requirements if needed, covering at least €30,000 (~S$44,000) in medical expenses and providing repatriation coverage. Check policy details and choose a reputable provider. Verify specific requirements with the embassy of the Schengen country you plan to visit.

If you're applying for a Schengen visa, you can choose to buy a Schengen travel insurance policy. However, since Singapore doesn't offer travel insurance plans specifically designed for the Schengen area, purchasing regular travel insurance that meets the requirements will do. Those not planning to get a Schengen visa should still consider investing in insurance to cover for unnecessary risk.

Since a Schengen visa is not mandatory for Singaporean citizens travelling for short stays, it is unlikely that you would receive a refund for your travel insurance if your visa application is denied. Travel insurance policies typically cover unforeseen events that occur during your trip, not events related to the visa application process itself.

The EU is a political and economic union, while the Schengen area’s focus is on passport-free travel. In terms of insurance, this means standard travel insurance policies that cover all of Europe will generally suffice for Schengen travel, as long as they meet the minimum requirements for medical coverage and repatriation.

We work with the best Travel Insurance Providers

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