Best Travel Insurance for Pregnancies in Singapore 2024: A Guide for Expectant Mums
Updated: Oct 09, 2024
Are you planning a babymoon or necessary travel while pregnant? You're not alone. Many expectant mothers in Singapore embark on journeys before their little one arrives. However, pregnancy brings unique health considerations, making it crucial to find the right travel insurance for your condition.
As you prepare for your trip, it's essential to understand how pregnancy travel insurance can protect both you and your baby. The right policy covers unexpected medical issues and trip cancellations, providing peace of mind during this special time.
Let's explore the top choices for pregnancy-friendly travel insurance in Singapore for 2024, ensuring you're well-covered for your upcoming adventures. Whether you're craving one last laksa by the beach or planning to chope a spot at Marina Bay Sands before baby arrives, we've got you covered!
Travel Insurance for Pregnancy
| Provider | Overseas medical expenses | Offers and Rewards | Apply | ||||
|---|---|---|---|---|---|---|---|
 MSIG Premier Plan | S$1,000,000.00 | Eligible rewards (5) | on SingSaver's website | Eligible rewards (5) on SingSaver's website | |||
 Tiq Travel Luxury | S$1,000,000.00 | Eligible rewards (3) | on Tiq by Etiqa's website | Eligible rewards (3) on Tiq by Etiqa's website | |||
 Singlife Travel Prestige | Unlimited | Eligible rewards (3) | on Singlife's website | Eligible rewards (3) on Singlife's website | |||
 AIG Travel Guard® Direct - Supreme | S$2,500,000.00 | Eligible rewards (2) | on AIG's website | Eligible rewards (2) on AIG's website | |||
 Starr TraveLead Gold Plan - Worldwide (Annual) | S$1,000,000.00 | Eligible rewards (3) | on SingSaver's website | Eligible rewards (3) on SingSaver's website | |||
 FWD First | S$1,000,000.00 | Eligible rewards (2) | on FWD's website | Eligible rewards (2) on FWD's website | |||
Best for Comprehensive Pregnancy Coverage: MSIG Premier Plan
MSIG Premier Plan
on SingSaver's website
| Overseas medical expenses | S$ 1,000,000.00 |
|---|
Eligible rewards (5)
Plan details
Best for Cashless Hospital Admission: Tiq Travel Luxury
Tiq Travel Luxury
on Tiq by Etiqa's website
| Overseas medical expenses | S$ 1,000,000.00 |
|---|
Eligible rewards (3)
Plan details
Best for Medical Evacuation and Repatriation: Singlife Travel Prestige
Singlife Travel Prestige
on Singlife's website
| Overseas medical expenses | Unlimited |
|---|
Eligible rewards (3)
Plan details
Best for Broad Pregnancy-Related Benefits: AIG Travel Guard Direct - Supreme
AIG Travel Guard® Direct - Supreme
on AIG's website
| Overseas medical expenses | S$ 2,500,000.00 |
|---|
Eligible rewards (2)
Plan details
Best for 24/7 Medical Assistance: FWD First
FWD First
on FWD's website
| Overseas medical expenses | S$ 1,000,000.00 |
|---|
Eligible rewards (2)
Plan details
Best for Coverage of Multiple Destinations: Starr TraveLead Gold Plan - Worldwide (Annual)
Starr TraveLead Gold Plan - Asia Pacific (Annual)
on SingSaver's website
| Overseas medical expenses | S$ 1,000,000.00 |
|---|
Eligible rewards (3)
Plan details
Understanding Travel Insurance for Pregnancy in Singapore: What Expectant Mums Need to Know
Travelling while pregnant requires careful planning and the right insurance. In Singapore, many expectant mothers wonder if travel insurance covers pregnancy and what features to look for in the best travel insurance for their condition.
Why Pregnant Travellers Need Specialised Insurance
Standard travel policies often don't adequately cover pregnant women. Specialised insurance is crucial for both mother and baby, as it covers pregnancy-related emergencies and complications that might occur while travelling.
Key Features of Pregnancy-Friendly Travel Insurance
When searching for the best travel insurance for pregnancy, look for these essential features:
Coverage for pregnancy-related medical emergencies
Neonatal care for premature births
Emergency evacuation and repatriation
Trip cancellation due to pregnancy complications
Pregnancy-Related Coverage Limitations and Exclusions
It's vital to understand what your policy doesn't cover. Common exclusions include:
Exclusion | Description |
|---|---|
Advanced Pregnancy | Travel beyond 32-36 weeks of gestation |
Pre-existing Conditions | Complications from known pregnancy issues |
Routine Care | Regular check-ups and non-emergency treatments |
Fertility Treatments | IVF or other assisted reproduction procedures |
Always read the policy details carefully to ensure you're getting the coverage you need. This way, you can have a safe and worry-free journey, whether you're indulging in a final milo dinosaur at Changi Jewel or taking in the sights from the Singapore Flyer.
Travel Insurance for Pregnancy: Top Providers in Singapore
Expecting mums planning trips from Singapore should seek reliable travel insurance for pregnancy up to 36 weeks. We've researched the best options to help you make an informed choice.
In Singapore, many insurers offer pregnancy coverage, but each has its own rules. Let's compare some top insurers:
|
Insurer |
Max Gestational Age |
Pregnancy Complications |
Emergency Evacuation |
|---|---|---|---|
|
AIG |
40 weeks |
Covered |
Unlimited |
|
Tiq |
26 weeks |
Covered |
Up to S$1,800,000 |
|
MSIG |
40 weeks |
Covered |
Up to S$1,000,000 |
AIG stands out for covering up to 36 weeks of pregnancy. They offer comprehensive protection for expectant mums, including pregnancy emergencies and evacuation costs.
Tiq's policy covers up to 26 weeks but provides substantial benefits for emergency evacuations. This is crucial for mums-to-be venturing to remote destinations.
MSIG offers coverage up to 40 weeks and robust benefits for pregnancy complications. Their policy could be ideal for those seeking balanced protection.
When selecting your travel insurance, consider your specific needs, destination, and stage of pregnancy. The best insurance for pregnancy isn't solely about gestational age coverage. It's about securing comprehensive protection tailored to your journey.
Conclusion: Choosing the Right Travel Insurance for Your Pregnancy Journey
Selecting the appropriate travel insurance for your pregnancy is crucial for a safe and enjoyable trip. When comparing policies, carefully examine the coverage details. Ensure they include prenatal care and emergency medical services. Be aware that some policies may have restrictions on how far along you can be in your pregnancy.
It's imperative to thoroughly read the terms and conditions. Pay special attention to any clauses regarding pre-existing conditions. If you're uncertain about any aspect, don't hesitate to contact the insurance company for clarification. Remember, the most economical option isn't always the most suitable. You want coverage that provides peace of mind throughout your travels.
Invest time in thoroughly comparing travel insurance options for pregnancy. This diligence can help you identify a policy that aligns perfectly with your needs. Consider factors such as your destination, trip duration, and any specific pregnancy-related concerns you may have. By conducting thorough research, you can embark on your travels with confidence, knowing you're well-protected.
Frequently Asked Questions (FAQs)
Why do pregnant travellers need specialised insurance?
Pregnancy comes with additional risks that may require urgent medical attention while abroad. Standard travel insurance often doesn't adequately cover these risks. Therefore, specialised insurance is essential for pregnant women to ensure comprehensive protection.
What are the key features of pregnancy-friendly travel insurance?
This type of insurance typically covers costs associated with pregnancy complications, premature delivery, and emergency medical care. It also often includes coverage for additional accommodation or travel expenses incurred due to pregnancy-related issues.
Are there any limitations or exclusions related to pregnancy coverage?
Yes, most travel insurance policies for pregnancy have certain limitations or exclusions. These may include gestational age limits, pre-existing conditions, or planned deliveries. It's crucial to carefully review the policy details to understand these restrictions.
Which travel insurance providers in Singapore offer coverage for pregnant travellers up to 36 weeks?
In Singapore, insurers such as MSIG, AIG and Singlife offer insurance coverage for pregnant women up to 36 weeks or later in pregnancy. However, always verify the specific terms with the insurer.
What factors should I consider when comparing travel insurance for pregnancy?
Consider coverage limits for medical expenses, gestational age limits, pregnancy-specific benefits, policy exclusions, and flexibility. Also, evaluate the insurer's reputation, customer service quality, and claim processing efficiency.
Does travel insurance cover planned deliveries or elective C-sections while travelling?
Most policies do not cover planned deliveries or elective C-sections abroad, as these are considered pre-planned events or conditions. However, some insurers may provide coverage for emergencies or unexpected pregnancy complications.
How does pregnancy travel insurance work with Singapore's healthcare system?
While Singapore's healthcare system is excellent, pregnancy travel insurance provides additional protection when you're overseas. It works in conjunction with your local healthcare coverage, ensuring you're protected both at home and abroad. This can be particularly reassuring if you're planning a babymoon to celebrate your last 'shiok' moments before parenthood!