Best Credit Cards With Complimentary Travel Insurance Coverage (2024)
Several credit cards offer complimentary travel insurance. That is, on the condition that you charge your full flight fares to them. Which of them have the best travel insurance coverage and complement your everyday lifestyle? We analyse it in further detail below.
What You Need To Know About Complimentary Travel Insurance
Before embarking on your next adventure, it is always vital to consider your safety and be prepared for any unexpected emergencies like a global cyber outage, epidemic outbreak or natural disasters.
Your credit card can be a lifesaver during such situations as you can turn to it to pay for necessities or even emergency medical expenses overseas. While many credit cards offer complimentary travel coverage, is it really enough? Let's delve into the key benefits of such coverage and weigh the pros and cons, before making a decision.
How Credit Card Complimentary Travel Insurance Works?
Credit card complimentary travel insurance is quite a common perk offered by many credit card issuers in Singapore nowadays. Essentially, you get travel insurance coverage at no additional cost when you use your credit card to purchase specific travel components.
Here’s a general overview of how it works:
Eligibility and Activation
Coverage
Pros & Cons Of Complimentary Travel Coverage By Credit Cards
| Pros | Cons | |
|---|---|---|
Which Credit Cards Provide Complimentary Travel Insurance?
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Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
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The Citi PremierMiles Card offers HL Assurance-backed travel insurance coverage, providing up to S$1,000,000 for accidental death and permanent disablement, S$40,000 for medical expenses, S$100,000 for emergency evacuation, and protection against travel disruptions like lost or delayed luggage. It also includes COVID-19 medical expenses and a hospital allowance. Coverage activates when you use the card to pay for round-trip airfare or the taxes and fees on an award ticket.
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American Express Singapore Airlines KrisFlyer Credit Card
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
Limited Time Offer! Get an additional S$50 eCapitaVoucher on top of the baseline offer below! *Limited to new American Express card members only
New to American Express Card Members can receive up to 17,000 KrisFlyer miles – enough to redeem a return trip to Bali* on Singapore Airlines. T&Cs apply.
New to American Express Card Members can receive up to 17,000 KrisFlyer miles – enough to redeem a return trip to Bali* on Singapore Airlines. T&Cs apply.
AMEX KrisFlyer Credit Cardholders who use their card to pay for airfares enjoy automatic travel insurance, underwritten by Chubb. This coverage applies to both cash and award tickets, provided taxes and fees are paid with the AMEX KrisFlyer Credit Card.
The plan includes up to S$350,000 for accidental death or permanent disability on public transport, plus protection for travel disruptions like missed connections and baggage delays.
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American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
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New to American Express Card Members can receive up to 38,000 KrisFlyer miles – enough to redeem a return trip to Taipei* on Singapore Airlines, while existing American Express Card Members can receive up to 28,000 KrisFlyer miles. T&Cs apply.
Cardholders of the AMEX KrisFlyer Ascend who use the card for airfare, whether for cash tickets or award tickets with taxes and fees paid via the card, receive automatic travel insurance from Chubb. This includes S$1,000,000 in coverage for accidental death or permanent disability on public transport, along with protection for travel inconveniences like missed connections and baggage delays.
Online Promo
Unlimited 2% Cashback
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cash Rebate cap
- Unlimited
Online Promo: Valid until 31 Jan 2025
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Charge your full travel fares to your CIMB Visa Infinite card and enjoy complimentary travel insurance coverage for you and your family, underwritten by Sompo. This coverage includes up to S$1,000,000 for accidental death and permanent disablement, as well as up to S$25,000 for emergency medical evacuation and repatriation. In addition to these core protections, you’re also covered for travel inconveniences like baggage loss and flight delays, adding peace of mind to every journey.
Online Promo
Up to 10% Cashback
CIMB Visa Signature
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- 10%
- Min. spend per month to qualify for the 10% Cash Back
- S$800
- Cash Back Cap per month
- S$100
Online Promo: Valid until 31 Jan 2025
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
When you charge your full travel fares to your CIMB Visa Signature card, you’ll enjoy automatic travel insurance coverage of up to S$500,000 for you and your family, provided by Sompo. This coverage extends beyond major concerns, offering protection against travel inconveniences like baggage delays and flight postponements, so you can travel with confidence.
Online Promo
Earn Miles That Never Expire
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 5 miles
- on Online Travel Bookings
- S$1 = Up to 2.2 miles
Online Promo: Valid until 31 Jan 2025
Get up to 30,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$800 within 60 days from card approval date. T&Cs apply.
Online Promo
LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles Visa Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 6.6 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Online Promo: Valid until 30 Nov 2024
Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee
OR get up to 38,000 miles for new-to-UOB Credit Cardmembers with 1st year Annual Fee waived (Capped at first 50 eligible cardmembers monthly). T&Cs apply.
UOB PRVI Miles Cardholders who book their flights using their card can enjoy complimentary travel insurance. To activate coverage, they must register through this link at least five business days before departure.
The insurance includes S$500,000 for accidental death and S$50,000 for emergency medical assistance, evacuation, and repatriation (including COVID-19-related cases).
Online Promo
LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles Mastercard Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 6.6 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Online Promo: Valid until 30 Nov 2024
Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee
OR get up to 38,000 miles for new-to-UOB Credit Cardmembers with 1st year Annual Fee waived (Capped at first 50 eligible cardmembers monthly). T&Cs apply.
Online Promo
LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles American Express Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 6.6 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Online Promo: Valid until 30 Nov 2024
Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who pay 1st year Annual Fee
OR get up to 38,000 miles for new-to-UOB Credit Cardmembers with 1st year Annual Fee waived (Capped at first 50 eligible cardmembers monthly). T&Cs apply.
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Online Promo
DCS CASHBACK Card
- on all eligible transactions
- Up to 5% Cash Rebate
- Airport Lounge Access and Insurance Coverage
- Complimentary
- Annual Principal Fee
- S$196.20 (inclusive of GST)
Online Promo: Valid until 31 Dec 2024
Get a CATERPILLAR Luggage Bag (worth S$220) when you apply for a minimum of any 2 eligible DCS cards and spend a minimum of $350 monthly for 2 consecutive months OR apply for an eligible DCS card and spend a minimum of S$450 monthly for 2 consecutive months. T&Cs apply.
LUCKY DRAW | High Spend on Dining
OCBC 365 Credit Card
- Cashback on Fuel Spends
- 6%
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
OCBC 365 Credit Cardholders who have fully charged their air tickets for a scheduled flight to their OCBC 365 Credit Card can enjoy complimentary travel coverage, underwritten by Great Eastern. Each insured cardholder is entitled to a range of benefits, including up to S$200,000 in coverage for death and permanent disability and up to S$500 for reimbursement of overseas medical expenses.
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Earn up to 2.4 Miles | Instant Activation*
HSBC TravelOne Card
- on Local Spend
- S$1 = 1.2 miles
- on Foreign Currency Spend
- S$1 = 2.4 Miles
- Travel Insurance coverage, Airport Lounge visits
- Complimentary
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HSBC TravelOne Cardholders enjoy complimentary travel insurance, underwritten by MSIG, when they use their card to purchase airfare or pay taxes and surcharges on tickets redeemed with miles. Coverage includes S$75,000 for accidental death, S$150,000 for overseas medical expenses, and up to S$1 million for emergency evacuation, plus protection for travel inconveniences like delays and lost luggage.
*All data is accurate at the time of writing, last updated on 15 November 2024 as per the information published on the respective providers websites.
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Frequent Asked Questions
Do you get travel insurance with your credit card?
- Many credit cards provide some level of travel insurance coverage if you charge your full fares to them. Usually the best cards that provide travel insurance are air mile cards, such as Citi PremierMiles Visa, DBS Altitude, UOB PRVI Miles and AMEX KrisFlyer. There are two cashback cards in Singapore that provide travel insurance too: OCBC 365 and CIMB Visa Signature Credit Card.
Does travel insurance cover me if I cancel my flight?
- It depends on your policy. Look under the section "trip cancellation" to see if your travel insurance compensates when you cancel your flight. You will need to show proof of a valid cancellation reason: sickness, injury, death of either you, your family member, or travelling companion.
Does my credit card's complimentary travel insurance cover discounted flights?
- Usually yes, on the condition that you charge your full fares to the card.
