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?
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
Get UPSIZED S$370 Cash or 5,040 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
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
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
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.
Existing American Express Card Members can receive up to 28,000 KrisFlyer miles. T&Cs apply.
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- on Overseas Spend (till 31 Jan 2025)
- Additional 3% Cashback
PLUS receive S$30* eCapitaVoucher(s). T&Cs apply.
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
- on Overseas Spend (till 31 Jan 2025)
- Additional 3% Cashback
PLUS receive S$30* eCapitaVoucher(s). T&Cs apply.
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
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
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
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
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
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
MoneySmart Exclusive: Get S$100 Cash via PayNow on top of the UOB Online Promotion when you apply and spend a min. of S$500 in Eligible Transactions within 1 month from card approval date! For new-to-UOB Credit Cardmembers only. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
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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)
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
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
Get S$199 Cash via PayNow or 3,500 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
*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.
