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Get the Best Annual Travel Insurance in Singapore 2024

Compare single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price Read More
Traveling to Thailand 22 Nov 2024 - 24 Nov 2024
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We found 39 Travel Insurances for you!
Recommended
Starr TraveLead Comprehensive Silver

Total Premium

S$349.83

35% OffS$538.20
MoneySmart Exclusive
Best Value Plan
Promotion ends in

Starr TraveLead Comprehensive Silver

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$7,500
Total Premium
S$538.2035% Off
S$349.83

[GIVEAWAY | MoneySmart Exclusive]
 
Enjoy 60% off your Single Trip policy premium.
 
Get over S$105 worth of rewards including:
• Up to S$50 via PayNow OR an Apple AirTag (worth S$45) with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
 
Score exciting gifts on top of existing rewards:
• Apple AirPods 4* (worth S$199). T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 26 Nov 2024 - See more details below
Apply Now
More Details
Allianz Travel Silver

Total Premium

S$257.09

53% OffS$547
MoneySmart Exclusive
Best Medical Coverage

Allianz Travel Silver

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$54753% Off
S$257.09

[GIVEAWAY | MoneySmart Exclusive]
 
Get over S$130 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
     
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
FWD Premium

Total Premium

S$208.71

25% OffS$278.28
MoneySmart Exclusive
Cancel for any reason add-on available

FWD Premium

Med. Coverage (Overseas)
S$200,000
Trip Cancellation
S$7,500
Loss/Damage of Baggage
S$3,000
Total Premium
S$278.2825% Off
S$208.71

[Prizes worth over S$25,000 | MoneySmart Exclusive]
    
Get over S$55 worth of rewards including:
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
   
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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HL Assurance Travel Protect360 Basic

Total Premium

S$208.45

45% OffS$379
MoneySmart Exclusive
No Claim Discount

HL Assurance Travel Protect360 Basic

Med. Coverage (Overseas)
S$150,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$37945% Off
S$208.45

[GIVEAWAY | Receive your cash as fast as 30 days*]
         
Get over S$125 worth of rewards including:
• S$40 via PayNow with purchase of any annual trip plans. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
          
Score exciting gifts on top of existing rewards:
• Nintendo Switch OLED. T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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INCOME Standard Classic

Total Premium

S$277.60

20% OffS$347
MoneySmart Exclusive
Post-departure purchase option available

INCOME Standard Classic

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$34720% Off
S$277.60

[Prizes worth over S$25,000 | FLASH DEAL]
   
Enjoy 60% off your Single Trip policy premium and get additional 50,000^ STAR$® with worldwide plans purchased. Discounts valid till 22 Nov 2024. T&Cs apply.
   
Get over S$95 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
   
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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Zurich Travel Insurance Essential

Total Premium

S$215.63

5% OffS$226.98
MoneySmart Exclusive
Free Lounge Access | Best Value for ASEAN trip

Zurich Travel Insurance Essential

Med. Coverage (Overseas)
S$125,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$226.985% Off
S$215.63

[Prizes worth over S$25,000 | Receive your cash as fast as 30 days*]
 
Get over S$105 worth of rewards including:
• Up to S$20 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
 
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 24 Nov 2024 - See more details below
Apply Now
Apply Now
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DirectAsia Voyager 1000 Annual Plan

Total Premium

S$274.89

40% OffS$458.15
MoneySmart Exclusive
Free coverage for children

DirectAsia Voyager 1000 Annual Plan

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$25,000
Loss/Damage of Baggage
S$7,500
Total Premium
S$458.1540% Off
S$274.89

[Prizes worth over S$25,000 | Receive your cash as fast as 30 days*]
     
Get up to S$75 worth of rewards including:
• Up to S$25 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
    
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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Great Eastern TravelSmart Premier Classic

Total Premium

S$313.65

15% OffS$369
MoneySmart Exclusive

Great Eastern TravelSmart Premier Classic

Med. Coverage (Overseas)
S$300,000
Trip Cancellation
S$10,000
Loss of Baggage
S$5,000
Total Premium
S$36915% Off
S$313.65

[GIVEAWAY | MoneySmart Exclusive]
 
Enjoy 45% off your Single Trip policy premium.
 
Get up to S$60 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers with every policy purchased.
 
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
Singlife Travel Plus

Total Premium

S$336

25% OffS$448
MoneySmart Exclusive
Free Trip Cancellation

Singlife Travel Plus

Med. Coverage (Overseas)
S$2,000,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$44825% Off
S$336

[GIVEAWAY | SmartRewards | Receive your rewards as fast as 30 days*]
   
Get over S$115 worth of rewards including:
• Up to 510 SmartPoints OR S$30 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
   
Use SmartPoints to redeem your favourite product from our Rewards Store today.
   
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
AIG Travel Guard® Direct - Enhanced

Premium

S$374.40

20% OffS$468
MoneySmart Exclusive
Most Flexible Plan

AIG Travel Guard® Direct - Enhanced

Overseas Medical Expenses
S$1,000,000
Travel Cancelation / Postponement
S$10,000
Loss/Damage of Personal Baggage
S$5,000
Premium
S$46820% Off
S$374.40

[GIVEAWAY | MoneySmart Exclusive]
     
• Enjoy an exclusive 20% off your policy premium.
    
Get over S$75 worth of rewards including:
• S$30 Revolut cash reward
• S$10 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
     
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
Tiq Savvy

Total Premium

S$293

MoneySmart Exclusive
Most efficient claims for flight delay

Tiq Savvy

Med. Coverage (Overseas)
S$500,000
Travel Cancelation
S$5,000
Loss/Damage of Baggage
S$2,000
Total Premium
S$293

[GIVEAWAY | FLASH SALE]
  
Enjoy 55% off Single Trip and 80% off COVID-19 add-on Annual Trip. Discount is valid till 21 Nov 2024. T&Cs apply.
  
Get S$40 worth of rewards including:
• S$30 Revolut cash reward
• S$10 iShopChangi vouchers with every policy purchased. T&Cs apply.
  
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
  
[Tiq Promotion]
PLUS, get FREE Travel Insurance (worth S$30) when you are new to Tiq. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
The Wise Traveller Premium

Total Premium*

S$340

Covers for Covid-19

The Wise Traveller Premium

Med. Coverage (Overseas)
S$480,000
Trip Cancellation
S$13,500
Loss/Damage of Baggage
S$13,500
Total Premium*
S$340
Apply Now
More Details
Great Eastern TravelSmart Premier Elite

Total Premium

S$375.70

15% OffS$442
MoneySmart Exclusive

Great Eastern TravelSmart Premier Elite

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$15,000
Loss of Baggage
S$5,000
Total Premium
S$44215% Off
S$375.70

[GIVEAWAY | MoneySmart Exclusive]
 
Enjoy 45% off your Single Trip policy premium.
 
Get up to S$60 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers with every policy purchased.
 
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
AIG Travel Guard® Direct - Supreme

Premium

S$443.20

20% OffS$554
MoneySmart Exclusive
Most Flexible Plan

AIG Travel Guard® Direct - Supreme

Overseas Medical Expenses
S$2,500,000
Travel Cancelation / Postponement
S$15,000
Loss/Damage of Personal Baggage
S$10,000
Premium
S$55420% Off
S$443.20

[GIVEAWAY | MoneySmart Exclusive]
     
• Enjoy an exclusive 20% off your policy premium.
    
Get over S$75 worth of rewards including:
• S$30 Revolut cash reward
• S$10 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
     
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
Allianz Travel Basic

Total Premium

S$157.92

53% OffS$336
MoneySmart Exclusive
FLASH DEAL 57% OFF

Allianz Travel Basic

Med. Coverage (Overseas)
S$200,000
Trip Cancellation
S$1,500
Loss/Damage of Baggage
S$1,000
Total Premium
S$33653% Off
S$157.92

[GIVEAWAY | MoneySmart Exclusive]
 
Get over S$130 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
     
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
HL Assurance Travel Protect360 Premier

Total Premium

S$541.75

45% OffS$985
MoneySmart Exclusive
Includes Covid-19 cover | No Claim Discount

HL Assurance Travel Protect360 Premier

Med. Coverage (Overseas)
S$750,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$8,000
Total Premium
S$98545% Off
S$541.75

[GIVEAWAY | Receive your cash as fast as 30 days*]
         
Get over S$125 worth of rewards including:
• S$40 via PayNow with purchase of any annual trip plans. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
          
Score exciting gifts on top of existing rewards:
• Nintendo Switch OLED. T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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FWD First

Total Premium

S$327.03

25% OffS$436.04
MoneySmart Exclusive
Cancel for any reason add-on available

FWD First

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$7,500
Total Premium
S$436.0425% Off
S$327.03

[Prizes worth over S$25,000 | MoneySmart Exclusive]
    
Get over S$55 worth of rewards including:
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
   
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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Allianz Travel Platinum

Total Premium

S$357.67

53% OffS$761
MoneySmart Exclusive
Best Medical Coverage

Allianz Travel Platinum

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$76153% Off
S$357.67

[GIVEAWAY | MoneySmart Exclusive]
 
Get over S$130 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
     
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
More Details
DirectAsia Voyager 250 Annual Plan

Total Premium

S$172.09

40% OffS$286.82
MoneySmart Exclusive
Free coverage for children

DirectAsia Voyager 250 Annual Plan

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$10,000
Loss/ Damage of Baggage
S$3,000
Total Premium
S$286.8240% Off
S$172.09

[Prizes worth over S$25,000 | Receive your cash as fast as 30 days*]
     
Get up to S$75 worth of rewards including:
• Up to S$25 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
    
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.

Valid until 30 Nov 2024 - See more details below
Apply Now
Apply Now
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The Wise Traveller Secure

Total Premium*

S$255

Covers for Covid-19

The Wise Traveller Secure

Med. Coverage (Overseas)
S$312,000
Trip Cancellation
S$10,500
Loss/Damage of Baggage
S$5,000
Total Premium*
S$255
Apply Now
More Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Travel Insurance in Singapore 2024

Choose from MoneySmart's curated list of best travel insurance plans in Singapore and find out how to pick the most suitable plan for your needs as a traveller.

With our help, you’ll be able to compare a wide range of Single Trip travel insurance plans and Annual Multi-Trip packages in Singapore in terms of premiums, medical coverage, coverage for overseas medical expenses, trip cancellation, replacement of traveller, cruise vacation, personal baggage damages, and more.

Comparing The Coverage Of The Best Travel Insurance In Singapore

Insurance Provider Best For Medical Coverage (Overseas) Trip Cancellation Coverage Loss or Baggage Premium
AIG Emergency travel assistance services S$200,000 S$5,000 S$3,000 From S$43
Allianz Emergency transportation (Includes COVID-19 Coverage) S$200,000 S$1,500 S$1,000 From S$37
Bubblegum Overall good value S$150,000 S$5,000 S$3,000 From S$31
DirectAsia "Kids travel with free coverage" benefit (Families) S$150,000 S$3,000 S$1,000 From S$25
FWD Lower premiums S$200,000 S$7,500 S$3,000 From S$20
Great Eastern Coverage for sports and adventurous activities S$300,000 S$10,000 S$5,000 From S$51
Hong Leong Assurance No claim discount S$150,000 S$5,000 S$3,000 From S$42
Income Post-departure purchase up to a day of departure S$250,000 S$5,000 S$3,000 From S$43
MSIG Comprehensive coverage (includes pre-existing conditions) S$250,000 S$5,000 S$3,000 From S$38
Singlife High or unlimited overseas medical coverage S$250,000 S$5,000 S$3,000 From S$29
Sompo Specially tailored plan for Japan trips S$200,000 S$5,000 S$1,000 From S$36
Starr Cruise coverage S$200,000 S$5,000 S$3,000 From S$25
The Wise Traveller Annual trips and membership programmes S$480,000 S$13,500 S$13,500 From S$306
Tiq Auto-pay out and higher efficiency for flight delays S$200,000 S$5,000 S$2,000 From S$21
Zurich Complimentary lounge access for flight delays S$50,000 S$2,500 S$2,000 From S$14

Understanding the Different Travel Insurance Types: Single vs. Annual, Individual vs. Family Plans

Single-Trip Travel Insurance

Ideal for occasional travelers, single-trip insurance covers individual trips, typically lasting up to 180 days. It’s cost-effective for infrequent travelers and easy to purchase online with prices going as low as $4/day for a 3-day trip to Southeast Asia.

Example: Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice in Australia.

Annual Multi-Trip Travel Insurance

Designed for frequent travelers, annual multi-trip plans cover multiple trips within a year. You only need to purchase it once for 12 months of coverage, making it a great option for those intending to make multiple long trips or short getaways abroad in a year.

Example: Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Individual travel insurance plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family travel insurance plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

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What Do Singapore Travel Insurance Plans Cover?

While pricing is important when comparing travel insurance, factors like overseas medical and trip cancellation coverage are equally crucial. Coverage details vary by insurer, so here are key aspects to consider when choosing the right plan.

Overseas medical expenses

  • Claim for necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days).
  • Coverage limit is specified according to the selected plan.
  • Some plans have tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

  • Reimbursement in cash for hospital stays.
  • Commonly included in many plans, especially after the Covid-19 pandemic.

Emergency medical evacuation and repatriation

  • Fundamental coverage for costs incurred during emergency medical evacuation and repatriation (including repatriation of mortal remains to Singapore).
  • Ensure someone contacts the insurer’s emergency service on your behalf, providing: your full name, trip dates, NRIC/FIN number, policy number, location, and contact number. As well as the nature of the emergency and required assistance.

Trip cancellation and interruption

  • Coverage for trip cancellations, postponements, delays, and interruptions.
  • May be applicable if you or relatives traveling with you are diagnosed with severe illness or injured before the departure date (subject to terms and conditions).

Baggage and personal belongings

  • Coverage for lost, stolen, or damaged baggage and belongings.
  • Baggage delay compensation if your luggage is delayed.
  • Some providers can also offer separate coverage for gadgets like phones, laptops, cameras, etc.

Pre-existing conditions

  • Not commonly included in most plans, but available with certain insurers like MSIG, Income Insurance (formerly known as NTUC Income Travel Insurance, and Etiqa.
  • Usually has higher premiums compared to regular plans.
  • Provides coverage for overseas medical expenses related to pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While travel insurance includes “trip cancellation” coverage, claims are only valid for insured events like illness, accidents, or unforeseen events (riots, natural disasters). Be sure to check the policy for exclusions.

Flight Cancellation Due to Known Event

Flight cancellations due to events already publicly known at the time of ticket purchase are not covered, as you're expected to be aware of them. However, coverage applies if you bought your flights and insurance before the event was made public

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers events beyond your control. If you decide to cancel your trip, you generally can't claim anything unless your policy includes a "Cancellation for Any Reason" benefit. However, during pandemics or major events, airlines may waive cancellation penalties as a goodwill gesture. Always check with your airline and insurer for updated policies during such situations.

What Customers Say about their Travel Insurance Purchase

⭐⭐⭐⭐⭐

Review by Doreenngsk Ng

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

⭐⭐⭐⭐⭐

Review by Ron Tay

"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jodel Tan

"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."

As seen on Google

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How do travel claims work?

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Step 1

Get your supporting documents ready

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Step 2

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Step 3

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is the average cost of travel insurance in Singapore?

For a one-week trip to an ASEAN country, travel insurance premiums typically range from S$25 to S$116. However, the exact cost depends on various factors such as your destination, trip duration, and the level of coverage selected. To maximise savings, check MoneySmart for travel insurance promo codes and offers. With these discounts, you could secure coverage for as little as S$3 a day.

What's the difference between single-trip or annual multi-trip travel Insurance?

  • Single-trip insurance covers you for one trip, ideal for individuals or families going on a single holiday, especially longer trips (up to 180 days).
  • Annual multi-trip insurance covers multiple trips within a year, each under 180 days. It's best for frequent travelers (10+ trips a year), offering convenience and cost savings as you're covered for the whole year without needing to buy insurance for each trip.

    • Are family travel insurance plans cheaper?

    Most insurers offer cheaper insurance premium rates if you purchase your travel insurance plan as a family.

    Can I buy travel insurance once I'm overseas?

    No. Travel insurance has to be purchased before your trip commences. If you buy travel insurance after your trip commences and you try to make a claim, your insurer may not honour your claim. You should buy your travel insurance after you’ve booked your tickets as travel insurance also protects you from trip cancellation.

    How do I compare travel insurance policies?

    Travel insurance is a relatively simple insurance product. All travel insurance policies will cover you for personal accident, medical and travel inconveniences. However, if you intend to rent a car or participate in underwater sports like snorkeling or diving, you might want to get a travel insurance policy that provides those additional features. Compare travel insurance plans on MoneySmart and find the one with the best price and coverage level for you!

    What are the best travel insurance for East and Southeast Asia countries?

    We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia, taking a weekend trip to Thailand, holidaying in Bali, planning a trip to Japan or a getaway to South Korea. Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

    Does travel insurance cover flight cancellation due to illness?

    You can generally make travel insurance claims that arise from unforeseen illnesses, but only if the doctor certifies you too ill to travel. This means you have to be really, really ill, not just suffering from a slight case of the sniffles. One big exception to take note of: You won't be able to claim if it's a flare-up of a pre-existing medical condition. That is, if you already have asthma, you can't get compensation for missing your flight because of an asthma attack. You are expected to have known about and prepared for this risk. Technically, you CAN cover such scenarios, but only if the policy specifically states that it covers pre-existing conditions. These tend to be significantly more expensive than regular travel insurance.

    Is there a difference between family travel insurance plans and group travel insurance plans?

    Family travel insurance plans are designed for immediate family members, offering tailored coverage for spouses, partners, and dependent children. They typically provide family-specific protection for events like family-related cancellations and medical emergencies. These plans often come with a single premium, making them cost-effective.

    In contrast, group travel insurance plans are meant for diverse groups of travelers, including non-family members such as friends, colleagues, or organization members. They offer flexibility in coverage, allowing each participant to customize their protection based on individual needs, making them suitable for a variety of group compositions. If you are looking to purchase group travel insurance in singapore or family travel insurance, compare the best plans on Moneysmart!

    We asked Singaporeans about flight disruptions, and they answered.

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