singapore travel insurance 2023

Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

• What should your Travel insurance cover for a trip to Singapore? 

How does Travel Insurance work in Singapore?

• Do I need Travel Insurance for Singapore? 
• How much does Travel Insurance cost for Singapore? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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Top Travel Insurances for Singapore You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The island city-state of Singapore is famous for its modern architecture, clean streets, vibrant culinary scene, and eco-friendly urban environment. While small, the city contains many iconic landmarks such as Marina Bay Sands and Gardens by the Bay. Although travelling to Singapore can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Singapore and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Singapore Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore:

Best Travel Insurances for Singapore

• 01. Should I get travel insurance for Singapore? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Singapore scroll down

Heading to Singapore soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Singapore?

Yes, travel insurance is mandatory for travel to Singapore. This means that as a traveller to Singapore, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Singapore, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Singapore or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Singapore:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Singapore. It lets you choose between various plans tailored to meet the specific needs of your trip to Singapore, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Singapore:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Singapore? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Singapore

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Travelling is a favourite Singaporean pastime. A national sport, if you would. But while we all love travel and wanderlust, most of us don’t give much thought to buying travel insurance .

Buying travel insurance in Singapore is something a lot of us take for granted. Few of us bother to buy travel insurance ahead of time, and even fewer compare policies to find the best travel insurance in Singapore .

Here is everything you should look out for before buying travel insurance in Singapore.

• What does travel insurance cover?
• How to choose travel insurance
• Travel insurance prices
• Best travel insurance in Singapore
• Common mistakes when buying travel insurance
• Travelling with pre-existing health conditions 
• When should I buy travel insurance?
• Single trip or annual travel insurance?
• Compare travel insurance before buying

1. What does travel insurance cover you for?

A good travel insurance policy covers you for a whole series of situations, from the small inconveniences to the most terrible.

Trust me, you never want to be in a situation that you’re not covered for.

It could be a minor inconvenience, like having your luggage delayed and being forced to spend  at least one night in the same clothes you wore on the entire flight. Or it could be a serious medical emergency, like getting stung badly by jellyfish in the middle of a remote island adventure and needing immediate medical attention.

These days, almost all travel insurance in Singapore automatically includes COVID-19 coverage. That means, you’ll be able to claim from your travel insurance if you get Covid-19 while travelling .

You should also have coverage for everything from lost and delayed luggage, flight delays and cancellations, all the way to medical treatment, medical evacuation and even repatriation in case of serious illness and death. All these different situations have different claim limits, of course.

Travel insurance also covers things like reimbursing deposits if your travel agent goes bust, or if your credit card is used fraudulently overseas. Some policies even pay you if you are kidnapped while overseas!  And the best part is that travel insurance is relatively cheap and convenient to buy.

Back to top

2. How to choose travel insurance

With so many different benefits in a travel insurance plan, it can be tough to decide if a particular travel insurance plan is worth your money. You should look out for how much you are reimbursed for common travel hiccups.

• Find a travel insurance that covers flight delays and cancellations:  Flight delays happen more often than you realise. They can be extremely inconvenient, especially if it ends up causing you to miss your connecting flight. Ensure that your policy covers you for a decent period of time. For example, if your flight is delayed, some policies pay you $100 for every 6 consecutive hours of delay. There’s usually a cap of around $200-$500, but if you want more coverage  DirectAsia DA150 pays out up to $1,000 for travel delay.

Total Premium

DirectAsia DA150

[ Win a Rolex, FREE Travel Insurance & More!   | MoneySmart Exclusive]     • Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$20  via PayNow with eligible premiums spent.  T&Cs apply.      BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).     What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .     Increase your chances of winning when you refer friends  today. T&Cs apply.

Key Features

Additional coverage for Travel Insurance - Sports equipment, Maid and COVID-19. Extreme Sports add-on only available for Annual Plans.

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

Optional COVID-19 coverage on trip cancellation, medical expense, and emergency evacuation. Only for Single Trip.

• Lost   or delayed baggage:  Make sure your policy covers you well for such situations. Many policies pay $100 for every 6 consecutive hours your baggage is delayed, including Bubblegum Travel Insurance . Both of these also pay up to $3,00 for lost or damaged baggage. Don’t forget to also pay attention to the maximum amount you’re covered for.

Bubblegum Travel Insurance

[Receive your cash as fast as 30 days*]   •  Enjoy 10% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$25 via PayNow with eligible premiums spent.  T&Cs apply.

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

• Medical coverage overseas: Since you can never predict what might happen on your trip, it literally pays to be safe than sorry. A good travel insurance policy covers you for at least $200,000 for overseas medical coverage and unlimited coverage for emergency medical evacuation and repatriation. One insurance policy that fits the bill is  Starr TraveLead Comprehensive Bronze .

Starr TraveLead Comprehensive Bronze

[ Win a Rolex, FREE Travel Insurance & More!    | MoneySmart Exclusive]   • Enjoy 42% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).   What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .   Increase your chances of winning when you refer friends  today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Personalise your travel insurance-Flexible coverage allows you to create a travel insurance plan with different types of coverage and addon that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

• Travel insurance with COVID-19 coverage:  Ideally, your policy should offer coverage for a range of COVID-19 expenses you might encounter during your travels (and even before you fly!). Look out for the travel insurance policies’ coverage for trip cancellation and postponement and medical expenses due to Covid-19. Overseas quarantine cash allowance is an added bonus. For example,  AIG Travel Guard® Direct – Enhanced covers $100 per day for 14 days if you’re quarantined overseas due to COVID-19.

AIG Travel Guard® Direct - Enhanced

[Receive your cash as fast as 30 days*]    • Receive 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$50 via PayNow with eligible premiums spent. T&Cs apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

3. Travel insurance prices in Singapore

Travel insurance in Singapore is very price-sensitive, and sometimes insurers can compete to shave off even $1 from their premiums to make their policies more enticing (yay for us!).

One way to get a cheaper plan is to see which insurers offer regional travel insurance. If you are only travelling to Thailand, for example, it is usually cheaper to get a policy that covers only SEA or ASEAN countries, rather than a worldwide coverage policy.

However, price is not the only factor—especially since cheap insurance policies often mean significantly less coverage. Buying travel insurance is not like buying a “warehouse sale” LV bag in Chatuchak Market. You don’t just shop around, look for the stall owner with the weakest bargaining skills, and haggle the price down as low as can get.

Look at other aspects of the policy when buying travel insurance . There are many other factors to consider—for example, how much coverage you’re eligible for, and how quickly your claims can be processed. Make sure that you don’t have to wait till the next blue moon before you can see the results of your claims.

4. Which travel insurance to buy in Singapore?

Like anything else you purchase, the best travel insurance is what gives you the most value for money. Say you are only travelling to Thailand for a weekend shopping trip, for example. You’re probably travelling light and don’t need more than $3,000 coverage for loss of baggage, even if you can pay just $3 more for significantly more coverage. Save that $3 and treat yourself to all the Thai milk tea you can drink!

As we said earlier, you shouldn’t be so stingy  and only buy the cheapest. The cheapest may have lots of terms and conditions when it comes to claims . For example, an insurer might not cover delayed luggage if it is only delayed returning to Singapore. However, if this is the only inconvenience you face in your entire trip, you might be understandably upset that it’s not claimable.

The important thing is to read the terms and conditions of your preferred policy carefully and make sure you’re not caught unawares. This is especially important when it comes to medical pre-existing conditions.

5. Common mistakes when buying travel insurance

How many of us actually know how to go about buying a good travel insurance that is suitable for our needs? Here are five common mistakes to avoid when buying travel insurance:

• Buying the most ‘convenient’ travel insurance : Do you just buy the first travel insurance you see on Google? It is important to read the details of the coverage provided to see if they are adequate for your needs or to cover the risks of the destination you’re travelling to, eg. medical coverage and loss of personal belongings.
• Buying travel insurance at the last minute : Do you often buy your travel insurance when waiting to board your flight or while making your way to the airport? Yes, better late than never. However, you should be aware that some of the benefits of the travel insurance are applicable (eg. natural disasters , airline strike, tour agency bankruptcy) if you buy travel insurance ahead of your trip.
• Not buying travel insurance for the entire length of your trip : Should you purchase travel insurance only for the days you are actually overseas? No. You should include flights to and from your holiday destination. In the event of baggage delays, loss or damage, or overbooking of flights, you’d then be able to make a claim. For long haul trips, do remember to cater for the +1 or +2 days that it takes for your flight to reach Singapore.
• Not reading your travel insurance policy : Not all travel insurances are created equal. In fact, the policy document and terms of coverage makes for rather interesting reading. Do go through the policy document for what’s included and excluded, claim limits, and what you gotta do in order to make a claim.
• Assuming travel insurance is “one size fits all” : If your holiday includes adventurous elements like skydiving or scuba diving, check to ensure that the travel insurance you are considering covers these activities. MSIG TravelEasy Elite covers a whole range of activities, including sky diving, hot air ballon rides, and bungee jumping. Alternatively, check to ensure that adventurous activities are not excluded from the claims.

MSIG TravelEasy Elite

[ Win a Rolex, FREE Travel Insurance & More!    | MoneySmart Exclusive]   • Enjoy up to   40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).   What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .   Increase your chances of winning when you refer friends  today. T&Cs apply.

COVID-19 coverage of up to $300,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

6. Will pre-existing conditions affect my travel insurance?

One of the biggest travel insurance stories in 2017 was when a Singaporean man had a heart attack in Tokyo and fell into a coma. The medical costs alone cost $120,000 and bringing him back to Singapore via medical evacuation would cost another $120,000.

Because the man had been diagnosed with heart failure in 2012, his insurer considered it a pre-existing condition and therefore no claim was possible. Currently, one insurer that covers pre-existing conditions is MSIG TravelEasy Pre-Ex travel insurance.

MSIG TravelEasy Pre-Ex Standard

7. When should I buy travel insurance?

There are many, many things that can go wrong when you’re travelling. Half of these things could happen even before you leave the country!

Waiting to buy your travel insurance policy on the day you travel (or worse, after you’ve already crossed into international waters) puts you at risk for travel inconveniences big and small like delays or postponement.

A good travel insurance policy also covers you for your entire trip being cancelled unexpectedly.

You should buy a travel insurance online as soon as you’ve planned your trip. Getting your travel policy as early as possible does not make you “ kiasu ”. It makes you smart.

This is because you’ll want to maximise the coverage you can get from the policy. For example, if you haven’t bought a policy yet and the travel agency you’re booking with closes down a week before your travel, you won’t be able to claim anything. The same goes for flight delays and flight cancellations.

There is no penalty for buying travel insurance earlier, except maybe missing out on promotions that often happen around the travel season. But what’s the point of saving a few dollars and risk losing hundreds due to cancelled flights and hotel deposits?

8. Buy single trip or annual travel insurance?

In the past, it made more sense to buy single trip travel insurance plans when you leave Singapore. That’s because in the past, most people only travel once or twice a year. With the greater nomad and remote working culture … and travels over long weekend, though? It might actually be more convenient to buy an annual plan for your travel insurance.

A good gauge to determine whether to choose between a single trip plan and an annual plan is to ask yourself if you’re going to be travelling more than three times a year . And we’re not just talking about weekend getaways either!

Whether you’re just going across the Causeway or travelling further overseas for work, an annual plan definitely makes more sense to your wallet.

Depending on how often you travel and how far you travel, it might be worthwhile to consider buying annual travel insurance .

If you are a frequent traveller, you not only save money by buying an annual policy, but you’ll never have to spend time buying insurance every time you fly overseas. Of course, just like single trip travel insurance, you should still compare the various policies online before you commit.

Annual travel insurance has a flat premium and covers you for an entire year of travel. It usually costs about $200-$300 a year, so only buy it it you are a frequent traveller. That is, it only makes sense if you are going to travel overseas more than 7-8 times a year, at least.

9. Why should I compare travel insurance before buying it?

Comparing allows you to choose the best travel insurance policy for your needs. You’ll be able to see at a glance what coverage policies have for various situations, such as medical costs, and compensation levels for lost, delayed and damaged baggage.

But of course, comparing travel insurance in Singapore allows you to see that the cheapest travel insurance policy may not be the best. This is because the cheaper policies usually have significantly less coverage, naturally. While that may be a good thing for some travellers – there’s no need to get a $1,000 coverage for lost luggage if you’re only bringing the bare minimum to a staycation in Bangkok, for example.

ALSO READ: Best Travel Insurance in Singapore: AIG vs AXA vs FWD vs NTUC

Are you headed overseas? Compare the cheapest travel insurance here .

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• Destinations
• Singapore Travel Insurance Requirements

Last updated: 03/07/2024

As of February 13, 2023, Singapore no longer requires visitors to obtain a travel insurance policy that covers Covid-19. However, getting a comprehensive travel insurance policy that covers medical emergencies, cancellations, and delays is still strongly recommended to all travelers.

Squaremouth’s Singapore Travel Insurance Recommendations

Squaremouth recommends a policy that offers Emergency Medical coverage with at least $50,000 for international destinations. Squaremouth also recommends travelers have at least $100,000 of Emergency Evacuation coverage as well. All medical policies through Squaremouth offer both Emergency Medical and Emergency Evacuation coverage.

Many travelers visiting Singapore have high prepaid and nonrefundable trip costs. Due to these high trip costs, along with the required medical benefits, Squaremouth recommends travelers purchase a policy with Trip Cancellation coverage. This benefit can reimburse 100% of the traveler’s prepaid and nonrefundable trip expenses if they need to cancel for a covered reason, such as unforeseen illness or injury. Travelers can also be covered under this benefit if they contract Covid-19 before leaving for their trip.

Squaremouth also recommends the Travel Delay benefit providing coverage for the significant travel involved getting to Singapore. Travelers can be covered up to 150% of the trip costs if their flight is delayed, and they miss out on a portion of the trip. It also can cover other reasonable expenses such as food and hotels, as well as required quarantines because of Covid-19.

The most common traveler concern is having to quarantine at their destination. The Travel Delay benefit can typically provide $150 to $200 per day for all covered travelers for required quarantine expenses such as accommodations and food. It can also provide reimbursement for rebooking a different flight home.

Click here to begin your search for Singapore Travel Insurance.

Singapore Travel Insurance Trends and Data

Singapore is well-loved for its pristine cities, amazing food, and mix of cultures living in the country. Travelers love shopping at Orchard Road and visiting the Hawker Centers to try the range of delicious street foods.

Destination Rank: 62

Percentage of Squaremouth Sales: 0.31%

Average Premium: $435.54

Average Trip Cost: $5,934.66

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Resources

• Singapore Travel Advisory Information

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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SAFE TRAVELS START WITH SINGAPORE'S BEST COVID-19 TRAVEL INSURANCE

Protect Yourself with Singapore’s Best COVID-19 Travel Insurance

Important Notice

The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories, and to Iceland. Please click here if you intend to or have purchased a travel plan to these areas.

current promotion

Purchase your travel insurance policy with HL Assurance and you’ll have the chance to win a flight ticket of your choice to your dream destination. The more you purchase, the more points you earn and the more chances of winning! Terms apply.

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd th customer + 1 buddy + ncd-->.

Be protected from COVID-19 with the new travel insurance offer in Singapore – COVIDSafe Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 under our travel protection plan, but we are also now rewarding you with No Claim Discount. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. This travel insurance annual promotion in Singapore could be better value than buying single trip insurance for each holiday! Take advantage of our best annual travel insurance promotion and discounts today!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose Our COVID-19 Travel Insurance in Singapore?

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that offer secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

24/7 COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.

Best COVID-19 Travel Insurance Coverage

Travelling during a pandemic can be stressful, not knowing if your insurance plans provide proper coverage. With our enhanced COVIDSafe Travel Protect360 Insurance, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.

Enjoy No Claims Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase with HL Assurance.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our comprehensive COVID-19 travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences! Buy your travel insurance online today.

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind. COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 30 June 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2021 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

• The promotion is held from now until 30 June 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: can i continue my medical treatment for injury or sickness sustained overseas when i return to singapore.

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our travel insurance policy does not cover any pregnancy-related issues.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: Are adventure activities and indoor / outdoor sports covered by COVIDSafe Travel Protect360 insurance?

A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings .

Q: Is there a waiting period for COVIDSafe Travel Protect360 Insurance coverage to take effect?

A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).

Q: How to buy travel insurance from HL Assurance?

A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.

Q: Can I extend my travel insurance coverage if my trip is extended?

A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.

Q: Can I buy travel insurance after departure?

A: Generally, travel insurance should be purchased before your trip commences.

Q: Can I cancel my travel insurance policy if my plans change?

A: You may cancel the Policy before the start of your trip with administrative charges applicable.

Q: Annual Trip Insurance vs Single Trip Insurance - Which is better?

A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway GP clinics?

A: The list of Healthway GP clinics can be found here . Special rates will apply for COVIDSafe Travel Protect360 renewal customers only.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway Dental clinics?

A: The list of Healthway Dental clinics can be found here . Special rates will apply for COVIDSafe Travel Protect360 renewal customers only.

Q: Does COVIDSafe Travel Protect360 Insurance cover me if I travel to multiple countries?

A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here .

Q: What does COVIDSafe Travel Protect360 Insurance cover?

A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.

All plans cover the following travel benefits:

• Overseas Medical Expenses (Child, Adult, Senior / Elderly)
• Medical Expenses in Singapore
• Personal Accident: Accidental Death & Permanent Disablement
• Travel Inconvenience
• Travel Postponement
• Travel Misconnections
• Insolvency of Travel Agency (Excluding Basic Plan)
• Trip Disruption
• Flight Inconvenience and Diversion
• Hijack of Common Carrier
• Kidnap & Hostage (Excluding Basic Plan)
• Personal Liability
• Loss of Home Contents
• Credit Card Protections (Excluding Basic Plan)
• Rental Car Excess
• Enhanced Medical Benefits due to COVID-19 (Excluding Basic Plan)
• Enhanced Travel Inconvenience, Cancellation, Postponement or Curtailment due to COVID-19 (Excluding Basic Plan)

Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents required for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport, etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).

Thank you for insuring with us.

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Singapore travel insurance guide (2023): what you need to know.

Singapore Travel Insurance Guide

Traveling is a favourite pastime among Singaporeans, despite our love of wanderlust, many of us tend to overlook travel insurance.

Travel insurance is often overlooked by many Singaporeans, as few make the effort to purchase it in advance. Fewer still compare policies to find the most suitable one for their needs. If you are planning to buy travel insurance in Singapore, here is everything you should look out for before making your decision:

1. What does travel insurance cover for you?

It is important to select a travel insurance policy that covers you for a wide range of situations, from the smallest inconveniences to the most severe.

As a matter of fact, I would advise you not to put yourself in a position where you would not be covered. The inconvenience could be as minor as having your luggage delayed and having to spend at least one night in the same clothes you wore on the whole flight in case your luggage is delayed. It could also be a medical emergency that requires immediate attention. For example, getting stung badly by a bee on a remote island adventure and needing medical attention immediately.

Almost all travel insurance in Singapore these days automatically includes Covid-19 coverage as part of the package. This means that if you get Covid-19 while on your travels, you will be able to claim it from your travel insurance. Allianz Travel Insurance has it at a discounted rate of $21.60 after the discount.

In addition, it is important to make sure that you have coverage for everything from lost and delayed luggage, flight delays, and cancellations to medical treatment, medical evacuation, and even repatriation in the event of death or serious illness. The claim limits for each of these different situations are, of course, different.

There are also a few other things that travel insurance can cover. These include reimbursing deposits if your travel agent falls out of business, or if your credit card is used fraudulently overseas. It is possible for some policies to pay you if you are kidnapped while you are abroad! Moreover, the best part about buying travel insurance is that it is relatively cheap and convenient to do so.

2. Insurance for travel – how to choose the right one

When there are so many different benefits to be found in a travel insurance plan, it can be difficult to determine if a particular plan is worth the money you’re paying for it. For common travel hiccups, it is important to check in advance about how much you can expect to be reimbursed.

You should find a travel insurance company that covers flight delays and cancellations: There is a high possibility of flight delays occurring more often than you think. It can be extremely inconvenient for you if this happens, especially if it ends up causing you to miss your connecting flight as a result. Make sure that your policy covers you for a reasonable amount of time so that you are covered in the future. For instance, if your flight is delayed for six consecutive hours, some policies will pay you $100 if you are delayed for six consecutive hours. As a general rule, there is usually a cap of $200-$500 for travel delay insurance.

It is very important to make sure that your policy covers you well in the event of lost or delayed baggage. Several policies provide benefits if your baggage is delayed for six consecutive hours, including Bubblegum Travel Insurance, which will reimburse you $100 per hour. The two policies also cover lost or damaged baggage up to a maximum of $3,000. Don’t forget to pay attention to the maximum amount you’re insured for.

There is no such thing as predicting what might happen on your trip so it is always a better idea to be safe than sorry when it comes to medical coverage overseas. A good travel insurance policy should cover you for at least $200,000 in overseas medical coverage, as well as unlimited coverage for emergency medical evacuation and repatriation in the event of an emergency medical emergency. The Starr TraveLead Insurance policy is one of the policies that fit the bill in terms of coverage.

If you are looking for travel insurance that covers Covid-19 expenses, your policy should be able to cover a range of expenses that you may encounter during your travels (and even before you fly!). It is very important to check whether the travel insurance policy covers cancellations and postponements of trips, as well as medical expenses resulting from Covid-19. An added bonus is the ability to receive a cash allowance while in quarantine abroad. Suppose you are quarantined overseas due to Covid-19, for example, AIG Travel Guard® Direct – Enhanced covers you for $100 per day for 14 days in the event that you are quarantined.

3. Travel insurance prices in Singapore

Buying travel insurance in Singapore is considered to be a very price-sensitive activity and sometimes insurers are competing to decrease the premiums of their policies by even a dollar, in order to make them more appealing.

If you want to find a lower-cost plan, one of the ways to do this is to check which insurance companies offer regional travel insurance. As an example, if you are planning to travel solely to Thailand, it is usually cheaper to get a policy that covers only the countries of the SEA or Asean region, rather than a policy that covers all the countries of the world.

Despite this, price is not the only factor to consider-especially since cheap insurance policies tend to have significantly lower coverage than their premiums.

When it comes to buying travel insurance, it is important to remember not only the cost of the policy but other elements as well. As well as considering the amount of coverage you are eligible for, and the speed at which your claims will be processed, there are a few other factors to consider, as well. As soon as you have decided to file a claim, remember to avoid waiting until the next blue moon before you are able to see the results of your claim, especially if you are planning to file a claim this year.

4. Travel insurance in Singapore: which one?

In the same way that any other purchase you make, the best travel insurance is the one that provides the most value for your money. Imagine, for example, that you are only traveling to Malaysia for a weekend shopping trip and have nothing else planned.

As a frequent traveler, you are probably traveling light and do not need as much coverage for loss of luggage as $3,000, even if you can pay just $3 more for significantly more protection. Make the most of that $3 and treat yourself to all the Teh Tarik you can consume!

It is important not to be too stingy and buy only the cheapest products as we discussed earlier. In terms of claims, the cheapest insurance may come with quite a few terms and conditions attached to it.

It is possible, for example, that an insurer would not cover delayed luggage if the luggage has only been delayed when returning to Singapore. Even so, if this is the only inconvenience you face on your entire trip, you might be understandably upset that you cannot claim for it since it is the only inconvenience you are experiencing.

You should read the terms and conditions of your preferred insurance policy carefully so that you do not fall victim to any surprises later on. When it comes to pre-existing medical conditions, this is of particular importance.

5. Common Travel insurance mistakes

What’s the best way to buy travel insurance that meets our needs? Travel insurance mistakes to avoid:

Buying the most convenient travel insurance: Do you just buy the first policy you see on Google? Ensure that the coverage provided is adequate for your needs or covers the risks of your destination, e.g. personal belongings and medical coverage.

Buying travel insurance at the last minute: Do you often buy your travel insurance while waiting to board your flight? Better late than never. You should be aware that some of the benefits of travel insurance are only applicable if you buy it in advance.

Buying travel insurance for only the days you are overseas: Should you purchase travel insurance only for those days? No. Include flights to and from your holiday destination. In the event of baggage delays, loss or damage, or overbooking of flights, you can make a claim. Do take into account the +1 or +2 days that it takes your flight to reach Singapore for long-haul trips.

Reading your travel insurance policy: Not all travel insurances are the same. Check your policy document for what’s included and excluded, claim limits, and how to make a claim.

Travel insurance is a one-size-fits-all proposition: Be sure that the travel insurance you are considering covers adventurous activities such as skydiving and scuba diving.  MSIG TravelEasy Elite covers sky diving, hot air balloon rides, and bungee jumping. In alternative, check whether adventurous activities are included.

6. Travel insurance and pre-existing conditions?

One of the biggest travel insurance stories in 2017 was when a Singaporean man suffered a heart attack in Tokyo. Bringing him back to Singapore via medical evacuation would cost another $120,000.

He was denied a claim since his insurer considered his heart failure a preexisting condition. One insurer that covers pre-existing conditions is NTUC Income.

7. When should I buy travel insurance?

There are many things that can go wrong when you travel. Before you leave the country, half of these things could happen!

Buying travel insurance on the day you travel (or worse, after you’ve already crossed into international waters) puts you at risk for travel inconveniences big and small.

It also covers you in the event of an unexpected cancellation.

Once you’ve planned your trip, buy travel insurance online. The early purchase of a travel policy does not make you kiasu. Makes you smart.

Your goal is to maximize the policy’s coverage. The travel agency you’re booking with may close a week before your travel if you haven’t bought a policy yet. The same goes for flight delays and flight cancellations.

There is no penalty for buying travel insurance earlier, except maybe missing out on promotions around travel season. What’s the point of saving a few dollars and losing hundreds due to cancelled flights?

8. Travel insurance for one trip or annual?

It used to make more sense to buy single-trip travel insurance when you left Singapore. In the past, most people only traveled once or twice a year. In this culture of nomadism and remote working while traveling… and long weekends? Travel insurance may actually be more convenient if you buy an annual plan.

Ask yourself if you travel more than three times a year to decide whether to choose a single trip plan or an annual plan. Weekend getaways aren’t all we’re talking about!

An annual plan definitely makes more sense to your wallet, whether you’re just crossing the Causeway or traveling abroad.

It might be worthwhile to consider travel insurance based on how often and how far you travel.

Buying an annual policy saves you money, and you won’t have to buy insurance every time you fly overseas. You should still compare the various policies before you commit, just as you would for single-trip travel insurance.

Annual travel insurance offers a flat rate and covers your entire year. It costs about $200-$300 a year, so only buy it if you travel frequently. Traveling overseas more than seven or eight times a year, at least, makes sense.

9. Is it worth comparing travel insurance?

By comparing travel insurance policies, you can choose the policy that best suits your needs. A glance at coverage levels for medical costs, lost, delayed, and damaged baggage will help you determine what policies have to offer.

Comparing travel insurance in Singapore reveals that the cheapest policy, however, may not be the most effective. Usually, cheaper policies provide less coverage. Loss luggage coverage isn’t necessary if you’re only bringing the bare minimum to a Bangkok staycation.

(Credits: Bigstock, SMU)

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Travel Insurance for a Trip to Singapore (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Singapore as expected.

in under 2 minutes

Jessica Bergin is a Barcelona-based Australian writer who has worked in the travel industry for half a decade. Her passion for adventure, travel, culture and lifestyle has helped her navigate a successful career in the writing industry, including for World Words.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re a seasoned traveler or it’s your first time abroad, having travel insurance for a Singapore vacation can be beneficial. From trip cancellation protection to medical expense coverage, travel insurance can help reimburse nonrefundable costs if your plans go astray.

We at the MarketWatch Guides Team have reviewed the best travel insurance companies and compiled what to know about travel insurance for Singapore, including advantages and costs.

Compare Singapore Travel Insurance Companies

Compare the best Singapore travel insurance companies with the table below:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Singapore?

As of February 2023, Singapore has eased up on COVID-19-related travel insurance requirements. Visitors are no longer required to obtain travel insurance before entering the country, but the government still highly recommends it.

In case things go wrong, having travel insurance coverage can provide an added layer of security. A comprehensive travel insurance plan may cover emergency medical expenses and assistance, lost or delayed baggage, unexpected trip cancellations and flight delays.

Singapore is known for outdoor adventure activities like kayaking, scuba diving and hiking — and travel insurance can offer peace of mind when you’re exploring the great outdoors. Most plans include emergency medical coverage if you sustain injuries while traveling, and some policies offer protection for sporting gear.

But every traveler is unique and will require different coverage. Whether you’re an adventure aficionado or a business traveler, there’s an insurance plan that’s right for you. Here are the most common travel insurance coverages:

Cancel for Any Reason Coverage

Cancel for any reason coverage , also known as CFAR, allows you to claim reimbursement if you cancel your trip for reasons not listed in your insurance policy. CFAR coverage is advantageous for travelers who might need to cancel their trip for unconventional reasons.

When compared to standard travel insurance, CFAR coverage is more flexible. However, it can be more costly and doesn’t always cover you completely. There are a handful of rules to qualify for coverage, including:

• You may have to cancel at least 48 hours before your departure date.
• You need to buy CFAR coverage within a certain number of days after booking your trip.

Gear Theft Protection

Singapore has some of the highest safety rankings in the world . Nevertheless, backing yourself with gear theft protection can still be a wise choice, especially if you’re traveling with valuable personal belongings, travel documents and credit cards.

Travel insurance can help cover you in case your items are lost, damaged or stolen. Although travel insurance policies include predetermined cost limitations and exclusions, coverage is worth considering if you wish to bring the following:

• A laptop, tablet or smartphone
• Professional camera and equipment
• Sports equipment (like a kayak)

Note that, due to sub-limits on some policies, your policy may not cover the full value of your items. Review your policy documents, including the product disclosure statement, to ensure you are protected. If not, you may want to consider leaving some of your more valuable items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

If you encounter health complications during your trip, having travel insurance with medical emergencies and evacuation coverage can make a big difference.

In Singapore, the smog and tropical heat may negatively affect some travelers . Be sure to declare any pre-existing medical conditions like high blood pressure, asthma or skin conditions when booking your trip insurance.

Travel insurance for medical emergencies can cover a variety of scenarios, from viral outbreaks to unforeseen medical treatments. Keep in mind that your U.S. health insurance card may not provide coverage abroad, even if you have a private plan. If things go awry, you’ll have peace of mind knowing you have medical protection with travel insurance.

For medical emergency coverage, a standard travel insurance policy may include:

• Hospital admission fees
• Operations and operating room fees
• Ambulance fees
• X-rays and lab tests
• Dental costs

Travel insurance companies also usually include coverage for emergency medical evacuation and repatriation. In recent years following the pandemic, medical insurance has become a consideration for many American travelers.

Some companies also offer medical coverage for sports and adventure enthusiasts. Overseas medical expenses and treatments can add up, especially if you’re into extreme sports.

Rental Car Protection

Singapore requires car rental companies to have insurance . In most cases, rental car insurance in Singapore covers the vehicle in the event of traffic accidents. Most car rental companies opt for a basic collision damage waiver coverage that comes with limitations. Two important factors to look out for include:

• Most car rental companies will choose to opt for a higher excess, or what you will have to pay when making a claim.
• The majority of companies will only cover car use in Singapore.

Check your insurance policy before driving a Singapore rental car into other countries. For example, you may not have coverage if you drive a vehicle from Singapore to places like Hong Kong, Brunei, Cambodia or Malaysia.

If you’re traveling to Singapore and planning to rent a car, you can also purchase travel insurance with rental car coverage for extra protection. Some types of rental car coverage include:

• Collision damage waiver
• Theft protection
• Third-party liability
• Personal accident insurance

Trip Cancellation Insurance

Trip cancellation insurance can reimburse you in the event of unforeseen circumstances while traveling. This type of travel insurance covers cancellations for the following reasons:

• Death of a traveling companion or immediate family member
• Diagnosis of a serious medical condition or injury
• Natural disasters or dangerous weather conditions
• Domestic or international acts of terrorism
• Legal obligations like jury duty

Trip cancellation insurance is mostly limited to the above reasons. For more flexibility, it’s best to opt for CFAR coverage.

How Much Does Singapore Travel Insurance Cost?

The cost of travel insurance can vary depending on your coverage preferences, age and desired destination. Whether you’re searching for single-trip plans or annual multi-trip coverage, there are multiple providers to consider. And if you are on a budget, cheap travel insurance options are available.

To receive a quote from a travel insurance provider, you’ll be required to submit the following information:

• Destination country
• Your home location
• Age group and the number of travelers
• Total trip price

To offer insight into typical costs, we gathered quotes from five different travel insurance providers. We based the following prices on a 30-year-old traveler from California to Singapore for two weeks, with a total trip cost of $4,000.

*Note: We collected the above quotes from each company’s website in May 2023. Plans include coverage for trip cancellation, trip interruption, medical emergencies and baggage delay or loss. 

How Do I Get Travel Insurance for Singapore?

There are a few things to consider before purchasing a travel insurance plan for your trip to Singapore. First, it’s worth seeing if your current health insurance plan or credit card offers any overseas coverage. We also recommend you check to see if your health insurance extends to medical emergencies abroad.

Compare various insurance options and consider factors like COVID-19 coverage, medical expenses, emergency assistance, trip cancellation and travel delays. For example, most major airlines offer travel insurance when booking flights, but coverage may not include specific medical emergencies.

Remember, full reimbursement isn’t always guaranteed, so carefully review policy wording and disclaimers. Familiarize yourself with coverage exclusions and consider add-ons to enhance your travel insurance coverage.

Singapore Safety Tips

Singapore is considered one of the safest countries for travel . Whether you are traversing this modern, metropolitan city-state as an experienced traveler or a first-timer, here are some things to take into account:

Crime and Safety

Crime rates are relatively low in Singapore. However, petty crime can still happen in major tourist areas, hotel lobbies, airports and public transportation facilities. Keep an eye out for pickpocketing and theft and, if possible, keep your valuables stored in locked safes when not in use.

Day Trips, Tours and Excursions

There are plenty of options for travel from Singapore, whether you are planning a day trip to Malaysia or a longer stay in Indonesia or Thailand. If you’re planning an active activity, make sure your travel insurance plan covers medical expenses and emergency assistance.

As of February 2023, the Singapore government has lifted all restrictions regarding COVID-19 .

The country does not require COVID-19 coverage and vaccinations for international air travelers. You also do not need to show a vaccine passport to return to the U.S.

In case of an emergency when traveling in Singapore, call the U.S. Embassy hotline at +(65) 6476-9100.

Is Travel Insurance for a Singapore Vacation Worth It?

Although travel insurance for a Singapore vacation is not mandatory, it comes with many benefits. Standard insurance may cover you for lost baggage, medical emergencies, flight postponements or other travel inconveniences. Or you can opt for more comprehensive coverage, which could include protection for valuable items like cameras and sporting gear.

Travel insurance can also offer peace of mind if you have to cancel your trip due to unforeseen circumstances. Plus, there are many add-on options to improve your travel insurance coverage — like CFAR or rental car coverage.

Ultimately, it’s up to you if travel insurance is worth it for a vacation to Singapore. We recommend comparing quotes and general information from at least three travel insurance companies before purchasing a policy.

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

The U.S. does not always require airlines to compensate you for delayed or canceled flights. Most major airlines have limitations that only allow refunds if cancellations are the airline’s fault or due to overbooking. However, travel insurance offers reimbursement for nonrefundable costs, such as airline tickets, for certain trip cancellations.

Do you need travel insurance for Singapore?

You are not required to have travel insurance to enter Singapore. But purchasing travel insurance can offer policyholders peace of mind in knowing their trip is protected against unexpected events.

Do tourists get free health care in Singapore?

Travelers do not receive free health care in Singapore. But medical expenses can add up if you need treatment while abroad. Travel insurance can help cover emergency medical expenses while in Singapore. Or you can check to see if your health care extends to emergency care while traveling.

Can I buy travel insurance after I depart for Singapore?

No. To claim reimbursement, you need to purchase travel insurance before your departure date.

Best Travel Insurance Plans in Singapore

By irvin yap.

We will protect our health and car by purchasing medical and car insurance, but why do we often overlook travel insurance when planning a trip?

If we faced illness or injury, cancelled flight, lost luggage, or even death during the trip, were you concerned before? If we encounter these accidents, what will protect our loss or what values to leave for your family?

Therefore, travel insurance is the safeguard for us to prevent the unfortunate situation from becoming worse. The Singapore Business Review shows that more than 80% of Singaporeans have been willing to buy travel insurance for their trip since 2022. Why don’t you take this action also to give a safeguard during your journey?

Table of Contents

Compare The Best Travel Insurance Plans 2023

Best for coverage & benefit, best for pre-existing medical conditions, best value for annual plan, best for asean destinations, best for asia destinations, best for global destinations.

Allianz Travel

Allianz Travel has different travel policies for customers: Bronze, Silver, and Platinum plans. There are single trips and annual multi-trips options, and all plans provide the necessary medical coverage, only different from the coverage limit.

Referring to the table above, the silver and platinum plans provide the same medical coverage and cover for COVID-19. If you are looking for the best coverage and benefits on a single trip or the best annual travel insurance in Singapore, you must consider the plan of Allianz Travel.

Singlife is a notable travel insurance company in Singapore, their plan was valuable, the same as Allianz Travel. Singlife provides Travel Lite, Travel Plus, and Travel Prestige with different prices and coverage limits to meet customers’ needs.

By checking the table of best coverage & benefits, you may notice the accident or death coverage of Singlife is much higher than that of Allianz Travel. Still, other coverage is less than Allianz Travel. It is an option for customers to choose which is more priority.

MSIG has 3 plan types for customers: standard, elite, and premier. These 3 plan types are available to individuals, groups, and families, and single-trip plans have no upper age limits. Although MSIG doesn’t provide unlimited medical coverage, S$ 1.5 million is enough for travellers who prefer a single trip.

Besides, MSIG is one of the insurance companies that provide a better offer for Pre-existing medical conditions. MSIG has provided COVID-19 coverage and a wide range of travel insurance coverage to all pre-existing medical conditions customers.

Income Insurance

Income Insurance is one of the travel insurance companies in Singapore that provides protection for Pre-existing medical conditions customers. They also provide the single trip and annual multi-trip, and the 3 plan types are classic, deluxe, and preferred. No matter your preferred price range, Income Insurance must have 1 plan to meet your needs.

By referring to the Best for Pre-Existing Medical Conditions table, you can notice that Income Insurance provides higher coverage than MSIG. However, the policy of pre-existing medical conditions capped the age limit below 70 years old.

Etiqa travel insurance was notable in Singapore, its travel insurance coverage is worth it for you. Whether you are planning to travel to ASEAN, Asia, or Worldwide travelling.

Etiqa travel insurance is the average price compared to all travel insurance Singapore, and each coverage type limit was higher. With an average price, Etiqa can provide high-limit coverage and COVID-19 coverage to let you rest assured to travel.

HLAssurance

You may not be familiar with HLA, but you must recognize the Hong Leong Bank. Hong Leong Bank is passionate about the insurance industry, including travel insurance Singapore. They provide a valuable travel plan for customers with single-trip and annual multi-trip.

If you try to search for the best travel insurance Singapore or the best travel insurance, you may notice the plan of HLA is on the list. Although the medical coverage limit of HLA is less than Etiqa, HLA has increased other types of coverage limits for customers.

FWD is another notable travel insurance company in Singapore, there are 3 plan types,: premium, business, and first. Whether you are a frequent or infrequent traveller, the FWD travel insurance plan has provided the best offer for you on Asia and Global destinations.

FWD was the insurance company that provided the highest coverage limits on each type of coverage compared to other travel insurance Singapore. The medical coverage is up to S$ 1 million with their first plan.

Budget Direct

Budget Direct aims to provide the most budget travel insurance plan for Singaporeans. You can enjoy S$30 for a single-trip to global destinations, which is the lowest price in Singapore.

Moreover, the annual multi-trip costs S$136, the lowest price in Singapore. Budget Direct provides the lowest premium, but they don’t provide cancellation, trip delay and COVID-19 coverage. Besides, the medical and accident/death coverage is limited to S$50,000.

Top Picks from Experts for Each Category

Let’s summarise each category based on our picks to let you own the best travel insurance in Singapore.

The Singlife Prestige plan is the top pick for those who prioritise coverage & benefits. At a valuable price, Singlife provides unlimited medical coverage and other high-limit coverage types.

Income Insurance has provided the advantage of the coverage limit for Pre-Existing Medical Conditions compared to other travel insurance companies. Those looking for a Pre-Existing Medical Conditions plan must be concerned about medical coverage, and Income Insurance provides the S$500,000 medical limits to let you rest assured to travel.

If you are looking for an annual travel plan, you must check the Singlife Plus plan . Singlife provides a higher coverage limit on single-trips and annual multi-trips.

If you travel to ASEAN, Asia or Global, FWD and Etiqa will be your best travel insurance. Both of them are providing a higher coverage limit at a reasonable price.

How to Choose The Best Travel Insurance?

Travel insurance is a critical aspect to consider when planning your trip. Since there are various plans from various insurance companies, you may be confused about choosing the best travel insurance in Singapore.

Here is a simple guide to help you in making the wise decision on how to choose the best travel insurance:

1. Assess Your Needs

To find your best-fit travel insurance, you must understand your needs. There is no 1 plan that can be the best fit for everyone since the criteria for each other are different. Let’s list some factors to help you determine which type of travel insurance you need.

Considering Your Medical Coverage

Let’s think about what is the major aim for you in buying travel insurance. Can you obtain compensation when your flight cancellation or trip is delayed? Or did you need medical coverage in a country with high medical costs to deal with accidental?

This is the scenario for you: When you are going on your cosy trip to Hawaii and doing some water activities, but unfortunately, your legs are broken due to the accident. According to the statistics, to fix a broken leg can cost up to $7,500 , and the average cost of a 3-day hospital stay is around $30,000, so can you afford these expensive medical costs during travel in the US?

The accident is unpredictable, the only thing we can do is have a solution plan to handle when the accident happens. Therefore, medical coverage must be considered when choosing your best travel insurance.

Type of Trip

Are you going on a short vacation or an extended backpacking adventure? The trip duration is crucial for determining whether you must purchase the annual plan or a single trip.

Besides, the trip’s location is a factor you must be concerned about. Most travel insurance companies in Singapore have category travel insurance plans by Asia and worldwide, not including Canada & US and Worldwide but included Canada & US. If you purchase the wrong travel insurance plan, it is useless to hold the travel insurance plan.

Activities During Your Trip

Other than the type of trip, the activities during your trip are crucial. Not all travel insurance in Singapore covers risky or adventure activities such as scuba diving or mountain trekking. If these activities are planned in your trips, you must ensure your travel insurance is covered.

2. Read the Fine Print

I believe most people don’t have the behaviour to read the terms and conditions or the fine print of insurance due to the insurance policy being too many words and complicated to understand.

Hence, you may be unable to claim your insurance, and you don’t even know the reason for being unable to claim. Here are the details you have to know for choosing your best travel insurance.

Understand the Coverage Details

You could be lazy to read the whole insurance policy, but you must be able to ask your insurance agents some questions. For example, “What is the travel insurance coverage” and “What does the travel insurance cover for and what is not covered for”.

In this modern era, getting travel insurance information and comparing it to a different plan is easy. After researching, you will better understand your travel insurance coverage details. Moreover, the more coverage details you know, the more protection you will gain during your trips.

Know the Claim Process

Understanding the claim process is also important, same as the coverage details. Coverage details are ways to protect our privileges, and the claim process is the way for us to ask for what we deserve, like compensation.

If you purchase with an insurance agent, he/she is responsible. Congratulations! your insurance agent will help you to complete the claim process and get the compensation you deserve.

If you don’t have an insurance agency, you have to handle your own claim. Also, you don’t know how the claim process works, so it may take a long time to finish.

The claim process will be complicated due to the various documents needed to prove it, and it will cause you to take several times to submit the documents.

Exclusions of Your Insurance

As for the coverage details, you must understand your travel policy’s exclusions clearly. There might be some exclusions on your travel insurance. For example, if you have drug behaviour or excessive drinking, it will be the exclusions reason to exclude your claim.

3. Consider Annual Multi-Trip Insurance

After the Covid-19 pandemic, most Singaporeans are planning a few time vacations. If you are the person I mentioned, you may seek the best travel insurance in Singapore. Then consider the annual multi-trip insurance.

Annual travel insurance is quite similar to single-trip travel insurance, but it is worth it for those people who travel more than 1 time. With annual travel insurance, you can save time on purchasing travel insurance for every trip.

Besides, the price of the annual multi-trip travel plan might be more economical than buying separate policies for each trip. For leisure or business, the annual travel insurance is the best choice if you’re a frequent traveller.

Types Of Travel Insurance Coverage

Various types of travel insurance coverage are available, catering to the diverse needs of travellers. I will list the details for each type of travel insurance coverage to help you find the best travel insurance in Singapore.

1. Emergency Medical Expenses Coverage

This is the most important coverage in travel insurance. It will help to cover unforeseen medical costs incurred while travelling, especially essential for destinations with high medical care expenses. You may need to seek higher medical expense coverage as your priority factors on your best travel insurance.

2. Trip Cancellation and Interruption Coverage

This is another privilege for the insured. If unforeseen circumstances force you to cancel or cut your trip short, this coverage will compensate for prepaid, non-refundable expenses.

The scenarios can be personal illness, death in the family or other emergencies. The compensation varies for different plans, and you can also consider this coverage to have a solution for unforeseen circumstances.

3. Lost Luggage and Personal Belongings Coverage

All accidents may happen to you, and travel Insurance is doing its best to protect your assets. Travel Insurance has set this coverage to compensate its customers for lost, stolen, or damaged personal items during the trip.

Besides, travel insurance in Singapore has some limitations on the compensation. There may be limited reimbursement amounts for specific categories of items, such as electronics or jewellery.

4. Flight Delay and Missed Connection Coverage

This is a very simple coverage detail, the travel insurance in Singapore will compensate for additional expenses incurred due to delayed or missed flights, such as meals, accommodation, and alternative transportation.

5. Special Activities and Sports Coverage

Most original travel insurance plans do not cover risky activities and sports. For example, scuba diving, skiing, or mountain climbing.

If you are willing to have this coverage, you are allowed to add on this additional coverage. Once your request is accepted, you will be covered for the special activities and sports. Relatively, you have to pay more premium for your travel policy.

Single-trip vs. Annual multi-trip plan: Make the right choice

Before choosing the best travel insurance, let’s find out the details of single-trip and annual multi-trip plans to determine which one you should pick.

Here is the comparison table between single-trip and annual multi-trip plans.

Single Trip vs. Annual Travel Insurance Cost Comparison

To make the right choice on a single trip or annual multi-trips plan, you must determine whether you are a frequent or infrequent traveller.

According to the travel insurance cost comparison, it is only different for the amount you have to pay. Therefore, I recommend that frequent travellers choose annual travel to save costs and time. On the contrary, a single-trip insurance plan is suitable and cost-effective for those infrequent travellers who will be travelling once or twice a year.

What to Take Note With Pre-Existing Conditions While Travelling?

Pre-existing conditions mean you have any disease or medical conditions before purchasing the travel insurance. This could include chronic illnesses, such as heart disease or asthma, as well as injuries from the past. You must consider how important the pre-existing condition might influence your travel and the policy.

1. Why Disclosure Matters

We must honestly disclose our medical conditions to the insurance companies before purchasing travel insurance. If you keep this information hidden, the insurance companies can reject your claim or refuse your policy.

Honesty to the insurance company is important, they have the right to refuse your policy after you notice you have hidden the medical condition. It also affected your trustworthiness in all the travel insurance companies in Singapore.

Not all pre-existing conditions are rejected by insurance companies, it will only cause your premium to be higher than usual. To ensure you have medical coverage during travel, the higher payment is worth it, better than getting a rejected claim or refusing your policy.

2. Travel Coverage of Pre-existing Conditions

Although the basic travel plan excludes pre-existing conditions, it will provide specialised policies to cater to these needs after you disclose your medical conditions.

Besides, the travel insurance companies may provide professional advice to you. For example, what to take note of during travel and what protection you can get overseas.

3. Necessary Medication and Documents Checklist

Ensure you have a copy of medical records, a sufficient supply of all your medications, and any special equipment you might rely on. Besides, you must check the regulations surrounding transporting medications across international borders to avoid the restrictions.

Once you prepare all the necessary documents, your medication can be brought even if restricted. Moreover, medical documents may save your life when you need to be hospitalised overseas.

How to Make Insurance Claim?

Although this is the knowledge we don’t wish to use, this is the crucial process all travellers must know. Therefore, we must understand how to claim to ensure you receive the compensation you’re entitled to. Here is the guideline on how to do it:

1. Gathering Necessary Documents

Gathering the necessary documents is the first step to initiating a claim for travel insurance in Singapore. Here, we recommend collecting the original copy as the necessary documents because most travel insurance companies in Singapore require the original copy.

The necessary documents can be photographic evidence of damaged belongings, receipts for unexpected expenses, or any formal reports, if required, such as a police or medical report. If medical assistance is needed, collect all relevant medical documents and invoices.

Besides, having a copy of your insurance policy helps you deal with the claim departments and saves time waiting for them to retrieve your policy details.

2. Filing the Claim

Once the necessary documents are in place, the next step is to file the claim. Moreover, you are available to download the claim form from their official website.

When filling out this form, it’s crucial to provide detailed and accurate information about the incident and the nature of the claim. Attach all the gathered documents to substantiate your claim, ensuring that the evidence aligns with what is stated in the form.

After completing the form and attaching the necessary documents, submit the claim to the insurance company using the method they specify: email, physical mail, or an online portal.

3. Follow-up and Settlement

After submitting the claim form, the travel insurance companies will take a few business days to process, and they will provide a reference or claim number for tracking purposes.

You must keep following the progress with the reference number in case the insurance company requests additional information or documents.

Once the company has finalised the assessment, you can check the claim state with the reference number. The claim can be successful or failure. If the claim is successful, you may receive direct payment, reimbursement, or repair/replacement of damaged items.

On the contrary, you have the right to know the reason if the claim is rejected. If unsatisfied with their reasons, you can leverage the company’s dispute resolution mechanism, which usually begins with an internal review and can be escalated if necessary.

You may be confused about choosing which travel insurance to buy in Singapore, but you must understand your needs before finding the best travel insurance in Singapore.

After reading this guide, you will have a greater understanding of insurance and be able to find the best travel insurance in Singapore.

**Disclaimer: This article is for informational purposes only and might not reflect current insurance offerings. Always consult with a qualified insurance professional and verify details before making decisions.

Frequently Asked Question

Which travel insurance is easier to claim.

Every travel insurance is easier to claim once you submit all the required documents.

How much is travel insurance for COVID in Singapore?

Usually, travel insurance in Singapore includes COVID-19 Coverage. For those whose travel insurance in Singapore did not include COVID-19, you may ask for an ad, and the price is not high.

What Does Travel Insurance Not Cover?

• Hidden medical conditions
• High-risk activities without adding on special activities or sports coverage
• Intoxication or drug
• Areas of warnings
• Cancel the trip due to changes of mind

Is it better to buy travel insurance early?

Yes, it is recommended to buy travel insurance as soon as you book your trip.

Do I need to get travel insurance?

While it’s not mandatory, travel insurance is highly recommended. It offers financial protection against unforeseen events, ensuring peace of mind during travel.

What travel insurance is best for seniors?

The pre-existing medical condition plan is best for seniors.

What is the oldest age for travel insurance?

Usually, the oldest age is capped below 70 years old, but some travel insurance in Singapore is accepted up to 85 years old.

Irvin Yap is a skilled writer focused on personal finance and insurance in Singapore. Known for simplifying complex topics, his...

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TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

• Get up to 30% off

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels.  Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel. 

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents. 

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19. 

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage. 

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments. 

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events. 

Complimentary benefits at no extra premium 2

Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:  

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at  https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. • Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services Hotline at +65 6708 7453 if you need emergency medical assistance while travelling.

Q39: How do I file for a claim?

To submit a claim, you can download a copy of our claim form here: https://giexchange-sg.greateasterngeneral.com/giexchange/pdf/Travel_Claim_Form.pdf. Claims submission should be filled in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1  COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2  Not applicable for Basic Plan.

• The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
• This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
• This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of bene­fits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg  or  www.sdic.org.sg ).
• TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

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Terms and conditions apply. 

*Promotion is valid from 1 April to 30 June 2024.

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