does singapore require travel insurance

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Quarantine-free Travel requirements to Singapore

We’ve been eagerly anticipating your arrival to our sunny shores! Singapore is open to all travellers without quarantine or testing requirements, regardless of their COVID-19 vaccination status.

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Covid-19 Insurance

Visitors entering Singapore, who wish to purchase travel insurance with Covid-19 coverage can refer to the list of insurance providers below.

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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Travel insurance for short-term visitors to Singapore no longer a must: CAAS

SINGAPORE - From Friday (April 1), compulsory travel insurance is no longer required for fully vaccinated short-term visitors entering Singapore.

This is applicable for those coming to Singapore under the Ministry of Health's General Travel Category countries or region by air, land and sea borders, said the Civil Aviation Authority of Singapore on Thursday.

Children aged 12 and below and not fully vaccinated are allowed to enter Singapore under similar measures as fully vaccinated adults.

Travel insurance was required previously to help ensure that short-term visitors will be able to pay for the cost of their medical treatment in Singapore should they be suspected of being infected with Covid-19 or require medical treatment for Covid-19.

The requirement was for a minimum coverage of $30,000 and could be purchased from insurers who are based in Singapore or abroad.

Singapore announced last Thursday that most Covid-19-related measures will be lifted for fully vaccinated visitors from April 1, with testing and quarantine requirements streamlined under a simplified Vaccinated Travel Framework.

Travellers are considered fully vaccinated only when they have received the full regime of World Health Organisation's Emergency Use Listing of Covid-19 vaccines at least two weeks prior to arriving in Singapore, and have met the minimum dose interval periods.

The latest information relating to requirements for travelling to, through and from Singapore are available at ICA's website.

Visitors looking to travel to Singapore can use the automated self-help tool on the page to determine the latest entry and health requirements based on the person's individual profile.

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New insurance coverage for inbound travellers to cover Covid-19 related costs in Singapore

SINGAPORE 18 November 2020 – Changi Airport Group (CAG) and the Singapore Tourism Board (STB), on behalf of the Emerging Stronger Taskforce Alliance for Action (EST-AfA) on Enabling Safe and Innovative Visitor Experiences[1], announced today that foreign visitors will now be able to buy inbound travel insurance coverage for Covid-19 related costs incurred in Singapore.

Inbound insurance coverage has been identified as a key enabler to facilitate the resumption of travel to Singapore. In line with the EST-AfA’s focus on public-private partnerships, CAG, STB and the General Insurance Association of Singapore (GIA) led an Expression of Interest (EOI) exercise to reach out to interested private sector insurers to provide such coverage.  In response to the EOI, three insurance companies, AIG Asia Pacific Insurance Pte. Ltd., Chubb Insurance Singapore Limited and HL Assurance Pte. Ltd., have developed travel insurance products which provide at least S$30,000 in coverage for Covid-19 related medical treatment and hospitalisation costs. A minimum of S$30,000 in coverage is recommended by the Ministry of Health based on Covid-19 bill sizes at private hospitals, which is where inbound travellers typically receive care for Covid-19. (Please see Annex for the list of insurers and their insurance plans).

Inbound foreign travellers entering Singapore via the various Safe Travel Lanes are required to bear the full cost of medical treatment, tests and isolation, should they be suspected of being infected with Covid-19, or require medical treatment for Covid-19 while in Singapore. With immediate effect[2], they will be able to purchase a travel insurance plan to help them cover some of these costs.

 “We have been actively engaging the insurance community since August this year, through an Expression of Interest (EOI) exercise[3], to develop inbound travel insurance products as Singapore progressively reopens. We noticed such products were not available in the market, and wanted to encourage insurers to develop such products and offer them to travellers at a reasonable price.” said Mr Lee Seow Hiang, Changi Airport Group’s Chief Executive Officer and co-lead of the Alliance.  

“With the gradual resumption of travel and the re-opening of borders, having robust travel insurance options in place is integral to ensuring a successful and sustainable revival of inbound travel to Singapore. The general insurance sector is committed to providing travellers visiting Singapore the protection they need to travel here with confidence.” said Mr Ho Kai Weng, General Insurance Association (GIA) of Singapore’s Chief Executive.

Earlier in September, the EST Alliance for Action on Enabling Safe and Innovative Visitor Experiences announced that it will be testing a prototype for safe tradeshows and exhibitions, as well as safe itineraries for event attendees. The new insurance products will complement this earlier work in resuming safe travel.

“As we gradually re-open for safe travel, Covid-19 insurance coverage is a key enabler to rebuild traveller confidence and provide peace of mind. We are heartened that the public and private sectors have come together to provide solutions, and we look forward to more collaborations that will help Singapore lead the way as a safe, trusted and innovative destination.” said Mr Keith Tan, Singapore Tourism Board’s Chief Executive.

Premiums for these inbound travel insurance plans start from S$5.35 (inclusive of GST) and can be purchased directly from the insurers through their respective websites.

[1] The Emerging Stronger Taskforce (EST), formed under the Future Economy Council (FEC) convened the Singapore Together Alliances for Action (“Alliances”), which are industry-led, government-supported coalitions that will act quickly by prototyping ideas on key areas for Singapore. The Alliance for Action on Enabling Safe and Innovative Visitor Experiences is one of them. Co-led by Mr Lee Seow Hiang of Changi Airport Group and Ms Kwee Wei-Lin of Singapore Hotel Association, the Alliance has worked closely with a diverse range of industry stakeholders and government agencies to explore and pioneer new ways to facilitate safe and innovative visitor experiences in a Covid-19 environment.

[2] Refer to Annex for each insurer’s expected sale date.

[3] CAG, on behalf of the Alliance,  appointed Willis Towers Watson (WTW) as the consultant of the EOI exercise,  where the objective was to invite licensed Singapore insurers to offer coverage to inbound foreign travellers’ Covid-19 related costs in Singapore.

About Changi Airport Group

Changi Airport Group (Singapore) Pte Ltd (CAG) (www.changiairportgroup.com) was formed on 16 June 2009 and the corporatisation of Singapore Changi Airport (IATA: SIN, ICAO: WSSS) followed on 1 July 2009. As the company managing Changi Airport, CAG undertakes key functions focusing on airport operations and management, air hub development, commercial activities and airport emergency services. CAG also manages Seletar Airport (IATA: XSP, ICAO: WSSL) and through its subsidiary Changi Airports International, invests in and manages foreign airports.

About Singapore Tourism Board

The Singapore Tourism Board (STB) is the lead development agency for tourism, one of Singapore’s key economic sectors. Together with industry partners and the community, we shape a dynamic Singapore tourism landscape. We bring the Passion Made Possible brand to life by differentiating Singapore as a vibrant destination that inspires people to share and deepen their passions.

More: www.stb.gov.sg or www.visitsingapore.com

About the Organisation

What industry does your organization fall within, what best describes the key intent of the project that your organisation is seeking funding for, is your organisation a singapore-registered legal entity, is your organisation an association, is the project able to achieve one or more of the following outcome.

• Increase no. of sailings to/from Singapore
• Increase no. of foreign cruise passengers to Singapore through sailings to/from Singapore
• Increase no. of pre/post nights for cruise passengers sailing to/from Singapore
• Increase capability of industry players via cruise-specific industry training programmes
• Strengthen the potential/ attractiveness of cruising in Singapore and/or Southeast Asia

Is the project able to achieve one or more of the following?

• Improve visitor satisfaction (especially foreign visitors)
• Increase footfall
• Increase revenue
• Significant branding and PR value

Is the project able to attract foreign visitors and contribute to foreign visitors' spend?

Who will be the main target audience of your project, is your project innovative and/or a new event in singapore with tourism potential, what best describes your project, does the event have proven track records in singapore or overseas, and/or growth in tourism value such as growing foreign visitorship, and/or enhancement of precinct vibrancy etc, does the project have a clear tourism focus (e.g. tourism-related trainings, tourism companies taking on capability development initiatives or technology companies creating technology products and services for the tourism businesses), what best describes your market feasibility study project.

Based on your selection, the following STB grant/s may be applicable for your project:

Please note that projects that have commenced prior to Singapore Tourism Board's offer may not be eligible for grant support. Examples where projects are deemed as having commenced include:

• Applicant has started work on the project e.g. tender has been called.
• Applicant has made payment(s) to any supplier, vendor or third party.
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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

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Singapore. The below quotes are for a 30-year-old traveler from Florida, traveling to Singapore for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

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.

If you have questions about this page, please reach out to our editors at [email protected] .

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Home » Southeast Asia » Singapore » INSIDER Guide To Singapore Travel Insurance – Must Read!

INSIDER Guide To Singapore Travel Insurance – Must Read!

Singapore is a jewel of a city that straddles modern and traditional sentiments. On the one hand, you have cutting-edge skyscrapers, vibrant light shows, and futuristic trees. On the other, you have a melting point of ancient and contemporary cultures. In the space of a few hours, you can explore one of the most thriving Chinatowns on the planet, sip chai in Little India, and listen to the call to prayer on Arab Street. Then after that you can hit the neon-lit bars and toast a Singapore Sling with hip young Singaporeans!

The sovereign city-state has attracted an influx of ex-pats to further shake up the population. What was once a nation that terrified broke backpackers with its eye-watering prices is now an integral part of any South East Asia trip. This ‘Garden City’ is a total breath of fresh air, and unlike any city you’ll visit anywhere else in the world.

Have we convinced you to book that flight? Awesome. Now, settle in and cast your eye over this special blog post we’ve created. Today we’re going to guide you through the riveting topic of Singapore travel insurance!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Singapore?

What should travel insurance in singapore cover, what is the best singapore travel insurance, how to choose the right singapore travel insurance for you.

Unlike some countries, Singapore does not impose mandatory travel insurance upon its guests. And in such a safe city, you might be wondering if you really need it. Singapore truly is a safe country to visit -it’s actually the safest city in South East Asia. Particularly if you’re only visiting for a weekend or on a layover visit, you might feel like you’re off the hook with travel insurance.

But think again…

However, while the crime rate is low, it isn’t non-existent and valuables do get taken. Also bear in mind Airlines can cancel flights without any notice, so you may need emergency Singapore accommodation. Natural disasters in Singapore are rare but not impossible. Above all,  if at any point you require emergency medical attention in Singapore, the price will sting more than a jellyfish.

At the end of the day, travel insurance for visitors to Singapore (or anywhere else) is definitely something to ponder.

Need more convincing? Check out these other reasons why you should have travel insurance!

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Healthcare in Singapore

What you’ve heard is true: healthcare in Singapore is phenomenal! It shouldn’t come as a surprise that the city has the best healthcare in Asia. It’s sitting very pretty in #6 place for the best healthcare in the world, with clean, modern facilities and top-quality doctors.  Singaporeans are blessed with having an average life expectancy of a ripe old 85.2 years. This is down to their wondrous healthcare system, as well as the fact the country focuses on preventative care.

Singapore’s health system presents a mixture of public and private healthcare. Those hospitalized in Singapore have five treatment tiers available: A, B1, B2+, B2 and C. ‘A’ gives you a private, en-suite room and your choice of doctor. At the bottom of the scale, ‘C’ puts you in an open ward with up to eight other patients. Selecting ‘A’ means the patient coughs up the full amount, whereas ‘C’ is funded by the government up to 80%. All Singaporean workers are obligated to put their monthly earnings into a pot for savings and health needs.

Tourists, however, are required to cover the cost of their own treatment.  Although guidelines exist, private hospitals and clinics in Singapore set their own fees . The average cost of a short doctor’s consultation is S$51 ($36 USD). Emergency clinics that operate around the clock charge from around S$80 ($56 USD) for a consultation, or upwards of S$90 ($63 USD) after midnight.

Smaller than London, Singapore is an island city-state. The whole country is urban, with hospitals well distributed. So if you do need to visit a doctor, the good news is that you won’t have to travel far.  But without Singapore travel insurance, that spell in the doctor’s office could bite.

Crime in Singapore

The crime rate in Singapore is remarkably low. The city has a crime index of 31.56 and a safety index of 68.44. Data shows that violent crimes are extremely rare in Singapore. In 2019, the overall crime rate spread concern by being shown to be on the increase. But that wasn’t down to theft, violet crimes or robberies – they’re all on the decrease. However, scams had risen by an alarming 54.2%. These were mainly targeting victims online and via loans. As a tourist, exercise caution when surfing the net in Singapore. Use a VPN when logged into public wi-fi, and look closely at your Singapore travel insurance to see how it protects you.

Unlike the majority of other cities around the world, even pick-pockets rarely operate in this safe haven. In fact, Singaporeans frequently find themselves the victim of petty crime when they travel! That’s because they’re simply not used to having to protect themselves against thieves . But, as always, all travellers should have their wits about them. As safe as Singapore’s streets are – even at night – it’s best to be cautious.

Issues Facing Travellers in Singapore

With this low crime rate, fabulous healthcare system, and lack of danger, what could possibly go wrong in Singapore? And why should you waste your hard-earned cash on Singapore travel insurance? There are a few issues facing travellers backpacking around Singapore . One thing Singapore hasn’t escaped is the dreaded mosquito. Dengue fever is on the rise, with over 14,600 reported dengue cases in 2019. This tropical disease doesn’t always require hospital treatment, but it’s wise to be covered.

Another issue that plagues tourists is fines. Singapore is, literally, a fine city. Well, yes – it is fine, but it also has a reputation for fines. Although it isn’t actually illegal to chew gum in the city, it is illegal to sell or import it. Don’t smuggle in a family pack of Wrigley’s and try flogging it in your hostel in order to buy the best insurance for Singapore.

Playing a musical instrument in an ‘annoying’ manner will get you a fine of up to $1,000 USD. Using another’s wi-fi counts as hacking (farewell, $10,000 USD). If you forget to flush the toilet, that’ll cost you $150 USD. In some cases of drug use, you could be sentenced to death. Your travel insurance in Singapore won’t be able to help you much with fines, sadly.

Common Activities in Singapore

No matter where you stay in Singapore , your trip is going to be a love affair with incredible food, fascinating museums, and mind-boggling architecture, not forgetting some truly supertrees. If you need a dose of adventure, spice up your stay in Singapore with one of these activities.

City tours – by foot, by bicycle, by scooter or segway! If you don’t fancy traipsing around the city on your feet all day, do as the cool kids do and join a tour on wheels. This is one of the most popular things to do in Singapore. It’s a relatively safe affair, but you might want to cover your ankles and elbows on your Singapore travel insurance before letting loose.

Scuba diving – not for those travelling on a shoestring budget! But if you’re a PADI pro, you might want to add one of Singapore’s dive spots to your portfolio. As an island, Singapore has a number of sites available, including Pulau Jong, Pulau Hantu, and Kesu Island. If you do dive, be super cautious about the restrictions on flying after your excursion. If you don’t obey the minimum surface interval before you take to the sky, you’ll have more than an earache.

Sentosa Island – this awesome day trip gives you a slice of tropical paradise. Visit Universal Studios, go sailing or kayaking, or chill on the beach. If you’re brave, you can do a bungee jump here too!

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

More often than not, the majority of Singapore travel insurance policies will include the following;

Emergency Accident & Sickness Medical Expenses

Luggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

These are some key terms to look out for when you are comparing different travel insurance policies . Now, let’s take a closer look at each one of these to see what they actually mean!

Emergency Medical costs cover, is the most important aspects of most travel insurance policies. If you are involved in an accident or get very sick with a mystery illness, you want to rest easy knowing that any medical costs and hospital bills will be taken care of.

Many of you will have never seen a medical bill. Good. But let me tell you, they can get very expensive very easily. A friend of mine was once billed $10,000 in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00,   and Singapore is way more expensive than Thailand.

Pre-existing medical and health conditions may not be covered or may be covered for an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage. Some run into the millions.

Luggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and However, many policies also extend this to cover “on the ground” theft which comes in useful if you are robbed once you reach your destination.

The limits on this vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is ok for many travellers. However if you travel with a lot of electrical gear (laptop & camera), or are packing skiing gear, you may also wish to think about taking out a separate gadget cover.

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Emergency evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above mentioned illness is a nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home with tubes stuck into your arms.

Repatriation is the cost of sending your body home in the unlikely event that you die on your trip. The costs of this are usually very high. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do sometimes come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis.  Examples can be outbreaks of war/civil unrest and earthquakes that decimate infrastructure such as the 2015 earthquake in Nepal.

Emergency evacuation insurance covers the costs of having to book a last-minute flight home ( which can be very expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel a trip that you were psyched about is heartbreaking. However, then being left out of pocket just adds scurrilous insult to grievous injury. Trip Cancellation cover can help you recover the non-refundable costs of your trip such as flight and hotel costs.

Obviously, you can’t claim this simply because you changed your mind about the trip or broke up with your girlfriend. Legitimate cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, or interrupts, your trip leaving you out of pocket. One example, when your pre-paid hotel burns down and you are forced to book another one. Another example is when your flight home is canceled and you need a few extra nights at your hotel.

Anything Else?

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Singapore travel insurance policies may also include the following;

Adventure Sports and Activities

Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Martial Arts
• Bungee Jumping
• Scuba Diving
• Informal basketball games….

If you are even thinking about doing anything physical or outdoorsy on your trip, it is very wise to check that your insurance provider is in fact covering it. Snapped tendons tend to hurt plenty enough without having hefy medical bills attached to them.

Accidental Death and Dismemberment

This one is perhaps a bit macabre. It doesn’t cover any travel-related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you. If you die, your loved ones get a payout. Or, if you lose a toe or something, YOU get a payout.

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved daughter little Jenny died on her trip to Singapore. The good news is that we get $10k! Singapore here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value. If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like us if you are traveling with a decent laptop and camera, then you may wish to consider obtaining gadget cover.

I have personally had separate gadget cover on my MacBook Pro for years.

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Whilst they may all seem the same, not all insurers are. Some travel insurers offer lower prices more suited to budget backpackers while others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all  firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing is the insurance provider for you.

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2024. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click our link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption   (“Catastophe”)  – $750

World Nomads

World Nomads have been insuring backpackers for years now. World Nomads specialise in backpacker travel insurance and their policies cover long way travel on one way tickets, trips to multiple countries and a whole lot of adventure activities. These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love World Nomads Insurance .

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities. World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one  downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts with both the Standard & Explorer plan.

• Emergency Accident & Sickness Medical Expenses -$100,000/$100,000
• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your holiday vacation in Singapore is like choosing a pair of shoes. Only you can really say how well they fit, and how many miles you can manage in them.

To decide who the right insurer for you is, you need to add up how much your trip is worth, how much equipment you plan to take with you and what activities you intend to engage in.

You also need to ask yourself how much you can afford. This means how much you can afford to pay for cover but also how much you can afford to be out of pocket in the unlikely event of an incident. Sometimes, the cheapest Singapore travel insurance will be enough and sometimes it will be worth spending a bit more.

Hopefully the information provided in this post will help you to decide. If not, then have a blast and break a leg! Actually, probably not… you don’t have insurance.

Final Thoughts on Singapore Travel Insurance

Well done for making it to the end! Now you know everything you could possibly need to know about travel insurance in Singapore. Use our guide to inform your decision and shop around. Even the cheapest Singapore travel insurance should cover you in case something unsafe does happen in one of the safest cities in the world.

Now that’s done and dusted, you can turn your attention to packing for Singapore because it’s time for an adventure! We’ve got plenty of content to help, including where to stay in Singapore, unique things to do, and delicious things to eat.

Aiden Freeborn

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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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• 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: 0.32%

Average Premium: $434.86

Average Trip Cost: $5,875.12

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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Follow our news, recent searches, travel insurance: do you still need covid-19 coverage, advertisement.

Is COVID-19 coverage essential when buying a travel insurance plan, and what do you need to look out for in a policy?

Young woman at the airport checking the flight schedule. (Photo: iStock)

Yasmin Begum

SINGAPORE: The year-end holidays are just around the corner. Many of us are planning to travel overseas again after more than two years of the COVID-19 pandemic.

Many countries are welcoming back visitors after easing or lifting their COVID-19 entry restrictions .

But at the same time, new COVID-19 variants have been popping up across the globe. And this is why insurers are advising holiday makers to make sure they get the right coverage when choosing a travel insurance plan. 

IS COVID-19 COVERAGE IMPORTANT? 

A travel insurance plan with COVID-19 coverage is necessary, said Mr Alan Wong, a financial service director at Prudential and an authorised agent of AIG Singapore

He added that the possibility of contracting COVID-19 before and during one’s travel is still high and such coverage will take care of most of the costs related to medical expenses, travel cancellation, travel postponement, travel curtailment and overseas COVID-19 diagnosis quarantine allowance.

Ms Winnie Loh, founder and director of Ad Maiora, an insurance agency, agreed that COVID-19 coverage is important.  She also noted that the number of COVID-19 cases is increasing in many countries.

WHAT TO LOOK OUT FOR IN TERMS OF COVID-19 COVERAGE? 

Mr Wong recommended that travellers look out for the limit of COVID-19 coverage in their travel insurance policies to check to see if it's sufficient to cover the cancellation cost of one’s air tickets, accommodation and itinerary.

"For example, airfare costs S$3,000 and accommodation costs S$2,000 but the trip cancellation limit is only S$2,500. Thus only part of the cost is covered," he explained.

Mr Chandramogan, an executive senior financial planner with Great Eastern Singapore, also said it is important to find out the sub-limits of the benefits included in the travel insurance plan.

“There could be a case where a person could be down due to COVID-19 and might need to cancel, postpone the trip or suffer some travel disruption either before, during or after the trip,” he said.

"For such situations, insurance companies will reimburse based on the sub-limit of (the) plan for expenses incurred during these situations."

The destination should also play a part when deciding on a plan, he added.

He said: "For example, in the US, medical costs can be crazy and depending on the type of hospital and number of days, you might incur quite a hefty amount."

Commentary: Just how risky is it to stay maskless on a plane?

Travelling overseas? 7 destinations in Asia that have eased COVID-19 entry rules

Commentary: Why are Singapore travellers so enamoured with Japan?

How early should you buy travel insurance.

Buy early and think of it as a way to “maximise your coverage” in case you need to cancel your flight, said Ms Loh.

Others insurers also recommended that travellers buy their travel insurance plan as soon as they book their plane tickets and accommodation.

This is because some people may have to cancel or postpone their trips due to a variety of reasons, including injury or death.

With COVID-19 coverage, those diagnosed with the coronavirus will be covered if they cancel or postpone their trips, said Mr Wong. 

WHAT ARE COMMON MISTAKES TO AVOID? 

Some common mistakes travellers make would be choosing the cheapest travel insurance policy available without ensuring that the coverage is sufficient.

Mr Chandramogan said that one might be infected with COVID-19 while overseas and depending on the COVID-19 measures and protocol in that country, you might find yourself incurring a huge bill.

Some people also prefer to purchase travel insurance online instead of through an agent, said Mr Wong.

He said: "The claims process might not be straightforward in some cases and it might result in some claims being rejected."

Mr Chandramogan echoed his view, saying that there  are many scenarios that can happen while overseas and it may be hard for an individual to self-manage the claim.

"Imagine you are overseas and you are in an accident, I doubt you will be in the right frame of mind to know how to do your own claim," he said, noting that buying travel insurance policies online can be "slightly cheaper".

He added that t he claim requirements and documents needed vary according to the type of claims made, so it saves the claimant "a lot of hassle" if there is someone telling him or her what to do.

He said: "You do not want to come back thinking you can claim, (only) to realise that you are unable to because you did not get the right documents."

Another piece of advice: Don't save on travel insurance even for a short trip to a neighbouring country. 

"There are many cases of items being stolen, (travellers being) met with road accidents and incidents of food poisoning occurring during short trips and consumers did not purchase any travel insurance to cover these," said Mr Wong. 

BOOKMARK THIS: Our comprehensive coverage of the COVID-19 pandemic and its developments

Download  our app  or subscribe to our Telegram channel for the latest updates on the coronavirus pandemic:  https://cna.asia/telegram

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

Featured Partners

Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

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• Travel Insurance For South Africa
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
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• Travel Insurance

How to Pick the Best Travel Insurance Plan

Are you gearing up for your next trip but are still unsure how to find the best travel insurance plan? We outline some ways you can pick the best coverage that will give you the greatest bang for your buck.

by ValueChampion Editorial Team on Apr 29, 2024

If you are shopping for travel insurance for your upcoming trip, you might be a bit overwhelmed by all the different options with various benefits and prices. How should you go about finding the best deal that suits your travel needs? Here, we discuss the four major factors you should think about before choosing the best travel insurance for your travel plans.

Find The Best Travel Insurance Plans Find Out More

Table of Contents

Region of Destinations

Short-term vs annual travel insurance plans, coverage and benefits.

While some insurance shopping platforms may ask you which country you will be travelling to, most travel insurance companies only price their plans based on the region of your destination. In Singapore, regions are typically divided into ASEAN, Asia and global.

The first thing to know when choosing a travel insurance is that wider regional coverage is more expensive. For instance, a travel insurance that covers your trip in Cambodia (ASEAN) should be cheaper than a plan that covers Korea (Asia) or London (global). Therefore, if you know you will be travelling only in a certain region, you can save some money by choosing the narrowest regional coverage possible.

On the other hand, you may want to select a wider coverage if you know you will be travelling in various countries. For instance, you might do a trip that starts in Vietnam, continues to Hong Kong and ends in Korea. Such a trip would require travel insurance with Asian coverage, not just ASEAN. Also, if you will be traveling outside of Asia, you would have to purchase a plan with a global coverage, which is typically 50-60% more expensive than ASEAN or Asian coverage.

Related: Travel Diaries: 5 Safest Travel Destinations in the World

Duration of your trip.

Cost of your travel insurance will also depend on how long your trip is. Typically, we have found that a 2-week long trip will cost about 50% more than a 1-week trip, regardless of your destination. This cost will increase as your trip becomes longer up to a point when the price reaches the premium of an annual plan. On average, you can expect to spend about S$46 to S$83 for 1-week long trips, or S$73 to S$137 for 2-week long trips.

Annual plans will cover your trips within a specified region for 365 days, and can range from S$330 – S$924  on average ( depending on the seasonal discounts offered by insurers ). This means that you might want to consider going with an annual plan if you know you will be travelling at least four to six times in the next 12 months. This is especially the case if your trip destinations tend to be broad-ranged in Asia or globally.

Because travel insurance benefits are the same for different durations, you wouldn’t need to worry about that when choosing between an annual plan or short-term plan as long as you are happy with the set of the benefits to begin with.

Related: Is Annual Travel Insurance right for you?

Last but not least, you should find out what kind of benefits you are entitled to, and if those benefits are on par with the industry average.

Typically, you are entitled to some payment when you 1) get in an accident or need medical help, or 2) when you experience some travel inconvenience like cancelled flights or lost luggage. You can also get covered for injuries in leisure activities like skiing or scuba diving.

Insurance companies usually offer an “economy” or “basic” package and a premium package. Premium packages come with higher compensations, but also cost about 40-60% more than their cheaper counterparts. Below is a summary of average levels of benefits for each major category, so you can compare your choice to the industry level while shopping for the best travel insurance in Singapore .

If you are ready to purchase travel insurance and be protected for your next trip, check out our round up of the best travel insurance plans to compare which plan best suits your needs.

• Best Travel Insurance in Singapore
• What is Travel Insurance
• Travel Insurance: How Does Trip Cancellation Coverage Work?
• Three Types of People Who Should Get Annual Travel Insurance
• Travel Insurance — Must-Have or Good-to-Have?

Cover image source: Unsplash

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Think Your Travel Insurance Covers Your Pre-Existing Medical Conditions? Think Again

Are you guilty of always buying the cheapest travel insurance policy you can get your hands on? I know I am. After all, they more or less cover the same things, like travel delays, lost luggage, and medical expenses…that’s what most of us think, right?

Well, if you have pre-existing medical conditions such as diabetes, high blood pressure, or asthma—you might want to think twice. 

It may come as a surprise to you, but pre-existing medical conditions are often not covered under a standard travel insurance plan. Even if the plan includes S$200,000 medical coverage, you might not be able to claim for it if your illness or injury is linked to a pre-existing condition.

What qualifies as a pre-existing medical condition?

Before we discuss how to overcome this problem and obtain coverage, we’ll first have to define a pre-existing medical condition.

In the context of travel insurance, a pre-existing condition is a sickness or injury that you were aware of (not limited to the past year before your travel date), as well as being diagnosed with, took medication for, have medical records of, received treatment for, or had been asked to get medical treatment for within the past 12 months before travelling.

Examples include: asthma, stroke, eczema, epilepsy, diabetes, high blood pressure, and heart conditions.

How can I get covered for my pre-existing conditions?

Thankfully, there are plans that are specifically designed to cover your pre-existing medical conditions. 

There’s no telling when medical problems can crop up and you certainly don’t want to be paying through your nose for medical bills in a foreign country and not be able to claim for it later. Don’t let your holiday become a nightmare.

Having travel insurance that covers pre-existing medical conditions can go a long way. 

Take the case of Jack*, who was on holiday. During his trip, he had to be admitted to the hospital because of low oxygen levels. He was subsequently diagnosed with a lung condition and severe heart failure.

Prior to the trip, Jack already had a history of multiple medical conditions, including a lung disease.

He had to be medically evacuated overseas to Singapore via an air ambulance, and together with the medical expenses overseas, the total costs amounted to more than S$50,000. 

Another case was Sally*, who was on a trip overseas when she had to be admitted to the hospital for heart problems and gastrointestinal bleeding.

Like Jack, she had a past medical history of multiple medical conditions. 

She also had to be medically evacuated, and the cost amounted to more than S$19,000.

Fortunately for both of them, their bills were taken care of by Income Insurance because they had the right travel insurance policy.

While the premiums for policies that cover pre-existing medical conditions may be higher than those of a standard travel insurance plan, as the stories above show, it’s better to be safe than sorry.

How can Income’s Enhanced PreX Travel Insurance protect you?

Despite having pre-existing medical conditions, both Jack and Sally were able to fully claim for all their medical expenses thanks to Income’s Enhanced PreX Travel Insurance . This policy, which they had purchased, covers pre-existing medical conditions such as diabetes, heart conditions, high blood pressure and more. With no out-of-pocket payments, they could rest easy and focus on recovery.

Some of the key coverage includes: 

• Up to S$300,000 in overseas medical expenses and emergency medical evacuation coverage when you unexpectedly suffer pre-existing medical conditions.  
• Up to S$15,000 coverage for overseas transport and accommodation expenses if you have to cancel or shorten your trip due to pre-existing medical conditions 1 .

The plan also includes trip inconveniences such as trip disruptions, travel delays, as well as baggage loss and delays.

There are three tiers of Enhanced PreX Travel Insurance—Enhanced PreX Basic, Enhanced PreX Superior, and Enhanced PreX Prestige—each with differing amounts of coverage to suit your needs and budget.

Income Insurance has recently extended the coverage duration for its Enhanced PreX Per-trip plans to 60 days from 30 days, allowing you to be covered for your pre-existing medical conditions even on long-haul trips!

If you have an upcoming trip and have a pre-existing condition, consider Income’s Enhanced PreX Travel Insurance . Sign up by 31 May 2024 to enjoy 15%^ off Enhanced PreX Per-Trip plan! Hurry, as this offer is for a limited time only.

This post was brought to you by Income Insurance Limited.

^ Promotion Ts&Cs apply. Please refer to the full promotion terms and conditions here .  

1  For trip cancellation and trip shortening under Enhanced PreX Superior and Prestige plans. 50% co-payment applies. 

All opinions expressed in this article are those of MoneySmart and not of Income Insurance Limited (“Income Insurance”).  MoneySmart assumes full responsibility and control over the accuracy and completeness of all information provided in this article. MoneySmart is responsible for the accuracy and completeness of all information provided and intellectual property used in this article. Income Insurance is neither responsible nor liable to any party for the content of this article and intellectual property used in this article.    

The information provided in this article is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy any product(s). You should seek personalised financial advice before you purchase any insurance product. Purchasing an insurance product that is not suitable for you may impact your ability to finance your future insurance needs. Precise terms, conditions and exclusions of the insurance plan mentioned in this article are found in the policy contract which can be found at this link . This plan is underwritten and issued by Income Insurance.  

Protected up to specified limits by SDIC.

Information is correct as of 2 May 2024. 

*Names have been changed to protect privacy

This post was written in collaboration with Income Insurance. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective lens. We are committed to providing the best information in order for you to make personal financial decisions with confidence.

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