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Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

Published on

24 Apr 2022

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Finally planning to take your parents or grandparents on holiday this year? You’ve probably got a good handle on the travel itinerary, but you might not have thought about yet is which travel insurance plan to buy for the older folks.

It matters because most insurers drastically reduce their travel insurance coverage for those 70 years old and above. That’s terrible because you want MORE medical coverage for the elderly, not less!

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Senior travel insurance (2022) – 7 best plans in Singapore for elderly travellers

Here are the key benefits for the seven more appropriate travel insurance plans for seniors in Singapore. The amounts represent coverage limits for those 70 years and above, i.e. how much you can claim.

Wondering what on earth all these insurance terms mean? Here’s a brief description:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

NTUC travel insurance (PreX) for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction.

What’s special about NTUC is that they offer two types of plans: normal and Enhanced PreX. The latter covers pre-existing medical conditions like diabetes and high blood pressure, which is definitely a big plus for seniors.

Here’s a look at the coverage limits for NTUC Income Enhanced PreXtravel insurance. This is the Basic plan which is the cheapest.

Another thing to note is that NTUC Enhanced PreX plans are very expensive. A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

That said, NTUC is the only insurer that provides adequate coverage for seniors with medical conditions. MSIG also has a range of insurance for pre-existing conditions, but the benefits are drastically reduced for those above 70. For instance, the overseas medical coverage limit falls from $250,000 to $50,000 for those above 70.

NTUC travel insurance for senior citizens

It’s not a MUST to spring for PreX. In the past, before NTUC PreX came along, it was pretty much impossible to get travel insurance coverage for pre-existing conditions, so everyone just sucked it up and hoped for the best.

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage totally does not discriminate against elderly travellers.

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable. If you or an immediate family member is an Aviva policyholder, you can get a 30per cent discount. Otherwise, they’re running a 18per cent off promotion for selected buyers.

UOB travel insurance for senior citizens

Although I’m really not a fan of UOB’s other products, I honestly think that UOB travel insurance is some of the best in Singapore pre-pandemic. A major drawback of UOB’s insurance is the lack of Covid-19 coverage. Especially for senior travellers, getting Covid-19 overseas could lead to some serious medical implications.

While they’ve delivered excellent benefits for senior travellers on other fronts, the lack of Covid-19 coverage is definitely a concern.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the seven plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to the highest benefits for post-travel local medical expenses of $15,000 and $25,000 respectively for those above and below 70, which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip.

OCBC travel insurance for senior citizens

My key takeaway is that, among the plans compared here, OCBC travel insurance has the highest emergency medical evacuation benefit for senior citizens. And more importantly, it is calculated separately from overseas medical expenses.

This is a travel insurance plan to consider if the medical infrastructure in your travel destination is poor, e.g. a rural/remote place. In a medical emergency, you’re more likely to be evacuated home than rushed to the nearest hospital.

OCBC also has the highest benefits for Traditional Chinese Medicine ($600) for a basic plan.

However, the OCBC’s cheapest Starter plan does not offer any Covid-19 coverage. Upgrade to the Essential and Ultimate plans for Covid-19 benefits. However, unlike NTUC and Singlife with Aviva, seniors above 70 are only covered a measly $7,500 in medical expenses while overseas.

You might not associate OCBC with travel insurance, but it should be legit since it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

Citibank DirectAsia travel insurance for senior citizens

Another bank offering surprisingly good travel insurance for senior travellers, Citibank is also worth considering if you’re in the same scenario as above – going to a place with poor/no medical care available.

Citibank is a distributor of DirectAsia’s Trip Saviour travel insurance plans. Now, we all know Direct Asia has a reputation for being budget-friendly but is its coverage up to par? In theory, you have three tiers to pick from, Classic, Deluxe, and Platinum.

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include Covid-19 coverage and it’s not an optional add-on.

Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

Unlike most other insurers, the benefit limits is the same across all age groups. However, it’s important to note that the the plan does not cover pre-existing conditions and it does not cover medical expenses when you’re back in Singapore.

The redeeming quality of Allianz travel insurance is that the limits for emergency evacuation and medical expenses are separated. Again, it’s suitable for those travelling to destinations with poor medical infrastructure.

This article was first published in MoneySmart.

Source: AsiaOne © Singapore Press Holdings Limited. Reproduced with permission.

ALL views, content, information and/or materials expressed / presented by any third party apart from Council For Third Age, belong strictly to such third party. Any such third party views, content, information and/or materials provided herein are for convenience and/or general information purposes only. Council For Third Age shall not be responsible nor liable for any injury, loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person accessing or acting on any such views, content, information and/or materials. Such third party views, content, information and/or materials do not imply and shall not be construed as a representation, warranty, endorsement and/or verification by Council For Third Age in respect of such views, content, information and/or materials.

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Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

It matters because most insurers drastically reduce their travel insurance coverage for those 70 years old and above . That’s terrible because you want MORE medical coverage for the elderly, not less!

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Senior travel insurance (2022) – 7 best plans in Singapore for elderly travellers

* Sublimit of $100,000 for pre-existing medical conditions

Wondering what on earth all these insurance terms mean? Here’s a brief description:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

NTUC travel insurance (PreX) for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction.

Here’s a look at the coverage limits for NTUC Income Enhanced PreX travel insurance. This is the Basic plan which is the cheapest.

*Note that there are sublimits for claims directly related to pre-existing conditions. This is $150,000 for adults below 70, and $100,000 for those aged 70 and up. So, although pre-existing medical conditions are covered, the actual coverage isn’t as high as it looks.

Another thing to note is that NTUC Enhanced PreX plans are very expensive . A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

ALSO READ: Best travel insurance policies for places prone to natural disasters (2022)

NTUC travel insurance for senior citizens

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

For more on NTUC travel insurance promotions, claims procedure and T&Cs , read our review here.

Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage totally does not discriminate against elderly travellers .

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable . If you or an immediate family member is an Aviva policyholder, you can get a 30per cent discount. Otherwise, they’re running a 18per cent off promotion for selected buyers.

For more on Aviva travel insurance promotions, claims procedure and T&Cs , read our review here.

UOB travel insurance for senior citizens

While they’ve delivered excellent benefits for senior travellers on other fronts, the lack of Covid-19 coverage is definitely a concern.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the seven plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to the highest benefits for post-travel local medical expenses of $15,000 and $25,000 respectively for those above and below 70 , which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip.

For more on UOB travel insurance promotions, claims procedure and T&Cs , read our review here.

OCBC travel insurance for senior citizens

You might not associate OCBC with travel insurance, but it should be legit since it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600).

OCBC also has the highest benefits for Traditional Chinese Medicine ($600) for a basic plan.

For more on OCBC travel insurance promotions, claims procedure and T&Cs , read our review here.

Citibank DirectAsia travel insurance for senior citizens

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include Covid-19 coverage and it’s not an optional add-on.

For more on Citibank travel insurance promotions, claims procedure and T&Cs , read our review here.

ALSO READ: Travel insurance review: Is MSIG travel insurance worth it?

Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

This article was first published in MoneySmart .

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Senior Travel Insurance for Elderly with Pre-Existing Medical Conditions (2022)

It matters because most insurers drastically reduce their travel insurance coverage for those 70 years old and above . That’s terrible because you want MORE medical coverage for the elderly, not less!

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Best travel insurance for senior citizens
NTUC travel insurance for senior citizens
Singlife with Aviva travel insurance for senior citizens
UOB travel insurance for senior citizens
OCBC travel insurance for senior citizens
Citibank DirectAsia travel insurance for senior citizens
Allianz travel insurance for senior citizens
MSIG travel insurance for senior citizens
Etiqa travel insurance for senior citizens

1. Best Travel Insurance for Senior Citizens

Here are the most popular travel insurance plans and their premiums and coverage limits for senior citizens. The amounts represent coverage limits for those 70 years and above, i.e. how much you can claim.

If you pay close attention, most travel insurance policy wordings will show that they decrease coverage eg. only 60% of limit for elderly above age 70.

As you can tell from the table above, the coverage limits are lower for elderly above 70 years old. Before we deep dive into the policies, here’s a low down on what the insurance terms mean:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

2. NTUC travel insurance for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction. It’s a household name that most of us are very familiar with.

However, it’s not a MUST to spring for PreX. In the past, before NTUC PreX came along, it was pretty much impossible to get travel insurance coverage for pre-existing conditions, so everyone just sucked it up and hoped for the best.

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

NTUC travel insurance (PreX) for senior citizens

On the other hand, for elderly with existing health conditions, the NTUC Income Enhanced PreX travel insurance would be an ideal choice. This is the Basic plan which is the cheapest.

*Note that there are sub-limits for claims directly related to pre-existing conditions. This is $150,000 for adults below 70, and $100,000 for those aged 70 and up. So, although pre-existing medical conditions are covered, the actual coverage isn’t as high as it looks.

However, a thing to note is that NTUC Enhanced PreX plans are very expensive . A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

For more on NTUC travel insurance promotions, claims procedure and T&Cs , read our review here.

3. Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage largely does not discriminate against elderly travellers .

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout that falls rather drastically.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable . If you or an immediate family member is an Aviva policyholder, you can get a 30% discount. Otherwise, they’re running a 18% off promotion for selected buyers.

For more on Aviva travel insurance promotions, claims procedure and T&Cs , read our review here.

4. UOB travel insurance for senior citizens

Although I’m really not a fan of UOB’s other products, I honestly think that UOB travel insurance is some of the best in Singapore. They deliver excellent benefits for senior travellers on most fronts.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the 7 plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to high benefits for post-travel local medical expenses of $10,000 and $25,000 respectively for those above and below 70 , which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip. Plus, chances are they have their medical records with a local doctor they might want to seek follow-up treatment from.

For more on UOB travel insurance promotions, claims procedure and T&Cs , read our review here.

5. OCBC travel insurance for senior citizens

You might not associate OCBC with travel insurance, but it is legit because it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are also very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600).

OCBC also has the highest benefits for Traditional Chinese Medicine of $600 for its cheapest Starter plan.

However, the OCBC’s cheapest Starter plan does not offer any COVID-19 coverage. You have to upgrade to the Essential and Ultimate plans for COVID-19 benefits. However, unlike NTUC and Singlife with Aviva, seniors above 70 are only covered a measly $15,000 in medical expenses while overseas. Keep scrolling!

For more on OCBC travel insurance promotions, claims procedure and T&Cs , read our review here.

6. Citibank DirectAsia travel insurance for senior citizens

Citibank is a distributor of DirectAsia’s Trip Saviour travel insurance plans. Now, we all know Direct Asia has a reputation for being budget-friendly but is its coverage up to par? In theory, you have 3 tiers to pick from, Classic, Deluxe, and Platinum.

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include COVID-19 coverage and it’s not an optional add-on. Unless that’s a chance you’re willing to take, we’d suggest looking at other providers and what they have to offer.

For more on Citibank travel insurance promotions, claims procedure and T&Cs , read our review here.

7. Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

Total Premium

Allianz Travel Silver

[Receive your cash as fast as 30 days*] • Enjoy an exclusive 57% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$40 via PayNow with eligible premiums spent. T&Cs apply. PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.

Key Features

Plans start from $28

All Plans Provide Unlimited Emergency Transportation (Includes Covid-19 Coverage)

Allianz Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19, or being impacted by other pandemic or epidemic, when you are diagnosed with the disease

24/7 Medical Assistance - helping you organise things like trusted medical expertise, appointments and making direct payments (to selected medical providers)

Frequent Travellers: Get covered for an unlimited number of trips with Annual Plans (up to 90 days’ duration each trip).

The Family Plan provides cover for you and the members of your family who are travelling with you on your journey. Insured persons may comprise a maximum of two adults, who need not be related. Insured persons may also include ANY number of dependents of the two named adults. Note that ALL insured persons, including dependents, must be named on the certificate of insurance.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

Unlike most other insurers, the benefit limits are almost the same across all age groups except for the medical expenses incurred overseas. However, it’s important to note that the the plan does not cover pre-existing conditions and it does not cover medical expenses when you’re back in Singapore.

The redeeming quality of Allianz travel insurance is that the limits for emergency evacuation and medical expenses are separated. It’s COVID-19 coverage is also on the more generous end. Again, it’s suitable for those travelling to destinations with poor medical infrastructure.

For more on Allianz travel insurance promotions, claims procedure and T&Cs , read our review here.

8. MSIG travel insurance for senior citizens

MSIG Insurance is yet another provider born out of our friendly neighbours Malaysia, Truly Asia. It is also another provider that offers a plan for pre-existing conditions. Before getting into the Pre-Ex plan, let’s look at the coverage for the cheapest TravelEasy Standard plan:

The MSIG TravelEasy Standard plan’s main drawback is its low coverage limit for overseas medical expenses. Comparing across the board, MSIG TravelEasy Standard plan’s coverage of $50,000 is amongst one of the lowest. The coverage for medical expenses due to COVID-19 is also nothing to shout about. However, it does have a very high $1,000,000 limit for emergency medical evacuation should your ah ma need to be airlifted back to Singapore.

MSIG travel insurance (Pre EX) for senior citizens

Let’s see how MSIG Pre-Ex policy fares:

MSIG TravelEasy Pre-Ex Standard

Before your purchase MSIG’s TravelEasy Pre-Ex plan, you’ll have to answer a slew of questions about your medical history. Some of which include:

I am following my treating doctor’s advice. This includes not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.
I do not have any medical condition or symptom which I have not consulted a doctor for or for which I am waiting for medical test, medical result, diagnosis, treatment or surgery.
I am not required to stay in a hospital as an inpatient for more than three days in a row in the last 12 months.

On top of having proven that you’ve been attending your doctor’s appointment and taking your meds, you might still not qualify for MSIG’s TravelEasy Pre-Ex plan if you have been hospitalised for more than 3 consecutive days in the past year.

If you do decide to opt for MSIG’s TravelEasy Pre-Ex plan, note that it does not include COVID-19 coverage .

For more on MSIG travel insurance promotions, claims procedure and T&Cs , read our review here.

8. Etiqa travel insurance for senior citizens

Etiqa might not be a household name amongst Singaporeans but given its very affordable price tag, it’s worthy of looking into. Given how cheap it can be, do Etiqa’s travel insurance plans give you sufficient coverage? Let’s look at the coverage of Etiqa’s Entry plan which is the lowest tier:

In fact, even with its low prices, Etiqa’s plans are very competitive with what’s offered by the other providers in terms of its key coverages such as emergency medical evacuation and personal accident. However, with the lowest tier plan, there’s no coverage of medical expenses incurred in Singapore. Should you need follow-up treatment in Singapore, be prepared to foot the bill yourself. Otherwise, you can opt for the second or third tier plans that offer some coverage for medical expenses incurred in Singapore.

It’s also important to know that the COVID-19 plan is an optional add-on. Don’t forget to add it to your cart before you proceed to checkout.

Etiqa travel insurance (Pre Ex) for senior citizens

If you have pre-existing conditions, Etiqa also offers a plan for elderly with pre-existing conditions. Let’s take a look at the key benefits of Etiqa’s Tiq Entry plan:

Etiqa’s Tiq Pre-Ex plan does not include COVID-19 coverage. On top of that, like the non-pre ex version, the pre ex version of the Entry plan does not include any coverage for medical expenses in Singapore. If you’re fully onboard Etiqa’s travel insurance plan, you might want to top up more for each one of the higher tiers for more comprehensive coverage.

Do you have any money-saving tips for travelling with seniors? Share your experiences with us!

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Best Travel Insurance Plans in Singapore [content outdated due to Covid]

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Tips for Buying Travel Insurance Over 75

How do I find affordable travel insurance for over-75 travelers?

Don’t assume travel insurance is out of reach! First, get a quote . We’ll show you the cost and benefits for multiple plans, so you can pick the best one for your trip and your budget.

The first plans you see may be OneTrip Prime and OneTrip Premier . These plans are popular for good reasons: They offer extensive benefits and high benefit limits, and they cover children 17 and under for free when they’re traveling with a parent or a grandparent (not available on policies issued to Pennsylvania residents). If you’re planning a grand vacation overseas, these plans will give you the best protection.

But what if they’re just too expensive? Consider the OneTrip Basic plan instead. An economical choice for domestic and international travelers, OneTrip Basic includes all the benefits you need for less. There’s a $10,000 limit for emergency medical benefits and a $50,000 limit on emergency medical transportation.

If you’re not worried about losing your pre-paid trip expenses, we recommend the OneTrip Emergency Medical plan. This plan includes substantial post-departure benefits — up to $50,000 in emergency medical benefits and up to $250,000 for emergency medical transportation — but does not have trip cancellation/interruption benefits. As a result, it’s really affordable, even for senior travelers.

Here’s the best-kept secret of all: annual travel insurance. For travelers over 75, the most cost-effective travel insurance option may be an AllTrips plan, which protects all your travel in a 365-day period. When you’re getting a quote for annual insurance, age doesn’t matter! Your cost is the same whether you’re 25, 75 or 95 years old. Seriously: Get a quote for an annual plan and see for yourself .

One word of caution: If you’re heading overseas, do not skip emergency medical benefits just to save money on your travel insurance. If you should fall seriously ill or suffer a serious injury while traveling, the cost of treatment and transportation can be staggeringly expensive — as we saw in Anna’s case. As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.” iii

Can I get travel insurance if I’m over 75 and have health problems?

Here’s the good news: Medical history and/or chronic medical conditions do not affect the cost of travel insurance. If you have a pre-existing medical condition, however, you need to understand how travel insurance may or may not cover it.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the insurance purchase date:

Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
Presented symptoms; or
Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

If you have a pre-existing medical condition, opt for a policy that includes the Pre-Existing Medical Condition Exclusion Waiver . With this waiver, you can still be covered for losses due to a pre-existing medical condition if you meet all of the following requirements:

Your policy was purchased within 14 days of the date of the first trip payment or deposit;
You were a U.S. resident when the policy was purchased;
You were medically able to travel when the policy was purchased;
On the policy purchase date, you insured the full non-refundable cost of your trip with us. If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. (If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.)

If you have questions about what any of this means, or if you’d like advice on choosing the best travel insurance plan, please contact us! Insurance advisers are available to talk you through all available options for travel insurance over 75, or at any age.

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JM.USEmbassy.gov
AllianzTravelInsurance.com
Travel.State.gov

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Best Travel Insurance for Seniors 2024

Senior citizens may need more comprehensive travel insurance to cover their medical needs while overseas. However, many insurers tend to severely cut their medical coverage for seniors above the age of 70. To help elderly travellers, our team of travel insurance experts rounded up the best travel insurance plans for seniors after analysing hundreds of data points from 80 travel insurance plans.

*Please read the important travel updates regarding COVID-19 here .

Cheapest Plans for Seniors
FWD Premium : Comprehensive medical coverage for competitive premiums
Etiqa Basic : Modest medical coverage but offers ongoing promotions that make premiums very affordable
HL Assurance Enhanced : Costlier than FWD and Etiqa but offers higher medical coverage
Best Value Plans for Seniors
Direct Asia 500 : Affordable premium option
Income Classic : Good option for travellers looking for medical coverage
Aviva Plus : Offers flexible cancellation policies and good medical coverage
Allianz Travel Silver : High value for money option for those looking for travel inconvenience benefits
Best Plans for Medical Coverage
Aviva Plus : Doesn't cut coverage for seniors over a certain age
Income Superior Pre-Ex : Lets you claim for pre-existing conditions
Best Plans for Trip Inconvenience
Allianz Gold : Offers highest trip inconvenience coverage on the market
Aviva Prestige/Plus : Great options if you want to be able to cancel your trip for any reason

Picking the Best Travel Insurance Plans for Seniors

We researched dozens of travel insurance plans and analysed hundreds of data points to find out the best travel insurance plans for seniors. Compare our top picks based on coverage and price.

This graph compares the price of major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers compare and find the cheapest travel insurance for their trip

Cheapest Travel Insurance for Seniors FWD, Etiqa & more
Best Value Travel Insurance Aviva, Direct Asia & more
Best for Medical Coverage Aviva, NTUC
Best for Trip Inconvenience Allianz Travel

Cheapest Travel Insurance for Seniors

Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice

Regardless of destination and length of coverage, senior travellers who choose Etiqa, FWD or HL Assurance will get the cheapest travel insurance rates.

On the other hand, Etiqa's Tiq plans coverage is more modest with only emergency evacuation and overseas medical coverage available for the Entry plan. However, its ongoing promotions can make it a good option for seniors who are focused on price and are healthy enough to not require high levels of medical coverage. This is especially true for active seniors who also like to go on hikes and do sports while vacationing since Tiq covers adventurous activities. You can also choose to get pre-ex coverage if you are willing to pay the S$60 extra dollars (1-week coverage).

FWD offers more comprehensive medical coverage than Etiqa, with S$40,000 medical expense coverage and S$2,000 of domestic medical coverage for seniors over 70 and costs around S$10 more than Etiqa for a one-week trip. However, it is important to remember that looking at price alone is not a determinant of a good plan. If you are travelling to a country with expensive healthcare, it is better to spend a little more but get better coverage than be stuck with a costly medical bill.

If you are interested in protecting your trip itinerary, HL Assurance offers above average trip cancellation and delay coverage out of its peers and it offers the highest medical expense coverage out of the three, with S$50,000 of coverage. However, it is one of the more pricier options out of the 3 for annual plans, costing S$187 for an annual ASEAN plan.

Best Value Travel Insurance for Seniors

Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher

If you want to gain the most from your travel insurance, high value plans like Aviva, Direct Asia, Income and Allianz Travel offer the most coverage per dollar of premium for seniors due to their generous medical coverage and solid trip inconvenience coverage. Aviva Plus, Direct Asia 500 and Allianz Silver, specifically, offer competitive pricing that is below average with premiums that are 15-40% below their peers. At the same time, they offer above average medical expense coverage and trip inconvenience coverage.

Direct Asia is a good option if you are on a tight budget but you are still looking for more coverage than what typical budget travel insurance plans offer. The 500 plan is a top-tier plan that provides generous trip inconvenience coverage and can be a good option for multigenerational families since kids are covered for free and grandparents receive fairly generous coverage thanks to DirectAsia's already high coverage limits.

Aviva and Income (not the Pre-X plans) are good options for active or medically-focused senior travellers due to Aviva's flexible cancellation policies and Income's high medical benefits. For travellers looking for a high value budget plan, Income Classic offers the highest value out of budget-tiered plans. It is affordable and provides coverage limits high enough for the over 70 to compete with mid and even top-tier plans. In the same vein, Aviva is a high level mid-tier plan that offers very generous limits for medical coverage (the highest on the market for seniors over 70 years of age).

Allianz Travel is a good option for travel inconvenience coverage as it offers up to S$15,000 of trip cancellation coverage and S$12,000 of baggage loss coverage and can work for seniors who travel with expensive belongings.

Best Medical Coverage Travel Insurance

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and Income have some of the most lenient coverages when it comes to medical claims.

If you are on a tight budget but still want a plan that provides ample medical coverage, Aviva is a clear winner as it doesn't cut domestic medical, international medical and personal accident coverage for elderly policyholders. It also offers a variety of medical benefits including dental expenses, emergency telephone expenses, quarantine and hospital visit expenses.

If you are travelling with pre-existing conditions, Income's Pre-X is one of the three insurers who will let you claim for medical expenses arising from your pre-existing conditions. Its Pre-X plans let you claim for medical expenses due to your pre-existing condition while abroad and continue treatment once back home in Singapore. You can also claim your medical expenses either under travel inconvenience (i.e. you had to cancel your trip due to a pre-existing condition), although that comes with a 50% co-payment. Lastly, you'll receive other benefits like travel agency insolvency, repatriation and missed connections coverage. However, you should note that annual Pre-X policies can only be purchased over the phone.

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and NTUC have some of the most lenient coverages when it comes to medical claims.

Best Trip Inconvenience Coverage

If you are looking for maximum peace of mind regarding your itinerary and baggage, Allianz and Aviva's travel insurance plans may be a great fit.

If your budget is not restricted, Allianz Travel's Gold plan offers the highest trip inconvenience coverage on the market with S$25,000 of trip cancellation coverage, S$1,500 trip delay coverage and S$15,000 of baggage loss/damage coverage. If you are willing to sacrifice some of the limits in exchange for more affordable prices, you can opt for Allianz's Silver plan. It is still a very solid plan with S$12,000 of baggage loss or damage coverage, S$15,000 of trip cancellation, and S$15,000 of trip postponement coverage.

If you care more about flexibility rather than coverage amounts, Aviva's Prestige and Plus travel insurance plans are great choices as they let you cancel your trip or change your travel dates for any reason and offers up to S$8,000 of baggage loss and S$3,000 of theft coverage. To get the best value, we recommend you look at the Prestige plan, as it costs below average for top-tier plans. However, regardless of the plan, Aviva is quite expensive so it may not be the best fit for travellers on a tight budget.

Travel & COVID-19 Updates

As of June 15, 2020, all Singaporeans are advised to avoid travel. Several countries are experience increasing rates of infection and may be risky for travel. However, there is an exception for essential business and official travel operating under the Green/Fast Lane arrangements. Furthermore, please note that if you are planning a trip and have recently bought a travel insurance policy, you may not be eligible for claims related to Covid-19. Furthermore, upon return to Singapore, you will be require to serve a mandatory Stay-Home Notice (SHN) as well as a test.

Please note as of July 19th, 2020, travellers who stayed the past 14 days in Australia (besides Victoria), Brunei Darussalam, Macao SAR, mainland China, New Zealand, South Korea, Taiwan and Vietnam no longer need to serve their SHN at an SHN Dedicated Facility. Instead, Singaporean citizens and permanent residents can serve their 14 day SHN at home. To learn more please click here .

Methodology

To find the best travel insurance plans for seniors, we analysed pricing and coverage from over 100 different travel insurance plans. We took into consideration medical coverage for seniors who are over 70, whether there were any benefits that were excluded for seniors over a certain age as well as trip cancellation benefits. We also looked into plans that offered pre-existing conditions, since there is a higher chance that this segment of travellers will want coverage for ongoing medical conditions. Lastly, we looked at price. Since senior travellers may be retired and without a steady income stream, we wanted to find plans that were affordable in addition to providing useful benefits.

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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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

The wing of a commercial aircraft in the clouds during a flight.

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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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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Best overall
Best for expensive trips
Best for exotic trips
Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

Best overall: Allianz Travel Insurance
Best for expensive trips: John Hancock Travel Insurance
Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler.

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
Single and multi-trip plans available
Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock John Hancock Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
Trip cancellation for 100% of the trip cost
Trip interruption insurance for up to 150% of the trip cost
Emergency medical coverage of up to $250,000 per person
Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
Coverage for 150+ activities and sports
2 plans: Standard and Explorer
Trip protection for up to $10,000
Emergency medical insurance of up to $100,000
Emergency evacuation coverage for up to $500,000
Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

Trip cancellation coverage for up to 100% of the trip cost
Trip interruption coverage for up to 150% of the trip cost
Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

Travel medical coverage - This coverage will pay for your medical bills outside the US.
Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Main content

IMAGES

10 Best Travel Insurance in Singapore for that Next Flight Out [2023
Top 11 Travel Insurance Singapore In 2024
Travel Insurance for Seniors Post-Covid (for 2022)
Best Travel Insurance in Singapore with Covid-19 Coverage
The Best Travel Insurance For Seniors (From $26.71 Per Week)
7 Trustworthy Travel Insurance in Singapore [2023]

COMMENTS

Best Buy Travel Insurance for Elderly Over 65 in Singapore
FWD travel insurance gives you high medical coverage, even for the premium plan, making it a strong contender for best buy travel insurance policies. For example, overseas medical expenses coverage for premium members is S$40,000 to S$200,000 for those 70 years and above and from S$200,000 to S$1,000,000 for those below 70 years old.
Senior travel insurance (2022): 7 best plans in Singapore for ...
Another thing to note is that NTUC Enhanced PreX plans are very expensive. A week's coverage in ASEAN starts from $102 - way, way higher than the usual $30 something you'd expect to pay for regular travel insurance. That said, NTUC is the only insurer that provides adequate coverage for seniors with medical conditions.
Senior travel insurance (2022): 7 best plans in Singapore for ...
*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600). My key takeaway is that, among the plans compared here, OCBC travel insurance has the ...
Senior Travel Insurance in Singapore (2022)
OCBC travel insurance for senior citizens. Citibank DirectAsia travel insurance for senior citizens. Allianz travel insurance for senior citizens. MSIG travel insurance for senior citizens. Etiqa travel insurance for senior citizens. 1. Best Travel Insurance for Senior Citizens. Here are the most popular travel insurance plans and their ...
Tips for Buying Travel Insurance Over 75
For travelers over 75, the most cost-effective travel insurance option may be an AllTrips plan, which protects all your travel in a 365-day period. When you're getting a quote for annual insurance, age doesn't matter! Your cost is the same whether you're 25, 75 or 95 years old. Seriously: Get a quote for an annual plan and see for yourself .
Best Travel Insurance for Seniors 2022
Best Value Plans for Seniors. Direct Asia 500: Affordable premium option. Income Classic: Good option for travellers looking for medical coverage. Aviva Plus: Offers flexible cancellation policies and good medical coverage. Allianz Travel Silver: High value for money option for those looking for travel inconvenience benefits.
Senior Travel Insurance (2022)
MSIG also has a range of insurance for pre-existing conditions, but the benefits are drastically reduced for those above 70. For instance, the overseas medical coverage limit falls from $250,000 to $50,000 for those above 70. NTUC travel insurance for senior citizens. It's not a MUST to spring for PreX.
Travel Insurance For Trips To Singapore
It can also ensure you meet Singapore's travel requirements. Travel insurance with Covid-19 medical coverage is required for all travelers entering Singapore. "You must have at least $30,000 ...
7 Best Travel Insurance in Singapore for Different Needs (2024)
Up to S$100,000 medical coverage for 70 years and above in age. Buy Now . Seedly Travel Secure. Buy Now . Families. ... MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage. Buy Now. ... Foreigners in Singapore can buy travel insurance from NTUC Income, FWD, Tiq, Sompo, Allianz Travel ...
Complete Guide To Buying Travel Insurance In Singapore
Now that you purchased the best travel insurance, be sure to note the following information before your trip: - Your policy reference number. - Claims procedure, including deadlines and documentation required. - Emergency hotline to contact your insurer, especially if your policy provides for emergency evacuation.
The Best Singapore Travel Insurance Options
Contrary to other things in Singapore, travel insurance is affordable here, ranging from US$45 to US$150 for a 30-day plan. You have many choices of travel insurance to choose from. Some mainly focus on medical coverage, while others provide comprehensive coverage on travel benefits. ACS Globe Traveller is an affordable option.
Best Senior Travel Insurance Of May 2024
We analyzed 24 policies and found that Seven Corners offers the best senior travel insurance, earning five out of five stars in our analysis. A solid travel insurance policy can safeguard your ...
7 travel insurance plans in Singapore for your vacation
Its annual travel insurance plan provides both travel and medical protection for multiple journeys made within a year. This means there's no need to go through the hassle of getting a new policy every time you leave Singapore. Allianz Assistance Travel Insurance, premiums start at $49/week for an individual traveller.
Travel Insurance for Singapore: The Best Options in 2024
Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore: 👥 Number of visitors. Around 19 million /year. Travel highlight. Singapore Botanic Gardens. 💸 Healthcare cost. 18th globally (above average) 🩺 Healthcare quality. Very good.
Travel Insurance
Comprehensive cover with over 50 benefits! TravelEasy protects your losses from travel cancellation to flight delays, stolen travel documents, overseas medical expenses incurred due to accidental injuries or onset of sickness*, and follow-up medical treatment after your trip.; COVID-19 travel insurance coverage is automatically included for Single Trips and Annual Plans.
Travel insurance for Singapore
Coronavirus and traveling to Singapore. Depending on your Country of Residence, World Nomads travel insurance offers c over for some COVID-19-related events. You should also do your research about the COVID-19-related travel restrictions and entry requirements - including PCR tests and proof of vaccination - for the countries you're ...
Compare Best Travel Insurance Singapore in 2024
S$ 12.65. ( S$ 4.22 /day) 35% offS$ 19.47. SingSaver's Exclusive Offer The right policy for you if you want: Hassle-free claims so you get reimbursed easily and quickly. Affordable comprehensive coverage for worry-free travel. 50% reimbursement, even if you have to cancel your trip for any reason.
Travel Insurance 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 ...
TourCare Plus
Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours ... The Policy does not cover any person under the age of 3 months or over the age of 85 years; Sum insured under Section 1-Personal Accident is reduced to S$50,000 (Standard) or S$100,000 (Supreme) for children age 17 years and below ...
Singlife Travel Insurance Plan
Our plan includes cover for accidental death & disability, overseas medical expenses and more. 24/7 Emergency travel assistance. Loss of frequent flyers points. Rental vehicle excess1. S$500. Loss or damage of baggage & personal belongings2. S$3,000. Accidental death & disability5. S$50,000.
TravellerShield Plus
Overseas Emergency Assistance. Call Chubb's Customer Service Hotline at +65 6398 8797 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays) or via email at [email protected]. If you are overseas and require any emergency assistance, you may call the 24-hr Chubb Assistance at +65 6322 2132.
Best Travel Insurance for Seniors Guide
Discover the best travel insurance for seniors with our guide, tailored to ensure safety. ... For adventurous senior citizens over the age of 70 years, ... CFAR covers up to 75% of total trip ...
Compare Over 75s Travel Insurance
Compare holiday insurance quotes from 44 trusted UK providers. 1. Find tailored travel cover at the right price by comparing deals from the UK's leading travel insurers. Start a Quote. 1 Accurate as of April 2024.

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