how to add travel insurance singapore airlines

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Review: New Singapore Airlines x Allianz travel insurance policy

Singapore Airlines' travel insurance is now provided by Allianz, and it's every bit an improvement over the previous AIG policy.

Singapore Airlines passengers have the option to purchase an exclusive travel insurance policy that provides coverage for overseas medical expenses (including COVID-19), accidents and travel inconveniences.

This was previously called Travel Insurance by Travel Guard (underwritten by AIG). Singapore Airlines has now replaced this with a new policy called Travel Protect by Singapore Airlines (underwritten by Allianz).

Coverage is available to Singapore Airlines passengers who are Singapore Citizens or Permanent Residents of Singapore, or Singapore Pass Holders and/or Work Permit Holders and their dependents residing in Singapore. Journeys must commence in Singapore.

I’ve gone through the new Allianz policy, and the good news is it’s a significant improvement from the previous AIG one- not only does it offer more coverage, it’s also cheaper to boot.

Allianz Travel Coverage

how to add travel insurance singapore airlines

Travel Protect by Singapore Airlines (which for convenience I’ll just refer to as the “Allianz policy” from hereon) provides up to S$1 million of overseas medical coverage and S$500,000 of emergency medical evacuation coverage (both including COVID-19).

The policy is available regardless of whether you bought your ticket with cash or redeemed miles. Coverage can be added either at the time of booking your itinerary, or subsequently via the Manage Booking function.

If you don’t see the option to add insurance, you’ll need to contact customer service at [email protected] or call +65 6245 4059 (Mon-Fri 0930 to 1730 SGT).

Under the Allianz policy wording , you’ll notice two columns: Comprehensive , and KrisFlyer Comprehensive.

Simply put, if you’re a KrisFlyer member (of any tier) during the period of insurance, you’ll enjoy KrisFlyer Comprehensive coverage. This provides additional coverage for medical expenses, rental car excess, loss of personal documents and more, and there’s no reason why you shouldn’t qualify for this.

Comparison: Allianz vs AIG

Here’s a summary of how the new Allianz policy measures up to the previous AIG policy. Do note the following:

I’ve used Allianz KrisFlyer Comprehensive as the basis of comparison since it costs nothing to join KrisFlyer
AIG’s values have a range because coverage depends on where you’re travelling to. AIG splits the world into three zones: ASEAN, Asia and International. ASEAN has the lowest coverage, while International has the highest
AIG also has some supplementary coverage for KrisFlyer members, so I’ve included it where relevant

There’s a lot of information in the table above, but what should immediately jump out is that Allianz not only offers more coverage in most areas, it’s also cheaper than AIG (unfortunately I don’t have historical AIG quotes for travel within Asia/ASEAN, so I can’t make that comparison).

Let’s look at some of the finer details below.

COVID-19 medical expenses & emergency medical evacuation

AIG’s policy covers up to S$350,000 of COVID-19 medical expenses, but Allianz covers up to S$1 million.

More importantly, under the AIG policy both COVID-19 medical expenses and emergency medical evacuation share the same cap (i.e. the maximum you can claim for COVID-19 medical expenses and emergency medical evacuation is S$350,000).

With Allianz, there is a separate cap for COVID-19 emergency medical evacuation of S$500,000.

Chances are, if your situation is bad enough to warrant medical evacuation to Singapore, you’ve already racked up a sizeable overseas medical bill. You’ll want to ensure there’s enough left over to cover the repatriation.

Quarantine allowance

If you’re diagnosed with COVID-19 overseas and are asymptomatic or mildly symptomatic, most countries won’t admit you to hospital. Instead, you’ll be issued with a quarantine order, which you’ll serve out in a hotel.

AIG provides a quarantine allowance that varies depending on country (max. 14 consecutive days):

ASEAN: S$50 per day
Asia: S$100 per day
International: S$200 per day

Allianz doesn’t mention a quarantine allowance, but you can make a claim under the trip interruption section for:

Such coverage applies when :

tl;dr: if you get a quarantine order due to COVID-19, you can claim up to S$150 per day for 14 days.

AIG would be more generous for travel outside of Asia and ASEAN, but otherwise Allianz is the superior option.

One-way trips

Given award space constraints, it’s not uncommon for miles collectors to book separate one-way tickets, even if their intention is to fly a round-trip.

While both policies cover one-way trips, AIG was much stricter in its wording. Cover for a one-way trip was limited to certain sections of the policy, commenced 3 hours before leaving Singapore, and ceased at the earlier of:

the expiry of the period specified in the insurance; or
your arrival at your first overseas destination

That made it highly impractical on its own. Most customers ended up having to write in to AIG and present 2x one-way tickets, in order to get quoted insurance on a round-trip basis.

Allianz is much kinder with its treatment of one-way trips.

If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip, as shown on your travel documents (not exceeding 30 days from the departure date shown on your travel documents). Additionally, your policy will end on the earliest of:

1. At 23:59 on the day you cancel your policy; or 2. At 23:59 on the day you file a trip cancellation claim with us; 3. At 23:59 on the day you end your trip, if you end your trip early; 4. At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or 5. At 23:59 on the 180th day of the trip

Trip cancellation

In terms of trip cancellation, AIG covers a pre-departure COVID-19 diagnosis, plus the usual reasons like death or serious sickness, witness summons, and natural disasters affecting your destination.

However, Allianz provides a much wider range of covered reasons (16 in total), including a COVID-19 diagnosis, a traffic accident on departure date, getting laid off from work, securing a new job, or having your travel documents stolen.

However, note that neither policy covers trip cancellation resulting from border closures or additional quarantine requirements (so they wouldn’t cover the current situation with Italy , for example).

Coverage of airline miles

Speaking of trip cancellation, AIG’s policy explicitly states that it will not cover the loss of air miles used to pay for the trip.

On the other hand, Allianz’s policy is silent about this subject; the only line I can find that refers to air miles is this:

I take it to mean they will cover such claims, insofar as they relate to the redeposit of airline miles.

Here’s the thing though. There are only two scenarios where you could lose your KrisFlyer miles due to a cancelled trip:

You booked a Spontaneous Escapes award , which is strictly non-refundable
Your airline miles have already expired at the time of refund (remember: miles validity is different from ticket validity; if this concept confuses you, read this article )

(1) isn’t an issue right now, because Singapore Airlines has suspended Spontaneous Escapes. With regards to (2), Singapore Airlines has granted extensions to all KrisFlyer miles so the earliest any will expire is April 2022.

In all other situations, you can pay a penalty fee to recover the miles used for your booking, as shown below.

Even if you miss your flight (i.e. no show), the miles are still recoverable. For example, if you made a Business Saver reservation and missed your flight, you’d pay a US$300 no show fee, plus a US$75 fee to change your dates.

Therefore it might not be all that important for travel insurance to cover miles at this juncture, since there’s no Spontaneous Escapes nor expiry.

Unless I’m missing something, Singapore Airlines’ new Allianz travel insurance policy looks to be every bit an improvement over the previous AIG one. Travellers enjoy more generous coverage for a lower fee, and this will more than satisfy the requirements for countries with mandatory COVID-19 travel insurance requirements (e.g. South Korea, Thailand).

Anything else you spotted in the policies worth flagging?

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Singapore Airlines Travel Insurance | AARDY.com

We are a huge fan of Singapore Airlines at TripInsure101. Its aircraft are always the most modern, the interiors are beautiful, and the staff go out of their way to be helpful. The on-board experience is second to none. Singapore Airlines continues to be the benchmark that the rest of the aviation world aspires to.

Travel insurance is available at checkout, so let’s book a sample trip, review the insurance offered, then see if we can get a better option in the open marketplace.

Singapore Airlines – Our Sample Trip

For our sample flight, our two travelers are flying from Los Angeles to Singapore on November 30 – December 16. Flights can be sorted by duration, price, arrival time or departure time. Looking at flights for our trip, the least expensive departure is $2539.78, which is the total for both travelers together.

Clicking on the fare, opens the details about that fare including penalty fees for cancellation, changes, and no-shows:

Comparing the two economy selections – Economy Standard and Economy Flex, for an extra $735, we can save $100 on cancellations, $50 for changes if we choose Economy Flex over Economy standard. Remember, this is the same seat. Same food. The exact same entertainment system. The difference is that if a traveler pays an extra $735 then they will pay less penalties. We will show later why it rarely, if ever, makes sense to buy anything other than a non-refundable seat.

After choosing our return flights, we can choose our seats for each leg.

Standard seats are free while extra legroom seats are $120. Final cost of our trip after selecting standard seating is: $5,359.36.

Finally, prior to payment, we’re asked if we’d like to insure our trip:

Singapore Airlines’ insurance is provided by Allianz, a well-respected travel insurer. Total cost for the insurance is $415.35.

Unfortunately, the only way to preview the policy is to accept adding it to the trip cost, which then allows us to view the policy details. The policy is called the ‘Global Travel Protector III” and the standard benefits are summarized below:

The policy will pay up to 100% of the trip cost if the traveler cancels for a reason listed in the policy such as illness or injury. Trip Interruption will pay the remaining pro-rated portion of the trip up to 100% (depending on how far into the trip before the interruption occurred), and the additional 200% would be to cover additional accommodation fees, reasonable transportation expenses to either continue the trip or return home and additional accommodate expenses if you must stay at your destination for longer than originally planned up to $250/day for a maximum of 5 days.

However, the Allianz policy only provides $50,000 of medical expense coverage and $50,000 of medical evacuation coverage. These amounts are far too low for overseas travel to Southeast Asia. Medical evacuation back to the US can run $25,000 per flight hour or more. With this policy, it would only cover two hours of flight time and the traveler would be responsible for the remaining bill! Not a pleasant thought!

Since the coverage is too low for travel to Singapore, let’s see if we can find a better option in the open marketplace through TripInsure101 .

TripInsure101 – The Travel Insurance Marketplace

TripInsure101 is a travel insurance marketplace. We work with some of the best travel insurers in the industry. Inputting our trip details into the quoting system at TripInsure101, we’re presented with 27 options to choose from.

With so many options, what would be the best policy to choose?

TripInsure101 recommends having a minimum of $100,000 of medical coverage and $500,000 of medical evacuation coverage for travel to Asia and points beyond.

The least expensive plan with adequate medical coverage is the Trawick First Class .

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage as well as trip cancellation, trip interruption, and baggage coverage. If we need to cancel prior to departure for a reason listed in the policy, such as illness or injury, we will receive a 100% refund of our trip costs. Best of all, the premium is $318.88, which is $96.47 LESS than the Allianz policy and provides three times the medical coverage and twenty times the medical evacuation coverage!

But what if we want maximum flexibility to cancel for ANY reason and not just for a listed reason? Do we have any options?

The answer is YES! A Cancel For Any Reason (CFAR) policy. Let’s take a look.

Cancel For Any Reason (CFAR) Policies

For maximum cancellation flexibility, a Cancel for Any Reason (CFAR) policy is a great option.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have can provide either a 50% or a 75% refund depending on the policy chosen.

Looking at our quote from TripInsure101, the least expensive CFAR policy with adequate coverage is the Trawick First Class (CFAR 75%). This policy provides the same benefits we saw above and adds the Cancel For Any Reason benefit if we purchase the policy within 10 days of the initial trip payment or deposit date. Total cost for both travelers combined is $542.10.

If we had to cancel for a listed reason in the policy such as an illness, we’d receive 100% of the non-refundable trip cost. However, if we cancel for a reason NOT listed in the policy, such as simply deciding we don’t want to go, the policy will refund us 75% of the trip cost. While $126.75 more than the Allianz policy, we get maximum cancellation flexibility as well as three times the medical coverage and twenty times the medical evacuation coverage.

Buying a non-refundable ticket and purchasing a Cancel For Any Reason policy has been called the TripInsure101 Flight Hack .

You will get nearly the same flexibility as a refundable ticket, plus a comprehensive insurance plan, and save hundreds of dollars on your flights. Refundable benefits, with non-refundable tickets!

Aardy – One Site – Many Carriers

Think of us at TripInsure101 as Amazon for travel insurance. At TripInsure101 we make comparing travel insurance easy. You do not need to go to every carrier. At TripInsure101 we provide binding quotes from our carries and present them in an easy-to-read format. The beauty of insurance comparison is you get to see all the best prices in the market.

Does TripInsure101 Charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed because of anti-discriminatory insurance law in the US. This is really powerful consumer protection.

A travel insurance marketplace like TripInsure101 will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip on Singapore Airlines and remember to pack your travel insurance.

Singapore Airlines Travel Insurance - Singapore | AARDY.com

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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I've spoken to SQ and the insurance provider, neither will help and each just refers me to the other. This is the best cover I have seen, it doesn't contain an exclusion based on our current travel advisory, and will cover for travel of several months duration (also often an exclusion). Really keen to even get an approximate sense of what the cost will be. Thanks!

Your location shows as Wellington so if it’s the insurance referred to here you may not be eligible

As suggested on the Singapore airlines website, you might try contacting the AIG Customer Service Hotline

If you shift the website location to NZ, you will see there is a specific insurance option for NZ citizens.

Tripadvisor staff removed this post at the original author's request.

I use SQ to fly as much as possible. I have never taken their travel insurance on any ticket because it has always been better for me to get that insurance elsewhere.

Either their cover is available cheaper elsewhere or as is the case these days now Im older, I get competitive travel insurance with wider cover including what SQ offer and normally for not much more cost but wider coverage.

I think that Myrm is right that you'll get a better deal looking for your own insurance product.

If you believe that this is the best product for you, then you will have to just persist with the carrier and AG. But I don't see how that can be the case if you don't know the price compared with other policies.

I have done a lot of research on the range of insurance products available, hence the question.

NZ has a level 4 travel advisory "Do not travel" to everywhere in the world except Australia and the Cook Islands. Every other insurance policy I've researched has a standard exclusion for the entire policy around travelling to countries where your country of origin has a government advisory at this level and/or no Covid cover (required for Singapore and other places I'm travelling to) and/or is limited to travellers under 59, and/or is limited trip length to 60 days or less and/or is not available to travellers from NZ

Very few NZ insurers are offering travel insurance at all, and international companies I would usually consider (I've looked at 20+ options) are not offering insurance to NZers. Even my insurance broker couldn't come up with a policy as good as the SQ one, and agreed at this time, it has the best range of features. If there are recommendations on insurance companies that cover the range of feature outlined above, I'd be overjoyed to receive them.

I'm not going to argue about this being the best policy for you, as you have researched and taken professional advice.

It's a dilemma that in my view will require more patience and persistence with SQ. I'd tell them that it's their site that is the issue, because it's their site that you (rightly) want to book on but you can't do what you want to do.

Thanks, I escalated this with SQ and then received a very terse response that they were not able to provide any assistance. They sell it as a add on but you cannot get any information about the cost of the insurance until you have paid for your ticket.

Just circling back on this, for travellers from NZ the SQ pricing and coverage is an excellent option - around $NZ900 for 4 months travel with good Covid cover, and no general exclusion for the NZ L4 travel advisory.

AIG will now give a general indication of cost for the duration of your travel if you ring them. I know from my research there are very limited and expensive travel insurance options available from local NZ companies so hopefully this will be helpful.

$900 for four months cover sounds really expensive to me. Our annual UK trip insurance is around £150 annually for two of us and each trip is allowed to be up to 90 days as many times per year.

Have you looked at World Nomads? Well known for offering flexible options.

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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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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!

Unlock Our GREATEST Travel Secrets!

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.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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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.

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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:

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

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Do I Need Travel Insurance for Singapore?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

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

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

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

Rental Car Protection

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

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

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

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

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

Trip Cancellation Insurance

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

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

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

How Much Does Singapore Travel Insurance Cost?

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

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

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

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

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

How Do I Get Travel Insurance for Singapore?

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

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

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

Singapore Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a Singapore Vacation Worth It?

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

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

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

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

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

Do you need travel insurance for Singapore?

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

Do tourists get free health care in Singapore?

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

Can I buy travel insurance after I depart for Singapore?

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

Plan & Book

Flight information, infinity mileagelands, business travel, please select your country / region of residence, travel insurance.

Why travel insurance

With trusted travel insurance from Allianz Travel, you’ve got a simple way to stay prepared if your travel plans are disrupted by the unexpected like COVID-19 and other illness, injury and more.

How to purchase

You can easily add travel protection when you book your flight- just look for insurance from Allianz Travel at check out.

Benefits of flying protected

Flight cancellation

Get reimbursed if you’re forced to cancel your travel plans for a covered reason, including COVID-19 or other illness, accidents, and more.

Medical emergency

Have medical benefits at the ready if you or a travelling companion is sick or injured during your trip-including abroad where your personal health insurance may not work.

Flight delays

Get compensated during a covered flight delay, which can help pay for meals while you wait and more.

Lost or stolen luggage

Get reimbursed for your personal effects if your luggage is lost or stolen at any point during your trip.

EVA Air partners with Allianz and offers insurance add-on through online booking for countries departed as below.

Please refer to below links for more information (Provided by Allianz)：

Hong Kong 香港- English , 繁體中文
Thailand 泰國- English , ไทย
Singapore 新加坡- English

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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.

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Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

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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Singapore Airlines is the flag carrier airline of Singapore with its hub located at Singapore Changi Airport. Singapore Airlines’ the ‘Singapore Girl’ is their brand figure.

We are a huge fan of Singapore Airlines at TravelDefenders. Its aircraft are always the most modern, the interiors are beautiful, and the staff go out of their way to be helpful. The on-board experience is second to none. Singapore Airlines continues to be the benchmark that the rest of the aviation world aspires to.

Travel insurance is available at checkout, so let’s book a sample trip, review the insurance offered, then see if we can get a better option in the open marketplace.

Singapore Airlines – Our Sample Trip

Clicking on the fare, opens the details about that fare including penalty fees for cancellation, changes, and no-shows:

After choosing our return flights, we can choose our seats for each leg.

Standard seats are free while extra legroom seats are $120. Final cost of our trip after selecting standard seating is: $5,359.36.

Finally, prior to payment, we’re asked if we’d like to insure our trip:

Singapore Airlines’ insurance is provided by Allianz, a well-respected travel insurer. Total cost for the insurance is $415.35.

Since the coverage is too low for travel to Singapore, let’s see if we can find a better option in the open marketplace through TravelDefenders .

TravelDefenders – The Travel Insurance Marketplace

TravelDefenders is a travel insurance marketplace. We work with some of the best travel insurers in the industry. Inputting our trip details into the quoting system at TravelDefenders, we’re presented with 27 options to choose from.

With so many options, what would be the best policy to choose?

TravelDefenders recommends having a minimum of $100,000 of medical coverage and $500,000 of medical evacuation coverage for travel to Asia and points beyond.

The least expensive plan with adequate medical coverage is the Trawick First Class .

But what if we want maximum flexibility to cancel for ANY reason and not just for a listed reason? Do we have any options?

The answer is YES! A Cancel For Any Reason (CFAR) policy. Let’s take a look.

Cancel For Any Reason (CFAR) Policies

For maximum cancellation flexibility, a Cancel for Any Reason (CFAR) policy is a great option.

Looking at our quote from TravelDefenders, the least expensive CFAR policy with adequate coverage is the Trawick First Class (CFAR 75%). This policy provides the same benefits we saw above and adds the Cancel For Any Reason benefit if we purchase the policy within 10 days of the initial trip payment or deposit date. Total cost for both travelers combined is $542.10.

Buying a non-refundable ticket and purchasing a Cancel For Any Reason policy has been called the TravelDefenders Flight Hack .

You will get nearly the same flexibility as a refundable ticket, plus a comprehensive insurance plan, and save hundreds of dollars on your flights. Refundable benefits, with non-refundable tickets!

Aardy – One Site – Many Carriers

Think of us at TravelDefenders as Amazon for travel insurance. At TravelDefenders we make comparing travel insurance easy. You do not need to go to every carrier. At TravelDefenders we provide binding quotes from our carries and present them in an easy-to-read format. The beauty of insurance comparison is you get to see all the best prices in the market.

Does TravelDefenders Charge More?

A travel insurance marketplace like TravelDefenders will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip on Singapore Airlines and remember to pack your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Debra Wallace

It was quick and the coverage is good

Easy to get information

Easy to get information. Questions answered quickly. Fairly reasonable price. Coverage availability for travel from the US to Israel.

linda deguglielmis

Recommended.

Helpful, patient, knowledge staff along with reasonable pricing. Hopefully I won't need to use it but if I do I hope it does all it says it will cover.

Rencanakan perjalanan
Hak Istimewa

Asuransi perjalanan

Explore new places and try foreign experiences with confidence when you travel. Even if the unexpected happens, you can be assured that you'll be taken care of. Simply add travel insurance while you're making a new flight booking on singaporeair.com, or to an existing itinerary via Manage Booking . Add travel insurance Selected Coverage for Epidemic and Pandemic Diseases - Including Covid-19 - On All Policies* Holidays are one of life’s great pleasures, and we want you to travel with peace of mind. All our policies include selected pandemic and epidemic coverage - if you fall ill and are diagnosed with Covid-19 either before your trip commences or during your trip.

* Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the terms and conditions. Online Brochure

Learn more about the comprehensive travel insurance benefits of Travel Protect by Singapore Airlines and how you can arrange for coverage on singaporeair.com.

Our 24/7 Assistance services is just a phone call away if something goes wrong with your trip. With a network of trusted providers in more than 78 countries, we can get you the help you need when it’s needed. We’re also on hand to help if you lose your travel documents, suffer a cancellation or delay, or have your belongings stolen.

Refer to the Frequently Asked Questions to learn more about the benefits and coverage of Travel Protect by Singapore Airlines, making changes to your policy and claims procedures.

Travel insurance

Policy Wording Claims Portal

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FAA briefly orders grounding of all Alaska Airlines planes

The Federal Aviation Administration briefly ordered a ground stop for all Alaska Airlines planes on Wednesday after the carrier began experiencing problems with a computer system upgrade.

The advisory was issued for all Alaska and Horizon flights after an issue arose “while performing an upgrade to the system that calculates our weight and balance”, the Seattle-based carrier said.

The airline added that they requested the ground stop “out of an abundance of caution”.

The ground stop was initially approved by the Federal Aviation Administration at approximately 10.50am ET. It was lifted just before 11.45am ET.

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It is not clear how many flights were affected, but the airline told The Independent that “residual delays are expected throughout the day”.

“We apologise for the inconvenience and encourage guests to check the status of their flights on alaskaair.com or the Alaska App prior to heading to the airport,” the airline said in a statement.

The airline’s fleet is comprised of 231 Boeing 737 aircraft and 83 Embraer 175 aircraft.

Earlier this year, Alaska Airlines was forced to cancel thousands of flights after a door panel blew off a 737 Max 9 aircraft shortly after takeoff.

Several passengers on board were injured in the incident, which grounded all Boeing 737 Max 9s and prompted investigations by the FAA and the National Transportation Safety Board, into the aircraft manufacturer and Spirit AeroSystems, which made the door plug.

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The complaint , filed on 20 February, alleged that the aircraft manufacturer’s negligence caused the incident in early January.

In March, the Federal Aviation Authority said that Boeing had failed to meet quality control standards during manufacturing, while another report raised concerns about staff being comfortable in reporting safety issues.

“Boeing must commit to real and profound improvements,” said FAA administrator Michael Whitaker. “Making foundational change will require a sustained effort from Boeing’s leadership, and we are going to hold them accountable every step of the way.”

Boeing CEO David Calhoun has said that the company “will develop the comprehensive action plan with measurable criteria that demonstrates the profound change that Administrator Whitaker and the FAA demand”.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

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Cheapest travel insurance of April 2024

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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
Atlas Journey Premier offers $150,000 in primary medical coverage.
Both plans have top-notch $1 million per person in medical evacuation coverage.
Each plan offers travel inconvenience coverage of $750 per person.
12 optional upgrades, including destination wedding and rental car damage and theft.
No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
Cheap trip insurance for cruises.
Offers a rare $150,000 for non-medical evacuation.
$500 per person baggage delay benefit only requires a 3-hour delay.
Optional rental car damage benefit up to $50,000.
Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

Free coverage for children 17 and under on the same policy.
$2,000 travel delay coverage per person ($250 per day) after 5 hours.
Hurricane and weather coverage after a common carrier delay of any amount of time.
Only $50,000 per person emergency medical coverage.
Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Baggage loss benefits of $2,500 per person.
Travel medical coverage is secondary.
Trip cancellation benefit for losing your job requires three years of continuous employment.
No “cancel for any reason” (CFAR) upgrade available.
Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
Bundle upgrades allow you to customize your affordable travel insurance policy.
Emergency medical and evacuation limits can be doubled with optional upgrade.
Base travel insurance policy has relatively low medical limits.
$300 baggage delay benefit requires a 12-hour delay.
Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

Best-in-class $2,500 per person in missed connection coverage.
$1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
Generous $2,500 per person baggage and personal items loss benefit.
Most expensive of the best cheap travel insurance plans.
No “interruption for any reason” coverage available.
Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

Age and number of travelers being insured.
Trip length.
Total trip cost.
The travel insurance plan you choose.
The travel insurance company.
Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price.

For example, compare these two Travelex travel insurance plans:

Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage.

Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage.
Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan.
Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need.

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

“Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days.
Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover.

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP).

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel.

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

Medical emergencies.
Trip delays.
Trip interruption.
Trip cancellation.
Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs.

Some common travel insurance add-ons you may want to consider include:

Rental car damage coverage.
Medical bundle.
Security bundle.
Accidental death and dismemberment coverage.
Adventure sports bundle.
Pet bundle.
Wedding bundle.
“Cancel for work reasons” coverage.
“Interruption for any reason” (IFAR) coverage.
“Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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