travel insurance needed for singapore

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Covid-19 Insurance

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

Singapore Travel Insurance

Travel insurance for singapore.

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

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

How does Travel Insurance work in Singapore?

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

Traveling with pre-existing Medical Conditions? 

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

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

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

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

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

Medical Benefits:

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits:

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

Baggage Benefits: 

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

Additional Optional Travel Benefits:

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

Do I need Travel Insurance for Singapore?

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

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

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

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

How much does Travel Insurance cost for Singapore?

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

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

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

Our Suggested AXA Travel Protection Plan 

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

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

AXA covers three types of medical expenses:

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

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

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

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

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

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

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

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

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

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

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

2. When should I buy Travel Insurance to Singapore?

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

3. Do Americans need travel insurance in Singapore?

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

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

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

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

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

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

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Top Travel Insurances for Singapore You Should Know in 2024

Byron Mühlberg

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

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

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

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

Singapore Insurance Profile

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

Best Travel Insurances for Singapore

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

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

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

Do I Need Travel Insurance for Singapore?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Singapore

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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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.

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

But think again…

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

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

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

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Healthcare in Singapore

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

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

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

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

Crime in Singapore

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

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

Issues Facing Travellers in Singapore

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

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

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

Common Activities in Singapore

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

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

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

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

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

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

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

Emergency Accident & Sickness Medical Expenses

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Anything Else?

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

Adventure Sports and Activities

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

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

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

Accidental Death and Dismemberment

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

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

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

Gear and Electronics Cover

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

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

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

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

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

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

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

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

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

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

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

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.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

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

Iati Seguros

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

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

Standard Plan

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

Insure My Equipment

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

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

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

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

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

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

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

Final Thoughts on Singapore Travel Insurance

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

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

Aiden Freeborn

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• Destinations
• Singapore Travel Insurance Requirements

Last updated: 03/07/2024

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

Squaremouth’s Singapore Travel Insurance Recommendations

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

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

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

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

Click here to begin your search for Singapore Travel Insurance.

Singapore Travel Insurance Trends and Data

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

Destination Rank: 62

Percentage of Squaremouth Sales: 0.32%

Average Premium: $445.28

Average Trip Cost: $5,983.40

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

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

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

Steven Benna, Lead Data Analyst: [email protected]

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Inbound Travel Insurance

SG Travel Insured is a COVID-19 travel insurance plan specially designed for short-term foreign visitors arriving in Singapore, excluding Singapore Residents. 

As part of the COVID-19 travel insurance and medical treatment guidelines for inbound travellers, all short-term visitors who are not vaccinated will need to have travel insurance for their COVID-19-related medical treatment and hospitalisation costs in Singapore, with a minimum coverage of S$30,000. From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore for entry into Singapore 1 . As one of the appointed insurer by the Emerging Stronger Taskforce Alliance for Action (EST-AfA) on Enabling Safe and Innovative Visitor Experiences to provide inbound travel for foreign visitors, SG Travel Insured provides up to S$250,000 coverage for COVID-19 related costs. With 4 plan types with different levels of coverage to choose from and affordable premium from as low as S$19.15, SG Travel Insured helps defray the costs of COVID-19 medical treatment in Singapore and provides greater peace of mind in the event of other travel mishaps due to COVID-19.

COVID-19 Related Benefits

• Hospitalisation and Medical Expenses
• 24-hour Assistance Hotline
• Repatriation of Mortal Remains  (optional add-on)
• Trip Cancellation  (optional add-on)
• Trip Curtailment  (optional add-on)
• Hospital Cash  (optional add-on)

What is SG Travel Insured?

SG Travel Insured is an inbound travel insurance, with COVID-19 cover, specially designed for short-term visitors to Singapore. 

Do all travellers entering Singapore require mandatory insurance coverage?

(Updated on 31 March 2022) In addition to pre-departure COVID-19 tests and entry visa (where applicable), foreign short-term visitors who are not fully vaccinated must also purchase travel insurance, with a minimum coverage of S$30,000, for COVID-19 related medical treatment and hospitalisation costs, prior to their travel to Singapore.  From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore.  For more information visit the ICA website here:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

I am fully vaccinated. Do I still require COVID-19 Travel Insurance?

From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore [1] . You may wish to review your current protection plans to assess if COVID-19 Travel Insurance is relevant to your needs. A COVID-19 Travel Insurance policy like SG Travel Insured  can help foreign short-term visitors defray the costs of COVID-19 medical treatment in Singapore and provide greater peace of mind in the event of other travel mishaps due to COVID-19. 

Does SG Travel Insured provide the mandatory insurance coverage requirement?

Yes, the mandatory insurance coverage is S$30,000 for COVID-19 related medical treatment and hospitalisation costs in Singapore and SG Travel Insured provides  up to S$250,000 coverage  for COVID-19 related costs.

Who can purchase SG Travel Insured?

SG Travel Insured is available to short-term visitors travelling from all countries and territories^ (except Sanction countries*).

^ Please note that this is subject to change, depending on the developments of the COVID-19 situation.

* Sanction countries refer to: Iran, Syria, Cuba, North Korea, North Sudan, Crimea and Venezuela.

Can I purchase SG Travel Insured for my child?

You may purchase SG Travel Insured for your child who is between the age of 1 month to 17 years old as long as:

• he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days); and
• he/she is accompanied by you.

I’m an Employment Pass holder currently residing in Singapore. Can I purchase SG Travel Insured for a family member who will be visiting Singapore for short-term stay?

Yes, you may purchase SG Travel Insured for your family member as long as he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days).

Does SG Travel Insured provide cover for Training Work Permit workers on work pass in-principle approvals (IPAs)?

No, this policy does not cover Singapore Residents and training work permit workers falls under this category. Singapore Resident means Singapore citizen, Singapore permanent resident, a holder of a valid work permit (training work permit included), employment pass, dependant’s pass, long-term visit pass, S pass or student pass issued by the authorities in Singapore.

Where can I purchase SG Travel Insured?

You can get a quote or purchase SG Travel Insured online ( click here ).

Do I need to provide any documents when purchasing SG Travel Insured?

No, you’re not required to submit any documents. You will only need to complete the required fields during your online policy application ( click here ). 

1 SafeTravel by the Immigration and Checkpoints Authority (ICA). COVID-19 Travel Insurance and Medical Treatment for Inbound Travellers:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

Purchase SG Travel Insured now

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With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

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Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*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 Allianz Travel Policy Wording.

^Terms & Conditions.

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1. is valid until 28 May 2024

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4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

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From S$ 17.50

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Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

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 Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

Discover Our Travel News & Tips

Are you always worrying on too many things about your travels?

Travel should be peaceful… worry-free… pleasant… and any great adjectives that you can think of right now.

Understanding Travel Insurance Terms and Exclusions

Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

Travelling to EU Countries with Allianz Travel Singapore

Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

Tips for Planning a Budget-Friendly Travel Adventure

Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

What To Take Note of Before Making a Travel Insurance Claim?

Planning to make a travel insurance claim? Our article covers essential tips to keep in mind, from preparing documents to filling out claim forms.

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

Mon – Fri, 9:00 - 17:30 Singapore Time

e-mail: [email protected]

For customer service

call: +65 6327 2210 

Allianz Travel: How Can We Help?

24 hour emergency assistance.

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Travel Insurance for a Trip to Singapore (2024)

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

in under 2 minutes

with our comparison partner, Squaremouth

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

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

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

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

Compare Singapore Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Singapore?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

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

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

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

Rental Car Protection

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

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

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

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

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

Trip Cancellation Insurance

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

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

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

How Much Does Singapore Travel Insurance Cost?

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

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

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

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

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

How Do I Get Travel Insurance for Singapore?

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

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

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

Singapore Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a Singapore Vacation Worth It?

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

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

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

Frequently Asked Questions About Travel Insurance in Singapore

How can i claim flight compensation.

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

Do you need travel insurance for Singapore?

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

Do tourists get free health care in Singapore?

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

Can I buy travel insurance after I depart for Singapore?

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

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

Best Travel Insurance Policies for Places Prone to Natural Disasters (2024)

When it comes to natural disasters, Singapore is a sheltered island. How sheltered? Based on data from 2023, we have the 4th lowest disaster risk in the world . So on this island refuge, it can be easy for us to feel detached from earthquakes, tsunamis and cyclones.

But it’s a different reality for many of our Asian neighbours. For example, China lies where the Eurasian, Pacific, and Indian Ocean plates meet—a region with high tectonic activity. Between 1990 to 2024, Statista reports that China recorded 186 earthquakes, the highest number in the world. According to the Global Facility for Disaster Reduction and Recovery, the earthquakes that hit China account for one third of destructive continental earthquakes globally. Yikes.

If you’re travelling to earthquake-prone places like China,  Japan or  Bali , you want to make sure your travel insurance policy covers you in the event that your trip gets affected by natural disasters. Here’s what you need to know.

Guide to Best Travel Insurance for Countries Prone to Natural Disasters

• Best travel insurance for natural disasters
• How do I choose the best travel insurance for an area prone to natural disasters?
• What are some things that travel insurers might exclude?
• How do I make a travel insurance claim if a natural disaster strikes?
• Is it safe to travel to areas prone to natural disasters?

1. Best travel insurance for natural disasters

You won’t see a separate category for natural disaster coverage in travel insurance policies. Instead, insurers count natural disasters as one of several factors that may cause a trip cancellation, postponement, delay, or curtailment.

Let’s assume you’re going on a week-long trip to an ASEAN country. Here’s a summary of the non-discounted costs and coverage of different travel insurance policies for trip disruptions and inconveniences due to national disasters.

Back to top

2. How do I choose the best travel insurance for an area prone to natural disasters?

Before you buy your travel insurance, you need to do research on the following:

• What kinds of natural disasters that area is prone to
• How your travel insurance policy defines natural disasters  

The first question to ask is what kinds of natural disasters the place you’re visiting is prone to , if any. For example, is the area near an active volcano that might lead to a volcanic eruption? Does it sit on the Pacific Ring of Fire, where 90% of the world’s earthquakes take place?

At this point, also look out for disaster warning announcements —if you’re forewarned that a natural disaster may occur but still go on the trip, you won’t be able to make insurance claims.

Additionally, don’t forget about natural disasters that you don’t hear about as often, such as hail, ice storms, landslides, heat waves, and wildfires. These are important to consider because not everyone may consider them natural disasters—including your insurers.

Once you know what natural disasters your destination area is prone to, check if your travel insurance policy defines them as natural disasters . Some insurers may limit their claims to trip disruptions due to specific disasters such as typhoons, earthquakes and tsunamis. If you have to cancel your trip due to a heat wave but your insurance policy doesn’t consider that a natural disaster, your claims won’t be approved.

For example, here’s how “natural disaster” is defined by AIG travel insurance :

Comparatively,  MSIG travel insurance  listed fewer types of natural disasters as examples and described natural disasters as natural events with catastrophic effects:

A good rule of thumb is to choose a travel insurance policy with a broad definition of natural disaster . Don’t assume this is always the case, especially if you’re buying travel insurance from an airline.

3. What are some things that travel insurers might exclude?

Travel insurers generally define natural disasters as any event or force of nature which has catastrophic consequences on the environment, finances or human life.

Most types of natural disasters such as earthquakes, volcanic eruptions, floods, typhoons, tsunamis, hurricanes and so on can fall under this category if they are serious enough. If you feel light tremors causing no damage, you’re unlikely to be able to make a claim.

Do note, however, that many insurers have exclusions on nuclear risks and exposure to nuclear radiation , even if this was caused by a natural disaster. For example, the Tohoku earthquake in 2011 caused the meltdown of three nuclear reactors, leading to the Fukushima nuclear disaster. Insurance would cover you for the earthquake, but may not cover you for the nuclear disaster.

The most important thing to note is that most insurers will not cover you if you already knew about the natural disaster risk in the area, but decided to book the trip or buy the travel insurance policy anyway . Insurers will usually include such announcements as travel advisories or warnings, such as this one from FWD:

So let’s say you have already read in the news that a volcano is about to erupt in a certain destination, and you go ahead and book a trip there anyway. If you end up having to cancel your trip because the volcano erupted, you are unlikely to get reimbursed for your travel expenses.

4. How do I make a travel insurance claim if a natural disaster strikes?

Recall that insurance policies don’t have a claim category for natural disasters. Instead, you’ll usually have to make a claim under one of the following: 

• Travel cancellation : You are unable to depart for your trip due to unavoidable, unforeseen circumstances.
• Travel postponement : You already booked your trip, but are forced to change your travel dates and book another ticket for a later date.
• Travel delay : You end up departing for your trip at a later time than scheduled, e.g. due to a delayed flight. Insurers stipulate the exact number of hours that count as a delay—usually 6 hours. Note: Don’t mix travel (i.e. flight) delay up with baggage delay !
• Trip curtailment/shortening : You are already on your trip, and have to cut it short due to an unexpected event that happened during the trip.

Pro tip : You don’t have to pore through each travel insurance policy wording to find out these claim limits! View them easily on our MoneySmart travel insurance comparison page.

What kinds of expenses can be claimed under the categories above? Typically, a travel insurance policy should pay for additional travel and accommodation expenses incurred should your trip be disrupted due to a natural disaster in the country you’re in or travelling to.

If a natural disaster does occur while you’re travelling ( choy! ), contact your insurer as soon as possible, and preferably before incurring additional expenses like hotel bookings. They will advise you on the documentation you need to provide in order to make a claim, which might include receipts or police reports.

Finally, this has nothing to do with insurance, but it’s a good idea to call the Singapore Embassy in the country you’re in and ask for emergency contacts in case you need urgent consular assistance. You should also eRegister your overseas travel with the MFA so they can search for you if you go missing in any natural disaster ( choy! ).

5. Is it safe to travel to areas prone to natural disasters?

As we mentioned earlier, your insurance claims won’t be approved if you were forewarned about a natural disaster risk but chose to go on your trip anyway. So in this case, if you haven’t booked your tickets yet, you probably shouldn’t. But what if you’ve already booked your flight? Is it safe to go on your trip? Will you be refunded if flights are cancelled?

That was exactly what happened in October 2017, when it was announced that Mt. Agung in Bali was expected to erupt for over a month. After the last eruption in 1963 killed over 1,100 people, everyone in 2017 who booked a ticket to Bali was left wondering: Will I get killed if Mt. Agung erupts again? Should I still travel to Bali? If so, what can I do to protect my safety?

If a disaster warning surfaces after you’ve booked your tickets, here’s what you need to know:, 

• It’s generally safe to travel to another area in that country far from the disaster threat. In the case of Mt Agung,  there are tourist spots in Bali far away enough to not be affected by the volcano. So if you don’t have plans to travel anywhere near the Bali volcano, you can still go ahead with your travel plans. Furthermore, the authorities will clear out people in the danger zone, and will put up red alert exclusion zones where the lava and ash may potentially reach. So, if you’re ever stumbling too near the danger zone, you’ll definitely know.
• Flights will be cancelled and rescheduled by your airline. If the situation gets bad, your airline will cancel their flights to destinations near where the natural disaster is expected to occur. Flights booked that are deemed unsafe to proceed  will likely be rescheduled without any additional fees. Of course, this is subjected to availability and fare differences. Alternatively, some airlines may also allow refunds.
• Airports will be closed if the natural disaster occurs nearby. In the case of Mt. Agung in Bali, the volcano erupted on 26 November 2017, leading to the closure of the Ngurah Rai International Airport because of the ash cloud. While ideally you’d be ferried to other airports in neighbouring islands to take your flight out, there’s also the chance that a widespread eruption might affect road travel and neighbouring airports too. If the eruption warning came when you were already in Bali, your insurance will cover your expenses while you’re stranded.

Have you ever experienced a natural disaster while travelling? Did you buy travel insurance ?

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