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6 Best Travel Insurance with COVID-19 Coverage in Singapore (2024)

After the pandemic, COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your trip. Whether you end up quarantined overseas or have to cancel the trip entirely, there are plenty of ways COVID-19 could make a trip go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to purchase  travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some offer far better coverage than others. Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions.

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be a wee bit overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done. Wipe away those tears of exasperation, because we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, high emergency medical coverage, and high trip cancellation coverage. If you’re an adventure seeker, refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.

If you’re ready to dive into the deets, we’ve compared the most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

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2. Bubblegum Travel Insurance

Bubblegum Travel Insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just one travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a great option for you. Their travel insurance is all-inclusive with coverage for travel cancellation, travel delay and COVID-19 at no additional cost. And if you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]    •  Enjoy 10% off  your policy premium, an Eskimo Global 1GB eSIM and Trip.com S$20 Hotel coupon with every policy purchased. •  Additionally, receive up to S$25  via PayNow with eligible premiums spent.  T&Cs apply.

Key Features

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

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

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

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

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

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day!

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you cashback when you purchase Bubblegum travel insurance:

• Get $15 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $80 to $119.99
• Get $25 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $120 and above

No matter how much your premium is, you’ll also receive an Eskimo Global 1GB eSIM worth USD7 —again, no minimum premium required.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[WIN FREE FLIGHTS | MoneySmart Exclusive]   •  Enjoy 25% off your policy premium, an Eskimo Global 1GB eSIM and Trip.com S$20 Hotel coupon with every policy purchased. T&Cs apply.   BONUS: stand a chance to win FREE flights , with no cap on the number of flight tickets in our giveaway. Increase your chances of winning when you refer friends today. T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $24 to $42, or just $3.43 to $6 a day!

You’ll also walk away with:

• The chance to win $188 cash (1 winner daily) or a Samsonite Apinex Spinner worth $600 (2 winners weekly)
• Complimentary Eskimo Global 1GB eSIM worth USD7 with every policy purchased

Promotion valid till 25 Feb 2024.

4. Starr Travel Insurance

Starr’s travel insurance is called Starr TraveLead Comprehensive , and they’re certainly a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you S$500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage, so go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze, Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[WIN FREE FLIGHTS | MoneySmart Exclusive]   •  Enjoy  42% off  your policy premium, an Eskimo Global 1GB eSIM and Trip.com S$20 Hotel coupon with every policy purchased. T&Cs apply. •  Additionally, receive up to S$45  via PayNow OR 1 x Apple AirTag  (worth S$45.40) with eligible premiums spent.   BONUS: stand a chance to win FREE flights , with no cap on the number of flight tickets in our giveaway. Increase your chances of winning when you refer friends today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

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

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

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

Seamless and Cashless claims via PayNow

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

With the ongoing 40% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

Plus, you’ll stand to gain these gifts when you purchase travel insurance from Starr:

• Guaranteed cashback of up to $52 cash via PayNow or 2 AirTags worth up to $90.80

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[WIN FREE FLIGHTS | MoneySmart Exclusive]   •  Enjoy up to   45% off  your policy premium, an Eskimo Global 1GB eSIM and Trip.com S$20 Hotel coupon with every policy purchased. T&Cs apply. •  Additionally, receive up to S$45  via PayNow OR 1   x Apple AirTag  (worth S$45.40) with eligible premiums spent.   BONUS: stand a chance to win FREE flights , with no cap on the number of flight tickets in our giveaway. Increase your chances of winning when you refer friends today. T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

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

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

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive lots of goodies with your MSIG travel insurance purchase:

• Guaranteed cashback of up to $42 cash via PayNow or 2 AirTags worth up to $90.80

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]    •  Enjoy up to   25% off  your policy premium, an Eskimo Global 1GB eSIM and Trip.com S$20 Hotel coupon with every policy purchased. •  Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.   [Singlife Promotion]

Get up to S$100 UNIQGIFT vouchers  from Singlife with annual multi-trip plan purchased. T&Cs apply.

Covers trip cancellation for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Payout of up to S$150** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums these goodies thrown in:

• Guaranteed cashback of up to $20 in cash via PayNow
• Complimentary Eskimo Global 1GB eSIM  worth USD7 with no minimum premium required

Promotion valid till 29 Feb 2024.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  45% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $21 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  $20 cashback and  60% off COVID-19 add-on for Annual Plans!

You can also get a complimentary  1GB   eSIM by JetPac  when you’re the  first 1,000 customers  to purchase any Tiq Travel Insurance plan.

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts.

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter  on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Starr travel insurance .

Starr TraveLead Comprehensive Bronze

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

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

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

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore.

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are three things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

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• Preschooler
• Mom And Dad

As you strategically plan to maximise your leave days for an overdue family trip, don’t get too caught up in the planning that you forget to keep yourselves protected while on your travels! With this list of family travel insurance, it’s important to get covered with a trusted company for the smoothest bon voyage.

To give you some sense of comparison with the prices, we’ve gone ahead to customise a basic single family travel insurance plan for 2 adults and 2 children, travelling to anywhere in SEA for a week:

1. FWD Insurance

Established in 2013 in Asia, you may have been acquainted with FWD’s brand. Priding themselves in providing customers with a seamless and fuss-free interface to purchase travel insurance via their website, simply click on this link to get a customised quote based on your travel details.

Basic coverage here will cost you about $43 (as with the proposed scenario). If you’re looking for basic coverage for your family travel insurance and just need something good enough to tide you through, FWD’s a no-frills choice for you.

They do have frequent promotions going on as well – so remember to punch in TRAVEL25 to get a bang for your buck.

2. Direct Asia

Having keyed in the customised quote , their basic family travel insurance plans go for a competitive rate from $40, offering free coverage for your kids! With that, it might also be a good idea to pay a couple more dollars to bump your family travel insurance plan to the next tier to increase your coverage by a fair bit more – quite a good deal, we reckon!

However, unlike all the previous brands we’ve mentioned, this brand only allows you to opt for a single country coverage instead of a regional one.

3. Singlife

Singlife provides coverage for overseas medical expenses, trip cancellation and loss of baggage for $79. Similar to NTUC, it provides up to $250,000 worth of overseas medical expenses claims for the basic plan, as well as $5,000 worth of trip cancellation. However, if you choose to opt for the advanced family travel insurance plans, Singlife does offer unlimited overseas medical expense claims at higher premiums.

Besides, this plan also offers free extensions including some COVID-19 related issues, as well as disappearance, terrorism, and motorcycling. If you’re a golfer or winter sport fanatic, this insurance plan might also catch your eye for other optional extensions.

Remember to key in TRAVEL18 for 18% off your purchases with your customised quotes .

4. NTUC Income

If you prefer opting for a household brand, NTUC Income offers competitive family travel insurance prices as with FWD Insurance. Should any family member have a pre-existing medical condition, you can also opt for coverage for it.

5. Allianz Travel

If you’re looking for an all-round coverage for your trip, Allianz Travel provides one of the best coverages. From trip cancellation up to $15,000 and emergency medical coverage of up to $1 million fo the whole family, there are other heavy coverages that this family travel insurance plan offers.

Of course, it does come with a greater price of $100 and above for the basic plan (after discount code). Type travelsafer into the promo code for 35% off!

Within the same price range as Allianz Travel, AIG also offers family travel insurance plans with higher premiums. However, we can understand why – with the long list of coverage they have, it not only includes overseas medical expenses and trip cancellation, but quarantine allowance, continuing medical expenses in Singapore as well as other scenarios such as hijacking, kidnap and hostage.

7. Great Eastern

A reliable house brand for insurance policies, Great Eastern’s family travel insurance offers a comparatively higher coverage for basic needs such as overseas medical expenses and loss of personal belongings. However, the downside is that the most basic plan does not cover COVID-19 needs – so you might have to bump your plan up a little more for a greater peace of mind. Premiums typically range from $150 to $300, depending on your choice of plan.

While MSIG may also be on the higher range of premiums for their basic family travel insurance plans , their insurance products provide the flexibility of covering a whole region of travel destinations. Furthermore, there is also COVID-19 coverage, regardless of plan you choose to purchase.

Similar to AIG, MSIG also has insurance extensions for unforeseen mishaps such as terrorism, war, hijacking and kidnapping.

Do note that these prices and coverage are also based on a specific scenario as proposed. Therefore, it is important to check the specifics of your personalised family travel insurance as per your plans.

It is highly likely that some countries require you to be covered by a certain medical expense amount in USD. Further, it will also be a good idea to check the extent of COVID-19 coverage your family travel insurance plans offers, and consider if you need to buy any extensions.

• family travel insurance

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Best Travel Insurance for Families & Groups 2024

Family vacations should be stress-free and making sure you and your loved ones are well-protected can offer invaluable peace of mind. After analysing 27 insurers and over 80 individual plans, our travel insurance analysts made it easy for you to compare and buy some of the top travel insurance plans for family or group travel.

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

• Cheapest Plans for Families
• Budget Direct Travel Insurance : Offers one of the cheapest plans on the market
• HL Assurance : Affordable plan for families regardless of destination
• Tiq Entry Plan : Is the cheapest family plan but provides quality coverage
• Direct Asia 150/200 : Premiums cost 50% below average for families; good choice for global coverage
• FWD Premium Plan : Combines affordable premiums with ability to customise coverage
• Best Value Plans for Families
• Allianz Travel Silver : Offers above average medical benefits and unique baggage damage coverage
• FWD First Plan : Competitively priced for those who want to maximise trip inconvenience coverage
• Aviva Prestige Plan : Good for families who take longer, adventure-filled trips
• DBS Premier Plan : Costs below average for 1-2 weeks of coverage

Highest Coverage Plans for Families

• FWD First Plan : More than double industry average trip inconvenience coverage
• Allianz Travel Platinum Plan : Unlimited medical and repatriation expense coverage
• MSIG Premier Plan : Offers 3-4x times the medical coverage compared to industry average
• DBS Platinum Plan : 3-5x the trip inconvenience coverage than industry average; covers extreme sports
• Cheapest Annual Plans for Families
• HL Assurance Enhanced : Cheapest annual global plan for families
• Wise Traveller Secure : One of the cheapest options for Asia coverage
• Allianz Travel Silver : Offer comprehensive coverage resulting in high value for money
• FWD Premium Plan : Higher than average trip inconvenience coverage

Cheapest Travel Insurance for Groups

Picking the best travel insurance plans for families.

We thoroughly researched and analysed 100's of data points from travel insurers in Singapore to find which plans will provide the best coverage for your family. You can compare our top picks based on price, region of travel and coverage.

• Cheapest for Families FWD, Budget Direct & more
• Best Value for Families Aviva, Allianz Travel & more
• Highest Coverage for Families FWD, MSIG & more
• Cheapest Annual for Families Allianz, Wise, HLAS & more
• Cheapest for Groups FWD, Etiqa & more
• Best Travel Insurance Promos FWD, Etiqa & more

Cheapest Family Travel Insurance for ASEAN and Asia Destinations

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

If you want to save on family travel insurance, Allianz Travel, Etiqa, Budget Direct, Direct Asia and FWD offer some of the cheapest travel insurance plans available. With all four basic plans costing between S$33-S$50 for a 1 week trip to the ASEAN region, whichever plan you choose can save your family up to 60% off the average cost of a family travel insurance plan.

For families who stick to the ASEAN region to visit family or go on generally short and cheap trips, Budget Direct may be a good option for you. In exchange for reducing benefits to medical, accident and baggage coverage, its single trip plans for families of 3 cost 50-55% below average. However, it does provide coverage for adventurous activities, so any activities you choose to do during your long weekend getaway will be covered (within limits).

Similar to Budget Direct, HL Assurance's Basic plan will be a great option for ASEAN and Asia trips. For a family of 3, it costs 50% below the industry average. However, it is a bit more generous with its benefits and can benefit families who are looking for a bit more value. While it doesn't increase its coverage for families, it does offer simple but useful coverage for things like missed connections, overbooked flights and medical coverage overseas and in Singapore.

Additionally, even though Etiqa Tiq's Entry plan provides decent medical and trip inconvenience coverage, as well as leniency when it comes to what they exclude from its coverage. It can be an affordable option for families who like to do simple outdoors activities like hiking, as Etiqa doesn't charge extra for adventurous activity coverage and provides coverage for a variety of sports.

If you are looking for plan that provides equal medical coverage for all members of your family, Direct Asia 150 or 200 plans , then Direct Asia will be a good fit for you. While its plans some of the cheapest, medical coverage for kids and adults are the same, so you can be sure that you won't be left with a large bill if your child ends up getting sick or gets into an accident. Best of all, children get covered for free.

FWD's Premium family plan is also one of the cheapest options for Asia, and provides coverage for things like sports, pet care and terrorism. It can be a good option for families who like to customise their coverage, as FWD offers plenty of add-ons.

FWD's Premium family plan is also one of the cheapest options for Asia, and provides coverage for things like sports, pet care and terrorism. It can be a good option for families who like to customise their coverage, as FWD offers plenty of add-ons. FWD also offers sports equipment coverage, so families who golf, ski or snorkel with their equipment will be covered in case it gets damaged.

Cheapest Global Travel Insurance for Families

For families who casually vacation to countries worldwide (outside of Asia), Etiqa's Tiq Entry , HL Assurance , FWD's and Direct Asia offer the cheapest global travel insurance coverage.

As the cheapest, Etiqa Basic costs around S$47 for a 1-week global trip (70% cheaper than the family basic plan average); Direct Asia's 150 plan costs S$60 and HL Assurance costs around S$71. While their price gives them a good value, all three plans offer modest coverage and may not be a good fit for those looking for comprehensive policies. You can expect Etiqa to be the most lenient out of the three plans, as it covers extreme sports and terrorism.

For families who casually vacation to countries worldwide (outside of Asia), Etiqa Basic , HL Assurance , FWD's and Direct Asia offer the cheapest global travel insurance coverage.

As the cheapest, HL Assurance costs S$71 for a 1-week global trip (55% cheaper than the family basic plan average). However, our other 3 plans are similarly a great bargain with average premiums costing 45% below average.While the prices are low compared to the industry average, these plans will cover you for all types of travel-related emergencies including medical coverage, missed connections, travel delays, trip cancellations and trip curtailment. These plans also provide adventurous activity coverage, so your family can go on hiking and skiing adventures.

Best Value Travel Insurance for Families

• DBS: 55% off Single Trips and 25% off Annual Multi-Trip Plans

The Allianz Travel Silver, Aviva, DBS Premier and FWD First plans will give you the greatest value for your dollar, with above average coverage and below average premiums for 1 week or annual ASEAN trips. Regardless of which insurer you choose, you will get a plan that is worth every dollar.

Allianz Travel's Silver plan is a great option for those looking for a high value, comprehensive plan with above average medical and trip inconvenience coverage. It also lets you claim for missing or damaged luggage that is carried on your person during travel, a rare feature among travel insurance plans.

FWD First's family plan is a great choice for those on a budget who want to maximise trip inconvenience coverage as it has almost triple the coverage compared to the industry average and below average prices for 1 and 2-week trips. It offers sports equipment coverage and covers a myriad of adventurous activities, so it could be a good option for families who are active on their trips.

Aviva's Prestige plan is a great value, albeit the most expensive, if you are planning on taking your family on longer adventure trips, as it offers great sports coverage and the highest medical and trip inconvenience coverage. You also have the flexibility to cancel your trip or change travel dates for any reason, which can benefit families with very busy schedules.

DBS Premier is also a great option as it costs below the industry family plan average for single trip ASEAN plans and is a good choice for 1 or 2 week trips, though it DBS starts to get pricey if you are looking for annual plans. Despite this, if you are looking for a plan will protect expensive family trips, DBS Premier will provide more than enough coverage with its S$45,000 limit for trip cancellation coverage.

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

If you are not concerned about budget and would rather have as much coverage as possible, FWD First, DBS Platinum, MSIG Premier and Allianz Travel Gold offer some of the most comprehensive travel insurance policies on the market.

If you want a lenient policy with excellent trip inconvenience coverage, FWD's First family plan has more than double the industry average trip inconvenience coverage. Even though FWD First's annual plans cost above the industry average, its 1 and 2-week rates are fairly competitive at S$90 for a 1-week ASEAN trip compared to the family plan industry average of S$101. This makes it a good choice for families who travel 1-2 times a year, but less so for families who want to save on annual plans.

For families looking for excellent medical coverage, Allianz Travel's Platinum plan has unlimited medical and repatriation expense coverage with up unlimited medical and emergency evacuation coverage.

MSIG Premier's family plan can also be a good option for those looking to maximise medical protection as they offer 3-4x as much medical and personal accident coverage compared to the industry average.

However, if you are looking for maximum overall protection, DBS's Platinum family plan has a total of S$3,000,000 of medical, S$1,500,000 of personal accident and a total of S$57,000 of trip inconvenience coverage—3-5x higher than the industry average. Families who are active during their holidays will also appreciate the extreme sports and other outdoor activities, which will cover you if you incur a sports or activity injury. There is also coverage for your pet, golfing, funeral expenses and rental vehicle excess. However, because DBS is the priciest option, so we recommend this plan only to families who are not concerned about cost.

Best Travel Insurance for Pregnant Women

While most travel insurers cover medical or personal accident expenses only if there is an accidental injury that causes complications with your pregnancy, Allianz and Aviva offer up to S$8,000 of pregnancy-related emergency medical expense coverage which can cover illnesses like nausea or dizziness, as well as emergency treatment related to pregnancy and childbirth.

For ASEAN and Asia travellers, Allianz Travel will be your best value, with above average medical emergency coverage (for pregnancy complications), 24/7 emergency services and above average travel inconvenience benefits.

For expecting mothers wanting to protect their trip itinerary, Aviva goes a step further by offering a free extension that will let you claim for trip cancellation, trip interruption (back to Singapore only) and replacement of a business traveller in the event of pregnancy-related emergency.

One thing to note is that there are still some exclusions to coverage including first trimester pregnancies, childbirth complications, pregnancy-related mental illnesses and fertility treatments. It is important to always read the terms and conditions to see where the limits of your pregnancy coverage begins and ends to avoid ending up in an unfortunate circumstance.

Premiums & Benefits

Cheapest annual travel insurance for families.

If you and your family travel often (more than 5-6 times per year) and you prefer to buy an annual travel insurance plan, the Wise Traveller, Allianz Travel Silver, HL Assurance, Budget Direct Basic, Etiqa Basic, and FWD Premium plans are going to be your cheapest options. Compared to the industry average of S$504.88 for an annual ASEAN plan, these plans cost 30-40% cheaper than the industry average.

HL Assurance's Enhanced plan is the cheapest annual global plan for families on the market, 40% below average, and offers comprehensive trip inconvenience coverage.

Wise Traveller is another very affordable option and can be a good fit if you care about trip inconvenience coverage. It is also one of the cheapest options for Asia Pacific coverage, with an annual premium of S$280 for 3 people.

FWD and Etiqa are great options for active families due to their flexible coverage policies, small amount of exclusions and included sports coverage. FWD can be a good fit if you care about travel inconvenience coverage, as it has higher than average coverage in that area compared to the basic plan average. On the other hand, if you want protection against possible terrorism, Etiqa' Tiq plans have terrorism cover for both you and your children. Both plans provide coverage for adventurous activities, so active families can rest easy knowing they can participate in fun excursions or ski/snowboard and still be covered.

FWD and Etiqa are great options for active families due to their flexible coverage policies, small amount of exclusions and included sports coverage. FWD can be a good fit if you care about travel inconvenience coverage, as it has higher than average coverage in that area compared to the basic plan average. On the other hand, if you want protection against possible terrorism, Etiqa has terrorism cover for both you and your children.

If you are travelling with a group of 4 adults or more and want to save on group insurance, DBS, FWD, Etiqa and Direct Asia will be your cheapest options. With premiums for a 1-week ASEAN trip ranging between S$19 and S$22 per person, these plans are either discounted for groups or are already cheap enough that you can purchase the plans individually and still pay less than the industry average for group plans. DBS, Direct Asia and FWD all have group options where the discounted rate ranges from 6% for FWD, 10% for Direct Asia and 20% for DBS classic.

FWD gives you a higher discount the more people you add to your group, with 20 people costing around 14% cheaper per person. It is generally a solid value option with premiums that are competitive and coverage that is comprehensive and customisable.

Etiqa's Tiq plans insure up to 10 people per trip and is one of the more affordable travel insurance options. Coverage is generally comprehensive enough, with industry average coverage for medical and trip inconvenience. It is also the first insurer to provide real time flight tracking for delays, which can be a beneficial feature when travelling with large groups. You can also include people who are visiting from overseas in your travel insurance group plan, which makes this plan a great option if you have friends from overseas who want to explore the ASEAN region with you.

If you travel with a group of friends or colleagues frequently, Direct Asia and Budget Direct offer annual plans for groups. However, you should note that Direct Asia only insures up to 6 people per trip. Also, even though Direct Asia cost around the same as DBS, it has below average for trip inconvenience and medical coverage, so it is not a good option for groups who want comprehensive coverage.

DBS will usually give you the highest coverage amounts and will cover extreme sports, but it is also slightly more expensive than the other plans on this list. However, similar to Direct Asia, DBS only covers up to 6 people per trip, so large groups may not find this plan suitable.

• Etiqa: 45% off single-trip and 30% off annual-trip travel insurance; add'tl 10% off on Fridays)

Travel & COVID-19 Updates

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

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

Methodology & Considerations

To pick the best travel insurance plan for families, we collected price and benefit data of all the available plans in Singapore based on a family of 2 adults and 1 child. Every insurer approaches family travel insurance plans differently—while some offer completely different coverage amounts and separate plans, others don't differentiate individual and family plans until you get to the premiums. For the latter plans, we used their child and individual coverage to estimate the maximum coverage for two parents and one child. Since insurers may include their promotions and discounts in their pricing, all of our prices reflect the final premium after discounts are taken into consideration.

To calculate the value of each plan, we created a weighted ratio of trip inconvenience (trip cancellation, baggage loss/delay, travel delay) coverage plus medical coverage and divided it by the premium of each plan to find out the amount of coverage you'll receive per dollar of premium. This ratio helped guide our decisions to the plans that will give you the best value or will provide the best coverage. If you would like to learn more about different travel insurance plans, or you want to look at our top picks for all the travel insurance plans, you can read our guide to the best travel insurance in Singapore.

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

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Featured Travel Insurance Companies

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• Direct Asia Travel Insurance
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• Aviva Travel Insurance
• HL Assurance Travel Insurance
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SAFE TRAVELS START WITH SINGAPORE'S BEST COVID-19 TRAVEL INSURANCE

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

Important Notice

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

current promotion

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

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

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

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

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

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

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

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

COVIDSafe Travel Protect360.

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

Enhanced Benefits with COVID-19 Cover

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

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

Travel No Claims Discount

Get Rewarded for Safe Travels

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

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

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

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

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

24/7 COVID-19 Travel Concierge

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

Best COVID-19 Travel Insurance Coverage

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

COVID-19 Quarantine Allowance

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

Enjoy No Claims Discount

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

Greater Flexible Coverage

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

Stay Protected From Travel Inconvenience

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

Enhanced Benefits of our Travel Insurance

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

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

Other Promotions

HL Bank Debit Card

Hl bank debit card travel insurance promotion.

Get up to $30 voucher when you sign up for COVIDSAFE Travel Protect360 and pay with HL Bank Debit Card.

*Terms apply.

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

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

  Hassle-Free Claims

Customer Review by Jack Wong

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

  Prompt And Excellent Service

Customer Review by H L

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

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

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

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

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

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 31 March 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

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

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

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

• The promotion is held from now until 31 March 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.

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

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

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

• The promotion is held from 26 September to 02 October 2023
• Customers who use promo code ‘HOLIDAY’ are eligible for an additional 20% off on top of 40% is applicable during this Promotion Period and is not valid with any on-going travel discounts, promotions, schemes or privileges.
• New purchases refer to purchases via HL Assurance website (as per stated above) and call center, and is not applicable to any purchase from HL Assurance’s agency partner.
• HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• HL Assurance full disclaimers, terms and conditions apply to individual products. © 2023 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• HL Assurance’s COVIDSafe Travel Protect360 Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for Lunar New Year Digital Ang Bao Draw

Please click the link for terms and conditions: Lunar New Year Digital Ang Bao Draw 2024 Giveaway Terms and Conditions

Win Your Dream Destination 2023 Terms and Conditions

• The Organiser for the WIN YOUR DREAM DESTINATION Contest is HL Assurance (Pte) Ltd of 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057 (“Organiser”)

Terms and Conditions

• These terms and conditions (“Terms and Conditions”) shall apply to “Win Your Dream Destination 2023” (“Contest”).
• By registering or taking part in this Contest, you agree to be bound by these Contest Terms and Conditions and the decisions of the Organiser concerning and in connection with this Contest.
• The Participants are deemed to have agreed that HL Assurance may contact you via voice call for the purposes of this Contest and/or Prize.
• Participants consent that their personal data may be used by HL Assurance and its affiliates, and may be disclosed by HL Assurance to its affiliates to send them marketing and promotional information and materials by post and/or emails.
• A person who is not a party to these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions and notwithstanding any terms herein, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of these Terms and Conditions.
• on our website
• on our social media page
• All information is correct at the time of publishing.

Qualifying Period

• The Contest qualifying period is from 01 March 2023 to 31 July 2023 (both dates inclusive).
• The Organiser reserves the right to change the Qualifying Period.

Eligibility and Participation

• You must have purchased COVIDSafe Travel Protect360 or CovidSafe Travel Assured policy (“COVIDSafe”) from HL Assurance during Qualifying Period.
• The purchase of COVIDSafe should not apply to any other promotion code, scheme, or privileges.
• COVIDSafe can be purchased via all platform or any of our Authorized Intermediaries.
• Participants must be Singapore Citizen or Singapore Permanent Resident or holder of valid Employment Pass, work permit, dependent pass, student pass, or long-term visit pass issued by the authorities in Singapore who are at least 18 years old.
• a. All permanent and/or contract employees (“Employees”) of HL Assurance and their immediate family members (i.e. spouses, children, parents, brothers, and sisters) (“Immediate Family Members”).
• The Organiser has the absolute discretion to determine the eligibility of Participants. Such determination shall be final and the Organiser is not obliged to give any reason for its determination

Allocation of Contest Chances

• The Participants will be given one (1) Contest Chance (“Chance”) for every one (1) point awarded during Contest Period based on Eligible Products, according to the table below
• The Organiser has the absolute discretion to disqualify any Chance that does not meet the Terms and Conditions. Such determination is final and conclusive, and the Organiser is not obliged to give any reasons for its determination.
• Participants are always subjected to these Terms and Conditions to be eligible to participate in the Contest. With every one (1) point awarded, each Participant is eligible for one (1) chance to enter the Contest.
• The Organiser reserves the right to, at any time in its sole and absolute discretion, replace and/or substitute any of the Prize(s) with any item of similar value.
• At the end of the Qualifying Period, the Organiser will select 20 eligible entries (“Winners”) on 17 to 28 July 2023.
• An email notification will be sent to the Top 3 Winners on 01 August 2023 to request for document (s) verification. In the event the Top 3 Winners are disqualified, the next Winner from the list of 20 eligible entries will be considered and notified.
• The finalized Winners will receive a separate email notification on Prize redemption details.
• Three (3) X SGD 3,000 for reimbursement
• Prize will only be reimbursed to Policy Holder and for Policy Holder’s flight ticket only
• Each winner can only be reimbursed with one flight ticket
• Policy Holder flight ticket travel dates used for reimbursement must be within Contest Period.
• Winners must produce evidence and/or purchase of air ticket with the name of the policy holders for verification where required.
• At the point of prize giving, winners must not have cancelled their COVIDSafe.
• Should winners purchase their flight ticket based on Krisflyer points or equivalent, HL Assurance reserves the rights to only reimburse each winner up to SGD 500.
• Participants must provide their details (i.e. full name as per NRIC, email address, and contact number) as requested by the Organiser after they are selected as the winners.
• The Prize is not transferable, exchangeable and/or redeemable for cash. The Organiser accepts no responsibility for any form of liability that may arise from the participant winning and accepting the Prize.
• The Prize cannot be resold.
• Each Participant will affirm the accuracy of all information provided at the time of submission for this Contest. Any misrepresentation of facts or particulars (deemed material by The Organiser) shall result in disqualification and/or the forfeiture, withholding, withdrawal or reclaiming of any prizes won.
• The Prize is provided as-is with no warranty or guarantee. All applicable laws and regulations apply, including but not limited to tax laws. Each Winner is liable for any and all tax obligations arising from the award of the Prize to him/her.
• The Winners must present printed email Winner notification and any identification document(s) (as may requested by the Organiser) to redeem the Prize.
• The Winners are required to self-collect their Prize at the HL Assurance’s office, 11 Keppel Road, #11-01 ABI Plaza Singapore 089057 on or before 18 August 2023 during office hours. The Contest Prize that are not collected after 18 August 2023 shall be forfeited and HL Assurance reserves the rights to deal with all unclaimed prize in any manner deemed fit.
• The Organiser reserves the right, at any time in its sole and absolute discretion, to substitute, withdraw, add to or alter the Prize(s) offered without notice to the participants.
• The Organiser’s decision at all stages of this Contest and on the winners is final and no correspondence will be entertained. No enquiries, appeals, verbal or written, shall be entertained. The participants shall accept and abide by any and all decisions made by the Organiser concerning, without limitation, these Terms & Conditions, the rules, procedures and regulations of this Contest, the award of prizes and any other matters relating to this Contest.
• If, for any reason this Contest is not capable of running as planned, including without limitation, infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures or any other causes beyond the control of the Organiser which corrupt or affect the administration security, fairness, integrity or proper conduct of this Contest, the Organiser reserves the right in its sole discretion to disqualify any individual who tampers with the process, and/or to cancel, terminate, modify or suspend the Contest. The Organiser assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration in relation to the Contest.
• The Organiser is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email to be received by the Organiser on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to Participant’s or any other person’s computer related to or resulting from participation or downloading any materials in this Contest.
• LIABILITY, INDEMNITY AND RELEASE: In consideration for the Organiser accepting the Participant’s participation in the Contest, to the fullest extent permitted by law, the Participant releases and forever discharges the Organiser from all claims that Participants may have or may have had but for this release arising from or in connection with any Participant’s participation in this Promotion. Participants indemnifies and holds harmless the Organiser to the extent permitted by law in respect of any claim by any person, arising as a result of or in connection with Participant’s participation in the Promotion. For the purposes of this clause, claim(s) means and includes any action, suit, proceeding, claim, demand, damage, penalty, cost or expense however arising.
• This Contest is subject to the laws of Singapore, the Personal Data Protection Act 2012 (PDPA) and HL Assurance’s Privacy Policy located at: https://www.hlas.com.sg/policyonpersonaldata/. The Organiser collects personal information (PI) in order to conduct the Contest, and may be used for this purpose, disclose PI to third parties, including but not limited to agents, contractors and service providers and to any government authorities and agencies. This Contest is conditional on Participants providing his/her PI. Please read HL Assurance’s Privacy Policy carefully to understand how HL Assurance may use Participant’s PI and rights of Participants.
• Any costs incurred by a Participant associated with entering the Contest, including accessing the HL Assurance’s website, telephone enquiries in relation to the Contest are the sole responsibility of Participants.
• Headings and subheadings are inserted for convenience only and shall not be used to interpret the text of these Terms and Conditions in any way averse to an interpretation in favour of the Organiser.</
• These Terms and Conditions constitute the entire agreement of the parties relating to the participation and conduct of the Contest.

Terms and Conditions for “Geneco Travel Promotion”

• The promotion is held from now until 31 March 2023.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Policy during the Promotion Period will be entitled to Grab E-vouchers(“Gift”), provided that the policy is not subsequently cancelled.
• This promotion is not applicable with other promotions.
• This promotion is valid for new purchases made via HL Assurance web at: https://app.hlas.com.sg/redirect?type=travel&referral=SEP&tripType=annual and is not applicable to any purchase from HL Assurance’s agency partner.
• The E-voucher will be sent to an Eligible Policyholder’s email address (based on HL Assurance’s records), within fourteen (14) business days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
• All details and particulars submitted in the application form must be accurate, true and complete.
• HL Assurance is also not obliged to replace any Shopping Vouchers where email address provided by policyholder is invalid or incorrect.
• The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
• HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
• HL Assurance is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
• All vouchers and gifts are to be collected at HL Assurance Main office.
• HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
• HL Assurance full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for “Geneco x HLAS Spin-and-Win”

• The promotion is held from 24 January 2022 to 28 February 2022 (both dates inclusive).
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip Policy during the Promotion Period will be entitled to a $20 Fairprice Voucher(“Gift”), provided that the policy is not subsequently cancelled.
• This promotion is only applicable for new purchases made via HL Assurance web at https://www.hlas.com.sg/personalinsurance/travelinsurance/
• Upon successful payment of policy, Qualified Customers will receive a redemption letter after fourteen (14) business days (excluding Saturday, Sunday and Public Holidays).
• HL Assurance is also not obliged to replace any FairPrice Vouchers where email address provided by policyholder is invalid or incorrect.
• HL Assurance’s Maid Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for "HL Bank Debit Card Travel Insurance" Promotion

• The Promotion is held from 28 May 2022 to 30 June 2022, 11:59pm (both dates inclusive).
• This promotion is valid for new purchases made via HL Assurance web : https://www.hlas.com.sg/personalinsurance/travelinsurance/ or HL Bank Travel insurance page: https://www.hlbank.com.sg/en/personal-banking/insurance/lifestyle/travel-insurance.html and is not applicable to any purchase from HL Assurance’s agency partner.
• The E-voucher will be sent to an Eligible Policyholder’s email address (based on HL Assurance’s records), within fourteen (14 working days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
• HL Assurance is also not obliged to replace any vouchers(“Gift”) where email address provided by policyholder is invalid or incorrect.
• HL Bank’s Debit Card Terms & Conditions and Cardmember Agreement shall apply, a copy of which may be accessed on the HL Bank website.

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

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

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Q: Is dental treatment covered while I am overseas?

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

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

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

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

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

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

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

Q: How to buy travel insurance from HL Assurance?

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

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

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

Q: Can I buy travel insurance after departure?

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

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

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

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

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

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

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

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

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

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

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

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

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

Q: What does COVIDSafe Travel Protect360 Insurance cover?

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

All plans cover the following travel benefits:

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

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

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

File a travel insurance claim, claims procedure and documentation.

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

Common documents required for all Travel Insurance Claims:

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

Supporting documents needed when making a claim for:

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

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

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

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

Thank you for insuring with us.

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• Get up to 20% off

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

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

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

Great Eastern App exclusive offer - A chance to win 100% cashback on your Travel purchase!

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

Key benefits

Extended coverage for travel inconveniences due to covid-19.

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

Comprehensive worldwide protection with extensive medical coverage

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

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

Protect against unexpected travel cancellation and inconveniences

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

Complimentary benefits at no extra premium 2

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

Your questions answered

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Q15: Who can purchase TravelSmart Premier?

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

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

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

Q17: Who is considered Family under TravelSmart Premier?

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

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

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

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

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

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

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

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

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

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

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

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

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

Yes, please select all destinations on your itinerary.

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

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

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

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

Q26: Does the policy cover business travel?

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

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

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

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

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

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

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

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

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

Q31: Are any countries excluded from coverage?

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

Q32: Does TravelSmart Premier cover adventurous activities?

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

Q33: Does being pregnant affect my travel insurance cover?

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

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

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

Q35: Who decides when emergency evacuation is necessary?

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

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

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

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

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

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

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

Q39: How do I file for a claim?

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

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

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

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

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

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

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

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

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Understand the details before buying

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

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

2  Not applicable for Basic Plan.

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

Information correct as at 22 June 2022.

* Enjoy up to 20% off when you purchase Classic or Elite TravelSmart Premier Plans 

Use promo code < TSP20% > for 20% off single trip 2-way plan or < TSP10A > for 10% off annual multi-trip plans

Promotion is valid from 1 January 2024 to 31 March 2024. Terms and conditions apply. 

+ 100% rebate is applicable for TravelSmart Premier purchase on the Great Eastern App. 

10 winners will be chosen during each of the qualifying purchase periods.

Promotion is valid from 1 October 2023 to 31 March 2024. To view the full terms and conditions, click here .

Use the Great Eastern App to make a faster purchase today!

Singapore Travel Insurance

Travel insurance for singapore.

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

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

How does Travel Insurance work in Singapore?

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

Traveling with pre-existing Medical Conditions? 

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

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

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

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

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

Medical Benefits:

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits:

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

Baggage Benefits: 

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

Additional Optional Travel Benefits:

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

Do I need Travel Insurance for Singapore?

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

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

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

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

How much does Travel Insurance cost for Singapore?

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

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

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

Our Suggested AXA Travel Protection Plan 

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

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

AXA covers three types of medical expenses:

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

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

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

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

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

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

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

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

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

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

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

2. When should I buy Travel Insurance to Singapore?

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

3. Do Americans need travel insurance in Singapore?

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

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

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

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

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

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

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Travel insurance Singapore with Covid 19 Add ons | Tiq Singapore

Tiq Travel Insurance

Coverage | Resources | FAQs

Tiq Travel Insurance Promotion

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Chinese New Year Promotion 2024

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

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Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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See what our customers say, important notes:.

This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 25 March 2024.

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Single Trip Travel Insurance

• Annual Multi-Trip Travel Insurance
• Family Travel Insurance
• Schengen Travel Insurance
• International Health For Individuals
• International Health for SME
• Travel Insurance Promotion
• COVID-19 Alerts

Get 55% Off Single Trip Travel Insurance Singapore

If you're only taking one overseas trip this year, don't leave anything to chance. Single Trip travel insurance from Allianz Travel includes selected Covid-19, epidemic and pandemic cover .

Single Trip Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19.*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Get 55% Off Single Trip Travel Insurance

• For One-off Trips: Single trip plans are suitable for an occasional traveller or those who are looking for a quick getaway. 
• Starts From S$22.20

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.
• Identify closest hospitals & arrange and pay for transport*
• Advance payment for in-patient services, where accepted*
• Provision of medical escort if needed, subject to availability*
• Arrange payment to return home*

Paperless Online Claim

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.

55% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'holiday55'

1. is valid until 11 Mar 2024

2. ‘holiday55’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

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

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

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Designed for essential travel and medical coverages only

From S$ 15.75

Well-balanced coverages for most type of travels

From S$ 25.20

Inclusive of an extensive scope of travel protection

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. 

Travel Insurance Catered to Different Needs

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.

Single Trip Travel Insurance Singapore

Planning a one-time adventure or a short getaway? Allianz Travel Insurance offers reliable Single Trip Travel Insurance with options to meet your varied needs. From our bronze plan that covers the essentials to our extensive coverage in our silver and platinum plans , you can embark on your journey from Singapore with confidence, knowing that you're covered for  unexpected events.

Our single trip travel insurance policies provide extensive coverage, including medical expenses, trip cancellations, lost baggage, and medical emergencies among others. Whether you're travelling from Singapore to Malaysia, the Philippines, Australia, India, Japan, or any other destination, our travel insurance has got you covered.

At Allianz Travel, we understand that affordability is crucial when considering travel insurance. That's why we offer competitive rates and strive to provide cheap travel insurance in Singapore without compromising on coverage. We believe that everyone should have access to reliable protection for their travels, regardless of their budget.

Don't let unforeseen circumstances ruin your travel plans. With Allianz Travel Insurance to a wide array of destinations, you can have peace of mind knowing that assistance is just a call away. Travel with confidence and protect your journey with us. Buy your single trip travel insurance today and ensure a worry-free travel experience.

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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.