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Compare the Best Travel Insurance Online in Singapore 2024 | Up to 60% OFF
Use MoneySmart's travel insurance comparison tool to discover the best travel insurance online and secure deals for lost baggage, medical emergencies, flight delays, and other critical coverages.
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[GIVEAWAY | MoneySmart Exclusive] Enjoy 60% off your Single Trip policy premium. Get over S$105 worth of rewards including: • Up to S$50 via PayNow OR an Apple AirTag (worth S$45) with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Score exciting gifts on top of existing rewards: • Apple AirPods 4* (worth S$199). T&Cs apply. • S$100 Revolut cash reward . T&Cs apply.
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Destination: Thailand
Duration: 21 Nov 2024 - 23 Nov 2024
Total Premium
Allianz Travel Silver
[GIVEAWAY | MoneySmart Exclusive] Get over S$130 worth of rewards including: • Up to S$45 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
HL Assurance Travel Protect360 Basic
[GIVEAWAY | Receive your cash as fast as 30 days*] Get over S$95 worth of rewards including: • S$10 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Score exciting gifts on top of existing rewards: • Nintendo Switch OLED. T&Cs apply. • S$100 Revolut cash reward . T&Cs apply.
FWD Premium
[Prizes worth over S$25,000 | MoneySmart Exclusive] Get over S$55 worth of rewards including: • S$30 Revolut cash reward • S$20 iShopChangi vouchers • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply. Ready to Travel like a Millionaire and win over S$25,000 in prizes? • Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500) • 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100) • 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply. • S$100 Revolut cash reward. T&Cs apply.
MSIG TravelEasy Standard
[GIVEAWAY | MoneySmart Exclusive] Get over S$130 worth of rewards including: • Up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon* • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Score exciting gifts on top of existing rewards: • Apple iPad 10.9-inch 64GB (10th Gen). T&Cs apply. • S$100 Revolut cash reward. T&Cs apply.
Zurich Travel Insurance Essential
[Prizes worth over S$25,000 | Receive your cash as fast as 30 days*] Get over S$105 worth of rewards including: • Up to S$20 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Ready to Travel like a Millionaire and win over S$25,000 in prizes? • Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500) • 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100) • 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply. • S$100 Revolut cash reward. T&Cs apply.
INCOME Standard Classic
[Prizes worth over S$25,000 | FLASH DEAL] Enjoy 60% off your Single Trip policy premium and get additional 50,000^ STAR$® with worldwide plans purchased. Discounts valid till 22 Nov 2024. T&Cs apply. Get over S$95 worth of rewards including: • S$10 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Ready to Travel like a Millionaire and win over S$25,000 in prizes? • Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500) • 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100) • 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply. • S$100 Revolut cash reward. T&Cs apply.
DirectAsia Voyager 150
[Prizes worth over S$25,000 | Receive your cash as fast as 30 days*] Get up to S$75 worth of rewards including: • Up to S$25 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • S$20 iShopChangi vouchers Ready to Travel like a Millionaire and win over S$25,000 in prizes? • Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500) • 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100) • 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply. • S$100 Revolut cash reward. T&Cs apply.
Singlife Travel Lite
[GIVEAWAY | SmartRewards | Receive your rewards as fast as 30 days*] Get over S$115 worth of rewards including: • Up to 510 SmartPoints OR S$30 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. Use SmartPoints to redeem your favourite product from our Rewards Store today. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
Great Eastern TravelSmart Premier Classic
[GIVEAWAY | MoneySmart Exclusive] Enjoy 45% off your Single Trip policy premium. Get up to S$60 worth of rewards including: • S$10 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers with every policy purchased. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
[GIVEAWAY | FLASH SALE] Enjoy 55% off Single Trip and 80% off COVID-19 add-on Annual Trip. Discount is valid till 21 Nov 2024. T&Cs apply. Get S$40 worth of rewards including: • S$30 Revolut cash reward • S$10 iShopChangi vouchers with every policy purchased. T&Cs apply. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply. [Tiq Promotion] PLUS, get FREE Travel Insurance (worth S$30) when you are new to Tiq. T&Cs apply.
AIG Travel Guard® Direct - Basic
[GIVEAWAY | MoneySmart Exclusive] • Enjoy an exclusive 20% off your policy premium. Get over S$75 worth of rewards including: • S$30 Revolut cash reward • S$10 iShopChangi vouchers • S$30 Trip.com Hotel Coupon • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
Bubblegum Travel Insurance
[GIVEAWAY | Receive your cash as fast as 30 days*] Get over S$80 worth of rewards including: • Up to S$25 via PayNow with eligible premiums spent. T&Cs apply. • S$30 Revolut cash reward • Up to S$20 iShopChangi vouchers • Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
MSIG TravelEasy Pre-Ex Premier
Starr TraveLead Comprehensive Gold
DirectAsia Voyager 500
HL Assurance Travel Protect360 Premier
INCOME Standard Preferred
Zurich Travel Insurance Prestige
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Best Travel Insurance in Singapore 2024
Comparing the coverage of the best travel insurance in singapore, understanding the different travel insurance types: single vs. annual, individual vs. family plans, single-trip travel insurance.
Ideal for occasional travelers, single-trip insurance covers individual trips, typically lasting up to 180 days. It’s cost-effective for infrequent travelers and easy to purchase online with prices going as low as $4/day for a 3-day trip to Southeast Asia. Example: Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice in Australia.
Annual Multi-Trip Travel Insurance
Designed for frequent travelers, annual multi-trip plans cover multiple trips within a year. You only need to purchase it once for 12 months of coverage, making it a great option for those intending to make multiple long trips or short getaways abroad in a year. Example: Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.
Individual travel insurance plans
Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.
Family travel insurance plans
Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.
What Do Singapore Travel Insurance Plans Cover?
While pricing is important when comparing travel insurance, factors like overseas medical and trip cancellation coverage are equally crucial. Coverage details vary by insurer, so here are key aspects to consider when choosing the right plan.
Overseas medical expenses
- Claim for necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days).
- Coverage limit is specified according to the selected plan.
- Some plans have tiered coverage limits for different age groups.
In-hospital cash overseas or allowance
- Reimbursement in cash for hospital stays.
- Commonly included in many plans, especially after the Covid-19 pandemic.
Emergency medical evacuation and repatriation
- Fundamental coverage for costs incurred during emergency medical evacuation and repatriation (including repatriation of mortal remains to Singapore).
- Ensure someone contacts the insurer’s emergency service on your behalf, providing: your full name, trip dates, NRIC/FIN number, policy number, location, and contact number. As well as the nature of the emergency and required assistance.
Trip cancellation and interruption
- Coverage for trip cancellations, postponements, delays, and interruptions.
- May be applicable if you or relatives traveling with you are diagnosed with severe illness or injured before the departure date (subject to terms and conditions).
Baggage and personal belongings
- Coverage for lost, stolen, or damaged baggage and belongings.
- Baggage delay compensation if your luggage is delayed.
- Some providers can also offer separate coverage for gadgets like phones, laptops, cameras, etc.
Pre-existing conditions
- Not commonly included in most plans, but available with certain insurers like MSIG, Income Insurance (formerly known as NTUC Income Travel Insurance, and Etiqa.
- Usually has higher premiums compared to regular plans.
- Provides coverage for overseas medical expenses related to pre-existing conditions.
Does Travel Insurance Cover Cancelled Flights?
Not always! While travel insurance includes “trip cancellation” coverage, claims are only valid for insured events like illness, accidents, or unforeseen events (riots, natural disasters). Be sure to check the policy for exclusions.
Flight Cancellation Due to Known Event
Flight cancellations due to events already publicly known at the time of ticket purchase are not covered, as you're expected to be aware of them. However, coverage applies if you bought your flights and insurance before the event was made public
Flight Cancellation with Refund / Replacement
If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.
You Cancelled Your Own Flight / Trip
Travel insurance typically covers events beyond your control. If you decide to cancel your trip, you generally can't claim anything unless your policy includes a "Cancellation for Any Reason" benefit. However, during pandemics or major events, airlines may waive cancellation penalties as a goodwill gesture. Always check with your airline and insurer for updated policies during such situations.
What Customers Say about their Travel Insurance Purchase
Review by doreenngsk ng.
"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."
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Review by Ron Tay
"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"
Review by Jodel Tan
"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."
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Travel Surveys
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How do travel claims work?
Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.
Get your supporting documents ready
Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).
Fill in your details and attach your supporting documents in your submission
Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.
Receive an acknowledgement email and await for settlement
After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.
Frequently Asked Questions
What is the average cost of travel insurance in singapore, what's the difference between single-trip or annual multi-trip travel insurance.
- Single-trip insurance covers you for one trip, ideal for individuals or families going on a single holiday, especially longer trips (up to 180 days).
- Annual multi-trip insurance covers multiple trips within a year, each under 180 days. It's best for frequent travelers (10+ trips a year), offering convenience and cost savings as you're covered for the whole year without needing to buy insurance for each trip.
Are family travel insurance plans cheaper?
Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.
We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.
Does travel insurance cover flight cancellation due to illness?
Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..
Find out the worst airlines with delays and cancellations according to Singaporean travellers.
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