Does FWD Premium cover COVID-19?

Yes, if you add the COVID-19 rider. It covers up to S$200,000 in overseas medical expenses, S$5,000 for cancellations, and daily quarantine or hospitalisation allowances of S$50–100 (up to 14 days).

Is FWD Premium available as an annual plan?

Yes. The Annual Plan covers unlimited trips for 12 months (up to 90 days per trip). Ideal for frequent flyers and business travellers.

What’s the difference between Premium and First?

Premium offers S$200,000 overseas medical coverage, S$7,500 trip cancellation, and S$3,000 baggage cover. First increases these limits to S$1,000,000 medical, S$15,000 cancellation, and S$7,500 baggage.

Are high-risk activities covered under FWD Premium?

Yes, for leisure sports like scuba diving, skiing, hiking below 3,000m, skydiving, and bungee jumping. Professional or extreme high-altitude activities are excluded.

How fast are FWD claims processed?

Claims are submitted digitally via the FWD SG app or website. Approved payouts are credited directly to your bank account.

Can I get cover for pre-existing conditions?

Yes, with the optional rider (Single Trip, up to 30 days). Provides up to S$50,000 in overseas medical coverage plus partial co-payment protection for cancellations and disruptions.

MoneySmart Exclusive

Cancel for any reason add-on available

FWD Premium

^S$200,000

Med. Coverage (Overseas)

^S$7,500

Trip Cancellation

^S$3,000

Loss/Damage of Baggage

^S$200,000

Med. Coverage (Overseas)

^S$7,500

Trip Cancellation

^S$3,000

Loss/Damage of Baggage

Apply now and redeem any of these:

MoneySmart Exclusive

[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo when you're the first to submit a MoneySmart Claim Form at 20:00 daily! T&Cs apply.

[Travelling? Get Rewarded!]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 40% off Single Trip plans and 35% off Annual Travel plans with code FWDGSS. Valid from 11 to 12 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on

Valid till 21 Jun 2026

ARE YOU ELIGIBLE?

MoneySmart Exclusive: Promotion is valid from 01-June-2026 to 21-June-2026
MoneySmart x Travel Insurance June 2026 Giveaway: Promotion is valid from 19-May-2026 to 19-June-2026
Customers need to apply through MoneySmart to be eligible.
Customers need to submit the MoneySmart Claim Form by 22nd June 2026 to be eligible.
This promotion is valid for FWD Single & Annual Trip Travel Insurance.
To be eligible for the S$30 Revolut Cash Reward you must:
1. Check the Revolut marketing consent box in the MoneySmart claim form
2. Be a new Revolut customer and sign up for a new Revolut Account using the unique Revolut sign up link provided by MoneySmart
3. Top up your Revolut Account and use your balance to make a successful card transaction of at least S$30 within the Qualifying Period.

WHAT YOU NEED TO KNOW

Enjoy these promos from FWD:
• Get 40% off Single Trip plans and 35% off Annual Travel plans with code FWDGSS. Valid from 11 to 12 Jun 2026.
• Get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Exclusive to MoneySmart only
In order to qualify for your rewards:
a. Purchase any FWD Travel Insurance premiums with no min. spend.
i. S$30 Revolut cash reward*
*Each new Revolut user is entitled to receive only one (1) S$30 Cash Reward per Revolut account. Multiple claims per user or per account are not permitted.
*Rewards redemption will be sent 1 month after 30th June 2026
At times, you may need to make a claim under your insurance policy. Fret not, that's what insurance is for. Simply make your claim through FWD's Claims Page here.

T&Cs FAQ Claim Form

Plan Details

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What is FWD Premium Travel Insurance?

The FWD Premium plan is one of the flagship travel insurance offerings from FWD Singapore. Designed for both single-trip (up to 30 days per trip) and annual coverage (within a 12-month period; up to 90 days per trip), it provides a strong balance of medical protection, travel inconvenience benefits, and optional add-ons for extra peace of mind.

Here are its key coverage aspects to look out for:

Medical coverage

Up to S$200,000 for overseas medical expenses and unlimited emergency medical evacuation.

Trip cancellation

Reimbursement of up to S$7,500 for trip cancellations, postponements, or curtailments.

Baggage protection

Up to S$3,000 for lost or damaged personal belongings.

Travel delay

Compensation of S$300 for delays.

COVID-19 coverage

Available as an optional add-on, covering overseas medical expenses (up to S$200,000), cancellations (S$5,000), and quarantine allowances.

Adventure ready

Includes cover for leisure activities such as scuba diving, hiking (up to 3,000m), skiing, sky diving, and bungee jumping.

Pre-existing conditions

Pre-existing medical conditions must fall under FWD's list of recognised conditions: Allergies, asthma, epilepsy, diabetes, arthritis, lung disease, stroke, heart attack, high blood pressure, eczema, etc.

Available as optional add-on for single trips (up to 30 days), covering medical expenses overseas (up to S$50,000) with partial co-payment for cancellations and disruptions.

FWD Premium vs FWD Business vs FWD First Travel Insurance: Plan Comparison

If you’re comparing FWD Premium, FWD Business, and FWD First, the main differences come down to medical coverage, baggage protection, and trip cancellation limits. All three plans include optional add-ons like COVID-19 and pre-existing condition riders, with Business offering a mid-tier balance and First providing maximum protection.

Feature	FWD Premium	FWD Business	FWD First
Overseas Medical Coverage	Up to S$200,000	Up to S$500,000	Up to S$1,000,000
Emergency Medical Evacuation	Unlimited	Unlimited	Unlimited
Trip Cancellation / Curtailment	Up to S$7,500	Up to S$10,000	Up to S$15,000
Travel Delay	S$300	Up to S$800 (S$50 per 3 hrs)	Up to S$1,000 (S$50 per 3 hrs)
Baggage Loss/Damage	Up to S$3,000	Up to S$5,000	Up to S$7,500
Delayed Baggage	S$150	Up to S$600	Up to S$900
Personal Accident / Protection	Up to S$200,000	Up to S$750,000	Up to S$1,000,000
COVID-19 Coverage (Add-on)	Medical: up to S$200,000 Cancellation: S$5,000 Quarantine: S$50–100/day	Medical: up to S$200,000 Cancellation: S$5,000 Disruption: S$5,000 Hospitalisation: S$100/day (14 days) Quarantine: S$50/day (14 days)	Medical: up to S$200,000 Cancellation: S$5,000 Quarantine: S$50–100/day
Adventure Sports Coverage	Included (scuba diving, skiing, skydiving, hiking <3,000m)	Included (scuba diving, skiing, skydiving, bungee jumping, hiking <3,000m, hot air ballooning)	Included
Pre-existing Condition Add-On	Single Trip only: Medical up to S$50,000 + 50% co-pay for disruptions	Single Trip only: Medical up to S$100,000 + 50% co-pay for disruptions	Single Trip only: Medical up to S$150,000 + 50% co-pay for disruptions
Terrorism Cover	Included	Included	Included
Premiums (from)	S$27.64	S$40.15	S$50.85

Which plan should you choose?

Choose FWD Premium if you want cost-effective coverage for leisure or short regional trips, with reliable protection for medical emergencies, baggage loss, and cancellations.

Upgrade to FWD Business if you want mid-tier protection with higher limits on medical, baggage, and cancellations, but don’t need the absolute maximum.

Upgrade to FWD First if you’re a frequent flyer, long-haul traveller, or carry high-value items. Its higher limits on medical cover, baggage, and cancellations provide stronger financial protection.

✈️ See FWD Travel Insurance From Every Angle

Get a bird’s-eye view of all FWD travel insurance plans in one seamless page with our nifty comparison tool. Compare, click, and cover your trip in minutes.

Compare Plans

COVID-19 Add-On

Coverage: Up to S$200,000 for overseas medical expenses, S$5,000 for trip cancellations, and daily allowances of S$50–100/day for quarantine or hospitalisation (up to 14 days).

Availability: Single Trip (up to 90 days) and Annual Trip (up to 90 days per trip).

Note: Excludes known events or restrictions imposed before purchase.

Cancel For Any Reason (CFAR)

Coverage: Reimbursement if you cancel, postpone, or cut short your trip for any reason.

Eligibility: Single Trip only. Must be purchased within 7 days of your initial trip deposit.

Limitations: Subject to co-payment terms as per policy wording.

Pre-existing medical conditions (Add-on)

Coverage: Up to S$50,000 for overseas medical expenses. Includes 50% co-payment protection for cancellations, postponements, or disruptions related to pre-existing conditions.

Eligibility: Single Trip only, up to 30 days.

Ideal for: Seniors or travellers with chronic medical histories.

Adventure sports coverage (✅ Included)

Activities covered: Scuba diving, bungee jumping, skiing, skydiving, and hiking below 3,000m.

Note: Already included in the Premium plan; no rider required.

Terrorism Cover (✅ Included)

Protection against trip disruptions due to acts of terrorism comes bundled in the plan at no extra charge.

FWD Premium Coverage for High-Risk & Special Circumstances

The FWD Premium travel insurance plan is structured to protect most Singapore travellers, but it’s especially relevant to those with unique travel risks or circumstances.

Travellers with pre-existing conditions

With the pre-existing condition add-on (Single Trip only, up to 30 days), travellers get up to S$50,000 in overseas medical coverage. It also partially covers cancellations, postponements, or disruptions with a 50% co-payment. This makes it suitable for seniors or those with chronic illnesses who need added reassurance.

Senior travellers (aged 65+)

Older travellers can benefit from the same medical coverage of up to S$200,000, with unlimited emergency evacuation. While coverage for pre-existing conditions requires the optional rider, other medical and travel inconvenience benefits apply regardless of age.

Adventure & leisure sports

The plan includes protection for adventure sports activities such as scuba diving, skiing, hiking (below 3,000m), bungee jumping, and skydiving. These are covered without requiring a special rider, making it easier for adventurers to travel confidently.

Long or complex trips

For frequent travellers or those with extended travel plans, FWD Premium is available as an annual plan. This covers unlimited trips within 12 months, with each trip lasting up to 90 days. Optional add-ons like COVID-19 cover and CFAR (Cancel For Any Reason) give additional flexibility for unpredictable schedules.

FWD Premium Pricing, Examples & Payment Flexibility

The cost of FWD Premium Travel Insurance depends on your trip details such as duration, destination, number of travellers, and whether you select optional add-ons like COVID-19 or pre-existing condition coverage.

Base premium: The starting price you pay for travel insurance before any riders or add-ons are included.

Annual Coverage: Covers unlimited trips within 12 months (up to 90 days per trip), offering better value for frequent travellers.

In general, payments can be made securely via FWD Singapore’s online payment platform. Methods include major credit/debit cards and PayNow.

Scenario #1: Short regional getaway

A 7-day round-trip to Bangkok for one adult costs from S$27.64.

Scenario #2: Family holiday

A family of four on a 10-day trip to Tokyo can expect higher premiums, as pricing scales with the number of travellers and duration. COVID-19 and pre-existing condition riders will add to the total.

Premiums start from S$221.47 for a single annual plan.

Step 1

Apply for FWD Premium via MoneySmart

Click on the “Apply Now” button on this FWD Premium page to kickstart your application process.

Next, you’ll be redirected to our MoneySmart Rewards Form to fill up your email address to qualify and track the status of your MoneySmart Exclusive sign-up gift, if any.

Continue to use your MyInfo via SingPass to complete your digital application.

Step 2

Seek emergency assistance overseas

In case of a medical emergency or urgent incident abroad, call FWD’s 24-hour emergency hotline (+65 6322 2072) immediately.

Their global partners will arrange hospital admission, evacuation, or repatriation as needed.

Step 3

Upload and provide supporting documents

Collate all necessary proof before filing:

Medical: bills, discharge summaries, prescriptions.

Baggage/Property: police reports, airline baggage delay/loss confirmations.

Trip disruption: booking confirmations, cancellation letters, medical certificates.

Keep both digital and physical copies where possible.

For complex claims, complete the official Travel Claim Form (PDF) available on FWD’s website.

Step 4

Check plan-specific limits

Coverage limits vary by plan tier. Verify your benefits against your policy wording:

Overseas medical expenses: Up to S$200,000.

Trip cancellation: Up to S$7,500.

Baggage loss: Up to S$3,000.

COVID-19 coverage (add-on)

Overseas medical: Up to S$200,000

Emergency repatriation: Up to S$200,000

Hospitalisation allowance: S$100 per day (up to 14 days)

Quarantine allowance: S$50 per day (up to 14 days)

Cancellation before trip: S$5,000

Trip disruption: S$5,000

Step 5

Submit your claim promptly

File online through the FWD Claims Portal.

Provide accurate details of the incident and upload supporting documents.

If purchased via MoneySmart, also submit the MoneySmart Claim Form to secure any campaign rewards. Failure to do so will void reward eligibility.

FWD’s claims team verifies incident timelines, consistency of documents, and policy eligibility.

Additional clarification or documents may be requested if needed.

Complex cases (e.g. foreign-currency bills, multi-claim scenarios) may take longer for assessment.

Step 6

Track and follow up for reimbursement

After submission, track progress directly on the FWD Claims Portal using your claim reference number.

FWD aims to process most claims within 14 working days of receiving all required documents. Once approved, reimbursements are credited directly into your nominated bank account.

Payment limits are subject to policy caps, co-payments, and currency exchange rates.

For MoneySmart rewards, monitor confirmation emails and updates once your form is processed.

How to Choose the Right FWD Travel Insurance Plan?

Different types of travellers have different needs. Here’s how to decide if FWD Premium is right for you, or if you should consider another FWD option:

Students on a budget

Choose FWD Premium for affordable protection (from S$27.64) with essential benefits like up to S$200,000 overseas medical coverage and S$3,000 baggage cover.

Families with kids

Go with FWD Premium for family holidays, especially with its trip cancellation cover of up to S$7,500 and baggage loss protection. Add the COVID-19 rider for peace of mind when travelling with young children.

Row Title 3

Opt for FWD Premium + Pre-existing Condition Rider (Single Trip, up to 30 days). This gives up to S$50,000 overseas medical coverage and partial protection for cancellations or disruptions related to pre-existing illnesses.

Adventure seekers

Stick with FWD Premium—it already includes cover for leisure sports such as scuba diving, skiing, hiking below 3,000m, skydiving, and bungee jumping, with no extra rider required.

Business executives or frequent flyers

Consider upgrading to FWD First if you need higher coverage limits (e.g. S$1,000,000 overseas medical, S$7,500 baggage cover) and more generous travel delay benefits. For multiple trips, the Annual Plan is more cost-efficient.

Frequently Asked Questions About FWD Premium Travel Insurance

Does FWD Premium cover COVID-19?: Yes, if you add the COVID-19 rider. It covers up to S$200,000 in overseas medical expenses, S$5,000 for cancellations, and daily quarantine or hospitalisation allowances of S$50–100 (up to 14 days).
Is FWD Premium available as an annual plan?: Yes. The Annual Plan covers unlimited trips for 12 months (up to 90 days per trip). Ideal for frequent flyers and business travellers.
What’s the difference between Premium and First?: Premium offers S$200,000 overseas medical coverage, S$7,500 trip cancellation, and S$3,000 baggage cover. First increases these limits to S$1,000,000 medical, S$15,000 cancellation, and S$7,500 baggage.
Are high-risk activities covered under FWD Premium?: Yes, for leisure sports like scuba diving, skiing, hiking below 3,000m, skydiving, and bungee jumping. Professional or extreme high-altitude activities are excluded.
How fast are FWD claims processed?: Claims are submitted digitally via the FWD SG app or website. Approved payouts are credited directly to your bank account.
Can I get cover for pre-existing conditions?: Yes, with the optional rider (Single Trip, up to 30 days). Provides up to S$50,000 in overseas medical coverage plus partial co-payment protection for cancellations and disruptions.