Credit Card Travel Insurance: Which Credit Cards Offer Complimentary Travel Insurance Coverage (2023) | MoneySmart.sg

Credit Cards Offering Free Travel Insurance (2023)

Here are the top credit cards that offer complimentary travel insurance.

Check out the coverage & the card benefits before you apply

Up to $1,000,000
Citi PremierMiles Visa
Up to $1,000,000
DBS Altitude
Up to $500,000
UOB PRVI Miles
Up to $350,000
AMEX KrisFlyer
Up to $200,000
OCBC 365
Up to $500,000
CIMB Visa Signature

Citi PremierMiles Card Travel Insurance

MoneySmart Exclusive

LUCKY DRAW | Faster Gift Redemption

Local Spend: S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online: S$1 = 2 Miles
Selected Online Hotel Bookings: S$1 = Up to 10 Miles

Apply and Spend $500 to get an Apple iPad 10.2" 64GB**, 9th Gen** (worth S$503.65) OR EverDesk+ Lite (worth S$619) OR Xbox Series S (worth S$469.90) OR S$350 Cash via PayNow. PLUS stand a chance to win a ROLEX or PlayStation 5!!! T&Cs apply.

Valid until 15 Feb 2023

Citibank’s air miles cards allow you to earn miles that don’t expire, plus, you get complimentary travel insurance automatically upon full airfare charge.

It covers principal or supplementary cardmembers up to $1,000,000. And children get coverage up to $50,000. The complimentary travel insurance also covers medical & accidental dental expenses up to $40,000 per cardholder and $20,000 per accompanying dependent children.

You also get compensation for baggage loss, baggage delay, flight delay, trip interruption and trip cancellation.

AMEX Credit Card Travel Insurance Coverage

Convenience & Perks for Frequent Flyers

Local Spend: S$1 = 1.1 Miles
Overseas Spend: S$1 = 2 Miles
Grab rides: S$1 = 3.1 Miles

Purchase your travel tickets with your Card and receive free Travel Inconvenience & Travel Accident Benefits of up to S$350,000.

Missed connection, luggage delay are compensated at $200 per cardmember/family (max 2 pax) and baggage loss is compensated at $500 per cardmember/family (max 2 pax).

MoneySmart Exclusive

Convenience & Perks for Frequent Flyers

Local Spend: S$1 = 1.2 Miles
Overseas Spend: S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month: S$1 = 3.2 Miles

Get up to 21,500 worth of KrisFlyer Miles (worth a return trip to Bali or 1-way trip to Perth/Darwin via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.

Valid until 28 Feb 2023

CIMB Visa Signature Travel Insurance

MoneySmart Exclusive

Cash Back on Beauty & Wellness, Online Shopping, Groceries: 10%
Min. spend per month: ^S$800
Cash Back Cap: ^S$100

Apply and spend S$988 to receive a free ErgoTune Classic Ergonomic Chair (worth S$399) or $250 Cash via PayNow or $300 eCapitaVouchers. T&Cs apply.

Valid until 28 Feb 2023

MoneySmart Exclusive

Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency: 2%
Min. spend per month: ^S$2,000
Cash Rebate cap: Unlimited

Apply and spend S$988 to receive a free ErgoTune Classic Ergonomic Chair (worth S$399) or $250 Cash via PayNow or $300 eCapitaVouchers. T&Cs apply.

Valid until 28 Feb 2023

DBS Altitude Travel Insurance

Online Promo

Earn Miles That Never Expire

Local Spend: S$1 = 1.2 Miles
Overseas Spend: S$1 = 2 Miles
Hotel Transactions at Kaligo: S$1 = 10 Miles

Online Promo:

Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.

Valid until 30 Jun 2023

Online Promo

Miles or Cashback – you decide

Local Spend: S$1 = 1.5 miles or 1.5% cashback
Overseas Spend: S$1 = 2.2 miles or 2.2% cashback
when you pay the Card's Annual Fee: 25,000 Bonus Miles

Online Promo:

For a limited time only till 30 June 2023, get up to 60,000 miles when you sign up with promo code VANMILES and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.

Valid until 30 Jun 2023

UOB PRVI Miles Travel Insurance

Online Promo

High Miles Earn Rate

Local Spend: S$1 = 1.4 Miles
Overseas Spend: S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings: S$1 = 6 Miles

Online Promo:

Get up to 44,000 miles when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date. T&Cs apply.

Valid until 28 Feb 2023

Online Promo

Local Spend: S$1 = 1.4 Miles
Overseas Spend: S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings: S$1 = 6 Miles

Online Promo:

Get up to 44,000 miles when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date. T&Cs apply.

Valid until 28 Feb 2023

Online Promo

Local Spend: S$1 = 1.4 Miles
Overseas Spend: S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings: S$1 = 6 Miles

Online Promo:

Get up to 44,000 miles when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date. T&Cs apply.

Valid until 28 Feb 2023

Frequent Asked Questions

Do you get travel insurance with your credit card?: Many credit cards provide some level of travel insurance coverage if you charge your full fares to them. Usually the best cards that provide travel insurance are air mile cards, such as Citi PremierMiles Visa, DBS Altitude, UOB PRVI Miles and AMEX KrisFlyer. There are two cashback cards in Singapore that provide travel insurance too: OCBC 365 and CIMB Visa Signature Credit Card.
Does travel insurance cover me if I cancel my flight?: It depends on your policy. Look under the section "trip cancellation" to see if your travel insurance compensates when you cancel your flight. You will need to show proof of a valid cancellation reason: sickness, injury, death of either you, your family member, or travelling companion.
Does my credit card's complimentary travel insurance cover discounted flights?: Usually yes, on the condition that you charge your full fares to the card.