Best Credit Cards With Complimentary Travel Insurance Coverage (2025)
Several credit cards offer complimentary travel insurance. That is, on the condition that you charge your full flight fares to them. Which of them have the best travel insurance coverage and complement your everyday lifestyle? We analyse it in further detail below.
What You Need To Know About Complimentary Travel Insurance
Before embarking on your next adventure, it is always vital to consider your safety and be prepared for any unexpected emergencies like a global cyber outage, epidemic outbreak or natural disasters.
Your credit card can be a lifesaver during such situations as you can turn to it to pay for necessities or even emergency medical expenses overseas. While many credit cards offer complimentary travel coverage, is it really enough? Let's delve into the key benefits of such coverage and weigh the pros and cons, before making a decision.
How Credit Card Complimentary Travel Insurance Works?
Credit card complimentary travel insurance is quite a common perk offered by many credit card issuers in Singapore nowadays. Essentially, you get travel insurance coverage at no additional cost when you use your credit card to purchase specific travel components.
Here’s a general overview of how it works:
Here’s a general overview of how it works:
Eligibility and Activation
Coverage
Pros & Cons Of Complimentary Travel Coverage By Credit Cards
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Which Credit Cards Provide Complimentary Travel Insurance?
MoneySmart Exclusive
FASTER REWARD FULFILMENT | EARN CITI MILES
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
Apply and spend S$500 within 30 days to choose your reward: S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
The Citi PremierMiles Card offers HL Assurance-backed travel insurance coverage, providing up to S$1,000,000 for accidental death and permanent disablement, S$40,000 for medical expenses, S$100,000 for emergency evacuation, and protection against travel disruptions like lost or delayed luggage. It also includes COVID-19 medical expenses and a hospital allowance. Coverage activates when you use the card to pay for round-trip airfare or the taxes and fees on an award ticket.
Note: There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please refer here.
Note: There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please refer here.
Online Promo
American Express 30 Million Miles Giveaway
American Express Singapore Airlines KrisFlyer Credit Card
- on eligible Singapore Airlines & Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
Online Promo: Valid until 31 Jan 2027
- 11,000 KrisFlyer miles with min. spending of S$2,000 within first 3 months of Card approval.
- 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
AMEX KrisFlyer Credit Cardholders who use their card to pay for airfares enjoy automatic travel insurance, underwritten by Chubb. This coverage applies to both cash and award tickets, provided taxes and fees are paid with the AMEX KrisFlyer Credit Card.
The plan includes up to S$350,000 for accidental death or permanent disability on public transport, plus protection for travel disruptions like missed connections and baggage delays.
Online Promo
American Express 30 Million Miles Giveaway
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
Online Promo: Valid until 31 Jan 2027
- 20,000 KrisFlyer miles with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval.
- 20,000 KrisFlyer miles on your first spend in the 15th month of Card Membership and upon annual fee payment.
- 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
Cardholders of the AMEX KrisFlyer Ascend who use the card for airfare, whether for cash tickets or award tickets with taxes and fees paid via the card, receive automatic travel insurance from Chubb. This includes S$1,000,000 in coverage for accidental death or permanent disability on public transport, along with protection for travel inconveniences like missed connections and baggage delays.
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Unlimited 2% Cashback
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cashback cap
- Unlimited
Get S$50 Cash when you apply and spend a min of S$2,000 within 60 days from card approval! T&Cs apply.
PLUS get a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) from CIMB spend a min of S$2,000 within 60 days from card approval. T&Cs apply.
Charge your full travel fares to your CIMB Visa Infinite card and enjoy complimentary travel insurance coverage for you and your family, underwritten by Sompo. This coverage includes up to S$1,000,000 for accidental death and permanent disablement, as well as up to S$25,000 for emergency medical evacuation and repatriation. In addition to these core protections, you’re also covered for travel inconveniences like baggage loss and flight delays, adding peace of mind to every journey.
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Up to 10% Cashback
CIMB Visa Signature
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- Up to 10%
- Min. spend per month to qualify for the 10% Cash Back
- S$800
- Cash Back Cap per month
- S$100
Get S$50 Cash when you apply and spend a min of S$2,000 within 60 days from card approval! T&Cs apply.
PLUS get a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) from CIMB spend a min of S$2,000 within 60 days from card approval. T&Cs apply.
When you charge your full travel fares to your CIMB Visa Signature card, you’ll enjoy automatic travel insurance coverage of up to S$500,000 for you and your family, provided by Sompo. This coverage extends beyond major concerns, offering protection against travel inconveniences like baggage delays and flight postponements, so you can travel with confidence.
Online Promo
Earn Miles That Never Expire
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 2.2 miles
- on DBS Points earned
- No Expiry
Online Promo: Valid until 30 Jun 2026
Get a Samsonite FLATFORM Spinner 28” and Foldable Duffle Bag (worth S$740) or up to 38,000 miles when you apply, pay the card's annual fee, charge a min. spend of S$800 within 60 days from card approval date and have a valid DBS PayLah! account by the end of the Qualifying Spend period. T&Cs apply.
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LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles Visa Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get a SURE-WIN S$30 Cash for New-To-UOB customers who apply and make just one eligible transaction within 30 days from approval. T&Cs apply.
UOB PRVI Miles Cardholders who book their flights using their card can enjoy complimentary travel insurance. To activate coverage, they must register through this link at least five business days before departure.
The insurance includes S$500,000 for accidental death and S$50,000 for emergency medical assistance, evacuation, and repatriation (including COVID-19-related cases).
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LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles Mastercard Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get a SURE-WIN S$30 Cash for New-To-UOB customers who apply and make just one eligible transaction within 30 days from approval. T&Cs apply.
MoneySmart Exclusive
LUCKY DRAW | Earn up to 6 Miles per S$1
UOB PRVI Miles American Express Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get a SURE-WIN S$30 Cash for New-To-UOB customers who apply and make just one eligible transaction within 30 days from approval. T&Cs apply.
MoneySmart Exclusive
Earn up to 2.4 Miles | Instant Activation*
HSBC TravelOne Card
- on Local Spend
- S$1 = 1.2 miles
- on Foreign Currency Spend
- S$1 = 2.4 Miles
- Travel Insurance coverage, Airport Lounge visits
- Complimentary
Get UPSIZED S$450 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
HSBC TravelOne Cardholders enjoy complimentary travel insurance, underwritten by MSIG, when they use their card to purchase airfare or pay taxes and surcharges on tickets redeemed with miles. Coverage includes S$75,000 for accidental death, S$150,000 for overseas medical expenses, and up to S$1 million for emergency evacuation, plus protection for travel inconveniences like delays and lost luggage.
*All data is accurate at the time of writing, last updated on 15 November 2024 as per the information published on the respective providers websites.
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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.
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.
