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.
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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:

Eligibility and Activation

  • Card usage: Typically, you need to charge a specific percentage (often 100%) of your travel expenses (flights, accommodation) to your credit card to activate the insurance.
  • Card type: Some cards offer better coverage or higher limits.
  • Additional requirements: Some issuers may have additional conditions like being the primary cardholder or having a certain spending limit.

    • Coverage

  • Basic protection: Most credit cards offer standard coverage like medical expenses, personal accident, baggage loss, and trip cancellation or interruption.
  • Limitations: Coverage limits and exclusions vary significantly between cards. For instance, some cards may have age limits, exclude specific activities, or have lower coverage amounts for certain incidents.
  • Supplementary coverage: Some cards offer additional benefits like travel inconvenience, rental car coverage, or emergency cash assistance.
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    Pros & Cons Of Complimentary Travel Coverage By Credit Cards

    ProsCons
    Pros
  • Cost savings
    • Significant cost savings as no separate purchase of a travel insurance plan is necessary, making it ideal for more wallet-friendly for travellers with basic needs.    		Cons
  • Lower or limiter extent of coverage
    • Coverage may have limitations or exclusions as per the terms and conditions provided by the credit card; might not suffice for all needs. This may result in extra out-of-pocket expenses if coverage is insufficient during emergency situations.
    Pros
  • Convenience
    • Automatically activated when travel expenses are charged to the credit card and there's usually no need for separate purchase or application.    		Cons
  • Limited customisation
    • Coverage is predetermined by the credit card issuer, thus there is usually lesser flexibility for customisation, as insurance coverage is often not cater to individual preferences or specific needs.
    Pros
  • Reliable
    • Provided by reputable credit card companies with global networks.     		Cons
  • Dependency on provider
    • The quality and extent of coverage is highly dependent on the credit card provider, and the claims process can be more cumbersome.

    Which Credit Cards Provide Complimentary Travel Insurance?

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    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

    First 200 to submit the claim form and meet the S$500 spend within 30 days to enjoy S$420 CASH or a S$500 Amazon.sg Gift Card
     
    Or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after. T&Cs apply.

    Valid until 10 Nov 2026
    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.
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    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 all other eligible purchases
    S$1 = 1.3 KrisFlyer miles
    directly credited into your KrisFlyer account
    KrisFlyer miles
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    New to American Express Card Members can receive up to 16,000 KrisFlyer miles ! T&Cs apply.

    • 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).

    Valid until 31 Jan 2027
    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.
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    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 all other eligible purchases
    S$1 = 1.5 KrisFlyer miles
    directly credited into your KrisFlyer account
    KrisFlyer miles
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    New to American Express Card Members can receive up to 45,000 KrisFlyer miles! T&Cs apply.

    • 20,000 KrisFlyer miles with annual fee payment and min. spending of S$5,000 within first 6 months of Card approval.

    • 20,000 KrisFlyer miles on your first spend in the 15th month of Card Membership.

    • 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).


    Valid until 31 Jan 2027
    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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    CIMB Visa Infinite

    Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
    2%
    Min. spend per month
    S$2,000
    Cashback cap
    Unlimited
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    Apply now and receive a Samsonite Black Label Fanthom Spinner 69/25" EXP TSA Luggage (worth S$1,150) when you spend at least S$2,000 on eligible spends within the first 60 days. T&Cs apply.

    Valid until 30 Nov 2026
    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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    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
    Online Promo:

    Apply now and receive a Samsonite Black Label Fanthom Spinner 69/25" EXP TSA Luggage (worth S$1,150) when you spend at least S$2,000 on eligible spends within the first 60 days. T&Cs apply.

    Valid until 30 Nov 2026
    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.
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    *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.
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