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Guide to Annual Travel Insurance in Singapore
For Singaporeans who travel more than once a year, annual travel insurance (also known as multi-trip insurance) is a practical way to save money and stay protected. With people travelling more frequently, many insurers have expanded their annual travel insurance features to become more comprehensive and robust—particularly around COVID-19 cover, digital claims, and family/senior options. That said, the “best annual travel insurance” must still be chosen carefully.
Why Annual Travel Insurance Matters in 2026
Annual plans allow you to cover multiple trips under one premium instead of buying separate single-trip policies. This is especially useful for families, frequent flyers, and those planning regional or extended overseas travel.
READ ALSO: Should You Buy Airlines Travel Insurance?
Key Upgrades and Trends This Year
Here are several annual travel insurance benefits and improvements to look forward to:
COVID-19 coverage as a built-in benefit or optional rider
FWD allows adding COVID-19 cover up to S$200,000. HL Assurance includes COVID-19 benefits in Silver, Gold and Platinum tiers.
Family and group bundling
Income offers family travel cover options whereas HL Assurance provides “Total Limit for Family” benefits under COVID-19 travel cancellation.
Senior and long-stay support
HL Assurance sets stricter overseas medical coverage caps for travellers aged above 70 (e.g. up to S$50,000 in Basic, S$100,000 in Gold and higher tiers). Additionally, most annual policies are typically limited to up to 90 days in trip duration.
Budget-tier annual plans
FWD's entry plans are affordable while still offering core protection plus optional COVID-19. Many insurers maintain lower tiers that omit advanced benefits (e.g. extreme sports or pre-existing medical conditions coverage) to keep rates lower.
Coverage Comparison: Best Annual Travel Insurance Plans in Singapore
Here’s a fact-checked comparison of the best annual travel insurance plans you can find in Singapore 2026.
Disclaimer: Annual trip premiums shown in this table are estimates based on trips to Thailand within a year for a single adult traveller. Actual premiums will vary depending on your destination, age, coverage tier, and add-ons selected. Always run a personalised quote to get the exact cost for your trip. All details have been verified against insurer sites and MoneySmart campaigns.
| Provider & Plan | Overseas Medical Expenses | COVID-19 Medical Coverage | Baggage Loss/Damage | Trip Cancellation | Best For | Premium (from) |
|---|---|---|---|---|---|---|
| Singlife Travel Plus | Up to S$200,000 (<70) Up to S$100,000 (70+) |
Up to S$100,000 | Up to S$3,000 | Up to S$5,000 | Balanced cover, COVID built-in | S$318.92 |
| DirectAsia Voyager 250 | Up to S$250,000 | Add-on available | Up to S$3,000 | Up to S$10,000 | Child coverage | S$189.30 |
| Starr TraveLead Comprehensive Bronze | Up to S$200,000 (<70) Up to S$60,000 (<18) Up to S$40,000 (70+) |
Up to S$15,000 | Up to S$3,000 | Up to S$5,000 | Unlimited evacuation | S$381.82 |
| Tiq Entry | Up to S$200,000 (<70) Up to S$30,000 (70+) |
Up to S$100,000 (medical) Up to S$200,000 (repatriation) + Up to S$3,000 (trip disruption) |
Up to S$2,000 | Up to S$5,000 | Instant 3-hour flight delay payouts + digital claims in 2 days | S$234.31 |
| MSIG TravelEasy Standard | Up to S$250,000 (<70) Up to S$50,000 (70+) |
Up to S$75,000 (<70) Up to S$37,500 (70+) |
Up to S$3,000 | Up to S$5,000 | Good mid-tier cover, family-friendly | S$200.75 |
| FWD Premium | Up to S$200,000 | Add-on up to S$200,000 | Up to S$3,000 | Up to S$7,500 | Unlimited evacuation, flexible add-ons | S$208.71 |
| Income Standard Classic | Up to S$250,000 (<70) Up to S$150,000 (70+) |
Included across all tiers | Up to S$3,000 | Up to S$5,000 | Strong senior benefits, tele-consultation | S$282.40 |
| Allianz Travel Silver | Up to S$500,000 (<70) Up to S$75,000 (70+) |
Up to S$500,000 | Up to S$3,000 | Up to S$5,000 | High medical cover, unlimited evacuation | S$207.86 |
| Great Eastern Great TravelCare Gold | Up to S$500,000 (<70) Up to S$100,000 (70+) |
Add-on available | Up to S$5,000 | Up to S$10,000 | Pre-existing add-on, adventure cover | S$292.50 |
| HL Assurance Travel Protect360 Basic | Up to S$150,000 (<70) Up to S$50,000 (70+) |
N/A (COVID-19 only from Silver+) | Up to S$3,000 | Up to S$5,000 | Unlimited evacuation + optional pre-existing add-on, scuba diving leisure cover | S$189.50 |
Key takeaways
- Budget-conscious: Starr TraveLead Comprehensive Bronze and FWD Premium provide entry-level pricing.
- Families: MSIG and Income offer strong family and senior options.
- High cover seekers: Allianz Travel Silver and Great Eastern Great TravelCare Gold have the largest medical limits.
- COVID-19 cover: Allianz and MSIG lead on higher caps.
⭐ For deeper breakdowns, see our travel insurance hub.
Annual vs. Single-Trip Travel Insurance in Singapore
When planning multiple trips a year, the choice between annual multi-trip and single-trip travel insurance becomes crucial. Annual plans typically cost more upfront, but they save money and reduce hassle if you travel often.
Cost perspective
Take MSIG TravelEasy Standard as an example:
- Annual plan premium averages S$0.55/day if you travel frequently.
- A comparable single-trip plan is expected to cost relatively more (~S$3.37/day) if purchased for each journey, 1 week at a time.
With promotions (27% off annual; 62% off single-trip), frequent travellers gain better value from the annual option.
Coverage differences
- Annual plans: Designed for unlimited trips within a year, each trip capped at 90 days. Includes medical (up to S$250,000), baggage (up to S$3,000), trip cancellation (up to S$5,000), and COVID-19 medical expenses cover (up to S$75,000).
- Single-trip plans: More flexible for one-off journeys, but cumulative premiums add up quickly. COVID-19 cover may be lower or only available as an add-on.
👉 Bottom line: If you fly three or more times a year, an annual plan like MSIG TravelEasy Standard generally works out cheaper and more convenient than buying multiple single-trip policies.
Comparison: Best Annual Travel Insurance Plans in Singapore
MoneySmart Exclusive
15% off MINDEF/MHA mbr + Prestige Plans incl. CFAR
Singlife Travel Prestige
- Overseas Medical Expenses
- Unlimited
- Trip Cancellation
- S$20,000
- Loss/Damage of Baggage
- S$8,000
- Total Premium Total Premium
S$66130% Off - S$462.70
Get CASH or REWARDS:
• Up to $60 GrabGift vouchers
• OR up to $50 Cash via PayNow
• AND $30 Revolut cash reward
with eligible premiums spent. T&Cs apply.
[Singlife's Online Promos]
• Get 55% off with code FLASH55 on Single Trip Singlife Travel Insurance plans.
• Enjoy a FREE 1GB Global eSIM from Singlife with purchase of a Singlife Travel Insurance plan. T&Cs apply.
MoneySmart Exclusive
Most Comprehensive Coverage including Covid-19
MSIG TravelEasy Standard
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$5560% Off - S$22
Travel with REWARDS:
• S$70 GrabGift vouchers
• OR up to S$60 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MoneySmart Promos]
• Get 50% off (Single Trip) and 20% off (Annual Plan) on TravelEasy policy premiums. Valid from 1 to 5 Jul 2026.
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM.
T&Cs apply.
MoneySmart Exclusive
Cancel for any reason add-on available
FWD Premium
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$33.0130% Off - S$23.11
[Travel with REWARDS]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 30% off Single Trip plans and 25% off Annual Travel plans with code FWDHOLIDAY. Valid only on 1 Jul 2026.
MoneySmart Exclusive
Post-departure purchase option available
INCOME Standard Classic
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$35320% Off - S$282.40
Travel with REWARDS:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 30 Jun to 2 Jul 2026, 9:00AM
MoneySmart Exclusive
Child cover same as adults
DirectAsia Voyager 250 Annual Plan
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$10,000
- Loss/ Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$315.5040% Off - S$189.30
Choose CASH or REWARDS:
• Up to S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
PLUS, enjoy 40% off your policy premiums.
MoneySmart Exclusive
Auto-payout for >3hour flight delays
Tiq Entry
- Med. Coverage (Overseas)
- S$200,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total Premium Total Premium
S$332.7125% Off - S$249.53
Grab your REWARDS:
• Up to S$20 GrabGift vouchers
• OR up to S$10 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
• Enjoy 50% off (Single Trip) and 25% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid from 1 to 5 Jul 2026. T&Cs apply.
• Plus, stand to receive an exclusive Travel Pass Launch Pack (worth S$75)*! Valid from 19 June to 18 July 2026. T&Cs apply.
Looking to buy annual travel insurance?
Head over to our page to compare the best annual travel insurance. Get up to 40% off your travel insurance with our exclusive Moneysmart promotions!
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What Annual Travel Insurance Covers (and What It Doesn’t)
Annual travel insurance plans provide wide protection, but coverage limits and exclusions vary by provider. Using FWD Premium as an example, here’s what’s typically included and excluded in its policy.
In general, FWD Premium’s annual plan provides broad cover with high flexibility, especially for COVID-19 and evacuation or repatriation purposes. FWD even offers enticing add-ons such as Cancel-For-Any-Reason (CFAR) option or pre-existing conditions medical cover.
⭐ Do note though, that these are available only under Single-trip add-ons, not annual multi-trip policies.
What’s Covered
- Overseas medical expenses: Up to S$200,000, including outpatient treatment via FWD’s cashless network.
- COVID-19 benefits(add-on):
- Overseas medical coverage: Up to S$200,000
- Trip cancellation: Up to S$5,000
- Trip disruption: Up to S$5,000
- Hospital allowance: S$100/day up to 14 days (overseas or within 14 days after return)
- Quarantine allowance: S$50/day up to 14 days
- Trip cancellation: Up to S$7,500
- Emergency medical evacuation: Unlimited cover
- Baggage loss/damage: Up to S$3,000
- Adventure sports: Activities like scuba diving, snow/ice sports, bungee jumping, hiking (<3,000m), hot air balloon rides, and skydiving are covered as leisure add-ons.
- Terrorism cover: Included.
What’s Not Covered
- Pre-existing conditions: Only covered under separate Single-Trip add-on (up to 30 days, capped at S$50,000). Annual plans exclude them.
- Cancel For Any Reason: Available only as a Single-Trip add-on (must be purchased within 7 days of booking).
- Trip Durations over 90 days: Annual policies limit each trip to 90 consecutive days.
- Airline insolvency: Excluded from trip cancellation benefits.
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Key Annual Travel Insurance Exclusions To Watch Out For
Annual travel insurance plans may look comprehensive, but exclusions in the fine print can trip you up. Common exclusions include pre-existing medical conditions, extreme or adventure sports, terrorism-related incidents, airline insolvency, and trips exceeding the 90-day trip cap. These typically apply across many travel insurers, not just budget tiers.
Nevertheless, let’s use HL Assurance TravelProtect360 Basic as an example to illustrate:
Key exclusions
- COVID-19 cover: Not included under the Basic plan. To get COVID-19 protection, you’ll need to upgrade to Silver, Gold, or Platinum tiers.
- Pre-existing conditions: Only covered if you purchase the optional add-on. Without it, claims for conditions like diabetes, asthma, or heart disease are excluded.
- Adventure sports: Activities such as bungee jumping, skiing, snowboarding, and skydiving are excluded. Only scuba diving (≤30m, leisure) is covered.
- Terrorism-related incidents: Not covered under Basic.
- Extended stays: Each trip is capped at 90 days. Anything beyond is not insured.
- Airline insolvency: Explicitly excluded from trip cancellation protection.
Coverage gaps
- Overseas medical expenses: S$150,000 (aged <70), S$50,000 (aged 70+). By comparison, these coverage amounts are lower than competitors like Allianz Travel Silver (up to S$500,000) or MSIG TravelEasy Standard (up to S$250,000).
- Trip cancellation: S$5,000 but excludes airline insolvency. Competitors like Great Eastern Great TravelCare Gold offer up to S$10,000 with broader event triggers.
- Baggage Loss/Damage: Capped at S$3,000, similar to AIG and MSIG, but lower than Great Eastern’s S$5,000 cap.
Why exclusions matter
The exclusions in HL Assurance’s Basic plan show why it’s important to read policy wording carefully. COVID-19 cover, terrorism, and pre-existing conditions are not automatically included, which could leave frequent travellers exposed.
We asked Singaporeans about flight disruptions, and they answered.
Find out the worst airlines with delays and cancellations according to Singaporean travellers.
Annual Travel Insurance for Families & Groups: Is it Worth it?
Travelling as a family or group often means balancing affordability with sufficient coverage. However, it’s important to ask if annual travel insurance is truly relevant for these groups, or does it serve other traveller types better?
For families?
- What it offers: Annual travel insurance simplifies protection by bundling all members into one policy. Providers like MSIG, Income, and Starr provide family-tier benefits like free child coverage for children below 18 at no extra premium, or unattended child benefit to send a child back if a parent is hospitalised overseas.
- When it makes sense: Families who travel 3+ times a year will save time, gain convenience, and enjoy more comprehensive overseas protection with cost savings.
- Limitations: If trips are infrequent (1–2 times annually), a single-trip travel insurance plan will clearly suffice and be more cost-effective. Plus, medical and COVID-19 coverage in family bundles tend to be capped lower than premium single-trip options.
For groups?
- What it offers: Convenient for groups of friends or colleagues making repeated trips. Shared risks like trip cancellations or baggage loss can be covered.
- When it makes sense: If travelling overseas together multiple times a year.
- Limitations: Annual plans don’t truly insure “groups” as a unit—each traveller usually needs their own policy.
So Who Benefits More Than Families & Groups?
While families and groups can benefit under certain circumstances, other traveller types tend to gain more from annual travel insurance. Here’s who they are:
Frequent Flyers
- Why it works: Business travellers or frequent holidaymakers save both time and money. One annual policy eliminates the need for repeated single-trip purchases.
Digital Nomads & Remote Workers
- Why it works: Expats, freelancers, or remote employees hopping between countries benefit from consistent medical and evacuation protection across unlimited trips.
Regional Commuters
- Why it works: Those travelling frequently to Malaysia, Indonesia, Thailand, or Hong Kong for work or family easily justify the cost of a yearly plan with multiple short trips.
Couples & Young Professionals
- Why it works: With disposable income and flexible lifestyles, young professionals and couples often mix work and leisure (“bleisure”) travel. Annual plans bundle perks like digital claims, trip disruption cover, and COVID-19 protection.
Real-World Claim Experiences of Annual Travel Insurance
A policy is only as good as its claims process. Here’s how FWD Premium works in practice, with common real-life scenarios faced by annual travel insurance policyholders.
Scenario 1: Baggage delay on family holiday
A family flying to Tokyo had their checked baggage delayed for over 24 hours. Under FWD Premium:
- Delayed Baggage: Up to S$150.
- Loss/Damage of Baggage: Up to S$3,000 with per-item sublimits.
- Cashless Claim: Submitted via the FWD app, reimbursed digitally through PayNow within days.
Scenario 2: Medical emergency abroad
An elderly traveller on an annual plan fell ill in Europe and needed hospitalisation.
- Overseas Medical Expenses: Up to S$200,000.
- Emergency Medical Evacuation: Unlimited cover, ensuring safe return to Singapore.
- Daily Hospital Allowance: Up to S$5,000 (S$100/day).
- COVID-19 Medical Add-On: Covers up to S$200,000 for COVID-related treatment.
Scenario 3: COVID-19 trip disruption
A traveller tested positive before returning to Singapore and had to extend accommodation.
- COVID-19 Trip Disruption: Up to S$5,000.
- Quarantine Allowance: S$50/day (up to 14 days).
- Hospitalisation Allowance: S$100/day (up to 14 days).
Why It Matters
- Fully digital claims: Claims with FWD can be submitted entirely online via app or web, with 24/7 emergency hotline available.
- Unlimited evacuation: Ensures protection during severe medical emergencies.
- Strong COVID-19 coverage: Robust add-on benefits give peace of mind for pandemic-related disruptions.
- Faster payouts via PayNow: Simplifies reimbursements for families and groups managing multiple claims to be quicker and more convenient.
Why Trust MoneySmart? Methodology & Standards
When comparing the best annual travel insurance plans, trust and accuracy matter. Here’s how MoneySmart ensures our reviews are reliable and transparent.
Verified sources only
We fact-check every product against official insurer websites, policy wording PDFs, and MoneySmart’s internal database.
Product comparisons
We assess plans based on medical limits, trip caps, family eligibility, COVID-19 protection, exclusions, and add-ons.
Promo validation
All MoneySmart-exclusive discounts and rewards are checked against live campaign data, with expiry dates verified.
Exclusion checks
We highlight gaps like terrorism exclusions, pre-existing condition limits, and airline insolvency clauses.
Compliance & quality adherence
MoneySmart follows Monetary Authority of Singapore (MAS) rules for financial product comparisons, ensuring our content is professional, clear, and MAS-regulated.
Frequently Asked Questions
Is COVID-19 travel insurance coverage still compulsory now for travelling?
No, COVID-19 coverage is no longer compulsory for most destinations. However, certain countries or airlines may still require proof of travel insurance with COVID-19 medical coverage as an entry condition.
Even if not mandatory, it is strongly recommended, as a travel insurance plan with adequate coverage lets you claim for overseas medical treatment, hospitalisation, emergency medical evacuation, and other unexpected expenses.
Who should buy annual travel insurance? Is it worth getting?
- Yes, if you travel frequently. Annual plans are designed for frequent flyers—think business travellers, regional commuters, or leisure travellers who take 3 or more overseas trips a year. In such cases, one annual policy can be more cost-effective than buying multiple single-trip policies. If you only travel once or twice a year, a single-trip plan may still offer better value.
Should I get annual travel insurance with COVID-19 coverage?
Yes, it is highly recommended. Although COVID-19 restrictions have eased, outbreaks and disruptions still occur. COVID-19 coverage typically includes:
- Overseas medical expenses due to COVID-19
- Emergency medical evacuation and repatriation
- Overseas diagnosis and quarantine allowance
- Overseas hospital cash allowance
Trip cancellation, postponement, or curtailment due to COVID-19
Coverage limits also vary by provider, for instance:
- Allianz Silver: Up to S$500,000 COVID-19 medical cover.
- MSIG Standard: S$75,000 (<70), S$37,500 (70+).
- FWD Premium: Optional add-on up to S$200,000. Always check whether COVID-19 trip cancellation or quarantine benefits are included.
Do note insurers like FWD Premium require it as an add-on. Always check the policy wording.
What happens if I want to cancel my annual travel insurance?
Policies vary by insurer. Some offer a 14-day free-look period for a full refund (if no claims are made). Others allow cancellation later but only refund premiums on a pro-rated or short-rate basis (meaning you may not get back the full unused portion).
Refunds are usually not available if claims have already been made. Always review the cancellation terms in your policy before purchase
When does my annual travel insurance coverage start?
- Coverage typically begins in Singapore at the start of your policy period, with certain benefits (e.g. trip cancellation or postponement) applying even before departure. However, exact terms differ between insurers, so always confirm with your provider or review your policy schedule.
What is the difference between annual and single-trip travel insurance?
- Annual (multi-trip) travel insurance covers unlimited trips within 12 months, with each trip usually capped at 90 days. Single-trip plans cover only one journey but may allow longer individual trips.
Are pre-existing conditions covered by annual travel insurance?
- Most annual plans exclude pre-existing conditions. Some providers (e.g., Income, HL Assurance) offer add-ons under specific tiers or only for single-trip policies. Always confirm with policy wording.
What is the maximum trip duration under annual travel insurance?
- Typically 90 days per trip. If you need longer coverage, look for single-trip plans or specialised long-stay insurance.
Are seniors eligible for annual travel insurance?
Yes, but medical caps are lower. For example:
- Income Standard Classic: S$150,000 (aged 70+).
- Allianz Silver: S$75,000 (aged 70+).
- Starr Bronze: S$40,000 (aged 70+).
Can families be covered under one annual plan?
- Yes. Many insurers (e.g., Starr, Income, Allianz) allow families to bundle coverage into one policy. Some, like Starr Bronze, cover children below 18 for free when parents are insured.
What exclusions should I watch out for?
- Pre-existing medical conditions (unless add-on purchased).
- Extreme/adventure sports unless stated.
- Airline insolvency.
- Trips longer than 90 days.
- Some terrorism-related incidents.
How do I make a claim for annual travel insurance?
- Most insurers (AIG, FWD, MSIG, Starr) allow digital claims via their apps or websites. Reimbursements are typically processed via PayNow, speeding up payouts.