Best Travel Insurance for Travelling to the United Kingdom (UK)
Entry Requirements for Travelling to the UK
In general, Singaporeans do not need a visa to enter the UK for short-term stays. Your passport must be valid for the duration of your stay, although a validity of at least six months is recommended. However, if you plan to stay in the UK for more than six months or for purposes other than tourism, youâll need to apply for the appropriate visa.
Notably, the UK is also not part of the Schengen area, so a passport is required to travel between the UK and other European countries, including Ireland.
Visa Application
| Scenario | Criteria |
|---|---|
| Check eligibility | Check if your purpose of visit/stay requires a UK Visa or electronic travel authorisation (ETA), or access to an eVisa to prove your immigration status. |
| For visits up to 6 months | Youâll need a Standard Visitor visa. Examples of permitted activities under this visa include tourism, visiting friends and family, volunteering, in transit, studying, and others. It costs ÂŁ115 for up to 6 months and can be applied up to 3 months prior to departure. Meanwhile, Visitor in Transit visas cost ÂŁ64. |
| For students |
|
| For work | There are many available work visas for the UK. Check out the full list of work visas here. |
| For family | To join a family member in the UK, they must either be your spouse/partner or a parent (if youâre under 18 years old). |
Travel Insurance
Coverage Benefits: Travel Insurance for the UK
Overall good value
Bubblegum Travel Insurance
Budget travel
FWD Premium
Pre-existing conditions coverage
Tiq Travel Insurance Pre-Ex
Extreme sports
Starr TraveLead Comprehensive
Reliable all-rounded coverage
Allianz Travel Insurance
Unique coverage benefits
MSIG TravelEasy Pre-Ex
Unlimited overseas medical coverage
Singlife Travel Insurance
post-departure plan purchase
INCOME Standard
Affordable premiums
Zurich Travel Insurance
Best Travel Insurance Plans for the UK
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
[Your Travel Insurance is on US! âď¸]
Score FREE Travel Insurance when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
[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 MSTRIP. Valid from 18 to 22 Jul 2026.
Youâll also be entitled to benefits like their cashless medical claim service, 180-day advance purchase, emergency medical evacuation, and more.
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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$4055% Off - S$18
[Your Travel Insurance is on US! âď¸]
Score FREE Travel Insurance when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
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 55% off (Single Trip) and 30% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid from 6 to 31 Jul 2026. T&Cs apply.
⢠Spin to score over S$5,000 worth of prizes from Tiq this National Day! Valid till 15 Aug 2026. T&Cs apply.
⢠Get a $30 voucher from Tiq with code FREETRAVEL on Single Trip plans. New customers only. Valid till 31 Jul 2026. T&Cs apply.
Starr TraveLead Comprehensive Bronze
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$46.3361% Off - S$18.07
[Celebrate 61 with Starr đ¸đŹ]
Score Apple AirPods, AirTag and MORE on top of gifts with purchased Starr Travel Insurance premiums! T&Cs apply.
Get REWARDED when you insure your trip! đď¸
Enjoy up to 60% off Starr plans
⢠Sennheiser Accentum Open Wireless Earbuds (worth S$149)
⢠OR up to S$61 Cash via PayNow
⢠AND S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
Under the Gold tier, enjoy up to S$1 million overseas medical coverage with no sub-limits on outpatient expenses (up to S$65,000 for Covid-19 coverage), up to S$15,000 in trip cancellations, and up to S$7,500 for lost or damaged baggage.
It also includes flexible add-ons for activities like golf, cruises, scuba diving, winter sports, and more.
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Allianz Travel Basic
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$1,500
- Loss/Damage of Baggage
- S$1,000
- Total Premium Total Premium
S$4564% Off - S$16.20
[Exclusive Discount PLUS Grab Vouchers!]
Enjoy up to 64% off your policy premium with promo code MSSAVE
AND score a S$50 Grab Voucher on top of existing gifts when you meet the giveaway requirements. T&Cs apply.
CASH or SMARTPOINTS:
⢠Up to S$45 Cash via PayNow
⢠OR up to $60 GrabGift vouchers
⢠AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent. T&Cs apply.
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
[Your Travel Insurance is on US! âď¸]
Score FREE Travel Insurance when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
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 60% off (Single Trip) and 25% off (Annual Plan) on TravelEasy policy premiums. Valid from 20 to 23 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.
Its TravelEasy Pre-ExÂŽ add-on option that can be added onto the TravelEasyÂŽ Standard, Elite, and Premier insurance plans. Each plan includes standard benefits like Covid-19 coverage, up to S$200,000 for medical evacuation and repatriation expenses, and up to S$1 million overseas medical expenses.
Other unique benefits include up to S$600 TCM coverage, up to S$3,500 wedding clothes and accessories coverage, up to S$1,000 traveller replacement, and more.
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Singlife Travel Lite
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$55.9650% Off - S$27.98
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 50% off with code TRAVEL50 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.
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$59.6050% Off - S$29.80
[Your Travel Insurance is on US! âď¸]
Score FREE Travel Insurance when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
Travel with REWARDS:
⢠Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
⢠Enjoy up to 70% off on Standard Per-trip travel plans. Ts&Cs apply.
⢠Enjoy 25% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 21 to 23 Jul 2026, 9:00AM
This means that if you forget to purchase travel insurance before your trip commences, you can still buy an INCOME Standard plan up to one day after your departure and be covered for the remainder of your trip. Talk about a last-minute lifesaver!
Average Cost of Travel Insurance for a UK Trip
| Travel insurance provider | Overseas medical expenses | Personal accident & permanent disablement | Baggage loss / damage | Trip disruptions / cancellations | Premium cost |
|---|---|---|---|---|---|
| Travel insurance providerBubblegum | Overseas medical expensesUp to S$150,000 | Personal accident & permanent disablementUp to S$150,000 | Baggage loss / damageUp to S$3,000 | Trip disruptions / cancellationsUp to S$5,000 | Premium costFrom S$58.56 |
| Travel insurance providerFWD | Overseas medical expensesUp to S$1 million | Personal accident & permanent disablementUp to S$400,000 | Baggage loss / damageUp to S$7,500 | Trip disruptions / cancellationsUp to S$15,000 | Premium costFrom S$43.72 |
| Travel insurance providerTiq by Etiqa | Overseas medical expensesUp to S$1 million | Personal accident & permanent disablementUp to S$500,000 | Baggage loss / damageUp to S$3,000 | Trip disruptions / cancellationsUp to S$10,000 | Premium costFrom S$56.25 |
| Travel insurance providerStarr TraveLead | Overseas medical expensesUp to S$1 million | Personal accident & permanent disablementUp to S$500,000 | Baggage loss / damageUp to S$7,500 | Trip disruptions / cancellationsUp to S$15,000 | Premium costFrom S$30.58 |
| Travel insurance providerAllianz Travel | Overseas medical expensesUp to S$1 million | Personal accident & permanent disablementUp to unlimited | Baggage loss / damageUp to S$5,000 | Trip disruptions / cancellationsUp to S$10,000 | Premium costFrom S$57.34 |
| Travel insurance providerMSIG TravelEasy Pre-Ex | Overseas medical expensesUp to S$150,000 | Personal accident & permanent disablementUp to S$500,000 | Baggage loss / damageUp to S$7,500 | Trip disruptions / cancellationsUp to S$15,000 | Premium costFrom S$115 |
| Travel insurance providerSinglife Travel | Overseas medical expensesUp to unlimited | Personal accident & permanent disablementUp to S$500,000 | Baggage loss / damageUp to S$8,000 | Trip disruptions / cancellationsUp to S$20,000 | Premium costFrom S$60.74 |
| Travel insurance providerINCOME Standard | Overseas medical expensesUp to S$1 million | Personal accident & permanent disablementUp to S$400,000 | Baggage loss / damageUp to S$8,000 | Trip disruptions / cancellationsUp to S$15,000 | Premium costFrom S$73.96 |
| Travel insurance providerZurich Travel Insurance | Overseas medical expensesUp to S$250,000 | Personal accident & permanent disablementUp to S$500,000 | Baggage loss / damageUp to S$5,000 | Trip disruptions / cancellationsUp to S$7,500 | Premium costFrom S$56.79 |
*Calculated based on a one-week UK trip for a single traveller
S$58.56 + S$43.72 + S$56.25 + S$30.58 + S$57.34 + S$115 + S$60.74 + S$73.96 + S$56.79 = S$552.94
S$552.94 / 7 = S$79
Tallying up the cost of travel insurance premiums across the seven providers, the average cost of a travel insurance plan for one week in the UK is about S$79. Among the options, FWD and Starr TraveLead Comprehensive plans are more budget-friendly compared to MSIG TravelEasy Pre-Ex or Singlife plans.
How Does Travel Insurance Protect Against Natural Disasters or Unexpected Trip Disruptions?
Thus, when choosing a plan, estimating the value of your personal belongings will help determine how much coverage you may need.
Once again, Singlife offers the highest coverage for this of up to S$20,000, followed closely by FWD, Starr TraveLead Comprehensive, and MSIG TravelEasy Pre-Ex of up to S$15,000.
Compensation will be given at the medical facilities where treatment was received, whether abroad or in Singapore. However, reimbursement limits and treatment eligibility apply, so ensure to review your insurance policy wording for specific details. FWD, Tiq by Etiqa, and Starr TraveLead offer the highest coverage of up to S$1 million.
Best Things to Do in the UK
For a more laidback experience, stroll through charming villages like Ambleside and Keswick and delve into literary history at Dove Cottage.
Tuck in to Scottish cuisine and whiskey tastings, and stroll down the Royal Mile for shops and street performers.
Step back in time to experience life in the Tudor era as you stroll through the enchanting grounds, admiring the architecture with its thatched roofs and picturesque gardens. These landscapes inspired many of Shakespeareâs timeless love sonnets.
These punting tours not only serve afternoon tea, but also guide you past attractions like Magdalen Bridge Boathouse, Botanic Gardens, and the Christ Church Meadows that inspired Alice in Wonderland.
Frequently Asked Questions
Is it better to have travel insurance with COVID-19 coverage for my UK trip?
- Although Covid-19 complications are less prevalent, overseas medical expenses incurred by Covid-19 can still be costly since they arenât subsidised for foreigners.
With adequate coverage, youâll be reimbursed for overseas medical expenses, emergency medical evacuation & repatriation, Covid-19 diagnosis, quarantine allowance, overseas hospital cash, trip disruptions, cancellations, and more arising from Covid-19. Am I required to have a visa to visit the UK?
- As mentioned above, it depends on what kind of passport and citizenship you hold. For Singaporean passports, you donât need to apply for a visa to enter the UK.
However, if your country is not exempted, youâll need to apply for a Standard Visitor visa online or other types like the long-term Standard Visitor visa, a Visitor in Transit visa and Long-term work visas.
A Standard Visitor visa costs ÂŁ100 for up to 6 months and can be applied for up to 3 months prior to departure. Is travel insurance compulsory for the UK?
- Travel insurance is not mandatory, but is highly recommended to protect you from any trip or health complications during your UK visit.
What does travel insurance cover for in the UK?
- Travel insurance coverage for the UK is no different than for any country. The benefits depend on the insurer and plan tier you purchase.
Key benefits to look out for/have include overseas medical expenses,personal accident (death or permanent disablement), trip disruptions & cancellations, emergency medical evacuation & repatriation, and baggage damage or loss.
Basic plans offer minimal coverage and payouts, whereas higher tiers provide more comprehensive protection. Can I get a UK Visitor in Transit visa on arrival?
- A Visitor in Transit visa costs around ÂŁ64.
Youâll need one if youâre:- Changing flights in the UK en route to another country
- Passing through UK border control (e.g. checking in luggage for connecting flight)
- Leaving the UK within 48 hours
- Not working or studying in the UK
Eligibility is subject to your nationality and whether you need to enter the UK. You can check your requirements here. How to upload documents for a UK visa?
- Ensure you have a valid passport and/or other travel documents.
For non-UK nationals, youâll need:- Residence permit
- Green card
- Valid visa
For non-UK residents, youâll need:- Flight booking emails
- Ticket or boarding pass
- Travel agent confirmations
Singaporeans may apply for a UK visa online.