Compare the Best Travel Insurance With COVID-19 Coverage in Singapore (2026)
If you’ve been itching to tick more destinations off your travel bucket list, now’s the perfect time, global travel is in full swing, most countries have long moved past COVID-era restrictions, and overseas adventures are easier (and more exciting) than ever.
While not all travel insurers cover COVID-19, a handful provide decent coverage, to varying extents. Fret not if you’re planning a trip soon and are unsure of how to choose, what to look out for, or trying to find the cheapest travel insurance with COVID-19 coverage, we’re giving you a hand in picking a suitable plan with sufficient coverage. You can even tap on the MoneySmart comparison tool to compare the different travel insurance options available for your travels.
What Should I Look Out For In A Travel Insurance Plan?
Are you deciding whether to get COVID-19 coverage as an add-on benefit to an existing insurance plan which you’ve already bought, or to get a totally brand new travel insurance package that is inclusive of COVID-19 coverage? This really depends on your preference, who you may be travelling with and what your current travel insurance company provides.
If you’re travelling with family members, then family travel insurance with COVID-19 coverage is definitely more apt. For those who are more particular about price range, the more affordable packages would probably be more suitable, and those who have pre-existing conditions would probably take up plans that cost slightly more or a lot more to provide that extra coverage for their health conditions in case of any emergencies.
Whatever needs you have for your travel insurance, there’s bound to be an increase of premiums due to the additional COVID-19 coverage benefits. So we’ve done the legwork for you in finding out which travel insurers are best known for which specific type of COVID-19 coverage.
Best COVID-19 Coverage For Travel Insurance
| Best for | Provider | Travel insurance plan | Estimated total premium |
|---|---|---|---|
| Best forBudget travellers | ProviderFWD | Travel insurance planFWD Premium plan | Estimated total premium$17 |
| Best forLong trips | ProviderAllianz | Travel insurance planAllianz Travel Platinum plan | Estimated total premium$64 |
| Best forPre-Existing condition (if you’re pregnant or have other existing medical conditions, and contracted COVID-19 during your trip) | ProviderTiq | Travel insurance planTiq Entry, Tiq Savvy, Tiq Luxury plans | Estimated total premium$21 - $38 |
| Best forFamily | ProviderFWD | Travel insurance planFWD First Family Plan | Estimated total premium$39 |
| Best forSeniors | ProviderMSIG | Travel insurance planMSIG TravelEasy® Pre-Ex Standard, Elite, Premier plans | Estimated total premium$38 - $68 |
| Best forWork trips | ProviderMSIG | Travel insurance planMSIG TravelEasy® Standard, Elite, Premier plans | Estimated total premium$37 - $72 |
| Best forOutside of Southeast Asian countries | ProviderMSIG | Travel insurance planMSIG TravelEasy® Standard, Elite, Premier plans | Estimated total premium$27 - $56 |
| Best forExtreme sports | ProviderMSIG | Travel insurance planMSIG TravelEasy® Standard, Elite, Premier plans | Estimated total premium$27 - $56 |
| Best for*Estimated premium rates are based on a 3D2N single trip plan to a country in Southeast Asia. | Provider | Estimated total premium |
Compare the best travel insurance in Singapore at MoneySmart.
Best Covid-19 Travel Insurance Plans
Those who are looking for travel insurance coverage for pre-existing conditions in Singapore will realise that only a handful of insurers in Singapore provide such a service and MSIG is one of them. MSIG TravelEasy® Standard, Elite, and Premier plans include COVID-19 travel insurance coverage, overseas and post-trip medical expenses, extreme sports coverage, replacement of traveller coverage, coverage for insolvency of licensed travel operator, emergency medical evacuation, delayed departure and more.
If you have any pre-existing conditions and would like to travel, you may like to tap on its TravelEasy Pre-Ex® benefits which are provided as an add-on option, and get in-patient hospitalisation expenses overseas coverage of up to $150,000 that allows you to claim for medical, surgical, nursing or hospital charges, as well as up to $200,000 of emergency medical evacuation and repatriation coverage, and other benefits.
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Get up to $500,000 in coverage for COVID-19 medical bills, emergency evacuation, and trip disruptions — plus a quarantine allowance and up to $5,000 for non-refundable costs if you need to cancel or postpone your trip within 14 days of departure. If you end up hospitalised in Singapore after your trip due to COVID-19, you’ll also receive a lump sum payout to help with recovery.
Income’s Travel Insurance Preferred plan covers up to $1,000,000 for overseas medical treatments — including COVID-19 — for travellers under 70. If you’re looking for more comprehensive protection, their Enhanced PreX plans also cover pre-existing conditions.
Complete Guide On The Best Travel Insurance (By Destination)
How To Choose And Buy Travel Insurance With COVID-19 Coverage?
Here are a few steps to help you get going:
Check the visa requirements and vaccination documents needed
While most countries no longer require pre-departure testing, a few may still have health-related entry rules, especially for unvaccinated travellers or during occasional surges.
Always check your destination’s latest requirements, including vaccination, insurance, or documentation, to avoid travel disruptions. Some insurers may not cover you if you're denied entry due to not meeting these requirements.
Be sure of any pre-existing conditions
There are only a few travel insurers out there who will cover you for claims relating to your pre-existing medical conditions such as pregnancy, injuries or illnesses sustained during the trip, this include COVID-19 related situations that may impact your pre-existing condition.
So for whatever pre-existing medical condition you have, you’ll have to look for a travel insurance plan with COVID-19 coverage which will give you in-patient hospitalisation expenses overseas coverage that allows you to claim for medical, surgical, nursing or hospital charges, emergency medical evacuation and repatriation coverage.
Check overall coverage including COVID-19 extension
Compare policy premiums
Consider special activities coverage
Think about the trip duration
If you’re going for a short trip, then the single trip travel insurance plans will probably be more suitable. On the other hand, if you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.
Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which may be better for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.
For more tips on how to choose the best travel insurance plans for you and your travel companions, you can read about the best COVID-19 coverage travel insurance plans on our blog.
Buy Travel Insurance Below $15
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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$4050% Off - S$20
[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo when you're the first to submit a MoneySmart Claim Form at 20:00 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.
Enjoy 50% off (Single Trip) and 25% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid from 16 to 30 June 2026. T&Cs apply.
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$33.0135% Off - S$21.46
[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo when you're the first to submit a MoneySmart Claim Form at 20:00 daily! T&Cs apply.
[Travelling? Get Rewarded!]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 35% off Single Trip plans and 25% off Annual Travel plans with code MSTRIP. Valid from 19 to 21 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
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$5550% Off - S$27.50
[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo 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 50% off (Single Trip) and 20% off (Annual Plan) on TravelEasy policy premiums. Valid from 19 to 21 Jun 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.
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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$4563% Off - S$16.65
[Score EXTRA Rewards]
Score a S$50 Grab Voucher OR Apple AirTag (worth $45) on top of existing gifts when you meet the giveaway requirements. T&Cs apply
Choose CASH or SMARTPOINTS:
• Up to S$45 Cash via PayNow
• OR an Apple AirTag (worth S$45)
• OR S$60 GrabGift vouchers
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent. T&Cs apply.
PLUS, enjoy 63% off your policy premium when you apply the promo code MSAZ.
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Great Eastern GREAT TravelCare Basic
- Med. Coverage (Overseas)
- S$100,000
- Trip Cancellation
- S$2,000
- Loss of Baggage
- S$2,500
- Total Premium Total Premium
S$2735% Off - S$17.55
Enjoy 35% off (Single Trip) and 10% off (Annual Trip) on GREAT TravelCare plans purchased. Valid from 16 to 30 Jun 2026. T&Cs apply.
What Does COVID-19 Travel Insurance Coverage Include?
Overseas COVID-19 diagnosis quarantine allowance
Overseas hospital cash due to COVID-19
Medical coverage due to COVID-19
Coverage for trip cancellation/postponement due to COVID-19
Emergency medical evacuation and repatriation
What Are Not Included in COVID-19 Travel Insurance Coverage?
Pre-Existing conditions
Replacement of traveler or employee
Extreme sports / sports played in a professional or competitive capacity
Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)
Illegal activities resulting in a conviction
Frequently Asked Questions
Is COVID-19 coverage still included in travel insurance plans in 2025?
- Yes, most travel insurance providers in Singapore still include COVID-19 coverage as part of their standard or enhanced plans. This typically covers medical expenses, quarantine costs, and trip disruptions due to COVID-19.
Where can I get COVID-19 coverage for my travel insurance?
- You will be able to get COVID-19 coverage as an add-on benefit or as part of an existing insurance plan, through your preferred travel insurance mobile app, website or insurance agent. Some travel insurance companies offer COVID-19 coverage as an add-on benefit to an existing plan, while others include COVID-19 coverage benefits in their range of travel insurance plans.
Do I still need COVID-19 insurance if my destination no longer has travel restrictions?
- While not always mandatory, it’s strongly recommended. COVID-19-related medical bills or quarantine overseas can still be costly, and travel insurance helps cushion unexpected expenses if you fall sick or your trip is disrupted.
What does COVID-19 travel insurance usually cover?
- Typical COVID-19 travel insurance coverage includes overseas medical expenses, daily quarantine or hospital cash benefits, trip cancellation or postponement due to a positive diagnosis, and emergency medical evacuation or repatriation.
Will I be covered if I test positive just before my trip?
- Yes, most plans offer trip cancellation coverage if you, your travel companion, or an immediate family member tests positive for COVID-19 before departure — as long as it’s within the covered time frame and supported by documentation.
Does travel insurance cover pre-existing conditions impacted by COVID-19?
- Some insurers like MSIG and Tiq offer optional add-ons that include coverage for pre-existing conditions. Be sure to check the plan details!
Are COVID-19 tests required for insurance claims?
- Yes, if you're making a claim for COVID-19-related coverage (e.g. cancellation, quarantine, hospitalisation), a positive PCR or ART test result from a recognised medical facility is usually required