Buy FWD Travel Insurance in Singapore | 35% OFF
Compare single-trip or annual FWD travel insurance prices on MoneySmart and get a great plan at an affordable price! Up to 35% OFF.
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We found 3 FWD Insurance Plans for you!
[Your Trip is on US!🛫]
Score up to S$500 Cash via PayNow on travel reimbursements when you submit your MoneySmart Claim Form AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• S$10 Grab Voucher OR S$5 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible FWD Travel Plans purchased. T&Cs apply
Plus, enjoy 35% off (Single) and 30% off (Annual Travel) with code FWDTRAVEL and get up to S$60 eCapitaVoucher on FWD Travel Insurance plans. Valid from 29 to 30 Oct 2026. T&Cs apply
Valid till 31 Oct 2026
[Your Trip is on US!🛫]
Score up to S$500 Cash via PayNow on travel reimbursements when you submit your MoneySmart Claim Form AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• S$10 Grab Voucher OR S$5 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible FWD Travel Plans purchased. T&Cs apply
Plus, enjoy 35% off (Single) and 30% off (Annual Travel) with code FWDTRAVEL and get up to S$60 eCapitaVoucher on FWD Travel Insurance plans. Valid from 29 to 30 Oct 2026. T&Cs apply
Valid till 31 Oct 2026
[Your Trip is on US!🛫]
Score up to S$500 Cash via PayNow on travel reimbursements when you submit your MoneySmart Claim Form AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• S$10 Grab Voucher OR S$5 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible FWD Travel Plans purchased. T&Cs apply
Plus, enjoy 35% off (Single) and 30% off (Annual Travel) with code FWDTRAVEL and get up to S$60 eCapitaVoucher on FWD Travel Insurance plans. Valid from 29 to 30 Oct 2026. T&Cs apply
Valid till 31 Oct 2026
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Why Choose FWD Travel Insurance?
FWD Singapore is licensed by the Monetary Authority of Singapore (MAS) as a Direct Insurer (Composite) and Exempt Financial Adviser, and has sold insurance locally since 2016. It offers three travel insurance plans—Premium, Business and First—with overseas medical coverage from S$200,000 to S$1,000,000, unlimited emergency medical evacuation and adventure sports cover built into every tier.
You can get quotes, buy your policy, access documents and submit claims fully online or via the FWD SG App, which also offers cashless outpatient treatment in Singapore. In 2025, FWD Singapore won Outstanding Customer Service at the InsuranceAsia News Country Awards for Excellence.
FWD Travel Insurance Plans: Coverages at a Glance
Here's how FWD's three plans compare on core benefits:
Benefit | |||
Overseas medical expenses | Up to S$200,000 | Up to S$500,000 | Up to S$1 million |
Emergency medical evacuation | Unlimited | Unlimited | Unlimited |
Trip cancellation | Up to S$7,500 | Up to S$10,000 | Up to S$15,000 |
Travel delay | Up to S$300 | Up to S$800 | Up to S$1,500 |
Delayed baggage | Up to S$150 | Up to S$600 | Up to S$900 |
Baggage loss / damage | Up to S$3,000 | Up to S$5,000 | Up to S$7,500 |
Personal accident (Aged below 70) | Up to S$200,000 | Up to S$300,000 | Up to S$400,000 |
Personal liability | Up to S$500,000 | Up to S$750,000 | Up to S$1 million |
⭐ Best for | Budget-conscious leisure trips and short regional holidays | Frequent flyers, business travellers and adventure travellers | Long-haul trips, families and travellers who want the highest limits |
All three FWD plans are available as single trip or annual plans, and can be tailored via add-ons like COVID-19 cover and pre-existing condition extensions.
FWD travel insurance add-ons & optional upgrades
Add-on | FWD Premium | FWD Business | FWD First | Key conditions |
COVID-19 medical expenses | Up to S$200,000 | Up to S$200,000 | Up to S$200,000 | Trip cancellation and disruption up to S$5,000 each Up to 90 days add-on coverage for both single trip and annual trip plans |
Up to S$1,000 | Up to S$3,000 | Up to S$6,000 | Covers reasons beyond standard exclusions (e.g. change of mind, exam reschedules) Single Trip plans only Must be purchased within 7 days of your trip deposit | |
Pre-existing Medical Condition (Overseas expenses) | Up to S$50,000 | Up to S$100,000 | Up to S$150,000 | Known, stable medical conditions 50% co-payment on trip cancellation, disruption and loss of deposit Up to 30 days add-on cover for single trips; up to 45 days cover per trip for annual plans |
Extreme / Adventure Sports Equipment Protector | S$2,000 | S$2,000 | S$2,000 | Loss or damage to personal sports gear S$100 per day for rental replacement while abroad |
Car Rental Excess | Up to S$300 | Included (S$500) | Included (S$1,000) | Optional for FWD Premium, built in for FWD Business and First You must be a named driver of a licensed rental car |
Pet Care | S$150 | S$150 | S$150 | Pet boarding costs for return delays S$50 per six hours of delay |
Home Contents | S$6,000 | S$6,000 | S$6,000 | Home content loss due to fire / theft while you're away |
FWD Exclusions & Common Claim Mistakes
Every insurer has fine print. Here's what FWD doesn't cover, and the claim mistakes to avoid.
Main exclusions
- Pre-existing medical conditions unless you buy the specific add-on
- Extreme or professional sports
- Any consequence of war (whether declared or not), and events that happen before you book or take up cover
- Loss of cash or certain valuables
- Pregnancy, childbirth or related complications
- Travel to countries where MFA advises against travel (e.g., Afghanistan, Cuba, Ukraine)
Claims pitfalls and time limits
- Missing CFAR application window: Failing to purchase “Cancel For Any Reason” within 7 days of paying your deposit means you won’t be reimbursed for any trip delays or cancellations stemming from otherwise rejected reasons.
- Misfiling delays or cancellations: Airline schedule changes not caused by insurable events may lead to denied claims.
- Incomplete documents: Missing any required document disqualifies claims.
- Late claims: Claims must generally be initiated promptly, ideally within days of returning For full, legally binding terms, always consult the official FWD travel insurance policy wording PDF.
How to Maximise FWD Travel Insurance Value
Follow these practical tips to get the most from your cover and keep your claims trouble-free:
- Match add-ons to your trip type: Add adventure sports cover if you're skiing, COVID-19 protection during outbreak-prone travel, or the pre-existing condition extension for known medical conditions.
- Photograph your valuables before you fly: Electronics carry sub-limits, so timestamped photos of receipts and luggage contents make claims easier to substantiate.
- Choose a higher-limit plan for multi-destination family trips: FWD Business or First suit high-cost, multi-stop itineraries better than Premium.
- Download your visa-compliant medical certificate: All FWD plans meet Schengen and other country-specific visa medical cover requirements. Check your visa requirements and get the applicable MC via the FWD SG App.
- Hold onto your documents for 90 days post-trip: Keep flight confirmations and receipts on hand in case FWD requests them after you've filed a claim.
How to Apply for FWD Travel Insurance on MoneySmart
Step | Action | Details |
1 | Choose your trip type and plan | Pick a Single Trip plan for one trip of up to 180 days, or an annual travel insurance plan if you travel several times a year (up to 90 days per trip). Compare FWD Premium, FWD Business and FWD First with MoneySmart's travel insurance comparison tool. |
2 | Check eligibility | You must be at least 16 and hold an NRIC, employment pass, work permit, long-term visit pass or student pass. Travellers under 16 need a parent or guardian's consent. Pass holders can also read our guide to travel insurance for foreigners in Singapore. |
3 | Enter accurate trip details | Select Individual, Couple, Family or Group (up to seven travellers), then choose the region that covers every destination and transit stop. FWD won't start a policy bought for the wrong region. |
4 | Time your purchase | It’s recommended to buy at least 72 hours before you depart from Singapore, as FWD won't pay trip cancellation or postponement claims on policies bought later. FWD Business and First let you insure a trip up to 365 days ahead. If you want Cancel For Any Reason cover, buy it within 7 days of your initial trip deposit. |
5 | Add optional covers | Add pre-existing medical conditions cover only for travellers who need it, as it applies only to the people it's bought for. |
6 | Apply and pay | Press Apply Now on your chosen FWD plan, then fill in the MoneySmart Rewards Form with your email to track any sign-up gift. Pay by credit / debit card or PayNow. |
7 | Claim rewards and save your policy | Submit the MoneySmart Claim Form before the promo deadline. Your e-policy arrives by email and in the FWD SG App. |
Not Sold On FWD Yet? Shop Around Before You Fly
FWD is a strong pick if you want adventure sports cover built in and high medical limits, but the best plan depends on your destination, trip length and who's travelling with you. Before you commit, see how FWD's Premium, Business and First plans compare against other Singapore insurers on price and coverage.
FAQs About FWD Travel Insurance
What unique benefits does FWD travel insurance offer compared to other Singapore insurers?
- FWD travel insurance stands out in Singapore for its digital-first features and award-winning service. Benefits include fully online policy management, diverse add-ons (adventure sports, COVID-19 and pre-existing conditions), and next-day PayNow claim payouts. It also offers flexible family / group policies and has earned awards for customer service and digital innovation.
Are adventure sports or high-risk activities covered by any FWD travel insurance plan?
- Yes, FWD covers many mainstream adventure sports, such as hiking up to 3,000m, scuba diving, bungee jumping, hot air ballooning, and winter sports. However, extreme or professional sports and hiking above 3,000m are excluded. Always check if your planned activity falls within covered categories before departure.
Who can buy FWD travel insurance?
- You can buy FWD travel insurance if you're at least 16 years old and a Singapore resident holding an NRIC or FIN.
What regions does FWD travel insurance cover?
- FWD offers cover for four regions: ASEAN, Asia (ASEAN plus destinations such as Japan, South Korea, China, Australia and New Zealand), Worldwide excluding the USA, and Worldwide. Countries where Singapore's Ministry of Foreign Affairs advises against travel are excluded.
How soon can I claim for a flight delay with FWD?
- On FWD Business and First plans, you can claim S$50 for every three hours of delay, up to S$800 (Business) or S$1,500 (First). FWD Premium pays S$100 for every six hours of delay, up to S$300.
How do I make a claim with FWD and what documents do I need?
- Submit your claim online or through the FWD SG App. FWD's claims team acknowledges submissions within two working days, and approved claims are paid out digitally via PayNow.
Documents typically required, depending on claim type: boarding passes, travel receipts, medical report or police statements. What are the major exclusions I need to look out for in FWD travel insurance?
- The most common exclusions across all FWD plans are:
- Pre-existing medical conditions (unless you purchase add-on)
- Extreme or professional sports, and hiking above 3,000m
- Loss of cash or certain valuables (electronics carry sub-limits)
- Pregnancy complications after a specified gestation period
- Travel to countries under government advisories (e.g. Afghanistan, Cuba, Ukraine)
Missing time-sensitive add-ons (like Cancel For Any Reason) or required documents can also lead to claim denial. How do claim payouts work and how long do they take with FWD?
- Claims can be submitted online or through the FWD SG App. Once approved, payouts are typically processed via PayNow, often by the next working day. Complete documentation speeds up the process, and digital submissions ensure faster handling compared to paper claims.