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Get the Best FWD Travel Insurance with Covid-19 Coverage 2024

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Traveling to Thailand 30 May 2024 - 01 Jun 2024
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FWD Travel Insurance Review in Singapore 2024

FWD is known for offering one of the most affordable travel insurance plans in Singapore. With its COVID-19 add-on, Cashless medical claim, 180-day advance purchase, Emergency medical evacuation and many other benefits, FWD provides 3 types of travel insurance plans for you to choose from- FWD Premium, Business and First Plans.

What sets FWD apart from the other insurers is its competitive prices, as well as its mobile-friendly services like its FWD app, online portal and more. But that’s just barely scratching the surface when it comes to the benefits that FWD’s travel insurance plans provide.

In this review, we’ll weigh the pros and cons, look at FWD’s range of products and services and see how different it is from most travel insurance providers.

FWD’s COVID-19 coverage and other key benefits

COVID-19 coverage

In the case that you get COVID-19 before, during or after your trip, you can get coverage for up to $100,000 in COVID-19 medical expenses incurred during/after your trip.

180-day advance purchase

Planning your trip in advance can help you be well-prepared and FWD allows you to purchase your travel insurance up to 180 days before your trip, which is something that not many travel insurance providers provide.

Hassle-free cashless purchase and claims

The best part of insuring with FWD is that everything is done via its online portal or FWD SG app. This means that your travel insurance purchase and claims process are fully mobile-friendly.

So through its app, you can pay for your policy easily with PayNow, Grabpay and other payment methods, see a doctor online, enjoy cashless medical outpatient claims at FWD’s Singapore panel clinics, get worldwide emergency assistance and more. Its FWD SG App is available to download on Google Play or Apple App Store.

Emergency medical evacuation & repatriation

You’ll be able to claim transportation allowance to a medical facility for treatment, when diagnosed with an unexpected life-threatening illness or an injury while on an overseas trip.

Coverage for delayed, theft of or damage to baggage

No one wants their baggage to be delayed, stolen or damaged. But in such unfortunate situations, FWD can make things a little better by letting you claim up to $900 for baggage delay and up to $18,750 for theft of or damage to your personal belongings, including your baggage.

Cruise coverage

FWD’s COVID-19 Enhanced Travel Benefits add-on covers you for your cruise or cruise to nowhere trips too. Even if you’re already on a ferry or a cruise, and you need to get your travel insurance at the last minute, you’ll be covered when you buy FWD's insurance plan.

Just make sure that you’re in Singapore’s territorial waters and get it via FWD’s app or online portal before immigration. Do note that any claim made for something that happened before you bought your insurance will not be paid for, including trip delays.

Pros and Cons of FWD Travel Insurance


  • Hassle-free cashless purchase and claims
  • 180-day advance purchase
  • COVID-19 coverage
  • Emergency medical evacuation and repatriation
  • Coverage for theft of or damage to your personal belongings
  • Travel delay and baggage delay coverage
  • Liability for harm or damage you accidentally cause
  • Automatic travel cover extension
  • Transportation expenses coverage for a family member visiting you at the hospital or to take care of your child during your hospital stay
  • Emergency phone charges claims


  • May be a challenge for those who are less savvy with using mobile apps
  • No coverage for pre-existing conditions
  • No coverage for losses of customer loyalty points used to pay for any part of a travel trip
  • No coverage for participation in sports activities

Types of FWD Travel Insurance Plans

FWD Premium

Benefits include:

  • Up to $200,000 Medical Coverage
  • Up to $7,500 Trip Cancellation Coverage
  • Up to $3,000 of Reimbursement for Loss/Damage of Baggage
  • $14 Premium

The FWD Premium plan is considered the most affordable of all FWD travel insurance plans and it’s suitable for budget-conscious travellers who are seeking relatively good coverage. It covers all the bases including overseas medical expenses, post-trip medical expenses, trip cancellation, personal baggage damages, and more.

FWD Business

Benefits include:

  • Up to $500,000 Medical Coverage
  • Up to $10,000 Trip Cancellation Coverage
  • Up to $5,000 of Reimbursement for Loss/Damage of Baggage
  • $22 Premium

Great for business travellers who need slightly more coverage, this category is FWD’s mid-tier travel insurance plan. The coverage is similar to the Premium plan, except with more benefits and higher claim limits. Additional benefits include rental vehicle excess cover, overseas medical expenses insured for up to $500,000 and claims for death and third party death of up to $750,000.

FWD First

Benefits include:

  • Up to $1,000,000 Medical Coverage
  • Up to $15,000 Trip Cancellation Coverage
  • Up to $7,500 of Reimbursement for Loss/Damage of Baggage
  • $25 Premium

Travellers looking for maximum coverage can opt for FWD’s most comprehensive plan — FWD First. It covers you for everything which the FWD Business and Premium plans cover you for, but with higher limits. Most notably, this plan provides a lump sum payment of $1,000,000 for surviving adults and children if any party in a family dies or gets permanently disabled in an accident while travelling overseas. With such high benefits and personal accident coverage, this plan is ideal for families with children.

Travel Insurance Recommendations

FWD Travel Insurance Add-ons

COVID-19 coverage

This is one of the most sought-after and important add-ons during this pandemic period. It will have you covered for any situation whereby you are diagnosed with Covid-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a Covid-19 diagnosis while overseas, or after your trip.

Valid for FWD Single Trip plans (not for Annual Trip plans) with a duration of up to 90 days, this add-on includes a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return, coverage for medical expenses, trip disruptions or cancellations, and emergency evacuation or repatriation.

Benefits include:

  • Up to $200,000 Medical Expenses Coverage due to COVID-19
  • Overseas hospital cash of $200 per day ($5,000 cap that includes overseas quarantine allowance)
  • Reimbursement of up to $1,000 Cancellation before trip due to COVID-19
  • Total Premium of $72.91

Car rental excess

Cover for any car rental excess you need to pay if an accident happens (applicable as an add-on only for the FWD Premium plan, as the other plans have already included this coverage).

Pet care

If you’re a pet owner, you may want to consider this benefit as you’ll be able to claim $50 for every six hours of delay in your travel time.

Sports equipment protector

Get up to $100 per day for your sports gear rental in the event that it requires replacement.

Home contents coverage

You do not have to worry about your home when you get this optional add-on to cover against burglary and fire in your home while you are enjoying your vacation or busy on a business trip overseas.

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FWD Travel Insurance Claims

How do claims work?

Firstly, you’ve got to be clear of what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved, before you make a claim.

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Here are 3 simple steps to submit your FWD travel insurance claim

Step 1

Lodge your claims within 30 days of the incident

Be it a claim for your COVID-19 medical expenses or damaged baggage, FWD requires claim reports to be made within 30 days of the incident via WhatsApp, the FWD SG app or their claims portal.

To do a WhatsApp claim for travel delay or baggage delay, you can send the message “I’ve a claim” to FWD Claims at +65 9128 8552 and WhatsApp photos of the required documents. As for hardcopy claims, you have to complete the online claims procedure and then mail your original documents to: FWD Singapore Pte Ltd (Claims Team), 6 Temasek Boulevard #18-01, Suntec Tower 4, Singapore 038986.

It is best to inform FWD within 30 days so as to avoid breaching the policy’s terms and conditions, which may affect your claim process. Do remember to use FWD’s standard forms which are available on their app or online claims portal. FWD will then follow up to acknowledge your claim within 2 working days.

Step 2

Provide all documentation required

At your own expense, you’ll need to provide all documentation that FWD requests in order to provide a full context of the incident and for FWD to assess your claim or claims. This include:

  • Medical reports and related evidence in the form of photos and/or emails
  • Proof of ownership of baggage or other related items
  • Trip invoices, ticket confrontation, boarding passes, photocopy of passport and visas
  • Original invoices and receipts
  • Police, airline, transport and accommodation reports

Step 3

Look out for your Claim Acknowledgement notification

Once you’ve submitted all the documents required via the FWD SG app or their claims portal at, you will receive a claim acknowledgement, before FWD proceeds to review your claim. If you happen to get COVID-19 or other illness and injury before, during or after your trip, you may need to undergo a medical examination, or allow a postmortem examination (at FWD’s expense) for your claims.

An interview may also be arranged (case-by-case basis) by FWD and/or their third party service provider or representatives. Once the review is done and your claim is approved by FWD, FWD will make the necessary payments needed.

More Things To Know

FWD Travel Insurance Refunds & Cancellations

For single trip travel insurance policies, you can cancel any time before the trip start date and FWD will refund the amount you paid in full. However, no refund will be given once the trip starts. As for annual travel insurance, you can cancel your policy at any time during the period of insurance, but the amount refunded will not be full and only a percentage of the amount you paid, depending on the timing of cancellation. More information is available on FWD’s travel insurance cancellation page.

FWD Travel Insurance Hotline

Call +65 6820 8888 for general enquiries (9am to 10pm on weekdays, 9am to 1pm on sat) or +65 6322 2072 for emergency assistance (24/7). Alternatively, email FWD at [email protected].

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Read Our FWD Travel Insurance Review

Frequently Asked Questions

Does FWD travel insurance cover terrorism?

Yes, FWD Travel Insurance has coverage for terrorism as well as medical evacuation. An act of terrorism refers to a violent or threatening act that is committed for political, religious, ideological or similar purposes with the aim of inciting fear or influencing governmental bodies. If you find yourself in that situation, contact your insurer as soon as you are in a safe position to do so.

How do I submit a COVID-19 insurance claim and what are the documents required?

Prepare a list of documents as per FWD’s insurance claims submission page, then fill and submit it along with the relevant documents to [email protected] within 30 days of the incident.

How do I submit my Covid-19 Enhanced Travel claim and what are the documents required?

Sign in to your FWD Online services account via FWD's online portal to start. Alternatively, you could submit your claim via FWD’s webform. FWD’s Claims team will review your claim submission and send you an email acknowledgement within the next 2 working days.

How to claim FWD travel insurance for trip cancellation?

You get up to $7,500 for FWD Travel Insurance Premium plans and up to $10,000 for Business plans when you encounter trip cancellation. Claiming is easy, you can either call 6322 2072 or do it through FWD Flyer mobile app. To facilitate your claims, upload necessary documents such as a photo of your boarding pass, travel advisory, and any form of notification or proof about trip cancellation.

I discovered some strange charges on my credit card when I was overseas. Am I covered?

Yes, FWD travel insurance covers you for fraudulent use of your personal credit cards. You can claim up to $300 (Premium), $600 (Business) or $1,000 (First).

Is FWD travel insurance easy to claim?

FWD is a digital-first insurance company, which means FWD travel insurance is quite easy to claim. You can do it completely online via FWD’s customer portal or claim online here If you’re not comfortable with doing that, you can also submit hard copy claims at FWD Singapore Pte Ltd (Claims Team), 6 Temasek Boulevard #18-01, Suntec Tower 4, Singapore 038986.

My baggage got delayed. How much coverage do I receive?

You receive $150 for every six hours of delay whether overseas or in Singapore. You can claim up to $150 (Premium), $600 (Business) or $900 (First).

My flight was delayed for a few hours. How much am I entitled to claim?

You receive $100 for every six hours of delay overseas or in Singapore, up to a maximum of $300 (Premium), $500 (Business) or $1,000 (First).