Buy FWD Travel Insurance in Singapore | 40% OFF
Compare single-trip or annual FWD travel insurance prices on MoneySmart and get a great plan at an affordable price! Up to 40% OFF.
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We found 3 FWD Insurance Plans for you!
Cancel for any reason add-on available
S$19.81
S$33.0140% OFF
Total Premium
MoneySmart Exclusive
[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 40% off Single Trip plans and 35% off Annual Travel plans with code FWDGSS. Valid from 11 to 12 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Valid till 21 Jun 2026
APPLY NOW for FWD Premium
on FWD's secure site
3-hour delay & cruise cover included
S$29.36
S$48.9440% OFF
Total Premium
MoneySmart Exclusive
[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 40% off Single Trip plans and 35% off Annual Travel plans with code FWDGSS. Valid from 11 to 12 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Valid till 21 Jun 2026
APPLY NOW for FWD Business
on FWD's secure site
3-hour delay & cruise cover included
S$32.54
S$54.2440% OFF
Total Premium
MoneySmart Exclusive
[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 40% off Single Trip plans and 35% off Annual Travel plans with code FWDGSS. Valid from 11 to 12 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Valid till 21 Jun 2026
APPLY NOW for FWD First
on FWD's secure site
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FWD Travel Insurance: Key Benefits & Promos 2026
Planning a trip is exciting, but it also comes with risks. From flight delays and lost baggage to unexpected medical bills overseas, FWD travel insurance is designed to cover those surprises while keeping things simple and digital. Known for their COVID-19 add-on, cashless medical claims, and 180-day advance purchases, these are just a few reasons why FWD is a popular choice among Singapore travellers, plus the latest lowdown of MoneySmart-exclusive perks you should know about.
Why Consider FWD Travel Insurance?
1. Easy digital access
- Buy and manage your policy online or through the FWD SG app.
- Cashless outpatient treatment in Singapore and instant access to policy documents.
2. Flexible trip coverage
- Choose between Single Trip and Annual Plans.
- Cover short getaways or frequent travel for up to 90 days per trip.
- Insure trips up to 365 days in advance (FWD First and Business).
3. Covid-19 protection (Optional add-on)
- Medical expenses overseas: Capped at S$200,000
- Emergency medical evacuation: Capped at S$200,000
- Trip cancellation or disruption: Up to S$5,000
- Hospital allowance: S$100/day (up to 14 days).
- Automatic policy extension: 21 days
4. Strong medical and travel inconvenience benefits
- Overseas medical expenses: Up to S$200,000 (Premium), S$500,000 (Business), and S$1,000,000 (First).
- Personal accident cover: Up to S$200,000 (Premium), S$300,000 (Business), and S$400,000 (First).
- Baggage protection: up to S$3,000 (Premium), S$5,000 (Business), and S$7,500 (First).
- Travel delay: up to S$300 (Premium), S$1,500 (First), and S$800 (Business).
- Pre-existing conditions (Single-trip add-on): Medical coverage of up to S$50,000 (Premium), up to S$100,000 (Business), up to S$150,000 (First); 50% co-payment applies to some benefits.
5. Adventure & leisure coverage
- Covered for activities like hiking (below 3,000m), scuba diving, hot air ballooning, skiing, bungee jumping, and sky diving.
- Optional add-on for pre-existing conditions (Single Trip only, up to 30 days). Medical coverage of:
- Up to S$50,000 (Premium),
- Up to S$100,000 (Business),
- Up to S$150,000 (First); 50% co-payment applies to some benefits
FWD Travel Insurance Plan Comparison: Premium vs Business vs First
| Plan | Overseas Medical Coverage | Trip Cancellation | Baggage Loss/Damage | Travel Delay | Personal Accident | Premium |
|---|---|---|---|---|---|---|
| Premium | S$200,000 | S$7,500 | S$3,000 | S$50 per 3 hours (capped at S$300) | S$200,000 | – |
| Business | S$500,000 | S$10,000 | S$5,000 | S$50 per 3 hours (capped at S$800) | S$750,000 | – |
| First | S$1,000,000 | S$15,000 | S$7,500 | S$50 per 3 hours (capped at S$1,500) | S$1,000,000 | – |
Affordable Protection, Comprehensive Coverage?
Your favourite "cheap" travel insurance, properly reviewed. We dig into what FWD travel insurance actually covers, and what it quietly doesn't.
Comparing The Coverage Of The Best Travel Insurance In Singapore
| Insurance provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Baggage Damage or Loss | Premium |
|---|---|---|---|---|---|
| Allianz | Emergency transportation (Includes COVID-19 Coverage) | From S$200,000 | From S$1,500 | From S$1,000 | From S$14.80 |
| DirectAsia | "Kids travel with free coverage" benefit (Families) | From S$150,000 | From S$3,000 | From S$1,000 | From S$16.87 |
| FWD | Lower premiums | From S$200,000 | From S$7,500 | From S$3,000 | From S$15.98 |
| Great Eastern | Coverage for sports and adventurous activities | From S$100,000 | From S$2,000 | From S$2,500 | From S$16.20 |
| Hong Leong Assurance | No claim discount of up to 10% on next trip | From S$150,000 | From S$5,000 | From S$3,000 | From S$20.70 |
| Income | Post-departure purchase up to a day of departure | From S$250,000 | From S$5,000 | From S$3,000 | From S$21.49 |
| MSIG | Comprehensive coverage (includes pre-existing conditions) | From S$250,000 | From S$5,000 | From S$3,000 | From S$10.80 |
| Singlife | High or unlimited overseas medical coverage | From S$250,000 | From S$5,000 | From S$3,000 | From S$23.83 |
| Sompo | Specially tailored plan for Japan trips | From S$200,000 | From S$5,000 | From S$1,000 | From S$22 |
| Starr | Cruise coverage | From S$200,000 | From S$5,000 | From S$3,000 | From S$16.30 |
| Tiq | Auto-pay out and higher efficiency for flight delays | From S$200,000 | From S$5,000 | From S$2,000 | From S$16 |
| Zurich | Complimentary lounge access for flight delays | From S$100,000 | From S$2,500 | From S$2,000 | From S$16.62 |
| UOI | Extensive coverage including COVID-19 | From S$100,000 | From S$3,000 | From S$1,000 | From S$36 |
Disclaimer: Accurate as of 9 February 2026. Premiums shown in this table are “from” prices based on the insurer’s entry-level plan for a short trip to a low-risk regional destination (typically 3–4 days within Asia, single adult traveller). Actual premiums will vary depending on your destination, duration, age, coverage tier, and add-ons selected. Always run a personalised quote to get the exact cost for your trip.
How to use this table?
- Start with coverage needs: If you’re mainly worried about medical bills overseas, Starr and FWD both offer solid base coverage of $200,000.
- Check COVID-19 protection: Starr Bronze includes $15,000 in overseas medical cover, while FWD offers a higher add-on option (up to $200,000).
- Look at travel disruption: FWD provides stronger cancellation protection ($7,500 vs Starr’s $5,000).
- Review baggage cover: Both Starr and FWD protect against baggage loss/delay, though Starr offers higher delay payouts.
- Don’t miss MoneySmart Exclusive promos: Promotions can tilt the balance.
Should You Buy FWD Travel Insurance?
FWD travel insurance works well for travellers who want:
💡 MoneySmart Exclusive: Be sure to apply for FWD travel insurance via our MoneySmart comparison page to enjoy exclusive limited-time promos not available elsewhere! ⚡
However, just like any other policy, FWD travel insurance plans come with their own set of caveats. Common exclusions include:
- ✅ Convenience: 100% digital experience and cashless treatment options.
- ✅ Comprehensive coverage: Medical, trip cancellation, baggage, and extreme sports included.
- ✅ Flexibility: Choose from three tiers—Premium, First, and Business—based on budget and travel style.
💡 MoneySmart Exclusive: Be sure to apply for FWD travel insurance via our MoneySmart comparison page to enjoy exclusive limited-time promos not available elsewhere! ⚡
However, just like any other policy, FWD travel insurance plans come with their own set of caveats. Common exclusions include:
- Unlawful acts (breaking local laws while overseas).
- Alcohol/drug-related incidents leading to accidents or claims.
- Professional sports or extreme activities beyond the listed adventure sports add-on or leisure coverage.
- Pre-existing medical conditions unless you buy the add-on.
- Trips longer than 90 days (per trip, even for annual policies).
Who does each FWD travel insurance plan suit best?
FWD Premium
Best for budget-conscious travellers who want solid coverage for short trips without paying for extras they may not need.
FWD Business
A strong middle ground. Great for those who want higher coverage than Premium without going all the way to First.
FWD First
Ideal for frequent travellers, families, or long-haul trips. It offers the highest protection across medical, cancellation, and baggage.
FWD Travel Insurance Add-Ons Explained: Covid-19, Pre-Existing Conditions & More
Sometimes, standard travel insurance isn’t enough. If you’re travelling during uncertain times, planning adventurous activities, or have existing health conditions, FWD’s add-ons can give you that extra layer of protection. Here’s what you need to know.
Covid-19 coverage (Optional add-on)
Covid-19 concerns stemming from trip cancellations, overseas medical bills, or last-minute disruptions remain common among Singapore travellers. Knowing this, FWD lets you enhance your plan’s COVID-19 travel benefits like:
Overseas medical expenses:
Trip cancellation / disruption:
Hospital allowance: S$100/day (14 days) across all tiers
Quarantine allowance: S$50/day (14 days) across all tiers
- Premium: Up to S$200,000
- Business: Up to S$500,000
- First: Up to S$1 million
- Premium: Up to S$5,000
- Business: Up to S$10,000
- First: Up to S$15,000
Pre-existing conditions add-on (Single-trip only)
Travelling with an existing medical condition? Standard policies typically exclude conditions like asthma, diabetes, or high blood pressure, but FWD’s optional pre-existing condition add-on (for overseas medical coverage) helps tie these loose ends:
Premium: Up to S$50,000; 50% co-payment applies for some trip benefits
Business: Up to S$100,000; covers cancellation, postponement, disruption with co-payment
First: Up to S$150,000; highest protection for chronic conditions
Adventure & leisure coverage (Included by default)
Unlike many insurers, FWD already includes popular activities in all its plans:
- Scuba diving
- Hiking or trekking (below 3,000m)
- Skiing and snow sports
- Hot air ballooning
- Bungee jumping
- Sky diving
FWD Travel Insurance Review: Pros & Cons for Singapore Travellers
Each travel insurance has its pitfalls, but understanding these trade-offs helps you make a smarter choice. Here’s a balanced look at FWD travel insurance, highlighting where it shines and where it may not fit every traveller.
✅ Pros
- 100% digital sign-up and claims through the FWD SG app.
- Affordable entry-level premiums (Premium plan starts around S$22).
- Wide leisure activity coverage included (scuba diving, skiing, ballooning, etc.).
Flexible add-ons: Covid-19 and pre-existing conditions available.
❌ Cons
- Maximum trip length capped at 90 days, even for annual plans.
- Lower medical coverage on Premium plan (S$200,000) vs. some competitors.
- Pre-existing condition add-on limited to Single Trip policies only (up to 30 days).
- 50% co-payment applies to certain pre-existing add-on benefits.
- Higher-tier competitors from other insurers offer relatively more generous coverage limits.
How to Buy, Claim, Extend & Cancel FWD Travel Insurance
One of FWD’s biggest advantages is its digital-first approach: you can buy, claim, extend, and even cancel your travel insurance policy entirely online. Here’s a step-by-step guide for Singapore travellers.
Step 1
How to buy FWD travel insurance via MoneySmart?
- Click on the “Apply Now” button of your preferred FWD Travel Insurance plan on our MoneySmart travel insurance comparison page.
- Next, you’ll be redirected to our MoneySmart Rewards Form to fill up your email address to qualify and track the status of your MoneySmart Exclusive sign-up gift, if any.
- Continue to use your MyInfo via SingPass to complete your digital application.
Policies can be purchased up to 365 days in advance for future trips.
Step 2
How to make an FWD travel insurance claim?
- Submit your claim online via the FWD SG app or portal.
- Upload the required documents (e.g., medical receipts, airline confirmation, police report for lost baggage).
- FWD also offers cashless outpatient treatment in Singapore, making some claims easier.
Processing times vary depending on the claim type. Always keep copies of your documents handy.
Step 3
How to extend an FWD travel insurance policy?
- Extensions must be requested before your policy expires.
- Coverage applies for up to 90 days per trip, even under annual multi-trip plans.
- If you need to stay abroad longer, arrange an extension while still overseas, before your current cover ends.
Step 4
How to cancel an FWD travel insurance policy?
- Policies can be cancelled, but refunds are subject to FWD’s terms and conditions.
- In most cases, cancellation is allowed before the trip starts; administrative fees may apply.
- Always check the policy wording for refund eligibility.
Frequently Asked Questions
Does FWD travel insurance cover flight cancellation?
- Yes, FWD travel insurance in Singapore does cover flight cancellation, primarily under its "Trip Cancellation and Loss of Deposit" benefit. This means if your trip is cancelled due to specific insured events, you can claim for non-refundable, prepaid transport and accommodation expenses. The types of events and exact cover depend on your plan and any optional add-ons you select.
How long does an FWD claim take?
- FWD states that most claims in Singapore are processed within about 14 working days to one month, although actual turnaround depends on your claim type and how complete your documentation is. These are general guidelines—some straightforward claims are settled faster, but others take longer, especially if extra verification is needed or documents are missing.
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).
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.
Does FWD travel insurance cover Covid-19?
- Yes, but only with the Covid-19 add-on. It covers:
- Medical bills overseas (up to plan limits)
- Trip cancellation/disruption (S$5,000–S$15,000 by plan)
- Hospital allowance: S$100/day (up to 14 days)
- Quarantine allowance: S$50/day (up to 14 days)
Are pre-existing conditions covered?
- Not by default. Coverage requires the Pre-Existing Conditions Add-On, available only for Single Trip policies (≤ 30 days). Limits range from S$50,000 (Premium) to S$150,000 (First), with a 50% co-payment for certain benefits.
What’s the maximum trip length?
- All FWD plans cover trips up to 90 days, including annual multi-trip policies.
Are adventure sports covered?
- Yes. FWD covers scuba diving, skiing, ballooning, bungee jumping, hiking (below 3,000m), and sky diving in all plans.
How do I make a claim?
- Submit your claim digitally through the FWD SG app or online portal. Upload supporting documents (e.g., medical receipts, airline confirmation, police report). Online claims are supported, but note that cashless outpatient treatment in Singapore may not be available for all cases and depends on the claim type.
Can I extend my policy while overseas?
- Yes. Request an extension before your policy expires. Each trip remains capped at 90 days.
Are there exclusive promotions on MoneySmart?
- Yes. Buying through MoneySmart.sg gives you access to exclusive FWD promos not found elsewhere, such as discounted premiums, complimentary travel eSIM, and more.