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Buy Income Travel Insurance Online in Singapore 2024 | Enjoy 50% OFF

Find affordable Income single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price Read More
Traveling to Thailand 27 Jul 2024 - 29 Jul 2024
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We found 4 Income Travel Insurances for you!
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INCOME Standard Classic

Total Premium

S$21.09

50% OffS$42.18
Online Promo

INCOME Standard Classic

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$42.1850% Off
S$21.09
Online Promo:
Enjoy 50% off Income Standard per-trip Travel Insurance plans. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Read More
More Details
INCOME Standard Deluxe

Total Premium

S$24.91

50% OffS$49.82
Online Promo

INCOME Standard Deluxe

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$49.8250% Off
S$24.91
Online Promo:
Enjoy 50% off Income Standard per-trip Travel Insurance plans. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Read More
More Details
INCOME Enhanced PreX Superior

Total Premium

S$68.85

15% OffS$81
Online Promo
Pre-existing medical condition coverage available

INCOME Enhanced PreX Superior

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$8115% Off
S$68.85
Online Promo:
Enjoy 15% off Income Enhanced PreX per-trip Travel Insurance plans. T&Cs apply.
Valid until 31 Aug 2024 - See more details below
Read More
More Details
INCOME Enhanced PreX Prestige

Total Premium

S$80.75

15% OffS$95
Online Promo
Pre-existing medical condition coverage available

INCOME Enhanced PreX Prestige

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$8,000
Total Premium
S$9515% Off
S$80.75
Online Promo:
Enjoy 15% off Income Enhanced PreX per-trip Travel Insurance plans. T&Cs apply.
Valid until 31 Aug 2024 - See more details below
Read More
More Details

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Read our Income Travel Insurance Review

Read Income Review

Best Income Travel Insurance Singapore 2024

Formerly known as NTUC Income Insurance, Income Insurance Limited (Income Insurance) remains one of Singapore's leading composite insurers, offering life, health, general, and travel insurance. Notably, it's the only insurer allowing travel insurance purchases up to a day after departing Singapore*.

Income Insurance's travel plans come in four tiers, catering to solo travelers, business frequent flyers, and families. In this review, we'll explore the different travel insurance options to find the best fit for your needs. Let’s look at Income Insurance’s selection of travel insurance plans in this review.

Income Travel Insurance Coverage & Other Key Benefits

Overseas medical coverage with pre-existing conditions benefits

Income's plans offer up to $1,000,000 for overseas medical treatments, including COVID-19, under the Travel Insurance Preferred plan for adults under 70. For those needing more comprehensive coverage, opt for their Enhanced PreX plans which include pre-existing conditions.

Flexibility to purchase coverage after flight departure

This feature is exclusively available for per-trip plans (Income’s Travel Insurance plans and Enhance PreX Travel Insurance plans), and gives great convenience in situations when you forget to buy your travel insurance plans after you've departed Singapore.
*Just note that it must be purchased within 24 hours after you’ve departed Singapore.

Unlimited no. of children covered in Family Cover

Income Travel Insurance’s Family cover provides coverage for you and your spouse at the time of purchase and any number of children as long as you are the legal parent or legal guardian of your children, and your child(ren) must be insured under the same policy as you. At the same time, you and your family members must travel together if insured under single trip plans (not applicable for yearly plans).

Protection against terrorism

Income Travel Insurance offers full terrorism coverage up to $100,000 - S$1.5 million, depending on your plan. You can claim for any terrorism-related losses listed in your policy, up to your plan’s limit.

Extreme sports coverage

Income Travel Insurance provide coverage for diving, paddleboarding, white water rafting, skiing, snowboarding snowmobiling, bungee jumping, skydiving, motorcycling, and more.

Cruise coverage

Income Travel Insurance plans also cover cruise or cruise-to-nowhere trips. Even if you're already on a ferry or cruise and need to get travel insurance at the last minute, you'll still be covered when you purchase an Income Insurance plan. Ensure you're in Singapore's territorial waters and buy it through Income Insurance's online portal before passing through immigration.

Pros and Cons of Income Travel Insurance

Pros

  • Flexibility in post-departure insurance plan purchase (within 24 hours after departure from Singapore)
  • Convenient claims submission
  • 24/7 emergency assistance
  • Pre-existing conditions coverage with Enhanced PreX Yearly Travel Insurance covering conditions including conditions such as high blood pressure, heart conditions, diabetes, asthma, eczema and more
  • Complimentary telemedicine consultation with Enhanced PreX Yearly Travel Insurance
  • Claim benefits for overseas transport and accommodation expenses due to pre-existing medical conditions
  • Extreme sports and cruise coverage
  • Trip interruption or cancellation coverage
  • Coverage for personal accident and public transport double cover for accidental death
  • COVID-19 coverage
  • Cover against acts of terrorism
  • Automatic extension of cover

Cons

  • More expensive than most insurers
  • Limited coverage for certain types of extreme sports during the trip
  • No coverage for travel against prohibitions/acts/travel alerts/bulletins by any government or public authority
  • Limited coverage for miscarriages caused by accidental falling with external injury or by traffic accident is covered, subject to the limits of the policy
  • All other pregnancy-related issues will not be covered
  • May be a challenge for those who are less savvy with using mobile apps like My Income app to manage travel claims submissions

Types Of Income Travel Insurance Plans

Income Standard Classic

Benefits include:

  • Up to $250,000 for Medical Coverage
  • Up to $5,000 for Trip Cancellation Coverage
  • Up to $3,000 for Reimbursement for Loss/Damage of Baggage

    • The Income Standard Classic plan is the most wallet-friendly option among all Income Travel Insurance plans. Ideal for travelers who prefer a hassle-free and decent coverage including overseas medical expenses, post-trip medical expenses, trip cancellation, personal baggage damage, and more.

    Income Standard Deluxe

    Benefits include:

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

    • Great for frequent travellers who need slightly more coverage, this category is Income Insurance's mid-tier travel insurance plan. The coverage is similar to the Standard plan, except with more benefits and higher claim limits. Additional benefits include public transport double cover for accidental death, double the claim limit for overseas medical expenses as well as trip cancellation as compared to the Standard plan.

    Income Enhanced PreX Superior

    Benefits include:

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

    • The Income Enhanced PreX Superior plan provides extensive travel insurance coverage, specifically designed for individuals with pre-existing medical conditions including diabetes, heart conditions, high blood pressure, asthma, eczema and more. The overall coverage also includes claim benefits for overseas medical expenses, emergency medical evacuation and repatriation due to pre-existing medical conditions.

    Income Enhanced PreX Prestige

    Benefits include:

  • Up to $1,000,000 for Overseas Medical Coverage
  • Up to $15,000 for Trip Cancellation Coverage
  • Up to $8,000 for Reimbursement for Loss/Damage of Baggage

    • The Income Enhanced PreX Prestige plan offers the highest level of coverage among all of Income Travel Insurance plans, providing the most generous range of benefits for overseas and post-trip medical expenses, trip cancellations, and personal baggage damage. Thus, it may be ideal for you as a traveller if you're seeking the utmost protection, particularly if you or your travel companion have any pre-existing medical conditions.

    3 Steps to Submit your Income Travel insurance claim

    Step 1

    Prepare your supporting documents

    When claiming with Income Insurance, scan or photograph original documents for online submission and keep the originals for six months, as they may be needed for review.

    The supporting documents 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 2

    Fill in your details and upload supporting documents

    Once your supporting documents are ready, you can file your claim at Income Insurance’s Online Claims Portal , enter your details and upload supporting documents. Alternatively, use the My Income app for mobile submissions. This documentation helps Income Travel Insurance assess your claim.

    Step 3

    Wait for Approval of claim and settlement

    After submitting your claim via Income's portal, you'll receive an acknowledgment email. Your claim will be reviewed, and upon approval, Income will coordinate payments with the relevant airline, medical facilities, or travel agency. For queries, contact income.com.sg/advisor-connect or call +65 6788 1222.

    Income Travel Insurance Refunds & Cancellations

    As long as you’ve bought a single trip, multi-trip or family travel insurance policy from Income Travel Insurance, you may be able to claim for overseas transport and accommodation expenses if your trip has been cancelled or shortened. However, the event has to take place after you have bought your policy and the event has to occur within 30 days before you depart Singapore. Another thing to consider is that the policy must be bought three days (or earlier) from the day of leaving Singapore unless the event is only accidental in nature.

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    Frequently Asked Questions

    How long does it take to receive payment for a claim?

    If your claim is eligible for payment, it may take about 15 working days to process your claims after all required documents are received. Note that the processing time and disbursements during travel peak periods may take longer.

    Does Income travel insurance cover my trip cancellation/postponement expenses if I am diagnosed with COVID-19 prior to my trip?

    Yes, if you have purchased your policy three days (or earlier) from the day you leave Singapore, we will respond to claim arising from COVID-19 for benefits stated in your Income Travel Insurance plans policy for cancelling your trip (Section 1) or postponing your trip (Section 2), with submission of valid supporting documents.