Buy Income Travel Insurance in Singapore 2026 | Up to 50% OFF
Find affordable Income single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price
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We found 6 Income Insurance Plans for you!
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
[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:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 18 to 23 Jun 2026, 9:00AM
Valid till 21 Jun 2026
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Read our Income Travel Insurance Review
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Income Travel Insurance: What You Need to Know
Income travel insurance is a MAS-regulated Singapore insurer offering travel plans with coverage up to S$1 million for medical expenses, pre-existing condition support, and adventure sports. Digital claims, multilingual support, and COVID-19 coverage are also available across all tiers.
Income Travel Insurance Comparison: Standard vs Enhanced PreX Plans
Income Insurance offers a flexible range of travel insurance plans to suit the needs of solo adventurers, families, and those with specific medical requirements. Here how each plan’s coverage limits and benefits stacks up for Singapore travellers:
Coverage type | Standard plans (Classic/Deluxe/Preferred) | Enhanced PreX plans (Basic/Superior/Prestige) |
Overseas medical expenses | Classic: Up to S$250,000 Deluxe: Up to S$500,000 Preferred: Up to S$1 million | Basic: Up to S$100,000 Superior: Up to S$200,000 Prestige: Up to S$300,000 |
Emergency medical evacuation | Classic: Up to S$500,000 Deluxe & Preferred: Unlimited | Basic: Up to S$200,000 Superior & Prestige: Unlimited |
Pre-existing medical conditions | Not covered | Covered for declared conditions (25% co-payment) |
COVID-19 & infectious diseases | Covered across all plan tiers | Covered across all PreX plans |
Baggage loss / damage | Classic: Up to S$4,000 Deluxe: Up to S$6,000 Preferred: Up to S$8,000 | Basic: Up to S$4,000 Superior: Up to S$6,000 Prestige: Up to S$8,000 |
Trip cancellation / disruption | Classic: Up to S$5,000 Deluxe: Up to S$10,000 Preferred: Up to S$15,000 | Basic: Up to S$5,000 Superior: Up to S$10,000 Prestige: Up to S$15,000 |
Adventure sports | ✅ Included: Skiing, snowboarding, bungee, certified scuba diving (≤ 30m), hiking (< 6,000m), hot air balloon ❌ Excluded: Extreme / unlicensed activities, mountaineering > 6,000m | |
💡 MoneySmart Tip: Choosing between single trip or annual travel insurance plans? Compare coverage options and find the right fit using our MoneySmart travel insurance comparison tool.
Key Income Travel Insurance Exclusions & Critical Limits
Travel insurance can save the day—unless you get tripped up by exclusions that make claims go nowhere. Here’s a no-nonsense list of the most important exclusions that you should be aware of:
- ❌ Undeclared pre-existing medical conditions: Must declare upon purchasing Enhanced PreX plans; standard plans exclude all pre-existing illnesses.
- ❌ Hazardous or unlicensed activities: Excludes extreme sports, unlicensed activities, mountains > 6,000m.
- ❌ Unattended valuables: Loss of unattended items (phones, cash, jewellery) not claimable; keep belongings in sight.
- ❌ Late or missing documents: Claims rejected if submitted > 30 days after incident or without required police/medical reports.
- ❌ Alcohol or drug-related offences: No cover for incidents involving intoxication or illegal substances.
- ❌ Government travel advisories: No cover for trips to destinations under active MFA advisory at time of travel.
💡 MoneySmart Tip: Be mindful of payout sub-limits when high-value items (electronics: up to S$1,000; jewellery: up to S$750) exceed the total baggage payout limit.
Comparison: Average Cost and Coverage Extent of Travel Insurance in Singapore
Insurance provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Baggage Damage or Loss | Premium |
Emergency transportation (Includes COVID-19 Coverage) | From S$200,000 | From S$1,500 | From S$1,000 | From S$14.80 | |
"Kids travel with free coverage" benefit (Families) | From S$150,000 | From S$3,000 | From S$1,000 | From S$16.87 | |
Lower premiums | From S$200,000 | From S$7,500 | From S$3,000 | From S$16.75 | |
Coverage for sports and adventurous activities | From S$100,000 | From S$2,000 | From S$2,500 | From S$16.20 | |
No claim discount of up to 10% on next trip | From S$150,000 | From S$5,000 | From S$3,000 | From S$18.40 | |
Post-departure purchase up to a day of departure | From S$250,000 | From S$5,000 | From S$3,000 | From S$26.86 | |
Comprehensive coverage (includes pre-existing conditions) | From S$250,000 | From S$5,000 | From S$3,000 | From S$17.40 | |
High or unlimited overseas medical coverage | From S$250,000 | From S$5,000 | From S$3,000 | From S$22.58 | |
Specially tailored plan for Japan trips | From S$200,000 | From S$5,000 | From S$1,000 | From S$17.60 | |
Cruise coverage | From S$200,000 | From S$5,000 | From S$3,000 | From S$17.16 | |
Auto-pay out and higher efficiency for flight delays | From S$200,000 | From S$5,000 | From S$2,000 | From S$16 | |
Complimentary lounge access for flight delays | From S$100,000 | From S$2,500 | From S$2,000 | From S$16.62 | |
Extensive coverage including COVID-19 | From S$100,000 | From S$3,000 | From S$1,000 | From S$36 |
Disclaimer: Accurate as of 23 March 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 S$200,000.
- Check COVID-19 protection: Starr Bronze includes S$15,000 in overseas medical cover, while FWD offers a higher add-on option (up to S$200,000).
- Look at travel disruption: FWD provides stronger cancellation protection (S$7,500 vs Starr’s 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.
Eligibility & Application Process for Income Travel Insurance
Eligibility criteria
Criteria | Standard Plans | Enhanced PreX Plans |
Age | < 70 years old: Full benefits for travellers (including children) > 70 years old: Medical & evacuation limits combine into single caps (reduced overall coverage) | |
Residency | Singaporeans, PRs, pass holders | |
Trip types | Leisure, business, adventure (listed sports) | |
Duration | Single: 180 days Annual: 90 days/trip | |
Late purchase | Within 1 day of departure | |
Pre-existing conditions | N/A | Covered if declared at purchase (e.g. diabetes, asthma, hypertension, etc.) Family plans must list all children’s names at sign-up. |
How to apply for Income Travel Insurance: Step-by-step guide
Before you start, gather these documents:
- NRIC/FIN/passport (all insured persons)
- Travel itinerary or flight booking confirmation
- Health declaration form (mandatory for Enhanced PreX plans)
- Family member names and details (if applicable)
Step | Action |
1. Compare Income travel insurance plans | Use our MoneySmart’s Income travel insurance comparison page to enter travel dates, destinations, and number of travellers to get instant quotes. From there, pick your tier (Standard Classic/Deluxe/Preferred or Enhanced PreX Basic/Superior/Prestige) based on medical coverage, trip needs, and preferred premium prices. While you’re at it, verify your eligibility:
|
2. Apply for your plan | Once decided, click "Apply Now” to begin your application journey. For Singaporeans/PRs, you can easily use Singpass MyInfo to auto-fill personal details, travel itinerary, cover type (individual/family/annual), and declare any pre-existing conditions (if PreX plan). 💡 Remember to provide your email address in the MoneySmart Rewards Form, if applicable. This qualifies you for the current MoneySmart exclusive sign-up rewards and tracks its redemption status. |
3. Make payment | Pay via credit/debit card at checkout. Payment confirms instantly and MoneySmart promo discounts apply automatically. |
4. Receive policy documents | Policy certificate and full wording emailed immediately. Download and save digital copies before your trip commences. |
💡 MoneySmart Tip: Income allows post-departure applications (up to 1 day after departure) for per-trip plans. For Enhanced PreX plans, honest declaration of pre-existing conditions is necessary to qualify fully. Else, omission will lead to voided claims.
For even more tips on travel insurance savings, check out the MoneySmart guide to how to get discounts on travel insurance.
How to Make a Claim with Income Travel Insurance: Step-by-Step Guide
Making a claim with Income travel insurance is designed to be simple and user-friendly, but being prepared makes all the difference. Here’s a practical step-by-step guide tailored to Singapore travellers, including tips for common claim types like COVID-19, pre-existing conditions, family, and annual plans.
Step #1: Respond to the incident immediately
Seek medical help or report to police on-site (for theft, loss, or accidents). Collect all proof immediately: receipts, reports, medical certificates, and documentation. This is critical because documents obtained later are harder to verify.
Step #2: Notify Income promptly
Start your claim within 24–48 hours (ideally) via Income's online claims portal. For emergencies, call +65 6338 1222 (24/7). You must submit your complete claim within 30 days of the incident.
Step #3: Prepare the required documents
Document requirements by claim type:
Claim type | Required documents |
Medical claims | Doctor's diagnosis, medical reports, receipts for payment, hospital invoices |
Baggage loss or damage | Airline-issued Property Irregularity Report (PIR), police report (within 24 hours for theft), proof of ownership and value (receipts) |
Trip cancellation / interruption | Medical certificate or proof of event (illness, injury, death certificate, official advisories), travel itineraries, booking and cancellation proofs |
Loss of travel documents | Police report, receipts for replacement documents/expenses |
Family claims | Proof of relationship (birth/marriage certificates) if claiming for children/spouse |
Pre-existing condition claims (Enhanced PreX) | Detailed medical records showing declared condition was covered, treatment received, all billing (25% co-payment applies) |
COVID-19 claims | COVID-positive test results, isolation orders, hospital records (medical treatment, disruption, or trip cancellation) |
💡 MoneySmart Tip: Always check that you attach clear scans/photos and that documents are not tampered with or incomplete.
Step #4: Submit the claim
Upload all required documents and fill in your details at Income's online claims portal—this is the fastest and most trackable method. Alternatively, email [email protected] or visit an Income branch, but portal submission is recommended.
Step #5: Track and await Income’s update
Most claims are processed within 2–4 weeks if documents are complete; complex cases (pre-existing, large losses) may take longer. Approved payouts are credited directly to your bank account. Income will contact you if additional documents are needed. Quick responses will help to keep processing on track.
Travel Add-Ons, Emergency Advice & Packing Tips
When you want a worry-free trip from Singapore—whether it’s for adrenaline, work or family—a little prep goes a long way. Here’s the lowdown on key add-ons, emergency steps, plus a pre-trip checklist for Income travel insurance.
Built-in coverage features
Feature | Coverage | Sub-Limits | Activation |
Adventure sports | Skiing, snowboarding, bungee, scuba (certified, ≤30m), hiking <6,000m, hot air balloon | No extra cost; check policy list for activity | Confirm activity listed in policy before travel |
Gadget & baggage | Electronics, cameras, valuables | Laptop S$1,000/item; valuables S$200–S$750 (plan-dependent) | Keep receipts; report loss immediately overseas |
Trip disruption | Medical illness, injury, emergency shortening/cancellation | Up to S$15,000 (Preferred/Prestige); lower for other tiers | File claim with medical cert + airline report within 30 days |
Note: Pre-existing condition trip disruption only covered under Enhanced PreX (25% co-payment applies).
Customer Reviews on MoneySmart Travel Insurance Applications
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FAQs About Income Travel Insurance in Singapore
What’s the difference between Income Standard and Enhanced PreX plans?
Standard plans (Classic, Deluxe, and Preferred) provide medical coverage ranging from S$250,000 to S$1 million, although they exclude pre-existing medical conditions.
In contrast, Enhanced PreX plans (Basic, Superior, and Prestige) offer S$150,000 to S$500,000 in medical benefits. These plans specifically cover pre-existing issues like asthma, diabetes, and hypertension, provided there is a 25% co-payment on any related claims.
What medical expenses and activities are covered by Income travel insurance?
✅ Covered
- Up to S$250,000 to S$1 million overseas medical expenses for doctor visits, hospital stays, medications, and emergency evacuations
- Adventure sports coverage for select activities like skiing, scuba diving (< 30m), bungee, hiking (< 6,000m), hot air ballooning, and skydiving
- Up to S$5,000 to S$15,000 for trip cancellation over illness, injury, death of family member in the form of flight or hotel reimbursements
- Up to S$3,000 to S$8,000 baggage loss / damage per person; valuable items have varying caps (e.g. laptop capped at S$1,000; valuables capped at S$750)
❌ Not covered: Travel warnings, alcohol/drug incidents, pregnancy >24 weeks, unattended baggage, non-declared pre-existing conditions.
Note: All benefits and limits are subject to the final official policy wording, including specific sub-limits and exclusions that govern claim payouts.
Can I buy Income travel insurance after departure?
Yes, you can still purchase Income travel insurance within 1 day of departure for per-trip plans. However, be mindful that coverage starts only after purchase—incidents before purchase aren't covered. For annual plans, add new trips anytime within the annual period.
We recommend purchasing your Income travel insurance plan using our MoneySmart travel insurance portal. Compare plans, receive instant quotes, pay with a debit/credit card, and receive your confirmed policy via email within minutes!
How do I submit a claim to Income travel insurance?
Submit a claim to Income travel insurance within 30 days by following these steps:
- Submit via Income claims portal, email ([email protected]), or phone (+65 6338 1222)
- Provide supporting docs: receipts, police/medical reports, airline PIR for baggage
- Airline Property Irregularity Report (PIR): Filed at airport
- Police report: If theft or damage occurred
- Original receipts for lost items
- Proof of ownership: Photos, statements, correspondence
- Processing takes 2–4 weeks for straightforward claims
What if I need to cancel, extend, or modify my policy?
- Cancellation: Generally not possible after trip starts
- Extension/additions: Only possible mid-journey for annual multi-trip plans if you return to Singapore between trips
- Changes: Contact +65 6338 1222 (24/7)—Income may help in specific situations