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Covid-19 & Infectious Disease Travel Insurance In Singapore

Covid-19 and infectious disease travel insurance is for Singapore residents who want protection if they fall sick or face trip disruption due to covered illnesses while travelling. It is bought from Singapore‑based insurers and can sit on top of standard travel insurance benefits like overseas medical cover, baggage concerns, and trip delays.

Specifically, it addresses:

Whether travel insurance covers Covid-19 and other infectious diseases, and what medical and trip benefits are usually included
Which medical or pre‑existing conditions are often not covered
How Singapore insurers compare on Covid-19 and infectious disease cover, and how to choose and apply for a suitable plan through MoneySmart

Disclaimer: Coverage terms differ across insurers and can change when policy wordings are updated, so always read the latest policy wording and summary of benefits before you buy. This information is general in nature, not financial advice or a substitute for professional or medical guidance. Speak to a doctor and/or a licensed adviser, if you have specific travel health concerns.

How Does Covid-19 & Infectious Disease Travel Insurance Coverage Work?

Many standard travel insurance plans include Covid-19 and infectious disease cover as part of standalone coverage, while others offer it as an add‑on. For example, MSIG TravelEasy Standard includes Covid-19 cover as standard, while FWD Premium and Tiq Entry both offer it as an optional add‑on.

Infectious diseases are illnesses you catch, such as Covid‑19 or dengue, rather than long‑term conditions you already live with—unlike pre‑existing medical conditions, which are health issues that existed before you bought the policy. Insurers treat the two differently, and claim eligibility often depends on evidence such as a positive test result or medical certificate.

Covid-19 and Infectious Disease Travel Insurance: Coverage Benefits

Covid-19 benefits can cover overseas treatment (hospitalisation, doctor consultations and prescribed medication), emergency evacuation to another hospital, repatriation back to Singapore, non-refundable trip costs if you cancel or cut short your trip (curtailment), and a daily allowance if you must quarantine overseas.

All figures below are Covid-19-specific limits:

Plan	Covid-19 cover	Medical expenses	Evacuation and repatriation	Trip cancellation and disruption	Quarantine allowance
FWD Premium	Add-on	Up to S$200,000, overseas or within 14 days of return to Singapore	Repatriation: Up to S$200,000 General evacuation: unlimited	Cancellation before trip: Up to S$5,000 Disruption during trip: Up to S$5,000	S$50 per day, up to 14 days
MSIG TravelEasy Standard	Built-in	S$75,000 for individuals below 70 (lower for older travellers and children)	Evacuation and repatriation: Up to S$1 million	Trip cancellation: Up to S$3,000 Trip curtailment: Up to S$3,000	S$50 per day, up to S$700
Tiq Entry	Add-on	Up to S$100,000	Repatriation of up to S$200,000	Trip curtailment and disruption: Up to S$3,000	S$100 every 24 hours, up to S$500
Singlife Travel Lite	Add-on	Up to S$50,000	Evacuation of up to S$250,000 Repatriation of up to S$30,000	Cancellation or postponement: Up to S$2,500 Trip interruption, back to Singapore: Up to S$2,500 Change of itinerary: Up to S$500	❌ Not covered

Covid-19 trip benefits are separate from general trip cancellation and “Cancel for Any Reason” cover, and MSIG’s limits are per individual (higher than family cover).

Additionally, some plans like FWD Premium also cover other infectious diseases as unexpected illnesses (unless declared epidemic or pandemic by World Health Organization or Singapore government). Always check each policy’s wording for the exact diseases and exclusions.

Common travel insurance exclusions

Exact wording varies by insurer, but most standard travel insurance plans won't pay out for claims arising from:

Pre-existing medical conditions, such as heart disease, lung disease or cancer, unless you buy a separate add-on
Diseases declared an epidemic or pandemic by the World Health Organization or the Singapore government (on some plans)
Travelling against government advisories or failing to follow local health regulations
Travelling while unfit to do so, or against a doctor's advice not to fly
Illegal or high-risk activities the policy doesn't list as covered
Self-inflicted injury
Travelling to get medical treatment overseas Travel insurance is not a substitute for medical clearance, so check with your doctor and follow airline rules before you fly.

Pros and Cons of Covid-19 & Infectious Disease Travel Insurance

Pros ✅	Cons ❌
Covers overseas Covid-19 medical bills, with limits from S$50,000 to S$200,000 across shortlisted plans	Costs more than basic cover, especially with Covid-19, pre-existing condition or adventure sports add-ons
Reimburses trip costs if a covered illness forces you to cancel, postpone or cut short your trip	Pandemic, pre-existing condition and quarantine rules can be complex
Pays for emergency evacuation and repatriation in countries with expensive foreign healthcare	Quarantine and change-of-mind costs are often capped or excluded
Bundles infectious disease cover with baggage, travel delay, and personal accident protection	Insurers can change Covid-19 and infectious disease terms as public-health conditions change

Whether enhanced Covid-19 and infectious disease cover is worth it largely depends on your health, destinations, travel plans, and budget.

Factors affecting the cost of travel insurance premiums

Trip details: Destination, duration, and whether the policy is single-trip or annual multi-trip. Longer trips and higher-risk destinations tend to cost more.
Plan tier: Higher tiers carry higher medical and trip limits, and higher premiums.
Number of travellers: Family or group policies cost more overall but may work out cheaper per person than separate policies.
Optional add-ons: Besides Covid-19 cover, other riders like pre-existing condition cover, adventure sports or "Cancel for Any Reason" will add to the cost of premium.

How to Apply For Covid-19 & Infectious Disease Travel Insurance on MoneySmart

Follow these steps to pick and buy a plan with the right Covid-19 and infectious disease cover:

Step	Action	Details
1	Compare & shortlist plans on MoneySmart	Note your destination, travel dates, number of travellers and planned activities such as winter sports or diving, and decide between single-trip and annual multi-trip cover. Enter your trip details (i.e. destination, travel dates, number of travellers, and planned activities like winter sports or diving) in MoneySmart's travel insurance comparison tool to see plans with built-in or optional Covid-19 & infectious disease cover. You’ll be able to get quotes, compare premiums, and key benefit limits from top insurers to shortlist the ones that fit.
2	Check eligibility	Confirm the age limits, residency requirements and maximum trip duration, and have your traveller details and trip dates ready.
3	Check plan cover, exclusions, and value	Check whether Covid-19 cover is built in or an add-on, then weigh each premium against its Covid-19 limits, quarantine caps, co-payments and exclusions (such as pre-existing conditions).
4	Apply and pay via MoneySmart	Click “Apply Now” on your chosen plan to go to the insurer's online form, select your plan and add-ons (such as Covid-19 or pre-existing condition cover), then pay online. Approval is usually quick.
5	Make payment	Pay for your policy online. Approval is usually quick, though some applications may need additional checks.
6	Receive your policy	The insurer usually emails you your policy schedule and wording. Check your Covid-19 add-on and travel dates are correct, and keep a copy handy while travelling.
7	Check your policy before you fly	The insurer usually emails you your policy schedule and wording. Confirm your Covid-19 add-on and travel dates are correct, note how to submit claims and reach 24/7 emergency assistance, and keep a copy handy.

Customer Reviews on MoneySmart Travel Insurance Applications

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Catch Flights, Not Medical Bills ✈️🏥

Falling sick overseas shouldn't wreck your holiday or your budget. Use our MoneySmart travel insurance comparison tool to review which ones cover Covid-19 and infectious diseases, and get covered before you fly.

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FAQs About Covid-19 & Infectious Disease Travel Insurance Plans

Does travel insurance in Singapore cover Covid-19?

Yes. Many plans include Covid-19 cover, either built in or as an add-on you select at purchase. Across the four plans compared above, Covid-19 limits range from:

Overseas medical expenses: From S$50,000 to S$200,000
Trip cancellation or disruption: From S$2,500 to S$5,000
Quarantine allowance: Up to S$500 to S$700, where offered

What illnesses are covered under travel insurance with infectious disease benefits?

Infectious disease benefits cover illnesses you catch during your trip, such as Covid-19 or dengue, as unexpected illnesses. Some plans stop covering a disease once the World Health Organization or the Singapore government declares it an epidemic or pandemic.

Does Covid-19 travel insurance cover pre-existing conditions?

Usually not, unless you buy a pre-existing condition add-on. Pre-existing conditions are illnesses you had or were treated for before buying the policy, such as heart disease, asthma or cancer. Even with the add-on, expect:

Lower medical limits, as low as S$50,000
Co-payments of up to 50% on trip cancellation and disruption claims

Are quarantine and isolation costs always covered by Covid-19 travel insurance?

No. Not every plan includes a quarantine allowance. Where it is offered, it is usually paid at S$50 to S$100 per day, capped at S$500 to S$700 per trip.

When should I buy travel insurance to be covered for Covid-19 trip cancellation?

As soon as you book your trip. Insurers won't cover a cancellation caused by a Covid-19 event, such as a positive test or an outbreak, that was already known when you bought the policy.

Is annual travel insurance with Covid-19 cover better than a single-trip plan?

Annual travel insurance suits you if you travel several times a year, while single-trip plans suit occasional travellers. Check the maximum trip length for Covid-19 cover: FWD's Covid-19 add-on, for example, only applies to trips of up to 90 days.

Do I still need Covid-19 travel insurance if I already have international medical coverage?

Possibly. International health insurance may cover overseas treatment, but it typically won't pay for Covid-19 trip cancellation, disruption or quarantine costs. See our guide to travel insurance vs international health insurance.

What documents do I need for a Covid-19 travel insurance claim?

Insurers typically ask for:

A positive Covid-19 test result
A doctor's memo or medical report
An official quarantine or isolation order, if relevant
Receipts for medical bills and non-refundable bookings

Check your insurer's policy wording for submission deadlines.

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