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Best Senior Travel Insurance for Elderly Travellers (2023)

Travelling with seniors? Then be careful which travel insurance you choose, because most providers reduce their overseas coverage drastically for senior citizens over 70 years old in Singapore. Here are the travel insurance plans with the best coverage for elderly folks.

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Compare coverage benefits for your senior travel insurance

Check providers on MoneySmart to find the best travel insurance plan with COVID-19 coverage, lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.

4 Best Travel Insurance Policies for Senior Travellers

These travel insurance plans have the most comprehensive coverage for seniors 70 years old and above in Singapore.

Travel Insurance Benefits for Elderly Travellers (70 years old & above)

Travel InsuranceMedical Coverage (Overseas)Emergency Medical EvacuationMedical Coverage (Singapore)
Bubblegum Travel InsuranceS$75,000UnlimitedS$75,000
Singlife Travel LiteS$250,000 (combined)S$250,000 (combined)S$10,000
Allianz Travel Insurance SilverS$100,000Unlimited N.A
Tiq EntryS$30,000S$1,000,000 (combined)N.A
MSIG TravelEasy Pre-Ex StandardS$50,000S$100,000S$5,000

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Bubblegum Travel Insurance

Med. Coverage (Overseas)
S$150,000
Trip Cancellation
S$5,000
Loss/Damage of Personal Baggage
S$3,000
Total Premium
Total PremiumS$20.6320% Off
S$16.50

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Valid until 12 Feb 2023
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Includes Covid-19 cover
Online Promo
Includes Covid-19 cover

Singlife Travel Lite

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
Total PremiumS$27.4718% Off
S$22.53
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Valid until 10 Feb 2023
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Allianz Travel Silver

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
Total PremiumS$4223% Off
S$32.34

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Valid until 28 Feb 2023
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Add-on cover for Covid-19
Online Promo
Add-on cover for Covid-19

Tiq Entry

Med. Coverage (Overseas)
S$200,000
Travel Cancelation
S$5,000
Loss/Damage of Baggage
S$2,000
Total Premium
Total PremiumS$2140% Off
S$12.60
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Valid until 28 Feb 2023
Covers Pre-Existing Conditions
Covers Pre-Existing Conditions

MSIG TravelEasy Pre-Ex Standard

Med. Coverage (Overseas)
S$75,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$38

Frequently Asked Questions

Can you fly without travel insurance?

Yes, you can. While it is always advisable to have some form of travel insurance, it is not actually required in order to fly. Some people do skip the travel insurance especially for short trips such as a weekend getaway to Johor. That being said, keep in mind that if you choose to fly without travel insurance, you will be responsible for all costs associated with any delays, cancellations, or other problems that occur during your trip. Ultimately, be sure to consider the travel destination‘s requirements, your itinerary and the medical needs of your loved ones.

For instance, if you are planning to participate in adventure activities like hiking or skiing, you may prefer a policy that covers them. Or if you are travelling with elderly relatives who have pre-existing conditions like high blood pressure, you’ll want to have access to medical care at the nearest hospital should an emergency occur. While no one likes to think about the possibility of an emergency while on vacation, having travel insurance can give you peace of mind and help you to enjoy your trip knowing that your loved ones are protected.

Does travel insurance cover pre-existing conditions?

Unless the insurer states otherwise, it is safe to assume that most travel insurance plans do NOT cover pre-existing medical conditions. Pre-existing conditions include diagnosed diseases or illnesses, such as diabetes, high blood pressure, heart disease, cancer, asthma or hypertension. They also include conditions such as injuries that were known at the point of purchase.

If you have senior citizens with a condition that may flare up, such as asthma, then it might be worthwhile to look for a travel insurance plan that specifically covers pre-existing conditions. Depending on your elderly’s preferences, various insurers may provide coverage for Traditional Chinese Medicine if your loved one is more comfortable with this form of treatment. With a comprehensive travel insurance policy in place, you can then make claims for any unexpected medical expenses.

How do you choose the best travel insurance?

We know choosing the right travel insurance can be a tricky business, especially if this is your first time. There are so many different policies available, and it can be hard to know which one is best for you and your elderly travellers. First things first, think about what type of coverage you need overseas. Do you need coverage for seniors in case of emergency medical expenses? Or are you looking for something more basic that will just cover you in case of lost baggage? Most recently, your travel insurance plan can also come with additional COVID-19 coverage benefits.

Once you know what kind of coverage you need, you can start comparing policies. You will also want to consider the cost of the policy. While you may prefer a policy that fits your budget, don't sacrifice coverage for price. Instead, take the time to shop around to find the best deal. To get the best out of your plan, use MoneySmart's handy comparison tools to compare price, insurance coverage limits and covered scenarios. Apart from the financial benefits, it is also good to compare the purchasing, support, and claims experience of each insurer. Choosing the right travel insurance doesn't have to be complicated, not when you have MoneySmart. Besides travel insurance for senior citizens, you may also check out our comparison of travel insurance covering pregnancy.

How much should you pay for travel insurance?

The premium you pay for your travel insurance plan should be commensurate with the amount of financial coverage you need. If you are travelling to a low-risk and low-cost destination, you may be happy with just a basic travel insurance plan. However, if you are travelling to a place with potentially expensive healthcare, like the US for example, you may want to pay more for a deluxe plan with higher coverage limits for elderly travellers.