Best Senior Travel Insurance for Elderly Travellers (2024)
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.
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 Insurance | Medical Coverage (Overseas) | Emergency Medical Evacuation | Medical Coverage (Singapore) |
|---|---|---|---|
| Bubblegum Travel Insurance | S$75,000 | Unlimited | S$75,000 |
| Singlife Travel Lite | S$250,000 (combined) | S$250,000 (combined) | S$10,000 |
| Allianz Travel Insurance Silver | S$100,000 | Unlimited | N.A |
| Tiq Entry | S$30,000 | S$1,000,000 (combined) | N.A |
| MSIG TravelEasy Pre-Ex Standard | S$50,000 | S$100,000 | S$5,000 |
Bubblegum Travel Insurance
- Med. Coverage (Overseas)
- S$150,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Personal Baggage
- S$3,000
- Total PremiumTotal Premium
S$30.3210% Off - S$27.29
[Receive your cash as fast as 30 days*]
• Enjoy 10% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.
• Additionally, receive up to S$25 via PayNow with eligible premiums spent. T&Cs apply.
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Singlife Travel Lite
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium
- final-price
Allianz Travel Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$4655% Off - S$20.70
[Receive your cash as fast as 30 days*]
• Enjoy an exclusive 55% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.
• Additionally, receive up to S$35 via PayNow with eligible premiums spent. T&Cs apply.
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Tiq Entry
- Med. Coverage (Overseas)
- S$200,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total PremiumTotal Premium
S$2140% Off - S$12.60
[MoneySmart Exclusive]
• Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply
• Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.
[Etiqa's 10th Year 2024 Grand Draw]
Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.
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
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.
Looking for something else? Here are travel Insurance options below $15
Starr TraveLead Essential Bronze
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- N/A
- Loss/Damage of Baggage
- N/A
- Total PremiumTotal Premium
S$20.2850% Off - S$10.14
[Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive]
• Enjoy 50% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.
• Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.
BONUS: For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw.
• Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)
Increase your chances of winning when you refer friends today.
T&Cs apply.
FWD Premium
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$19.4725% Off - S$14.60
[Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive]
• Enjoy 25% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.
BONUS: For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw.
• Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)
Increase your chances of winning when you refer friends today.
T&Cs apply.
DirectAsia DA150
- Med. Coverage (Overseas)
- S$150,000
- Trip Cancellation
- S$3,000
- Loss/Damage of Baggage
- S$1,000
- Total PremiumTotal Premium
S$24.540% Off - S$14.70
[Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive]
• Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.
• Additionally, receive up to S$20 via PayNow with eligible premiums spent. T&Cs apply.
BONUS: For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw.
• Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)
Increase your chances of winning when you refer friends today.
T&Cs apply.
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.
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