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Singlife Travel Insurance Singapore 2025
Singlife is known for the higher than average medical expenses coverage and provides a comprehensive range of coverage in its three tiers of travel insurance plans: Lite, Plus, and Prestige.
Beyond medical expenses, Singlife Travel Insurance plans also cover a variety of other travel-related risks. If you're worried about losing frequent flyer points due to trip cancellations or disruptions, Singlife's plans have you covered. Additionally, the Plus and Prestige plans offer the flexibility of trip cancellation for any reason, providing you with peace of mind.
Before making a decision, let's weigh the pros and cons of its range of products and services, and see if it's suitable for your travel needs as compared to other travel insurance providers.
Singlife Travel Insurance Coverage & Other Key Benefits
High overseas medical coverage
Depending on the plan you select, you can receive coverage for overseas medical treatments ranging from up to $250,000 to unlimited claim benefits. This includes expenses for accidental dental care, chiropractic and Chinese medicine treatments, as well as hospital income both abroad and locally in Singapore, among other benefits.
Unlimited emergency medical expenses and evacuation coverage
Singlife’s plans offer extensive benefits for emergency medical expenses and evacuation. This includes unlimited coverage for emergency transportation to the nearest suitable medical facility, hospitalizations, surgeries, medications, and other medical costs incurred due to unexpected illness or injury while overseas, as well as related emergency services. This level of coverage is notably more generous compared to many other travel insurance options available in Singapore, which often have limits.
“Cancel for any reason” benefit
Available exclusively for the Plus and Prestige plans, this feature allows you to cancel, postpone, or curtail your trip for any reason, subject to the terms and conditions of your policy. Note that claims under this benefit can cover up to 50% of your travel, accommodation, and entertainment costs charged by licensed providers. The policy must be purchased before or within 7 days of making the initial payment or deposit.
READ MORE: Travel Insurance Plans in Singapore with Trip Cancellation Coverage
Protection against terrorism
Singlife’s travel insurance provides substantial terrorism coverage, with limits ranging from $50,000 to $500,000 depending on the plan you choose (Lite, Plus, or Prestige). For specifics on terrorism-related losses, refer to your policy's terms and coverage limits.
Adventurous activities coverage
Optional coverage for adventurous activities can be added to any Singlife plan—whether family/group, single-trip, or annual—and across all tiers. This includes coverage for extreme sports and activities like cave tubing, dinghy sailing, yachting, kite boating, jet skiing, and white-water rafting. However, coverage specifics may vary, so it is best to refer to the latest list in your policy.
READ MORE: Best Travel Insurance Plans with Extreme Sports & Adventure Coverage
Loss of frequent flyer points coverage
If you use frequent flyer points, hotel points, or credit card points to book flights, accommodations, or attractions, and these bookings are cancelled or postponed due to covered events, you can claim the retail price of the hotel, flight, or tickets
Pros and Cons of Singlife Travel Insurance
Pros
- “Cancel for any reason” benefit which allows you to claim for up to 50% of specific travel expenses
- Unlimited claim limit for emergency medical expenses and evacuation with purchase of the Prestige plan
- High overseas medical coverage
- Coverage for loss of frequent flyer points
- COVID-19 coverage
- Extreme sports and adventurous activities coverage
- Convenient claims submission via Singlife Travel Insurance’s online claims portal
- Trip interruption or cancellation coverage
- Full cover against acts of terrorism
- Coverage for personal liability
Cons
- No coverage for pre-existing conditions
- Lack of mobile app on Apple Store or Google Play Store for quicker travel insurance purchase or claims on-the-go
Is Singlife travel insurance worth your money?
Find out here as we review its price against its medical coverage, claims process, and more.
Singlife Travel Insurance Add-ons
Overseas wedding and photoshoot coverage
If you and your spouse are planning an overseas wedding and photoshoot, this benefit could be essential as it covers up to S$1,000,000 for personal liability of your invited guests, up to S$8,000 for the loss of ceremonial attire and wedding accessories, and additional protection for loss of your marriage certificate, financial failure of wedding service providers, and loss of your wedding photo album, with lower claim limits applying to these.
Golf equipment coverage
For golf enthusiasts, this add-on may be helpful in terms of providing coverage for loss of golfing equipment (including while in use), hire of golfing equipment, hole-in-one, damage of buggy, and unused green fees.
Winter sports coverage
This coverage lets you claim for loss of deposit due to ski track closure, ski pass and lift pass, avalanche delays, accidental death or disablement, emergency medical expenses, personal liability, and loss or hire of winter sports equipment, even while in use.
Adventurous water sports coverage
Similar to the winter sports coverage, this claim benefit includes coverage for accidental death and permanent disablement, emergency medical cover, personal liability extension, loss of water sports equipment (including while in use), and hire of water sports equipment.
Types Of Singlife Travel Insurance Plans
Singlife Travel Lite
Benefits include:
- Up to $250,000 for Overseas Medical Coverage
- Up to $5,000 for Trip Cancellation Coverage
- Up to $3,000 for Reimbursement for Loss/Damage of Baggage
As the most basic tier, the Lite plan is great for travellers who need basic coverage at a wallet-friendly price point. It offers up to $250,000 in medical expense coverage, plus protection for trip cancellations, lost luggage, travel delays and more.
Buy Singlife Travel Lite
Singlife Travel Plus
Benefits include:
- Up to $2,000,000 for Overseas Medical Coverage
- Up to $15,000 for Trip Cancellation Coverage
- Up to $5,000 for Reimbursement for Loss/Damage of Baggage
This plan is an upgrade from the Lite plan, offering a medical coverage limit that's more than double. It also provides higher limits for trip cancellations, personal belongings, and travel delays. Additionally, it includes the valuable "Cancel for any reason" benefit.
Buy Singlife Travel Plus
Singlife Travel Prestige
Benefits include:
- Unlimited for Overseas Medical Coverage
- Up to $20,000 for Trip Cancellation Coverage
- Up to $8,000 for Reimbursement for Loss/Damage of Baggage
If you're looking for the most comprehensive protection, this plan offers the broadest coverage available. It includes unlimited medical expense coverage, the highest limits for trip cancellations, personal belongings, and travel delays, plus the added benefit of "Cancel for any reason" coverage.
Buy Singlife Travel Prestige
Comparing The Coverage Of The Best Travel Insurance In Singapore
| Insurance Provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Baggage Damage or Loss | Premium |
|---|---|---|---|---|---|
| AIG | Emergency travel assistance services | S$200,000 | S$5,000 | S$3,000 | From S$43 |
| Allianz | Emergency transportation (Includes COVID-19 Coverage) | S$200,000 | S$1,500 | S$1,000 | From S$37 |
| Bubblegum | Overall good value | S$150,000 | S$5,000 | S$3,000 | From S$31 |
| DirectAsia | "Kids travel with free coverage" benefit (Families) | S$150,000 | S$3,000 | S$1,000 | From S$25 |
| FWD | Lower premiums | S$200,000 | S$7,500 | S$3,000 | From S$20 |
| Great Eastern | Coverage for sports and adventurous activities | S$300,000 | S$10,000 | S$5,000 | From S$51 |
| Hong Leong Assurance | No claim discount | S$150,000 | S$5,000 | S$3,000 | From S$42 |
| Income | Post-departure purchase up to a day of departure | S$250,000 | S$5,000 | S$3,000 | From S$43 |
| MSIG | Comprehensive coverage (includes pre-existing conditions) | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| Singlife | High or unlimited overseas medical coverage | S$250,000 | S$5,000 | S$3,000 | From S$29 |
| Sompo | Specially tailored plan for Japan trips | S$200,000 | S$5,000 | S$1,000 | From S$36 |
| Starr | Cruise coverage | S$200,000 | S$5,000 | S$3,000 | From S$25 |
| The Wise Traveller | Annual trips and membership programmes | S$480,000 | S$13,500 | S$13,500 | From S$306 |
| Tiq | Auto-pay out and higher efficiency for flight delays | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| Zurich | Complimentary lounge access for flight delays | S$50,000 | S$2,500 | S$2,000 | From S$14 |
| UOI | Extensive coverage including COVID-19 | S$100,000 | S$3,000 | S$1,000 | From S$18 |
| Singtel | Covers adventurous leisure activities | S$150,000 | S$5,000 | S$3,000 | From S$16 |
3 Steps To Submit Singlife Travel Insurance Claims
Step 1
Prepare your supporting documents for the claim
When claiming with Singlife, scan or photograph original documents for online submission and keep the originals for six months, as they may be needed for review. It is also best to submit all travel claims within 30 days of the incident or as soon as possible. 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 confirmation, 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 Singlife travel insurance Online Claims Portal, enter your details and upload supporting documents. Alternatively, you may call +65 6260 0126. This documentation helps Singlife assess your claim.
Step 3
Approval of claim and settlement
After submitting your claim via Singlife Singapore's online portal, you'll receive an acknowledgment email. Thereafter, Singlife will review your submission. Once your submission of claim is approved, Singlife will coordinate payments with the relevant airline, medical facilities, or relevant parties involved.
Singlife Singapore Insurance refunds & cancellations
You’ll only be entitled to a full refund of the premium paid, provided you haven’t travelled, and there hasn’t been a claim or an incident that could lead to a claim. If you don’t cancel your policy, it will remain in effect.
As for Singlife Insurance Singapore annual travel insurance policies, a 7 days written notice is required, alternatively you may Singlife Travel Assistance Helpline at +65 6460 9391.
Frequently Asked Questions about Singlife Travel
Do Singlife’s plans cover extreme sports and activities?
- Yes, this coverage is available as an optional add-on for Singlife’s plans i.e. Lite, Plus, and Prestige. You’ll be able to claim for medical expenses due to injuries or accidents when doing activities such as cave tubing, dinghy sailing, yachting, kite boating, jet skiing, and white-water rafting and more.
How to claim for trip cancellation with Singlife travel insurance?
- You can either do it via Singlife Singapore’s Online Claims Portal, or call +65 6260 0126 for their claims team to assist you. Note that you’ll need to prepare any necessary documents including a photo of your boarding pass, travel advisory, and any form of notification or proof of necessary trip cancellations, which you’ll need to upload or bring along for the claims filing process.
