Will Travel Insurance Cover Natural Disasters?
However, not every significant weather or environmental event qualifies as a natural disaster which will be covered as per the terms and conditions in your travel insurance plan. These nuances in coverage can sometimes be confusing. To help you navigate these details, this guide will provide a closer look at how travel insurance can protect you if your travels are affected by a natural disaster.
Common Claim Benefits For Natural Disasters Coverage In A Travel Insurance Plan
Emergency medical and dental coverage
Travel cancellation
Travel postponement
Travel delay
Trip curtailment/shortening
Emergency evacuation and repatriation
Accommodation coverage
24/7 assistance services
Check Out The Best Travel Insurance For Places Prone To Natural Disasters Here!
Best Travel Insurance For Your Trips
FWD Business
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total Premium Total Premium
S$48.9435% Off - S$31.81
[Trip Insured? Score a TREAT! 🎈 ]
Score S$50 Grab Vouchers OR S$50 Shell Vouchers when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
[Be REWARDED when you TRAVEL]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 35% off (Single Trip) and 30% off (Annual Travel) with code FWDTRAVEL on FWD Travel Insurance plans. Valid from 1 to 2 Oct 2026. T&Cs apply
Plus, get up to S$60 eCapitaVouchers from FWD with premiums purchased. T&Cs apply.
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Tiq Savvy
- Med. Coverage (Overseas)
- S$500,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total Premium Total Premium
S$62.5055% Off - S$28.12
[Trip Insured? Score a TREAT! 🎈 ]
Score S$50 Grab Vouchers OR S$50 Shell Vouchers when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
Grab your REWARDS:
• Up to S$20 GrabGift vouchers
• OR up to S$10 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
• Enjoy 55% off (Single Trip) and 30% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid till 31 Oct 2026.
• Stack & Save: Get up to S$150 Cashback when you purchase 2 or more qualifying products and meet the min. premium! T&Cs apply. Valid till 26 Oct 2026.
• New to Tiq? New customers get an extra S$30 off with code FREETRAVEL. Valid till 28 Dec 2026. T&Cs apply.
Starr TraveLead Comprehensive Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total Premium Total Premium
S$67.9555% Off - S$30.58
[Trip Insured? Score a TREAT! 🎈 ]
Score S$50 Grab Vouchers OR S$50 Shell Vouchers when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
Travel with the LATEST TECH 🛍️
Enjoy up to 62% off & choose your rewards:
• LATEST Apple Airpods 5 (worth S$199)
• OR up to S$60 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
Allianz Travel Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$7863% Off - S$28.86
[Extra Rewards with Latest Tech 💥]
Score the latest Apple AirPods 5 when you're the first to submit a MoneySmart Claim Form at 20:00 SGT each week. T&Cs apply.
Get CASH or REWARDS:
• S$60 GrabGift vouchers
• OR up to S$45 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible premiums spent. T&Cs apply.
Plus, enjoy exclusive 63% off Allianz Travel Insurance with MSAZ
[Allianz x Travelgoogoo eSIM]
Enjoy a free 1GB Global eSIM from Allianz provided by Travelgoogoo in over 123 countries! T&Cs apply.
MSIG TravelEasy Elite
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total Premium Total Premium
S$83.5060% Off - S$33.40
[Trip Insured? Score a TREAT! 🎈 ]
Score S$50 Grab Vouchers OR S$50 Shell Vouchers when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
Travel with REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MoneySmart Promos]
• Get 60% off (Single Trip) and 25% off (Annual Plan) on TravelEasy policy premiums. Valid from 28 Sep to 1 Oct 2026.
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM from MSIG.
T&Cs apply.
Frequently Asked Questions
What is the best way to get travel insurance coverage against natural disasters?
- There is no one “best” way to get covered against natural disasters for your overseas trips, but there are several ways you can do it, such as through your preferred travel insurance mobile app, purchasing your travel insurance via an airline or travel insurance company’s website or by contacting your insurance agent. If you prefer to do it yourself via a comparison platform like MoneySmart, you’ll be able to do a quick comparison of the best plans with suitable coverage against specific natural disasters, which are available for you.
Does my travel insurance cover unexpected expenses incurred which are related to natural disasters?
- You’ll need to check with your travel insurance agent and confirm the aspects of your insurance coverage for events related to natural disasters, as such coverage can vary depending on the insurance plan. Some benefits which are typically covered in most plans include emergency medical and dental coverage, travel cancellation and postponement, travel delay or curtailment, emergency evacuation and repatriation, accommodation coverage, and 24/7 assistance services.
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