Get the Best Travel Insurance in Singapore 2019

Updated May 2019

Compare Travel Insurance prices on MoneySmart to get the best deal to cover you against lost baggage, medical emergencies, flight delays and more.
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Allianz Global Assistance Travel Insurance Bronze

$400,000

Med. Coverage (Overseas)

$10,000

Trip Cancellation

$7,000

Loss/Damage of Baggage

$14.85

Per adult$27.0045% off

$14.85

$27.0045% offPer adult
MoneySmart ExclusiveGet $5 cash when you buy this plan by 28/05/2019! Claim here.
Get 45% off Allianz Global Assistance plans! Use Promo Code: msassist

Plan Highlights

Trip Cancellation$10,000
Loss/Damage of Personal Baggage$7,000
Death and TPD$35,000
Overseas Medical$400,000
Post Trip Medical Expenses$12,500
Rental Vehicle Excess Cover$150

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

FWD Premium

$200,000

Med. Coverage (Overseas)

$7,500

Trip Cancellation

$3,000

Loss/Damage of Baggage

$10.50

Per adult$14.0025% off

$10.50

$14.0025% offPer adult
Use promo code 'Travel25' for a 25% discount!

Key Features

  • Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD Flyer app!

Plan Highlights

Trip Cancellation$7,500
Loss/Damage of Personal Baggage$3,000
Death and TPD$200,000
Overseas Medical$200,000
Post Trip Medical Expenses$6,000
Rental Vehicle Excess Cover

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

ETIQA Basic

$200,000

Med. Coverage (Overseas)

$5,000

Trip Cancellation

$2,000

Loss/Damage of Baggage

$10.88

Per adult

$10.88

Per adult
Price is inclusive of a 51% discount!

Plan Highlights

Trip Cancellation$5,000
Loss/Damage of Personal Baggage$2,000
Death and TPD$200,000
Overseas Medical$200,000
Post Trip Medical Expenses$5,000
Rental Vehicle Excess Cover

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

MSIG TravelEasy Standard

$250,000

Med. Coverage (Overseas)

$5,000

Trip Cancellation

$3,000

Loss/Damage of Baggage

$12.80

Per adult$32.0060% off

$12.80

$32.0060% offPer adult
Worried about not being insured due to an existing medical condition? Fret not, these MSIG plans cover pre-existing conditions! Browse here.

Plan Highlights

Trip Cancellation$5,000
Loss/Damage of Personal Baggage$3,000
Death and TPD$150,000
Overseas Medical$250,000
Post Trip Medical Expenses$25,000
Rental Vehicle Excess Cover

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

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ERGO TravelProtect Essential

$200,000

Med. Coverage (Overseas)

$10,000

Trip Cancellation

$3,000

Loss/Damage of Baggage

$13.60

Per adult$17.0020% off

$13.60

$17.0020% offPer adult
MoneySmart ExclusiveGet $5 cash when you buy this plan by 28/05/2019! Claim here.

Plan Highlights

Trip Cancellation$10,000
Loss/Damage of Personal Baggage$3,000
Death and TPD$200,000
Overseas Medical$200,000
Post Trip Medical Expenses$10,000
Rental Vehicle Excess Cover$500

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

American Express My VoyageGuard Essential

$500,000

Med. Coverage (Overseas)

$5,000

Trip Cancellation

$3,500

Loss/Damage of Baggage

$15.00

Per adult$25.0040% off

$15.00

$25.0040% offPer adult

Plan Highlights

Trip Cancellation$5,000
Loss/Damage of Personal Baggage$3,500
Death and TPD$125,000
Overseas Medical$500,000
Post Trip Medical Expenses$12,500
Rental Vehicle Excess Cover

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

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Hong Leong Travel Insurance Basic

$150,000

Med. Coverage (Overseas)

$5,000

Trip Cancellation

$3,000

Loss/Damage of Baggage

$15.60

Per adult$39.0060% off

$15.60

$39.0060% offPer adult
MoneySmart ExclusiveGet $5 cash when you buy this plan by 28/05/2019! Claim here.
Get a $20 Agoda Voucher, a $10 Klook code and stand a change to win a Google Home Mini when you buy now! Terms Apply.

Plan Highlights

Trip Cancellation$5,000
Loss/Damage of Personal Baggage$3,000
Death and TPD$200,000
Overseas Medical$150,000
Post Trip Medical Expenses$10,000
Rental Vehicle Excess Cover$500

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

Aviva Travel Lite

$250,000

Med. Coverage (Overseas)

$5,000

Trip Cancellation

$3,000

Loss/Damage of Baggage

$15.94

Per adult$24.5235% off

$15.94

$24.5235% offPer adult
Get additional 30% off if you are a MINDEF/MHA Group Term Life policyholder

Plan Highlights

Trip Cancellation$5,000
Loss/Damage of Personal Baggage$3,000
Death and TPD$50,000
Overseas Medical$250,000
Post Trip Medical Expenses$10,000
Rental Vehicle Excess Cover$1,000

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

FWD Business

$500,000

Med. Coverage (Overseas)

$10,000

Trip Cancellation

$5,000

Loss/Damage of Baggage

$16.50

Per adult$22.0025% off

$16.50

$22.0025% offPer adult
Use promo code 'Travel25' for a 25% discount!

Key Features

  • Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD Flyer app!

Plan Highlights

Trip Cancellation$10,000
Loss/Damage of Personal Baggage$5,000
Death and TPD$300,000
Overseas Medical$500,000
Post Trip Medical Expenses$15,000
Rental Vehicle Excess Cover$500

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

MSIG TravelEasy Elite

$500,000

Med. Coverage (Overseas)

$10,000

Trip Cancellation

$5,000

Loss/Damage of Baggage

$17.60

Per adult$44.0060% off

$17.60

$44.0060% offPer adult
Worried about not being insured due to an existing medical condition? Fret not, these MSIG plans cover pre-existing conditions! Browse here.

Plan Highlights

Trip Cancellation$10,000
Loss/Damage of Personal Baggage$5,000
Death and TPD$200,000
Overseas Medical$500,000
Post Trip Medical Expenses$50,000
Rental Vehicle Excess Cover$1,000

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

Sompo TravelJoy Deluxe

$300,000

Med. Coverage (Overseas)

$6,000

Trip Cancellation

$5,000

Loss/Damage of Baggage

$18.00

Per adult$30.0040% off

$18.00

$30.0040% offPer adult

Plan Highlights

Trip Cancellation$6,000
Loss/Damage of Personal Baggage$5,000
Death and TPD$250,000
Overseas Medical$300,000
Post Trip Medical Expenses$15,000
Rental Vehicle Excess Cover$1,000

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

FWD First

$1,000,000

Med. Coverage (Overseas)

$15,000

Trip Cancellation

$7,500

Loss/Damage of Baggage

$18.75

Per adult$25.0025% off

$18.75

$25.0025% offPer adult
Use promo code 'Travel25' for a 25% discount!

Key Features

  • Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD Flyer app!

Plan Highlights

Trip Cancellation$15,000
Loss/Damage of Personal Baggage$7,500
Death and TPD$400,000
Overseas Medical$1,000,000
Post Trip Medical Expenses$30,000
Rental Vehicle Excess Cover$1,000

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

ETIQA Economy

$500,000

Med. Coverage (Overseas)

$10,000

Trip Cancellation

$3,000

Loss/Damage of Baggage

$19.30

Per adult

$19.30

Per adult
Price is inclusive of a 51% discount!

Plan Highlights

Trip Cancellation$10,000
Loss/Damage of Personal Baggage$3,000
Death and TPD$300,000
Overseas Medical$500,000
Post Trip Medical Expenses$10,000
Rental Vehicle Excess Cover

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

Get $5 cash!

Hong Leong Travel Insurance Enhanced

$250,000

Med. Coverage (Overseas)

$7,000

Trip Cancellation

$5,000

Loss/Damage of Baggage

$20.00

Per adult$50.0060% off

$20.00

$50.0060% offPer adult
MoneySmart ExclusiveGet $5 cash when you buy this plan by 28/05/2019! Claim here.
Get a $20 Agoda Voucher, a $10 Klook code and stand a change to win a Google Home Mini when you buy now! Terms Apply.

Plan Highlights

Trip Cancellation$7,000
Loss/Damage of Personal Baggage$5,000
Death and TPD$250,000
Overseas Medical$250,000
Post Trip Medical Expenses$15,000
Rental Vehicle Excess Cover$750

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details

Get $5 cash!

Allianz Global Assistance Travel Insurance Silver

$1,000,000

Med. Coverage (Overseas)

$15,000

Trip Cancellation

$12,000

Loss/Damage of Baggage

$20.35

Per adult$37.0045% off

$20.35

$37.0045% offPer adult
MoneySmart ExclusiveGet $5 cash when you buy this plan by 28/05/2019! Claim here.
Get 45% off Allianz Global Assistance plans! Use Promo Code: msassist

Plan Highlights

Trip Cancellation$15,000
Loss/Damage of Personal Baggage$12,000
Death and TPD$80,000
Overseas Medical$1,000,000
Post Trip Medical Expenses$25,000
Rental Vehicle Excess Cover$500

Leisure Activities & Covered

Bungee Jumping
Hiking
Hot Air Balloon Ride
Pre-existing Conditions
Scuba Diving
Sky Diving
Snow/Ice Sports
See Plan Details
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Best Travel Insurance in Singapore 2019

Best forTravel Insurance PlanPrice for 1 week (ASIA)
Deals & PromotionsAllianz Global Assistance Bronze$54
Price SensitiveEtiqa Basic$19
Comprehensive CoverageTokio Marine TM Explora Classic$36
Adventure Activities (coverage vs ability to claim) Tokio Marine TM Explora Premier$46.80
Pre-Existing Conditions MSIG TravelEasy Pre-Ex Standard$77
Highest Overseas Medical Coverage AIG Travel Guard Premier $136
Good ValueFWD Business$42
Traveling While Pregnant Allianz Global Assistance Bronze$54
Frequent Travellers (Annual Policy) American Express My VoyageGuard Essential$220
Great Claims Experience MSIG Travel Insurance$55

How Do I Choose The Best Travel Insurance?

When choosing the considering travel insurance plans for your holiday, there are several factors to consider depending on your priorities.

Step 1

Check General Coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Step 2

Compare Policy Premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Step 3

Special Activities Coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Annual Travel Insurance vs Single Trip Plans

As their names suggest, single trip plans cover you for just one trip, while annual travel insurance covers you for all trips (under 180 days) for an entire year. So if you’re a frequent traveler, an annual plan may help you save cost and hassle. In general, if you fly at least 7 or 8 times yearly, even to nearby destinations like Bangkok and Indonesia, you will benefit from annual travel insurance. If you plan to go further away (like to Europe or the U.S.), 2 or 3 trips may already be enough for you to see savings.

Travel Insurance Claims

Another thing to consider is how convenient or easy it is to file your claims. Some travel insurance providers have digital portals and online forms, while others require you mail your submission to their office. Depending on what you’re claiming for, you will also need to submit your claim with supporting documents as proof. Typically, you must produce your flight itinerary, as well as a formal report of some sort. This includes a police report for lost belongings and accidents, medical report for medical expenses and airline letter for flight delays.

What our clients say about our service

“I have taken part in several marathons overseas, and it was becoming a chore to have to keep reminding myself that I needed to get travel insurance before every trip. Browsing Moneysmart.sg's travel insurance comparison page helped me find an annual policy that worked the best for me. I compared several annual coverage plans and settle on the one that was in the price range I preferred.”

samantha
Samantha Quah
Research Assistant

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Frequently Asked Questions

  • What is Travel Insurance and how does it help me?

    Travel insurance helps protect you from risks while you are travelling overseas. Travel insurance includes Personal Accident Coverage, Medical Coverage. Travel Inconvenience as well as Theft and Loss of Baggage.

    If you are travelling overseas you should definitely get a travel insurance plan as it’s relatively cheap and can protect you from unnecessary cost and risk.

  • What's the difference between Single Trip or Annual Travel Insurance?

    When you buy travel insurance you can choose from 2 types of policies. Single Trip and Annual Cover.

    • Single Trip Travel Insurance covers you for a single trip that originates and ends in Singapore.
    • Annual Travel Insurance covers you for all trips starting and ending in Singapore. Each trip generally should be for less than 180 days.

    You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you wont have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

  • Are Family Travel Insurance Plans Cheaper?
    Most insurers offer cheaper premium rates if you purchase your Travel Insurance as a Family.
  • Can I buy Travel Insurance once I’m overseas?

    No. Travel insurance has to be purchased before your trip commences. If you buy travel insurance after your trip commences and you try and make a claim, your insurer may not honour your claim.

    You should buy your travel insurance after you’ve booked your tickets as travel insurance also protects you from trip cancellation.

  • How do I compare travel insurance policies?
    Travel insurance is relatively simple insurance product. All travel insurance policies will cover you for personal accident, medical and travel inconvenience. However, if you intend to rent a car or participate in underwater sports like snorkeling or diving, you might want to get a travel insurance policy that provides those additional features. Compare Travel Insurance Plans on MoneySmart and find the one with the best price and coverage level for you!