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Get the Best Annual Travel Insurance in Singapore 2025

Compare single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price Read More
Traveling to Thailand 20 Jul 2025 - 22 Jul 2025
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We found 49 Travel Insurances for you!
Recommended
Starr TraveLead Comprehensive Bronze

Total Premium

S$318.82

35% OffS$490.49
MoneySmart Exclusive
Free Child Coverage | Post treatment add-on avail
Promotion ends in

Starr TraveLead Comprehensive Bronze

Med. Coverage (Overseas)
S$200,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$490.4935% Off
S$318.82
Apply and redeem any of these rewards

[Cashback & 27,270 SmartPoints up for Grabs! ]
Enjoy up to 30% Cashback on top of existing discounts — Get over S$125 worth of rewards including:
 • An Apple AirTag or two (worth up to S$90) OR a JisuLife Handheld Fan Pro1S (worth S$76.90) OR S$70 GrabGifts Vouchers for your trip to the airport OR up to S$60 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
  
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 21 Jul 2025 - See more details below
Apply Now
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HL Assurance Travel Protect360 Basic

Total Premium

S$189.50

50% OffS$379
MoneySmart Exclusive
Up to 10% No Claim Discount on your next purchase

HL Assurance Travel Protect360 Basic

Med. Coverage (Overseas)
S$150,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$37950% Off
S$189.50
Apply and redeem any of these rewards

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Get over S$95 worth of rewards including:
• An Apple AirTag (worth S$45) OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR up to S$40 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.

Valid until 31 Jul 2025 - See more details below
FWD Premium

Total Premium

S$208.71

25% OffS$278.28
MoneySmart Exclusive
Cancel for any reason add-on available

FWD Premium

Med. Coverage (Overseas)
S$200,000
Trip Cancellation
S$7,500
Loss/Damage of Baggage
S$3,000
Total Premium
S$278.2825% Off
S$208.71

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
  
Get over S$35 worth of rewards including:
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
MSIG TravelEasy Standard

Total Premium

S$214.50

22% OffS$275
MoneySmart Exclusive
Most Comprehensive Coverage including Covid-19

MSIG TravelEasy Standard

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$27522% Off
S$214.50
Apply and redeem any of these rewards

[Cashback & 27,270 SmartPoints up for Grabs! ]
Enjoy up to 25% Cashback on top of existing discounts.
Get an exclusive 52% off (Single Trip) and 22% off (Annual Plan) when you apply the promo code JUL2. Valid from 18 to 20 July 2025.  T&Cs apply.
 
Get over S$95 worth of rewards including:
• An Apple AirTag (worth S$45) OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR up to S$45 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
 
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.

Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 21 Jul 2025 - See more details below
Apply Now
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DirectAsia Voyager 250 Annual Plan

Total Premium

S$197.90

40% OffS$329.84
MoneySmart Exclusive
Free coverage for children

DirectAsia Voyager 250 Annual Plan

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$10,000
Loss/ Damage of Baggage
S$3,000
Total Premium
S$329.8440% Off
S$197.90

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Get up to S$65 worth of rewards including:
• Up to S$35 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward

Valid until 31 Jul 2025 - See more details below
Tiq Entry

Total Premium

S$218.69

30% OffS$312.42
MoneySmart Exclusive
Auto-payout for >3hour flight delays

Tiq Entry

Med. Coverage (Overseas)
S$200,000
Travel Cancelation
S$5,000
Loss/Damage of Baggage
S$2,000
Total Premium
S$312.4230% Off
S$218.69
Apply and redeem any of these rewards

[Cashback, Stylish Luggage Sets & 27,270 SmartPoints up for Grabs! ]
  
Enjoy up to 10% Cashback on top of existing discounts— Get over S$95 worth of rewards including:
• Up to S$30 GrabGifts Vouchers for your trip to the airport OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR an Apple AirTag (worth S$45) OR up to S$20 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
   
Score a LEVEL8 Luminous Textured 2 Piece Set Luggage (worth S$639) with a min. premium of S$70 purchased. T&Cs apply.
PLUS, join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Use SmartPoints to redeem your favourite product from our Rewards Store today.
   
[Tiq's SG60 Promotion]
Purchase any qualifying policy and stand a chance to win a Dyson Supersonic Hairdryer, Apple AirPods Gen 2, S$50 eCapitaVoucher and S$20 TADA voucher from Tiq with eligible premiums spent. T&Cs apply

Valid until 21 Jul 2025 - See more details below
Apply Now
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INCOME Standard Classic

Total Premium

S$300.05

15% OffS$353
MoneySmart Exclusive
Post-departure purchase option available

INCOME Standard Classic

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$35315% Off
S$300.05

[5GB eSIM & 27,270 SmartPoints up for Grabs!]
Score a 5GB Eskimo eSIM (worth USD$25) when you are the first 200 eligible customers to submit the MoneySmart Claim Form (min. premium of S$60). T&Cs apply.
   
Get up to S$40 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward with every policy purchased.
  
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
  
[Income Promotion]
Get a limited edition 20-inch Miffy Luggage (worth $249) from Income (min. spend S$200) when you apply the promo code TRAVEL50. Valid till 23 July 2025, 9:00am. Ts&Cs apply.

Valid until 31 Jul 2025 - See more details below
Allianz Travel Silver

Total Premium

S$207.86

62% OffS$547
MoneySmart Exclusive
Best Medical Coverage

Allianz Travel Silver

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$54762% Off
S$207.86

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Enjoy an exclusive 62% off your policy premium when you apply the promo code MSAZ62.
 
Get over S$80 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.

Valid until 31 Jul 2025 - See more details below
AIG Travel Guard® Direct - Enhanced

Premium

S$374.40

20% OffS$468
MoneySmart Exclusive
Best coverage for trekking/hiking

AIG Travel Guard® Direct - Enhanced

Overseas Medical Expenses
S$1,000,000
Travel Cancelation / Postponement
S$10,000
Loss/Damage of Personal Baggage
S$5,000
Premium
S$46820% Off
S$374.40

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Enjoy an exclusive 20% off your policy premium when you apply the promo code MS20OFF. T&Cs apply
 
Get over S$35 worth of rewards including:
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
Singtel Travel Protect - Economy Plan

Total Premium

S$284.25

25% OffS$379
Online Promo
Covers Covid-19 at affordable prices

Singtel Travel Protect - Economy Plan

Med. Coverage (Overseas)
Up to S$350,000
Trip Cancellation
Up to S$10,000
Loss of Baggage
Up to S$5,000
Total Premium
S$37925% Off
S$284.25
Online Promo:
Enjoy up to 50% off SingTel Travel Protect Insurance plans underwritten by Great Eastern. T&Cs apply.

PLUS, get:
• 60 mins LoungeKey Flight Delay Pass with any SingTel Travel Protect Insurance plans purchased. T&Cs apply.
• Get 50% off + an additional S$5 off Single Trip plans if you are a new to SingTel Travel customer when you apply promo code 50NEW5. T&Cs apply.
Valid until 23 Jul 2025 - See more details below
Zurich Travel Insurance Essential

Total Premium

S$204.28

10% OffS$226.98
MoneySmart Exclusive
Free Lounge Access | Best Value for ASEAN trip

Zurich Travel Insurance Essential

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$5,000
Loss/Damage of Baggage
S$3,000
Total Premium
S$226.9810% Off
S$204.28

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Get over S$35 worth of rewards including:
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
Starr TraveLead Comprehensive Silver

Total Premium

S$384.81

35% OffS$592.02
MoneySmart Exclusive
Free Child Coverage | Post treatment add-on avail

Starr TraveLead Comprehensive Silver

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$7,500
Total Premium
S$592.0235% Off
S$384.81
Apply and redeem any of these rewards

[Cashback & 27,270 SmartPoints up for Grabs! ]
Enjoy up to 30% Cashback on top of existing discounts — Get over S$125 worth of rewards including:
 • An Apple AirTag or two (worth up to S$90) OR a JisuLife Handheld Fan Pro1S (worth S$76.90) OR S$70 GrabGifts Vouchers for your trip to the airport OR up to S$60 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
  
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 21 Jul 2025 - See more details below
Apply Now
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Singlife Travel Plus

Total Premium

S$337.68

28% OffS$469
MoneySmart Exclusive
Covers cancel/curtailment for any reason*

Singlife Travel Plus

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$46928% Off
S$337.68
Apply and redeem any of these rewards

[Cashback & 27,270 SmartPoints up for Grabs! ]
Enjoy up to 10% Cashback on top of existing discounts — Get over S$125 worth of rewards including:
 • An Apple AirTag or two (worth up to S$90) OR a JisuLife Handheld Fan Pro1S (worth S$76.90) OR S$70 GrabGifts Vouchers for your trip to the airport OR up to S$50 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
  
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
  
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 31 Jul 2025 - See more details below
Tiq Savvy

Total Premium

S$309.34

30% OffS$441.92
MoneySmart Exclusive
Auto-payout for >3hour flight delays

Tiq Savvy

Med. Coverage (Overseas)
S$500,000
Travel Cancelation
S$5,000
Loss/Damage of Baggage
S$2,000
Total Premium
S$441.9230% Off
S$309.34
Apply and redeem any of these rewards

[Cashback, Stylish Luggage Sets & 27,270 SmartPoints up for Grabs! ]
  
Enjoy up to 10% Cashback on top of existing discounts— Get over S$95 worth of rewards including:
• Up to S$30 GrabGifts Vouchers for your trip to the airport OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR an Apple AirTag (worth S$45) OR up to S$20 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
   
Score a LEVEL8 Luminous Textured 2 Piece Set Luggage (worth S$639) with a min. premium of S$70 purchased. T&Cs apply.
PLUS, join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Use SmartPoints to redeem your favourite product from our Rewards Store today.
   
[Tiq's SG60 Promotion]
Purchase any qualifying policy and stand a chance to win a Dyson Supersonic Hairdryer, Apple AirPods Gen 2, S$50 eCapitaVoucher and S$20 TADA voucher from Tiq with eligible premiums spent. T&Cs apply

Valid until 21 Jul 2025 - See more details below
Apply Now
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Allianz Travel Basic

Total Premium

S$127.68

62% OffS$336
MoneySmart Exclusive

Allianz Travel Basic

Med. Coverage (Overseas)
S$200,000
Trip Cancellation
S$1,500
Loss/Damage of Baggage
S$1,000
Total Premium
S$33662% Off
S$127.68

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Enjoy an exclusive 62% off your policy premium when you apply the promo code MSAZ62.
 
Get over S$80 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.

Valid until 31 Jul 2025 - See more details below
MSIG TravelEasy Elite

Total Premium

S$296.01

22% OffS$379.50
MoneySmart Exclusive
Most Comprehensive Coverage including Covid-19

MSIG TravelEasy Elite

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$379.5022% Off
S$296.01
Apply and redeem any of these rewards

[Cashback & 27,270 SmartPoints up for Grabs! ]
Enjoy up to 25% Cashback on top of existing discounts.
Get an exclusive 52% off (Single Trip) and 22% off (Annual Plan) when you apply the promo code JUL2. Valid from 18 to 20 July 2025.  T&Cs apply.
 
Get over S$95 worth of rewards including:
• An Apple AirTag (worth S$45) OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR up to S$45 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
 
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.

Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 21 Jul 2025 - See more details below
Apply Now
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Great Eastern GREAT TravelCare Gold

Total Premium

S$292.50

25% OffS$390
Online Promo
Cancel for any reason included

Great Eastern GREAT TravelCare Gold

Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss of Baggage
S$5,000
Total Premium
S$39025% Off
S$292.50
Online Promo:
Enjoy 40% off Single Trip and 25% off Annual Trip plans with GREAT TravelCare plans purchased. T&Cs apply.
Valid until 31 Jul 2025 - See more details below
AIG Travel Guard® Direct - Supreme

Premium

S$443.20

20% OffS$554
MoneySmart Exclusive
Best coverage for trekking/hiking

AIG Travel Guard® Direct - Supreme

Overseas Medical Expenses
S$2,500,000
Travel Cancelation / Postponement
S$15,000
Loss/Damage of Personal Baggage
S$10,000
Premium
S$55420% Off
S$443.20

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Enjoy an exclusive 20% off your policy premium when you apply the promo code MS20OFF. T&Cs apply
 
Get over S$35 worth of rewards including:
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
HL Assurance Travel Protect360 Silver

Total Premium

S$255.50

50% OffS$511
MoneySmart Exclusive
Up to 10% No Claim Discount on your next purchase

HL Assurance Travel Protect360 Silver

Med. Coverage (Overseas)
S$250,000
Trip Cancellation
S$7,000
Loss/Damage of Baggage
S$5,000
Total Premium
S$51150% Off
S$255.50
Apply and redeem any of these rewards

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
   
Get over S$95 worth of rewards including:
• An Apple AirTag (worth S$45) OR an Anker PowerExtend Travel Adapter (worth S$59.90) OR up to S$40 Cash with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.

Valid until 31 Jul 2025 - See more details below
DirectAsia Voyager 1000 Annual Plan

Total Premium

S$316.13

40% OffS$526.88
MoneySmart Exclusive
Free coverage for children

DirectAsia Voyager 1000 Annual Plan

Med. Coverage (Overseas)
S$1,000,000
Trip Cancellation
S$25,000
Loss/Damage of Baggage
S$7,500
Total Premium
S$526.8840% Off
S$316.13

[27,270 SmartPoints up for Grabs! | With over 200 rewards]
Join Rollin’ Rewards for FREE and you could win 7,460 SmartPoints—enough to redeem a Sony Playstation 5 Slim Console (Digital Edition) (worth S$669). T&Cs apply.
 
Get up to S$65 worth of rewards including:
• Up to S$35 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward

Valid until 31 Jul 2025 - See more details below

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Best Travel Insurance Plan in Singapore 2025

Choose from MoneySmart's list of the best travel insurance plans in Singapore. You can compare a wide range of single-trip and annual trip travel insurance packages in terms of premiums, medical coverage, coverage for overseas medical expenses, trip cancellation, replacement of traveller, cruise vacation, personal baggage damages, and more.

Compare the coverage and average cost of Singapore travel insurance plans

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$38
Allianz Emergency transportation (Includes COVID-19 Coverage) S$200,000 S$1,500 S$1,000 From S$22
Bubblegum Overall good value S$150,000 S$5,000 S$3,000 From S$28
DirectAsia "Kids travel with free coverage" benefit (Families) S$150,000 S$3,000 S$1,000 From S$21
FWD Lower premiums S$200,000 S$7,500 S$3,000 From S$22
Great Eastern Coverage for sports and adventurous activities S$300,000 S$10,000 S$5,000 From S$22
Hong Leong Assurance No claim discount of up to 10% on next trip S$150,000 S$5,000 S$3,000 From S$23
Income Post-departure purchase up to a day of departure S$250,000 S$5,000 S$3,000 From S$36
MSIG Comprehensive coverage (includes pre-existing conditions) S$250,000 S$5,000 S$3,000 From S$14
Singlife High or unlimited overseas medical coverage S$250,000 S$5,000 S$3,000 From S$31
Sompo Specially tailored plan for Japan trips S$200,000 S$5,000 S$1,000 From S$32
Starr Cruise coverage S$200,000 S$5,000 S$3,000 From S$45
Tiq Auto-pay out and higher efficiency for flight delays S$200,000 S$5,000 S$2,000 From S$18
Zurich Complimentary lounge access for flight delays S$50,000 S$2,500 S$2,000 From S$21
UOI Extensive coverage including COVID-19 S$100,000 S$3,000 S$1,000 From S$49
Singtel Covers adventurous leisure activities S$150,000 S$5,000 S$3,000 From S$18

What is the Difference Between Individual and Family Travel Insurance Plans?

Individual travel insurance covers a single person, while family travel insurance covers multiple family members—typically you, your spouse, and children or grandchildren—under one policy, offering a cost-effective option for group travel.

What is the difference between Single vs. Annual Travel Insurance?

Single-Trip Travel Insurance

Ideal for occasional travelers, single-trip insurance covers individual trips, typically lasting up to 180 days. It’s cost-effective for infrequent travelers and easy to purchase online with prices going as low as $4/day for a 3-day trip to Southeast Asia.

Example: Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice in Australia.

Annual Multi-Trip Travel Insurance

Designed for frequent travelers, annual multi-trip plans cover multiple trips within a year. You only need to purchase it once for 12 months of coverage, making it a great option for those intending to make multiple long trips or short getaways abroad in a year.

Example: Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

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What does travel insurance plans cover?

Travel insurance cover varies by plan but typically includes essential protection against unexpected events like trip cancellations, medical emergencies, lost belongings and more. Read on to discover the essential aspects of travel insurance coverage and what to consider when choosing a plan.

Overseas medical expenses

  • Claim for necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days).
  • Coverage limit is specified according to the selected plan.
  • Some plans have tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

  • Reimbursement in cash for hospital stays.
  • Commonly included in many plans, especially after the Covid-19 pandemic.

Emergency medical evacuation and repatriation

  • Fundamental coverage for costs incurred during emergency medical evacuation and repatriation (including repatriation of mortal remains to Singapore).
  • Ensure someone contacts the insurer’s emergency service on your behalf, providing: your full name, trip dates, NRIC/FIN number, policy number, location, and contact number. As well as the nature of the emergency and required assistance.

Trip cancellation and interruption

  • Coverage for trip cancellations, postponements, delays, and interruptions.
  • May be applicable if you or relatives traveling with you are diagnosed with severe illness or injured before the departure date (subject to terms and conditions).

Baggage and personal belongings

  • Coverage for lost, stolen, or damaged baggage and belongings.
  • Baggage delay compensation if your luggage is delayed.
  • Some providers can also offer separate coverage for gadgets like phones, laptops, cameras, etc.

Pre-existing conditions

  • Not commonly included in most plans, but available with certain insurers like MSIG, Income Insurance (formerly known as NTUC Income Travel Insurance, and Etiqa.
  • Usually has higher premiums compared to regular plans.
  • Provides coverage for overseas medical expenses related to pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While travel insurance includes “trip cancellation” coverage, claims are only valid for insured events like illness, accidents, or unforeseen events (riots, natural disasters). Be sure to check the policy for exclusions.

Flight Cancellation Due to Known Event

Flight cancellations due to events already publicly known at the time of ticket purchase are not covered, as you're expected to be aware of them. However, coverage applies if you bought your flights and insurance before the event was made public

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers events beyond your control. If you decide to cancel your trip, you generally can't claim anything unless your policy includes a "Cancellation for Any Reason" benefit. However, during pandemics or major events, airlines may waive cancellation penalties as a goodwill gesture. Always check with your airline and insurer for updated policies during such situations.

What Customers Say about their Travel Insurance Purchase

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Review by Doreenngsk Ng

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

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Review by Ron Tay

"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"

As seen on Google

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Review by Jodel Tan

"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."

As seen on Google

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How do travel claims work?

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Step 1

Get your supporting documents ready

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Step 2

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Step 3

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is the average cost of travel insurance in Singapore?

For a one-week trip to an ASEAN country, travel insurance usually costs between S$25 and S$116. The exact price depends on a few factors, including your destination, trip length, and the type of coverage you select.
To save money, check MoneySmart for travel insurance promo codes and deals. With these discounts, you could get coverage for as low as S$4 a day.

What's the difference between single-trip or annual multi-trip travel Insurance?

  • Single-trip insurance covers you for one trip, ideal for individuals or families going on a single holiday, especially longer trips (up to 180 days).
  • Annual multi-trip insurance covers multiple trips within a year, each under 180 days. It's best for frequent travelers (10+ trips a year), offering convenience and cost savings as you're covered for the whole year without needing to buy insurance for each trip.

    • Are family travel insurance plans cheaper?

    Most insurers offer lower premium rates for family travel insurance plans, and some even provide free coverage for children when included in a family plan.

    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 to 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 a relatively simple insurance product. All travel insurance policies will cover you for personal accident, medical and travel inconveniences. 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!

    What are the best travel insurance for East and Southeast Asia countries?

    We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia, taking a weekend trip to Thailand, holidaying in Bali, planning a trip to Japan or a getaway to South Korea. Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

    Does travel insurance cover flight cancellation due to illness?

    You can typically make travel insurance claims for unforeseen illnesses, but only if a doctor certifies that you are too ill to travel. This means the illness must be severe and not a minor issue like a mild cold.

    However, there is a key exception: claims related to pre-existing medical conditions are generally not covered. For example, if you have asthma, you won’t be compensated for missing your flight due to an asthma attack, as this is a known risk you are expected to manage.

    Coverage for pre-existing conditions is available with certain policies, but these plans are usually more expensive than standard travel insurance.

    Is there a difference between family travel insurance plans and group travel insurance plans?

    Family travel insurance plans are designed for immediate family members, offering tailored coverage for spouses, partners, and dependent children. They typically provide family-specific protection for events like family-related cancellations and medical emergencies. These plans often come with a single premium, making them cost-effective.

    In contrast, group travel insurance plans are meant for diverse groups of travelers, including non-family members such as friends, colleagues, or organization members. They offer flexibility in coverage, allowing each participant to customize their protection based on individual needs, making them suitable for a variety of group compositions. If you are looking to purchase group travel insurance in singapore or family travel insurance, compare the best plans on Moneysmart!

    We asked Singaporeans about flight disruptions, and they answered.

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