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Compare the Best Travel Insurance Online 2026 | Win a MacBook Neo!

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We found 2 Insurance Plans for you!

3-hour delay & cruise cover included
FWD First image
S$35.26
S$54.2435% OFF
Total Premium
FWD First
S$1,000,000
Med. Coverage (Overseas)
S$15,000
Trip Cancellation
S$7,500
Loss/Damage of Baggage
MoneySmart Exclusive

[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo when you're the first to submit a MoneySmart Claim Form at 20:00 daily! T&Cs apply.

 

[Travelling? Get Rewarded!]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 35% off Single Trip plans and 30% off Annual Travel plans with code MSTRIP. Valid from 3 to 7 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on

Valid till 21 Jun 2026

APPLY NOW for FWD First
on FWD's secure site
Most Comprehensive Coverage + Free Lounge Access*
S$1,000,000
Med. Coverage (Overseas)
S$15,000
Trip Cancellation
S$7,500
Loss/Damage of Baggage
MoneySmart Exclusive

[GIVEAWAY: Free Trip or Free Macbook?]
Score a FREE Trip or a FREE MacBook Neo when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily! T&Cs apply.

 

Travel with REWARDS:
S$70 GrabGift vouchers
• OR up to S$60 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 1 to 18 Jun 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.
T&Cs Apply

Valid till 21 Jun 2026

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Travel Insurance Plan in Singapore 2026

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.

Latest Travel Insurance Promotions in Singapore

ProviderKey BenefitsPromotionValid until
Allianz Travel
  • Med. Coverage (Overseas): S$1,000,000.00
  • Trip Cancellation: S$10,000
  • Loss/Damage of Baggage: S$5,000
Receive a S$50 Grab Voucher or an Apple AirTag (worth $45) in addition to the other gifts when you meet the giveaway requirements.

Choose your reward path:
Up to S$45 Cash via PayNow
• An Apple AirTag (worth S$45)
S$60 GrabGift vouchers
• AND S$30 Revolut cash reward
and additional discounts apply with eligible premiums.

Additionally, 63% off your policy premium when you apply the promo code MSAZ.
1 Jun 2026 till 30 Jun 2026
Starr
  • Med. Coverage (Overseas): S$1,000,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$7,500.00

Be among the first to submit a MoneySmart Claim Form by 20:00 SGT daily to receive either a complimentary trip or a complimentary MacBook Neo.

 

Rewards include up to 60% off Silver Plans and select perks:
Up to S$100 GrabGifts vouchers
• OR Up to S$68 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when eligible premiums are spent

1 Jun 2026 till 21 Jun 2026
Hong Leong Assurance
  • Med. Coverage (Overseas): S$750,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$8,000.00

S$10 Grab vouchers when you purchase a HL Assurance travel insurance with a minimum premium above $100.

 

Choose CASH or REWARDS:
S$60 GrabGift vouchers
• OR up to Eskimo 8GB eSIM (worth S$60)
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward (for eligible premiums spent)
and many more with eligible premiums spent.

 

Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans!

1 Jun 2026 till 15 Jun 2026
FWD
  • Med. Coverage (Overseas): S$1,000,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$7,500.00

Be the first to submit a MoneySmart Claim Form by 20:00 each day to win a complimentary trip or a Free MacBook Neo.

 

Travel perks:
S$30 Revolut cash reward with the purchase of FWD Travel premiums.
• Enjoy 35% off Single Trip plans and 30% off Annual Travel plans with code FWDTRIP; valid from 3 to 7 Jun 2026.
$50 eCapitaVoucher from FWD with an Annual Travel Insurance policy that includes the PreX add-on.

1 Jun 2026 till 21 Jun 2026
MSIG
  • Med. Coverage (Overseas): S$150,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$7,500.00

Be the first to submit a MoneySmart Claim Form by 20:00 SGT daily to receive a FREE Trip or a FREE MacBook Neo.

 

Travel with REWARDS:
S$70 GrabGift vouchers
• OR up to S$60 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards on eligible premiums spent.

 

Exclusive MoneySmart Promos
• Enjoy up to 1GB free eSIM from MSIG.
• Plus, enjoy a complimentary MSIG Lounge Pass at the airport for flights delayed more than 90 minutes.

1 Jun 2026 till 21 Jun 2026
Tiq by Etiqa
  • Med. Coverage (Overseas): S$1,000,000.00
  • Emergency Medical Evacuation & Repatriation of Mortal Remains to Singapore: S$250,000.00
  • Adventure Sports Travel Insurance: Covered

Submit the MoneySmart Claim Form by 20:00 daily to be among the first and receive either a FREE Trip or a FREE MacBook Neo.

 

Fastest way to cash or rewards:
Up to S$50 GrabGift vouchers
• OR Up to S$35 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.

 

Tiq's Online Promos
• Save 55% on Single Trip and 30% on Annual Plans with code TIQMS on Tiq Travel Insurance plans. Valid 1–15 June 2026
$30 OFF for new customers with code FREETRAVEL

1 Jun 2026 till 21 Jun 2026
Singlife
  • Overseas Medical Expenses: Unlimited
  • Trip Cancellation: S$20,000.00
  • Loss/Damage of Baggage: S$8,000.00

Get CASH or REWARDS:
S$60 GrabGift vouchers
• OR 8GB Eskimo eSIM
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible premiums spent.

 



Plus, get 55% off with code VACAY55 on Single Trip Singlife Travel Insurance plans.

1 Jun 2026 till 30 Jun 2026
Income
  • Med. Coverage (Overseas): S$1,000,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$8,000.00

Be the first to submit a MoneySmart Claim Form by 20:00 SGT each day to receive a FREE Trip or a FREE MacBook Neo.

 

Travel with REWARDS
• Receive a S$30 Revolut cash reward when you purchase Income Standard Travel premiums.
• Enjoy 55% off on Standard Per-trip travel plans.
• Enjoy 15% off on PreX Per-trip travel plans.
Discounts valid from 28 May to 2 Jun 2026, 9:00AM

1 Jun 2026 till 21 Jun 2026
DirectAsia
  • Med. Coverage (Overseas): S$500,000.00
  • Trip Cancellation: S$15,000.00
  • Loss/Damage of Baggage: S$5,000.00

Choose cash or rewards options:
• Receive up to S$30 GrabGift vouchers
• Receive up to S$40 cash via PayNow
• Also, S$30 Revolut cash reward
with eligible premiums spent.



Additionally, enjoy 40% off your policy premiums.

1 Jun 2026 till 30 Jun 2026

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MoneySmart is Singapore’s most trusted personal finance platform, known for delivering accurate, unbiased, and transparent financial advice. Backed by over a decade of experience, our team of experts rigorously research and review financial products everything from credit cards to personal loans to insurance—we empower you to make confident, well-informed money decisions.

What Major Providers Cover

Different insurers structure their travel insurance plans slightly differently, but here are some common elements you’ll see across the market:

  • Overseas medical coverage: Covers hospitalisation, emergency evacuation, and follow-up treatment upon returning to Singapore.
  • Travel inconvenience: Reimbursement for cancellations, delays, and lost or delayed baggage.
  • Personal accident benefits: Lump-sum payout in case of accidental death or permanent disability.
  • COVID-19 protection: Varies by insurer, but most offer overseas medical coverage, along with trip cancellation or curtailment in some cases.
  • Adventure sports cover: Extended protection for high-risk or adrenaline activities like scuba diving, skiing, sky diving, and more.

Comparison: Average Cost and Coverage Extent of Travel Insurance in Singapore


Insurance provider Best For Medical Coverage (Overseas) Trip Cancellation Coverage Baggage Damage or Loss Premium
Allianz Emergency transportation (Includes COVID-19 Coverage) From S$200,000 From S$1,500 From S$1,000 From S$14.80
DirectAsia "Kids travel with free coverage" benefit (Families) From S$150,000 From S$3,000 From S$1,000 From S$16.87
FWD Lower premiums From S$200,000 From S$7,500 From S$3,000 From S$16.75
Great Eastern Coverage for sports and adventurous activities From S$100,000 From S$2,000 From S$2,500 From S$16.20
Hong Leong Assurance No claim discount of up to 10% on next trip From S$150,000 From S$5,000 From S$3,000 From S$18.40
Income Post-departure purchase up to a day of departure From S$250,000 From S$5,000 From S$3,000 From S$26.86
MSIG Comprehensive coverage (includes pre-existing conditions) From S$250,000 From S$5,000 From S$3,000 From S$17.40
Singlife High or unlimited overseas medical coverage From S$250,000 From S$5,000 From S$3,000 From S$22.58
Sompo Specially tailored plan for Japan trips From S$200,000 From S$5,000 From S$1,000 From S$17.60
Starr Cruise coverage From S$200,000 From S$5,000 From S$3,000 From S$17.16
Tiq Auto-pay out and higher efficiency for flight delays From S$200,000 From S$5,000 From S$2,000 From S$16
Zurich Complimentary lounge access for flight delays From S$100,000 From S$2,500 From S$2,000 From S$16.62
UOI Extensive coverage including COVID-19 From S$100,000 From S$3,000 From S$1,000 From S$36

Disclaimer: Accurate as of 23 March 2026. Premiums shown in this table are “from” prices based on the insurer’s entry-level plan for a short trip to a low-risk regional destination (typically 3–4 days within Asia, single adult traveller). Actual premiums will vary depending on your destination, duration, age, coverage tier, and add-ons selected. Always run a personalised quote to get the exact cost for your trip.



How to use this table?


  • Start with coverage needs: If you’re mainly worried about medical bills overseas, Starr and FWD both offer solid base coverage of S$200,000.
  • Check COVID-19 protection: Starr Bronze includes S$15,000 in overseas medical cover, while FWD offers a higher add-on option (up to S$200,000).
  • Look at travel disruption: FWD provides stronger cancellation protection (S$7,500 vs Starr’s S$5,000).
  • Review baggage cover: Both Starr and FWD protect against baggage loss/delay, though Starr offers higher delay payouts.
  • Don’t miss MoneySmart Exclusive promos: Promotions can tilt the balance.

How to Choose the Right Travel Insurance: Step-by-Step Guide

Not sure which travel insurance plan makes sense for your trip? With so many options out there, it can feel like comparing apples to oranges (and sometimes pineapples). We’ve broken down your decision-making into simple steps so you can confidently match a plan to your travel style, budget, and destination requirements.

Step 1

Define your trip type

Heading off for a weekend getaway, a family holiday, or a months-long adventure? Your trip style determines the level of coverage you’ll need.

Let’s take Starr TraveLead Comprehensive Bronze as an example:
  • Short trips: The Bronze tier offers reasonable coverage for essentials such as medical, baggage, and delays.
  • Family trips: Its family travel insurance policy also comes with free child coverage.
  • Frequent travel: Annual plans from providers like MSIG or FWD may be more cost-effective.
Step 2

Check your destination rules

Some countries require proof of travel insurance:
  • Schengen countries: At least €30,000 medical cover including repatriation.
  • Japan: Certain visas require proof of medical insurance.
  • Others: COVID-19 coverage may be mandatory.

Always confirm entry requirements with the embassy before booking.
Step 3

Prioritise medical coverage

Medical emergencies abroad are expensive, and this is the most critical benefit to check.

Ideally, you should aim for at least $200,000 coverage—more if you’re travelling to countries with high medical costs.
Step 4

Balance baggage and disruption cover

Lost luggage and cancelled flights can derail a trip. Compare benefits for:
  • Trip cancellation: Some plans can protect up to $7,500.
  • Travel delay: Some plans pay $100 per 6 hours, up to $500 at a time.
  • Baggage protection: Most plans cover $3,000; check sub-limits for electronics.
Step 5

Look at add-ons and extras

Add-ons can make or break your protection:
  • Adventure sports: Starr and FWD cover activities like scuba diving and skiing.
  • Pre-existing conditions: Income and MSIG offer Enhanced PreX or add-on options.
  • COVID-19: Starr includes up to $100,000 overseas medical cover, while FWD allows a higher add-on (up to $200,000).
Step 6

Compare MoneySmart Exclusive promotions

Use our MoneySmart travel insurance comparison tool to find and compare the best MoneySmart Exclusive promos and deals on the market—from discounted premiums to travel bonuses like eSIMs , vouchers, cash rewards, and more!

Popular Travel Insurance Add-Ons & Customisation Tips

Basic travel insurance will cover the essentials, but sometimes your trip needs a little extra protection. Add-ons let you customise your plan so it fits your destination, activities, and personal circumstances. Here are the most common options in Singapore and when they’re worth it.

Common add-ons explained


Add-on What it Covers Best for Example providers
Adventure sports Activities like scuba diving, skiing, or hot air ballooning Travellers planning thrill-seeking holidays Starr: Includes scuba diving, snow sports
FWD: Covers diving, bungee, skydiving
MSIG: Covers winter sports with add-on
Sompo: Covers Japan ski trips
Pre-existing condition cover Medical treatment abroad linked to existing conditions Travellers with chronic conditions Income Enhanced PreX
MSIG TravelEasy with PreX add-on
FWD optional coverage
COVID-19 extensions Medical bills, cancellation, and trip disruption due to COVID-19 Travellers going to destinations with COVID-19 rules Starr Bronze (includes $15,000 medical)
FWD add-on (up to $200,000)
Allianz Silver (includes COVID-19 cover)
Tiq (includes COVID-19 medical)
Baggage upgrades Higher claim limits for lost/delayed baggage and electronics Travellers carrying expensive gear (e.g., laptops, cameras) Available across most providers including DirectAsia and Singlife
Trip cancellation add-ons Higher payouts or “cancel for any reason” options Travellers with high prepaid costs or uncertain schedules FWD Premium cancellation add-on
Allianz Enhanced plans
HL Assurance TravelProtect options
Rental vehicle excess Covers the excess if you damage a rented car overseas Road trippers renting vehicles abroad Starr ($500 excess cover)
FWD (rental car excess cover)
MSIG (optional add-on)

Different Trips, Different Risks 🌍

Compare destination-specific travel insurance plans with us on MoneySmart and travel with confidence, wherever you land.

COVID-19 & Health Cover: Your Travel Insurance Checklist

While COVID-19 may no longer be front-page news, it still matters when you’re travelling. It can still strike when you least expect it, leading to emergency hospital stays to cancelled flights, and other pandemic-related mishaps that can derail even the best-laid plans. Here’s a simple checklist of what to look for in your travel insurance, plus how Singapore insurers stack up.

✔️ Overseas medical coverage. Aim for at least $200,000. This covers hospitalisation, surgery, and follow-up treatment back in Singapore.
✔️ COVID-19 medical expenses. Check if the plan includes cover for treatment abroad.
✔️ Trip cancellation due to infection. Reimburses non-refundable bookings if you or a travel companion test positive.
✔️ Trip curtailment. Covers and reimburses your forfeited costs if your trip is cut short.
✔️ Quarantine allowance. Daily benefit if you’re forced into isolation overseas.
✔️ Emergency evacuation & repatriation. Critical if you need to be flown home for treatment.
✔️ Pre-existing condition cover. Only available on selected plans (e.g., Income Enhanced PreX, MSIG TravelEasy PreX add-on).


How major insurers cover COVID-19


Provider COVID-19 Medical Cover Trip Cancellation / Curtailment Quarantine Allowance Notable Features
Starr TraveLead Comprehensive Bronze $15,000 overseas medical ❌ Not included (only on Silver/Gold) ❌ Not included Adventure sports cover, family child cover
FWD Premium Add-on: up to $200,000 $5,000 $100/day (max $1,400) “Cancel for any reason” add-on, strong digital claims
Income Enhanced PreX Covers COVID-19 as part of PreX plans ✅ Included ✅ Included Designed for chronic conditions, strong hospitalisation cover
MSIG TravelEasy $75,000 (Standard), up to $150,000 on higher tiers $3,000 cancellation, $3,000 curtailment $50/day (max $700) Add-ons for pre-existing conditions, flexible tiers

Singapore Travel Insurance: Price Drivers & Smart Savings

Ever wondered why two people can pay very different prices for travel insurance? Premiums aren’t random; they’re shaped by a handful of key factors. Here’s what really drives the cost of your policy, and smart ways to save without sacrificing protection.

Destination

  • Why it matters: Countries with high medical costs (e.g., USA, Japan) mean higher premiums.
  • Example: A US trip may cost 2–3x more than a regional trip.

Trip length

  • Why it matters: Longer trips increase exposure to risk, such as higher chances of falling sick, getting into personal accidents, losing or misplacing personal belongings and baggage, and more.
  • Impact: A 2-week trip naturally costs more than a weekend getaway.

Traveller age

  • Why it matters: Older travellers face higher health risks due to age-induced chronic conditions.
  • Impact: Premiums rise significantly for seniors, especially when acquiring pre-existing medical coverage.

Pre-existing conditions

  • Why it matters: Specialised cover is needed to protect against known health issues.
  • Impact: Income Enhanced PreX and MSIG PreX add-ons cost more.

Add-ons

  • Why it matters: Adventure sports, rental vehicle excess, or high baggage cover push up costs.
  • Impact: For instance, Starr TraveLead’s adventure sports cover adds to premium but protects divers/skiers.
💡 MoneySmart Tip: Buy your travel insurance plan early, preferably within the same timeframe of purchasing your travel ticket! Premiums don’t usually drop last-minute. Securing a policy early locks in coverage and can protect prepaid bookings.

Just be careful not to compromise on coverage while chasing after savings! Remember, savings is smart, but under-insuring is not.
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5 Real-Life Travel Scenarios Explained

It’s one thing to read about coverage on a policy document, it’s another to see how it actually saves your trip. Here are five common travel mishaps and how different types of insurance benefits kick in to protect you.

Scenario #1: Medical emergency abroad

You’re on a ski holiday in Japan and suffer a serious leg injury. Hospitalisation and surgery cost over $50,000.

  • How insurance helps: A plan like Starr TraveLead Comprehensive Bronze covers up to $200,000 overseas medical expenses, plus unlimited emergency evacuation if you need to be flown back to Singapore.
  • Without insurance: You’d be footing the entire bill out of pocket.

Scenario #2: Flight delay mayhem

Your connecting flight from Bangkok is delayed for 12 hours, leaving you stranded.

  • How insurance helps: FWD Premium pays $300 for delays, plus covers meals and accommodation.
  • Without insurance: You absorb the extra hotel and food expenses.

Scenario #3: Lost luggage at the airport

Your bags don’t arrive with you in Paris. They show up 3 days later.

  • How insurance helps: Starr TraveLead Comprehensive Bronze pays $100 per 6 hours of baggage delay (up to $400), plus up to $3,000 for lost or damaged items.
  • Without insurance: You’d need to buy essentials and replace items at your own cost.

Scenario 4: COVID-19 cancellation

Two days before your Bali holiday, you test positive for COVID-19 and can’t fly.

  • How insurance helps: FWD Premium’s COVID-19 add-on covers up to $5,000 in cancellation costs. Some plans also cover quarantine expenses if you’re stuck overseas.
  • Without insurance: You lose your prepaid hotel and flight bookings.

Scenario 5: Adventure sports accident

You’re diving in the Maldives and suffer decompression sickness requiring emergency evacuation.

  • How insurance helps: Plans like Starr TraveLead Comprehensive Bronze and MSIG TravelEasy include adventure sports coverage and unlimited evacuation, ensuring you get timely treatment.
  • Without insurance: Evacuation flights can cost upwards of $30,000.

Scenario #5: Trip cancellations due to civil unrest & war

You've planned a month-long trip to Europe when conflict breaks out unexpectedly in a nearby region, causing flight disruptions, cancellations, and safety advisory warnings just days before departure.

  • How insurance helps: Certain plans may cover trip cancellations or disruptions due to unforeseen war or civil unrest, reimbursing prepaid expenses if you decide not to travel—subject to policy wording.
  • Without insurance: You risk losing thousands on flights, hotels, and bookings you can’t refund.
  • 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.

    How to File for Travel Insurance Claims in Singapore

    Buying a policy is only half the job — knowing how to claim is what gets you paid when things go wrong. Here’s a clear, step-by-step guide to filing travel insurance claims in Singapore.

    Step 1

    Notify your insurer quickly

    Most insurers require claims to be lodged within 30 days of the incident. Contact your insurer as soon as you can. Delays may hurt your payout chances.
    Step 2

    Gather your documents

    Prepare the essentials:
    • Boarding passes and flight itinerary
    • Receipts for expenses (e.g., meals, replacement items)
    • Medical reports for hospitalisation or treatment
    • Police report if theft or loss is involved
    • Proof of delay from airlines or transport providers
    Step 3

    Submit via digital platforms

    Most Singapore insurers now offer fast, online claims:
    • FWD: File claims directly via their app or web portal.
    • Starr: E-claims submission system, easy upload of receipts and documents.
    • MSIG: Online claim portal with guided submission steps.
    • Tiq: Known for digital-first claims and quick turnaround times.
    Step 4

    Track status and follow up, if necessary

    Keep your claim reference number handy. Most insurers will acknowledge claims within a few working days. Check the claim status online or via the insurer’s hotline if delays occur.

    Step 5

    Understand processing timelines

    Standard processing takes between 14–30 working days.

    Complex claims (e.g., medical evacuations, major hospitalisations) may take longer.

    Payouts are usually made via direct bank transfer.

    Flights Booked ✅ Insurance Next ➡️

    Compare the top travel insurance plans in minutes, here on MoneySmart, and travel worry-free.

    What Customers Say About Their Travel Insurance Purchase

    Frequently Asked Questions for Singapore Travellers

    Got questions? You’re not alone. Here are the top travel insurance FAQs for Singaporeans — answered simply, with key tips and links to deeper sections of this guide.

    Is travel insurance mandatory for all destinations?

    While travel insurance is not mandatory everywhere, it is highly recommended regardless for the sake of staying well-protected on all your trips. However, there are some exceptions where travel insurance is necessary.
    • Schengen states require at least €30,000 in medical cover (refer to above section).
    • Japan requires proof of insurance for certain visa types.

    How much travel insurance coverage do I need?

    • Minimum recommendation: $200,000 for overseas medical expenses.
    • For destinations like the US or Canada, aim for $500,000 or more due to high healthcare costs.
    • Baggage, delay, and trip cancellation/curtailment cover vary. Such coverage is highly encouraged due to the frequency of airline delays or cancellations owing to various reasons like erratic weather conditions or political unrest. Meanwhile, baggage protection is great in case of loss of personal belongings or theft.

    Does travel insurance cover COVID-19?

    Yes, most travel insurance plans do offer COVID-19 coverage, either already within the plan or as an add-on. However, coverage varies:
    • Starr TraveLead Comprehensive Bronze: $15,000 for overseas medical only.
    • FWD Premium: Add-on covers up to $200,000, plus $5,000 cancellation and $100/day quarantine allowance.

    Always read your policy wording carefully to understand the full scope of your coverage.

    When should I buy travel insurance?

    As best practice, it’s advised to buy travel insurance as soon as you book your trip. Why? This is because trip cancellation benefits kick in immediately, protecting prepaid bookings.

    Are pre-existing conditions covered?

    Yes, but only for selected insurers’ travel insurance plans that specify pre-existing medical condition coverage. Plans like Income Enhanced PreX, MSIG TravelEasy with PreX add-on, and FWD Pre-existing add-on are good examples—however do note, such coverage is usually only available at higher-tiered plans. Basic plans tend to exclude pre-existing conditions from their policy.

    What if I travel frequently?

    If you travel frequently, it’s recommended to consider an annual multi-trip travel insurance plan instead of buying a single-trip policy each time. These plans cover you for unlimited trips within a 12-month period, usually with a maximum of 90 days per trip, giving you better value per journey.

    For instance, major insurers such as Allianz Travel, MSIG TravelEasy, FWD, and DirectAsia all offer annual plans. While single-trip policies can start as low as $13–$28, annual plans typically begin around $140 and can range higher depending on the tier, benefits, and promotions. MoneySmart Exclusives often bring down the cost further, making annual plans an affordable option for frequent flyers.

    How do I file a claim?

    1. Notify your insurer within 30 days.
    2. Prepare documents (receipts, reports, boarding passes).
    3. Submit online via your insurer’s digital portal. For example:
      • FWD: App/portal.
      • Starr: E-claims.
      • MSIG: Online claim portal.
      • Tiq: Digital-first claims.
    4. Track your claim; payouts usually take 14–30 working days.

    Do Singaporeans need a visa to travel to Indonesia?

    If you hold a Singapore passport, you can enter Indonesia visa-free for tourism or social visits for up to 30 days. Do note that no extensions are allowed for the visa-free entry. If you want the flexibility to extend your stay or enter through airports not offering visa-free entry, opt for a Visa on Arrival (VOA) instead.

    Do Singaporeans need a visa to travel to India?

    Singaporeans traveling to India must obtain a visa prior to arrival. For tourism and short business or medical trips, India’s electronic Visa (e-Visa) system is the way to go. This means you apply online and get pre-approval, rather than a physical visa label in your passport.

    Upon arriving in India, e-Visa holders get a visa stamp at the immigration “Visa on Arrival” counter (note: this isn’t a true visa-on-arrival; you must have applied online in advance).

    What are the requirements to apply for a UK tourist visa in Singapore?

    Where do I apply? Start your application on GOV.UK and book your biometrics appointment at a UK Visa Application Centre (VFS Global) in Singapore.

    What documents do I need? A valid passport, completed application and fee, proof of funds and ties (e.g. bank statements, employment letter), and accommodation or itinerary details.

    Do I need to provide biometrics? Yes, you must submit fingerprints and a photo at VFS Global.

    How long does processing take? About 3 weeks for standard processing; faster priority services are available for an extra fee.

    Do Singaporeans need a visa to travel to Vietnam?

    Singapore passport holders don’t need a visa to visit Vietnam for short trips. You can stay up to 30 days per entry, no paperwork required.

    But if you're planning a longer stay, working remotely, or making multiple entries in a short span, you’ll need either an e‑Visa or Visa on Arrival (VOA)—both are simple to get online.

    How long do travel insurance claims take in Singapore?

    Most travel insurance claims in Singapore take around 2–4 weeks to process, though timelines can vary depending on the insurer and the complexity of the case. Straightforward claims, such as medical reimbursements with complete receipts, are usually settled more quickly.

    • Provide all required documents in one go to avoid delays.
    • Report incidents and file your claim as soon as possible.
    • Make sure your claim form is complete and error-free.

    How to find the cheapest flights & travel deals in Singapore

    Before booking, begin with trusted flight comparison platforms that help you find the cheapest flights Singapore travellers can access. These tools aggregate fares across airlines and agencies, making it easier to spot hidden bargains.

    Skyscanner Skyscanner is popular for its “Everywhere” search option, which shows the cheapest destinations from Singapore on your chosen dates. It also allows you to view prices across an entire month, helping you identify the lowest fare days.

    Google Flights Google Flights offers fast results and a clear calendar view of fares. With its Google Travel ecosystem, you can filter by stops, baggage, and even track price trends. Setting price alerts is simple, ensuring you’re notified when fares drop.

    Trip.com Trip.com often lists exclusive promotions for Asia-based travellers, including flash sales and bundled discounts. It’s especially handy if you’re looking for regional getaways or cheap travel deals Singapore-based users might otherwise miss.

    Pro tips to maximise savings:

    • Be flexible with dates: Use flexible dates when searching—flying midweek can be significantly cheaper.
    • Browse in private mode: Try private/incognito browsing to reduce the risk of price hikes based on cookies.
    • Set price alerts early: Monitor fares and lock in prices before they rise.