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Travel Insurance Singapore
Travel Insurance offers travel protection and travel assistance to protect you from the risks of traveling. Traveling can be risky, and it’s important to make sure you’re protected in order to enjoy your trip without worrying about financial repercussions.
If you’re a travel enthusiast, then travel insurance is a must-have for you. Traveling can be unpredictable and there are many things that can go wrong while traveling overseas from loss of luggage to medical emergencies which require travel insurance coverage.
Especially with the existing risk of the Covid-19 pandemic, it is important to choose a travel insurance that will help you lessen your worries especially when travelling nowadays.
In this article, we will discuss some of the Best Travel Insurances available in Singapore for travelers who are looking for reliable protection when they travel abroad.
1. Allianz Travel Insurance
| Key Services | Travel Insurance Catered to Different Needs |
| Website | https://www.allianztravelinsurance.com/ |
| Phone | +65 6327 2215 |
| sg.travelclaims@allianz.com | |
| Operating Hours | Mon – Fri, 9:00 – 17:30 |
The Allianz Travel Insurance has the most comprehensive COVID-19 medical coverage, providing $1 million in coverage. It also includes a unique benefit: the option to advance payments (subject to availability or approval) if you are admitted to a hospital as an inpatient.
However, it loses points for lacking a worldwide hospital cash payment and quarantine allowance coverage. If you want an all-in-one policy without having to purchase an extra COVID-19 addon, go with this option.
Key Differentiators
- Identify closest hospitals & arrange and pay for transport
- Advance payment for in-patient services, where accepted
- Provision of medical escort if needed, subject to availability
- Arrange payment to return home
Client’s Testimony
“I got my luggage delayed during my trip in Thailand in 2018, Allianz travel insurance have been helpful when I inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. Response have been very fast and accurate. Claim is also very fast. I would give 5 stars plus plus plus if possible”
2. Sompo Travel (COVID-19) Essential travel Insurance
| Key Services | Travel safely and smartly with COVID-19 coverage |
| Address | 50 Raffles Place, #03-03 Singapore Land Tower, Singapore 048623 |
| Website | https://www.sompo.com.sg/products/travelcovid |
| Phone | 65 6461 6555 |
| emailus@sompo.com.sg | |
| Operating Hours | Mondays to Fridays, 8.30am to 5.30pm |
If you, an immediate family member, or a traveling companion who is insured by Sompo were diagnosed with Covid-19 less than 30 days before your scheduled departure date, you are eligible for compensation. Whether to claim for travel expenses rather than going alone is up to you.
While traveling, you are entitled to a refund if your trip is canceled. You can also seek recompense if the proposed duration of your holiday proves shorter than anticipated because of circumstances out of your control. Additionally, while away, you are protected from trips being cut short due to another person’s Covid-19 diagnosis.
Expenses for travel to and from a hospital can be claimed for a maximum of 45 days; following the first day being the day you first seek treatment or when your benefits limit is first reached, whichever comes first.
Overall, this strategy gives you a lot of leeway with changes to your travel plans, but it isn’t nearly as flexible when it comes to medical treatment. It’s most likely preferable if you are under the age of 55, have no underlying health concerns, and have already been immunized.
Key Differentiators
- Benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings
- Takes care of the essential coverage you need
- Protection against hefty overseas medical expenses
3. FWD travel insurance + Covid-19 coverage
| Key Services | Comprehensive COVID-19 coverage Sports equipment protector Pet care Home contents cover Car rental excess |
| Address | FWD Singapore Pte Ltd 6 Temasek Boulevard, #18-01 Suntec Tower Four Singapore 038986 |
| Website | https://www.fwd.com.sg/travel-insurance/ |
| Phone | +65 6820 8888 |
| contact.sg@fwd.com | |
| Operating Hours | Monday to Friday: 9:00am – 10:00pm Saturday: 9:00am – 1:00pm |
If you’re already hesitant about the expense of all the antigen tests you’ll have to take before and after your trip, FWD is a budget-friendly alternative since its travel insurance policies are among the most inexpensive in Singapore.
If you have a Covid-19 diagnosis less than 30 days before your scheduled departure date or are forced to alter your itinerary due to an overseas Covid-19 restriction, the plan reimburses some of your travel-related expenditures.
If you are traveling overseas or require hospitalization for a period of up to 14 days in Singapore, you may be eligible for tax relief on medical expenses and a hospital cash benefit.
Although coverage is quite limited, the rate is incredibly low. If you can’t afford anything else, get this.
Key Differentiators
- COVID-19 Enhanced Travel Benefits
- Keeps you financially protected
- Insurance up to 180 days before your scheduled trip
Client’s Testimony
Tracy has provided efficient support of the extension of my travel policy while I’m abroad and accommodating to my timezone differences. I’m satisfied with the service provided.
Gwen Ching
4. Tiq Travel Insurance
| Key Services | Comprehensive COVID-19 add-on Get paid upon a 3-hour flight delay, even without submitting a claim Instant claims encashment |
| Address | One Raffles Quay, #22-01 North Tower, Singapore 048583 |
| Website | https://www.tiq.com.sg/product/travel-insurance/ |
| Phone | +65 6887 8777 |
| customer.service@etiqa.com.sg | |
| Operating Hours | Monday – Friday 8:45am – 5:30pm |
Tiq travel insurance, which joined the list late due to COVID-19 exclusions, is now providing COVID-19 coverage as an add-on. This is divided into three levels: entry, savvy, and luxury, depending on the coverage level you pick.
The maximum benefit level of S$300,000 for COVID-19 medical expenses incurred outside of Singapore, as well as up to S$5,000 for trip cancellation and deposit loss, is offered by the top plan. You are covered up to S$1,500 if your trip is delayed.
In addition, there is a quarantine allowance of up to S$1,500 per month, S$100 every 24 hours, and up to S$500,000 for emergency medical evacuation.
Since the COVID-19 coverage is only available as a rider, you’ll just have to add a little extra to enjoy the benefits and provide you and your family peace of mind.
Key Differentiators
- Coverage for pre-existing medical conditions
- 24-hour worldwide emergency travel support
- Protection before, during,and during your tri
5. AXA Wanderlust
| Key Services | Medical Expenses Coverage Overseas Hospitalisation Allowance 24-Hour Emergency Travel-Related Assistance Travel Inconveniences Natural Disaster Benefit Adventure Cover Covers you if you are injured whilst participating in adventurous activities for leisure purpose during COVID-19 extension |
| Address | 8 Shenton Way, #24-01 AXA Tower, Singapore 068811 |
| Website | https://www.axa.com.sg/travel-insurance |
| Phone | +65 6880 4888 |
| customer.care@axa.com.sg | |
| Operating Hours | 9:00am – 5:30pm (Monday – Friday) |
The Essential or Comprehensive Plan are the two plans offered by AXA SmartTraveller, and it provides different levels of coverage.
If you need medical treatment in a foreign country, the Comprehensive plan offers coverage of up to S$150,000 COVID-19, and the Essential plan covers up to S$75,000. There’s also a hospitalization benefit of up to S$2,000 for the Complete plan.
AXA provides you with a daily allowance of S$50 if you are quarantined in another country due to the pandemic, as well as coverage up to S$700. You can also rely on emergency medical evacuation and repatriation services if you need them.
If your trip is delayed or canceled, you won’t have to pay the entire amount. This travel insurance protects you against a variety of reasons for delays and cancellations, including being diagnosed with COVID-19 or self-isolation as a possible case of COVID-19.
Key Differentiators
- Covid-19 extension: Overseas medical expenses
- Overseas hospitalisation allowance
- Emergency medical evacuation and/or repatriation
- Pre-departure trip cancellation or postponement
- Trip curtailment or rearrangement losses
6. AIG Travel Guard
| Key Services | Overseas medical expenses and emergency medical evacuation Pre-trip cancellation Loss of personal belongings Baggage delay |
| Address | AIG Building 78 Shenton Way, Level 1 Singapore 079120 |
| Website | https://www.aig.sg/personal/travel-guard |
| Contact Form | https://www.aig.sg/contact |
| Operating Hours | Upon appointment |
If you’re caught in Covid-19 in Singapore, the insurance covers your travel expenses if you have to postpone your trip or cancel it because of the illness. You receive medical coverage as well as a quarantine allowance.
Although this is a good list of advantages compared to what the competition has to offer, there are a few omissions from the list, including a daily hospital cash benefit, early return home, and trip interruption owing to quarantine or other government changing policies.
Key Differentiators
- Alteration of your trip
- Early return home
- Out-of-country COVID-19 diagnosis quarantine allowance
7. Singlife Travel Insurance
| Key Services | Single trip insurance Annual multi-trip insurance |
| Address | 4 Shenton Way, SGX Centre 2 01-01, Singapore 068807 |
| Website | https://singlife.com/en/insurance/travel |
| Phone | +65 6460 9391 |
| Operating Hours | Mondays to Fridays: 8:45am to 5:30pm |
You can get Singlife travel insurance in three different levels — Lite, Plus, and Prestige. If you opt for the COVID-19 certification, only the top two tiers provide unlimited coverage for essential medical evacuation and repatriation.
The insurance provides worldwide quarantine benefits of up to S$100 per day for members under the Prestige plan, and up to S$2,000 for members on the Premium plan. The Plus plan gives S$50 per day up to a maximum of S$1,000. The Lite policy is not covered by this coverage.
For any trip cancellation, delay, or interruption, the Prestige plan will pay up to S$2,000 while the Plus plan covers up to S$1,500, and the Lite program reimburses up to S$500.
Key Differentiators
- 24/7 Emergency travel assistance
- Loss of frequent flyers points
- Rental vehicle excess
- Loss of baggage
- Accidental death & disability5
- Overseas medical expenses
- Personal liability
- Trip interruption – Change of trip itinerary
Travel Insurance Singapore
Travelers are increasingly looking for travel insurance that provides the best travel protection and travel assistance. This post can help you find reliable travel insurance in Singapore to protect your trip from the risks of traveling within the island or even abroad.
The 7 Best Travel Insurances discussed here all offer different levels of coverage, so if you’re not sure which one is right for you, be sure to review this article before making a decision on what type of travel insurance policy is suitable for your needs.
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