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6 Best Travel Insurance in Singapore 2024

best travel insurance in singapore

It’s common for many travelers to experience flight delays, lost or stolen pieces of luggage and passports, or accidents that result in hospitalizations. 

If any of these circumstances happen to you during your trip and you’re uninsured, chances are you’ll have to draw out extra cash from your pocket to cover these unexpected expenses. This is why getting travel insurance is necessary. 

Even buying a basic travel insurance plan can cover certain incidents, such as medical bills incurred abroad. You can also look at other offers; some can be tailored to your needs, enabling a well-planned, worry-free vacation.

Here are our top picks for the best travel insurance in Singapore based on thorough research and comparisons. 

Please note that we are not affiliated with any of these providers.

Best Travel Insurance in Singapore

At a Glance 

InsurerPlan NameBest ForMed. Coverage (Overseas)Trip CancellationLoss/Damage of Baggage
Allianz Travel BasicHigh Medical CoverageS$200,000S$1,500S$1,000
SinglifeTravel LiteFrequent Flyer Points ProtectionS$250,000S$5,000S$3,000
FWDBusinessBudget Single Trip PlansS$500,000S$10,000S$5,000
NTUCTraveLead Comprehensive SilverPre-existing Medical Conditions S$500,000S$10,000S$5,000
MSIGTravelEasy EliteHigh Limits On Emergency Medical Evacuation S$500,000S$10,000S$5,000
Tiq by EtiqaSavvyPre-existing Medical ConditionsS$500,000S$5,000S$2,000

Ranking the Best Travel Insurance

  • Allianz Travel Insurance: Best for comprehensive medical coverage and high emergency limits, ideal for those prioritizing extensive medical protection.
  • MSIG TravelEasy: Top choice for extensive emergency evacuation coverage, suited for remote or risky destinations.
  • NTUC Travel Insurance: Excellent for travelers with pre-existing conditions, offering tailored medical support.
  • Singlife Travel Insurance: Perfect for frequent flyers seeking trip cancellation flexibility and medical evacuation.
  • FWD Travel Insurance: Affordable, comprehensive single-trip coverage, including adventure sports, ideal for budget travelers.
  • Tiq Travel Insurance: Offers flexible, affordable plans with customizable options, great for families or those with specific needs.
allianz travel insurance logo

1. Allianz Travel Insurance – High Medical Coverage


Allianz is one of the world leaders when it comes to travel protection. It comes with comprehensive medical coverage, including epidemic cases. Most of their plans also come with a variety of perks and benefits to give you confidence during your entire trip.

For emergency medical incidents during your trip, you’ll be reimbursed up to S$50,000. Allianz also has you when it comes to emergency medical transportation in case you get an illness or injury and need to be transported to the nearest hospital. 

Key Highlights: 

  • Comprehensive Coverage Options: Offers Basic, Silver, and Platinum plans with up to S$1,000,000 coverage for emergencies, including COVID-19, trip cancellations, and baggage delays.
  • Search and Rescue Costs: Provides up to S$10,000 for search and rescue, a rare benefit among insurers.
  • 24/7 Global Assistance: Round-the-clock support for emergency medical assistance, hospital identification, transportation, and medical escorts​.


  • Allianz Basic Plan (S$14 minimum per day)
  • Allianz Deluxe Plan (S$23 minimum per day)
  • Allianz Premium Plan (S$31 minimum per day)


  • Travel Delay
  • Baggage Delay
  • Trip Interruption
  • Trip Cancellation
  • Epidemic Coverage
  • Baggage Loss/Damage
  • Travel Accident Coverage
  • Pre-existing Medical Condition
  • Rental Car Damage and Theft Coverage
  • Emergency Medical, Emergency Medical Transportation

Rating: 4.0 stars


“Very supportive travel insurance provider. started with them during COVID days where all other insurance providers were not supportive of travels despite my need to travel for business under specialised services. Thank you!” – James Young

singlife logo

2. Singlife Travel Insurance – Frequent Flyer Points Protection


With Singlife, you can accumulate your miles and earn a free flight to your dream destination. In cases where trip cancellations due to any reason occur, select Singlife travel insurance plans can refund you. 

On top of that, you can also have the option to cancel your trip for any reason with a benefit amounting to S$5,000, provided you purchased their mid-tier or top-shelf plan. Going for the premium policies is worth it since traveling may come with several uncertainties. 

Further, if more than 50 percent of your holiday has been affected by heavy rainfall, Singlife will provide you a payout of S$150 for single trips (minimum is three days). That’s not it; insurers also offer unlimited medical expenses coverage when overseas. 

Key Highlights:

  • Pre-Existing Medical Conditions Coverage: Singlife Travel Insurance provides coverage for pre-existing medical conditions under certain plans, which is not commonly offered by many other travel insurance providers.
  • Unlimited Emergency Medical Evacuation: Some of Singlife’s plans offer unlimited coverage for emergency medical evacuation, which is a significant benefit compared to the capped amounts provided by many other insurers.
  • No Excess/Deductible for Claims: Singlife Travel Insurance plans do not require an excess or deductible to be paid when making a claim, making the claim process more straightforward for policyholders.
  • Automatic Extension of Coverage: In the event of unforeseen circumstances such as natural disasters or travel delays, Singlife automatically extends the coverage period without additional charges, providing extra peace of mind for travelers.


  • Basic Plan (starts at S$34.20)
  • Mid-Tier Plan (starts at S$52)
  • Top-Shelf Plan (starts at S$72)


  • Trip Interruption
  • Loss of Baggage
  • Personal Liability
  • Rental Vehicle Excess
  • Change of Traveling Date
  • Accidental Death & Disability
  • Overseas Medical Expenses
  • Loss of Frequent Flyer Points
  • Trip Cancellation for Any Reason
  • Unauthorized Use of Credit Card

Rating: 4.4 stars


Fast and trusted which won’t have worry. Given me lots of enjoyable happiness. Love so much. Awesome. – Carol Neo

fwd logo

3. FWD Travel Insurance – Budget Single Trip Plans


FWD has comprehensive coverage for your travels as they added a Covid-19 benefit to their policies. You can receive up to S$200,000 for any Covid-related medical expenses during or after your trip. You can also have up to S$5,000 for trip cancellation due to Covid-19 thirty days before departure. 

Meanwhile, if you get sick and are hospitalized for Covid-19 post-trip, your FWD travel insurance will give you an allowance of S$100 a day for fourteen days. This Covid-19 add-on is up for grabs for those insured by single-trip plans with a trip duration of up to 90 days or annual trip plans with a travel duration of 90 days on every trip. 

What makes their plans even more special is their claim process. They provide a cashless medical claim making it much easier to avail of the coverages you signed up for.

Key Highlights:

  • Unlimited Medical Evacuation: FWD provides unlimited coverage for medical evacuation and repatriation, which is a standout feature compared to many other insurers that have capped limits.
  • Adventure Sports Coverage: FWD covers a wide range of adventure sports activities, such as bungee jumping, skydiving, and scuba diving, without requiring additional premiums, which is not common among other insurers.
  • Easy Claims Process: FWD has a user-friendly online claims process, allowing policyholders to submit claims and receive payouts quickly and efficiently, often within a few business days.
  • Customizable Plans: FWD offers the flexibility to customize travel insurance plans with optional add-ons, such as rental vehicle excess coverage and sports equipment protection, allowing travelers to tailor their coverage to their specific needs.


  • Premium Plan (starts at S$30)
  • Business Plan (starts at S$40.80)
  • First Plan (starts at S$52.80)


  • Travel Delay
  • Baggage Delay
  • Overseas Medical Expenses
  • Medical Expenses Incurred Overseas
  • Fraudulent Personal Credit Card Usage
  • Theft of or Damage to Personal Belongings
  • Liability for Harm or Damage You Accidentally Cause

Rating: 4.5 stars


“Extremely responsive (replied within a few hours), understood my query exactly and provided the reply I was reaching out to. Thank you Grace!” – Min Hui Ng

ntuc income logo

4. NTUC Travel Insurance – Pre-existing Medical Conditions and Covid-19 


You never know what may happen during your trip, so NTUC travel insurance added Covid-19 as a benefit on top of their plans’ many features. Along with these is protection against any travel inconvenience. 

This may also include personal accidents, overseas medical expenses, travel delays, and damage to personal belongings. Travelers with pre-existing conditions can also benefit greatly from NTUC travel insurance plans’ comprehensive medical coverage.

You won’t have to spend your personal cash when you need medical treatment abroad since certain plans cover overseas hospitalization and outpatient treatments and expenses due to a pre-existing condition. Repatriation and medical evacuation are also included. 

Key Highlights:

  • Automatic Coverage for Pre-Existing Medical Conditions: NTUC Income’s Enhanced PreX plans offer automatic coverage for pre-existing medical conditions.
  • Post-Trip Medical Coverage: NTUC Income provides post-trip medical coverage for up to 30 days after returning to Singapore, ensuring continued medical support for illnesses or injuries sustained during the trip.
  • Overseas Hospital Cash Benefit: Policyholders can receive a daily cash allowance for each day of hospitalization while overseas, providing additional financial support during difficult times.
  • One-Call Emergency Assistance: NTUC Income offers a 24/7 emergency assistance hotline that policyholders can call for immediate help, including medical evacuation, repatriation, and other emergency services.


  • PreX Basic (starts at S$102.00)
  • PreX Superior (starts at S$128.00
  • PreX Prestige (starts at S$149.00)


  • Travel Delay
  • Trip Disruption
  • Baggage Delay
  • Personal Accident
  • Canceling Your Trip
  • Personal Accident
  • Losing Travel Documents
  • Medical Expenses Overseas
  • Overseas Hospital Allowance
  • Rental Vehicle Excess Cover
  • Loss/Damage to Personal Belongings
  • Coverage for Pre-existing Medical Conditions

Rating: 4.5 stars


“Easiest and most value for money. I was lucky I never had to claim but I heard there is not much issue although it takes awhile to process” – Bing Ru

msig logo

5. MSIG TravelEasy – High Limits On Emergency Medical Evacuation


MSIG Singapore, part of the MS&AD Group, offers the TravelEasy Insurance plan, acclaimed for its comprehensive benefits, including over 50 coverage types. This plan distinctively integrates COVID-19 protection for both Single Trip and Annual Plans, eliminating the need for extra purchases. 

It’s tailored to provide tranquility through coverage against travel cancellations, flight delays, and overseas medical costs, among others. MSIG’s commitment to quality insurance is evident in TravelEasy, designed to safeguard travelers comprehensively, allowing them to enjoy their travels with less concern.

Key Highlights:

  • Replacement of Traveler: MSIG’s TravelEasy plan covers the costs incurred for changing the traveler due to serious injury, illness, death, or similar circumstances affecting the insured person or their family members or travel companion 30 days prior to the trip.
  • High Limit Emergency Medical Evacuation: Across all TravelEasy plan types, emergency medical evacuation and repatriation coverage are provided up to a high limit of $1,000,000, ensuring adequate protection in case of medical emergencies.
  • Delayed Departure Coverage: MSIG’s travel insurance offers coverage for additional costs due to delayed departure caused by strikes, riots, natural disasters, or airport closures.


  • Standard Plan (starts at S$38)
  • Elite Plan (starts at S$52.50)
  • Premiere Plan (starts at S$74)


  • Trip cancellation 
  • Overseas medical expenses
  • Theft of or damage to your personal belongings
  • Personal liability while on your trip
  • Emergency repatriation
  • Travel Inconvenience Cover
  • Automatic extension cover

Rating: 4.2 stars


“I fell on an uneven sidewalk on my last day overseas, fracturing my 3 front teeth and abrasions on my face and knees. Tolerated the terrible pain to catch the flight back to seek medical treatment on arrival at the airport. The claim processing was fuss free and quick, my sincere appreciation to Ms Angie Yee from Claims Service.” – Joyce Yeo

tiq logo

6. Tiq Travel Insurance – Pre-existing Medical Conditions


Tiq travel insurance offers reliable plans at affordable prices. Regardless of what your needs are or the budget you set, they have a travel insurance policy tailored for you and your family members. It’s ideal, especially for those under a Pre-Ex Plan with pre-existing conditions.

Other highlights of their product include emergency medical evacuation, 24-hour travel support, flight delay benefits, and coverage of leisure activities. The travel insurance claim is hassle-free and made to be convenient since they send these via PayNow. 

When it comes to medical coverage overseas, you’re entitled to claim S$200,000 up to S$1,000,000 and $2,000 to S$3,000 for your bags and belongings. You can also have other add-ons, such as pet hotel cover and rental car excess cover.

Key Highlights:

  • Pre-Existing Medical Condition Coverage: Tiq offers an option to cover pre-existing medical conditions, which is not commonly found in other travel insurance policies.
  • Automatic Extension of Policy: In the event of unexpected travel delays, Tiq automatically extends the coverage for up to 10 days without additional charges.
  • Emergency Cash Allowance: Tiq provides an emergency cash allowance if travelers experience travel inconveniences such as baggage delays, giving immediate financial relief.
  • Flexible Plans: Tiq offers a range of plans, including single trip, annual, and family options, allowing travelers to choose the level of coverage that best suits their needs and budget.


  • TIQ Entry Plan (starts at S$21)
  • TIQ Savvy Plan (starts at S$29)
  • TIQ Luxury Plan (starts at S$39)


  • Travel Delay
  • Baggage Delay
  • Personal Liability
  • Personal Accident
  • Emergency Medical Evacuation
  • Medical Expenses Incurred Overseas
  • Trip Cancellation and Loss of Deposit
  • Overseas COVID-19 Diagnosis Quarantine Allowance

Rating: 4.6 stars


“I went to Turkey and got injured. It’s so easy to claim the money and hassle-free. It is also easy to transfer out the money to my own bank account.” – YoJessica

How to Choose the Best Travel Insurance: Important Features

Travel insurance policies come in different terms and conditions. Nowadays, it’s common for travel insurance companies to offer customized plans to travelers. However, if your insurance isn’t personalized, make sure it at least has the important features you’d need. 

Great travel insurance will have the following characteristics to insure you on several incidents as you get back to traveling.

  • Medical Expenses Coverage: Essential for covering potential medical costs including emergency care, medicines, doctor’s fees, and hospital charges. Options include:
    • Stand-alone medical insurance: Covers only medical and dental emergencies abroad.
    • Comprehensive travel insurance: Includes medical expenses among other risks like trip delays and lost documents.
  • Overseas Hospital Cash: Provides a fixed amount for non-medical expenses (e.g., phone bills, taxi fares) during hospital stays abroad, complementing medical coverage.
  • Ease of Claims: Look for policies with straightforward, hassle-free claim processes. Avoid plans with lengthy or complex procedures.
  • Price Range: Varies based on destination, travel duration, and coverage extent. Decide between basic or premium plans based on needs and potential additional costs.
  • Additional Features: Aside from your package travel insurance, you may find other value-added services useful. Having additional features on your travel insurance policy means added protection. Some additional features your travel insurance provider may offer are listed below:
    • Identity theft
    • Life insurance
    • Trip interruption
    • Hazardous sports
    • Rental car collision

What to Do if You Get COVID-19 During or After Your Trip?

If you contract Covid-19 during your trip, your travel insurance with Covid-19 benefits should be able to shoulder the expenses. It will pay for your hospitalization, doctor, medicines, lab tests, and other prerequisites for your full recovery. Of course, these will be subject to the terms and conditions of your purchased travel insurance plan. 

On another note, travel delay insurance will cover your expenses if you have to stay overseas beyond your return date due to Covid-19. Your insurer will provide you with an overseas quarantine allowance for your accommodation.

Depending on the terms, the plan may also cover other costs incurred while quarantined. The duration is typically seven days, but other travel policies can reimburse you up to 14 days past your return date. That said, ensure your policy has a decent daily benefit limit for a financially comfortable stay during this period.

Read Also: Top Insurance Companies in Singapore


Travel insurance gives you confidence that you’re protected during your trip abroad. Always choose the best plan for better coverage at just prices. Consider the process of travel insurance claims, too, in case certain events transpire and benefits from your policy are needed.

Key takeaways:

  • Allianz Travel Insurance is highlighted for its comprehensive medical coverage, including epidemic cases, with reimbursements up to S$50,000 for emergency medical incidents during trips​​.
  • FWD Travel Insurance is noted for its budget single trip plans, offering comprehensive coverage, with premiums starting at S$30 for their Premium Plan​​.
  • The article emphasizes the importance of pre-existing medical condition coverage, unlimited emergency medical evacuation, ease of claims, and flexible plans as key features to look for when choosing travel insurance

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