Are you a family of adventure seekers who can’t imagine their lives without travel, exploration, and new experiences? We can only imagine what an exciting life you live. After all, travelling is an incredible way to learn more about this life, explore the world, make breathtaking discoveries, and uncover amazing secrets hidden in various parts of our beautiful planet. Travel helps us get acquainted with other cultures and traditions, better understand other people – and even yourself – and expand our horizons. While travelling is primarily about positive emotions and precious memories, no one is safe from getting into unexpected situations. To prevent them from ruining your adventure – and to ensure your financial security in the event of unforeseen situations that happen before or during your trip – consider purchasing travel insurance. What is travel insurance? Which is the best travel insurance in Singapore? This time, the BusyKidd team invites you to discuss the vital topic of travel insurance and compare various travel insurances in Singapore. So, let us find the best travel insurance in Singapore that will help make your dream trip come true.
Related Reading: Check out our guides to Safra Tampines, Mandarin Gallery.
Travel Insurance
Travel insurance is a plan that provides financial protection if you face unforeseen events when you are travelling or on holiday. It covers a range of circumstances, such as emergency medical expenses, lost luggage, flight delays, trip cancellations, etc. – depending on the policies.
It is not always mandatory, but it is required by some countries for entry. Besides, it can also be necessary for certain activities, like cruises or winter sports. Moreover, it is highly recommended for all international travels, since it provides crucial financial protection against multiple unforeseen events.
Cases in which travel insurance is mandatory:
- Specific countries
- Visa requirements
- Activity-based insurance
As we have already mentioned, travel insurance covers a range of financial losses and risks from unexpected events. The specific coverage varies by policy, so you should check the details carefully.
What is covered?
- Emergency medical and dental expenses
- Medical evacuation
- Baggage delay, loss, or damage
- Trip delay, interruption, or cancellation
- Missed connection
- Identity theft
- Accidental damage to rental vehicles
- And other unforeseen circumstances
What is not covered?
- Pre-existing medical conditions
- Mental health conditions
- Routine pregnancy-related care
- High-risk sports and activities
- Illegal behavior
- Travel to restricted areas
- And other unforeseen circumstances
Always read policy documents carefully since the specific exclusions vary by providers.
As for the types of insurance. The choice is large and diverse – from single-trip and annual travel insurance in Singapore to medical, family, cruise, etc. – so let us group the types of policies which are most common in Singapore according to certain criteria.
The Most Common Types of Travel Insurance in Singapore
- Based on Trip Duration and Frequency:
- Single-trip
- Annual travel insurance in Singapore (multi-trip)
- Long-stay
- Based on Travel Type:
- Individual
- Family
- Student
- Senior Citizen
- Medical
- Comprehensive
- Based on Destination and Activity:
- International
- Schengen
- Adventure sports
- Winter Sports
- Cruise
Where can you purchase travel insurance?
- Buy direct from a wide range of providers in the Little Red Dot.
- Banks
- Travel agents
- Get help from insurance brokers.
- Browse travel insurance comparison websites to find the best deals. We highly recommend using at least a couple of websites, as they may use different criteria or cover different providers. And remember that the cheapest travel insurance in Singapore is not always the best.
- Other options
How to choose the right policy for your upcoming adventure?
- Check the coverage amount.
- Clarify the territory of coverage.
- Choose a reliable provider.
- Ensure that the policy meets all your needs and requirements.
- Do not skip the travel insurance comparison in Singapore.
Several common mistakes to avoid when buying the plan:
- Choosing the cheapest travel insurance in Singapore with minimal coverage
- Incorrect trip dates
- Not declaring pre-existing medical conditions
- Ignoring exclusions
- Not covering planned activities
- No copy of the policy during the trip
Let us move on to several of the best policies you can opt for in Singapore.
The Best Travel Insurance In Singapore
Allianz Travel Insurance
Image Credit: Allianz-assistance.com.sg
Allianz Travel Insurance in Singapore is one of the city’s most trusted providers. The company offers multiple plans of extra protection for all possible cases, whether you are a family planning your next vacation, a businessman or businesswoman heading on a trip, or a frequent traveller filled with wanderlust. The company’s policies are designed to meet all travellers’ needs and expectations and protect them against unforeseen circumstances, such as medical emergencies (including COVID-19), trip cancellations and interruptions, lost and delayed baggage, and others.
Why is Allianz among the most popular providers in The Lion City? This company is well-known and well-trusted because it ensures great medical coverage, 24/7 global assistance, and paperless online claims. The plans also offer sports activity protection, search and rescue coverage, and other benefits.
Allianz has a user-friendly online platform with a possibility of travel insurance comparison that will help you choose the best travel insurance in Singapore. Compare the coverage options, get answers to all your questions, and purchase your ideal policy hassle-free.
The company offers travel insurance promotions in Singapore, so you can always benefit from pleasant discounts and special offers on selected policies.
Allianz has Allianz Travel Protect with three plans available: Basic, Silver, and Platinum.
- The Basic Plan is designed for essential travel and medical coverage only.
- The Silver Plan ensures well-balanced coverage for almost all types of travel.
- The Platinum Plan includes an extensive range of travel protection.
All the plans mentioned above may cater to different needs: for single-trip, family travels, and annual multi-trip options.
- The Single Trip Plan is a great variant for adventurers looking for a short getaway or occasional travellers.
- The Family Plan is an excellent option for a family heading on its fascinating adventure. This plan offers cover for you and your family members travelling with you (a maximum of 2 adults).
- Annual Travel Insurance in Singapore is an opportunity for frequent travellers to ensure coverage for every trip throughout the entire year (with a maximum of 90 days per trip). The best option for those who plan more than 3 adventures per year.
The choice of Allianz plans is carefully thought out to suit different needs and budgets. Everyone will easily find an ideal variant.
AIG Travel Insuarance
Image Credit: Aig.sg
AIG Asia Pacific Insurance is one of the largest General insurance companies in the Little Red Dot – and one of the most experienced providers with over 70 years of history and many happy customers who have already benefited from the company’s wide selection of products and innovative solutions.
AIG Travel Insurance in Singapore offers various plans with great advantages, such as high overseas medical coverage, unlimited emergency medical evacuation, 24/7 assistance for policyholders, and others. The policies also cover trip cancellations, personal accidents, and loss of personal belongings.
The provider has options designed for both leisure and frequent travellers. You can choose from three tiers – Classic, Superior, and Premium.
AIG Plans
- Based on Trip Duration and Frequency:
- A plan for single trips, with the maximum length of each insured trip of 182 days
- Annual travel insurance in Singapore for an unlimited number of trips with the maximum length of each insured trip of 90 days.
- Policy Types:
- Individual
- Family
- Group/Couple – for up to a maximum of 50 individual policies on the same transaction.
AIG’s Superior and Premier plans also cover loss of sporting equipment. The company’s Premium plan covers you for up to S$2,500,000 in overseas medical expenses, which is the highest in the market. COVID-19 coverage is a part of the standard benefits for all plans.
AIG never stops to surprise its customers with various promotions that offer amazing deals, discounts, special terms, and more.
Chubb Travel Insurance
This company is deservedly considered among the global leaders in the provision of travel insurance products and services – and for a good reason. Chubb travel insurance in Singapore offers a comprehensive, customisable cover for both individual adventure seekers and families exploring the world. Up to $2 million for overseas medical expenses, including traditional Chinese medicine and hospital confinement advantages, compensation for trip cancellations or interruptions, flight and baggage delays, compensation for loss or damage to personal property, baggage, and money, and many other benefits offered by the company will help travel smarter and stress-free.
Chubb has developed 4 plan options with customisable advantages to meet all requirements, needs, destinations, and budgets.
Chubb Plan Types:
- Saver – the cheapest travel insurance in Singapore with basic coverage. An ideal option for those heading to Batam, Bintan, and Malaysia.
- Economy – a starter plan for adventures in all parts of the planet (excluding Cuba) with high coverage limits.
- Business – popular among both leisure and business travellers. It ensures great benefits and cover limits.
- First – provider’s most comprehensive plan with an extensive range of cover and the highest limits.
You can also choose from the following cover types.
Chubb Cover Types:
- Individual
- Couple
- Family
- Group
Whether you are organising a single trip or have many adventures planned for this year, Chubb has a variant for your case. You can opt for a Single Trip Plan or an Annual Trip Plan.
It is important to note that Chubb also provides specialised options, such as coverage for specific activities, like adventurous sports, skiing, and lifestyle-related events.
The company always has something to surprise its customers, including various deals, discounts, and more. And from 1 October to 1 December 2025, you can participate in the biggest Chubb Travel Insurance Lucky Draw of the year and save up to 30%. Cool lucky draw prizes are also guaranteed.
Etiqa Travel Insurance
Are you planning a short but eventful getaway? Heading for the business convention? Dream about a mind-blowing adventure of your lifetime? Etiqa Travel Insurance in Singapore has got you covered. The company offers comprehensive coverage with overseas medical expenses, trip cancellations, and personal accident cover included. Its highlights feature COVID-19 protection, automatic payouts for flight delays of over 3 hours, coverage of pre-existing medical conditions on some plans, and others. The 24/7 worldwide assistance is provided as well.
Affordable Etiqa Plans:
- Travel Infinite Plan with Classic, Deluxe, and Suite options
- Tiq Travel Insurance with Entry, Savvy, and Luxury options
Tiq Travel Insurance also has Pre-Ex plans that cover pre-existing medical conditions, such as diabetes, asthma, epilepsy, and others. That is, you can choose from Non Pre-Ex Entry, Savvy, and Luxury Plans, as well as Pre-Ex Entry, Savvy, and Luxury Plans.
From cheap travel insurance in Singapore for a single trip to the best annual travel insurance in Singapore – there is a variant for every occasion.
Customers can take advantage of multiple promotions, including sales, discounts, and more. Stack & Save Bundle Promotion, Tiq Travel Promo: 50% off, Refer and Earn – which promo will you use this time?
FWD Travel Insurance
FWD Travel Insurance in Singapore offers comprehensive protection at an affordable price. It covers medical emergencies, travel inconveniences like delays and lost baggage, and various add-ons. The key highlights include unlimited emergency medical evacuation, cashless treatment options in Singapore, convenient digital access to policy management, easy-to-use FWD SG application, and others. 24/7 emergency assistance is available while overseas. You can also customise your coverage with such features as Pre-existing Medical Conditions cover, Cancel For Any Reason cover, enhanced COVID-19 cover, and more.
FWD Plans:
- Premium
- Business
- First
All plans are available for both single-trip and multi-trip insurance variants. You can purchase all plans for a single traveller, a couple, a family, or a group.
FWD always has delightful promotions and surprises for its customers. Check their availability on the official website. Currently, you can use promo code FWDTRAVEL to get 30% off for Single Travel and 25% off for Annual Travel.
Your hassle-free dream adventure is much closer than it might seem.
MSIG Travel Insurance
For the best travel insurance in Singapore that provides comprehensive coverage, multiple key features, an affordable price, and a selection of plans to meet all requirements, head to MSIG. MSIG policies are easy to buy online in the comfort of your home. The company provides a 24/7 hotline and a simple claim submission. Besides, MSIG always has various promotions for its customers to enjoy.
MSIG Cover Types
- Cover for Trip:
- Single Return Trip
- Annual Plan
- Cover for Travellers:
- Individual
- Group
- Adult and Children
- Family
Have you already chosen appropriate cover types? Now you can apply them to three MSIG plans to choose from.
MSIG Plans
- TravelEasy with four main plan tiers:
- Lite Plan Single return trip only
- Standard Plan
- Elite Plan
- Premier Plan
- TravelEasy Flex is an affordable variant that allows some customisation.
- TravelEasy Pre-Ex is a specialised variant for customers with pre-existing medical conditions. Available for single trips.
What promotions are available as of today?
- Enjoy 50% Off the Single Trip and 20% off the TravelEasy Annual Plan!
- Enjoy 50% Off the Single Trip and 15% off the TravelEasy Flex Annual Plan!
No matter your destination, you will have strong protection with MSIG.
Income Travel Insurance
This company offers a comprehensive yet affordable coverage for your adventures, whether you are preparing for a family vacation, planning an active holiday with skiing, skydiving, bungee jumping, and other thrilling activities, or just seeking some ‘me time’ while discovering the incredible wonders of our beautiful world. Income’s plans protect its customers from medical expenses, trip cancellations, travel delays, baggage loss, and other unexpected events. 24/7 Medical Emergency Hotline, family cover, sea travels (including cruises to nowhere), optional pre-existing condition coverage, and other highlights make it a reliable option for all Singaporeans.
Income Plans
- Standard Plans:
- Classic
- Deluxe
- Preferred
- Enhanced PreX Plans (covers pre-existing medical conditions):
- Enhanced PreX Basic
- Enhanced PreX Superior
- Enhanced PreX Prestige
You can decide on a per-trip or annual plan.
What about Income promotions? The company offers plenty of them – and you may be sure that pleasant surprises never end. As of today, you can enjoy the following promotions:
- Enjoy 50% off + receive a limited edition Miffy Luggage with Standard Per-trip Travel Insurance.
- Enjoy 20% off + Income’s 55th Anniversary Edition of The Singaporean Dream Card Game with Yearly Travel Insurance.
- Enjoy 15% off + receive a limited edition Miffy Luggage with Enhanced PreX Per-trip Travel Insurance.
No one will leave Income empty-handed!
Important Things To Consider When Buying Travel Insurance
- Be honest about your medical history.
- Make a decision based primarily on the policy’s coverage but not price, since the cheap travel insurance in Singapore is not always the best one.
- Pay attention to the duration of your policy – to make sure it covers the entire duration of your trip.
- Read carefully what is written in fine print.
- During your travel insurance comparison, watch out for the excess.
- Check the limits.
- Choose variants with 24/7 assistance.
- Check customers’ reviews.
We suppose now you know why it is essential to buy travel insurance in Singapore, and that our travel insurance comparison will help you choose the most suitable option.
Whether you are always on the go or are planning a much-anticipated trip with your family, friends, or just with yourself, be sure to consider buying travel insurance.
So, what is your next travel destination?
Image Credit: Depositphotos
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