best annual travel insurance singapore 2022

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Exploring Singapore: What is the Best Month for a Vacation?

Singapore is one of the most popular tourist destinations in the world, and it’s easy to see why. With its vibrant culture, stunning architecture, and delicious cuisine, it’s no wonder that so many people flock to this Southeast Asian country every year. But when is the best time to visit Singapore? Let’s explore what month is best for a vacation in Singapore.

Weather Conditions

When planning a trip to Singapore, it’s important to consider the weather conditions. The climate in Singapore is tropical, with temperatures ranging from 24°C (75°F) to 32°C (90°F). The months of June through August tend to be the hottest and most humid, while December through February are slightly cooler and drier. However, no matter what time of year you visit, you can expect some rain as Singapore has a high annual rainfall.

Festivals and Events

Singapore is home to a variety of festivals and events throughout the year. One of the most popular events is Chinese New Year, which takes place in January or February depending on the lunar calendar. During this time, you can expect colorful parades and fireworks displays as well as traditional lion dances and other cultural performances. Other popular festivals include Thaipusam (February/March), Vesak Day (May), Hari Raya Puasa (June), National Day (August 9th) and Deepavali (October/November).

Cost Considerations

The cost of your vacation will also depend on when you choose to visit Singapore. Generally speaking, peak season runs from June through August when temperatures are at their highest and there are more festivals taking place. During these months, hotels tend to be more expensive as they are in high demand. If you’re looking for cheaper accommodation options, consider visiting during the off-season from November through February when prices tend to be lower.

Overall, there isn’t one “best” month for a vacation in Singapore – it all depends on your personal preferences and budget considerations. If you’re looking for warm weather and plenty of festivals and events to enjoy, then June through August may be your best bet. However, if you want to save money on accommodation costs then November through February may be more suitable for you. No matter what time of year you decide to visit Singapore, you’re sure to have an unforgettable experience.

This text was generated using a large language model, and select text has been reviewed and moderated for purposes such as readability.

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How to Find Postal Codes in Singapore

Do you have plans to travel to Singapore or relocate? Would you like to send letters to a pen pal? In any of these scenarios, the need for a Singapore postal code becomes a requirement. Fortunately, it’s possible to learn how to find postal codes in Singapore using the following guidelines.

Why Do We Need a Postal Code for Singapore?

Postal codes provide a considerable amount of information, mainly if you’re using the street directory Singapore as the postal code will likely help you reach your destination. In Singapore, they typically refer to postal codes as a post code. They’re six-digit codes that are assigned to specific geographic areas. However, some institutions or individual addresses that receive a significant amount of mail will have a separate code. For example, a commercial company or government agency may have a separate post code.

Search for Post Codes by District

Today’s post codes use a six-digit system. However, the first two digits reveal which district in which it’s located. Singapore is divided into twenty-eight districts. Each district has between one and six two-digit codes. For example, High Street and Beach Road (part) have one postal code. However, Raffles Place, Marina, Cecil and People’s Park has six tw0-digit post codes. You can use PropertyGuru Singapore’s website to see a listing of these districts, as well as the corresponding two-digit codes.

Use a Search Tool

Many websites are available that will help you find postal codes, like Street Directory Singapore, for example. If you know the street name you’re looking for, but not the postal code, you can use these search tools to help you receive a Singapore result. These websites will help you find streets, postal codes, companies, and search by interest. That way, you can continue narrowing your results until you find the postal code you need.

Check with a Housing Authority

Otherwise referred to as housing expects, these directories provide a significant amount of information about the districts in Singapore. In addition to learning about the postal code system, you can also use these directories for house hunting or searching for other properties throughout the region.

Contact the Singapore Post Office

If you don’t have any luck with searches or by looking at individual districts, your best recourse is to contact the post office in Singapore. In addition to accepting phone calls during regular business hours Monday through Friday, they’re closed Saturdays and Sundays; they also accept inquiries through the mail. They have a virtual assistant on their website that will answer questions, as well as popular help topics that can assist you in answering your postal code questions.

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Get the Best Travel Insurance in Singapore 2023

Compare travel insurance plans in Singapore on MoneySmart to get the best deal to cover you against lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.

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Starr TraveLead Comprehensive Bronze

[ Score up to $35,000   | FLASH DEAL | Receive your cash as fast as 30 days*]   Get up to S$65 worth of cash/rewards*  while enjoying  35% off*!   Don't miss out on this amazing opportunity to receive a S$10 iShopChangi voucher* with every travel policy purchased (no min. spend).  

Apply now and be automatically enrolled into our Wowza Travel Bonanza , where you stand a chance to win over S$35,000 in prizes , including the latest Apple Products!  T&Cs  apply.   Additionally, receive an  Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs  apply.

Are your trip details correct?

Destination: Thailand

Duration: 06 Nov 2023 - 08 Nov 2023

Total Premium

MSIG TravelEasy Standard

[ Score up to $35,000   | FLASH DEAL | Receive your cash as fast as 30 days*]   Get up to S$60 worth of cash/rewards*  while enjoying up to   45% off* !   Don't miss out on this amazing opportunity to receive a S$10 iShopChangi voucher* with every travel policy purchased (no min. spend) .   Apply now and be automatically enrolled into our Wowza Travel Bonanza , where you stand a chance to win over S$35,000 in prizes , including the latest Apple Products!  T&Cs apply.     Additionally, receive an  Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs  apply.

FWD Premium

[ Score up to $35,000 ]  

Get S$20 iShopChangi e-vouchers*  while enjoying up to 35% off* !    Apply now and be automatically enrolled into our Wowza Travel Bonanza , where you stand a chance to win over S$35,000 in prizes , including the latest Apple Products!  T&Cs apply.    Additionally, receive an  Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs  apply.

DirectAsia DA150

[ Score up to S$35,000 | Receive your cash as fast as 30 days*]

Get up to S$40 worth of cash/rewards*  while enjoying up to 40% off* !      Apply now and be automatically enrolled into our  Wowza Travel Bonanza , where you stand a chance to win over S$35,000 in prizes , including the latest Apple Products!  T&Cs   apply.      Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

Singlife Travel Lite

[FLASH DEAL]   Get S$10 iShopChangi e-vouchers* while enjoying 25% off* !   Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

   PLUS enjoy 6 months of FREE Heatstroke Insurance* from Singlife with any Single Trip Travel Insurance purchased!  T&Cs  apply

AIG Travel Guard® Direct - Basic

[Receive your cash as fast as 30 days*]   Get up to S$70 worth of cash/rewards*  while enjoying 20% off*!

  Additionally, receive an  Eskimo Global 1GB eSIM*  worth USD7 (no min. premium required)!  T&Cs  apply. 

Allianz Travel Silver

[Receive your cash as fast as 30 days*]   Get up to S$50 worth of cash/rewards* while enjoying 40% off* any Allianz Travel Insurance plans! T&Cs apply.

Bubblegum Travel Insurance

[Receive your cash as fast as 30 days*]   Get up to S$45 worth of cash/rewards* while enjoying 10% off* !   Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

Starr TraveLead Comprehensive Silver

Msig traveleasy pre-ex premier.

Total Preium

Sompo Travel Insurance Superior

Starr TraveLead Essential Bronze

Msig traveleasy elite, directasia da200, aig travel guard® direct - standard, allianz travel bronze, fwd business, starr travelead essential silver.

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Here are 3 simple steps to submit your travel insurance claim

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).

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.

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.

What customers are saying about our Travel Insurance (From Google Reviews)

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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!"

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"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."

Best Travel Insurance Plans Singapore 2023

We asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

Best Travel Insurance Plans in Singapore Benefits Coverage

Is japan open for travel.

Since 29 April 2023, COVID-19 vaccination certifications, pre-departure and on-arrivals tests are no longer required! Get ready for your next trip by checking our helpful guide.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

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 insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

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.

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 Australia .

What Do Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Travel Insurance Claims

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.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, 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?

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

Starr TraveLead Comprehensive Silver

Med. Coverage (Overseas) Follow-up Medical Treatment Follow-up Medical Treatment is applicable when the first treatment was sought outside Singapore by a doctor as defined under the policy

Total Premium Total Premium S$56.40 35% Off

[ Score up to $35,000 worth of gifts   | Receive your cash as fast as 30 days*] Get an Apple Air Tag (worth S$45) OR  up to S$40 Cash via PayNow* AND up to S$20 iShopChangi e-vouchers* while enjoying up to 35% off* !   PLUS stand to receive over   S$35,000 worth of gifts , featuring the latest Apple Products when you purchase an eligible Travel Insurance. T&Cs apply.   Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included

Covid 19 Trip related cancellation/curtailment up to $250 SGD included

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Starr’s travel insurance is called Starr TraveLead Comprehensive , and they’re certainly a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you S$500,000 overseas medical coverage, as well as $250 coverage for COVID-19 related trip curtailments and cancellations—let’s face it, these things may happen. You won’t get this coverage in the Bronze plan, so go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans—Standard, Elite, and Premier. The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam

Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A

Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

Trip cancellation, postponement, shortening, disruption

Replacement of traveller

Overseas medical expenses

Emergency medical evacuation

Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers—Lite, Plus, and Prestige. The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : S$250 (S$50 per visit) for Lite, S$500 (S$75 per visit) for Plus, and S$1000 (S$100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

Emergency medical evacuation, repatriation

Overseas quarantine allowance

Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

7. DBS Chubb Travel Insurance

DBS travel insurance is one of the most popular travel insurance plans in Singapore. It’s underwritten by Chubb, which has great worldwide reputation and recognition as the world’s largest publicly traded property and casualty insurance company.

Do not mistake DBS Chubb Travel Insurance for the free complimentary travel insurance that you get from your DBS Treasures credit cards. (Also check out our review of DBS credit cards’  free travel insurance plans.)

Here’s what you get with the three-tiered DBS Chubb Travel Insurance:

Like Singlife, Chubb travel insurance also covers you for traditional Chinese medicine treatment overseas. It’s $750 across all their plan tiers.

Chubb travel insurance plans automatically include COVID-19 coverage for the following:

Trip cancellation, curtailment

Overseas hospitalisation cash benefit

Overseas quarantine cash benefit

The Chub travel insurance plans are very comprehensive, generally offering coverage that is comparable to or slightly higher than what other providers offer. This is especially for their overseas medical expenses, which start at $300,000.

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, assuming you add on a COVID rider if necessary, the honour of cheapest travel insurance in Singapore goes to… Starr travel insurance .

35% Off Total Premium S$25.20

Starr TraveLead Essential Bronze

Total Premium Total Premium S$25.20 35% Off

[ Score up to $35,000 worth of gifts   | Receive your cash as fast as 30 days*] Get an Apple Air Tag (worth S$45) OR  up to S$40 Cash via PayNow*  AND  up to S$20 iShopChangi e-vouchers* while enjoying up to 35% off* !   PLUS stand to receive over   S$35,000 worth of gifts , featuring the latest Apple Products when you purchase an eligible Travel Insurance. T&Cs apply.   Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

Personalise your travel insurance-Flexible coverage allows you to create a travel insurance plan with different types of coverage and addon that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $15,000 SGD included

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

Looking first at non-COVID coverage, STARR’s overseas medical expense limit of $200,000 is similar to that of other providers. FWD’s lowest tier also comes with a $200,000 overseas medical expenses limit.

Next, we take a look at COVID-19 coverage. STARR’s Bronze tier doesn’t cover you for COVID-related trip cancellations, but does give you $15,000 medical coverage for COVID-19. STARR’s next tier, Silver, will cost you $46 for $250 reimbursement should you have to cancel your trip due to COVID-19. You may be better off with AMEX, Bubblegum, or FWD—these come with higher COVID coverage for less.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage toCOVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now, as travel restrictions get lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are three things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after travel?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim, you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

The post 6 Best Travel Insurance with COVID-19 Coverage in Singapore (2023) appeared first on the MoneySmart blog .

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• Best Travel Insurance in Singapore 2023

Our travel insurance experts collected hundreds of data points from 20 travel insurers in Singapore to find out which plans are worth your money. Use our guide below to find and buy the best or cheapest travel insurance policies that are currently available. Compare policies by region of travel and different benefits like travel inconvenience, medical and sports coverage.

COVID-19 and Travel : While Singapore and certain neighboring countries are seeing success in decreasing COVID-19 transmission and are opening up their international borders, please note that COVID-19 transmission is still persisting in many countries. Therefore, we recommend following the Ministry of Health's travel advisories ; following all pre- and post-travel guidelines at your destination and upon return to Singapore; and buying travel insurance that provides coverage for COVID-19.

• Allianz Travel Silver : Offers above average trip inconvenience coverage
• Singlife : Has most flexible coverage; MINDEF/MHA customers have additional 30% off
• Income Classic : Plan focusing on medical benefits, priced competitively for ASEAN trips
• Allianz Travel Platinum : Double the industry average trip inconvenience coverage (S$42,900 of total benefits)
• Aviva Prestige : Option to cancel plan for any reason; Unlimited medical coverage; customization options
• MSIG Premier : Good for high coverage for families; coverage for pregnancy-related illnesses
• MSIG Pre-X : Good for option for elderly; 20% cheaper than Income
• Income PreX : More expensive than MSIG but higher benefit limits for medical and trip inconvenience
• FWD Premium : Good budget option for cruise takers and adventurous travellers
• HL Assurance Basic : Above average trip inconvenience coverage for price point
• Etiqa Basic : Cheapest plan that provides comprehensive coverage
• Budget Direct : 60% cheaper than average for global plans
• Allianz Travel : 40-45% cheaper than average
• Wise Traveller : Costs 30% below average, good value for global travel
• Budget Direct : Cheapest annual travel insurance plans

Looking for the best travel insurance in Singapore?

To find the best travel insurers in Singapore, looked through dozens of travel insurance plans to find which ones offered the best benefits for the most competitive premium. To find the cheapest plans, we analysed basic plan premiums for a 1-week trip to the ASEAN, which include insurer promotions.

• Highest Value Plans Aviva, Allianz Travel & more
• Highest Coverage Plans Aviva, Allianz Travel, MSIG
• Best for Pre-X Conditions Income, MSIG
• Cheapest Plans FWD, Etiqa & more
• Best Annual Plans Budget Direct & more
• FAQ Learn more

Best Value Travel Insurance in Singapore

• Allianz Travel : Single/ Annual Plan: Use Promo Code "TRAVEL40" to get 40% discount + Get Up to S$40 Rewards via PayNow when you buy NOW!
• . *** You will be directed to purchase via AMTD PolicyPal Website.

For those people looking for the best combination of price and benefits in travel insurance, we recommend Allianz Travel's Silver plan, Singlife's Travel Plus plan or Income's travel insurance if you need COVID-19 coverage. Their competitive prices coupled with above-average benefits means they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week ASEAN trip has an average cost of S$44, these four plans cost between S$24-S$60 while also having above average trip inconvenience and medical coverage.

Allianz's Silver plan is great for people who prioritise travel inconvenience coverage such as flight delays, cancellation and lost baggage benefits. Allianz also provides coverage for pandemics and endemics, meaning you can get covered for things like cancelling your trip and medical treatment if you or someone related to you contracted COVID-19. Thus, though it is certainly not the cheapest plan on this list, it provides benefits that are most relevant in this climate and is well worth the price.

Out of the four, Singlife has the most flexible coverage and will allow you to get reimbursed for loss of frequent flyer points, motorcycling accidents, and extreme winter/water sports. It also boasts generous medical coverage. While not the cheapest, it becomes especially competitive for MINDEF/MHA customers as they will get an additional 30% off on top of any ongoing promotion.

Income offers above average medical coverage and average coverage for trip inconvenience benefits like trip cancellation, delays and baggage loss. However, Income's value comes from its up to US$100,000 medical expense coverage and US$100,000 evacuation coverage if you were diagnosed with COVID-19 during your trip (provided you did not travel to a high risk nation ). Please note coverage will only be in effect if you took the mandatory pre-departure COVID-19 PCR test 72 hours before your trip. All in all, if you are looking for affordable ASEAN trip coverage with a focus on medical coverage, Income will be a good option.

• Single/ Annual Plan: Use Promo Code "TRAVEL40" to get 40% discount + Get Up to S$40 Rewards via PayNow when you buy NOW!

For those people looking for the best combination of price and benefits in travel insurance, we recommend Allianz Travel's Silver plan, Singlife's Travel Plus plan or Income's travel insurance if you need COVID-19 coverage. Their competitive prices coupled with above-average benefits means they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week ASEAN trip has an average cost of S$48, these three plans cost between S$27-S$50 while also having above average trip inconvenience and medical coverage.

Out of the three, Singlife has the most flexible coverage and will allow you to get reimbursed for loss of frequent flyer points, motorcycling accidents, and extreme winter/water sports. It also boasts generous medical coverage. While not the cheapest, it becomes especially competitive for MINDEF/MHA customers as they will get an additional 30% off on top of any ongoing promotion.

Travel Insurance with the Best Coverage & Benefits

• Allianz Travel: Single/ Annual Plan: Use Promo Code "TRAVEL40" to get 40% discount + Get Up to S$40 Rewards via PayNow when you buy NOW!
• MSIG: Exclusive Promotion: Get Up to S$30 Rewards via PayNow and 45% discount when you buy a Single Trip Plan NOW! T&Cs Apply.

If you are relatively insensitive to price and are looking for a travel insurance plan with maximum coverage, we think Allianz’s Platinum Plan, Singlife's Travel Prestige Plan and MSIG's TravelEasy Premier Plan could be great options. Though they can be pricey, they are still priced competitively to other premium travel insurance plans on the market, while providing the leading benefits for travel inconvenience, medical or personal accident claims, respectively.

Allianz Platinum offers the most trip inconvenience coverage, making it ideal for travellers concerned about flight delays or lost baggage. As a point of reference, 60% of travel insurance claims are related to travel inconvenience, meaning this plan will provide valuable coverage. Lastly, it also offers two unique coverages for the current climate-pandemic coverage and cruise coverage. For instance, you may be able to claim for a trip cancellation if you or someone you know contract COVID-19 before your trip. Cruise travellers will also receive some of the best benefits on the market, like a cabin confinement benefit, a missed port of call benefit or a cruise coverage boarding denial benefit.

Singlife Prestige is recommended for travellers who care most about medical benefits, like to personalise their coverage, or who want to have the option to cancel their trip for any reason. Aviva also has a lot less exclusions than the average travel insurance plan, as it lets you purchase optional coverage for a variety of things from extreme sports to weddings.

Both Allianz and Aviva are also good options to consider if you will be going on a cruise, provided your departure port is from Singapore.

Lastly, MSIG TravelEasy Premier can be a great travel plan for families who want a wide variety of coverage without paying extra for it. For instance, MSIG's coverage automatically includes everything from rental car excess coverage to adventurous activities to wedding dress coverage. You will also be covered for pregnancy-related illnesses such as nausea and giddiness, which is a fairly unique feature considering other plans typically only cover pregnancy-related emergencies.

If you are relatively insensitive to price and are looking for a travel insurance plan with maximum coverage, we think Allianz Travels’s Platinum Plan, Singlife's Travel Prestige Plan and MSIG's TravelEasy Premier Plan could be great options. Though they can be pricey, they are still priced competitively to other premium travel insurance plans on the market, while providing the leading benefits for travel inconvenience, medical or personal accident claims, respectively.

Best Travel Insurance for Pre-Existing Medical Conditions

If you have pre-existing medical conditions and cost is not an issue, Income's Enhanced PreX travel insurance plans may be a good fit. Despite its 50% deductible if you claim for travel inconvenience (only available for the Prestige and Superior plans), it is currently only one of 3 insurers on the market who offer coverage for pre-existing conditions for you and your family members. Unfortunately, the Enhanced PreX plans can be quite pricey, with premiums for a 1-week ASEAN trip costing S$86 — almost 3x as much as the basic plan average.

Single travellers on a budget may save a bit more with MSIG's PreX Premier plan, which costs around 20% less than Income for a 1-week ASEAN trip. It can also be a good option for the elderly as there is no age limit for purchasing the plan. You can expect up to S$150,000 of medical coverage and S$200,000 of medical evacuation coverage due to your pre-existing condition. However, you should note that you can not buy an annual version of this plan.

Cheapest Travel Insurance for ASEAN Destinations

• HL Assurance: Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice

We found Etiqa and HL Assurance offer the cheapest travel insurance plans for ASEAN travel. Their travel insurance policies only cost about S$22 to S24 for 1-week coverage in ASEAN, which is 30-40% lower than the industry's basic plan average of S$35. However, that's not to say their cheap prices mean modest coverage, as these four options also provide comprehensive benefits.

Etiqa's Tiq travel insurance offers cheap but high value travel insurance plans due to its generous ongoing promotions. It costs 35% less for ASEAN trips than with other insurers with its Basic plan. However, its total trip inconvenience coverage is the lowest of the four, so it may not be the best choice for those who want high coverage for things like flight delays, cancellations and lost baggage. Despite this, it can be a handy plan for budget travellers who want coverage for adventurous activities without having to pay extra.

HL Assurance travel insurance offers all-encompassing coverage for below average prices. It also includes useful benefits like home contents, rental car excess and travel agency insolvency coverage. HL Assurance's trip inconvenience coverage is also one of the highest for the price point, making it a competitive option for travellers looking to protect their belongings and itinerary.

We found Etiqa and HL Assurance offer the cheapest travel insurance plans for ASEAN travel. Their travel insurance policies only cost about S$22 to S24 for a 1 week coverage in ASEAN, 30-40% lower than the industry's basic plan average of S$35. However, that's not to say their cheap prices mean modest coverage, as these four options also provide comprehensive benefits.

Etiqa's Tiq travel insurance offers cheap but high value travel insurance plans due to its generous ongoing promotions. It costs 35% less for ASEAN trips than with other insurers with its Basic plan. However, its total trip inconvenience coverage is the lowest of the 4, so it may not be the best choice for who want high coverage for things like flight delays, cancellations and lost baggage. Despite this, it can be a handy plan for budget travellers who want coverage for adventurous activities without having to pay extra.

HL Assurance travel insurance offers all-encompassing coverage for below average prices. It also includes useful benefits like home contents, rental car excess and travel agency insolvency coverage. Its trip inconvenience coverage is also one of the highest for the price point, making it a competitive option for travellers looking to protect their belongings and itinerary.

Cheapest Travel Insurance for Asia Destinations

For trips in Asia (outside of ASEAN) to locations like Taiwan, Korea or Japan, we found thatFWD, HL Assurance and Etiqa generally offered the most competitive prices. Their single trip plans cost only about S$23 to S$27 for a 1-week trip to Asia, compared to the average price of S$45 for all of the basic plans in our sample.

Similar to our discussion for ASEAN trip policies, FWD's Premium plan is a good option to consider if you are planning on going on a cruise around Asia and want cheap but comprehensive trip coverage. It is also good for adventurers and those looking to maximise value for money as there are very little exclusions and above average coverage for trip cancellations, baggage delays and curtailment.

HL Assurance does not have outstanding coverage in one area or another compared to the other four plans, but it does provide solid benefits for a very competitive price. For instance, while it offers below average medical expense coverage, it does offer one of the highest per baggage item loss benefits.

Etiqa's Tiq Travel Insurance will consistently be one of your cheapest travel insurance options, especially if you are purchasing a plan on Fridays. In addition to offering comprehensive coverage for extreme activities like winter sports, Tiq also gives you the option to insure your sports equipment for an extra S$14, making it a good choice for budget adventurous travellers.

For trips in Asia (outside of ASEAN) to locations like Taiwan, Korea or Japan, we found that FWD, HL Assurance and Etiqa generally offered the most competitive prices. Their single trip plans cost only about S$23 to S$27 for a 1-week trip to Asia, compared to the average price of S$45 for all of the basic plans in our sample.

Cheapest Travel Insurance for Global Destinations

The cheapest travel insurance plans for worldwide travel (i.e. Europe, America, Africa, etc.) are the same as the were for ASEAN and Asia trips: FWD's Premium, HL Assurance Basic, Budget Direct Basic and Etiqa Basic.

FWD and Etiqa are great options because of their combination of affordability and generous benefits. For instance, adventurous travellers will benefit from FWD and Etiqa's Tiq Travel Insurance, which offers low prices but comprehensive coverage for a variety of adventurous activities including skiing and hiking (within limits). 1-week premiums for both single trip plans cost around 40% below average compared to other basic travel insurance plans on the market.

HL Assurance offers some of the highest trip inconvenience (cancellations, trip delays, baggage loss, etc.) coverage for the price point, making it beneficial for travellers going to brand new destinations. It also offers useful benefits like home contents, rental car excess and travel agency insolvency coverage. Despite the plethora of coverage, HLAS travel insurance consistently costs below average.

Budget Direct's Basic Plan tends to be the cheapest travel insurance plan on the market, though its benefits are also the lowest. For example, it costs around 60% below average and offers only S$900 of trip inconvenience (made up of personal belongings coverage) and S$50,000 of medical coverage. Because of its below-average coverage compared to more comprehensive plans, it is a good option for people going to familiar destinations to visit family or friends and only want emergency medical coverage.

Best Annual Travel Insurance Plans

Annual travel insurance insures your trips year-round, as long as your destination is within your insurance coverage. Given that 1-week coverage usually costs about S$40 to $70 depending on the region, we recommend getting an annual insurance for people who travel more than 5-6 times per year . Below, you'll find our top picks based on cost and value.

Cheapest Annual Travel Insurance

If you are looking for basic coverage for rock bottom prices, Budget Direct, FWD and Etiqa will be good matches. These plans cost 25-37% below average compared to basic tier annual plans.

FWD can be a good choice for travellers who care about travel inconvenience coverage and sports coverage (for accidents and equipment damage). It costs between S$161-S$214 per year during its ongoing 10% promotion, but if you catch FWD during a higher promotion it can easily become one of the top 3 cheapest plans on the market. Overall, if you are looking for an annual plan that doesn't break the bank and doesn't skimp on coverage, FWD will be the right choice.

While Etiqa's Tiq Entry plan has fairly modest coverage across the board, it is currently one of the cheapest annual plans on the market. While the rock bottom prices can be enticing to budget travellers, is worth pointing out that Etiqa also offers a plethora of valuable benefits. For instance, it offers coverage for adventurous activities and S$1 million of medical evacuation coverage — 30% higher than the basic plan average. Considering that evacuations are some of the most expensive claims, this can be a very valuable benefit for adventurous travellers and the elderly.

Budget Direct's Basic plan will benefit travellers who are looking for some of the cheapest annual plans on the market. Otherwise, travellers may not find much benefit due to Budget Direct's lack of trip cancellation and delay coverage and rather low medical benefits.

Best Value Annual Travel Insurance

Though Allianz's Travel's Silver plan is one of the pricier insurers for Asia and Global annual trip plans, its unique coverage for COVID-19, cruises and 24/7 emergency services can potentially be worth the extra cost. Furthermore, Allianz Travel's Silver plan really outshines its competitors with its travel inconvenience coverage (coverage for cancellations, trip delays, curtailments, baggage loss, etc.). In fact, its S$30,000 of travel inconvenience coverage is significantly greater than the industry average of S$18,000. However, Allianz is quite restrictive in its exclusions, so you should be sure to read the policy wording before purchasing.

Singlife with Aviva's Travel Plus offers above average coverage for competitive prices and can be a winner for travellers who are looking for flexible medical and trip inconvenience coverage. For instance, its Plus plan also lets you cancel or change your trip dates for any reason, which is a unique feature among travel insurance policies. Additionally, you'll receive coverage for certain childbirth and pregnancy conditions, as well as S$2,000,000 of overseas medical coverage. Lastly, frequent flyers will also benefit from Aviva's frequent flyer points benefit, which lets you recover the points you spent on a trip you have to cancel.

Though Allianz's Travel's Silver plan is one of the pricier insurers for Asia and Global annual trip plans, its unique coverage for COVID-19, cruises and 24/7 emergency services can potentially be worth the extra cost. Furthermore, Allianz Travel's Silver plan really outshines its competitors with its travel inconvenience coverage (coverage for cancellations, trip delays, curtailments, baggage loss, etc.). In fact, its S$30,000 of travel inconvenience coverage is significantly greater than the industry average of S$18,000. However, Allianz is quite restrictive in its exclusions, so you should be sure to read the policy wording before purchasing. _ Aviva's Travel Plus offers above average coverage for competitive prices and can be a winner for travellers who are looking for flexible medical and trip inconvenience coverage. For instance, its Plus plan also lets you cancel or change your trip dates for any reason, which is a unique feature among travel insurance policies. Additionally, you'll receive coverage for certain childbirth and pregnancy conditions, as well as S$2,000,000 of overseas medical coverage. Lastly, frequent flyers will also benefit from Aviva's frequent flyer points benefit, which lets you recover the points you spent on a trip you have to cancel.

Why Do I Need Travel Insurance?

Travel insurance will provide financial protection if anything were to happen on your trip. Think about how expensive your trip is and how long it took you to save up for it, especially if you're travelling with your family. Even a 3-day trip can cost several hundred dollars for a family of 3. Furthermore, some portions of your holiday may even be unrefundable like certain flights, hotels or excursions. Travel insurance will cover all the costs of your trip for a fraction of the price in case your flight gets delayed or cancelled, you lose your luggage or if you or your child gets sick and need hospital care.

How to Choose the Best Travel Insurance

Finding the right travel insurance can be simple if you know what you're looking for. First, you should figure out what kind of plan you need — either a single trip plan or an annual trip. Single trip plans are good if you travel infrequently while annual plans may be the more economical choice if you travel more than five times a year. Annual plans can also help you avoid the hassle of comparing travel insurance plans for every trip. Next, you should also determine your furthest destination to make sure there are no lapses in coverage. For instance, if you will be touring the ASEAN but will also stop in Japan, you should purchase an Asia coverage plan.

You should also take a note of whom you're travelling with, what you'll be doing and how that will impact the amount of coverage you'll require from a travel insurance plan. In general, travel insurance gets more expensive the more people you add to it, although some insurers may offer a slight discount if you are travelling with a group. If you will be travelling with your family, you should find a plan that is not only affordable, but also caters to your family's needs. For example, couples who like to do adventurous activities should find a plan that covers their active itinerary, especially if some of these activities run the risk of injury.

On the other hand, families with small children or elderly relatives should look for a plan offering generous medical and travel inconvenience coverage to cover any emergency expenses and minimise the burden of flight delays or lost luggage. Some plans even offer coverage for pre-existing medical conditions, which can be an investment worth getting to avoid a claim denial. A plan with good medical coverage, trip delay/cancellation and emergency assistance benefits can help get you through most travel-related emergencies if you're travelling alone.

When you know the basics of your trip and what kind of coverage you require, you'll be able to parse through travel insurance plans a lot easier. An important thing to note is that you shouldn't settle for the cheapest option every time. It may be worth paying extra for more comprehensive coverage if you are going to a brand-new destination or if you have medical issues. On the other hand, getting a cheap plan with simple coverage may be sufficient for a brief trip to a familiar destination.

What to Know If You're Travelling With Pre-Existing Conditions

As you may have seen above, some travel insurance plans will cover pre-existing medical conditions. Typically, these plans cost a lot more than plans that don't cover pre-existing conditions due to the higher risk, but they can be a lifesaver for people who will have difficulty travelling without these conditions being covered.

So what do insurers consider to be a pre-existing condition? It's a chronic injury or sickness that you have been treating in the past 12 months before you buy your travel insurance policy. It can also be an injury or sickness that you have asked to get medical treatment for by your doctor within 12 months of starting your trip or buying insurance. Some examples of pre-existing conditions are:

• Heart Attack
• High Blood Pressure

Even with pre-ex plans, some conditions won't be covered. This includes conditions that deteriorated suddenly and became a serious illness. You must also be getting treated for your condition and not refusing or delaying treatment, medication or testing. Lastly, you won't be covered if you had to receive treatment more than once for your condition at an A&E, had to stay in a hospital for more than 3 days in a row or had to stay as an inpatient more than once in the 12 months preceding your trip.

Frequently Asked Questions

Have a question about travel insurance? Find your answer below.

Currently, high-risk countries include Argentina, Bahrain, Bangladesh, Bolivia, Botswana, Brazil, Burma (Myanmar), Cape Verde, Central African Republic, Chile, Colombia, Republic of the Congo, Democratic Republic of the Congo, French Guiana, Georgia, Guinea-Bissau, Haiti, India, Iraq, Kuwait, Latvia, Liberia, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Mongolia, Mozambique, Namibia, the Netherlands, Nepal, Nicaragua, Oman, Pakistan, Papua New Guinea, Paraguay, Reunion, Rwanda, Saudi Arabia, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Suriname, Sweden, Trinidad and Tobago, Uganda, United Arab Emirates, Uruguay, and Zambia.

Please click here for updated information on high-risk countries or visit the Ministry of Health's website for Singapore-specific travel restrictions. It's also important to note that you may not be covered for COVID-19 related claims if you purchase travel insurance for travel to these destinations.

As of July 8, 2021, several countries are experiencing increasing rates of infection and may be risky for travel. Singapore has multiple travel lanes that determine who can enter the country based on the traveller's profile and point of departure; further details on travel lanes can be found here . Upon arrival to Singapore, you may be ordered to serve a mandatory Stay-Home Notice (SHN), depending on your 21 days of travel history and PCR test results (which may be required depending on the risk level of the countries you travelled to).

If you are travelling outside of Singapore, please check with your destination country for their COVID-19 precautionary requirements. It's also important to note that if you are planning a trip and have recently bought a travel insurance policy, you may not be eligible for claims related to COVID-19.

Updates on the COVID-19 pandemic and Singapore's response is rapidly changing. Because of recent COVID-19 spikes worldwide, Singapore has determined only Brunei Darussalam, New Zealand and Mainland China okay for non-essential travel. To stay updated, please click here .

No, travel insurance isn't mandatory. However, it is highly recommended if you will be travelling to new destinations or participating in adventurous activities.

You should buy travel insurance preferably as soon as you book your trip. The latest you can buy a policy is one day before your trip, although some insurers reduce coverage for cancellation benefits three days before your travel date. You can not buy a travel insurance policy after you have left for your trip.

While travel insurance policies generally have similar exclusions, some insurers may cover things that others don't. While we list some of the common exclusions below, you should still read the policy wording of your travel insurance policy to know exactly what is and isn't covered.

Each insurer has their own way of receiving claims. Most insurers have switched over to online submissions where you can upload and submit your claim and all your supporting documents. Some insurers even let you submit smaller claims through their travel apps. You also have the option to mail the documents. Travel insurance claims should be submitted within 30 days of your return. If you are unsure of the documents you need to submit, each insurer should have a claim submission instruction page that lets you know what they need for what type of claim.

Alternatives to Travel Insurance

If you want to purchase travel insurance to cover your trip, but do not want to spend extra on a policy, there are ways of getting free travel insurance coverage. For example, there are travel credit cards that provide free travel insurance coverage to their cardholders. Though some of these cards can get costly, the insurance packages included are quite comprehensive. For more information, we prepared a list with detailed analysis of cards with complimentary travel insurance .

Methodology

By collecting hundreds of data points from all the travel insurance offerings in Singapore, we were able to gain insight on dozens of plans offered by more than 20 insurers. The data we collected benefit coverages from personal accident, medical, emergency repatriation, trip cancellation, lost or damaged baggage, trip/baggage delays to sports coverage. We also collected pricing information for each product by destination country and by duration of coverage (1-week, 2-week and annual). To see all of the companies we analysed, please see the table below.

In order to arrive at our top picks for travel insurance, we looked at multiple factors. First, we considered the amount of money one is entitled to when certain events occur (i.e. medical and trip inconvenience). Then, we created a benefits to cost ratio to measure the value of each product. This measure is a proxy for how much an insured person gets for what he pays. We weighed each benefit area in terms of frequency of claims : travel inconvenience was given a weight of 60% while personal accident and medical benefit was given a weight of 40%.

The graph below illustrates how different companies compare based on the value ratio we utilised. This particular example assumes a 1-week trip within ASEAN region — however, this can vary for other regions and for longer trips, especially if you purchase an annual package.

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• About Chubb Travel Insurance
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• COVID-19 Cover
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• At Your Destination
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• Relating to COVID-19 Cover
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Personalise your travel insurance coverage

Chubb travel insurance has got you covered with plans for every type of traveller now up to 25% off*, *valid from 09 october to 15 november 2023., 4 plan types with customisable benefits catered to every traveller, destination and budget.

Our most affordable plan with basic coverage, especially tailored for travellers heading to Batam, Bintan, and Malaysia.

A starter plan for worldwide travels (excluding Cuba) with higher coverage limits than our Saver Plan.

The most popular option for both leisure and business travellers as it offers comprehensive benefits and cover limits.

Our most comprehensive plan with extensive range of cover and the highest coverage limits.

Why choose Chubb?

Quality travel cover at an affordable price.

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to travellers. We have plan option for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, fair and efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome, and can help to deliver an improved result.

Access to a global team of travel experts

Purchasing travel insurance from Chubb means access to a truly global network. In addition to our wealth of local expertise, Chubb's operation in Singapore is backed by our extensive global travel network and breadth of resources to serve your every need.

24-hour overseas emergency assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance, our 24-hour overseas emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

Travel Smarter with Chubb Travel Insurance. Get an instant quote now!

You may contact us via the following:.

Chubb Insurance Singapore Limited

138 Market Street

Level 11-01 CapitaGreen

Singapore 048946

Chubb Travel Insurance Customer Service

For general enquiries and claims, call (65) 6398 8776 (Mondays to Fridays, 9.00am-5.00pm,excluding Public Holidays)

For 24-hour overseas emergency assistance,call (65) 6836 2922

Chubb Worldwide Offices

For the mailing address, telephone

number and email address of any Chubb

office in our global network, use our

office locator.

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©   Chubb Insurance Singapore Limited. This policy is underwritten by Chubb Insurance Singapore Limited. Co. Regn. No. 199702449H. Full details of the terms, conditions and exclusions of this insurance are provided for in the policy documentation. Please read our  Terms of Use ,  Licensing Information  and  Privacy Policy .