travel insurance elderly singapore

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Senior Travel Insurance for Elderly with Pre-Existing Medical Conditions (2022)

Finally planning to take your parents or grandparents on holiday this year? You’ve probably got a good handle on the travel itinerary, but you might not have thought about yet is which travel insurance plan to buy for the older folks .

It matters because most insurers drastically reduce their travel insurance coverage for those 70 years old and above . That’s terrible because you want MORE medical coverage for the elderly, not less!

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Best travel insurance for senior citizens
NTUC travel insurance for senior citizens
Singlife with Aviva travel insurance for senior citizens
UOB travel insurance for senior citizens
OCBC travel insurance for senior citizens
Citibank DirectAsia travel insurance for senior citizens
Allianz travel insurance for senior citizens
MSIG travel insurance for senior citizens
Etiqa travel insurance for senior citizens

1. Best Travel Insurance for Senior Citizens

Here are the most popular travel insurance plans and their premiums and coverage limits for senior citizens. The amounts represent coverage limits for those 70 years and above, i.e. how much you can claim.

If you pay close attention, most travel insurance policy wordings will show that they decrease coverage eg. only 60% of limit for elderly above age 70.

As you can tell from the table above, the coverage limits are lower for elderly above 70 years old. Before we deep dive into the policies, here’s a low down on what the insurance terms mean:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

2. NTUC travel insurance for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction. It’s a household name that most of us are very familiar with.

What’s special about NTUC is that they offer two types of plans: normal and Enhanced PreX. The latter covers pre-existing medical conditions like diabetes and high blood pressure , which is definitely a big plus for seniors.

However, it’s not a MUST to spring for PreX. In the past, before NTUC PreX came along, it was pretty much impossible to get travel insurance coverage for pre-existing conditions, so everyone just sucked it up and hoped for the best.

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

NTUC travel insurance (PreX) for senior citizens

On the other hand, for elderly with existing health conditions, the NTUC Income Enhanced PreX travel insurance would be an ideal choice. This is the Basic plan which is the cheapest.

*Note that there are sub-limits for claims directly related to pre-existing conditions. This is $150,000 for adults below 70, and $100,000 for those aged 70 and up. So, although pre-existing medical conditions are covered, the actual coverage isn’t as high as it looks.

However, a thing to note is that NTUC Enhanced PreX plans are very expensive . A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

That said, NTUC is the only insurer that provides adequate coverage for seniors with medical conditions. MSIG also has a range of insurance for pre-existing conditions, but the benefits are drastically reduced for those above 70. For instance, the overseas medical coverage limit falls from $250,000 to $50,000 for those above 70. Plus, it also includes COVID-19 coverage.

For more on NTUC travel insurance promotions, claims procedure and T&Cs , read our review here.

3. Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage largely does not discriminate against elderly travellers .

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout that falls rather drastically.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable . If you or an immediate family member is an Aviva policyholder, you can get a 30% discount. Otherwise, they’re running a 18% off promotion for selected buyers.

For more on Aviva travel insurance promotions, claims procedure and T&Cs , read our review here.

4. UOB travel insurance for senior citizens

Although I’m really not a fan of UOB’s other products, I honestly think that UOB travel insurance is some of the best in Singapore. They deliver excellent benefits for senior travellers on most fronts.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the 7 plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to high benefits for post-travel local medical expenses of $10,000 and $25,000 respectively for those above and below 70 , which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip. Plus, chances are they have their medical records with a local doctor they might want to seek follow-up treatment from.

For more on UOB travel insurance promotions, claims procedure and T&Cs , read our review here.

5. OCBC travel insurance for senior citizens

You might not associate OCBC with travel insurance, but it is legit because it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are also very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600).

My key takeaway is that, among the plans compared here, OCBC travel insurance has the highest emergency medical evacuation benefit for senior citizens. And more importantly, it is calculated separately from overseas medical expenses.

This is a travel insurance plan to consider if the medical infrastructure in your travel destination is poor, e.g. a rural/remote place. In a medical emergency, you’re more likely to be evacuated home than rushed to the nearest hospital.

OCBC also has the highest benefits for Traditional Chinese Medicine of $600 for its cheapest Starter plan.

However, the OCBC’s cheapest Starter plan does not offer any COVID-19 coverage. You have to upgrade to the Essential and Ultimate plans for COVID-19 benefits. However, unlike NTUC and Singlife with Aviva, seniors above 70 are only covered a measly $15,000 in medical expenses while overseas. Keep scrolling!

For more on OCBC travel insurance promotions, claims procedure and T&Cs , read our review here.

6. Citibank DirectAsia travel insurance for senior citizens

Another bank offering surprisingly good travel insurance for senior travellers, Citibank is also worth considering if you’re in the same scenario as above – going to a place with poor/no medical care available.

Citibank is a distributor of DirectAsia’s Trip Saviour travel insurance plans. Now, we all know Direct Asia has a reputation for being budget-friendly but is its coverage up to par? In theory, you have 3 tiers to pick from, Classic, Deluxe, and Platinum.

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include COVID-19 coverage and it’s not an optional add-on. Unless that’s a chance you’re willing to take, we’d suggest looking at other providers and what they have to offer.

For more on Citibank travel insurance promotions, claims procedure and T&Cs , read our review here.

7. Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

Total Premium

Allianz Travel Silver

[Receive your cash as fast as 30 days*] • Enjoy an exclusive 55% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$35 via PayNow with eligible premiums spent. T&Cs apply.

Key Features

Plans start from $28

All Plans Provide Unlimited Emergency Transportation (Includes Covid-19 Coverage)

Allianz Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19, or being impacted by other pandemic or epidemic, when you are diagnosed with the disease

24/7 Medical Assistance - helping you organise things like trusted medical expertise, appointments and making direct payments (to selected medical providers)

Frequent Travellers: Get covered for an unlimited number of trips with Annual Plans (up to 90 days’ duration each trip).

The Family Plan provides cover for you and the members of your family who are travelling with you on your journey. Insured persons may comprise a maximum of two adults, who need not be related. Insured persons may also include ANY number of dependents of the two named adults. Note that ALL insured persons, including dependents, must be named on the certificate of insurance.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

Unlike most other insurers, the benefit limits are almost the same across all age groups except for the medical expenses incurred overseas. However, it’s important to note that the the plan does not cover pre-existing conditions and it does not cover medical expenses when you’re back in Singapore.

The redeeming quality of Allianz travel insurance is that the limits for emergency evacuation and medical expenses are separated. It’s COVID-19 coverage is also on the more generous end. Again, it’s suitable for those travelling to destinations with poor medical infrastructure.

For more on Allianz travel insurance promotions, claims procedure and T&Cs , read our review here.

8. MSIG travel insurance for senior citizens

MSIG Insurance is yet another provider born out of our friendly neighbours Malaysia, Truly Asia. It is also another provider that offers a plan for pre-existing conditions. Before getting into the Pre-Ex plan, let’s look at the coverage for the cheapest TravelEasy Standard plan:

The MSIG TravelEasy Standard plan’s main drawback is its low coverage limit for overseas medical expenses. Comparing across the board, MSIG TravelEasy Standard plan’s coverage of $50,000 is amongst one of the lowest. The coverage for medical expenses due to COVID-19 is also nothing to shout about. However, it does have a very high $1,000,000 limit for emergency medical evacuation should your ah ma need to be airlifted back to Singapore.

MSIG travel insurance (Pre EX) for senior citizens

Let’s see how MSIG Pre-Ex policy fares:

MSIG TravelEasy Pre-Ex Standard

Before your purchase MSIG’s TravelEasy Pre-Ex plan, you’ll have to answer a slew of questions about your medical history. Some of which include:

I am following my treating doctor’s advice. This includes not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.
I do not have any medical condition or symptom which I have not consulted a doctor for or for which I am waiting for medical test, medical result, diagnosis, treatment or surgery.
I am not required to stay in a hospital as an inpatient for more than three days in a row in the last 12 months.

On top of having proven that you’ve been attending your doctor’s appointment and taking your meds, you might still not qualify for MSIG’s TravelEasy Pre-Ex plan if you have been hospitalised for more than 3 consecutive days in the past year.

If you do decide to opt for MSIG’s TravelEasy Pre-Ex plan, note that it does not include COVID-19 coverage .

For more on MSIG travel insurance promotions, claims procedure and T&Cs , read our review here.

8. Etiqa travel insurance for senior citizens

Etiqa might not be a household name amongst Singaporeans but given its very affordable price tag, it’s worthy of looking into. Given how cheap it can be, do Etiqa’s travel insurance plans give you sufficient coverage? Let’s look at the coverage of Etiqa’s Entry plan which is the lowest tier:

In fact, even with its low prices, Etiqa’s plans are very competitive with what’s offered by the other providers in terms of its key coverages such as emergency medical evacuation and personal accident. However, with the lowest tier plan, there’s no coverage of medical expenses incurred in Singapore. Should you need follow-up treatment in Singapore, be prepared to foot the bill yourself. Otherwise, you can opt for the second or third tier plans that offer some coverage for medical expenses incurred in Singapore.

It’s also important to know that the COVID-19 plan is an optional add-on. Don’t forget to add it to your cart before you proceed to checkout.

Etiqa travel insurance (Pre Ex) for senior citizens

If you have pre-existing conditions, Etiqa also offers a plan for elderly with pre-existing conditions. Let’s take a look at the key benefits of Etiqa’s Tiq Entry plan:

Etiqa’s Tiq Pre-Ex plan does not include COVID-19 coverage. On top of that, like the non-pre ex version, the pre ex version of the Entry plan does not include any coverage for medical expenses in Singapore. If you’re fully onboard Etiqa’s travel insurance plan, you might want to top up more for each one of the higher tiers for more comprehensive coverage.

Do you have any money-saving tips for travelling with seniors? Share your experiences with us!

Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

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Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Senior travel insurance (2022) – 7 best plans in Singapore for elderly travellers

Here are the key benefits for the seven more appropriate travel insurance plans for seniors in Singapore. The amounts represent coverage limits for those 70 years and above, i.e. how much you can claim.

* Sublimit of $100,000 for pre-existing medical conditions

Wondering what on earth all these insurance terms mean? Here’s a brief description:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

NTUC travel insurance (PreX) for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction.

Here’s a look at the coverage limits for NTUC Income Enhanced PreX travel insurance. This is the Basic plan which is the cheapest.

*Note that there are sublimits for claims directly related to pre-existing conditions. This is $150,000 for adults below 70, and $100,000 for those aged 70 and up. So, although pre-existing medical conditions are covered, the actual coverage isn’t as high as it looks.

Another thing to note is that NTUC Enhanced PreX plans are very expensive . A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

ALSO READ: Best travel insurance policies for places prone to natural disasters (2022)

NTUC travel insurance for senior citizens

It’s not a MUST to spring for PreX. In the past, before NTUC PreX came along, it was pretty much impossible to get travel insurance coverage for pre-existing conditions, so everyone just sucked it up and hoped for the best.

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

For more on NTUC travel insurance promotions, claims procedure and T&Cs , read our review here.

Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage totally does not discriminate against elderly travellers .

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable . If you or an immediate family member is an Aviva policyholder, you can get a 30per cent discount. Otherwise, they’re running a 18per cent off promotion for selected buyers.

For more on Aviva travel insurance promotions, claims procedure and T&Cs , read our review here.

UOB travel insurance for senior citizens

Although I’m really not a fan of UOB’s other products, I honestly think that UOB travel insurance is some of the best in Singapore pre-pandemic. A major drawback of UOB’s insurance is the lack of Covid-19 coverage. Especially for senior travellers, getting Covid-19 overseas could lead to some serious medical implications.

While they’ve delivered excellent benefits for senior travellers on other fronts, the lack of Covid-19 coverage is definitely a concern.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the seven plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to the highest benefits for post-travel local medical expenses of $15,000 and $25,000 respectively for those above and below 70 , which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip.

For more on UOB travel insurance promotions, claims procedure and T&Cs , read our review here.

OCBC travel insurance for senior citizens

You might not associate OCBC with travel insurance, but it should be legit since it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600).

OCBC also has the highest benefits for Traditional Chinese Medicine ($600) for a basic plan.

However, the OCBC’s cheapest Starter plan does not offer any Covid-19 coverage. Upgrade to the Essential and Ultimate plans for Covid-19 benefits. However, unlike NTUC and Singlife with Aviva, seniors above 70 are only covered a measly $7,500 in medical expenses while overseas.

For more on OCBC travel insurance promotions, claims procedure and T&Cs , read our review here.

Citibank DirectAsia travel insurance for senior citizens

Citibank is a distributor of DirectAsia’s Trip Saviour travel insurance plans. Now, we all know Direct Asia has a reputation for being budget-friendly but is its coverage up to par? In theory, you have three tiers to pick from, Classic, Deluxe, and Platinum.

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include Covid-19 coverage and it’s not an optional add-on.

For more on Citibank travel insurance promotions, claims procedure and T&Cs , read our review here.

ALSO READ: Travel insurance review: Is MSIG travel insurance worth it?

Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

Unlike most other insurers, the benefit limits is the same across all age groups. However, it’s important to note that the the plan does not cover pre-existing conditions and it does not cover medical expenses when you’re back in Singapore.

The redeeming quality of Allianz travel insurance is that the limits for emergency evacuation and medical expenses are separated. Again, it’s suitable for those travelling to destinations with poor medical infrastructure.

This article was first published in MoneySmart .

Hotline: 6478 5029

Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

Published on

24 Apr 2022

Published by

It matters because most insurers drastically reduce their travel insurance coverage for those 70 years old and above. That’s terrible because you want MORE medical coverage for the elderly, not less!

Finding a travel insurance plan for the elderly is a tedious affair. I had to comb through all the major insurers’ boring “summary of benefits” tables to shortlist which are the least bad.

Senior travel insurance (2022) – 7 best plans in Singapore for elderly travellers

Wondering what on earth all these insurance terms mean? Here’s a brief description:

Emergency medical evacuation: In the event of an emergency, this is the cost of sending you home for treatment via an air ambulance
Medical expenses (overseas): Reimbursement for hospital and medical expenses overseas during your trip
Medical expenses (Singapore): Reimbursement for medical expenses in Singapore when you come back from your trip (within a certain time frame)

NTUC travel insurance (PreX) for senior citizens

Since it’s probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction.

Here’s a look at the coverage limits for NTUC Income Enhanced PreXtravel insurance. This is the Basic plan which is the cheapest.

Another thing to note is that NTUC Enhanced PreX plans are very expensive. A week’s coverage in ASEAN starts from $102 – way, way higher than the usual $30 something you’d expect to pay for regular travel insurance.

NTUC travel insurance for senior citizens

If you’re comfortable with that, the regular NTUC travel insurance is also worthy of consideration.

At a low price point, the cheapest Classic plan offers one of the most generous medical benefits for seniors: a $250,000 combined limit for overseas medical expenses + emergency evacuation.

Singlife with Aviva travel insurance for senior citizens

My personal favourite of the lot is Singlife with Aviva travel insurance because its medical coverage totally does not discriminate against elderly travellers.

Check out the coverage on their cheapest plan (Lite) – there’s no difference for any of the benefits, except the personal accident payout.

In particular, I like that the local medical expenses limit is extremely high for seniors – $10,000 compared to $1,000 or $2,000 offered by other insurers.

Aviva travel insurance is also extremely affordable. If you or an immediate family member is an Aviva policyholder, you can get a 30per cent discount. Otherwise, they’re running a 18per cent off promotion for selected buyers.

UOB travel insurance for senior citizens

While they’ve delivered excellent benefits for senior travellers on other fronts, the lack of Covid-19 coverage is definitely a concern.

UOB travel insurance comes in 3 tiers Basic (cheapest), Essential (cheaper) and Preferred (premium). All plans cover anyone aged 70 and above.

Here’s a look at the coverage for UOB Insure & Travel Basic plan:

Of the seven plans here, if you were to upgrade to UOB’s Essential plan, you would be privy to the highest benefits for post-travel local medical expenses of $15,000 and $25,000 respectively for those above and below 70, which I think is good because older folks have weaker immune systems and illnesses may linger (or even develop) after the trip.

OCBC travel insurance for senior citizens

OCBC also has the highest benefits for Traditional Chinese Medicine ($600) for a basic plan.

You might not associate OCBC with travel insurance, but it should be legit since it’s provided by Great Eastern, OCBC’s insurance arm.

Their plans are very affordable thanks to near-perpetual discounts. Here’s what the coverage for the cheapest Starter plan looks like.

Citibank DirectAsia travel insurance for senior citizens

Citibank is a distributor of DirectAsia’s Trip Saviour travel insurance plans. Now, we all know Direct Asia has a reputation for being budget-friendly but is its coverage up to par? In theory, you have three tiers to pick from, Classic, Deluxe, and Platinum.

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include Covid-19 coverage and it’s not an optional add-on.

Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

This article was first published in MoneySmart.

Source: AsiaOne © Singapore Press Holdings Limited. Reproduced with permission.

ALL views, content, information and/or materials expressed / presented by any third party apart from Council For Third Age, belong strictly to such third party. Any such third party views, content, information and/or materials provided herein are for convenience and/or general information purposes only. Council For Third Age shall not be responsible nor liable for any injury, loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person accessing or acting on any such views, content, information and/or materials. Such third party views, content, information and/or materials do not imply and shall not be construed as a representation, warranty, endorsement and/or verification by Council For Third Age in respect of such views, content, information and/or materials.

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Best Travel Insurance for Seniors 2024

Senior citizens may need more comprehensive travel insurance to cover their medical needs while overseas. However, many insurers tend to severely cut their medical coverage for seniors above the age of 70. To help elderly travellers, our team of travel insurance experts rounded up the best travel insurance plans for seniors after analysing hundreds of data points from 80 travel insurance plans.

*Please read the important travel updates regarding COVID-19 here .

Cheapest Plans for Seniors
FWD Premium : Comprehensive medical coverage for competitive premiums
Etiqa Basic : Modest medical coverage but offers ongoing promotions that make premiums very affordable
HL Assurance Enhanced : Costlier than FWD and Etiqa but offers higher medical coverage
Best Value Plans for Seniors
Direct Asia 500 : Affordable premium option
Income Classic : Good option for travellers looking for medical coverage
Aviva Plus : Offers flexible cancellation policies and good medical coverage
Allianz Travel Silver : High value for money option for those looking for travel inconvenience benefits
Best Plans for Medical Coverage
Aviva Plus : Doesn't cut coverage for seniors over a certain age
Income Superior Pre-Ex : Lets you claim for pre-existing conditions
Best Plans for Trip Inconvenience
Allianz Gold : Offers highest trip inconvenience coverage on the market
Aviva Prestige/Plus : Great options if you want to be able to cancel your trip for any reason

Picking the Best Travel Insurance Plans for Seniors

We researched dozens of travel insurance plans and analysed hundreds of data points to find out the best travel insurance plans for seniors. Compare our top picks based on coverage and price.

This graph compares the price of major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers compare and find the cheapest travel insurance for their trip

Cheapest Travel Insurance for Seniors FWD, Etiqa & more
Best Value Travel Insurance Aviva, Direct Asia & more
Best for Medical Coverage Aviva, NTUC
Best for Trip Inconvenience Allianz Travel

Cheapest Travel Insurance for Seniors

Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice

Regardless of destination and length of coverage, senior travellers who choose Etiqa, FWD or HL Assurance will get the cheapest travel insurance rates.

On the other hand, Etiqa's Tiq plans coverage is more modest with only emergency evacuation and overseas medical coverage available for the Entry plan. However, its ongoing promotions can make it a good option for seniors who are focused on price and are healthy enough to not require high levels of medical coverage. This is especially true for active seniors who also like to go on hikes and do sports while vacationing since Tiq covers adventurous activities. You can also choose to get pre-ex coverage if you are willing to pay the S$60 extra dollars (1-week coverage).

FWD offers more comprehensive medical coverage than Etiqa, with S$40,000 medical expense coverage and S$2,000 of domestic medical coverage for seniors over 70 and costs around S$10 more than Etiqa for a one-week trip. However, it is important to remember that looking at price alone is not a determinant of a good plan. If you are travelling to a country with expensive healthcare, it is better to spend a little more but get better coverage than be stuck with a costly medical bill.

If you are interested in protecting your trip itinerary, HL Assurance offers above average trip cancellation and delay coverage out of its peers and it offers the highest medical expense coverage out of the three, with S$50,000 of coverage. However, it is one of the more pricier options out of the 3 for annual plans, costing S$187 for an annual ASEAN plan.

Best Value Travel Insurance for Seniors

Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher

If you want to gain the most from your travel insurance, high value plans like Aviva, Direct Asia, Income and Allianz Travel offer the most coverage per dollar of premium for seniors due to their generous medical coverage and solid trip inconvenience coverage. Aviva Plus, Direct Asia 500 and Allianz Silver, specifically, offer competitive pricing that is below average with premiums that are 15-40% below their peers. At the same time, they offer above average medical expense coverage and trip inconvenience coverage.

Direct Asia is a good option if you are on a tight budget but you are still looking for more coverage than what typical budget travel insurance plans offer. The 500 plan is a top-tier plan that provides generous trip inconvenience coverage and can be a good option for multigenerational families since kids are covered for free and grandparents receive fairly generous coverage thanks to DirectAsia's already high coverage limits.

Aviva and Income (not the Pre-X plans) are good options for active or medically-focused senior travellers due to Aviva's flexible cancellation policies and Income's high medical benefits. For travellers looking for a high value budget plan, Income Classic offers the highest value out of budget-tiered plans. It is affordable and provides coverage limits high enough for the over 70 to compete with mid and even top-tier plans. In the same vein, Aviva is a high level mid-tier plan that offers very generous limits for medical coverage (the highest on the market for seniors over 70 years of age).

Allianz Travel is a good option for travel inconvenience coverage as it offers up to S$15,000 of trip cancellation coverage and S$12,000 of baggage loss coverage and can work for seniors who travel with expensive belongings.

Best Medical Coverage Travel Insurance

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and Income have some of the most lenient coverages when it comes to medical claims.

If you are on a tight budget but still want a plan that provides ample medical coverage, Aviva is a clear winner as it doesn't cut domestic medical, international medical and personal accident coverage for elderly policyholders. It also offers a variety of medical benefits including dental expenses, emergency telephone expenses, quarantine and hospital visit expenses.

If you are travelling with pre-existing conditions, Income's Pre-X is one of the three insurers who will let you claim for medical expenses arising from your pre-existing conditions. Its Pre-X plans let you claim for medical expenses due to your pre-existing condition while abroad and continue treatment once back home in Singapore. You can also claim your medical expenses either under travel inconvenience (i.e. you had to cancel your trip due to a pre-existing condition), although that comes with a 50% co-payment. Lastly, you'll receive other benefits like travel agency insolvency, repatriation and missed connections coverage. However, you should note that annual Pre-X policies can only be purchased over the phone.

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and NTUC have some of the most lenient coverages when it comes to medical claims.

Best Trip Inconvenience Coverage

If you are looking for maximum peace of mind regarding your itinerary and baggage, Allianz and Aviva's travel insurance plans may be a great fit.

If your budget is not restricted, Allianz Travel's Gold plan offers the highest trip inconvenience coverage on the market with S$25,000 of trip cancellation coverage, S$1,500 trip delay coverage and S$15,000 of baggage loss/damage coverage. If you are willing to sacrifice some of the limits in exchange for more affordable prices, you can opt for Allianz's Silver plan. It is still a very solid plan with S$12,000 of baggage loss or damage coverage, S$15,000 of trip cancellation, and S$15,000 of trip postponement coverage.

If you care more about flexibility rather than coverage amounts, Aviva's Prestige and Plus travel insurance plans are great choices as they let you cancel your trip or change your travel dates for any reason and offers up to S$8,000 of baggage loss and S$3,000 of theft coverage. To get the best value, we recommend you look at the Prestige plan, as it costs below average for top-tier plans. However, regardless of the plan, Aviva is quite expensive so it may not be the best fit for travellers on a tight budget.

Travel & COVID-19 Updates

As of June 15, 2020, all Singaporeans are advised to avoid travel. Several countries are experience increasing rates of infection and may be risky for travel. However, there is an exception for essential business and official travel operating under the Green/Fast Lane arrangements. Furthermore, please 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. Furthermore, upon return to Singapore, you will be require to serve a mandatory Stay-Home Notice (SHN) as well as a test.

Please note as of July 19th, 2020, travellers who stayed the past 14 days in Australia (besides Victoria), Brunei Darussalam, Macao SAR, mainland China, New Zealand, South Korea, Taiwan and Vietnam no longer need to serve their SHN at an SHN Dedicated Facility. Instead, Singaporean citizens and permanent residents can serve their 14 day SHN at home. To learn more please click here .

Methodology

To find the best travel insurance plans for seniors, we analysed pricing and coverage from over 100 different travel insurance plans. We took into consideration medical coverage for seniors who are over 70, whether there were any benefits that were excluded for seniors over a certain age as well as trip cancellation benefits. We also looked into plans that offered pre-existing conditions, since there is a higher chance that this segment of travellers will want coverage for ongoing medical conditions. Lastly, we looked at price. Since senior travellers may be retired and without a steady income stream, we wanted to find plans that were affordable in addition to providing useful benefits.

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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COVID-19 Alerts

Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

40% off Travel Insurance Plan

Save 40% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel.

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

useful description of image if informative and not decoration only.

Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies here

Travel Insurance Catered to Different Needs

For Frequent Travellers: Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our Annual Plan Travel Insurance here
For One-off Trips: Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our Single Trip Travel Insurance here
For Family: Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) . Discover our Family Travel Insurance here

24/7 Assistance And Support - For Your Safety, Health And Security

Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

40% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'travel40'

1. is valid until 30 April 2024

2. ‘travel40’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the Policy Wording and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

Swipe to view more

Designed for essential travel and medical coverages only

Well-balanced coverages for most type of travels

From S$ 25.20

Inclusive of an extensive scope of travel protection

Core Benefits

Selected COVID-19 Cover*
Overseas medical expenses
Trip Cancellation, Baggage delay and emergency transportation benefits
Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
Travel personal accident, rental car excess, and lost travel documents benefits
Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

Early Return (You have to end your trip early and need to recover transportation cost for return home.)
Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population.

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage. Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever. she tested positive for covid-19., mr wang called allianz travel’s 24/7 assistance about his wife. they contacted the hospital & organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

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Understanding Travel Insurance Terms and Exclusions

Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

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Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

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Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

What To Take Note of Before Making a Travel Insurance Claim?

Planning to make a travel insurance claim? Our article covers essential tips to keep in mind, from preparing documents to filling out claim forms.

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

Mon – Fri, 9:00 - 17:30 Singapore Time

e-mail: [email protected]

For customer service

call: +65 6327 2210

Allianz Travel: How Can We Help?

24 hour emergency assistance.

Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

What should your Travel insurance cover for a trip to Singapore?

How does Travel Insurance work in Singapore?

Do I need Travel Insurance for Singapore?
How much does Travel Insurance cost for Singapore?
Our Suggested AXA Travel Protection Plan
What types of medical coverage does AXA Travel Protection plans offer?
Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions?

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.
Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.
Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.
Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.
Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. Exclusive to Platinum Plan holders.

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees.
Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation.
Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.

Pre-Departure Travel Benefits:

Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury.
COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.
Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.

Post-Departure Travel Benefits:

Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits:

Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries.
Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.

Additional Optional Travel Benefits:

Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.
Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.
Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance: Silver, Gold and Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.

Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

Emergency medical expenses
Emergency evacuation & repatriation
Non-medical emergency evacuation & repatriation

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

Citibank DirectAsia travel insurance for senior citizens

Here’s what the coverage looks like for the cheapest Classic plan:

Note that it’s a little on the pricier side unless there’s a good promotion going on.

Unfortunately, the plans also do not include COVID-19 coverage and it’s not an optional add-on.

For more on Citibank travel insurance promotions, claims procedure and T&Cs , read our review here.

Allianz travel insurance for senior citizens

Allianz isn’t quite as well-known as the other insurers here, but it’s a very established brand in Europe.

Total Premium

40% Off Total Premium S$92

Online Promo

Covers Covid-19 | Best medical coverage

Allianz Travel Comprehensive Silver

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Baggage

Total Premium Total Premium S$92 40% Off

Online Promo:

【MoneySmart Exclusive】 Enjoy 40% off all Allianz Travel Plans with MONEYSMART40

Valid until 30 Apr 2022

More Details

Key Features

Protection Against COVID-19, Epidemics And Pandemics, When Diagnosed With The Disease*

24/7 Medical Assistance - helping you organise things like trusted medical expertise, appointments and making direct payments (to selected medical providers)

Paperless claim process

See all plan details

The coverage benefits for the cheapest (Bronze) tier of travel insurance is pretty bare bones. If you’re considering Allianz as an option, you’d be better off with the Silver or Platinum plans.

Here’s the coverage for the mid-tier Silver plan:

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TravelSmart Premier

TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

Get up to 30% off

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels. Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel.

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents.

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19.

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage.

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments.

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events.

Complimentary benefits at no extra premium 2

Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. • Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services Hotline at +65 6708 7453 if you need emergency medical assistance while travelling.

Q39: How do I file for a claim?

To submit a claim, you can download a copy of our claim form here: https://giexchange-sg.greateasterngeneral.com/giexchange/pdf/Travel_Claim_Form.pdf. Claims submission should be filled in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1 COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2 Not applicable for Basic Plan.

The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ).
TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

Sign up now to enjoy up to 30% off * Classic and Elite plans

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Use promo code <TSP10A> for 10% off annual multi-trip plan

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Terms and conditions apply.

*Promotion is valid from 1 April to 30 June 2024.

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[ Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive] • Enjoy 50% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply. BONUS: For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550) Increase your chances of winning when you refer friends today. T&Cs apply.

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Allianz Travel Basic

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AIG Travel Guard® Direct - Supreme

[Receive your cash as fast as 30 days*] • Receive 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive S$80 via PayNow and 2 x Plaza Premium Lounge Access Passes with eligible premiums spent. T&Cs apply.

Total Premium*

The Wise Traveller Premium

Great Eastern TravelSmart Premier Elite

[MoneySmart Exclusive] • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply. [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

HL Assurance Travel Protect360 Premier

Allianz Travel Platinum

The Wise Traveller Secure

FWD Business

AIG Travel Guard® Direct - Enhanced

Starr TraveLead Comprehensive Gold

Allianz Travel Silver

Singlife Travel Lite

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What Customers Say about their Travel Insurance Purchase

Review by doreenngsk ng.

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

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!"

Review by Jodel Tan

"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 Plan in Singapore 2024

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.

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.

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 .

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.

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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.

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.

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

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

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Tips for Senior Travelers in Singapore

In Singapore, you'll find very few hotels that offer senior citizen discounts; however, every attraction with an entrance fee offers a special discounted rate, and some tour companies will quote you a better rate as well. Be warned that in Singapore you're considered a senior citizen at the age of 55 -- you either love it or hate it!

Upon request, the STB can also help plan your trip and can offer its own advice for senior travelers. Regarding this service, here's my advice: If you work out your itinerary with the help of STB, make sure you're firm about time constraints. Many of the tours and daily itineraries are rushed, with little time for a rest here and there. A common complaint is exhaustion by the end of just 1 day. In the heat, this is not only uncomfortable, but dangerous as well.

Note : This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.

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Travel Insurance

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

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Tick Travel Insurance Top Cover Review: Features, Pros And Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it is safe to argue that it’s a highly competitive player in the market. Travellers will likely appreciate the unlimited medical and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind.

However, some travellers may feel that Tick Travel Insurance’s Top Policy falls a little short on nice-to-have coverage, including lost luggage and rental car excess limits. Let’s take a closer look at Tick’s top policy offering.

Competitive pricing
High levels of medical and cancellation cover
High customer service rating
Credit card fraud not covered
Higher levels of luggage cover elsewhere
Missed connections not covered

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

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Unlimited, with a $2000 limit to dental

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Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As is typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Jail for ex-senior claims exec who cheated insurance firm of more than $10.7m over 7 years

SINGAPORE – A senior claims executive at an insurance firm duped it into paying out more than $10.7 million in fraudulent claims between May 2010 and September 2017.

The prosecution said that Suyandi, who goes by only one name, committed the offences to satisfy his own greed and fund his gambling addiction. He has made no restitution.

The 46-year-old Singapore permanent resident was sentenced to 10 years and 10 months’ jail on April 29 after he pleaded guilty to eight charges, including multiple counts of cheating.

Fourteen other charges were taken into consideration during sentencing. Court documents did not disclose his nationality.

In 2009, Suyandi joined Ace Insurance before Chubb Insurance acquired it seven years later. Its name was then changed to Chubb Insurance Singapore.

He was a senior claims executive at the firm until he tendered his resignation on or around Sept 4, 2017. His employment agreement was terminated two months later.

While working for the company, his roles included reviewing and verifying claims submitted to it to determine their validity.

Deputy public prosecutors Koh Yi Wen and Yohanes Ng stated in court documents that claims would typically be submitted via e-mail from claimants.

For a claim to be approved, a claims executive like Suyandi must process it, determine the amount to be paid out, and subsequently key in these details into the company’s computer system.

The claims executive would then send the payee’s name, bank account details, payment method, and amount payable via e-mail to another department within the firm for payments to be made.

Between May 26, 2010, and Sept 13, 2017, Suyandi was involved in processing 355 false and unauthorised claims involving more than $10.7 million.

As a result, the company made telegraphic transfers to 29 different beneficiary bank accounts, 23 of which were located outside Singapore.

The prosecutors told the court: “According to the accused, the beneficiaries were unaware that the payments they received were fraudulent payments.

“The beneficiaries were acquaintances, friends of friends, or debtors whom the accused owed money to as a result of his gambling habit.”

Suyandi would then allow some of the overseas beneficiaries to retain 3 per cent to 10 per cent of the cash they received in exchange for their help in remitting remaining monies to him.

Some time before Nov 2, 2017, the company discovered there was some indication that he was involved in various false insurance claims submitted to it.

The firm hired a forensic accountant to look into the claims Suyandi had processed, and the police were alerted soon after. He was later charged in a district court in June 2023.

On April 29, the prosecutors asked for Suyandi to be given between 12 and 14 years’ jail, stressing he had been motivated by greed. They said: “The offences represent a complete perversion of the offender’s primary job responsibilities as a senior claims executive.

“He took the trust and authority reposed in him by the victim company and utterly abused it.”

Suyandi’s bail has been set at $80,000, and he was ordered to surrender himself at the State Courts on May 27 to begin serving his sentence.

For each count of cheating, an offender can be jailed for up to 10 years and fined.

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Best Senior Travel Insurance for Elderly Travellers (2021)
The Best Travel Insurance Companies for Seniors (Updated 2024)
The Best Travel Insurance For Seniors (From $26.71 Per Week)
Best Travel Insurance in Singapore with Covid-19 Coverage
Best Seniors Travel Insurance Guide
Senior Travel Insurance in Singapore (2022)

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COMMENTS

Best Buy Travel Insurance for Elderly Over 65 in Singapore
What To Look For When Choosing Travel Insurance for Seniors. When choosing travel insurance for seniors, what's important is prioritising comprehensive medical coverage and flexibility to ensure a worry-free journey. The best buy in senior travel insurance plans for elders—whether they are over 65, 70 or 80— typically includes:
Senior Travel Insurance in Singapore (2022)
Don't leave home without these 7 most senior-friendly travel insurance plans in Singapore. ... does have a very high $1,000,000 limit for emergency medical evacuation should your ah ma need to be airlifted back to Singapore. MSIG travel insurance (Pre EX) for senior citizens. Let's see how MSIG Pre-Ex policy fares: Coverage limits: Below 70 ...
Senior travel insurance (2022): 7 best plans in Singapore for elderly
*Sublimits apply for local medical expenses ($15,000 for adults under 70 / $4,500 for elderly) and TCM ($600). My key takeaway is that, among the plans compared here, OCBC travel insurance has the ...
Senior travel insurance (2022): 7 best plans in Singapore for elderly
Citibank DirectAsia travel insurance for senior citizens. Another bank offering surprisingly good travel insurance for senior travellers, Citibank is also worth considering if you're in the same scenario as above - going to a place with poor/no medical care available. Citibank is a distributor of DirectAsia's Trip Saviour travel insurance ...
Buy Travel Insurance Online
Here for you, 24/7. Our affordable travel insurance covers flight delay, trip cancellation, lost baggage, medical expenses up to S$1,000,000 with Covid-19 add-on and more.
Best Travel Insurance for Seniors 2022
Best Value Plans for Seniors. Direct Asia 500: Affordable premium option. Income Classic: Good option for travellers looking for medical coverage. Aviva Plus: Offers flexible cancellation policies and good medical coverage. Allianz Travel Silver: High value for money option for those looking for travel inconvenience benefits.
Singlife Travel Insurance Plan
Our plan includes cover for accidental death & disability, overseas medical expenses and more. 24/7 Emergency travel assistance. Loss of frequent flyers points. Rental vehicle excess1. S$500. Loss or damage of baggage & personal belongings2. S$3,000. Accidental death & disability5. S$50,000.
Buy Travel Insurance
Go on unlimited number of trips in a year and travel for up to 90 days per trip with DirectAsia Singapore annual travel insurance plans. DA 200. DA 500. DA 1000. Medical Expenses whilst Overseas. S$200,000. S$500,000. S$1,000,000. Loss or Damage to Personal Belongings.
TravellerShield Plus Travel Insurance Plan
Annual Multi-Trip Policy. Applicant. At least 18 years old and. A Singapore Resident 1. Aged between 18 and 69 years old (both ages inclusive) and. A Singapore Resident 1. Insured Persons. Child (ren) must be at least 1 month old and below 18 years old 2, and adult (s) must be at least 18 years old and. All insured persons must be Singapore ...
Best Senior Travel Insurance Of April 2024
The average cost of senior travel insurance is $416 per trip, based on our analysis of rates for the best travel insurance policies for seniors. Your exact cost for travel insurance will generally ...
Singapore Travel Insurance
Millions of people rely on us! With 1 intervention every 2 seconds, Allianz Travel is one of the market leaders in travel insurance and assistance services. With a range of cover for individuals or Families with Single Trip Travel Insurance and Multi-Trip Travel Insurance cover options: our global network will have you covered 24/7. No matter ...
Travel Insurance for Singapore
In general, travel insurance costs about 3 - 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane ...
Senior Travel Insurance (2022)
The post Senior Travel Insurance (2022) - 7 Best Plans in Singapore for Elderly Travellers appeared first on MoneySmart.sg. ... Since it's probably the biggest travel insurer in Singapore, I doubt NTUC travel insurance needs any introduction. What's special about NTUC is that they offer two types of plans: normal and Enhanced PreX. ...
TravelSmart Premier
Greater assurance with extended coverage for COVID-19. Get up to 30% off. With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels. Read more. Embark on your travels with financial protection. Yes now you can - whether it's a much ...
Travel Insurance
Travel Easy protects your losses from travel cancellation to flight delays, stolen travel documents, overseas medical expenses incurred due to accidental injuries or onset of sickness*, and follow-up medical treatment after your trip. COVID-19 travel insurance coverage is automatically included for Single Trips and Annual Plans.
Travel Insurance
Opt for Enhanced PreX Travel Insurance if you are travelling with pre-existing medical conditions [5] such as diabetes, heart conditions, high blood pressure and more. Opt for Family cover [6] if you are travelling with your spouse/partner and children. With 24/7 Medical Emergency Hotline, you can call (65) 6338 1222 for assistance in the event ...
Travel Insurance For Trips To Singapore
It can also ensure you meet Singapore's travel requirements. Travel insurance with Covid-19 medical coverage is required for all travelers entering Singapore. "You must have at least $30,000 ...
Buy Annual Travel Insurance Online
Compare single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price Read More . Compare Travel Insurance prices on MoneySmart to get the best deal to cover you against coronavirus (COVID-19), lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.
Tips for Senior Travelers in Singapore
Tips for Senior Travelers in Singapore. In Singapore, you'll find very few hotels that offer senior citizen discounts; however, every attraction with an entrance fee offers a special discounted rate, and some tour companies will quote you a better rate as well. Be warned that in Singapore you're considered a senior citizen at the age of 55 ...
Travel Insurance
Singapore Airlines cares that our passengers are able to travel safe with confidence again. Our travel insurance covers selected benefits if, during your period of cover, you are positively diagnosed as suffering Covid-19 sickness and depending on your policy. All passengers planning to enter Singapore are to ensure that they check all entry ...
Tick Travel Insurance Review
Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance's Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims ...
Jail for ex-Chubbs Insurance employee who cheated Singapore company
SINGAPORE, April 29 — For seven years, a senior claims executive at Chubbs Insurance executed what a judge described as an "elaborate scheme" to cheat his employer into disbursing over S$10.74 million (RM37.6 million) in fraudulent claims. This was done by sending forged emails and directing ...
Jail for ex-senior claims exec who cheated insurance firm of more than
SINGAPORE - A senior claims executive at an insurance firm duped it into paying out more than $10.7 million in fraudulent claims between May 2010 and September 2017.. The prosecution said that ...
TravellerShield Plus
Enquiries. Overseas Emergency Assistance. Call Chubb's Customer Service Hotline at +65 6398 8797 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays) or via email at [email protected]. If you are overseas and require any emergency assistance, you may call the 24-hr Chubb Assistance at +65 6322 2132.

Senior Travel Insurance for Elderly with Pre-Existing Medical Conditions (2022)

1. Best Travel Insurance for Senior Citizens

2. NTUC travel insurance for senior citizens

NTUC travel insurance (PreX) for senior citizens

3. Singlife with Aviva travel insurance for senior citizens

4. UOB travel insurance for senior citizens

5. OCBC travel insurance for senior citizens

6. Citibank DirectAsia travel insurance for senior citizens

7. Allianz travel insurance for senior citizens

Allianz Travel Silver

Key Features

8. MSIG travel insurance for senior citizens

MSIG travel insurance (Pre EX) for senior citizens

MSIG TravelEasy Pre-Ex Standard

8. Etiqa travel insurance for senior citizens

Etiqa travel insurance (Pre Ex) for senior citizens

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Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

Senior travel insurance (2022) – 7 best plans in Singapore for elderly travellers

NTUC travel insurance (PreX) for senior citizens

NTUC travel insurance for senior citizens

Singlife with Aviva travel insurance for senior citizens

UOB travel insurance for senior citizens

OCBC travel insurance for senior citizens

Citibank DirectAsia travel insurance for senior citizens

Allianz travel insurance for senior citizens

Senior travel insurance (2022): 7 best plans in Singapore for elderly travellers

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