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Can Foreigners Purchase Travel Insurance in Singapore? Your Ultimate Guide

Travel insurance is a crucial aspect of any trip, and it is natural to wonder if you are eligible for it when visiting a foreign country. If you are a foreigner planning to visit Singapore, you may be wondering if you can buy travel insurance in the country. The good news is that foreigners in Singapore can buy travel insurance from specific insurers, including NTUC Income, FWD, Tiq, Sompo, Allianz Travel, and AIG.

Foreigners purchasing travel insurance at a Singaporean insurance office

When it comes to eligibility, foreigners in Singapore can apply for travel insurance if they hold an employment pass or work permit and are living in Singapore. The insurance policy must be for a round trip commencing from and returning to Singapore within the period of your travel insurance. Additionally, you will need to provide your FIN and show your employment pass or work permit when applying for the policy.

It is essential to understand the benefits and limitations of travel insurance before purchasing a policy. Some policies may not cover pre-existing medical conditions or high-risk activities such as extreme sports. Therefore, it is crucial to choose the right plan and carefully read the fine print to ensure that you are fully covered.

Key Takeaways

  • Foreigners in Singapore can buy travel insurance from specific insurers, including NTUC Income, FWD, Tiq, Sompo, Allianz Travel, and AIG.
  • Foreigners holding an employment pass or work permit and living in Singapore can apply for travel insurance for a round trip commencing from and returning to Singapore within the period of their travel insurance.
  • It is important to choose the right plan and read the fine print to ensure that you are fully covered.

Eligibility and Benefits for Foreigners Buying Travel Insurance in Singapore

A foreigner holds a travel insurance brochure in Singapore, with a map and travel documents in the background

If you are a foreigner travelling to Singapore, it is highly recommended that you purchase travel insurance to protect yourself from unexpected events. Travel insurance can provide you with peace of mind and financial protection against unforeseen circumstances such as medical emergencies, travel postponement, quarantine, and isolation.

Understanding Travel Insurance Coverage

Travel insurance typically covers medical expenses, overseas medical treatment, and emergency medical evacuation. Some travel insurance policies also offer COVID-19 cover, which includes coverage for quarantine and hospitalisation due to COVID-19. However, it is important to note that not all travel insurance policies offer COVID-19 cover, so it is important to check the policy details before purchasing.

Eligibility Criteria for Foreign Travellers

Foreign travellers are eligible to purchase travel insurance in Singapore. However, the eligibility criteria may vary depending on the insurance provider. Some insurance providers may require you to have a valid visa or work permit to be eligible for coverage, while others may not have any such requirements.

When purchasing travel insurance, it is important to compare different policies and choose the one that best suits your needs. Look for policies that offer comprehensive coverage and have a high coverage limit for medical expenses and emergency medical evacuation.

In conclusion, purchasing travel insurance is highly recommended for foreign travellers visiting Singapore. It can provide you with peace of mind and financial protection against unexpected events. When purchasing travel insurance, make sure to compare different policies and choose the one that best suits your needs.

Choosing the Right Plan and Understanding the Fine Print

A traveler carefully reads a travel insurance brochure in Singapore, comparing different plans and scrutinizing the fine print

When it comes to choosing the right travel insurance plan, it’s important to understand what you are getting and what you are not. Here are some important factors to consider when selecting a travel insurance plan in Singapore :

Comparing Different Travel Insurance Plans

Not all travel insurance plans are created equal. It’s important to compare different plans to find the one that suits your needs. Look for plans that cover a range of issues such as trip cancellation, travel delay, baggage delay, and overseas medical expenses. Also, consider the protection levels and premiums of each plan.

Pre-Existing Conditions and Exclusions

If you have pre-existing conditions, it’s important to check if they are covered by the travel insurance plan. Some plans may exclude coverage for certain pre-existing conditions, so it’s important to read the fine print carefully. Also, be aware of exclusions such as claims arising from illegal activities or self-inflicted injuries.

Understanding Premiums and Protection Levels

When it comes to travel insurance, you get what you pay for. While it may be tempting to go for the cheapest plan, it may not provide adequate protection. Look for plans that offer a good balance between premiums and protection levels. Also, be aware that some plans may have a deductible, which means you will need to pay a certain amount before the insurance kicks in.

In conclusion, choosing the right travel insurance plan in Singapore requires careful consideration of the factors mentioned above. By comparing different plans, checking for pre-existing conditions and exclusions, and understanding premiums and protection levels, you can find a plan that suits your needs and provides the coverage you need for your travels.

Frequently Asked Questions

A traveler at a Singapore insurance office, asking about foreigner travel insurance

What are the options for non-residents to obtain travel insurance in Singapore?

If you’re a non-resident planning to visit Singapore, you can purchase travel insurance from several insurers such as NTUC Income, FWD, Tiq, Sompo, Allianz Travel, and AIG. These insurers offer a range of policies that cater to different types of travellers, including tourists, business travellers, and students.

Is it possible for tourists to secure travel insurance upon arrival in Singapore?

Yes, tourists can purchase travel insurance upon arrival in Singapore. However, it’s recommended to purchase travel insurance before you arrive in Singapore to ensure that you’re covered for any medical emergencies or travel-related mishaps.

How can international visitors get covered by Singaporean travel insurance?

International visitors can get covered by Singaporean travel insurance by purchasing a policy from a reputable insurer . Make sure to read the policy documents thoroughly and understand the coverage offered before purchasing the policy.

Are there specific travel insurance plans in Singapore tailored for expatriates?

Yes, there are specific travel insurance plans in Singapore tailored for expatriates. These plans offer comprehensive coverage for medical emergencies, personal accidents , trip cancellations , and other travel-related incidents.

What’s the process for a foreigner to purchase travel insurance in Singapore?

The process for a foreigner to purchase travel insurance in Singapore is straightforward. You can purchase travel insurance online, through an agent, or directly from an insurer. Make sure to provide accurate information about your travel plans and personal details to get the best coverage for your needs.

Can overseas travellers benefit from healthcare coverage with Singapore travel insurance?

Yes, overseas travellers can benefit from healthcare coverage with Singapore travel insurance . Many travel insurance policies offer coverage for medical emergencies and hospitalisation expenses incurred overseas. Make sure to read the policy documents thoroughly to understand the coverage offered.

Overall, purchasing travel insurance is a crucial aspect of any trip to Singapore. By obtaining a comprehensive policy, you can enjoy peace of mind knowing that you’re covered for any unforeseen circumstances that may arise during your trip.

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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. 

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International Travel Insurance

Flexible International Travel Insurance policies covering all nationalities, travelling almost anywhere in the world. You can purchase travel insurance for a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad, regardless of how often you travel.

travel insurance for non singapore residents

Plan Options

Our International Travel Insurance Plans

With a core International Travel Insurance policy, additional policy options and destination tailoring, you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.

Medical Evacuation

This is the core policy option, which provides the important medical cover against the high cost of medical treatment and emergency medical evacuations.

  • Emergency medical treatment
  • Accidental medical treatment
  • Emergency medical evacuation
  • Repatriation

Enhanced Benefits

Optional protection against additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

  • Baggage delays and loss
  • Money and documents
  • Travel delays
  • Non-medical evacuation

Cancellation & Curtailment Cover

Optional cover to protect you in the event that your trip is unexpectedly cancelled, or you are forced to return home early.

  • Trip cancellation
  • Returning home early
  • Compassionate repatriation
  • Treatment & evacuation

Policy Benefits

Key Benefits of our International Travel Insurance Policies

Discover more about our Travel Insurance policy benefits, put in place to protect you against unforeseen and unexpected events when you’re overseas. Depending on the policy you select we can help you with medical, financial, and logistical issues.

Emergency Medical Evacuation

Travel Insurance with us covers charges for emergency evacuation when treatment is not available locally and deemed necessary. You will be moved to a suitable location based on the expertise of medical advisors and your attending physician. You will be safe in the knowledge that you will receive the treatment you need in a safe and appropriate location.

Emergency & Accidental Medical Treatment

Falling ill or becoming injured overseas can be daunting prospect, especially in rural or lesser developed locations. Furthermore, language can often be a hurdle that many without the correct insurance cover have to navigate. Travel Insurance is in place to give you peace of mind that whatever happens, you will receive the expert care and treatment you need.

Enhanced Benefits & Protection

We offer a core Travel Insurance policy, to which you can add different benefits. This puts policy flexibility in your hands, allowing you to choose the Travel Insurance you need. This optional level of protection also covers you against the additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

Travel insurance cancellation and curtailment provides cover should you need to cancel your trip before you depart or cut your time overseas short. Reasons can include everything medical, including sickness, serious injury, or death. On the opposite side, cover can also include (but is not limited to) strikes, industrial action, redundancy, or your travel operator collapsing.

Medical Insurance

International Travel Insurance to Suit You

Whilst Expatriate Group offer a core Travel Insurance policy with different add-on benefits, we also offer different types of specialist cover which may be better suited to your travel insurance needs.

Comprehensive Cover

  • Travel Medical Insurance

Cover for up to $/€/£1,000,000 for emergency and accidental medical treatment whilst you’re abroad. Just choose between single trip or annual trip cover so that you’re protected on your travels.

travel insurance for non singapore residents

  • Instant last minute cover
  • Comprehensive cover
  • Single or annual policy
  • Emergency transport

Suited for Flexibility

Non-Resident Travel Insurance

Expatriate Group Travel Insurance for non-residents is designed for people who reside outside of their country of nationality. Additional enhanced benefit options are available to add to your package.

travel insurance for non singapore residents

  • Cover for EU or EEA residents
  • Flexible cover up to 180 days
  • One-off premium payment
  • Comprehensive protection

Outbound Cover

  • One Way Travel Insurance

Do you need insurance to cover to a single outbound trip? Our standard travel insurance policy can be tailored to cover just one-way travel for expats and travellers alike to any global destination.

travel insurance for non singapore residents

  • One trip travel insurance
  • Covered from departure to destination
  • Max duration 180 days

Unexpected Circumstances

  • Single Trip Travel Insurance

From valuable medical cover to vital cancellation cover, our single trip insurance policies ensure that you’re protected against unexpected circumstances. The ideal solution if you want to cover a specific trip overseas.

Single Trip Insurance

travel insurance for non singapore residents

  • Covered from purchase to return home
  • Medical cover
  • Cancellation cover
  • Protected against unforeseen scenarios

Unlimited Cover

Annual Travel Insurance

Save time and money when you’re going on holiday or a business excursion with Annual Multi-Trip Insurance. It takes the stress away from having to search, compare and purchase a new policy every time you travel.

travel insurance for non singapore residents

  • European or worldwide cover
  • Cover every time you travel
  • Destination tailoring
  • Flexible travel insurance

Working Abroad

  • Business Travel Insurance

Travelling for work requires the same level of travel insurance as any other trip. International Business Travel Insurance will cover you should your travel plans suffer, from missing your flights to losing your laptop.

travel insurance for non singapore residents

  • Single or annual business cover
  • Europe or worldwide
  • Laptop travel insurance
  • Cancellation & curtailment

The Benefit Schedule

The benefit schedule is a summary of travel cover and must be read in conjunction with the policy wording . All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.

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travel insurance for non singapore residents

International Travel Insurance FAQs

Who can i cover with my travel insurance policy.

You can include cover for up to 10 people in your Travel Insurance quote . Infants aged 14 days up to the age of two are included in the coverage of an insured parent or guardian for no additional premium, but they must be declared at the time of initial purchase.

What types of International Travel Insurance can I take out?

We offer six different types of travel insurance here at Expatriate Group to ensure that you are covered no matter how you’re travelling.

The type of travel you choose will depend on where you’re going, how long for and what you want to be covered for.

We have expat insurance policies for:

  • Annual Multi Trip Travel Insurance
  • Non UK Resident Travel Insurance
  • International Health Insurance

We also offer a cashless health insurance solution for corporate customers.

Will I be covered for day trips, excursions, and holidays with multiple destinations?

When going on holiday you will be covered for general leisure sports and activities that are detailed in the leisure chart provided when purchasing your policy.

Extreme sports, such as sky diving, scuba diving, white water rafting and more will require an additional level of cover and will need to be communicated when requesting your Travel Insurance quote .

If you are planning on visiting another country during your holiday, you will need to include these details when purchasing your insurance policy.

How much will my Travel Insurance policy cost?

The total of your travel insurance policy will depend on a number of factors such as; age, destination, holiday duration, activities, and pre-existing medical conditions.

We tailor each policy according to your specific needs. To find out how much travel insurance will cost you, get a Travel Insurance quote today.

Can I get Travel Insurance cover with a pre-existing medical condition?

You will only be covered for pre-existing medical conditions that you declare when purchasing your policy. If you fall ill from a pre-existing condition that you have not declared, you will not be covered and will most likely be unsuccessful in your  claim .

I don’t live in the UK, can I still buy an Expatriate Group Travel Insurance policy?

Yes, we offer  Travel Insurance for Non-UK Residents .

How long can I travel for?

When taking out a  Worldwide Single Trip Insurance and  One-Way Trip  policy your trip must not exceed 180 days and may not be combined with any other policy to exceed this limit.

If you’re purchasing an  Annual Multi Trip Insurance policy your holiday must not exceed 90 days in total.

If you require insurance for a longer period of time, International Health Insurance may be the ideal choice, particularly if you are moving abroad.

Am I eligble to purchase your travel insurance?

We are able to insure:

Single Trip Policy: A Single Trip Policy can be purchased before the Insured Person obtains age 72;

Annual Multi-Trip: An Annual Trip Policy can be purchased before the Insured Person obtains age 71. This Policy will not be renewable at the anniversary date;

provided that you are departing from and returning to the same country (or have a defined destination country of one-way trip) and you are not travelling to a country/region where the UK FCO advises against ( www.gov.uk/foreign-travel-advice ).

Is your expat travel insurance worldwide?

Yes, our policies have an option to provide cover in Europe only or Worldwide. The Europe only option is cheaper than the world wide option and allows some customer to tailor the product to their own travel plans.

Did you know that we offer a variety of Travel Insurance products to best suit your needs? Check out our  Annual Travel Insurance ,  Business Travel Insurance ,  Single Trip Travel Insurance ,  One Way Travel Insurance ,  Travel Insurance for Non-UK Residents and  Travel Medical Insurance .

What is my country of residence?

Your country of residence is whichever country you are travelling from (and usually back to, unless you have purchased a one-way trip policy) regardless of your immigration or nationality status. This is the country to where you will be returned in the event of a repatriation claim.

Can I purchase a travel policy for a child travelling alone?

Yes, provided that the child is at least 5 years old.

Do I need to declare pre-existing conditions such as diatbetes, high blood pressure or hypothyroidism?

No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.

What does ‘pre-existing medical condition’ mean?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication, whether diagnosed or undiagnosed, or have experienced symptoms of, prior to purchasing this policy.

If I need to be repatriated, which country will I be taken to?

You will be repatriated to the country that you nominate as your country of residence. However, repatriation to a different country can be considered upon request if the cost is equitable, if it doesn’t affect your health/medical outcome and if you have access to healthcare in such a country.

What does your travel insurance policy cover?

Our basic policy provides cover for emergency medical treatment, not related to any pre-existing medical conditions, and repatriation, up to the value of Euro 1 million.

If you wish to include cover for additional benefits such as personal belongings, luggage or travel delay, you will need to purchase Add On Option 1. To include Cancellation & curtailment of your trip you will need to purchase Add On Option 2.

Should I choose worldwide or European cover?

European cover should be selected if your destination country, or countries, is within the continent of Europe. The countries listed as Europe can be seen in the question mark display button next to destination when getting a quote.

Worldwide cover should be selected if the country of your destination is not listed as being within Europe.

How many countries can I visit on a single trip policy?

You can visit as many countries as you wish within the period of cover and your selected destination area.

Where can I explore expat travel insurance?

Our main  expat travel insurance  web page provides you with the plan details and also allows you to get an instant quote for your cover. If you’re happy with the plan benefits and premium, you can buy online too!

Is your policy wording available in all languages?

Although our plans are available to all nationalities living anywhere in the world, the contract wording is only currently provided in English language. Therefore please ensure that you are fully conversant with English language before purchasing one of our plans.

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Who is covered?

All foreign travellers arriving in Singapore (excluding Singapore Residents) can be covered under this policy.

Singapore Resident means Singapore citizen, Singapore permanent resident, a holder of a valid work permit, employment pass, dependant’s pass, long-term visit pass, S pass or student pass issued by the authorities in Singapore.

For an individual traveller.

The Group policy is only applicable for up to 9 companions travelling on the same journey.

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Top Travel Insurances for Singapore You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The island city-state of Singapore is famous for its modern architecture, clean streets, vibrant culinary scene, and eco-friendly urban environment. While small, the city contains many iconic landmarks such as Marina Bay Sands and Gardens by the Bay. Although travelling to Singapore can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Singapore and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Singapore Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore:

Best Travel Insurances for Singapore

  • 01. Should I get travel insurance for Singapore? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Singapore scroll down

Heading to Singapore soon? Don't forget to check the following list before you travel:

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  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Singapore?

Yes, travel insurance is mandatory for travel to Singapore. This means that as a traveller to Singapore, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Singapore, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Singapore or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Singapore:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Singapore. It lets you choose between various plans tailored to meet the specific needs of your trip to Singapore, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote 🡪

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Singapore:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Get a quote 🡪

  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get a quote 🡪

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Singapore? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Singapore

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Inbound Travel Insurance

SG Travel Insured is a COVID-19 travel insurance plan specially designed for short-term foreign visitors arriving in Singapore, excluding Singapore Residents. 

travel insurance for non singapore residents

As part of the COVID-19 travel insurance and medical treatment guidelines for inbound travellers, all short-term visitors who are not vaccinated will need to have travel insurance for their COVID-19-related medical treatment and hospitalisation costs in Singapore, with a minimum coverage of S$30,000. From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore for entry into Singapore 1 . As one of the appointed insurer by the Emerging Stronger Taskforce Alliance for Action (EST-AfA) on Enabling Safe and Innovative Visitor Experiences to provide inbound travel for foreign visitors, SG Travel Insured provides up to S$250,000 coverage for COVID-19 related costs. With 4 plan types with different levels of coverage to choose from and affordable premium from as low as S$19.15, SG Travel Insured helps defray the costs of COVID-19 medical treatment in Singapore and provides greater peace of mind in the event of other travel mishaps due to COVID-19.

COVID-19 Related Benefits

  • Hospitalisation and Medical Expenses
  • 24-hour Assistance Hotline
  • Repatriation of Mortal Remains  (optional add-on)
  • Trip Cancellation  (optional add-on)
  • Trip Curtailment  (optional add-on)
  • Hospital Cash  (optional add-on)

What is SG Travel Insured?

SG Travel Insured is an inbound travel insurance, with COVID-19 cover, specially designed for short-term visitors to Singapore. 

Do all travellers entering Singapore require mandatory insurance coverage?

(Updated on 31 March 2022) In addition to pre-departure COVID-19 tests and entry visa (where applicable), foreign short-term visitors who are not fully vaccinated must also purchase travel insurance, with a minimum coverage of S$30,000, for COVID-19 related medical treatment and hospitalisation costs, prior to their travel to Singapore.  From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore.  For more information visit the ICA website here:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

I am fully vaccinated. Do I still require COVID-19 Travel Insurance?

From 1 April 2022, short-term visitors who are fully vaccinated are not required to have travel insurance for their COVID-19 related medical treatment and hospitalisation costs in Singapore, for entry into Singapore [1] . You may wish to review your current protection plans to assess if COVID-19 Travel Insurance is relevant to your needs. A COVID-19 Travel Insurance policy like SG Travel Insured  can help foreign short-term visitors defray the costs of COVID-19 medical treatment in Singapore and provide greater peace of mind in the event of other travel mishaps due to COVID-19. 

Does SG Travel Insured provide the mandatory insurance coverage requirement?

Yes, the mandatory insurance coverage is S$30,000 for COVID-19 related medical treatment and hospitalisation costs in Singapore and SG Travel Insured provides  up to S$250,000 coverage  for COVID-19 related costs.

Who can purchase SG Travel Insured?

SG Travel Insured is available to short-term visitors travelling from all countries and territories^ (except Sanction countries*).

^ Please note that this is subject to change, depending on the developments of the COVID-19 situation.

* Sanction countries refer to: Iran, Syria, Cuba, North Korea, North Sudan, Crimea and Venezuela.

Can I purchase SG Travel Insured for my child?

You may purchase SG Travel Insured for your child who is between the age of 1 month to 17 years old as long as:

  • he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days); and
  • he/she is accompanied by you.

I’m an Employment Pass holder currently residing in Singapore. Can I purchase SG Travel Insured for a family member who will be visiting Singapore for short-term stay?

Yes, you may purchase SG Travel Insured for your family member as long as he/she is entering Singapore as a short-term pass holder for leisure purpose (maximum 90 days).

Does SG Travel Insured provide cover for Training Work Permit workers on work pass in-principle approvals (IPAs)?

No, this policy does not cover Singapore Residents and training work permit workers falls under this category. Singapore Resident means Singapore citizen, Singapore permanent resident, a holder of a valid work permit (training work permit included), employment pass, dependant’s pass, long-term visit pass, S pass or student pass issued by the authorities in Singapore.

Where can I purchase SG Travel Insured?

You can get a quote or purchase SG Travel Insured online ( click here ).

Do I need to provide any documents when purchasing SG Travel Insured?

No, you’re not required to submit any documents. You will only need to complete the required fields during your online policy application ( click here ). 

1 SafeTravel by the Immigration and Checkpoints Authority (ICA). COVID-19 Travel Insurance and Medical Treatment for Inbound Travellers:  https://safetravel.ica.gov.sg/health/insurance-and-treatment 

Purchase SG Travel Insured now

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International Travel Insurance

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Before you make a purchase, though, you should make sure your questions are answered. What does international travel insurance cover? How much does it cost? Why is it important to both US and non-US citizens, and which are the best plans for global travelers? We’ve done a lot of the legwork for you, so you can have one less thing to worry about as you plan your adventure abroad.

Is Travel Insurance Worth It?

The short answer is a big resounding yes. A 2018 survey conducted for the US Travel Insurance Association (USTIA) revealed that only 22% of Americans — or roughly one out of five — whose travels were impacted by medical conditions, natural disasters, and other events had a quality plan to cover their needs. Post Covid, that percentage has increased to 38% according to Business Insider. This is a huge gamble on your vacation investment if you go abroad without being prepared for any crisis. But one problem is that most people don’t have a sense of what good travel insurance is, or covers. We will address those questions below.

What Is Travel Insurance?

Travel insurance is a blanket term for coverage that protects either your health, your travel expenses, your belongings, your travel plans or all of the above. Depending on the type you select, you can recoup your money if your trip is canceled, have lost luggage found or replaced, get top-flight medical care wherever you are in the world or be covered for risky activities like parasailing, scuba diving or rock climbing.

The most important benefit comes from travel health coverage, which will cover whatever isn’t included in your domestic health plan.

Pro Tip : Visit our Plan Picker to find the best plan for your situation.

What Does Travel Insurance Cover?

Travel insurance companies can cover many different types of unexpected difficulties, from losing your luggage to breaking your leg while skiing. However, most travel insurance plans do one of two things.

What are the two basic types of travel insurance?

The two main types of plans are trip cancellation and travel medical insurance .

Trip cancellation protects you if you need to cancel your trip while offering the additional benefits included in a travel medical plan detailed below. These policies usually cover the cost of the trip, with some additional benefits (lost luggage, trip delay, etc.). With trip cancellation, you can recoup most of the money that you spent on the trip, so long as the cancellation happens for “covered reasons,” which differ depending on the policy. These plans are short-term insurance solutions, usually available for a period of between 1 to 90 days.

Related: Cancel for Any Reason Plans

Travel medical insurance is designed to fill the gaps in your existing domestic health care plan that are not covered when you travel abroad. A short-term international medical policy gives you access to a global network of doctors, emergency assistance services, and translators who will help you in a medical emergency. Travel health insurance will cover your expenses for illness and medical emergencies while traveling, along with the additional benefits like trip cancellation mentioned above. This type of coverage is usually available for between 5 days and one year and can be renewable for additional periods up to a maximum of 3 years.

How Does Travel Insurance Work?

With both types of policies, you can receive a quote, apply, and purchase online. Costs will vary depending on your age, the cost of your trip, the total amount of coverage you select, and any deductible you choose. Once you are confirmed with the coverage, you will receive your plan documents with instructions on how to use the policy if the need arises.

What Kind of Insurance Do I Need for International Travel?

Especially in today’s climate, with pandemics, natural disasters and other unexpected obstacles, your plans for international travel can change at any time. And if they don’t change, accidents can happen. It’s harder to get medical care when you’re far from home, and the costs can really add up — for you, and for your family.

With trip cancellation coverage you can recoup most of the money that you spent on the trip. And travel medical plans will cover your expenses for illness and medical emergencies that occur while traveling. Our licensed advisors can also help you find the best medical care available where you’re going, connect you with doctors that speak your language, and arrange for transport home if things get really serious.

How Many Days Before a Trip Should You Buy Travel Insurance?

While plans can be purchased up to one day prior to departure , with certain travel insurance companies you should plan ahead farther than that! For example, some plans need you to purchase coverage at least two weeks prior to departure to ensure that your plan is active and will cover you for the duration of your travels. When working with one of our brokers and comparing travel insurance plans, make sure to check with them about the best time to buy.

Travel Coverage Options

We offer travel insurance plans for those traveling within their own countries, but most of our offerings are for international travel. Here are some of the best plan options we offer.

Will Travel Insurance Cover Cancellation?

Imagine having saved up for your vacation and you're all ready to head off when disaster strikes and the airline you are flying goes bankrupt! Or investing thousands of dollars for your dream to travel overseas when you are suddenly laid off from your job! These and various calamities can happen, and we can never plan for all eventual outcomes. However, if you purchase a travel policy, you can protect your investment if you need to make changes and cancel your plans under any circumstances.

Trip Cancellation - Covers the cost of your trip with some additional benefits (emergency medical, trip interruption, lost luggage, trip delay, etc.)

We recommend two main plans for trip cancellation coverage. The Safe Travel Voyager plan is excellent for US citizens traveling abroad. The WorldNomads plan is our recommended plan for people who reside outside of the USA.

Trawick

Safe Travels Voyager

  • Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
  • Cancel for Any Reason available
  • Up to $250,000 in emergency medical coverage

World Nomads Insurance

World Nomads Travel Insurance

  • Coverage for 200+ adventure activities
  • Generous benefits for lost and stolen bags and gear
  • 24/7 emergency assistance

Recommended International Travel Medical Policies

Travel Medical Insurance - Covers emergency medical expenses as well as other risks for visits of less than a year, whether you’re a US citizen traveling overseas or visiting the US from abroad. Additional benefits include trip interruption, medical evacuation, repatriation, and more.

WorldTrips Atlas travel insurance

  • Emergency medical, evacuation, repatriation benefits
  • Choose between the basic and more extensive coverage
  • Meets Schengen visa insurance requirements
  • 24/7 worldwide travel and emergency medical assistance

International Medical Group (IMG) Logo

Patriot Platinum Travel Insurance

  • Maximum limits up to $8,000,000
  • IMG pays 100% of medical expenses in-network
  • Evacuation due to Natural Disasters & Political Unrest

International Plans for US Citizens

Different plans cover citizens of different countries, and we recommend particular plans for US citizens traveling abroad. The Voyager Plan product is a premium option. Alternatively, the Atlas Travel policy provides similar benefits at a more affordable rate. Seven Corners is also affordable for US citizens and provides comprehensive protection.

BCBS Travel Insurance

GeoBlue Voyager Plan

  • For U.S. citizens up to age 95
  • Includes pregnancy coverage, baggage loss, trip interruption & more
  • 24/7/365 service and assistance

Additional Plan Options

For some travelers, simple medical coverage or trip cancellation might not be enough. If you enjoy extreme sports, are visiting a dangerous location, or want backpacking insurance, you might want to add some things to your policy. Check out these articles on more comprehensive travel insurance.

  • Emergency Evacuation - Assistance and transportation to the most appropriate hospital in an emergency situation
  • Extreme Sports Coverage - Coverage for participants in Adventure or Extreme Sports
  • Visitors Insurance - Cover for those visiting a friend or family member abroad
Related: International Health Insurance - Long-term health benefits, also known as expatriate insurance , for international citizens living abroad for a year or more

Do You Need Travel Insurance for International Trips?

It’s a really great idea to have travel health insurance. Even if your domestic plan provides some coverage while you are abroad, you may have to pay “out of pocket” for your expenses until you get reimbursed by your current provider. Most health insurance for travel abroad pays or reimburses you directly and more efficiently.

One of the biggest hurdles when filing a claim is working with foreign hospitals and translating the documents related to your healthcare. International travel insurance companies have expertise in working with these situations. They make international assistance call centers do the translation so that communication problems are resolved more quickly.

Related: Best Travel Insurance Companies

Here are other situations where it pays to have travel cancellation protection as well.

For instance, say you have saved up for a vacation and are all ready to head off to your destination when disaster strikes. Out of nowhere, a hurricane hits the coast you’re supposed to be sunning yourself on, the island loses power, and the hotel can’t receive guests. What will you do in this situation? How will you recover the money you spent on lodging?

Another situation goes like this. You have invested thousands in your planned overseas travel when someone in your family gets in an accident and can no longer go. How can you get your money back in this situation?

These are just some of the possibilities that can occur unexpectedly. There are a wide variety of calamities that can happen and you can never plan for all possible outcomes. But if you buy a travel policy, you can protect your investments, make changes to your trip, or cancel your plans for whatever valid reason it may be, and still get the insured amount like nothing happened.

How Much Does International Travel Insurance Cost?

The cost of a quality global travel insurance plan will vary based on several factors. As outlined above, policies that include trip cancellation will be more expensive. A good travel cancellation insurance plan will run you approximately 5% of your overall trip cost — more if you are older, less if you are younger.

Estimated costs of a travel health plan, including trip cancelation coverage for a 40-year-old traveling for 30 days (outside of the USA) with an entire trip worth $5,000:

  • Travel Medical plan with Trip Cancellation: $337  ($11 /day)*
  • Travel Medical plan with Trip Cancellation and Cancel for Any Reason coverage: $569  ($19 /day)*

The costs above were calculated based on Trawick's Safe Travels Voyager plan (Available to U.S. Citizens Only)

There is also an option to buy coverage on a daily or monthly basis. Costs range from $1-5 per day or more, depending on your age, your trip details, and the overall benefits package you select. Plans with a lower medical limit and high deductible will cost less, and vice-versa.

*Rates were last updated on April 10, 2024.

Is My US Health Insurance Valid Internationally?

Most of the time, the answer to this question is “no.” While you may be able to get your US policy to reimburse you for medical expenses abroad, it may take a long time, and you’ll have to pay out-of-pocket until then. Health insurance for travel abroad means that you don’t have to worry about whether you’ll be covered if the worst happens.

We selected the following plans for a combination of great service and affordable pricing. There are less expensive options that do not offer the same level of service. The options below offer the best value.

Get Travel Medical Insurance for US Citizens Abroad

Best trip insurance plan for us citizens, international medical travel insurance for non-us citizens traveling abroad.

Below is an excellent plan for those living outside of the USA. This option is affordable yet comes with excellent benefits and a high level of service.

For internationals living outside of the USA and traveling abroad, consider the WorldNomads plans, including trip cancellation coverage if needed.

International Plans for Students

International Student Plans are available to anyone studying in a foreign country, including their family. You may purchase a student policy on your own as an alternative to the plan your school offers since in some cases, these are more affordable yet more comprehensive. This option often makes more sense for older students, OPT Visa Holders , married students, or students with families.

WorldTrips

  • Provides Medical, Dental, Evacuation and other Benefits
  • Keep your coverage when your studies last multiple years
  • Medical providers are available in over 130 countries worldwide

Plans with COVID-19 Coverage (Coronavirus Cover)

We are happy to introduce the Seven Corners Travel Medical Insurance plan, which covers COVID-19 (Coronavirus) the same as any other illness up to age 64. This plan protects you if you contract COVID-19 while on an international trip.

Seven Corners Insurance

Seven Corners Travel Medical Insurance

  • Comprehensive medical coverage with benefits up to $5,000,000.
  • Adventure activities coverage available.
  • Emergency Medical Evacuation protection up to $500,000.

International Plans for Groups

For a group of 5 or more travelers, including corporate , non-profit , missionary , or other groups, we can design comprehensive plans at affordable rates to meet your specific needs. We work with various providers to help you review and compare multiple plans and find the one that best fits your organizational needs. Learn More about International Group Insurance Plans or Request a Group Quote .

Related: Group Travel insurance Plans

Questions to Ask When Buying Your Policy

As you have seen from the different types of travel protection plans outlined above, not all are the same in terms of coverage. Some are more comprehensive, and some benefits can be purchased as add-ons (or riders) to cover extreme sports or additional medical evacuation benefits. With these in mind, here are some considerations when purchasing a plan.

Coverage Requirements

  • Do I need preauthorization before receiving treatment, hospital admission or other medical services?
  • Do I need a second opinion before I can receive emergency treatment?
  • What are company policies regarding coverage of care received “out of network”?
  • Does the company provide policyholders access to a 24/7/365 physician-backed support center?

Potential Exclusions

  • Does this policy include/exclude coverage for treatment of injuries sustained while participating in high-risk activities (e.g. skydiving, scuba diving and mountain climbing)?
  • Does this policy include/exclude coverage for psychiatric emergencies?
  • Does this policy include/exclude coverage for treatment of injuries related to terrorist attacks, acts of war or natural disasters?

Preexisting Medical Conditions

  • Does this policy cover exacerbations of preexisting medical conditions?
  • Does this policy cover complications of pregnancy and/or neonatal intensive care?

Source: CDC

Related: Travel Insurance Buying Tips

Why Would You Want Travel Insurance? Debunking Coverage Myths

Myth 1: i don’t need to buy it because i’m already covered..

People often think their health or homeowners policies, credit cards, and other means will fully cover them in case of travel emergencies. However, neither health, homeowners, nor most credit card insurance policies reimburse non-refundable travel payments if you need to cancel a trip because of illness. Likewise, domestic health policies may not cover medical evacuation , especially abroad, nor will other types of coverage help reimburse emergency expenses for accommodations and incidentals if your plans are interrupted or delayed because of a natural catastrophe. According to a survey conducted by the USTIA, no single source provides the full spectrum of coverage and services that comprehensive coverage will provide.

Myth 2: Nothing will happen to me.

One in six Americans (17%) say their trip details and schedules have been impacted by medical conditions, natural disasters including severe weather, or mechanical or carrier-caused problems, according to another survey for USTIA. When unforeseen events — from medical emergencies to a lost passport to being caught in a storm — derail a trip, a good plan will provide financial coverage and medical services. Consider that a medical evacuation alone could cost up to $100,000 or more. Travel insurance companies also provide a support network to assist you, from coordinating emergency medical care to helping locate overnight accommodations, obtaining paperwork for lost or stolen passports, and more.

Myth 3: My pre-existing condition won’t be covered.

Some policies cover pre-existing conditions if the policy is purchased within a set amount of time — usually two weeks — following the initial trip payment. Since requirements may vary, UStiA suggests travelers check with their travel insurance company .

Myth 4: My policy won’t cover me if something happens to my family or traveling companion.

Most policies cover trip cancellation or interruption due to an unforeseen family illness or injury back home. Likewise, policies usually cover trip cancellation, interruption, or delay due to illness or injury of a traveling companion..

Myth 5: I can always get a refund from my travel supplier.

Refund policies vary among travel suppliers like airlines, hotels, resorts, cruises, and tours. Many low-cost airfares, for instance, are nonrefundable. Resorts, hotels, cruises, and tours have a non-refundable deposit and payment rules for reservations not canceled within a certain time. Without trip insurance , travelers risk losing all or part of their deposits and payments if they have to cancel for a covered reason. Some travel suppliers provide a waiver allowing travelers to rebook their trip within a given time frame. However, the right policies will refund unused non-refundable payments without requiring the traveler to rebook their vacation arrangements.

Myth 6: Travel insurance is only cancellation coverage.

Policies typically cover far more than cancellation. It covers the entire trip from beginning to end, including interruptions or delays due to illness, injury, severe weather, and more. Travel medical insurance covers medical expenses for emergencies during the trip. It provides assistance services, such as locating legal aid, help in replacing lost or stolen documents, finding emergency hotel accommodations, and more.

To help dispel misconceptions about the need for travel protection, here are some common myths explained.

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Securing coverage should be at the top of your travel checklist before going on your international trip. You don’t want that nagging worry while enjoying your dream vacation just because you haven’t made a contingency plan if you suddenly fall on bad luck.

International Citizens Insurance is the premier provider of international insurance plans. Don't be overwhelmed by our wide range of products, as we have licensed brokers who are always available to walk you through the process and help you find the policy that will fit all your needs.

Research, Compare Plans , and Buy Online before you go!

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Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

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Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

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Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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COVID-19: 8 Ways Travel Insurance for Singapore Residents

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter in 2021

As the world brings COVID-19 under control in 2021, Allianz Travel’s insurance policies have evolved to give Singaporeans and the Residents of Singapore the cover they need to travel with confidence - with new cover for COVID-19 if you’re being diagnosed*.

Just over a year since COVID-19 shook the world, there's light at the end of the tunnel. The "new normal" is on the horizon thanks to a host of vaccines - not to mention effective control measures. All aspects of living may start to return to normal, including work, social life - and travel.

For Singapore residents who love to travel, 2021 will - hopefully - be much better than 2020.

But there's no denying the world - and the nature of travel  - has changed. With these changes, the needs of Singapore's travellers have changed too. That's why Allianz Travel has evolved.

Welcome to Travel Simplicity in three simple, smart cover levels*:

Comprehensive Bronze: Affordable cover with 24/7 Emergency Assistance.

Comprehensive Silver: with cover for document and money replacement.

Comprehensive Platinum: Our maximum-protection policy with additional cover for sports equipment and cruise trips.

Travel Cover That Meets Your Needs during Pandemic

1. covid-19 protection when you’re being diagnosed* (on all policies).

We'll cover your medical costs if you fall ill with COVID-19 while overseas, provided the Singapore government has not advised against travel to your destination.

We'll also cover you if your trip is interrupted or delayed because you or a travelling companion falls ill with COVID-19. 

COVID-19 presents one of the biggest anxieties for travellers in 2021, but with this new benefit, you can feel safe in the knowledge you're covered if you're affected by the virus.

2. Pandemic and Epidemic Cover If You’re Affected* (on All Policies)

3. supervised sport coverage* (on all policies), 4. assistance: document and money replacement*.

(Comprehensive Silver & Platinum policies only)

Getting your important documents replaced can be expensive. But if your passport ID card or other key travel document is lost, damaged or stolen while you’re abroad, we'll cover the costs of replacement (Comprehensive Silver & Comprehensive Platinum policies only). Covered documents include national identity card, residence permit, driving licence, registration certificate, passport, boat licence, fishing and hunting licence.*

We’ll also cover the cost of replacing money that is lost or stolen.*

5. Sporting Equipment Coverage*

(Comprehensive Platinum policies only)

Sporting equipment can be very expensive to repair or replace. But with a Comprehensive Platinum policy you'll be covered against damage to, or loss/theft of your sporting equipment while abroad.*

6. Cruise Coverage*

Unlike our other policies, Comprehensive Platinum covers you for cruise trips. With this in place, you'll be covered against a missed port of call; interruption caused by high/low water levels; cabin confinement; missing shore excursions; and being denied boarding. And of course, you'll benefit from Covid-19 cover and unlimited medical cover** throughout your cruise.

7. 24/7 Emergency Medical Assistance* (All Policies)

8. no-quibble 14-day refund, a travel insurance policy for everyone.

With Allianz Travel's evolved insurance, there's a travel insurance policy for everyone. From our affordable Comprehensive Bronze, to the additional benefits of Comprehensive Silver - to our comprehensive coverage  policy, Comprehensive Platinum, getting travel insurance has evolved.

It's the smarter, simpler, safer way to protect yourself and your family while abroad.

Our Promises to You

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International Health Insurance*

Ensure your medical expenses  are covered home & overseas.

5 Allianz Global Corporate & Specialty Singapore Branch is the insurer and Allianz Care is the administrator. Whenever we use the terms “we”, “us” and “our” in the pages dedicated to the international health insurance we offer, it will refer to both entities.

The insurer is Allianz Global Corporate & Specialty SE Singapore Branch, address 79 Robinson Road, #09-01 068897, Singapore. Company Registration No. T11FC0131K. This policy is supported by AWP Health & Life SA, trading as Allianz Care, a limited company governed by the French Insurance Code and acting through its Irish Branch. Part of the Allianz Group, AWP Health & Life SA is registered in France: No. 401 154 679 RCS Bobigny. Irish Branch is registered in the Irish Companies Registration Office, registered No.: 907619, address: 15 Joyce Way, Park West Business Campus, Nangor Road, Dublin 12, Ireland. AWP Health & Life SA provides administration services and technical support for the policy. Allianz Care and Allianz Partners are registered business names of AWP Health & Life SA.

About Allianz Global Corporate and Specialty

Allianz Global Corporate & Specialty (AGCS) is a leading global corporate insurance carrier and a key business unit of Allianz Group. We provide risk consultancy, property-casualty insurance solutions and alternative risk transfer for a wide spectrum of commercial, corporate and specialty risks across 10 dedicated lines of business. Worldwide, AGCS operates with its own teams in 32 countries and through the Allianz Group network and partners in over 200 countries and territories, employing over 4,450 people. As one of the largest Property-Casualty units of Allianz Group, we are backed by strong and stable financial ratings. In 2019, AGCS generated a total of €9.1 billion gross premium globally. For more information, please visit Allianz Commercial  or follow us on Twitter @AGCS_Insurance and LinkedIn .

About Allianz Care

Allianz Care provides international health, life and disability cover and services to a wide range of customers, including multinational companies, intergovernmental organisations and private individuals and families. Our mission is to ensure that customers have access to quality healthcare through our support, care and commitment to go the extra mile. We are a truly global health partner ensuring fast and simple access to the best advice, treatment and value for our customers. Allianz Care is the international health brand of Allianz Partners. For additional information, please visit  Allianz Care or connect with us on Facebook and LinkedIn.

Understanding Travel Insurance Terms and Exclusions

Travel Insurance

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.

Travelling to EU Countries with Allianz Travel Singapore

Travelling to EU Countries with Allianz Travel Singapore

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

Solo Travel Safety Tips for Adventurous Solo Explorers

Tips for Planning a Budget-Friendly Travel Adventure

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

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

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

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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!

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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.

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Schengen vs National Visa: What Are The Differences?

Discover the differences between Schengen and National visas in this comprehensive guide. Learn Which one is right for you and how to navigate the visa application process.

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Trending Topics

Follow our news, recent searches, non-compete clause not 'fair': court dismisses injunctions against ex-moneysmart employee who joined rival, advertisement.

The case came about after the ex-employee started working as the head of engineering for a subsidiary of MoneyHero Limited - MoneySmart's rival.

A screenshot of MoneySmart's website.

This audio is AI-generated.

travel insurance for non singapore residents

Koh Wan Ting

SINGAPORE: The High Court dismissed interim injunctions granted to financial website MoneySmart that prevented a former employee from working for a rival firm, after concluding that the non-compete clause was unreasonable and unfair. 

The non-compete clause was also "against the interests of the public". It was therefore not valid or enforceable, said Senior Judge Tan Siong Thye in a judgment dated on Tuesday (Apr 2), in which he ruled in favour of the former employee, Mr Artem Musienko.  

The non-compete clause, commonly found in employment contracts, restricts an employee from working for competitors for a certain period after their current employment ends. 

MoneySmart, which operates in Singapore, Hong Kong and has a presence in Taiwan and the Philippines, provides online financial product comparison services for customers to review, compare and buy such products through its website. 

In 2022, it launched insurance brand Bubblegum, and hired Mr Musienko to be head of technology in July that year.

As part of his job scope, the Russian led the design, product and technology department for the Bubblegum division to create the brand's platform and mobile application and ensure its functionality. 

He resigned from MoneySmart on Nov 23, 2023, with his last day of employment on Jan 12, 2024. 

Three days later, Mr Musienko started working as the head of engineering for CAG Regional Singapore, a subsidiary of MoneyHero Limited - MoneySmart's rival. 

Similar to MoneySmart, MoneyHero has its own insurance brand, Seedly Travel Insurance, distributed by a subsidiary in Singapore. 

On Jan 25, MoneySmart filed a suit seeking a 12-month injunction - starting from Jan 12 - to stop Mr Musienko from acting in breach of the non-compete clause.

These included directly or indirectly engaging with any business in Singapore and Hong Kong that provides online financial product comparison services. 

MoneySmart, represented by law firm Shook Lin & Bok, argued that such businesses included MoneyHero Limited and its associated companies. 

The company also sought an injunction to restrain Mr Musienko from acting in breach of the confidentiality clause by using or disclosing all information about MoneySmart. 

It sought damages arising from loss it suffered from the breaches of both the non-compete clause and the confidentiality clause. 

Mr Musienko, represented by law firm Rajah & Tann, applied to set aside the interim injunctions. 

travel insurance for non singapore residents

Shopee sues ex-senior employee to stop him from working for 'competitor' ByteDance, citing non-compete clause

Arguments from both sides.

MoneySmart argued that its non-compete clause protected legitimate proprietary interests, and was reasonable as it is limited in scope of activity, geographical area and time. 

The company contended that it had built up Mr Musienko's expertise in the fintech field through training, saying he had no prior experience in the fintech industry. 

As part of its argument, MoneySmart also said the non-compete clause only restricts participation in online financial product comparison services, a niche market dominated by MoneySmart and MoneyHero. Together, they held 95 per cent of the market share in 2022. 

MoneySmart asserted that Mr Musienko breached his obligations under the employment agreement when he began work with CAG Regional Singapore.

But he countered that the non-compete clause was too wide in scope and hence unenforceable, and that it did not protect any legitimate proprietary interest.

He argued that the non-compete clause was "plainly unreasonable" as it prohibited his participation in online financial product comparison services. That's even though he was not employed in that aspect of the business, and that he was only involved with Bubblegum. 

As for the confidentiality clause, he submitted that MoneySmart had not shown that he had accessed confidential information, much less that the clause had been breached or is likely to be breached. 

He also contended that the interim injunctions should be set aside as MoneySmart had failed to make "full and frank disclosure", including mischaracterising his working experience before he joined MoneySmart. 

MoneySmart failed to reveal the "acrimonious circumstances" under which he had resigned - particularly that he was effectively asked to resign, said Mr Musienko. 

JUDGE'S DECISION

The judge found that MoneySmart had not made a case that the non-compete clause can protect legitimate proprietary interest. 

Justice Tan said he was unable to accept that MoneySmart had offered training in the “specialised field” of the digital insurance industry to shore up Mr Musienko's expertise to the extent that it can be said to have invested much time and resources in his training. 

He pointed out that Mr Musienko had the relevant experience in the technology industry and even in the area of fintech before he was hired.  

Justice Tan agreed with Mr Musienko that the scope of the non-compete clause was far too wide.

"There is, at best, a very tenuous connection between the restriction against engaging with any business which provides online financial product comparison services and the work done by (Mr Musienko) while employed by (MoneySmart), much less a close connection. 

"This is because (Mr Musienko's) employment primarily concerned Bubblegum and digital insurance-related matters, rather than MoneySmart’s provision of online financial product comparison services."

The judge also ruled that the non-compete clause was too wide in geographical scope. He noted that Mr Musienko's work with Bubblegum offered products to only Singapore residents, and did not involve other countries. 

Turning to the restraint period of 12 months, the judge noted that the clause had been drafted in a "cascading manner", which may result in the court arriving at the "longest permissible restraint period". This was unfair towards Mr Musienko, Justice Tan noted. 

"Thus, for these reasons, the non-compete clause cannot be said to be reasonable as between the parties or in the interests of the public," he said.

The judge was also not satisfied that the information Mr Musienko had access to was confidential. 

Much of the information was already shared publicly, such as MoneySmart’s financial results and business plans on news sites. MoneySmart had also not treated the information as confidential - it did not label the information as confidential, and had even shared them with staff who did not need the information for their jobs.  

Mr Musienko used the information disclosed to him for the development of the Bubblegum platform, he added. 

"Thus, (MoneySmart) has failed to establish that there is a good arguable case that the alleged information was confidential and that (Mr Musienko) has breached, or will breach, the confidentiality clause."

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Cheapest travel insurance of April 2024

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Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Best cheap travel insurance

WorldTrips

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

  • Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
  • Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

  • Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
  • Atlas Journey Premier offers $150,000 in primary medical coverage.
  • Both plans have top-notch $1 million per person in medical evacuation coverage.
  • Each plan offers travel inconvenience coverage of $750 per person.
  • 12 optional upgrades, including destination wedding and rental car damage and theft.
  • No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Travel Insured

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

  • Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
  • Cheap trip insurance for cruises.
  • Offers a rare $150,000 for non-medical evacuation.
  • $500 per person baggage delay benefit only requires a 3-hour delay.
  • Optional rental car damage benefit up to $50,000.
  • Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

  • Free coverage for children 17 and under on the same policy.
  • $2,000 travel delay coverage per person ($250 per day) after 5 hours.
  • Hurricane and weather coverage after a common carrier delay of any amount of time.
  • Only $50,000 per person emergency medical coverage.
  • Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Nationwide

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

  • Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
  • Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
  • Non-medical evacuation benefit of $25,000 per person.
  • Baggage loss benefits of $2,500 per person.
  • Travel medical coverage is secondary.
  • Trip cancellation benefit for losing your job requires three years of continuous employment.
  • No “cancel for any reason” (CFAR) upgrade available.
  • Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

  • Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
  • Bundle upgrades allow you to customize your affordable travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of the best cheap travel insurance plans.
  • No “interruption for any reason” coverage available.
  • Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

Travel Insured

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

  • Age and number of travelers being insured.
  • Trip length.
  • Total trip cost.
  • The travel insurance plan you choose.
  • The travel insurance company.
  • Any add-ons, features or upgraded benefits you include in the travel insurance plan.
Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

  • Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
  • Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

  • Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
  • Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
  • Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
  • Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

  • How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
  • Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
  • The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

  • Medical emergencies.
  • Trip delays.
  • Trip interruption.
  • Trip cancellation.
  • Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

  • Rental car damage coverage. 
  • Medical bundle.
  • Security bundle.
  • Accidental death and dismemberment coverage.
  • Adventure sports bundle.
  • Pet bundle.
  • Wedding bundle.
  • “Cancel for work reasons” coverage.
  • “Interruption for any reason” (IFAR) coverage.
  • “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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California law bars non-residents from carrying a gun. Does that violate the Second Amendment?

Gun rights group the Firearms Policy Coalition is suing the state of California in federal court, arguing that a state law banning out-of-state residents from carrying guns in-state violates the Second Amendment.

“State law generally prohibits individuals from carrying firearms either openly or concealed in public, and non-residents are not eligible for a license to carry a firearm in public. Indeed, California’s unconstitutionally restrictive scheme provides no path for non-residents to carry a firearm lawfully in public at all,” the coalition argued in its complaint.

The lawsuit was filed Thursday in the U.S. District Court for the Southern District of California.

A lawsuit complaint represents one side of the story. The Bee reached out to the California Attorney General’s Office, which is charged with defending the law, for comment, but did not immediately hear back.

The lawsuit was filed on behalf of three non-California residents — Christopher J. Hoffman of Pennsylvania, Chad Orrin of Idaho, and Jennifer Sensiba of New Mexico — who are licensed in their home states to carry firearms.

Both Hoffman and Orrin are former California residents, according to the complaint.

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“As a result, California law provides no path for non-residents to obtain the license necessary to exercise their constitutionally protected right to bear arms in public for lawful purposes without running afoul of the state’s broad statutory scheme that works a total ban on carry generally,” the complaint reads.

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IMAGES

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  2. Signature Travel Insurance Now Available to Non-U.S. Residents

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  3. Is Travel Insurance Worth It? 4 Reasons You Need to Insure Your Next Trip

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  5. Travel Insurance For Non Residents

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COMMENTS

  1. Can Foreigners Purchase Travel Insurance in Singapore? Your Ultimate

    Travel insurance is a crucial aspect of any trip, and it is natural to wonder if you are eligible for it when visiting a foreign country. If you are a foreigner planning to visit Singapore, you may be wondering if you can buy travel insurance in the country. The good news is that foreigners in Singapore can buy travel insurance from specific insurers, including NTUC Income, FWD, Tiq, Sompo ...

  2. Travel Protection

    SG Travel Insured is a travel insurance plan specially designed for foreign traveller arriving in Singapore, excluding Singapore Residents. Learn More. ... As a global leader in the provision of travel insurance products and services, covering millions of travellers around the world, Chubb's suite of travel insurance plans provides you and your ...

  3. Travel Insurance

    Across all Travel Easy plan types, emergency medical evacuation and repatriation is at a high limit of $1,000,000. Don't allow yourself to be stranded when your travel operator goes bankrupt overnight! Our travel insurance provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS ...

  4. Travel insurance for Singapore

    World Nomads offers two plans for travelers going to Singapore - the Standard and Explorer plans. Each offers cover with different benefit limits for: 24/7 overseas emergency medical assistance. Medical evacuation and repatriation. Lost, stolen or damaged baggage. Cancellation of pre-paid travel arrangements.

  5. 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 ...

  6. All You Need to Know About Buying Travel Insurance in Singapore

    Buying your travel insurance on Klook is as easy as 1, 2, 3! Simple steps to book your travel insurance: Download the Klook app & log in to your account. Click on the 'insurance' icon on the app homepage (or access the travel insurance page from this blog!) Fill up your travel information (e.g: destination & travel date)

  7. 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 ...

  8. The Best Singapore Travel Insurance Options

    The Standard plan comes in at a total cost of USD $135.93 for a single trip of 30 days to Singapore and covers you for: up to USD $5,000,000 for emergency accident and sickness medical expenses. USD $500,000 should you need a full emergency evacuation or for a repatriation of remains.

  9. Singapore Travel Insurance

    Singapore recently removed the travel medical insurance requirement for visitors. Previously travelers needed to secure coverage for COVID-19-related medical treatment and hospitalization with a minimum coverage amount of $30,000. Although, the coverage requirement has been lifted, we highly recommend that travelers still purchase travel ...

  10. International Travel Insurance

    Flexible International Travel Insurance policies covering all nationalities, travelling almost anywhere in the world. You can purchase travel insurance for a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad, regardless of how often you travel. Quick Quote View Plans. Customers Covered ...

  11. Who is covered?

    All foreign travellers arriving in Singapore (excluding Singapore Residents) can be covered under this policy. Singapore Resident means Singapore citizen, Singapore permanent resident, a holder of a valid work permit, employment pass, dependant's pass, long-term visit pass, S pass or student pass issued by the authorities in Singapore.

  12. Travel Insurance for Singapore: The Best Options in 2024

    Here are a few of the many factors influencing the scope and cost of travel insurances for Singapore: 👥 Number of visitors. Around 19 million /year. Travel highlight. Singapore Botanic Gardens. 💸 Healthcare cost. 18th globally (above average) 🩺 Healthcare quality. Very good.

  13. Compare Best Travel Insurance Singapore in 2024

    From S$16.97 (The price here is for the COVID-19 Rider only) Singlife Travel Insurance. - Up to S$200,000 coverage for overseas medical expenses. - Up to S$100 per day for overseas quarantine, up to S$2,000. - Up to S$2,000 reimbursement for trip cancellation or postponement. From S$30.07.

  14. Inbound Travel Insurance

    Inbound Travel Insurance. SG Travel Insured is a COVID-19 travel insurance plan specially designed for short-term foreign visitors arriving in Singapore, excluding Singapore Residents. Get a Quote. As part of the COVID-19 travel insurance and medical treatment guidelines for inbound travellers, all short-term visitors who are not vaccinated ...

  15. International Travel Insurance for Emergencies & Trip Costs

    A good travel cancellation insurance plan will run you approximately 5% of your overall trip cost — more if you are older, less if you are younger. Estimated costs of a travel health plan for a 40-year-old traveling for 30 days (outside of the USA) with an entire trip worth $5,000: - Including Trip Cancellation: $250.

  16. Travel Insurance

    Get up to $15,000 coverage for overseas transport and accommodation expenses [1]. Get up to $1,000,000 medical expenses coverage while overseas per individual. Enjoy overseas travel delay coverage of up to 120 hours [2], for any reason [3]. Coverage for trip cancellations due to unexpected events even for last-minute purchases.

  17. Single Trip Travel Insurance

    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 whether you're a Singapore citizen, or holders of permanent residence, employment pass, S-pass, work permit, student pass or dependent pass, you can be ...

  18. Singapore Travel Insurance

    Get 40% Off. 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. Get a Quote.

  19. Travel Insurance for Non-US Residents

    With travel insurance through Travel Guard, you'll have coverage that travels wherever you go. Questions? Call us at: 800-826-5248. Exploring beyond your borders? Tailored travel insurance plans for non-US residents to reduce worries during your adventures.

  20. Travel Insurance

    Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan. 2.

  21. COVID-19: 8 Ways Travel Insurance for Singapore Residents

    As the world brings COVID-19 under control in 2021, Allianz Travel's insurance policies have evolved to give Singaporeans and the Residents of Singapore the cover they need to travel with confidence - with new cover for COVID-19 if you're being diagnosed*. Just over a year since COVID-19 shook the world, there's light at the end of the tunnel.

  22. Travel insurance for non-permanent residents in Australia

    In this article we're going to look at non-resident travel insurance policies in Australia, including what they are, the impact Medicare eligibility can have and what to look for in a policy. 💸 Hold over 40 currencies in your account and spend at the mid-market exchange rate with the Wise card while abroad. Learn more about the.

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  24. Best Cheap Travel Insurance of April 2024

    Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans. Atlas Journey Premier offers $150,000 in primary medical coverage. Both plans have top-notch $1 million per person in ...

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    While California offers concealed-carry licensing to residents, non-residents are ineligible. The law requires that an applicant live in the state for a two-year license or have a principle place of business or employment in the state if applying for a 90-day limited license.