In this article, I will cover the Best Travel Insurance in Singapore so that you are able to make an educated choice. Travel insurance is required for protecting yourself from unexpected circumstances such as health issues, trip cancellations, and luggage misplaced.
I will highlight major contenders, their benefits, and what to pay attention to in order to find the best policy that caters to your requirements.
Key Points & Best Travel Insurance In Singapore List
| Plan Name | Key Point |
|---|---|
| Starr TraveLead Insurance | Offers 24/7 global emergency assistance and COVID-19 coverage. |
| HL Assurance Travel Protect360 Basic | Budget-friendly with essential coverage and COVID-19 medical protection. |
| INCOME Standard Classic | Comprehensive coverage with trip cancellation and overseas medical benefits. |
| MSIG TravelEasy Standard | Covers travel inconveniences, medical, and COVID-19 disruptions. |
| Tiq Entry | Entry-level plan with modular add-ons including COVID-19 and trip delays. |
| FWD Premium | High-tier coverage with adventurous activity protection and COVID-19 cover. |
| DirectAsia Voyager 150 | Competitive rates with flexible single and annual trip options. |
| Singlife Travel Lite | Digital-first, budget plan with essential travel disruption protection. |
| AIG Travel Guard® Direct – Basic | Reliable global insurer offering basic trip and medical coverage. |
| Bubblegum Travel Insurance | Simple, affordable travel insurance with straightforward benefits. |
10 Best Travel Insurance In Singapore
1.Starr TraveLead insurance
Starr TraveLead Insurance is one of the best in Singapore, offering not only protective cover for travelers, but at an affordable rate as well. Starr TraveLead offers comprehensive cover from overseas medical expenses to trip cancellations, travel delays and even baggage loss.
Also, global emergency assistance and medical attention for COVID-19 is provided, catering to leisure and business travelers alike.
Starr Trave Lead adapts to different travel needs and budgets with its tiered plans and add-on customizations. Travelers in Singapore surpass its competitors due to its fast claim processing and global support, which is ideal for frequent flyers.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Medical coverage and trip cancellations related to COVID-19. |
| Medical Expenses | Overseas medical expenses coverage. |
| Trip Cancellation | Covers trip cancellation due to unforeseen events. |
| Baggage Loss | Compensation for lost or delayed baggage. |
| Travel Delay | Compensation for trip delays. |
2.HL Assurance Travel Protect360 Basic
HL Assurance is efficiently managing customer claims and supporting them which makes their services stand out. Protect360 Basic would work best for short trips as it is less expensive and provides the most benefits for travelers on a budget.
This plan is exceptional considering it’s one of the most affordable options available in Singapore for travel insurance. It offers overseas medical expense coverage, travel delay compensation, and baggage loss protection.
Additionally, the plan offers coverage for the pandemic by providing COVID-19 medical and quarantine expense coverage making it suitable for post-pandemic travel.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Covers medical expenses and cancellations due to COVID-19. |
| Medical Expenses | Overseas medical expenses protection. |
| Trip Cancellation | Covers cancellations due to covered reasons. |
| Baggage Loss | Compensation for lost or delayed baggage. |
| Travel Delay | Compensation for travel delays. |
3.INCOME Standard Classic
INCOME Standard Classic is one of the best rated travel insurance plan in Singapore as it has comprehensive features and capabilities for travelers. The plan provides $250,000 of medical treatment cover and $150,000 of personal accident cover.
It also provides trip cancellation cover of up to $5,000, travel delay cover of $1,000 and baggage loss of $3,000. Most importantly, it has provisions for COVID-19 medical expenses and trip disruptions which provides additional security during pandemic times.
It also has provisions for adventurous activities such as scuba diving and skiing. These features make it ideal for travelers seeking adventure. With reasonable premiums and great benefits, INCOME Standard Classic is undoubtedly one of the best in travel insurance in Singapore.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Comprehensive coverage for COVID-19 related medical expenses and trip cancellation. |
| Medical Expenses | Covers medical costs overseas, up to a high limit. |
| Trip Cancellation | Covers trip cancellation costs. |
| Baggage Loss | Loss or damage compensation for baggage. |
| Adventure Activity Coverage | Covers adventurous activities like skiing or diving. |
4.MSIG TravelEasy Standard
In Singapore, the MSIG TravelEasy Standard is one of the most popular travel insurance plans due to MSIG TravelEasy insurance’s extensive coverage. It also offers S$75,000 to cover medical expenses incurred while traveling and S$1 Million for medical evacuation and repatriation.
Moreover, the plan covers trip cancelation of S$3,000, travel delays of S$1,500 and loss of baggage worth S$7,500. Most importantly, MSIG TravelEasy Standard covers COVID-19 related expenses for medical treatment and travel disruption which is a vital coverage needed nowadays.
All these benefits alongside low premiums makes this plan one of the most recognized travel insurance plans in Singapore.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Covers medical expenses and trip disruptions due to COVID-19. |
| Medical Expenses | Comprehensive coverage for overseas medical expenses. |
| Trip Cancellation | Covers cancellation costs up to a specified limit. |
| Travel Delays | Compensation for trip delays. |
| Baggage Loss | Loss or damage compensation for baggage. |
5.Tiq Entry
Accessible and affordable, Tiq Entry by Etiqa offers travel insurance in Singapore perfect for budget-friendly travelers looking for basic coverage.
The plan provides up to S$200,000 for medical expenses incurred overseas and S$5,000 for trip cancellations.
It offers additional benefits for delays and loss of baggage as well as providing emergency assistance 24 hours a day, seven days a week.
There is an optional COVID-19 add-on that enhances coverage with S$100,000 for medical expenses and additional funds of S$20,000 for quarantine and trip disruption allowances.
With automated claims for flight delays, real time travel updates, and numerous other features, Tiq Entry provides a stress-free travel experience.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 emergency assistance services worldwide. |
| COVID-19 Coverage | Optional add-on for COVID-19 coverage, including medical and quarantine-related expenses. |
| Medical Expenses | Overseas medical expenses covered. |
| Trip Cancellation | Covers cancellations due to specific reasons. |
| Baggage Loss | Compensation for lost or delayed baggage. |
| Travel Delay | Compensation for delays, depending on the policy. |
6.FWD Premium
FWD Premium is a highly rated travel insurance policy in Singapore because it provides value for money and comprehensive coverage. It offers up to S$200,000 for overseas medical expenses and provides unlimited emergency medical evacuation.
Additionally, the policy covers trip cancellations up to S$7,500, travel delays up to S300, and baggage loss up S3,000. There is also a COVID-19 add-on which provides further coverage of up to S$200,000 for medical expense
S5,000 for trip cancellations, and COVID-19 quarantine and hospitalization allowances. FWD Premium is among the best travel insurance policies in Singapore due to the 24/7 emergency assistance and cashless claim mobile app.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Extensive COVID-19 coverage, including medical costs and trip cancellations. |
| Medical Expenses | Covers medical expenses overseas, with high limits. |
| Trip Cancellation | Up to S$7,500 for trip cancellations. |
| Baggage Loss | Up to S$3,000 for lost or damaged baggage. |
| Emergency Evacuation | Coverage for emergency evacuation due to medical emergencies. |
7.DirectAsia Voyager 150
In Singapore, travelers looking for basic protection will find the DirectAsia Voyager 150 as one of the cheapest travel insurance options.
The plan offers up to S$150,000 in medical coverage for overseas travelers and S$1,500,000 for medical evacuation and repatriation.
It also provides coverage for trip cancellations up to S$3,000, travel delays up to S$1,000, and baggage loss of up to S$1,000.
Some essential pandemic expenses can be covered with an optional COVID-19 add-on. Given the low premiums offered with extensive coverage, the plan is extremely economical.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 emergency assistance. |
| COVID-19 Coverage | Optional COVID-19 coverage for medical expenses and trip disruptions. |
| Medical Expenses | Coverage for overseas medical expenses, including hospital stays. |
| Trip Cancellation | Covers trip cancellations, with up to S$3,000 compensation. |
| Baggage Loss | Compensation for baggage loss or damage, up to S$1,000. |
| Travel Delay | Covers travel delays, with compensation provided. |
8.Singlife Travel Lite
In Singapore, the Singlife Travel Lite plan offers budget-friendly travel insurance. It offers medical expenses of up to S$250,000 and trip cancellations of up to S$5,000. Additionally, expenses incurred due to travel delays are also covered up to S$500, while loss or damage of baggage is covered up to S$3,000.
Singlife is also providing COVID-19 coverage which includes up to S$50,000 for medical expenses and S$500 for trip cancellations. Given that the premiums are low and the benefits are many, Singlife Travel Lite is an outstanding travel insurance option in Singapore.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 emergency assistance available. |
| COVID-19 Coverage | Includes COVID-19 coverage for medical costs and quarantine-related expenses. |
| Medical Expenses | Overseas medical coverage up to S$250,000. |
| Trip Cancellation | Covers cancellations up to S$5,000. |
| Baggage Loss | Up to S$3,000 for baggage loss. |
| Travel Delay | Travel delay compensation included. |
9.AIG Travel Guard® Direct – Basic
AIG Travel Guard® Direct – Basic is a travel insurance in Singapore that is both affordable and reliable, featuring fundamental coverage for travelers. It gives up to S$100,000 for overseas medical expenses and S$50,000 for medically related expenses due to COVID-19.
The plan also includes S$5,000 for trip cancellations and S3,000 for baggage loss or damage. With pandemic related restrictions, it also provides 24/7 global emergency assistance and automatic policy extension of up to 30 days due to COVID-19 trip delays.
Considering the value of its comprehensive benefits and reasonable premiums, AIG Travel Guard® Direct – Basic is optimal for travelers looking to have a stress-free trip.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 emergency services available worldwide. |
| COVID-19 Coverage | Coverage for COVID-19-related medical expenses and trip cancellations. |
| Medical Expenses | Up to S$100,000 for overseas medical expenses. |
| Trip Cancellation | Up to S$5,000 for trip cancellations. |
| Baggage Loss | Compensation for baggage loss and damage. |
| Travel Delay | Compensation for travel delays, depending on duration. |
10.Bubblegum Travel Insurance
The simplest and most affordable option for travelers in Singapore is Bubblegum Travel Insurance. Starr International Insurance underwrites it, which offers medical coverage for overseas expenses up to S$150,000.
Additionally, it provides S$5,000 for trip cancellations and S$3,000 for lost or damaged baggage. This plan also covers expenses incurred due to delays in travel and baggage, as well as unlimited emergency medical evacuation.
Importantly, it also covers medical expenses related to COVID-19, including trip cancellations and quarantines; up to S$100 per day is allotted for quarantine stays. The travel insurance policies are priced from S$4.50 per day, positioning it as one of the most affordable options in the market.
| Feature | Details |
|---|---|
| Emergency Assistance | 24/7 global emergency assistance. |
| COVID-19 Coverage | Covers COVID-19-related medical expenses, cancellations, and quarantines. |
| Medical Expenses | Overseas medical expenses up to S$150,000. |
| Trip Cancellation | Trip cancellation coverage, up to S$5,000. |
| Baggage Loss | Up to S$3,000 for baggage loss or damage. |
| Travel Delay | Daily allowances for travel delays, with up to S$100 per day. |
Conclusion
In conclusion Depending on your specific requirements, budgetary constraints, and nature of travel, choosing travel insurance in Singapore can be both easy and complicated.
For instance, Starr TraveLead Insurance, HL Assurance Travel Protect360, and INCOME Standard Classic have comprehensive medical cover, trip cancellation insurance, and COVID-19 coverage.
From all the options available, compare the premiums, coverage limits, and other important offered benefits relevant to your travel needs.