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Best (Revenge) Travel Insurance in Singapore with COVID-19 Coverage

Singaporeans are excitedly making holiday plans after close to three years of cabin fever. However, with all the uncertainty regarding outbreaks and government regulations, you may be facing turmoil on whether to book your flight and accommodations, especially if they are non-refundable. The good news is that the best travel insurance plans in Singapore now cover COVID-19-related disruptions.

Many also provide compensation if you or your loved ones are diagnosed with COVID-19 before, during, or after the trip. So you can have peace of mind as you book your next vacation. Revenge travel, here we come!

(See also: 10 Best Family-friendly Airlines Flying in and out of Singapore Changi Airport)

How to Choose The Best Travel Insurance with COVID-19 Coverage

With the myriad of options available, how do you choose the best travel insurance with COVID-19 coverage? Here are five key factors you should look out for to help you make an informed decision:

Homage travel insurance infographic

Price Range

Depending on your destination country, travel duration, and a number of other factors, insurance premiums can range from tens of dollars to several hundreds. It is always best to find a balance between the cost of premium and the coverage you need.


A typical travel insurance covers the following:

  • Overseas medical expenses, including treatment, evacuation, as well as repatriation
  • Death and total and permanent disability (TPD)
  • Missing or lost baggage
  • Flight delays and cancellations
  • Trip cancellation

Firstly, pay extra attention to the coverage for overseas medical expenses. Most domestic insurance do not cover overseas expenses, which can easily cost upwards of thousands of dollars in the unfortunate event of a medical emergency. The cost of medical expenses may also vary greatly depending on your destination, so be sure to take that into consideration.

Then depending on your itinerary and purpose of travel, you may choose to add extra coverage. For example, if you are an adrenaline junkie, consider getting a plan with adventure and sports coverage.

Finally, in the current pandemic situation, it is highly recommended to ensure your plan includes COVID-19 coverage. This typically includes the following benefits if you or your family members are diagnosed with COVID-19, or if you are affected by a related disruption:

  • Medical expenses
  • Hospitalisation allowance
  • Quarantine allowance
  • Trip cancellation
  • Trip postponement
  • Trip disruption
  • Trip curtailment
  • Emergency evacuation and repatriation

Reliability of Provider

Misinformation and fraud is rampant these days, so making sure your insurance provider is reliable is key to avoid being scammed. Ensure the reliability of your insurance provider by checking that the agent is authorised by the Monetary Authority of Singapore (MAS). Also, request for a receipt and ensure the details on the policy document are accurate. 

The safest option is to go with a reputable insurance provider that has a great track record. This lets you be confident that your insurance provider has your back should you face any issues overseas.

Image: Kindel Media

Ease of Claims

Often, you may discover travel insurance plans with similar coverage but vastly different costs. While it is tempting to go with the more affordable option, make sure to check the fine print and reviews first. It could be that the company has either a tedious and lengthy claim process or highly restrictive rules in the fine print that results in many claims being denied. These days, some insurers also provide a paperless claim process for a more seamless and fuss-free experience.

Additional Features

Various travel insurance plans and providers may also offer value-added services and features that you may find useful. For example, some insurance providers provide a 24/7 global medical assistance hotline to connect you with medical treatment and transportation while overseas.

Others have an app where you can easily find your policy details or file and track claims. Some apps also help locate nearby medical facilities, police stations, or embassies, and even offer medical translation functionalities.

If you find these additional features helpful, keep a look out for them when purchasing your travel insurance plan.

(See also: 5 Best Family Ski Resorts in Asia for a Dazzling Winter Holiday)

Top 8 Travel Insurance Plans with COVID-19 Coverage

Depending on the country you are visiting, you may have to meet the mandatory COVID-19 travel insurance requirements to enter. For example, Singapore requires all inbound short-term visitors to have travel insurance with a minimum coverage of $30,000 for COVID-19-related medical expenses.

Below, you’ll find the estimated premiums and COVID-19 coverage of different travel insurance policies for a seven-day trip to most destinations worldwide. (Do note that the numbers are for the most basic plan offered by each travel insurance provider. Many of them also offer plans with higher coverage, but of course have higher premiums as well.)

Travel Insurance ProviderEstimated PremiumCOVID-19 Medical Expenses CoverageCOVID-19 Overseas Hospitalisation AllowanceCOVID-19 Overseas Quarantine AllowanceTrip Cancellation due to COVID-19Emergency Transportation/
up to 14 days
capped at $350
capped at $350
up to 14 days
$2500$50k (shared with medical expenses)
capped at $1000
capped at $350
NTUC Income$149$250kN.A.$100/day
capped at $1400
capped at $3000
capped at $700
$5000$500k / $30k
Singlife$77.93$250kN.A.N.A.$5000$500k / $30k

1. FWD Premium

FWD offers affordable travel insurance plans with COVID-19 coverage as an add-on. At $51.60 for a week-long trip to most destinations including the USA, FWD Premium has one of the lowest premiums in this list, but its coverage is also limited to only the bare minimum.

COVID-19 travel insurance coverage:

  • Medical expenses: Up to $200,000 while overseas or after returning to Singapore
  • Hospitalisation allowance: $50 per day for up to 14 consecutive days while overseas, $100 per day for up to 14 days after returning to Singapore
  • Trip cancellation: Up to $5,000 for non-refundable costs, for up to 30 days before the trip
  • Trip disruption: Up to $5,000
  • Emergency evacuation and repatriation: Up to $200,000

The good thing about the FWD Premium travel insurance policy is that the medical expenses and hospitalisation allowance benefits are applicable for up to 14 days after your return, something not all plans offer.

2. Klook x MSIG Lite Plan

Another affordable travel insurance plan with COVID-19 coverage is the Klook x MSIG Lite Travel Insurance. At only $34.40 for a week-long trip to Thailand and up to $88 for a trip to the United States, its premium is comparable to FWD’s, but their COVID-19 coverage differs.

COVID-19 travel insurance coverage:

  • Medical expenses: Up to $100,000 while overseas
  • Hospitalisation allowance: $100 per day for up to 14 days while overseas, with maximum limit of $350
  • Quarantine allowance: $100 per day for up to 14 days while overseas, with maximum limit of $350
  • Trip cancellation: Up to $2,500
  • Trip curtailment: Up to $2,500
  • Evacuation and repatriation: Unlimited

While MSIG provides an overseas quarantine allowance, its payouts for hospitalisation allowance, medical expenses, as well as trip cancellations or disruptions, are lower compared to FWD. Importantly, do note that the COVID-19 cover ceases immediately after your return to Singapore. Also, the plan covers a trip duration of up to only 30 days, with no extension available.

If you are on a tight budget and don’t mind the basic coverage, consider getting this plan.

3. AIG Travel Guard Basic

For a comprehensive plan that already incorporates COVID-19 coverage, consider the AIG Travel Guard Basic. Under this policy, a week-long trip to Japan would incur a premium of $68.

COVID-19 travel insurance coverage:

  • Medical expenses, emergency evacuation, and repatriation: Up to $50,000 for those below 70 years old, up to $25,000 for children and those above 70 years old
  • Quarantine allowance: $50 per day for up to 14 days while overseas
  • Travel cancellation: Up to $2,500
  • Travel postponement: Up to $500

While this plan offers decent coverage, it is missing a few elements, namely payouts for hospitalisation allowance, pre-departure changes to your trip, and even if you decide to return to Singapore early. For better overall coverage, consider upgrading to the Standard, Enhanced, or Supreme plans. However, note that while these have higher compensation for the existing benefits, they do not provide additional benefits like hospitalisation allowance.

(See also: Comparing Children’s Hospitalisation Costs in Singapore – We Do the Homework for You)

4. Allianz Single Trip Bronze

Rather than as an add-on, Allianz incorporates COVID-19 coverage into its existing travel insurance plans. This means that while its medical expense coverage is significantly higher than the other plans above, it doesn’t provide payouts for travel delays, or allowance for hospitalisation and quarantine due to COVID-19. You can get the Allianz Single Trip Bronze plan at $49 for a week-long trip to Thailand, or $112 if you are travelling to the USA. 

COVID-19 travel insurance coverage:

  • Emergency medical and dental expenses: Up to $200,000 for those below 70 years old, up to $50,000 for those above 70 years old
  • Travel cancellation: Up to $5,000
  • Emergency transportation: Unlimited

For those who are looking for a more comprehensive plan, including personal accident and trip interruption coverage, Allianz also provides two other travel insurance plans: Silver and Platinum.

At the time of publishing, Allianz is also offering 12% off their travel insurance if you use the promo code “travel12”.

5. AXA SmartTraveller Essential

Since 1 February 2021, the AXA SmartTraveller plans have been updated to better suit Singaporeans’ travel needs. The most basic plan, AXA SmartTraveller Essential, costs $157.02 for a week-long trip to most countries.

COVID-19 travel insurance coverage:

  • Medical expenses: Up to $75,000 overseas, and up to $37,500 in Singapore
  • Hospitalisation allowance: $100 per day, up to a limit of $1,000
  • Quarantine allowance: $50 per day, up to a limit of $350 overseas and $350 in Singapore
  • Trip cancellation: Up to $1,000
  • Trip postponement: Up to $500
  • Trip curtailment or rearrangement: Up to $2,000
  • Emergency transportation: Unlimited

The COVID-19 medical expense coverage for the Essential plan is low compared to other plans on this list. However, AXA covers medical costs incurred within 90 days of your trip, which is quite generous duration-wise. For higher coverage, consider upgrading to the Comprehensive plan, which covers up to $150,000 for COVID-19 medical treatment.

Another perk of the AXA SmartTraveller plan is flexibility when it comes to claims for trip curtailment. This includes situations where a family member passes on due to COVID-19 or when there is an outbreak at the destination country.

6. NTUC Income Classic

For a week-long trip to most destinations, the NTUC Income Classic plan costs $149. On top of personal accident coverage, NTUC Income travel insurance policies bought online now also include COVID-19 coverage for the first 90 days of each trip. However, do take note of the exclusions, as they do not cover travel inconveniences caused by border closures and government advisories.

COVID-19 travel insurance coverage:

  • Medical expenses: Up to $250,000 while overseas
  • Quarantine allowance: $100 per day while overseas, capped at $1,400
  • Trip cancellation: Up to $5,000
  • Trip postponement: Up to $500
  • Trip curtailment: Up to $5,000
  • Trip disruption: Up to $2,000
  • Emergency transportation: Up to $150,000

For increased coverage, you have the option to choose either the Deluxe or Preferred travel insurance plans. Alternatively, if you are looking for a travel insurance policy that covers pre-existing conditions, NTUC Income is also one of the few providers that offers it. Their Enhanced PreX Travel Insurance starts from $194 for a week-long trip. 

At the time of publishing, there is also a 40% promotion for all single-trip travel insurance policies bought online.

(See also: ible Airvida: the smallest, sleekest, wearable Air Purifier that Removes 99.7% of Coronavirus)

7. Sompo Essential

The Sompo Essential plan costs $129 for a week-long trip to most countries worldwide. In terms of breadth of coverage, the Sompo Essential plan has most of the COVID-19 benefits that other plans offer as well.

COVID-19 travel insurance coverage:

  • Overseas medical expenses: Up to $200,000 
  • Medical expenses in Singapore: Up to $5,000
  • Hospitalisation allowance: $100 per day while overseas, capped at $3,000
  • Quarantine allowance: $50 per day while overseas, capped at $700
  • Trip cancellation: Up to $5,000
  • Trip postponement: Up to $5,000
  • Trip curtailment: Up to $5,000
  • Trip disruption: Up to $1,000
  • Emergency medical evacuation: Up to $500,000
  • Repatriation: Up to $30,000

Furthermore, the trip cancellation, postponement, and curtailment benefits apply not only when you contract COVID-19, but also when your travel companion(s), who are also insured by Sompo, are infected. However, do note that Sompo only covers COVID-19-related medical expenses for up to 45 days (or until the maximum limit is reached), starting from your first day of treatment. Any medical expense incurred after 45 days will not be covered.

If you would like more comprehensive coverage, then upgrade to the Sompo Superior plan. Furthermore, Sompo is running a promotion for its single-trip COVID-19 travel insurance plans. Purchase your policies at 25% off till 4 December 2022.

8. Singlife Travel Lite

Singlife offers three plans with different levels of coverage: Travel Lite, Travel Plus, and Travel Prestige. The Singlife Travel Lite plan is the most affordable, at $77.93 for a week-long trip to most destinations worldwide.

Covid-19 travel insurance coverage:

  • Medical expenses and emergency medical evacuation: Up to $250,000 while overseas
  • Medical expenses in Singapore: Up to $10,000
  • Trip cancellation: Up to $5,000
  • Trip interruption: Up to $1,000
  • Repatriation: Up to $30,000

While the basic Singlife Travel Lite plan has quite a low coverage, the benefits of the other two plans are comparable to the rest on the list and include overseas quarantine allowance of up to $2,000. Additionally, MINDEF/MHA and POGIS policyholders can enjoy up to 46% off single-trip plans and 30% off multi-trip plans.

While we have provided a brief summary of the pros and cons of various travel insurance plans, remember to also read the fine print before making a decision to make sure the plan is right for you.

Changi Airport Terminal 4 -Travelling-Family

What to Do If You Get Covid-19 During or After Your Trip?

If you are diagnosed with COVID-19 or are affected by a related disruption during your trip, call your insurance provider immediately as they will be most familiar with the plan you have purchased and will be able to advise you accordingly.

There may be steps you need to take within a fixed time frame (e.g. obtain an official quarantine order or a doctor’s letter) for the insurer to approve your claims, so you should call them once you are aware of the diagnosis or disruption. Most insurers should have a hotline that operates 24/7.

You will also have to submit your claim with supporting documents within the deadline (usually 30 days). Make sure that you always keep all receipts easily accessible, so you can submit claims on the go, rather than wait till you are back in Singapore to process the claim.

(See also: Now You Can Afford to Protect Your Family with the Highest Possible Coverage against Accidents and COVID-19)

Peace of Mind for Your Next Getaway with The Best Travel Insurance in Singapore

The COVID-19 coverage component in travel insurance is something that is new and unfamiliar to many of us, but we hope that this detailed guide helped you get a better idea of what to look out for your next travel insurance purchase.

This article first appeared on Homage, an award-winning personal care solution that provides on-demand holistic home and community-based caregiving and medical services to seniors and adults, allowing them to age and recover with grace, control, and dignity.

Featured image: Leeloo Thefirst

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