Finding the suitable travel insurance for you (and your family) can be trying times because of the number of options in the market. It is not just all about affordability. Coverage, claiming process, and client services are big factors in decision-making.

And, where do people look to cover the costs of potential risks and accidents while overseas? Trusted reviews, trusted advice, and decent travel insurance comparisons are where. This post aims to bring all three together for the best basic travel insurance policies in Singapore.

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Best and Affordable Travel Insurance In Singapore 2018

Insurance Plan

Coverage Highlights

eTiQa Insurance

  • $200,000 coverage for Personal Accident under the Basic Plan
  • $200,000 coverage for Medical Expenses Incurred Overseas under the Basic Plan

  • $,1,500,000 coverage for Emergency Medical Evacuation and Repatriation under the Basic Plan

  • $5,000 coverage for Trip Cancellation and Loss of Deposit under the Basic Plan

  • $500,000 Personal Liability benefits under the Basic Plan

NTUC Income Travel Insurance

  • $250,000Overseas Medical Expenses coverage under the Classic Plan
  • $10,000 Overseas Hospital Allowance coverage under the Classic Plan, with $100 daily benefit

  • up to $150,000 coverage for Personal Accident under the Classic Plan (adult under 70 years old)

  • up to $3,000 coverage for Lost Travel Documents under the Classic Plan

  • $3,000 coverage for Lost or Damaged Baggage under the Classic Plan, with $1,000 limit for laptop and $500 limit for other items)

AVIVA Travel Insurance

  • $250,000 Overseas Medical Expenses coverage under AVIVA Travel Lite policy

  • $200,000Personal Liability coverage under AVIVA Travel Lite policy

  • $3,000 Loss of Baggage coverage under AVIVA Travel Lite policy, with up to $700 cover per article

AIG Travel Guard Travel Insurance

  • 100% trip cost coverage on Silver Travel Guard Plan policy

  • 100% trip cost for Trip Interruption coverage on Silver Travel Guard Plan policy

  • up to $750 coverage on lost or damaged luggage on Silver Travel Guard Plan policy

FWD Travel Insurance

  • up to $7,500 Travel Cancellation coverage on FWD Premium policy

  •  up to $200,000Overseas Medical Expenses coverage on FWD Premium policy

  •  $3,000Lost or Damaged Baggage coverage on FWD Premium, with up to $300 cover per item

MSIG TravelEasy Insurance

  • Maternity-related Overseas Medical Expenses
  • $3,000 and $6,000 coverage on lost articles on Individual and Family covers respectively under Standard Plan
  •  $150,000 and $400,000 Accidental Death and Permanent Total Disability coverage on Individual and Family covers respectively under Standard Plan

AXA SmartTraveller Insurance

  • $300,000 coverage on AXA SmartTraveller Essential policy
  • Unlimited emergency medical evacuation and repatriation to SG
  • $5,000Lost or Damaged Belongings coverage on AXA SmartTraveller Essential, with up to $800 coverage per article

1. AXA SmartTraveller Insurance

AXA has been around for a long while and is now covering 41 benefits, from personal accident to safety add-ons. Customers can choose between Essential and Comprehensive travel insurance plans, depending on the budget.

  • From $57.65 on the Essential Plan.

Best Travel Insurance for:

  • Overseas Medical Expenses – $300,000 coverage on AXA SmartTraveller Essential policy

  • 24-hour Emergency Assistance – Unlimited emergency medical evacuation and repatriation to SG

  • Lost or Damaged Belongings – $5,000 coverage om AXA SmartTraveller Essential, with up to $800 coverage per article

travel insurance for lost baggage
Image Credit: TheAndrasBarta | Pixabay

2. MSIG TravelEasy Insurance

TravelEasy Insurance by MSIG offers overall good value and, probably, among many that present the most affordable and competitive tables in the insurance market; customer reviews frequently mention the regular discounts offers.

  • From $31.75 on the Elite Plan.

Their Standard, Elite, and Premier Plans cover 50 benefits under the categories of:

  • Maternity-related Overseas Medical Expenses

  • Replacement of Traveller

  • Emergency Medical Evacuation

  • Insolvency of Licensed Travel Operator

  • Delayed Departure

Best Travel Insurance for:

  • Lost Belongings – $3,000 and $6,000 coverage on lost articles on Individual and Family covers respectively under Standard Plan

  • Accidental Death and Permanent Total Disability – $150,000 and $400,000 coverage on Individual and Family covers respectively under Standard Plan

3. FWD Travel Insurance

FWD is fairly new in the travel insurance field but is currently offering affordable premiums on the three most common travel worries, trip cancellation being the main focus.

  • From $21.00 on Premium Plan.

Best Travel Insurance for:

  • Travel Cancellation – up to $7,500 coverage on FWD Premium policy

  • Overseas Medical Expenses – up to $200,000 coverage on FWD Premium policy

  • Lost or Damaged Baggage – $3,000 coverage on FWD Premium, with up to $300 cover per item

4. AIG Travel Guard Travel Insurance

AIG offers three sets of plans: Silver, Gold, and Platinum. The Platinum Travel Guard Plan is their complete coverage plan with global travel assistance and access to 24/7 travel assistance services. The Gold Travel Guard Plan is more affordable than Platinum but still comprehensive. And, the Silver Travel Guard Plan is AIG’s budget-friendly offer with coverage for both general and business travels.

  • From $21.00 on Basic Plan.

Best Travel Insurance for:

  • Trip Cancellation – 100% trip cost coverage on Silver Travel Guard Plan policy

  • Trip Interruption – 100% trip cost coverage on Silver Travel Guard Plan policy

  • Baggage and Personal Effects – up to $750 coverage on lost or damaged luggage on Silver Travel Guard Plan policy

5. AVIVA Travel Insurance

AVIVA’s travel plans — Lite, Plus, and Prestige — offer all the basic coverage, 24/7 emergency travel assistance, and online filing of claims. It is also the only insurance provider in Singapore with special offers (30% discount) for NS Men with the MINDEF/MHA GroupTerm Life or personal accident policies.

Best Travel Insurance for:

  • Overseas Medical Expenses – $250,000 coverage under AVIVA Travel Lite policy

  • Personal Liability – $200,000 coverage under AVIVA Travel Lite policy

  • Loss of Baggage – $3,000 coverage under AVIVA Travel Lite policy, with up to $700 cover per article

travel insurance for pre-exisiting condition
Image Credit: moritz320 | Pixabay

6. NTUC Income Travel Insurance

Income presents three plan types to cover any travel inconveniences – Classic, Deluxe and Preferred – with Individual and Family options. Apart from these plans, Income also offers three other plan types – Enhanced PreX Basic, Superior and Prestige, covering both single trip and yearly plans. Check the details of these plans as some of them cover pre-existing medical conditions such as overseas outpatient and hospitalisation medical expenses. These type of plans are a good choice to consider for frequent travellers.

  • From $24 on the Classic plan

Best Travel Insurance for:

  • Overseas Medical Expenses – $250,000 coverage under the Classic Plan

  • Overseas Hospital Allowance – $10,000 coverage under the Classic Plan, with $100 daily benefit

  • Personal Accident – up to $150,000 coverage under the Classic Plan (adult under 70 years old)

  • Lost Travel Documents – up to $3,000 coverage under the Classic Plan

  • Lost or Damaged Baggage – $3,000 coverage under the Classic Plan, with $1,000 limit for laptop and $500 limit for other items)

7. eTiQa Insurance eProtect Travel

eTiQa Insurance offers free In-flight Plan with $50,000 personal accident or death coverage (not available for Annual-Multi Trip or Group application). An add-on beginning at $4 gives you flight delay benefit (claims and instant payout) of up to $300. Additionally, eTiQa Insurance also boasts three comprehensive and full coverage plans: Basic, Economy, and Business. It is a wise choice for those looking to cover all the common worries.

  • From $14.26 on Basic (Individual) PLan.

Best Travel Insurance for:

  • Personal Accident (Accidental Death and Permanent Disablement) – $200,000 coverage under the Basic Plan

  • Medical Expenses Incurred Overseas – $200,000 coverage under the Basic Plan

  • Medical Expenses Incurred in Singapore – up to $5,000 coverage under the Basic Plan

  • Overseas Hospital Income – $10,000 coverage under the Basic Plan ($200 per 24 hours)

  • Emergency Medical Evacuation and Repatriation – $,1,500,000 coverage under the Basic Plan

  • Trip Cancellation and Loss of Deposit – $5,000 coverage under the Basic Plan

  • Personal Liability- $500,000 benefits under the Basic Plan


travel insurance for flight delay
Image Credit: JESHOOTScom | Pixabay

Please note that this post only curates and compares the best and affordable options of travel insurance in Singapore currently out in the market as of writing. This post does not aim to promote the companies mentioned or their short-term deals.

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Featured Image Credit: JESHOOTScom | Pixabay

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