FWD Travel Insurance

FWD Travel Insurance direct at fwd.com.sg is one of the more competitive Singapore travel insurance options for the online-first, no-agent segment, with overseas medical cover on higher tiers. Etiqa TravelJoy, Singlife, and Allianz are the recurring cross-shops. Buy on fwd.com.sg in a web browser after going through ShopBack Singapore, and check the rate shown on this page before checkout.

It depends on the FWD promotion: FWD Singapore's campaign terms, such as its Protect and Travel campaign, say a campaign is not valid with other offers, bundles, campaigns, promotions, vouchers, loyalty or early bird discounts unless stated otherwise, so read the terms of both the FWD deal and your bank's card promotion before combining them. Rewards or rebates on your credit card come from your bank under the card's own terms. Before you pay on fwd.com.sg in a web browser, go through ShopBack Singapore so part of the premium comes back as Cashback.

FWD Singapore issues its own discount codes for travel insurance through its campaigns, and its campaign terms say a code is entered on FWD's website before you complete the application and pay, with only one discount code per policy application. Codes change with each campaign and appear on FWD's own promotions page. No code needed: go through ShopBack Singapore before you pay and part of what you spend comes back as Cashback.

FWD Singapore runs its own promo codes across products such as Travel, Critical Illness Plus, Big 3, Cancer 2.0, Term Life Plus, Home, Maid and Flex, with codes changing by campaign on FWD's promotions page. Separately, going through ShopBack Singapore in a web browser before you apply on fwd.com.sg brings part of the premium back as Cashback.

FWD Travel Insurance sees percentage-off premium windows around SG school holidays (June, December), Great Singapore Sale (June to July), 11.11, Black Friday, Cyber Monday, 12.12, Chinese New Year, and Mother's or Father's Day. FWD email newsletter usually announces new codes ahead of the window. Time the application to the sale window and go through ShopBack Singapore before checking out at fwd.com.sg to earn Cashback on the paid premium. For a deeper look, see Cheapest FWD Travel Insurance Singapore 2026: Promo and Cashback.

FWD runs Critical Illness Plus promo codes around 11.11, Black Friday, 12.12, Chinese New Year, and health-awareness months (October Breast Cancer Awareness, November Diabetes Awareness). Discounts are typically percentage-off first-year premium or bonus sum-assured additions on eligible tiers. ShopBack SG Cashback applies to the paid premium when you buy on fwd.com.sg in a web browser. For product-level detail see the paired guide: https://www.shopback.sg/blog/savings/fwd-ci-plus-singapore.

Big 3 Critical Illness is FWD's simplified plan covering the three most common CI diagnoses (cancer, heart attack, stroke) for eligible applicants, priced for fast entry-level cover. Critical Illness Plus covers a broader list of major CI conditions with multi-pay variants and higher sum-assured tiers. Big 3 suits first-time buyers wanting coverage of the three highest-frequency CI risks quickly; Critical Illness Plus suits buyers wanting comprehensive CI protection across a wider condition list. Both apply direct at fwd.com.sg via ShopBack SG for Cashback on approval, subject to the specific plan terms on the FWD product page.

FWD Cancer 2.0 covers cancer stages per plan terms and sees periodic promo codes around 11.11, Black Friday, 12.12, and October Breast Cancer Awareness Month. ShopBack SG Cashback applies on approved new policies bought on fwd.com.sg in a web browser.

FWD Term Life Plus has promo windows around 11.11, Black Friday, 12.12, Chinese New Year, and Mother's or Father's Day. Percentage-off first-year premium codes surface via the FWD email newsletter ahead of each window. Apply via fwd.com.sg direct in a web browser after activating ShopBack SG. Product-level detail: https://www.shopback.sg/blog/savings/fwd-term-life-singapore.

FWD Travel Insurance, Tiq by Etiqa, and AIG Travel Guard all sit in the digital-first travel insurance band for Singapore residents. FWD tends to be slightly cheaper on single-trip Asia coverage; Tiq is often cheapest on annual multi-trip; AIG is strong on higher medical-evacuation limits for worldwide trips. Compare current premium quotes on each direct site for your specific trip dates, destination, coverage tier, and traveller ages. Check the rate shown on ShopBack's FWD page before you buy.

Great Singapore Sale (GSS, June to July) is one of the FWD calendar's promo windows for Travel Insurance, Critical Illness Plus, Big 3, Cancer 2.0, and Term Life Plus. Expect percentage-off first-year premium codes on selected tiers. Get a quote the day before, then go through ShopBack Singapore in a web browser and complete checkout on fwd.com.sg. Cashback tracks within the merchant's standard tracking window and confirms after policy approval per FWD terms.

11.11 Singles' Day and Black Friday are two of the deeper FWD SG windows, with percentage-off first-year premium codes across Travel, Critical Illness Plus, Big 3, Cancer 2.0, and Term Life Plus. The FWD email newsletter announces the specific promo code ahead of the window. Apply via fwd.com.sg direct in a web browser after activating ShopBack SG for Cashback on the paid premium.

FWD Maid Insurance covers medical, personal accident, and repatriation to meet Ministry of Manpower requirements for foreign domestic workers in Singapore. Promo codes surface in the FWD newsletter around 11.11, 12.12, and CNY. Apply direct at fwd.com.sg via web browser after activating ShopBack SG for Cashback on the paid premium.

FWD is a Pan-Asian digital-first insurer, part of the Hong Kong-founded FWD Group, and MAS-regulated in Singapore. FWD Singapore sells retail insurance products across travel, critical illness (Critical Illness Plus, Big 3), cancer (Cancer 2.0), term life (Term Life Plus), FWD Flex, personal accident, home and HDB fire, maid, and motor. Distribution is direct-online at fwd.com.sg. ShopBack Singapore is the Cashback route for eligible new-policy purchases.

FWD Insurance suits Singapore buyers who want a direct-online purchase path without an agent, at competitive premiums for equivalent coverage across travel, critical illness, cancer, term life, home, maid, and motor. Trade-off: no dedicated agent to guide policy structuring, so buyers with complex medical history or estate-planning needs may prefer an agent channel. For straightforward first-time buyers, FWD direct at fwd.com.sg via ShopBack SG returns a competitive net cost after Cashback.

FWD Singapore sells: Travel Insurance (Single Trip, Annual Multi-Trip); Critical Illness Plus and Big 3 Critical Illness; Cancer 2.0; Heart Attack and Stroke standalone plans; Term Life Plus; FWD Flex; Personal Accident and Life PA; International Health; Home and HDB Fire; Maid Insurance; Car and Motorcycle; and a savings and investment range across the FWD ILP and endowment shelf. The FWD page on ShopBack Singapore shows which FWD products earn Cashback and the live rate for each.

Go through ShopBack Singapore in a web browser before you pay on fwd.com.sg and the Cashback tracks to your ShopBack account. Check the FWD rate shown on this page before checkout.

The FWD SG steps before you pay, in order: (1) time the application to an FWD promo window (11.11, Black Friday, 12.12, CNY, GSS, Mother's or Father's Day), (2) go through ShopBack Singapore in a web browser and click through to fwd.com.sg (not the FWD app), (3) complete the application including any medical declarations.

FWD Insurance suits Singapore buyers who want a direct-online purchase path without an agent, at competitive premiums for equivalent coverage across travel, critical illness, cancer, term life, home, maid, and motor. Trade-off: no dedicated agent to guide policy structuring, so buyers with complex medical history or estate-planning needs may prefer an agent channel. For straightforward first-time buyers, FWD direct at fwd.com.sg via ShopBack SG returns a competitive net cost after Cashback.

FWD Singapore is the direct-online arm of FWD Group, selling travel, critical illness, cancer, term life, home and maid insurance at fwd.com.sg, and it is listed on ShopBack Singapore as FWD Travel Insurance at shopback.sg/fwd-insurance-promo-code. Start from that ShopBack page on the site, in the ShopBack app or via the browser extension, then complete the application on fwd.com.sg in a web browser. The purchase tracks and confirms within the tracking and confirmation times shown on this page, after which the Cashback can be withdrawn to a Singapore bank account or via PayNow.

The FWD products that earn Cashback, and the amount for each, are shown in the rate table on this page.

Two parts, both shown on the FWD page on ShopBack Singapore. First, Cashback at the rate shown on this page for each FWD product, paid to your bank or PayNow after confirmation. Second, when an upsize runs, the higher rate shows on this page. There is no discounted gift card or swap card for an insurer, so going through ShopBack before you pay is the step that lowers what the policy costs you.

Because FWD Cashback on ShopBack Singapore is set per product, the effective price is the premium minus the travel Cashback shown on this page: S$150 less the Cashback amount for your policy. The amount is paid after confirmation, within the confirmation times shown on this page, so treat it as a rebate rather than a checkout discount.

When an upsize runs, the higher rate shows on this page, and an Ends in countdown means the higher amount is only available for a limited window. When the countdown lapses the table drops back to standard amounts, so a traveller planning to buy that week should complete the application before it ends. Check the table on the day you buy.

FWD Cashback tracks and confirms within the tracking and confirmation times shown on this page, with travel policies confirming after your trip. For non-travel products such as CI Plus, Term Life Plus, Big 3, Cancer, FWD Flex, Home and Maid, confirmation follows policy approval, underwriting and the free-look period, within the confirmation times shown on this page. Pending Cashback cannot be withdrawn; once Confirmed, withdraw it in S$ to a Singapore bank account or via PayNow.

Go through ShopBack Singapore in a web browser before you pay and apply for your new policy on fwd.com.sg, and the Cashback tracks to your ShopBack account.

Cashback is based on the policy you keep and the trip you take: if you cancel a policy in its free-look period, or cancel or rebook the trip, the Cashback adjusts to match. Travel insurance Cashback confirms after your trip. If your plans are uncertain, FWD's Cancel For Any Reason add-on (up to S$6,000, as listed on FWD's site in October 2026) covers trip costs.

On your phone, open FWD from the ShopBack app and finish the order there. If you already hold an FWD annual travel plan, a new policy bought via ShopBack is the route to Cashback, and worth it if the new premium is close to the renewal price.

FWD runs its own promo codes for products such as FWD Flex, Maid insurance, Home insurance and the Big 3 cancer, heart attack and stroke plan, entered in the promo field on the fwd.com.sg quote page. Cashback needs no code: going through ShopBack Singapore before you pay brings part of the premium back as Cashback.

Paying with any Singapore credit or debit card is fine on fwd.com.sg. Bank card promotions run under your bank's own terms, so check them before you apply. Going through ShopBack Singapore before you pay brings part of the premium back as Cashback, and the amount shown on this page lets you weigh it against any bank offer.

Pick FWD when the travellers are healthy: as listed on FWD's site in October 2026, single trips start from S$14 for a 3-day ASEAN individual policy, the Business tier carries S$500,000 overseas medical expenses and S$10,000 trip cancellation, and the Cancel For Any Reason add-on covers up to S$6,000. Pick Income when someone has a pre-existing condition that needs more than FWD's 30-day single-trip add-on, since Income's Enhanced PreX is a full plan, or when a trip runs past 90 days, where Income allows up to 180 days per trip; Income is on ShopBack at shopback.sg/income-insurance. MSIG is the third quote to take via shopback.sg/msig-travel-insurance; choose the lowest premium after each insurer's discount, then check the Cashback shown on each insurer's ShopBack page.

Buy through the Income page for Cashback. FWD's car insurance (Drivo Premium, Drivo Advantage and Drivo Classic) is underwritten by Income Insurance Limited and distributed by FWD, according to the notice on fwd.com.sg, so check the rate table on this page and on the ShopBack Income Insurance page to see where car cover earns Cashback. Quote both anyway, since the distributor's pricing, promo codes and add-ons (FWD offers optional NCD protection if your NCD is at least 30% and a Certificate of Merit discount) can differ, and take FWD only if its quote beats Income by more than Income's fixed Car Cashback.

Annual is cheaper once you take 3 or more trips a year; single trip wins for 1 or 2. On fwd.com.sg the pre-existing conditions add-on covers up to 30 days per single trip and up to 45 days per trip on an annual plan, and the COVID-19 add-on covers up to 90 days per trip on annual, so long trips may still need single-trip cover. On ShopBack Singapore the two are separate categories, Single Trip Travel and Annual Trip Travel, each with its own rate shown on this page, so compare the net premium after Cashback for your actual trip count.

Per the plan table on fwd.com.sg in October 2026, trip cancellation and loss of deposit is S$7,500 on Premium, S$10,000 on Business and S$15,000 on First; overseas medical expenses are S$200,000, S$500,000 and S$1,000,000; personal belongings S$3,000, S$5,000 and S$7,500; and travel delay S$300, S$800 and S$1,500. Premium suits short ASEAN trips, Business suits Japan, Korea, Australia and Europe where hospital bills run higher, and First suits the United States or long-haul trips with expensive prepaid bookings. The ShopBack Cashback amount is per category, not per tier, so the tier choice does not change the Cashback.

The base plan pays for trip cancellation and loss of deposits, medical expenses overseas, theft of or damage to your belongings and travel delays, and you can buy it up to 365 days before departure, per fwd.com.sg. Optional add-ons include pre-existing medical conditions cover for the one traveller who needs it, Cancel For Any Reason (up to S$6,000, as listed on FWD's site in October 2026) and enhanced COVID-19 cover. On ShopBack Singapore the policy tracks under Single Trip Travel or Annual Trip Travel within the tracking and confirmation times shown on this page.

FWD Flex is FWD's low-cost cover for all stages of cancer, late-stage heart attack and late-stage stroke, advertised from S$3 a month on the FWD deal card on ShopBack Singapore in October 2026. It earns Cashback at the rate shown on this page. Apply on fwd.com.sg in a web browser after going through ShopBack; the Cashback confirms after approval and the free-look period.

ShopBack Singapore lists two separate FWD cancer categories, Cancer and Cancer 100, each with its own rate shown on this page; the deal card describes FWD cancer insurance as paying 100% of the sum assured for all stages of cancer, including early stage. Check which product name appears on your fwd.com.sg quote (Cancer 2.0 or the 100 variant) so you know which row of the rate table applies. Both follow the same route: a new policy, applied for in a web browser after going through ShopBack.

FWD Home Insurance protects your home contents and more, from S$31 as listed on the FWD deal card on ShopBack Singapore in October 2026, which matters because the HDB fire insurance tied to a mortgage covers only the building structure, not renovations or belongings. Home insurance earns Cashback at the rate shown on this page. Apply on fwd.com.sg after going through ShopBack.

FWD Maid Insurance covers inpatient and outpatient expenses for your helper due to illness or injury, per the FWD deal card on ShopBack Singapore, alongside the personal accident and repatriation cover the Ministry of Manpower requires employers to hold. Maid insurance earns Cashback at the rate shown on this page.

Yes. Term Life Plus, CI Plus and Big 3 Critical Illness each earn Cashback on ShopBack Singapore at the rate shown on this page. Because these policies go through underwriting and a free-look period, the Pending amount confirms once the policy is approved and in force, within the confirmation times shown on this page.

FWD is the right pick on ShopBack Singapore for travel insurance when you want the Cancel For Any Reason add-on, for simple online cover such as FWD Flex, Big 3 or Cancer, and for maid or home insurance bought as a new policy. Skip the FWD page for car insurance, which is underwritten by Income anyway. Rule of thumb: new policy, web browser, through ShopBack first.

Once the policy moves from Pending to Confirmed, within the confirmation times shown on this page, the Cashback joins your withdrawable balance in the ShopBack Singapore app. Withdraw it in S$ to a linked Singapore bank account or via PayNow. Pending amounts become withdrawable once they confirm.

Only in a web browser. Start from the ShopBack Singapore website or the ShopBack app, which opens fwd.com.sg inside its in-app browser, complete the quote and payment there, and only then use the FWD app for policy documents and claims. On desktop, the ShopBack browser extension can prompt activation when you land on fwd.com.sg.

FWD lets you file a travel claim online through your FWD Online services account, a webform, or the Make a claim button in the FWD SG app, and its help centre says the claims team emails an acknowledgement within 2 working days of your submission. You do not have to file while you are still overseas: FWD says there is no penalty for filing after you return to Singapore. Keep your flight itinerary or boarding pass and original medical bills for a medical claim, and read the policy wording and exclusions before you buy, since they decide what gets paid. read more

FWD's quote depends on the plan and add-ons you pick: it sells travel insurance direct online, its Premium plan carries lower benefit limits than its Business and First plans, and optional covers such as Cancel For Any Reason and pre-existing medical conditions are priced separately. FWD also lets you buy pre-existing conditions cover only for the traveller who needs it, priced on that traveller's age, so a group does not pay for it across every policyholder. Compare the trip cancellation and overseas medical limits across tiers rather than the headline price, then go through ShopBack before you pay and check the live rate on this page.

Pick your dates, compare flights and hotels, go through ShopBack to the booking site, then pay with a travel card, and buy your FWD policy the same way soon after you book. Going through ShopBack is an essential step before you pay on fwd.com.sg, and buying early matters for cancellation cover: FWD says its Cancel For Any Reason add-on applies only if you buy it within 7 days from your initial trip deposit. Check the live rate on this page before you pay.