Cheap Travel Insurance Singapore 2026: Can You Get Money Back Online?
Yes, Singapore travellers can get money back on travel insurance bought online in 2026 by going through ShopBack Singapore before they pay, then comparing cover properly. What Trip.com, FWD and Singlife list for travel insurance at the time of writing, how to find cheap cover without losing protection, and how the effective price works.
Yes. In Singapore in 2026, the most direct way to get money back on travel insurance bought online is to go through ShopBack Singapore before you pay, then buy the policy on the insurer's or booking site's own page. Prices start low: Trip.com Singapore lists international travel insurance from S$22.50 at the time of writing, according to its own insurance page. The real saving comes from comparing the same cover, then lowering the final price.
New to ShopBack Singapore? ShopBack is a free app and website. You start from ShopBack, tap through to a partner store such as Trip.com, Agoda, Klook, FWD or Singlife, and buy as usual on that store's site. Part of what you spend comes back to your ShopBack account as cash once the purchase is confirmed. Sign up to ShopBack Singapore for free before you buy your cover.
Is there a way to get money back on travel insurance bought online in Singapore?
Yes, and there are three separate ways money can come back to you: through ShopBack when you buy, through the insurer when you claim, and through a refund if the product allows cancellation. They work very differently, so it helps to keep them apart.
- Money back when you buy. Go through ShopBack Singapore to the insurer or booking site, then buy the policy as normal. After the purchase is confirmed, part of the premium comes back as cash. Your effective price is what you pay minus the cash ShopBack returns.
- Money back when something goes wrong. That is what the policy itself is for. According to FWD Singapore, trip cancellation cover runs from S$7,500 on its Premium plan to S$15,000 on its First plan. A cheap policy with low limits returns less if you need to claim.
- Money back if you cancel the policy. Some products allow this and some do not. At the time of writing, a few options on Trip.com Singapore's insurance page carry a "free cancellation" label; other policies follow each insurer's own terms.
The first one lowers the price you pay up front, on eligible plans. The other two depend on what happens on your trip and on the policy wording.
Cheap travel insurance in Singapore: what the numbers look like
Cheap travel insurance in Singapore can start at around S$20 to S$35 for a short international trip, but the medical and cancellation limits change a lot between plans. Here is what three providers list on their own sites at the time of writing.
| Provider | Plan or option | Overseas medical cover | Trip cancellation cover | Listed starting price |
|---|---|---|---|---|
| Trip.com Singapore | International Travel Insurance (single return trip) | S$250,000 | S$5,000 | From S$22.50 |
| Trip.com Singapore | International Travel Insurance (return trip) | S$350,000 | S$10,000 | From S$28.00 |
| FWD Singapore | Premium / Business / First | S$200,000 / S$500,000 / S$1 million (adults below 70) | S$7,500 / S$10,000 / S$15,000 | Shown after a quote |
| Singlife | Travel Lite / Travel Plus / Travel Prestige | S$250,000 / S$1,000,000 / Unlimited (up to age 70) | Varies by plan (see Singlife's plan table) | Shown after a quote |
Sources: Trip.com Singapore travel insurance page, FWD Singapore travel insurance page, Singlife travel insurance page, all at the time of writing. Prices depend on destination, dates, age and the options you pick.
What the table shows: the cheapest listed option is not automatically the cheapest for you. If you are heading somewhere with high medical costs, or you have paid a large non-refundable deposit, the plan with the higher limits may be the better buy.
Cheap travel insurance in Singapore 2026: how to pay less without losing cover
In 2026, the cheapest way to insure a trip is to pick the cover you actually need, compare it like for like, and then lower the final price before you pay. A simple routine:
- Decide your minimum cover. Overseas medical, trip cancellation and baggage are the three numbers most people compare.
- Get two or three quotes for the same trip. Same destination, same dates, same travellers.
- Match the optional covers. Pre-existing medical conditions and Cancel for any reason are usually priced separately. FWD says its pre-existing conditions cover pays up to S$150,000 for overseas medical expenses and applies for up to 30 days on single trips and up to 45 days per trip on annual policies.
- Check family pricing. FWD notes that you only need its pre-existing conditions cover for the traveller who needs it, priced on that traveller's age.
- Go through ShopBack Singapore before you pay, so the effective price drops.
Cheap travel insurance best deals in Singapore for 2026
The best travel insurance deal in Singapore in 2026 is usually the lowest final price for the cover you need, bought soon after you book the trip. Waiting too long can cost you more than a sale saves, because of two timing rules:
- Cancellation cover starts when you buy. If you book flights months ahead and insure later, anything that makes you cancel in between is usually not covered.
- Some optional covers have a deadline. FWD says its Cancel for any reason cover, worth up to S$6,000, is for single trips and must be bought within 7 days of the initial trip deposit. Singlife says its Cancel for Any Reason cover must be bought within 14 days of the initial trip payment.
Promotions do run. Insurers such as FWD, Singlife and MSIG run travel promotions on their own sites from time to time, and the terms change, so check each insurer's page in the week you book. Then buy through the FWD store page on ShopBack, the Singlife store page on ShopBack or the MSIG travel insurance page on ShopBack.
Other travel insurers Singapore residents often compare include Income Insurance, Etiqa, AIG and HL Assurance.
Trip.com vs Agoda: which is better for cheap travel insurance?
Of the two, Trip.com is the one with a dedicated travel insurance section on its Singapore site at the time of writing, while Agoda is mainly where Singapore travellers book hotels. Trip.com says it partners with insurance companies to offer cover against trip delays or cancellations, medical expenses, personal accidents and emergency assistance.
At the time of writing, Trip.com Singapore lists four featured options:
- International Travel Insurance (One-Way Trip) from S$35.00, with S$350,000 overseas medical, S$10,000 travel cancellation and S$5,000 baggage cover, and terrorism cover with no deductible.
- International Travel Insurance (Return Trip) from S$28.00, with the same S$350,000, S$10,000 and S$5,000 limits, and adventurous activities cover.
- International Travel Insurance (One-Way Trip) from S$22.50, with S$250,000 overseas medical, S$5,000 travel cancellation and S$800 travel delay cover, labelled free cancellation.
- International Travel Insurance (Single Return Trip) from S$22.50, with the same S$250,000, S$5,000 and S$800 limits and 24-hour worldwide assistance, also labelled free cancellation.
A practical way to use both sites: book the hotel on whichever of Agoda or Trip.com has the lower price for the same room, going through ShopBack first, then compare Trip.com's insurance options with a direct quote from an insurer for the same dates.
Trip.com, Agoda and Klook: where travel insurance fits in a Singapore trip
For most Singapore travellers, Trip.com, Agoda and Klook cover different parts of the same trip, and insurance is one more purchase in that list. Trip.com sells flights, hotels and its own travel insurance section. Agoda is mainly used for hotels and other stays. Klook is mainly used for attraction tickets, tours, rail passes and eSIMs.
Because you often buy several things for one holiday, the order matters:
- Book flights and hotel, going through ShopBack Singapore before each booking.
- Buy travel insurance the same day, so cancellation cover starts as early as possible.
- Book tours, tickets and passes on Klook through ShopBack closer to the date, once plans are firm.
Other booking sites Singapore travellers use for the same trips include Expedia, Booking.com and Traveloka.
FWD and Singlife: what the insurers' own plans include
FWD and Singlife both sell tiered travel plans directly online in Singapore, and the tier you pick changes your limits far more than any discount.
FWD Singapore. FWD sells Premium, Business and First plans. According to FWD, emergency medical evacuation and repatriation is unlimited on all three, baggage theft or damage cover is S$3,000, S$5,000 and S$7,500, and travel delay cover is S$300, S$800 and S$1,500. Optional covers include Cancel for any reason, pre-existing medical conditions, COVID-19 cover and a sports equipment protector worth up to S$2,000. See the FWD store page on ShopBack before you buy.
Singlife. Singlife sells Travel Lite, Travel Plus and Travel Prestige. According to Singlife, baggage and personal belongings cover is S$3,000, S$5,000 and S$8,000, and accidental death and disability cover is S$50,000, S$100,000 and S$500,000 across the three. Pre-existing medical conditions cover is available for single trips of up to 30 days, and the Rainfall Protection payout of up to S$150 applies to single trips of at least 3 days. Start from the Singlife store page on ShopBack.
Why ShopBack is a step before you buy travel insurance
The last step before you book flights or hotels, and before you buy the insurance that goes with them: open ShopBack. It takes a few seconds and changes the final price.
How it works with ShopBack Singapore:
- Open the ShopBack app or shopback.sg.
- Search for the insurer or booking site, for example Trip.com, FWD or Singlife.
- Tap through from the store page and buy the policy on the store's own site as usual.
- Once the purchase is confirmed, the cash is added to your ShopBack account.
Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles. Your effective price is what you pay minus the cash ShopBack returns.
The live rate, and which products are eligible, is shown on each store's ShopBack page, so check the live rate on the Trip.com page, the FWD page or the Singlife page before you pay.
Frequently asked questions
Is there a way to get money back on travel insurance bought online in Singapore?
Yes. In Singapore, the simplest way is to go through ShopBack Singapore before you buy the policy on the insurer's or booking site's own page. Once the purchase is confirmed, part of what you paid comes back to your ShopBack account as cash, which lowers the effective price of the policy. The live rate and eligible plans are shown on each store's ShopBack page.
What is the cheapest travel insurance in Singapore in 2026?
There is no single cheapest policy, because the premium depends on destination, trip length, age and plan tier. As a reference point, Trip.com Singapore lists international travel insurance from S$22.50 at the time of writing, with S$250,000 overseas medical cover and S$5,000 travel cancellation cover on that option. Compare the same trip and cover level on two or three sites before you buy.
Does Trip.com sell travel insurance in Singapore?
Yes. Trip.com Singapore has a Travel Insurance section and says it partners with insurance companies to offer cover. At the time of writing it lists one-way and return international options from S$22.50 to S$35.00, with overseas medical cover of S$250,000 or S$350,000 depending on the option.
Is Trip.com or Agoda better for cheap travel insurance?
Of the two, Trip.com is the one that shows a dedicated travel insurance section on its Singapore site at the time of writing. Agoda is mainly where Singapore travellers book hotels. A sensible approach is to book the hotel where the room is cheapest, then compare Trip.com's insurance options with an insurer's own quote for the same trip.
Is FWD travel insurance good value?
FWD Singapore sells Premium, Business and First travel plans. According to FWD, overseas medical cover for adults below 70 is S$200,000, S$500,000 and S$1 million across those plans, and trip cancellation cover is S$7,500, S$10,000 and S$15,000. Whether it is good value depends on the quote for your trip compared with other insurers.
What does Singlife travel insurance cover?
Singlife sells Travel Lite, Travel Plus and Travel Prestige. According to Singlife, overseas medical cover is S$250,000 on Travel Lite, S$1,000,000 on Travel Plus and unlimited on Travel Prestige for insured persons up to 70. Single trips of at least 3 days can also get a Rainfall Protection payout of up to S$150 if heavy rain affects the trip.
Can I get a refund if I cancel my travel insurance?
It depends on the product and when you cancel. Some options on Trip.com Singapore are labelled free cancellation at the time of writing, while other policies follow the insurer's own cancellation terms. Read the policy wording before you pay, and check the insurer's terms for refunds after the policy has started.
When should I buy travel insurance to avoid losing money?
Usually as soon as you book the trip. Trip cancellation cover generally protects you from the day the policy starts. FWD says its Cancel for any reason cover must be bought within 7 days of the initial trip deposit, and Singlife says its version must be bought within 14 days of the initial trip payment.
How does ShopBack lower the price of travel insurance?
Open ShopBack Singapore, go to the insurer's or booking site's store page, tap through and buy as normal. Your effective price is what you pay minus the cash ShopBack returns. Check the live rate on the store's ShopBack page before you pay.
Does cashback on travel insurance work like points?
No. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles. Once confirmed, it sits in your ShopBack account and can be withdrawn.
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Ready to insure your trip?
Picked your cover? Buy it through ShopBack Singapore so the effective price drops: start from Trip.com on ShopBack if you are booking your flights there, or the FWD and Singlife store pages for a direct quote. Book the hotel on Agoda through ShopBack and the tours on Klook through ShopBack.
Disclaimer
The views in this article are those of the author. Plan names, cover limits and starting prices are taken from each provider's own website at the time of writing and can change. This article is general information, not financial or insurance advice; read the policy wording before you buy. Promotions, prices and ShopBack rates change often; the live rate and terms are on each store's ShopBack page.
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