Family vacations should be stress-free and making sure you and your loved ones are well-protected can offer invaluable peace of mind. After analysing 27 insurers and over 80 individual plans, our travel insurance analysts made it easy for you to compare and buy some of the top travel insurance plans for family or group travel.

*Please read the important travel updates regarding COVID-19 here.

Cheapest Plans for Families
Budget Direct Travel Insurance: Offers one of the cheapest plans on the market
HL Assurance: Affordable plan for families regardless of destination
Tiq Entry Plan: Is the cheapest family plan but provides quality coverage
Direct Asia 150/200: Premiums cost 50% below average for families; good choice for global coverage
FWD Premium Plan: Combines affordable premiums with ability to customise coverage
Best Value Plans for Families
Allianz Travel Silver: Offers above average medical benefits and unique baggage damage coverage
FWD First Plan: Competitively priced for those who want to maximise trip inconvenience coverage
Aviva Prestige Plan: Good for families who take longer, adventure-filled trips
DBS Premier Plan: Costs below average for 1-2 weeks of coverage
Highest Coverage Plans for Families
FWD First Plan: More than double industry average trip inconvenience coverage
Allianz Travel Platinum Plan: Unlimited medical and repatriation expense coverage
MSIG Premier Plan: Offers 3-4x times the medical coverage compared to industry average
DBS Platinum Plan: 3-5x the trip inconvenience coverage than industry average; covers extreme sports
Cheapest Annual Plans for Families
HL Assurance Enhanced: Cheapest annual global plan for families
Wise Traveller Secure: One of the cheapest options for Asia coverage
Allianz Travel Silver: Offer comprehensive coverage resulting in high value for money
FWD Premium Plan: Higher than average trip inconvenience coverage
Cheapest Travel Insurance for Groups

Picking the Best Travel Insurance Plans for Families

We thoroughly researched and analysed 100's of data points from travel insurers in Singapore to find which plans will provide the best coverage for your family. You can compare our top picks based on price, region of travel and coverage.

This graph shows the cheapest 1 week travel insurance plans for families with 1 one child in Singapore travelling to the ASEAN region

Cheapest Plans	Highest Coverage	Best Group Coverage
Best Value for Money	Best Annual Plans	Methodology

Cheapest for FamiliesFWD, Budget Direct & more
Best Value for FamiliesAviva, Allianz Travel & more
Highest Coverage for FamiliesFWD, MSIG & more

Cheapest Annual for FamiliesAllianz, Wise, HLAS & more
Cheapest for GroupsFWD, Etiqa & more
Best Travel Insurance PromosFWD, Etiqa & more

Cheapest Family Travel Insurance for ASEAN and Asia Destinations


Our Picks		Get a Quote Get a Quote		Get a Quote Get a Quote
Our Picks	Entry	Basic	200	Premium
Asean Premiums^	S$62.79	S$49.60	S$52.50	S$49.46
Asia Premiums^	S$65.78	S$54.40	S$60.90	S$53.13
Medical (Adult)	S$200,000	S$150,000	S$200,000	S$200,000
Medical (Child)	S$75,000	S$100,000	S$200,000	S$60,000
Personal Accident	S$150,000	S$200,000	S$300,000	S$200,000
Trip Cancellation (Family Limit)	S$5,000	S$5,000	S$25,000	S$18,750
Baggage Loss (Family Limit)	$2,000	S$3,000	S$7,500	S$3,000
Travel Delay/Hour	S$50/3 hours	S$100/6 hours	S$100/6 hours	S$100/6 hours
^ Premiums shown for 1-week trips, 2 adults & 1 child

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FWD:

If you want to save on family travel insurance, Allianz Travel, Etiqa, Budget Direct, Direct Asia and FWD offer some of the cheapest travel insurance plans available. With all four basic plans costing between S$33-S$50 for a 1 week trip to the ASEAN region, whichever plan you choose can save your family up to 60% off the average cost of a family travel insurance plan.

For families who stick to the ASEAN region to visit family or go on generally short and cheap trips, Budget Direct may be a good option for you. In exchange for reducing benefits to medical, accident and baggage coverage, its single trip plans for families of 3 cost 50-55% below average. However, it does provide coverage for adventurous activities, so any activities you choose to do during your long weekend getaway will be covered (within limits).

Similar to Budget Direct, HL Assurance's Basic plan will be a great option for ASEAN and Asia trips. For a family of 3, it costs 50% below the industry average. However, it is a bit more generous with its benefits and can benefit families who are looking for a bit more value. While it doesn't increase its coverage for families, it does offer simple but useful coverage for things like missed connections, overbooked flights and medical coverage overseas and in Singapore.

Additionally, even though Etiqa Tiq's Entry plan provides decent medical and trip inconvenience coverage, as well as leniency when it comes to what they exclude from its coverage. It can be an affordable option for families who like to do simple outdoors activities like hiking, as Etiqa doesn't charge extra for adventurous activity coverage and provides coverage for a variety of sports.

If you are looking for plan that provides equal medical coverage for all members of your family, Direct Asia 150 or 200 plans, then Direct Asia will be a good fit for you. While its plans some of the cheapest, medical coverage for kids and adults are the same, so you can be sure that you won't be left with a large bill if your child ends up getting sick or gets into an accident. Best of all, children get covered for free.

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Travel\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/directasia-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - 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FWD:

Insurer	1-Week Premium
Medical (Adult): S$200,000 Medical (Child): S$75,000 Personal Accident: S$150,000 Trip Cancellation: S$5,000 Baggage Loss/Damage: $2,000 Travel Delay/Hour: S$50/3 hours	ASEAN: S$62.79 Asia: S$65.78
Medical (Adult): S$150,000 Medical (Child): S$100,000 Personal Accident: S$200,000 Trip Cancellation: S$5,000 Baggage Loss/Damage: S$3,000 Travel Delay/Hour: S$100/6 hours	ASEAN: S$49.60 Asia: S$54.40
Medical (Adult): S$200,000 Medical (Child): S$200,000 Personal Accident: S$300,000 Trip Cancellation: S$25,000 Baggage Loss/Damage: S$7,500 Travel Delay/Hour: S$100/6 hours	ASEAN: S$52.50 Asia: S$60.90
Medical (Adult): S$200,000 Medical (Child): S$60,000 Personal Accident: S$200,000 Trip Cancellation: S$18,750 Baggage Loss/Damage: S$3,000 Travel Delay/Hour: S$100/6 hours	ASEAN: S$49.46 Asia: S$53.13
Medical (Adult): S$50,000 Medical (Child): S$25,000 Personal Accident: S$50,000 Trip Cancellation: N/A Baggage Loss/Damage: S$500 Travel Delay/Hour: N/A	ASEAN: 48.53 Asia: 60.65
^Premiums shown for 1-week trips, 2 adults & 1 child

FWD's Premium family plan is also one of the cheapest options for Asia, and provides coverage for things like sports, pet care and terrorism. It can be a good option for families who like to customise their coverage, as FWD offers plenty of add-ons. FWD also offers sports equipment coverage, so families who golf, ski or snorkel with their equipment will be covered in case it gets damaged.

Cheapest Global Travel Insurance for Families


Our Picks		Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Entry	Basic	Premium	150
Premiums^	S$100.17	S$71.20	S$78.78	S$85.60
Medical (Adult)	S$200,000	S$150,000	S$200,000	S$150,000
Medical (Child)	S$75,000	S$100,000	S$60,000	S$150,000
Personal Accident	S$150,000	S$200,000	S$200,000	S$100,000
Trip Cancellation (Family)	S$5,000	S$5,000	S$18,750	S$7,500
Baggage Loss (Family)	$2,000	S$3,000	S$3,000	S$1,000
Travel Delay/Hour	S$50/3 hours	S$100/6 hours	S$100/6 hours	S$100/6 hours
^ Premiums shown for 1-week trips for worldwide coverage, 2 adults & 1 child

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FWD:

For families who casually vacation to countries worldwide (outside of Asia), Etiqa's Tiq Entry, HL Assurance, FWD's and Direct Asia offer the cheapest global travel insurance coverage.

As the cheapest, Etiqa Basic costs around S$47 for a 1-week global trip (70% cheaper than the family basic plan average); Direct Asia's 150 plan costs S$60 and HL Assurance costs around S$71. While their price gives them a good value, all three plans offer modest coverage and may not be a good fit for those looking for comprehensive policies. You can expect Etiqa to be the most lenient out of the three plans, as it covers extreme sports and terrorism.

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{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Etiqa Tiq Travel Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Etiqa Tiq Travel Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Image\" data-eventlabel=\"Hong Leong Group\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect\/travel_insurance_companies\/16?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fapp.hlas.com.sg%252Fredirect%253Freferral%253DVPI%2526type%253Dtravel\"\u003E\u003Cimg alt=\"Hong Leong Group\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/hlassurance-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - 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Button\" data-eventlabel=\"Hong Leong Group\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect\/travel_insurance_companies\/16?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fapp.hlas.com.sg%252Fredirect%253Freferral%253DVPI%2526type%253Dtravel\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/travel_insurance_companies\/15?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/travel_insurance_companies\/15?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/travel_insurance_companies\/15?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/travel_insurance_companies\/15?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Travel\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/directasia-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Travel\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/directasia-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice
FWD:

Insurer	1-Week Premium
Medical (Adult): S$200,000 Medical (Child): S$75,000 Personal Accident: S$150,000 Trip Cancellation: S$5,000 Baggage Loss/Damage: $2,000 Travel Delay/Hour: S$50/3 hours	Global: S$100.17
Medical (Adult): S$150,000 Medical (Child): S$150,000 Personal Accident: S$150,000 Trip Cancellation: S$3,000 Baggage Loss/Damage: S$1,000 Travel Delay/Hour: S$100/6 hours	Global: S$85.60
Medical (Adult): S$200,000 Medical (Child): S$60,000 Personal Accident: S$200,000 Trip Cancellation: S$18,750 Baggage Loss/Damage: S$3,000 Travel Delay/Hour: S$100/6 hours	Global: S$78.78
Medical (Adult): S$150,000 Medical (Child): S$100,000 Personal Accident: S$200,000 Trip Cancellation: S$5,000 Baggage Loss/Damage: S$3,000 Travel Delay/Hour: S$100/6 hours	Global: S$71.20
^Premiums shown for 1-week trips, 2 adults & 1 child

For families who casually vacation to countries worldwide (outside of Asia), Etiqa Basic, HL Assurance, FWD's and Direct Asia offer the cheapest global travel insurance coverage.

As the cheapest, HL Assurance costs S$71 for a 1-week global trip (55% cheaper than the family basic plan average). However, our other 3 plans are similarly a great bargain with average premiums costing 45% below average.While the prices are low compared to the industry average, these plans will cover you for all types of travel-related emergencies including medical coverage, missed connections, travel delays, trip cancellations and trip curtailment. These plans also provide adventurous activity coverage, so your family can go on hiking and skiing adventures.

Best Value Travel Insurance for Families


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	First	Silver	Prestige	Premier
Premiums^	S$89.77	S$112.00	S$00.00	S$75.29
Value Ratio	2.08	1.64	4.22	2.93
Medical (Adult)	S$1,000,000	S$1,000,000	Unlimited	S$500,000
Medical (Child)	S$300,000	S$200,000	Unlimited	S$300,000
Personal Accident	S$400,000	S$200,000	S$500,000	S$200,000
Trip Cancellation	S$37,500	S$15,000	S$20,000	S$30,000
Baggage Loss	S$7,500	S$18,000	S$8,000	S$5,000
Travel Delay	S$1,500	S$1,500	S$2,000	S$1,600
^ Premiums shown for 1-week trips for ASEAN coverage, 2 adults & 1 child

FWD:
DBS: 55% off Single Trips and 25% off Annual Multi-Trip Plans

The Allianz Travel Silver, Aviva, DBS Premier and FWD First plans will give you the greatest value for your dollar, with above average coverage and below average premiums for 1 week or annual ASEAN trips. Regardless of which insurer you choose, you will get a plan that is worth every dollar.

Allianz Travel's Silver plan is a great option for those looking for a high value, comprehensive plan with above average medical and trip inconvenience coverage. It also lets you claim for missing or damaged luggage that is carried on your person during travel, a rare feature among travel insurance plans.

FWD First's family plan is a great choice for those on a budget who want to maximise trip inconvenience coverage as it has almost triple the coverage compared to the industry average and below average prices for 1 and 2-week trips. It offers sports equipment coverage and covers a myriad of adventurous activities, so it could be a good option for families who are active on their trips.

Aviva's Prestige plan is a great value, albeit the most expensive, if you are planning on taking your family on longer adventure trips, as it offers great sports coverage and the highest medical and trip inconvenience coverage. You also have the flexibility to cancel your trip or change travel dates for any reason, which can benefit families with very busy schedules.

DBS Premier is also a great option as it costs below the industry family plan average for single trip ASEAN plans and is a good choice for 1 or 2 week trips, though it DBS starts to get pricey if you are looking for annual plans. Despite this, if you are looking for a plan will protect expensive family trips, DBS Premier will provide more than enough coverage with its S$45,000 limit for trip cancellation coverage.

This graph shows the value of travel insurance plans for families with 1 one child in Singapore travelling to the ASEAN region

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{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect\/travel_insurance_companies\/15?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DNonAPI%2526utm_campaign%253DPolicyPal\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - 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Family Comprehensive Single Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family Comprehensive Single Silver\" href=\"\/redirect\/travel_insurance_companies\/28?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fallianz.rvsspp.net%252Fc%252F1442323%252F1224117%252F10389\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family Comprehensive Single Silver\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/allianztravel-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - 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FWD:
DBS: 55% off Single Trips and 25% off Annual Multi-Trip Plans

Insurer	1-Week Premiums
Value Ratio: 2.08 Medical (Adult): S$1,000,000 Medical (Child): S$300,000 Personal Accident: S$400,000 Trip Cancellation: S$37,500 Baggage Loss/Damage: S$7,500 Travel Delay (Total): S$1,500	ASEAN: S$89.77 Asia: S$102.59 Global: S$141.06
Value Ratio: 1.64 Medical (Adult): S$1,000,000 Medical (Child): S$200,000 Personal Accident: S$200,000 Trip Cancellation: S$15,000 Baggage Loss/Damage: S$18,000 Travel Delay (Total): S$1,500	ASEAN: S$112.00 Asia: S$147.20 Global: S$177.60
Value Ratio: 4.22 Medical (Adult): Unlimited Medical (Child): Unlimited Personal Accident: S$500,000 Trip Cancellation: S$20,000 Baggage Loss/Damage: S$8,000 Travel Delay (Total): S$2,000	ASEAN: S$00.00 Asia: S$00.00 Global: S$00.00
Value Ratio: 2.93 Medical (Adult): S$500,000 Medical (Child): S$300,000 Personal Accident: S$200,000 Trip Cancellation: S$30,000 Baggage Loss/Damage: S$5,000 Travel Delay (Total): S$1,600	ASEAN: S$75.29 Asia: S$92.39 Global: SS$119.30
^Premiums shown for 1-week trips, 2 adults & 1 child

Highest Coverage Plans for Families


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	First	Gold	Premier	Platinum
Premiums^	S$89.77	S$148.50	S$117.50	S$99.41
Medical (Adult)	S$1,000,000	Unlimited	S$1,000,000	S$1,000,000
Medical (Child)	S$300,000	S$200,000	S$300,000	S$1,000,000
Personal Accident	S$400,000	S$200,000	S$500,000	S$500,000
Trip Cancellation (Family Limit)	S$37,500	S$25,000	S$37,500	S$30,000
Baggage Loss (Family Limit)	S$7,500	S$22,500	S$7,500	S$5,000
Travel Delay	S$1,500	S$1,500	S$3,000	S$1,600
^ Premiums shown for 1-week trips for ASEAN coverage, 2 adults & 1 child

FWD:
Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher

If you are not concerned about budget and would rather have as much coverage as possible, FWD First, DBS Platinum, MSIG Premier and Allianz Travel Gold offer some of the most comprehensive travel insurance policies on the market.

If you want a lenient policy with excellent trip inconvenience coverage, FWD's First family plan has more than double the industry average trip inconvenience coverage. Even though FWD First's annual plans cost above the industry average, its 1 and 2-week rates are fairly competitive at S$90 for a 1-week ASEAN trip compared to the family plan industry average of S$101. This makes it a good choice for families who travel 1-2 times a year, but less so for families who want to save on annual plans.

For families looking for excellent medical coverage, Allianz Travel's Platinum plan has unlimited medical and repatriation expense coverage with up unlimited medical and emergency evacuation coverage.

MSIG Premier's family plan can also be a good option for those looking to maximise medical protection as they offer 3-4x as much medical and personal accident coverage compared to the industry average.

However, if you are looking for maximum overall protection, DBS's Platinum family plan has a total of S$3,000,000 of medical, S$1,500,000 of personal accident and a total of S$57,000 of trip inconvenience coverage—3-5x higher than the industry average. Families who are active during their holidays will also appreciate the extreme sports and other outdoor activities, which will cover you if you incur a sports or activity injury. There is also coverage for your pet, golfing, funeral expenses and rental vehicle excess. However, because DBS is the priciest option, so we recommend this plan only to families who are not concerned about cost.

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{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family Annual Platinum - Image\" data-eventlabel=\"Allianz Global Assistance - Family Annual Platinum\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family Annual Platinum\" href=\"\/redirect\/travel_insurance_companies\/34?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fallianz.rvsspp.net%252Fc%252F1442323%252F1224117%252F10389\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family Annual Platinum\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/allianztravel-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - 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Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect\/travel_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance%252Fplan%252Fmsig%252Ftraveleasy\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"DBS Travel Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/dbs-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"DBS Travel Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/dbs-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

FWD:
DBS: 55% off Single Trips and 25% off Annual Multi-Trip Plans

Insurer	1-Week Premiums
Value Ratio: 2.08 Medical (Adult): S$1,000,000 Medical (Child): S$300,000 Personal Accident: S$400,000 Trip Cancellation: S$37,500 Baggage Loss/Damage: S$7,500 Travel Delay (Total): S$1,500	ASEAN: S$89.77 Asia: S$102.59 Global: S$141.06
Value Ratio: 2.20 Medical (Adult): Unlimited Medical (Child): S$200,000 Personal Accident: S$200,000 Trip Cancellation: S$25,000 Baggage Loss/Damage: S$22,500 Travel Delay (Total): S$1,500	ASEAN: S$148.50 Asia: S$196.50 Global: S$230.25
Value Ratio: 2.24 Medical (Adult): S$1,000,000 Medical (Child): S$300,000 Personal Accident: S$500,000 Trip Cancellation: S$37,500 Baggage Loss/Damage: S$7,500 Travel Delay (Total): S$1,500	ASEAN: S$117.50 Asia: S$149.00 Global: S$183.75
Value Ratio: 3.29 Medical (Adult): S$1,000,000 Medical (Child): S$300,000 Personal Accident: S$500,000 Trip Cancellation: S$45,000 Baggage Loss/Damage: S$8,000 Travel Delay (Total): S$2,000	ASEAN: S$99.41 Asia: S$124.25 Global: S$157.50
Value Ratios are for 1-Week ASEAN trips
^Premiums shown for 2 adults & 1 child

Best Travel Insurance for Pregnant Women


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Silver	Plus
Premium^	60.00	54.78
Medical (Adult)	S$1,000,000	S$2,000,000
Personal Accident	S$200,000	S$100,000
Cancellation	S$15,000	S$15,000
Baggage Loss/Damage	S$18,000	S$5,000
Emergency Pregnancy Benefits	S$5,000	Cancellation/Trip Interruption
^1-week premium for trip to ASEAN destinations

While most travel insurers cover medical or personal accident expenses only if there is an accidental injury that causes complications with your pregnancy, Allianz and Aviva offer up to S$8,000 of pregnancy-related emergency medical expense coverage which can cover illnesses like nausea or dizziness, as well as emergency treatment related to pregnancy and childbirth.

For ASEAN and Asia travellers, Allianz Travel will be your best value, with above average medical emergency coverage (for pregnancy complications), 24/7 emergency services and above average travel inconvenience benefits.

For expecting mothers wanting to protect their trip itinerary, Aviva goes a step further by offering a free extension that will let you claim for trip cancellation, trip interruption (back to Singapore only) and replacement of a business traveller in the event of pregnancy-related emergency.

One thing to note is that there are still some exclusions to coverage including first trimester pregnancies, childbirth complications, pregnancy-related mental illnesses and fertility treatments. It is important to always read the terms and conditions to see where the limits of your pregnancy coverage begins and ends to avoid ending up in an unfortunate circumstance.

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Premiums & Benefits

Insurer	1-Week Premiums
Medical (Adult): S$2,000,000 Personal Accident: S$100,000 Trip Cancellation: S$15,000 Baggage Loss/Damage: S$5,000 Emergency Pregnancy Benefits: Cancellation/Trip Interruption	ASEAN: 54.78 Asia: 53.30 Global: 80.03
Medical (Adult): S$1,000,000 Personal Accident: S$200,000 Trip Cancellation: S$15,000 Baggage Loss/Damage: S$18,000 Emergency Pregnancy Expenses: S$5,000	ASEAN: 60.00 Asia: 62.40 Global: 118.80
^Premiums are for individual traveller

Cheapest Annual Travel Insurance for Families


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Enhanced	Premium	Secure	Entry
Premiums^	S$374.50	S$327.93	S$400.00	S$307.97
Medical (Adult)	S$250,000	S$200,000	S$305,000	S$200,000
Medical (Child)	S$100,000	S$60,000	N/A	S$75,000
Personal Accident	S$250,000	S$200,000	S$200,000	S$150,000
Trip Cancellation	S$7,000	S$25,000	S$10,300	S$5,000
Baggage Loss	S$5,000	S$22,500	S$4,800	S$2,000
Travel Delay	S$1,000	S$1,500	S$1,030	S$300
^ Premiums shown for 1-week trips for ASEAN coverage, 2 adults & 1 child

Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice
FWD:

If you and your family travel often (more than 5-6 times per year) and you prefer to buy an annual travel insurance plan, the Wise Traveller, Allianz Travel Silver, HL Assurance, Budget Direct Basic, Etiqa Basic, and FWD Premium plans are going to be your cheapest options. Compared to the industry average of S$504.88 for an annual ASEAN plan, these plans cost 30-40% cheaper than the industry average.

HL Assurance's Enhanced plan is the cheapest annual global plan for families on the market, 40% below average, and offers comprehensive trip inconvenience coverage.

Wise Traveller is another very affordable option and can be a good fit if you care about trip inconvenience coverage. It is also one of the cheapest options for Asia Pacific coverage, with an annual premium of S$280 for 3 people.

FWD and Etiqa are great options for active families due to their flexible coverage policies, small amount of exclusions and included sports coverage. FWD can be a good fit if you care about travel inconvenience coverage, as it has higher than average coverage in that area compared to the basic plan average. On the other hand, if you want protection against possible terrorism, Etiqa' Tiq plans have terrorism cover for both you and your children. Both plans provide coverage for adventurous activities, so active families can rest easy knowing they can participate in fun excursions or ski/snowboard and still be covered.

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{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Image\" data-eventlabel=\"Hong Leong Group\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect\/travel_insurance_companies\/16?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fapp.hlas.com.sg%252Fredirect%253Freferral%253DVPI%2526type%253Dtravel\"\u003E\u003Cimg alt=\"Hong Leong Group\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/hlassurance-2\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - 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Family Comprehensive Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" href=\"\/redirect\/travel_insurance_companies\/29?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fallianz.rvsspp.net%252Fc%252F1442323%252F1224117%252F10389\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/allianztravel-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - 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Family Comprehensive Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" href=\"\/redirect\/travel_insurance_companies\/29?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fallianz.rvsspp.net%252Fc%252F1442323%252F1224117%252F10389\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/allianztravel-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family Comprehensive Annual Silver - Button\" data-eventlabel=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family Comprehensive Annual Silver\" href=\"\/redirect\/travel_insurance_companies\/29?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fallianz.rvsspp.net%252Fc%252F1442323%252F1224117%252F10389\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

Purchase a travel policy and stand a chance to win a flight ticket to a destination of your choice
FWD:

Insurer	Annual Premiums
Medical (Adult): S$250,000 Medical (Child): S$200,000 Personal Accident: S$100,000 Trip Cancellation: S$7,000 Baggage Loss/Damage: S$5,000 Travel Delay (Total): S$1,000	ASEAN: S$374.50 Asia: S$374.50 Global: S$468.00
Medical (Adult): S$200,000 Medical (Child): S$60,000 Personal Accident: S$200,000 Trip Cancellation: S$18,750 Baggage Loss/Damage: S$7,500 Travel Delay (Total): S$1,500	ASEAN: S$327.93 Asia: S$348.08 Global: S$436.02
Value Ratio: 3.29 Medical (Adult): S$305,000 Personal Accident: S$205,000 Trip Cancellation: S$10,300 Baggage Loss/Damage: S$4,800 Travel Delay (Total): S$1,030	ASEAN: S$400.00 Asia: S$540.00 Global: S$540.00
Value Ratio: 0.61 Medical (Adult): S$200,000 Medical (Child): S$75,000 Personal Accident: S$150,000 Trip Cancellation: S$5,000 Baggage Loss/Damage: S$2,000 Travel Delay (Total): S$300	ASEAN: S$307.97 Asia: S$325.91 Global: S$408.14
^Premiums shown for 1-week trips, 2 adults & 1 child

HL Assurance's Enhanced plan is the cheapest annual global plan for families on the market, 40% below average, and offers comprehensive trip inconvenience coverage.

FWD and Etiqa are great options for active families due to their flexible coverage policies, small amount of exclusions and included sports coverage. FWD can be a good fit if you care about travel inconvenience coverage, as it has higher than average coverage in that area compared to the basic plan average. On the other hand, if you want protection against possible terrorism, Etiqa has terrorism cover for both you and your children.

Cheapest Travel Insurance for Groups


Our Picks	Get a Quote Get a Quote

FWD:
Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
DBS: 55% off Single Trips and 25% off Annual Multi-Trip Plans

If you are travelling with a group of 4 adults or more and want to save on group insurance, DBS, FWD, Etiqa and Direct Asia will be your cheapest options. With premiums for a 1-week ASEAN trip ranging between S$19 and S$22 per person, these plans are either discounted for groups or are already cheap enough that you can purchase the plans individually and still pay less than the industry average for group plans. DBS, Direct Asia and FWD all have group options where the discounted rate ranges from 6% for FWD, 10% for Direct Asia and 20% for DBS classic.

FWD gives you a higher discount the more people you add to your group, with 20 people costing around 14% cheaper per person. It is generally a solid value option with premiums that are competitive and coverage that is comprehensive and customisable.

Etiqa's Tiq plans insure up to 10 people per trip and is one of the more affordable travel insurance options. Coverage is generally comprehensive enough, with industry average coverage for medical and trip inconvenience. It is also the first insurer to provide real time flight tracking for delays, which can be a beneficial feature when travelling with large groups. You can also include people who are visiting from overseas in your travel insurance group plan, which makes this plan a great option if you have friends from overseas who want to explore the ASEAN region with you.

If you travel with a group of friends or colleagues frequently, Direct Asia and Budget Direct offer annual plans for groups. However, you should note that Direct Asia only insures up to 6 people per trip. Also, even though Direct Asia cost around the same as DBS, it has below average for trip inconvenience and medical coverage, so it is not a good option for groups who want comprehensive coverage.

DBS will usually give you the highest coverage amounts and will cover extreme sports, but it is also slightly more expensive than the other plans on this list. However, similar to Direct Asia, DBS only covers up to 6 people per trip, so large groups may not find this plan suitable.

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FWD:
Etiqa: 45% off single-trip and 30% off annual-trip travel insurance; add'tl 10% off on Fridays)

Travel & COVID-19 Updates

As of June 15, 2020, all Singaporeans are advised to avoid travel. Several countries are experience increasing rates of infection and may be risky for travel. However, there is an exception for essential business and official travel operating under the Green/Fast Lane arrangements. Furthermore, please note that if you are planning a trip and have recently bought a travel insurance policy, you may not be eligible for claims related to Covid-19. Furthermore, upon return to Singapore, you will be require to serve a mandatory Stay-Home Notice (SHN) as well as a test.

Please note as of July 19th, 2020, travellers who stayed the past 14 days in Australia (besides Victoria), Brunei Darussalam, Macao SAR, mainland China, New Zealand, South Korea, Taiwan and Vietnam no longer need to serve their SHN at an SHN Dedicated Facility. Instead, Singaporean citizens and permanent residents can serve their 14 day SHN at home. To learn more please click here.

Methodology & Considerations

To pick the best travel insurance plan for families, we collected price and benefit data of all the available plans in Singapore based on a family of 2 adults and 1 child. Every insurer approaches family travel insurance plans differently—while some offer completely different coverage amounts and separate plans, others don't differentiate individual and family plans until you get to the premiums. For the latter plans, we used their child and individual coverage to estimate the maximum coverage for two parents and one child. Since insurers may include their promotions and discounts in their pricing, all of our prices reflect the final premium after discounts are taken into consideration.

Insurance Companies In Sample
AIG	AXA Insurance	EQ	Hong Leong Group	SOMPO Insurance
Allianz Travel	AXA@Post	ERGO	Liberty Insurance	Tokio Marine Insurance Group
American Express	DBS	Etiqa	MSIG	Wise Traveller
Aviva	Direct Asia Insurance	FWD	Income	Budget Direct Insurance
Citibank	Great Eastern	AIA	Chubb

To calculate the value of each plan, we created a weighted ratio of trip inconvenience (trip cancellation, baggage loss/delay, travel delay) coverage plus medical coverage and divided it by the premium of each plan to find out the amount of coverage you'll receive per dollar of premium. This ratio helped guide our decisions to the plans that will give you the best value or will provide the best coverage. If you would like to learn more about different travel insurance plans, or you want to look at our top picks for all the travel insurance plans, you can read our guide to the best travel insurance in Singapore.

Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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