Best Travel Insurance for Sports 2024

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For sports and adventure enthusiasts, knowing that you and your sports equipment will be protected when travelling is crucial. To help you buy the best plan for your next adventure, our insurance experts analysed 80 travel insurance plans to find the ones that are best for adventurous activities. To make your policy shopping easier, you can compare our top travel insurance picks for sports-related trips based on budget and activity.

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

Best Plans for Winter Sports:
  • Etiqa Tiq Travel: One of the cheapest plans on the market, offers equipment coverage
  • FWD Travel Insurance: Budget option that offers equipment and winter sports coverage
  • MSIG Travel Insurance: Covers a variety of winter activities like dog sledding, tobogganing & ice skating
  • Direct Asia Travel insurance: Good annual value for money plans for frequent adventurous travellers
  • Aviva Travel Insurance: Competitive pricing for annual plans that feature sports coverage
  • American Express: Most expensive plan but offers coverage for ski lift passes, equipment and medical coverage
Best Plans for Water Sports:
  • FWD Travel Insurance: Affordable option that offers optional cover for basic water sports and equipment
  • Etiqa Travel Insurance: Another budget option that offers water sports coverage
  • MSIG Travel Insurance: Full coverage for jet skiing, white water rafting, canoeing and diving
  • Direct Asia Travel Insurance: Good option for annual plans but you have to pay extra for sports coverage
  • HL Assurance Enhanced: Offers promotions for hotels and car rentals, saving money on trip overall
  • Aviva Travel Insurance: Offers affordable add-on option for seamless water sports coverage
Best Plans for Miscellaneous Sports
  • FWD Travel Insurance: Offers good value for money and covers variety of sports
  • Etiqa Travel Insurance: Budget option that includes sports cover
  • Budget Direct Travel Insurance: Best budget option and covers 85 adventurous activities
  • DBS Travel Insurance: Covers a variety of miscellaneous activities like mountaineering and rafting
  • Direct Asia Travel Insurance: Offers full extreme sports coverage but at additional cost
Best Plans for Golf Coverage:
  • FWD Travel Insurance: Budget option that offers golf equipment coverage
  • American Express Travel Insurance: Offers highest golf coverage equipment but can be pricey
  • MISG Travel Insurance: Best option for frequent golfers as annual plan is competitively priced
  • Aviva Travel Insurance: Most comprehensive golf coverage for an additional fee.

Picking the Best Travel Insurance Plans for Sports Coverage

We thoroughly researched and analysed 100's of data points to find the travel insurance plans that provide the most comprehensive coverage for whatever adventures you'll get up to on your holidays. Compare our top picks by sports activity and type of coverage.

This graph compares the price of major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers compare and find the cheapest travel insurance for their trip
Best for Winter Sports
Best for Misc. Sports
Best for Water Sports
Best for Golf

Best Travel Insurance for Winter Sports

Our Picks
FWD
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FWD
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Etiqa Tiq Travel Insurance
Etiqa Tiq Travel Insurance
MSIG
Get a Quote
MSIG
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BusinessSavvyElite
Premiums^:
S$29.25
S$40.30
S$38.25
MedicalS$500,000S$500,000S$500,000
Personal AccidentS$300,000S$300,000S$200,000
Trip DelayS$500S$1,000S$1,000
EquipmentS$2,000S$2,000N/A
Piste ClosureN/AS$1,000N/A
^ Premiums shown for 1-week ASEAN trips; does not include optional sports add-on
  • FWD:

If you travel to participate in winter sports activities like skiing or snowboarding, FWD, MSIG and Etiqa are great options to consider as they cover winter sports-related medical expenses and/or equipment damage.

Etiqa is a good budget option as it is one of the cheapest travel insurers on the market. Etiqa's Tiq travel insurance offers up to S$4,000 of equipment coverage, depending on your plan and also covers adventurous activities like hiking.

FWD is another great budget option, as they have some of the cheapest travel insurance prices on the market. Despite the low cost, FWD offers up to S$2,000 of equipment coverage for an additional S$8. Like Etiqa, it also covers adventurous activity as well. Considering that sporting equipment is expensive and repairs can be costly, both FWD and Etiqa can be great options to consider for equipment protection.

Last, MSIG also has good winter sports coverage, including coverage for things such as dog-sledding, tobogganing and ice skating. It is neither the most expensive, nor the cheapest but with coverage above average, it can be a good value option. Lastly, unlike the other plans featured, it does not offer equipment or piste closure coverage and may thus be less suitable for skiers.

  • Etiqa Tiq Travel Insurance
    Etiqa Tiq Travel Insurance
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Image\" data-eventlabel=\"MSIG\" 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\"\u003E\u003Cimg alt=\"MSIG\" 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\/msig-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/msig-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\/msig-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\/msig-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: MSIG - 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\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: MSIG - Image\" data-eventlabel=\"MSIG\" 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\"\u003E\u003Cimg alt=\"MSIG\" 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\/msig-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/msig-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\/msig-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\/msig-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: MSIG - 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"],"offsetPercentage":20}
  • FWD:
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$2,000
  • Rental Equipment: S$100/day
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$29.25
  • Annual ASEAN: S$277.31
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$2,000
  • Rental Equipment: N/A
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$40.30
  • Annual ASEAN: S$293.00
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Owned Equipment: N/A
  • Rental Equipment: N/A
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$38.25
  • Annual ASEAN: S$248.00

Etiqa is a good budget option as it is one of the cheapest travel insurers on the market. Etiqa's Tiq travel insurance offers up to S$4,000 of equipment coverage, depending on your plan and also covers adventurous activities like hiking.

FWD is another great budget option, as they have some of the cheapest travel insurance prices on the market. Despite the low cost, FWD offers up to S$2,000 of equipment coverage for an additional S$8. Like Etiqa, it also covers adventurous activity as well. Considering that sporting equipment is expensive and repairs can be costly, both FWD and Etiqa can be great options to consider for equipment protection.

Last, MSIG also has good winter sports travel insurance coverage, including coverage for things such as dog-sledding, tobogganing and ice skating. It is neither the most expensive, nor the cheapest but with coverage above average, it can be a good value option. Lastly, unlike the other plans featured, it does not offer equipment or piste closure coverage and may thus be less suitable for skiers.

Best Annual Plans for Winter Sports

Our Picks
Singlife with Aviva
Get a Quote
Singlife with Aviva
Get a Quote
Direct Asia Insurance - Annual
Get a Quote
Direct Asia Insurance - Annual
Get a Quote
American Express
American Express
Plus200Standard
Premiums^:
S$326.00
S$149.00
S$204.00
MedicalS$2,000,000S$200,000S$1,000,000
Personal AccidentS$100,000S$300,000S$250,000
Trip DelayS$1,000N/AS$1,000
EquipmentS$3,000S$5,000 (extra cost)S$3,000
Rental EquipmentS$500S$100/day (extra cost)S$500
Piste ClosureS$1,000N/AS$250
^ Premiums shown for Annual ASEAN trips; does not include optional sports add-on

If you go on ski or snowboarding trips several times a year and want a sports-focused annual plan, Direct Asia, American Express and Aviva may be good options. Their sports-related coverage is quite comprehensive and their prices remain competitive even with adventurous activity add-ons

DirectAsia may be a good travel insurance option for very frequent sports enthusiasts and travellers. This is because it only offers extreme sports coverage and sports equipment coverage for its annual plans. DirectAsia's 200 plan offers some of the cheapest annual plans on the market (S$149-S$209), so even with the additional cost of the extreme sports add-on, DirectAsia will remain affordable for most budget sports travellers.

Aviva is a high value plan for winter sports due to its competitive pricing and medical, accident, equipment damage and deposit loss expense coverage. Though Aviva is one of the more expensive insurers, we found that its Plus plan is one of the best value travel insurance plans on the market (coverage per dollar spend). Similar to Direct Asia, you have to buy winter sports coverage as an optional add-on, which costs S$34.00

While American Express is the most expensive, with single trip premiums including winter sports cover ranging from S$74-S$98.80 and annual premiums S$421-$655, it covers everything ski or snowboard related, from replacement of ski lift passes to ski equipment and medical coverage.

  • American Express
    American Express
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Annual\" href=\"\/redirect\/travel_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRA\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Annual\" 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\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: Direct Asia Insurance - Annual - Button\" data-eventlabel=\"Direct Asia Insurance - Annual\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Annual\" href=\"\/redirect\/travel_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRA\"\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: Direct Asia Insurance - Annual - Image\" data-eventlabel=\"Direct Asia Insurance - Annual\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Annual\" href=\"\/redirect\/travel_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRA\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Annual\" 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\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: Direct Asia Insurance - Annual - Button\" data-eventlabel=\"Direct Asia Insurance - Annual\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Annual\" href=\"\/redirect\/travel_insurance_companies\/30?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRA\"\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=\"American Express\" 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\/amex-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/amex-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\/amex-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\/amex-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=\"American Express\" 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\/amex-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/amex-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\/amex-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\/amex-1 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}
InsurerPremiums
  • Medical: S$2,000,000
  • Personal Accident: S$100,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • Ski Deposit: S$500
  • Piste Closure: S$1,000
  • Annual ASEAN: S$326.00
  • Annual Global: S$346.00
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$5,000
  • Rental Equipment: S$100/day
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • Annual ASEAN: S$149.00
  • Annual Global: S$209.00
  • Medical: S$1,000,000
  • Personal Accident: S$250,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • Ski Deposit: S$250
  • Piste Closure: S$250
  • Annual ASEAN: S$204.00
  • Annual Global: S$319.20
Premiums do not include optional sports cover

If you go on ski or snowboarding trips several times a year and want a sports-focused annual plan, Direct Asia, American Express and Aviva may be good options. Their sports-related coverage is quite comprehensive and their prices remain competitive even with adventurous activity add-ons

DirectAsia may be a good travel insurance option for very frequent sports enthusiasts and travellers. This is because it only offers extreme sports coverage and sports equipment coverage for its annual plans. DirectAsia's 200 plan offers some of the cheapest annual plans on the market (S$149-S$209), so even with the additional cost of the extreme sports add-on, DirectAsia will remain affordable for most budget sports travellers.

Aviva is a high value travel insurance plan for winter sports due to its competitive pricing and medical, accident, equipment damage and deposit loss expense coverage. Though Aviva is one of the more expensive insurers, we found that its Plus plan is one of the best value plans on the market (coverage per dollar spend). Similar to Direct Asia, you have to buy winter sports coverage as an optional add-on, which costs S$34.00

While American Express is the most expensive travel insurance plan, with single trip premiums including winter sports cover ranging from S$74-S$98.80 and annual premiums S$421-$655, it covers everything ski or snowboard related, from replacement of ski lift passes to ski equipment and medical coverage.

Best Travel Insurance for Water Sports

Our Picks
Etiqa Tiq Travel Insurance
Etiqa Tiq Travel Insurance
FWD
Get a Quote
FWD
Get a Quote
Direct Asia Insurance - Travel
Direct Asia Insurance - Travel
Singlife with Aviva
Get a Quote
Singlife with Aviva
Get a Quote
SavvyBusiness200Plus
Premiums^
S$40.30
S$29.25
S$40.25
S$54.78
MedicalS$500,000S$500,000S$200,000S$500,000
Accident/DeathS$300,000S$300,000S$300,000S$300,000
CancellationS$10,000S$10,000$10,000S$15,000
Baggage DamageS$5,000S$5,000S$3,000S$5,000
Rental EquipmentN/AS$100/day (extra cost)S$100/day (extra cost)S$500 (extra cost)
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD:
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher

People who prefer to engage in water-based sports like white-water rafting, parasailing and scuba-diving can find substantial coverage with insurers like Aviva, FWD, Etiqa, Direct Asia and MSIG.

FWD and Etiqa are great budget-friendly travel insurance options and offer coverage for basic water sports like scuba diving (no deeper than 30 metres) and canoeing. FWD also offers S$2,000 of sports equipment coverage for S$8 extra so you are covered for any related gear you bring with you. FWD and Etiqa are both good options for people who prefer basic coverage for cheaper price.

If you are looking for a travel insurance plan with a specific water sports add-on to ensure maximum coverage, Aviva's optional water sports coverage includes death and permanent disablement, medical, loss of water sports equipment and hire of water sports equipment coverage. However it'll only cover canoeing, kayaking and white-water rafter in below level 3 waters. Because it costs an additional S$40, we recommend this plan mainly for people who don't care about price and are willing to pay extra to protect their expensive equipment.

DirectAsia and MSIG give you full coverage for jet skiing, white water rafting, canoeing and diving. However, Direct Asia's adventure cover is only available for annual plans and you'll have to pay an additional amount to receive the cover, bringing your total annual cost between S$214 and S$344. In contrast, MSIG, FWD and Etiqa's plans include these travel insurance coverage options as a default.

  • Etiqa Tiq Travel Insurance
    Etiqa Tiq Travel Insurance
  • Direct Asia Insurance - Travel
    Direct Asia Insurance - Travel
{"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: 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\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: Singlife with Aviva - Image\" data-eventlabel=\"Singlife with Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003E\u003Cimg alt=\"Singlife with Aviva\" 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\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 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: Singlife with Aviva - Button\" data-eventlabel=\"Singlife with Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\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: Singlife with Aviva - Image\" data-eventlabel=\"Singlife with Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003E\u003Cimg alt=\"Singlife with Aviva\" 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\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 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: Singlife with Aviva - Button\" data-eventlabel=\"Singlife with Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD:
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: S$2,000 (extra cost)
  • Rental Equipment: S$100/day (extra cost)
  • 1-Week ASEAN: S$29.25
  • Annual ASEAN: S$277.31
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$15,000
  • Baggage Damage:S$5,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • 1-Week ASEAN:S$54.78
  • Annual ASEAN: S$326.00
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: N/A
  • Rental Equipment: N/A
  • 1-Week ASEAN: S$40.30
  • Annual ASEAN: S$293.00
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$3,000
  • Owned Equipment: S$5,000 (addtl cost)
  • Rental Equipment: N/A
  • 1-Week ASEAN: $40.25
  • Annual ASEAN: $149.00
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: N/A
  • Rental Equipment: S$500
  • 1-Week ASEAN: S$38.25
  • Annual ASEAN: S$248.00
Premiums don't include optional sports coverage add-ons

People who prefer to engage in water-based sports like white-water rafting, parasailing and scuba-diving can find substantial coverage with insurers like Aviva, FWD, Etiqa, Direct Asia and MSIG.

FWD and Etiqa are great budget-friendly travel insurance options and offer coverage for basic water sports like scuba diving (no deeper than 30 metres) and canoeing. FWD also offers S$2,000 of sports equipment coverage for S$8 extra so you are covered for any related gear you bring with you. FWD and Etiqa are both good options for people who prefer basic coverage for cheaper price.

If you are looking for a travel insurance plan with a specific water sports add-on to ensure maximum coverage, Aviva's optional water sports coverage includes death and permanent disablement, medical, loss of water sports equipment and hire of water sports equipment coverage. However it'll only cover canoeing, kayaking and white-water rafter in below level 3 waters. Because it costs an additional S$40, we recommend this plan mainly for people who don't care about price and are willing to pay extra to protect their expensive equipment.

DirectAsia and MSIG give you full coverage for jet skiing, white water rafting, canoeing and diving. However, Direct Asia's adventure cover is only available for annual plans and you'll have to pay an additional amount to receive the cover, bringing your total annual cost between S$214 and S$344. In contrast, MSIG, FWD and Etiqa's plans include these travel insurance coverage options as a default.

Best Travel Insurance for Miscellaneous Adventurous Activity

Our Picks
Etiqa Tiq Travel Insurance
Etiqa Tiq Travel Insurance
FWD
Get a Quote
FWD
Get a Quote
BudgetDirect
Get a Quote
BudgetDirect
Get a Quote
Direct Asia Insurance - Travel
Direct Asia Insurance - Travel
SavvyBusinessComprehensive200
Premiums^
S$40.30
S$29.25
S$28.83
40.25
MedicalS$500,000S$500,000S$250,000S$200,000
Accident/DeathS$300,000S$300,000S$250,000S$300,000
Hiking/Trek3,000m3,000m4,000m1,500m; 4,000m (extra cost)
Hot Air BalloonCoveredCoveredNot CoveredCovered
Sky-Diving/BungeeCoveredCoveredNot CoveredCovered
MountaineeringCoveredCoveredNot CoveredNot Covered
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD:
  • BudgetDirect: Use Affinity Code VALUE5 for an extra 5% off (new customers only)

If you intend to participate in miscellaneous outdoor activities like mountaineering, canoeing, hiking, skydiving or going on any kind of non-commercial aerial ride, AXA, DBS, Direct Asia, FWD, Etiqa, Budget Direct, MSIG can be good options provided you understand their terms and conditions.

FWD and Etiqa's Tiq mid-tier travel insurance plans will give you adequate coverage for common or tourist-related outdoor excursions like basic hiking, skiing in a resort or hot-air ballooning, while also being one of the cheapest plans available on the market. Costing around S$35 for a 1-week ASEAN plan, these plans automatically include coverage for basic sports activities that are deemed safe for the general public. You can also purchase additional sports equipment coverage for less than S$20 from either insurer.

Budget Direct is the best travel insurance option for cost-conscious but very active individuals and families as it has the cheapest policies on the market but covers around 85 different activities. Despite this, it doesn't offer any coverage for bunjee jumping, mountaineering or hot air balloon rides, so we recommend going with one of the 3 other insurers in this section. Lastly, you shouldn't expect very high coverage, as Budget Direct focuses on providing its consumers low premiums instead of above average benefit limits.

DBS will cover the aforementioned activities, including mountaineering and white-water rafting provided you don't mountaineer above 3,000 metres or white-water raft in Grade 4 or higher waters. However, DBS is quite expensive due to its high limits, so we recommend this plan for travellers who aren't as sensitive to price.

DirectAsia offers full extreme sports coverage only as an add-on for annual plans, so it may be a good choice for adventure enthusiasts who travel more than 5 times a year. In particular, its Travel 500 annual plan's price of S$185-S$239 also makes DirectAsia a good budget option, as you will be paying less than the industry average for global travel insurance coverage (even with the additional sports coverage) and around the average for Asia and ASEAN coverage.

  • Etiqa Tiq Travel Insurance
    Etiqa Tiq Travel Insurance
  • Direct Asia Insurance - Travel
    Direct Asia Insurance - Travel
{"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: 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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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}
  • FWD:
  • BudgetDirect: Use Affinity Code VALUE5 for an extra 5% off (new customers only)
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): Yes
  • Amateur Triathlon/Marathon: N/A
  • 1-Week ASEAN: S$29.25
  • Annual ASEAN: S$277.31
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): Yes
  • Amateur Triathlon/Marathon: Marathon Only
  • 1-Week ASEAN: S$40.30
  • Annual ASEAN: 293.00
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 4,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): No
  • Amateur Triathlon/Marathon: Yes
  • 1-Week ASEAN: S$40.25
  • Annual ASEAN: S$149.00
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): up to 3,000m
  • Amateur Triathlon/Marathon: No
  • 1-Week ASEAN: S$34.25
  • Annual ASEAN: S$231.00
  • Medical: S$250,000
  • Personal Accident: S$250,000
  • Hiking/Trekking: up to 4,000m
  • Hot Air Balloon Rides: No
  • Sky-diving/Bungee Jumping: No
  • Mountaineering (no equip.): No
  • Amateur Triathlon/Marathon: Marathon only
  • 1-Week ASEAN: S$28.83
  • Annual ASEAN: S$214.00

If you intend to participate in miscellaneous outdoor activities like mountaineering, canoeing, hiking, skydiving or going on any kind of non-commercial aerial ride, AXA, DBS, Direct Asia, FWD, Etiqa, Budget Direct, MSIG can be good options provided you understand their terms and conditions.

FWD and Etiqa's Tiq mid-tier travel insurance plans will give you adequate coverage for common or tourist-related outdoor excursions like basic hiking, skiing in a resort or hot-air ballooning, while also being one of the cheapest plans available on the market. Costing around S$35 for a 1-week ASEAN plan, these plans automatically include coverage for basic sports activities that are deemed safe for the general public. You can also purchase additional sports equipment coverage for less than S$20 from either insurer.

Budget Direct is the best travel insurance option for cost-conscious but very active individuals and families as it has the cheapest policies on the market but covers around 85 different activities. Despite this, it doesn't offer any coverage for bunjee jumping, mountaineering or hot air balloon rides, so we recommend going with one of the 3 other insurers in this section. Lastly, you shouldn't expect very high coverage, as Budget Direct focuses on providing its consumers low premiums instead of above average benefit limits.

DBS will cover the aforementioned activities, including mountaineering and white-water rafting provided you don't mountaineer above 3,000 metres or white-water raft in Grade 4 or higher waters. However, DBS is quite expensive due to its high limits, so we recommend this plan for travellers who aren't as sensitive to price.

DirectAsia offers full extreme sports coverage only as an add-on for annual plans, so it may be a good choice for adventure enthusiasts who travel more than 5 times a year. In particular, its Travel 500 annual plan's price of S$185-S$239 also makes DirectAsia a good budget option, as you will be paying less than the industry average for global travel insurance coverage (even with the additional sports coverage) and around the average for Asia and ASEAN coverage.

Best Travel Insurance for Golf

Our Picks
FWD
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FWD
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Singlife with Aviva
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Singlife with Aviva
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MSIG
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MSIG
Get a Quote
American Express
American Express
BusinessPlusEliteStandard
Premiums^
S$29.25
S$54.78
S$38.25
S$38.35
MedicalS$500,000S$500,000S$250,000S$500,000
Baggage LossS$5,000S$5,000S$5,000S$3,000
EquipmentS$2,000S$2,000S$1,000S$3,000
RentalsS$100/dayS$500N/AN/A
Unused FeeN/AS$500S$500S$750
Hole-in-1N/AS$1,000S$500S$300
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD:

If you are looking to protect your golfing equipment, you can opt for FWD's additional sports equipment coverage as it includes golf equipment. That way, whether you end up golfing or not, you'll still be protected from damage or loss.

Golfers who fly several times per year may find MSIG's Elite annual plan worth considering. Not only is it one of the cheaper annual travel insurance plans on this list, but it also provides green fee and equipment coverage.

Aviva has the most comprehensive golfing coverage (for an additional S$14.80 fee), which includes accidental loss or damage of equipment, hire of golfing equipment, damage of buggy, unused green fees and hole-in-one coverage.

Lastly, Sompo includes golf cover in its premiums and covers for golf equipment, hole-in-one and green fees. However, you only get the full coverage if you purchase its Elite plan (S$52 for a 1-week ASEAN trip). Sompo's Deluxe plan will only give you S$500 of equipment loss or damage coverage, which may not be sufficient for golfers.

For those with very expensive golf clubs, American Express offers the highest coverage for golf equipment at S$5,000, although it has some of the highest premiums on the market.

  • American Express
    American Express
{"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 - 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 \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Singlife with Aviva - Image\" data-eventlabel=\"Singlife with Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003E\u003Cimg alt=\"Singlife with Aviva\" 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\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 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: Singlife with Aviva - Button\" data-eventlabel=\"Singlife with Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\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: Singlife with Aviva - Image\" data-eventlabel=\"Singlife with Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\u003E\u003Cimg alt=\"Singlife with Aviva\" 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\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/Singlife_logo_Horizontal_Red_Transparent_Aug_2023.jpg 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: Singlife with Aviva - Button\" data-eventlabel=\"Singlife with Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Singlife with Aviva\" href=\"\/redirect\/travel_insurance_companies\/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fquotebuy.singlife.com%252Fqnb%252Fgi%252F%2523%252Ftravel%252Fget-quote%253FaffCode%253DPP001\"\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: MSIG - Image\" data-eventlabel=\"MSIG\" 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\"\u003E\u003Cimg alt=\"MSIG\" 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\/msig-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/msig-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\/msig-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\/msig-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: MSIG - 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\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: MSIG - Image\" data-eventlabel=\"MSIG\" 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\"\u003E\u003Cimg alt=\"MSIG\" 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\/msig-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/msig-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\/msig-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\/msig-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: MSIG - 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=\"American Express\" 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\/amex-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/amex-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\/amex-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\/amex-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=\"American Express\" 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\/amex-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/amex-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\/amex-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\/amex-1 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:
InsurerPremiums
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$100/day(extra cost)
  • Unused Green Fee: N/A
  • Hole-in-1: N/A
  • 1-Week ASEAN: S$29.25
  • Annual ASEAN: S$277.31
  • Medical: S$2,000,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$500
  • Unused Green Fee: S$500
  • Hole-in-1: S$1,000
  • 1-Week ASEAN: 54.78
  • Annual ASEAN: 326.00
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$1,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$500
  • Hole-in-1: S$500
  • 1-Week ASEAN: 38.25
  • Annual ASEAN: 248.00
  • Medical: S$210,000
  • Baggage Loss/Damage: S$3,000
  • Owned Equipment: S$3,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$750
  • Hole-in-1: S$300
  • 1-Week ASEAN: 38.35
  • Annual ASEAN: 204.00
  • Medical: S$300,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$500
  • Rented Equipment: N/A
  • Unused Green Fee: N/A
  • Hole-in-1: N/A
  • 1-Week ASEAN: 30.60
  • Annual ASEAN: 214.40

If you are looking to protect your golfing equipment, you can opt for FWD's additional sports equipment coverage as it includes golf equipment. That way, whether you end up golfing or not, you'll still be protected from damage or loss.

For those with very expensive golf clubs, American Express offers the highest coverage for golf equipment at S$5,000, although it has some of the highest premiums on the market.

Golfers who fly several times per year may find MSIG's Elite annual plan worth considering. Not only is it one of the cheaper annual travel insurance plans on this list, but it also provides green fee and equipment coverage.

Aviva has the most comprehensive golfing coverage (for an additional S$6.64 fee), which includes accidental loss or damage of equipment, hire of golfing equipment, damage of buggy, unused green fees and hole-in-one coverage.

Lastly, Sompo includes golf cover in its premiums and covers for golf equipment, hole-in-one and green fees. However, you only get the full coverage if you purchase its Elite plan (S$52 for a 1-week ASEAN trip). Sompo's Deluxe plan will only give you S$500 of equipment loss or damage coverage, which may not be sufficient for golfers.

Travel Insurance Sports Coverage Considerations

Across the board, there are a few activities that insurers will not cover, no matter how lenient they are in their adventurous activity policies. This includes traveling for competitive sports, participating in activities for reward or monetary gain, drag racing, trekking above a 3,500-4,000m, scuba diving unaccompanied below 30 metres and expeditions to undiscovered places. In short, you won't be covered if you are competing as a professional athlete or participating in extreme activity without a licensed guide. If you fit into these categories, you most likely already have coverage provided by your company or you'll have to find specific insurers that are designed for athletes.

However, if you are a going on a family ski vacation or hoping to go on a low-impact hike and want to err on the safer side, you will receive more than enough coverage from the above insurers, provided that you choose the right plan and add-ons. If you would like to learn more, we've prepared guides for our top picks for family-focused insurance plans and for the over-all best travel insurance policies.

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.

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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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