Annual travel insurance plans are a smart and economical option for frequent travellers. Below, you'll be able to compare our top picks out of the 80 thoroughly researched annual travel insurance plans available in Singapore based on where you are planning to go, the benefits you want and your budget.

*COVID-19 and Travel: While Singapore and certain neighboring countries are seeing success in decreasing COVID-19 transmission and are opening up their international borders, please note that COVID-19 transmission is still persisting in many countries. Therefore, we recommend following the Ministry of Health's travel advisories; following all pre- and post-travel guidelines at your destination and upon return to Singapore; and buying travel insurance that provides coverage for COVID-19.

Cheapest Annual Insurance:

Allianz Travel Silver: Maximum trip inconvenience and medical benefits for the price-point
The Wise Traveller Secure: Great deal for global trips, as plans cost 45% below average for worldwide coverage
ERGO Essential: Good value for money option, cheapest annual plan for ASEAN cover
Budget Direct: Cheapest annual travel insurance on the market
Etiqa Basic: Modest coverage overall, but has above average personal accident coverage

Best Value Annual Insurance:

Allianz Travel Silver: Offers 20-30% higher benefit limits for trip inconvenience benefits like cancellations and delays
Direct Asia 200: Good option for families who want affordable plan for travel to Asian or ASEAN regions.
FWD Business: Competitive price and generous sports equipment coverage makes it good value for adventurous travellers
Aviva Travel Plus: Offers above average S$2,000,000 of medical coverage
HL Assurance Enhanced: Offers promotions for hotels and car rentals, saving money on trip overall
Wise Traveller: Best value for money for budget travellers, especially for global travellers

Best Coverage & Benefits:

Aviva Travel Gold: Offers unlimited medical, hospital and dental cvoerage for sickness and accidents
Aviva Prestige: Offers 50-80% higher benefit limits for baggage-related claims and lets you cancel trip for any reason

Best for Pre-Existing Medical Conditions:

Income Pre-EX: Offers annual plans that cover pre-existing conditions; covers COVID-19 claims for certain countries

Best Annual Insurance for Sports: See why FWD, Etiqa, DBS, Direct Asia & Aviva are our top picks for adventurous travellers

Picking the Best Annual Travel Insurance

We thoroughly researched 80 annual travel insurance products available in Singapore to help you compare and buy a policy that will be the best fit based on your budget, desired coverage and travel habits.

This graph compares the cost of the cheapest annual travel insurance policies for trips within ASEAN in Singapore for 2019

Cheapest Annual Plans	Highest Coverage Plans	Best For Sports Coverage
Best Value Annual Plans	For Pre-Ex Conditions	Methodology

Cheapest Annual InsuranceFWD, Etiqa & more
Best Value Annual InsuranceAviva, Allianz Travel & more
Best Coverage & BenefitsAviva, Allianz Travel

Best for Pre-X ConditionsIncome
Best Annual Plans for SportsDirect Asia, Aviva & more
Best PromotionsFWD, Etiqa & more

Cheapest Annual Travel Insurance


Our Picks:		Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks:	Entry	Basic	Essential
Premiums From	S$206.00	S$128.20	S$110.40
Medical	S$200,000	S$50,000	S$200,000
Accident/Death	$150,000	S$50,000	S$200,000
Cancellation	S$5,000	N/A	S$10,000
Trip Delay	$300	N/A	S$1,000
Premiums for annual travel insurance plans covering the ASEAN region

BudgetDirect: Use Affinity Code VALUE5 for an extra 5% off (new customers only)
with SGSaver Exclusive Promotion: Get up to S$35 via PayNow

For consumers looking for the cheapest annual travel policies, Etiqa, Wise, Budget Direct and ERGO can be good options to consider. For instance, their basic-tier ASEAN region annual travel insurance plans cost 37-42% less than the basic-tier industry average of S$190.

Budget Direct's Basic plan offers the cheapest annual plans on the market regardless of destination. However, due to its very modest coverage it may only work for consumers whose main priority is cost. For instance, it does not include coverage for trip cancellations or trip delays. However, it does cover injuries due to riots and passive war.

Etiqa's Tiq plan is another good choice for travellers who frequently fly outside of Asia as it offers the cheapest rates for global coverage. Furthermore, it is a good option for adventurous travellers since it offers coverage for a myriad of sports and activities like skiing, hiking (up to 3,000 metres) and snorkeling. For a small fee, you can also add modest sports equipment coverage.

ERGO's Essential plan is the cheapest option for travellers who tend to stick around the ASEAN region. Its premium is 42% cheaper than basic plans for ASEAN coverage and it offers modest coverage for a wide array of potential travel inconveniences, such as missed connections, delays, cancellations, medical emergencies and even pregnancy sicknesses. Furthermore, it includes adventurous activity and sports equipment coverage at no extra cost.

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BudgetDirect: Use Affinity Code VALUE5 for an extra 5% off (new customers only)
with SGSaver Exclusive Promotion: Get up to S$35 via PayNow

Premiums & Benefits

Insurer	Premiums
Value Ratio: 0.68 Accident & Death: S$150,000 Medical: S$200,000 Trip Delay: S$300 Trip Cancellation: S$5,000 Baggage Loss/Damage: S$2,000	ASEAN: S$206.00 Asia: S$141.70 Global: S$177.45
Value Ratio: 0.11 Accident & Death: S$200,000 Medical: S$200,000 Trip Delays: N/A Cancellation: N/A Baggage Loss/Damage: S$500	ASEAN: S$128.20 Asia: S$136.00 Global: s$172.00
Value Ratio: 1.43 Accident & Death: S$200,000 Medical: S$200,000 Trip Delays: S$1,000 Cancellation: S$5,000 Baggage Loss/Damage: S$3,000	ASEAN: S$110.40 Asia: S$144.00 Global: S$226.40

Best Value Annual Travel Insurance Plans Trips in ASEAN and Asia


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Silver	200	Business	Travel Plus
ASEAN Premium	S$149.00	S$257.60	S$277.31	S$326.00
Asia Premium	S$149.00	S$358.80	S$211.20	S$281.00
Value Ratio	1.99	1.42	0.90	1.42
Medical	S$1,000,000	S$200,000	S$500,000	S$2,000,000
Accident/Death	S$80,000	S$300,000	S$300,000	S$100,000
Cancellation	S$15,000	S$10,000	$10,000	S$15,000
Trip Delay	S$1,500	S$1,000	S$500	S$1,000

For frequent travellers within the ASEAN and Asia regions, Allianz, Aviva, Direct Asia and FWD will give you the highest value plans.

Due to its low price, Direct Asia's 200 plan is a great choice for consumers who want a budget-focused plan. It is especially competitive among Asian or ASEAN-region annual plans, as it costs S$149, S$100 less than average for those regions. Furthermore, it can be a good option for family travellers because its child limits are the same as adult limits, which is a fairly unique feature among travel insurance plans.

For consumers who want a good balance of both medical and trip inconvenience coverage, Allianz Travel Silver could be a good fit as it offers above average medical, travel delay/cancellation and baggage loss coverage. However, Allianz is only a good fit for people looking for annual plans that provide coverage throughout Asia, as it doesn't offer ASEAN annual plans. Furthermore, though it's priced on the more expensive side, it offers the best package we've seen for this climate-24/7 emergency assistance, a variety of cruise benefits (for domestic tourism) and medical/trip inconvenience coverage for pandemics.

FWD's Business plan offers sports equipment coverage as an add-on with higher than average personal accident coverage, making it a good option for frequent sports enthusiast travellers. To get the most for your money, we recommend waiting until FWD offers a promotion between 20-25%, as its current 10% discount makes its pricing less competitive compared to other insurers.

Aviva's Travel Plus plan is one of the highest value plans as it offers competitive pricing along with above average medical and trip inconvenience coverage. However, it has below average baggage coverage compared to Allianz.

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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:

Premiums & Benefits

Insurer	Premiums
Value Ratio: 1.99 Accident & Death: S$80,000 Medical: S$1,000,000 Trip Delay: S$1,500 Cancellation: S$15,000 Baggage Loss/Damage: S$12,000	ASEAN: S$257.60 Asia: S$358.80
Value Ratio: 1.42 Accident & Death: S$100,000 Medical: S$2,000,000 Trip Delays: S$1,000 Cancellation: S$15,000 Baggage Loss/Damage: S$5,000	ASEAN: S$326.00 Asia: S$281.00
Value Ratio: 1.42 Accident & Death: S$300,000 Medical: S$200,000 Trip Delay: S$1,000 Trip Cancellation: S$10,000 Baggage Loss/Damage: S$3,000	ASEAN: S$149.00 Asia: S$149.00
Value Ratio: 0.90 Accident & Death: S$300,000 Medical: S$500,000 Trip Delays:S$500 Cancellation: S$10,000 Baggage Loss/Damage: S$5,000	ASEAN: S$277.31 Asia: S$211.20

For frequent travellers within the ASEAN and Asia regions, Allianz, Aviva, Direct Asia and FWD will give you the highest value plans.

FWD's Business plan offers sports equipment coverage as an add-on with higher than average personal accident coverage, making it a good option for frequent sports enthusiast travellers.

Best Value Annual Travel Insurance Plans for Global Trips


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Premium	Silver	500	Plus
Premium	S$310.00	S$345.60	S$239.00	S$346.00
Value Ratio	1.54	2.16	2.09	1.52
Medical	S$480,000	S$1,000,000	S$500,000	S$2,000,000
Accident/Death	S$340,000	S$80,000	S$500,000	S$100,000
Cancellation	S$13,700	S$15,000	$15,000	S$15,000
Trip Delay	S$2,000	S$1,500	S$1,500	S$1,000

If you often fly outside of Asia and you want to maximise the coverage you get for your dollar, choosing either Allianz, Aviva, Wise Traveller or DirectAsia will ensure you get the most value for your dollar. The plans cost between S$209 and S$346 and have competitive trip inconvenience, medical and personal accident benefits.

If you are worried about trip inconvenience such as trip cancellations and baggage delays, Allianz Travel Silver offers 20-30% higher total coverage than the industry average.

If you want to maximise medical protection, Aviva's Travel Plus offers great above average medical coverage of S$2,000,000 with a comprehensive list of inclusions like burns, war, emergency pregnancy, motorcycle accidents and injury due to smoke, fumes or gas.

Wise Traveller Premium is best for a high value budget plan as it only costs S$215, almost 35% cheaper than the industry average for global annual plans. However, it is known for having fairly strict exclusions so travellers should read the policy wording before purchasing.

Lastly, while DirectAsia has some of the highest value plans for both individual travellers and families thanks to its affordable pricing and generous benefits. Its 500 plan offers everything you need to protect your trip including coverage for missed connections, trip delays, medical emergencies, damage to belongings and rental car excess with coverage limits that are more than high enough to ensure any emergency is covered.

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Comprehensive Annual Silver\" href=\"\/redirect\/travel_insurance_companies\/26?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance%252Fplan%252Fallianz%252Fallianz_travel\"\u003E\u003Cimg alt=\"Allianz Global Assistance - 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 - Comprehensive Annual Silver - Button\" data-eventlabel=\"Allianz Global Assistance - Comprehensive Annual Silver\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Comprehensive Annual Silver\" href=\"\/redirect\/travel_insurance_companies\/26?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance%252Fplan%252Fallianz%252Fallianz_travel\"\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: Allianz Global Assistance - 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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 - 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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 - 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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 - 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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}

Premiums & Benefits

Insurer	Global Trip Premiums
Value Ratio: 2.16 Accident & Death: S$80,000 Medical: S$1,000,000 Trip Delay: S$1,500 Cancellation: S$15,000 Baggage Loss/Damage: S$12,000	345.60
Value Ratio: 1.52 Accident & Death: S$100,000 Medical: S$2,000,000 Trip Delays: S$1,000 Cancellation: S$15,000 Baggage Loss/Damage: S$5,000	346.00
Value Ratio: 1.54 Accident & Death: S$340,000 Medical: S$480,000 Trip Delay: S$2,000 Cancellation: S$13,700 Baggage Loss/Damage: S$4,800	269.00
Value Ratio: 2.09 Accident & Death: S$500,000 Medical: S$500,000 Trip Delays: S$1,500 Cancellation: S$15,000 Baggage Loss/Damage: S$5,000	239.00

If you are worried about trip inconvenience such as trip cancellations and baggage delays, Allianz Travel Silver offers 20-30% higher total coverage than the industry average.

Annual Travel Insurance with the Best Coverage


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote
	Gold	Prestige
Premiums from^	359.25	356.00
Value Ratio	2.76	1.79
Medical	Unlimited	Unlimited
Accident/Death	S$100,000	S$500,000
Cancellation	S$25,000	S$10,500
Trip Delay	S$1,500	S$2,000
^Annual premiums for ASEAN trips

If you are not restricted by price and want the highest possible coverage, then Allianz and Aviva will give you the greatest protection whether you want maximum medical, travel inconvenience or personal accident coverage.

Allianz Travel Platinum is best for those who want medical protection, as it has unlimited medical, hospital and dental coverage for sickness and accidents, S$50,000 for outpatient expenses and S$100,000 in personal accident coverage. They also provide plenty of coverage for adventurous travellers, pandemics/endemics and cruise trips. However, please note they do not provide annual trip coverage for the ASEAN.

If you travel with expensive belongings and want to make sure they are well protected, Aviva's Prestige plan offers respectively 50% and 80% more baggage-related coverage than the industry average. Another notable perk for Aviva is that you can change or cancel your trip for any reason, although you'll be only be able to claim between S$3,000-S$5,000.

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Premiums & Benefits

Insurer	Premiums
Value Ratio: 2.76 Accident & Death: S$100,000 Medical: Unlimited Trip Delay: S$1,500 Cancellation: S$25,000 Baggage Loss/Damage: S$15,000	ASEAN: 359.25 Asia: 501.00 Global: 499.50
Value Ratio: 1.79 Accident & Death: S$500,000 Medical: Unlimited Trip Delays: S$2,000 Cancellation: S$20,000 Baggage Loss/Damage: S$8,000	ASEAN: 356.00 Asia: 392.00 Global: 506.00

Best Annual Travel Insurance for Pre-Existing Medical Conditions

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Promotion: (excluding Pre-Ex)

Benefit	Basic	Superior	Prestige
Medical (for pre-ex conditions)	S$100,000	S$100,000	S$200,000
Personal Accident	S$200,000	S$200,000	S$200,000
Medical Evacuation	Unlimited	Unlimited	Unlimited
Trip Cancellation	S$10,000	S$10,000	S$15,000
Trip Delay	S$1,500	S$1,500	S$2,000

If you have pre-existing medical conditions, Income offers a line of travel insurance plans specifically for people with pre-existing conditions. The only caveat is that if you want to purchase the annual plan, you can only do so if you call them directly and you have to be ready to pay a 50% deductible if you file a claim for a reason arising out of a pre-existing condition. However, for travellers with chronic illnesses or other medical conditions that could complicate their trips, Income's annual travel insurance policies are a must-have.


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Promotion: (excluding Pre-Ex)

Benefit	Basic	Superior	Prestige
Medical (for pre-ex conditions)	S$100,000	S$100,000	S$200,000
Personal Accident	S$200,000	S$200,000	S$200,000
Medical Evacuation	Unlimited	Unlimited	Unlimited
Trip Cancellation	S$10,000	S$10,000	S$15,000
Trip Delay	S$1,500	S$1,500	S$2,000

Annual Travel Insurance with the Best Cover for Sports


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	200	Business	Plus	Economy
Premiums^	S$149.00	S$277.31	S$326.00	S$217.91
Medical	S$200,000	S$500,000	S$2,000,000	S$500,000
Accident/Death	S$300,000	S$300,000	SS$100,000	S$300,000
Cancellation	S$10,000	S$10,000	S$15,000	S$10,000
Trip Delay	S$1,000	S$500	S$5,000	S$500
^Annual ASEAN plans

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

If you're planning to pursue high-octane activities like sky-diving or snowboarding while abroad, FWD, Etiqa, DBS, Direct Asia and MSIG are our picks for insurers with the best sports coverage. Additionally, you can also consider Aviva is great choice for sports equipment coverage as you can cover your own or rented winter or water sports equipment for an additional S$5-7.

In general, all of these insurers cover the basic winter, water, outdoor and miscellaneous adventurous activities such as hiking, skiing, scuba diving and sky-diving. However, you should always be sure to read the terms and conditions to make sure your specific activity will be covered. If you would like to read a more in-depth review on travel insurance policies that have generous extreme sports activity coverage, we've written a guide to some of the best policies in the market for this criteria.

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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: 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 - 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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 \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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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 - 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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: Etiqa - Image\" data-eventlabel=\"Etiqa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect\/travel_insurance_companies\/14?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance\"\u003E\u003Cimg alt=\"Etiqa\" 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_PrimaryLogoONLY_Vertical_RGB.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/Tiq_PrimaryLogoONLY_Vertical_RGB.png\" 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_PrimaryLogoONLY_Vertical_RGB.png 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_PrimaryLogoONLY_Vertical_RGB.png 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: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect\/travel_insurance_companies\/14?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance\"\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: Etiqa - Image\" data-eventlabel=\"Etiqa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect\/travel_insurance_companies\/14?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance\"\u003E\u003Cimg alt=\"Etiqa\" 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_PrimaryLogoONLY_Vertical_RGB.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/Tiq_PrimaryLogoONLY_Vertical_RGB.png\" 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_PrimaryLogoONLY_Vertical_RGB.png 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_PrimaryLogoONLY_Vertical_RGB.png 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: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect\/travel_insurance_companies\/14?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.policypal.com%252Ftravel-insurance\"\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:
Etiqa: 45% off single-trip and 30% off annual-trip travel insurance; add'tl 10% off on Fridays

Premiums & Benefits

Insurer	Premiums
Value Ratio: 0.93 Accident & Death: S$300,000 Medical: S$500,000 Trip Delays:S$500 Cancellation: S$10,000 Baggage Loss/Damage: S$5,000	ASEAN: S$277.31 Asia: S$211.20 Global: S$277.31
Value Ratio: 0.79 Accident & Death: S$300,000 Medical: S$500,000 Trip Delays: S$500 Cancellation: S$10,000 Baggage Loss/Damage: S$3,000	ASEAN: S$217.91 Asia: S$266.42 Global: S$368.06
Value Ratio: 1.42 Accident & Death: S$300,000 Medical: S$210,000 Trip Delay: S$1,000 Trip Cancellation: S$10,000 Baggage Loss/Damage: S$3,000	ASEAN: S$149.00 Asia: S$149.00 Global: S$209.00
Value Ratio: 1.54 Accident & Death: S$100,000 Medical: S$2,000,000 Trip Delays: S$1,000 Cancellation: S$15,000 Baggage Loss/Damage: S$5,000	ASEAN: S$326.00 Asia: S$281.00 Global: S$346.00
Value Ratio: 1.80 Accident & Death: S$200,000 Medical: S$550,000 Trip Delays: S$1,600 Cancellation: S$10,000 Baggage Loss/Damage: S$5,000	ASEAN: S$231.00 Asia: S$231.00 Global: S$390.00

If you're planning to pursue high-octane activities like sky-diving or snowboarding while abroad, FWD, Etiqa, , Direct Asia and DBS are our picks for insurers with the best sports coverage. Additionally, you can also consider Aviva is great choice for sports equipment coverage as you can cover your own or rented winter or water sports equipment for an additional S$5-7.

Annual Travel Insurance for Golf


Our Picks	Get a Quote Get a Quote	Get a Quote Get a Quote	Get a Quote Get a Quote
Our Picks	Business	Plus	Elite	Standard
Premiums^	S$277.31	S$326.00	S$248.00	S$204.00
Medical	S$500,000	S$500,000	S$2,000,000	S$500,000
Baggage Loss	S$5,000	S$5,000	S$5,000	S$3,000
Own Equipment	S$2,000	S$2,000	S$1,000	S$3,000
Rentals	N/A	S$500	N/A	N/A
Unused Fee	N/A	S$500	S$500	S$750
Hole-in-1	N/A	S$1,000	S$500	S$300
^Annual ASEAN plans

FWD:

If you frequently travel on golfing trips, you can consider annual plans that offer generous golf benefits. If you're planning to golf, want to make sure that your golf equipment is covered by your travel insurance plan, and wouldn't mind a few perks thrown in such as a credit for an unused green fee or rewards for getting a hole in one, FWD, Aviva, MSIG, American Express and AIG are all examples of insurers that have designed their travel insurance plans with golfers in mind.

If you want basic coverage for just your golfing equipment, FWD offers up to S$2,000 of sports equipment coverage and will cover you up to S$100/day for rentals. Since it doesn't have fully-fledged golf coverage, its low price and benefits makes it a better choice for travellers interested in trying golfing, rather than experienced golfers.

If you're a serious golfer looking for plans with abundant golf-related benefits, plans like Aviva, MSIG and American Express have very comprehensive coverage, which includes equipment (hired and owned), unused green fees and hole in one coverage.

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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:

Premiums & Benefits

Insurer	Premiums
Medical: S$500,000 Baggage Loss/Damage: S$5,000 Owned Equipment: S$2,000 Rented Equipment: S$100/day Unused Green Fee: N/A Hole-in-1: N/A	ASEAN: S$277.31 Asia: S$211.20 Global: 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	ASEAN: S$326.00 Asia: S$281.00 Global: S$346.00
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	ASEAN: S$248.00 Asia: S$280.00 Global: S$388.00
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	ASEAN: S$204.00 Asia: S$236.00 Global: S$236.00

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.

For travellers, please note that insurers who do provide coverage for COVID-19 (like Income) will not cover COVID-19 claims of you travel to nations designated as high-risk by the World Health Organisation. Currently these nations are: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Belize, Bermuda, Bosnia and Herzegovina, Botswana, Brazil, Bulgaria, Cabo Verde, Canada, Colombia, Costa Rica, Croatia, Curaçao, Cyprus, Czech Republic, Denmark, Estonia, France, French Guiana, French Polynesia, Georgia, Germany, Hungary, Italy, Jersey, Jordan, Kosovo, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Malta, Mayotte, Montenegro, Netherlands, North Macedonia, Occupied Palestinian Territory, Panama, Poland, Portugal, Puerto Rico, Republic of Moldova, Romania, Russian Federation, Saint Barthélemy, Saint Martin, San Marino, Serbia, Sint Eustatius, Sint Maarten, Slovakia, Slovenia, Sweden, Switzerland, The United Kingdom, Turkey, Ukraine, United States of America, United States Virgin Islands.

Methodology

To arrive at a list of best annual travel insurance products in Singapore, we collected data on hundreds of insurance product offerings by more than 20 insurers in the country. The data we collected regarding benefits and coverage range from personal accident/death, medical, emergency repatriation, trip cancellation, lost or damaged baggage, trip/baggage delays to sports coverage. We also collected pricing information for each product by destination country and compared each plan to its competitors to arrive at our judgments of the plans that offer the best deal for Singapore consumers. For the full list of insurers we used, please see the table below.

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

In order to arrive at our picks for the top travel insurance plans in Singapore, we examined multiple factors. First, we considered the amount of money one is entitled to receive from the insurer when certain events or accidents occur (i.e. medical and inconvenience). Then, we create a ratio of benefits to cost of insurance to measure how good of a value each product offers. This measure is a proxy for how much an insured person can get for what he pays.

We weighed each benefit area in terms of frequency of claims: travel inconvenience is given a weighting of 60% while personal accident and medical benefit is given a weighting of 40%. According to some studies, about 20% of all flights globally are either canceled or delayed, and this statistic could be significantly higher for tropical regions. As a result, we felt the plans that had high coverage amounts for common occurrences like flight delays were of greater value compared to plans with high coverage for less likely occurrences like repatriation or death. Thus, our value ratio helped to figure out which plans offer the best value to customers based not only on coverage and cost, but also on the likelihood of use.

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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