Compare Travel Insurance in Singapore

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29 live offers compared from 14 providers, from S$14 /month. Updated daily.

Singapore travel insurance: October 2026 at a glance

Giraffy compares travel insurance from 14 insurers in Singapore. The lowest listed single-trip prices are FWD from S$13, Singlife from S$15, NTUC Income from S$17 and Tokio Marine from S$18. Nearly every plan is sold as single-trip or annual cover; Direct Asia and Budget Direct list single-trip plans only.

Plans differ most on overseas medical cover: FWD lists up to S$1.5 million, NTUC Income, Tokio Marine, AIA, Great Eastern and Direct Asia up to S$1 million, and Singlife, Prudential, Manulife, Sompo, Chubb, Zurich and Budget Direct up to S$500,000, with Etiqa at S$300,000. NTUC Income Travel Plus includes COVID-19 cover, Manulife ReadyTravel has a sports cover option and Great Eastern adds a hospital income benefit. Compare the medical limit and cancellation cover before price. Also compare health insurance and life insurance.

What is travel insurance in Singapore?

Travel insurance is a short-term policy that reimburses Singapore travellers for losses tied to an overseas trip, from medical emergencies and hospitalisation abroad to trip cancellation, flight delays, lost baggage and personal liability. With Changi Airport serving as one of the region's busiest hubs and Singaporeans among Asia's most frequent flyers, it is one of the most widely bought general insurance products in the market. Policies are sold as single-trip cover for one journey or as annual multi-trip plans for people who travel several times a year.

How the Singapore market works

Cover is offered by both dedicated general insurers and the general arms of life insurers. Plans are typically tiered, often branded Bronze, Silver, Gold or Basic, Elite and Premier, with higher tiers raising the medical, cancellation and baggage limits. Most insurers let you buy instantly online, and coverage can usually be purchased up to the day before departure. COVID-19 add-ons, adventure-sport riders and rental-vehicle excess cover are common optional extensions. Distribution runs through insurer websites, banks, aggregators and travel agents.

Benefits

Overseas medical cover — The core benefit; reimburses hospital and treatment costs abroad, which can run into tens of thousands of dollars in countries such as the United States and Japan.

Emergency evacuation — Pays for medically necessary evacuation and repatriation back to Singapore, often the single most expensive claim.

Trip disruption — Covers cancellation, curtailment and postponement for insured reasons, plus fixed payouts for long flight delays.

Baggage and personal items — Compensation for lost, stolen or damaged luggage, and delayed-baggage cash allowances.

How to choose

Match the plan to your destination and activities. Prioritise a high overseas-medical limit and unlimited or high evacuation cover, especially for long-haul trips. Check sub-limits for gadgets, cash and single-item claims, and confirm whether pre-existing conditions, pregnancy, or adventure activities such as scuba diving and skiing are included. Frequent travellers usually save with an annual multi-trip plan, while families should compare per-person versus family caps. Always read the exclusions before buying.

Leading providers in Singapore

Active insurers include FWD Singapore, Singlife, Income (NTUC Income), Tokio Marine, Etiqa, Direct Asia, AIA Singapore and Prudential Singapore. Digital-first insurers such as FWD and Direct Asia compete on price and instant online purchase, while established names bundle travel cover with wider protection portfolios. Coverage limits, claim experience and adventure-sport handling vary, so compare on the benefits that matter to your trip rather than headline price alone.

What it costs

Premiums are modest relative to the cover provided. A basic single-trip regional plan can start from around S$14 to S$30, while comprehensive worldwide cover, longer trips and higher tiers rise toward S$100 or more, and annual multi-trip plans can reach S$300 to S$400. Price is driven by destination, trip length, traveller age, the number of travellers and add-ons. Prices shown on comparison pages are indicative and change with promotions.

Protections and regulation

Travel insurers are licensed and supervised by the Monetary Authority of Singapore (MAS) under the Insurance Act. Policies must follow MAS conduct rules on disclosure and claims handling, and disputes that cannot be resolved with the insurer can be referred to the Financial Industry Disputes Resolution Centre (FIDReC). General insurance policyholders also benefit from the Policy Owners' Protection Scheme, administered by the Singapore Deposit Insurance Corporation (SDIC), which offers a measure of protection if a licensed insurer fails.

Common questions

When should I buy? — Ideally at the time you book, so trip-cancellation cover applies from the outset; you can usually still buy up to the day before you leave.

Are pre-existing conditions covered? — Standard plans typically exclude them, though some insurers offer specific pre-existing-condition plans at higher premiums.

Does it replace personal health insurance? — No; it covers emergencies during a trip, not ongoing care, and complements your MediShield Life and any Integrated Shield Plan back home.

Travel Insurance in Singapore — FAQ