travel insurance covid-19 singapore

Best Travel Insurance in Singapore with Covid-19 Coverage

Travelling during a pandemic can be stressful. Get yourself appropriately covered with the best travel insurance plans before your trip.

by Tan Jia Hui

As Vaccinated Travel Lanes (VTLs) open up, many Singaporeans are excitedly making holiday plans after close to two years. However, with all the uncertainty regarding outbreaks and government regulations, you may be facing turmoil on whether to book your flight and accommodations, especially if they are non-refundable.

The good news is, travel insurance policies now cover Covid-19-related disruptions. Many also provide compensation if you or your loved ones are diagnosed with Covid-19 before, during, or after the trip, so you can have peace of mind as you book your next vacation.

How to choose the best travel insurance with Covid-19 coverage

With the myriad of options available, how do you choose the best travel insurance with Covid-19 coverage? 

Here are 5 key factors you should look out for to help you make an informed decision:

1. Price range

Depending on your destination country, travel duration, and a number of other factors, insurance premiums can range from tens of dollars to several hundreds. It is always best to find a balance between the cost of premium and the coverage you need.

2. Coverage

A typical travel insurance covers the following:

  • Overseas medical expenses, including treatment, evacuation and repatriation
  • Death and total and permanent disability (TPD)
  • Missing or lost baggage
  • Flight delays and cancellations
  • Trip cancellation

Pay extra attention to the coverage for overseas medical expenses. Most domestic insurance do not cover overseas expenses, which can easily cost upwards of thousands of dollars in the unfortunate event of a medical emergency. The cost of medical expenses may also vary greatly depending on your destination, so be sure to take that into consideration.

Depending on your itinerary and purpose of travel, you may choose to add extra coverage. For example, if you are an adrenaline junkie, consider getting a plan with adventure and sports coverage.

In the current pandemic situation, it is highly recommended to ensure your plan includes Covid-19 coverage. Covid-19 coverage typically includes the following benefits if you or your family members are diagnosed with Covid-19, or if you are affected by a related disruption:

  • Medical expenses
  • Hospitalisation allowance
  • Quarantine allowance
  • Trip cancellation
  • Trip postponement
  • Trip disruption
  • Trip curtailment
  • Emergency evacuation and repatriation

3. Reliability of provider

Misinformation and fraud is rampant these days, and making sure your insurance provider is reliable is key to avoid being scammed. There are a few steps you can take to ensure the reliability of your insurance provider, such as checking that the agent is authorised by the Monetary Authority of Singapore (MAS), requesting for a receipt, and ensuring the details on the policy document is accurate. 

The safest option is to go with a reputable insurance provider that has a great track record so that you can have peace of mind and be confident that your insurance provider has your back should you face any issues overseas.

4. Ease of claims 

Often, you may discover travel insurance plans with similar coverage but vastly different costs. While it is tempting to go with the more affordable option, make sure to check the fine print and reviews first. It could be that the company has a tedious and lengthy claim process or highly restrictive rules in the fine print that results in many claims being denied. These days, some insurers also provide a paperless claim process for a more seamless and fuss-free experience.

5. Additional features

Depending on the insurance plan and provider, there may be value-added services and features that you may find useful. For example, some insurance providers provide a 24/7 global medical assistance hotline to connect you with medical treatment and transportation while overseas. Others have an app where you can easily find your policy details, file and track claims, locate nearby medical facilities, police stations, or embassies, and even access medical translation functionalities.

If you find these additional features helpful, keep a look out for them when purchasing your travel insurance plan.

Supporting Your Family and Providing Care from Afar

Planning to take a holiday, but worried of leaving your elderly parents at home alone? Homage can help. 

Apart from being able to assist with activities of daily living (ADLs) like changing and cooking to nursing procedures, our Care Pros are also able to provide respite care to accompany your loved ones to their medical appointments or provide primary care in the interim. 

Book a Free Care Consultation with Homage Today

Top 8 travel insurance plans with Covid-19 coverage

Depending on the country you are visiting, you may have to meet the mandatory Covid-19 travel insurance requirements to enter. For example, Singapore requires all inbound short-term visitors to have travel insurance with a minimum coverage of $30,000 for Covid-19-related medical expenses.

Here are the estimated premium and Covid-19 coverage of different travel insurance policies for a 7-days trip to most destinations worldwide:

Travel Insurance ProviderEstimated PremiumCovid-19 Medical Expenses CoverageCovid-19 Overseas Hospitalisation AllowanceCovid-19 Overseas Quarantine AllowanceTrip Cancellation due to Covid-19Emergency Transportation/Repatriation
FWD$72.27$100,000$200/day, up to 14 daysN.A.$1,000$100,000
Chubbs$73.30$150,000$100/day, up to 14 days$100/day, up to 14 days$5,000$50,000
AIG$105$100,000N.A.$100/day, up to 14 days$2,500$100,000
AXA$95.37$75,000$100/day, capped at $1,000$50/day, capped at $350$1,000Unlimited
NTUC Income$137$150,000N.A.$100/day, capped at $14,000$2,000$150,000
Sompo$103$100,000$50/day, capped at $700$50/day, capped at $700$2,000$100,000

Do note that the numbers above are for the most basic plan offered by each travel insurance provider. Many of them also offer plans with higher coverage, but of course have higher premiums as well.

1. FWD First

FWD offers affordable travel insurance plans with Covid-19 coverage. At $72.27 for a week-long trip to most destinations including the USA, FWD First has one of the lowest premiums in this list, but its coverage is also limited to only the bare minimum.

Covid-19 travel insurance coverage:

  • Medical expenses: Up to $100,000 while overseas or after returning to Singapore
  • Hospitalisation allowance: $200 per day for up to 14 days, while overseas or within 14 days after returning to Singapore
  • Trip cancellation: Up to $1,000 for non-refundable costs, for up to 30 days before the trip
  • Trip disruption: Up to $1,000 for additional transport expenses
  • Emergency evacuation and repatriation: Up to S$100,000

The good thing about the FWD First travel insurance policy is that the medical expenses and hospitalisation allowance benefits are applicable for up to 14 days after your return, which not all plans offer.

2. Klook x Chubb Travel Insurance

Another affordable travel insurance plan with Covid-19 coverage is the Klook x Chubb Travel Insurance. At only $73.30 for a week-long trip to most destinations worldwide, its premium is comparable to FWD’s, but the Covid-19 coverage differs.

Covid-19 travel insurance coverage:

  • Medical expenses: Up to $150,000 while overseas
  • Hospitalisation allowance: $100 per day for up to 14 days while overseas
  • Quarantine allowance: $100 per day for up to 14 days while overseas
  • Trip cancellation: Up to $5,000
  • Trip curtailment: Up to $5,000
  • Repatriation: Up to S$50,000

While Chubb provides overseas quarantine allowance and a higher payout for medical expenses and trip cancellation or disruption, its hospitalisation allowance payout is lower compared to FWD. 

Importantly, do take note that the Covid-19 cover will cease immediately after your return to Singapore, and the plan covers a trip duration of up to 30 days only, with no extension available.

If you are on a tight budget and don’t mind the basic coverage, consider getting this plan. 

3. AIG Travel Guard

The most basic AIG travel insurance is the AIG Travel Guard Classic plan, which costs $105 for a week-long trip.

Covid-19 travel insurance coverage:

  • Medical expenses: Up to $100,000
  • Quarantine allowance: $100 per day for up to 14 days while overseas
  • Travel cancellation: Up to $2,500
  • Travel curtailment: Up to $2,500
  • Travel postponement: Up to $500
  • Emergency evacuation and repatriation: Up to S$100,000

While this plan offers decent coverage, it is missing a few elements, namely hospitalisation allowance and trip disruption due to government advisories. 

For better overall coverage, you have the option of upgrading to the Superior or Premier plan. However, do note that while these plans have higher compensation for the existing benefits, they do not provide additional benefits like hospitalisation allowance.

4. Allianz Travel Comprehensive Bronze

Rather than a Covid-19 coverage add-on, Allianz incorporates Covid-19 coverage into their existing travel insurance plans. This means that while its medical expense coverage is significantly higher than other plans, it doesn’t provide allowance for hospitalisation and quarantine due to Covid-19. 

You can get the Allianz Travel Comprehensive Bronze plan at $123 for a week-long journey to most destinations.

Covid-19 travel insurance coverage:

  • Medical expenses: Up to $1,000,000
  • Travel cancellation: Up to $15,000
  • Travel interruption: Up to $15,000
  • Travel delay: Up to $1,500 per 24-hour period of delay
  • Emergency transportation: Up to S$1,000,000

For those who are looking for better coverage, Allianz also provides two other travel insurance plans: Silver and Platinum.

At the time of writing (15 Jan 2022), Allianz is also offering 35% off travel insurances if you use the promo code “travelagain”. This means that you can get the Bronze plan at just $79.95, which makes it one of the most affordable plans in this list.

5. AXA SmartTraveller

From 1 December 2020, the AXA SmartTraveller plan includes Covid-19 coverage. AXA SmartTraveller Essential, the most basic plan, costs $95.37 for a week-long trip to most countries and includes the following Covid-19 travel insurance coverage:

  • Medical expenses: Up to $75,000
  • Hospitalisation allowance: $100 per day while overseas, capped at $1,000
  • Quarantine allowance: $50 per day while overseas, capped at $350
  • Trip cancellation: Up to $1,000
  • Trip postponement: Up to $500
  • Trip curtailment or rearrangement: Up to $2,000
  • Emergency transportation: Unlimited

While the Covid-19 medical expense coverage for the Essential plan is considered low compared to the other plans on this list, AXA covers medical costs incurred within 90 days of your trip, which is quite generous duration-wise. For a higher coverage, you may want to consider upgrading to the Comprehensive plan instead which covers up to $150,000 for Covid-19 treatment.

Another perk of the AXA SmartTraveller plan is their flexibility when it comes to claims for trip curtailment, which includes situations where a family member passes on due to Covid-19 or when there is a Covid-19 outbreak at the destination country.

From now till 28 Feb 2022, AXA is offering a 30% discount off their single trip plans, which allows you to get the Essential plan at just $66.76 after discount.

6. NTUC Income Classic

For a week-long trip to most destinations, the NTUC Income Classic plan costs $137 and includes the following Covid-19 travel insurance coverage:

  • Medical expenses: Up to $150,000 while overseas
  • Quarantine allowance: $100 per day while overseas, capped at $1,400
  • Trip cancellation: Up to $2,000
  • Trip postponement: Up to $2,000
  • Trip curtailment: Up to $2,000
  • Trip disruption: Up to $2,000
  • Emergency transportation: Up to $150,000

All NTUC Income travel insurance policies bought online now include Covid-19 coverage for the first 90 days of your trip. However, do take note of the exclusions, as they do not cover travel inconveniences caused by border closures and government advisories. 

With the partnership between NTUC Income and Raffles Medical, NTUC Income travel insurance policyholders can enjoy the added benefit of taking the Covid-19 pre-departure Polymerase Chain Reaction (PCR) swab test at only $124.20.

At the time of writing (15 Jan 2022), there is also an ongoing 40% promotion, which means the Classic plan will only cost $82.20. For better coverage, you have the option to choose NTUC Income’s Deluxe or Preferred travel insurance plans.

If you are looking for a travel insurance policy that covers pre-existing conditions, NTUC Income is also one of the few providers that offers it. Their Enhanced PreX Travel Insurance starts from $194 for a week-long trip.

7. Sompo Essential

Sompo Essential travel insurance plan costs $103 for a week-long trip to most countries worldwide, and includes the following Covid-19 travel insurance coverage:

  • Medical expenses: Up to $100,000 while overseas
  • Hospitalisation allowance: $50 per day while overseas, capped at $700
  • Quarantine allowance: $50 per day while overseas, capped at $700
  • Trip cancellation: Up to $2,000
  • Trip postponement: Up to $2,000
  • Trip curtailment: Up to $1,000
  • Trip disruption: Up to $1,000
  • Emergency evacuation and repatriation: Up to $100,000

In terms of breadth of coverage, the Sompo Essential plan has most of the Covid-19 benefits that other plans offer as well. Furthermore, the trip cancellation, postponement, and curtailment benefits apply not only when you contract Covid-19, but also when your travel companion(s) who are also insured by Sompo are infected. 

However, do note that Sompo only covers Covid-19-related medical expenses for a period of up to 45 days (or until the maximum limit is reached), starting from your first day of treatment. Any medical expense incurred after 45 days will not be covered.

If you would like a more comprehensive coverage, there is the option to upgrade to the Sompo Superior plan.

8. Singlife Travel Lite

Singlife offers three plans with different levels of coverage: Travel Lite, Travel Plus, and Travel Prestige. The Singlife Travel Lite plan is the most affordable of the three, at $71.25 for a week-long trip to most destinations worldwide.

Covid-19 travel insurance coverage:

  • Medical expenses: Up to $50,000 while overseas
  • Trip cancellation or postponement: Up to $500
  • Trip interruption: Up to $500
  • Emergency evacuation: Up to $250,000
  • Repatriation: Up to $30,000

While the Singlife Travel Lite plan—the most basic of the three—has quite a low coverage, the benefits of the other two plans are comparable to the rest on the list and include overseas quarantine allowance of up to $2,000.

While we have provided a brief summary of the pros and cons of various travel insurance plans, remember to also read the fine print before making a decision to make sure the plan is right for you.

What to do if you get Covid-19 during or after your trip?

If you are diagnosed with Covid-19 or are affected by a related disruption during your trip, call your insurance provider immediately as they will be most familiar with the plan you have purchased and will be able to advise you accordingly. There may be steps you need to take within a fixed time frame (e.g. obtain an official quarantine order or a doctor’s letter) for the insurer to approve your claims, so you should call them once you are aware of the diagnosis or disruption. Most insurers should have a hotline that operates 24/7.

You will also have to submit your claim with supporting documents within the deadline (usually 30 days), so make sure that you always keep all receipts in an accessible place so you can submit claims on-the-go and do not have to wait till you are back in Singapore to process the claim.

Have peace of mind for your next getaway

The Covid-19 coverage component in travel insurances is something that is new and unfamiliar to many of us, but we hope that this detailed guide helped you get a better idea of what to look out for your next travel insurance purchase! 

Just as insurance provides us with a peace of mind on our travels – if you have elderly parents who you are concerned about leaving at home alone while you are away – Homage is able to provide caregiving services for your loved ones in the interim. 

Our trained care professionals are able to provide companionship, nursing care, night caregiving, home therapy and more, to keep your loved ones active and engaged while you are away for your much needed holiday.

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About the Writer
Tan Jia Hui
Jia Hui is a content marketer who loves helping others and hopes to make this world a kinder place in any way she can. In her pockets of free time, you can find her snacking on ice cream and fries with her 80-year-young Grandma at home.
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