Travel premiums, coverage, and all the fine print don’t have to be confusing! We’ve got you covered with our top picks for the best travel insurance to get on your trip this year.
Whether you’re headed to Malaysia for a quick weekend getaway or backpacking across Europe, travel insurance is a must. Delayed flights, lost baggage, or unexpected medical emergencies can easily turn a dream vacation into a nightmare. Read this ‘Best Travel Insurance Singapore 2025’ guide to stay informed and find the perfect travel insurance Singapore promotion to save more!
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Do I Really Need Travel Insurance?
While not compulsory for most destinations, some countries (e.g., Schengen zones, UAE, Fiji) require proof of insurance for entry. Even if optional, travel insurance protects against:
✅ Medical emergencies (hospital bills, evacuation)
✅ Trip cancellations (flights, hotels)
✅ Lost/delayed baggage
✅ Flight delays (compensation for long waits)
✅ COVID-19 coverage (varies by insurer)
Pro Tip: Even short trips to Malaysia can lead to unexpected costs — better safe than sorry!
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What to Look for in Travel Insurance (2025 guide)
Image Credits: Unsplash
As tempted as you may be to get the cheapest plan, there are other crucial factors you should consider when choosing the best travel insurance in Singapore:
| Key Factor | Why It Matters |
|---|---|
| Medical Coverage | At least S$200,000 for serious emergencies; ideally higher for destinations with high healthcare costs (e.g., USA, Europe). Look for comprehensive coverage including hospital stays, outpatient treatment, and emergency medical evacuation. |
| Trip Cancellation | Covers non-refundable bookings (flights, hotels, tours) if your trip is unexpectedly cancelled due to unforeseen circumstances like illness or natural disasters. |
| COVID-19 Protection | Essential for current travel. Ensure the policy covers medical treatment, quarantine costs, and trip interruptions related to COVID-19. |
| Adventure Sports | If you plan on engaging in activities like skiing, scuba diving, bungee jumping, or hiking, ensure these are covered. Many standard policies exclude them by default. |
| 24/7 Assistance | A global helpline for emergencies is critical for immediate support, no matter where you are in the world. |
| Baggage & Personal Belongings | Covers loss, theft, or damage to your luggage and personal items. Look for good limits on valuables. |
| Personal Liability | Protects you financially if you accidentally cause injury to someone or damage their property while abroad. |
Avoid the cheapest plans — focus on coverage limits and exclusions!
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Best Travel Insurance Singapore (2025 Comparison)
Here’s a detailed comparison of top providers for the best travel insurance in Singapore, including FWD Travel Insurance, NTUC Income Travel Insurance, AIG Travel Guard Insurance, Allianz Travel Insurance, MSIG Travel Insurance, Singlife Travel Insurance, Etiqa Travel Insurance Singapore, and HLAS Travel Insurance to help you find the perfect fit.
| Insurance Company | Best For | Medical Coverage | Trip Cancellation | Covid-19 Coverage | Adventure Sports Coverage | Key Features |
|---|---|---|---|---|---|---|
| FWD Travel Insurance | Budget travellers, digital nomads | Up to $1,000,000 | Up to $7,500 | ✅ (optional add-on) | ✅ (optional add-on) | Affordable premiums, fully digital claims via app, 24/7 emergency hotline. |
| NTUC Income Travel Insurance | Families, older travellers, cruise enthusiasts | Up to $500,000 | Up to $15,000 | ✅ | ✅ (selected activities included) | Kids covered free, high cancellation coverage, specific add-ons for cruise and golf. |
| AIG Travel Guard | Frequent flyers, high-value trips, USA/Europe travel | Up to $2,500,000 | Up to $15,000 | ✅ | ✅ (with limits) | Highest medical limits, covers some pre-existing conditions (with disclosure), business travel perks (lost laptop). |
| Allianz Travel Insurance | Business & luxury travellers, fast claims | Up to $1,000,000 | Up to $15,000 | ✅ | ❌ (excluded by default) | Known for fast-track claims (<48hrs), strong global coverage, annual plans for frequent travellers. |
| MSIG TravelEasy | Adventure-seekers, backpackers | Up to $1,000,000 | Up to $15,000 | ✅ | ✅ | Automatic coverage for a wide range of adventure sports (diving, hiking), trip disruption coverage for extreme weather. |
| Singlife Travel Insurance | Digital convenience, customizable plans | Up to S$1,000,000 | Up to S$10,000 | ✅ (optional add-on) | ✅ (optional add-on) | User-friendly online platform, flexible add-ons to tailor coverage, good for tech-savvy individuals. |
| Etiqa Travel Insurance Singapore | Value for money, comprehensive coverage | Up to S$1,000,000 | Up to S$10,000 | ✅ | ✅ (optional add-on) | Competitive pricing for extensive benefits, straightforward policies, often featured in travel insurance promotion offers. |
| HLAS via YouTrip | Budget-conscious YouTrip users | Up to $250,000 | Up to $7,000 | ✅ (on Enhanced or Superior tiers) | ✅ (optional add-on) | Exclusive travel insurance promotion for YouTrip users, instant purchase via app, and competitive pricing. |
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TL;DR of Singapore’s Best Travel Insurance Options:
- FWD Travel Insurance – Cheapest option with solid coverage, great for budget-conscious travellers.
- NTUC Income Travel Insurance – Best for families (kids covered free) and those seeking comprehensive benefits for specific activities like cruises.
- AIG Travel Guard – Highest medical limits (up to S$2.5M), ideal for long-haul trips or destinations with high healthcare costs.
- Allianz Travel Insurance – Fast claims processing, excellent for business trips and frequent travellers who value efficiency.
- MSIG TravelEasy – Best for adventure activities (coverage included by default for sports like hiking, snorkelling) – no hidden add-on fees.
- Singlife Travel Insurance – Offers digital convenience and customizable plans.
- Etiqa Travel Insurance Singapore – Good value for money with broad coverage.
- HLAS via YouTrip – Exclusive discounts for YouTrip users, making it one of the most affordable options for budget travellers.
💡 Pro Tip: Buy via the YouTrip app for instant policies & extra savings!
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In-Depth Look at Top Travel Insurance Providers in Singapore:
1. FWD Travel Insurance
Best for: Budget travellers and those seeking a seamless digital experience.
Image credits: 365 Credit Solutions
FWD travel insurance offers affordable plans with generous coverage for medical expenses and cancellations. Their 24/7 emergency hotline and simple claims process through their mobile application make them a favourite among digital nomads and short-term travellers.
Key Features:
- From S$20 for ASEAN coverage (7-day trip)
- Up to S$1M medical emergency coverage
- Optional add-ons: COVID-19, adventure sports
- Claims: Fully digital via FWD app
- Website: FWD Travel Insurance
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2. NTUC Income Travel
Best for: Families and older travellers
Image credits: Income Insurance
With high cancellation coverage, NTUC travel insurance stands out for family plans, especially with children or elderly parents. Add-ons like cruise coverage and golf equipment coverage are great perks for specific travel needs.
Key Features:
- Kids are covered free (up to 2 children per policy)
- High trip cancellation (up to S$15,000)
- Cruise/golf coverage included
- 24/7 family-friendly assistance
- Website: NTUC Income Travel
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3. AIG Travel Guard
Best for: Frequent flyers & those visiting countries with high healthcare costs (e.g., USA, Japan).
Image credits: MoneySmart
AIG provides very high medical limits (up to $2.5m) and is trusted by many business travellers. Coverage includes trip delays, baggage and COVID-related medical costs.
Key Features:
- Highest medical limit (S$2.5M for USA/Europe)
- Covers pre-existing conditions (with disclosure)
- Business travel perks: Lost laptop coverage
- Website: AIG Travel Guard
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4. Allianz Travel Insurance
Best for: Business travellers and those who value quick claims processing.
Image credits: TravelMole
Allianz is known for fast claims, high-value plans, and flexibility (single-trip or annual multi-trip). Their customer service is top-notch and suitable for travellers who want strong global coverage.
Key Features:
- Annual plans save frequent travellers 30%
- Fast-track claims (<48hrs processing)
- Luxury trip protection (e.g., missed connections)
- Website: Allianz Travel Insurance
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5. MSIG TravelEasy
Best for: Adventure seekers
Image credits: MoneySmart
MSIG Travel Insurance (specifically MSIG TravelEasy) is the adventure traveller’s top pick, with automatic coverage for sports like diving and hiking — no add-ons needed. It includes S$1M medical protection, COVID-19 coverage, and 24/7 support, ideal for thrill-seekers heading to Bali, NZ, or beyond.
Key Features:
- Automatic adventure sports coverage (diving, hiking)
- No add-on fees for risky activities
- Trip disruption coverage for extreme weather
- Website: MSIG TravelEasy
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6. Singlife Travel Insurance
Best for: Tech-savvy individuals looking for an intuitive online experience and customizable plans.
Image credits: MoneySmart
Singlife travel insurance provides a user-friendly platform to purchase and manage your policy. They offer comprehensive coverage with flexible add-ons, allowing you to tailor the plan to your specific travel needs.
Key Features:
- Easy online application and management
- Customizable plans with various add-ons
- Competitive premiums for good coverage
- Good customer service support
- Website: Singlife Travel Insurance
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7. Etiqa Travel Insurance Singapore
Best for: Travellers seeking a good balance of comprehensive coverage and competitive pricing.
Image credits: CTC Travel
Etiqa travel insurance Singapore is known for its value-for-money policies that don’t compromise on essential benefits. They frequently offer attractive travel insurance promotion deals, making them a popular choice for cost-conscious yet thorough travellers.
Key Features:
- Attractive promotions and discounts
- Comprehensive coverage for medical, trip, and baggage issues
- Straightforward policy terms
- Good for both single trips and annual plans
- Website: Etiqa Travel Insurance
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8. YouTrip Exclusive: HLAS x YouTrip Travel Insurance
Best for: Budget travellers & YouTrip users
Hong Leong Assurance (HLAS) offers exclusive travel insurance directly through the YouTrip App. It includes up to S$250,000 in overseas medical expenses and S$7,000 in trip cancellation, with optional add-ons like adventure sports coverage and enhanced medical benefits for COVID-19. Find out more here.
Key Features:
- Exclusive discounts of up to 65% off:
✅ 40% off when you buy a HLAS COVIDSafe Travel Protect360 Enhanced Plan
✅ 15% cashback when you check out with a YouTrip card
✅ 10% off when you bought an HLAS plan in the past but didn’t make any claims - Instant purchase and policy access via the YouTrip app
- 24/7 claims support & emergency hotline
- Flexible add-ons: COVID-19 coverage and sports protection
How to buy insurance on YouTrip in < 1 Minute:
- Open the YouTrip app > tap the ‘Insurance’ tab
- Select your region + departure & arrival dates > ‘Get Quote’
- Review coverage and cashback perks > ‘Continue’
- Pay directly in-app > Policy emailed instantly!
Best Travel Insurance Singapore 2025: Find out more about HLAS x YouTrip Travel Insurance here
Travel Insurance Singapore FAQs:
Q: What is the best company to get travel insurance from?
A: That depends on what suits your needs best:
- Budget: FWD travel insurance or HLAS via YouTrip
- Families: NTUC travel insurance
- Frequent travel: AIG or Allianz
- Adventure: MSIG travel insurance
- Digital convenience: Singlife travel insurance
- Value for money: Etiqa travel insurance Singapore
- Frequent travel insurance promotions: HLAS via YouTrip or Etiqa travel insurance
Q: How much does travel insurance cost in Singapore?:
- ASEAN trips: S$15-S$40 for 7 days
- Worldwide (USA/Europe): S$50-S$150 for 7 days
Costs can vary significantly based on coverage level, duration, destination, and any ongoing travel insurance promotion.
Q: Where to buy travel insurance in Singapore?
- Direct from insurer websites (e.g., FWD, NTUC, AIG, Singlife, Etiqa)
- The YouTrip app (HLAS policies with instant issuance)
- Aggregators like MoneySmart or compareFIRST (to compare different policies and find a travel insurance promotion).
Q: What’s the cheapest travel insurance?
A: HLAS via YouTrip (from S$18) and FWD (from S$20) offer the lowest premiums
Q: Can I buy travel insurance after booking flights?
A: Yes! You can purchase up to 48 hours before departure, but the earlier, the better (covers pre-trip cancellations).
Q: How much is AIA travel insurance?
A: AIA plans start at S$25 for ASEAN trips and S$60+ for worldwide coverage, depending on the plan tier and duration. Look out for an AIA travel insurance promotion for potential savings.
Q: What’s the best day to buy travel insurance?
A: Immediately after booking your flights or hotels — this ensures coverage for cancellations and other pre-trip benefits.
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Worry-free travels at your fingertips!
Whether you’re a spontaneous traveller or a meticulous planner, travel insurance is essential in 2025. We’re all about maximising savings as you spend, so be sure to check out HLAS x YouTrip Travel Insurance and enjoy savings of up to 65% on your purchase.
Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
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