Whether you’re planning to jet off on any of the Vaccinated Travel Frameworks (VTF) for work or pleasure — here are some COVID-19 travel insurance plans to keep you protected this endemic season.
What makes a good travel insurance plan? Perhaps in the past, you would have wanted protection against the likelihood of trip cancellations due to unforeseen weather changes, airline-related delays, and even stolen luggage. However, as we approach the end of 2021, in order to travel, our ideal travel insurances should and must be able to cover us for COVID-19-related casualties. Thus, we scoured the net for the best COVID-19 travel insurance and measured each plan based on quarantine allowance, overseas hospital income, and more. This is to ensure that in the off chance the virus affects a future trip of yours — you’ll be able to get away with minimal loss.
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💜 VTL Checklist:
#1: Singapore Vaccinated Travel Lane Framework Updates: What You Need to Know
#2: Ultimate Guide to Singapore Vaccinated Travel Framework
#3: Best COVID-19 Travel Insurance: Policies For VTL Travel
Case Study: Germany
Since the VTL with Germany proved to be a successful way for travel to start up again in the pandemic age, I’ll be using Germany as my country of choice to measure the various COVID-19 travel insurance coverage — assuming 2 to 9 December as the date of travel. I’ll also be choosing the basic option of each plan so you get a gauge of the minimum amount you’ll be paying for insurance, amongst the other real costs of travelling via Vaccinated Travel Lanes.
Best COVID-19 Travel Insurance Policies 2022
Insurance Plans | Key COVID-19 Related Benefits | Cost |
AIG | ✅ Overseas Medical Expenses ✅ Emergency Medical Evacuation & Repatriation Due to COVID-19 ✅ Cancellation of Your Trip (Pre-departure) ✅ Alteration of Your Trip (Pre-departure) ✅ Early Return Home ✅ Out-of-Country COVID-19 Diagnosis Quarantine Allowance | S$73 |
AXA | ✅ Overseas Medical Expenses ✅ Post Trip Medical Expenses ✅ Overseas Hospitalisation Allowance ✅ Hospitalisation Allowance in Singapore ✅ Quarantine Allowance for Infectious Disease (Outside of Singapore) ✅ Quarantine Allowance for Infectious Disease (in Singapore) ✅ Child Care Benefit ✅ Hospital Visit Benefit ✅ Emergency Personal Mobile Phone Charges | S$75.50 |
Sompo | ✅ Trip Cancellation Due to COVID-19 ✅ Trip Postponement Due to COVID-19 ✅ Trip Curtailment Due to COVID-19 ✅ Trip Disruption Due to COVID-19 ✅ Medical Expenses Incurred Overseas ✅ Medical Expenses Incurred Upon Returning to Singapore ✅ Emergency Medical Evacuation & Repatriation Due to COVID-19 ✅ Double Hospitalisation Allowance Whilst overseas In ICU Arising from An Accident ✅ Overseas Hospitalisation Allowance ✅ Hospital Allowance For Hospitalisation In Singapore ✅ Quarantine Allowance Due To 16 Infectious Diseases Upon Return To Singapore | S$81 |
Income | ✅ Medical Expenses Overseas Due to COVID-19 ✅ Cancelling Your Trip ✅ Emergency Medical Evacuation Due to COVID-19 ✅ Sending You Home Due to COVID-19 | S$101 |
FWD | ✅ Cancelling Up to 30 days Before Due to COVID-19 ✅ Medical expenses if you’re hospitalised due to COVID-19 while overseas or after returning to Singapore ✅ Allowance if You’re Hospitalised Overseas After Being Diagnosed with COVID-19 ✅ Additional Transport Expenses if Your trip is Disrupted Because You’re Diagnosed with COVID-19 ✅ Emergency Evacuation & Repatriation Back to Singapore if Required ✅ Allowance if You’re Hospitalised Locally After Being Diagnosed with COVID-19 | $72.90 |
STARR | ✅ Medical Expenses (Includes COVID-19 Overseas Medical Expenses) ✅ Starr Global Emergency Assistance Services | S$34.80 |
1. AIG: Travel Guard Direct
While their overseas medical expenses claim of S$50,000 pales in comparison to the other plans, AIG provides pre-departure cancellation or trip-alteration coverage as well as the option to return home early due to COVID-19. In addition, the coverage also ensures that you will be taken care of, should you be made to quarantine overseas due to the pandemic.
Buy your COVID-19 travel insurance here.
2. AXA: SmartTraveller Travel Insurance
Other than an overseas medical expenses claim of up to S$300,000, as well as an overseas hospitalisation allowance of up to S$20,000, AXA also leaves room for a quarantine allowance for infectious disease both inside and outside of Singapore as well as an emergency personal mobile phone charges to claim of up to S$150.
Buy your COVID-19 travel insurance here.
3. Sompo: COVID-19 Insurance
Do note that this travel insurance differs from TravelJoy. Travel (COVID-19) Insurance covers both the common travel insurance benefits but with the added protection against other essential coverage when it comes to COVID-19. However, the company asserts that they will not provide coverage that contradicts any travel advisory issued by the Singapore Government as indicated in the Ministry of Health’s website.
Buy your COVID-19 travel insurance here.
4. Income: COVID-19 Travel Insurance
No frills and quite direct, Income provides protection against COVID-19 in the forms of claims for medical expenses overseas of up to US$100,000, as well as emergency medical evacuation of up to US$100,000, as well as the costs of sending you home in the case of COVID-19. Just be sure to check WHO’s list of high-risk countries because COVID-19 coverage will not be extended to those places.
Buy your COVID-19 travel insurance here.
5. FWD: Travel Insurance + COVID-19 Rider
Apart from the basic travel insurance plan, you’ll get the option to add a COVID-19 coverage which includes claims of up to S$1,000 for any non-refundable costs incurred if you have to cancel your trip after being diagnosed with COVID-19, up to S$1,000 for additional transport expenses as well as S$200 a day for up to 14 days if you’re hospitalised locally after being diagnosed with COVID-19.
Buy your COVID-19 travel insurance here.
6. Starr Insurance: TraveLead Travel Insurance With COVID-19 Coverage
The no-frills option of the lot, Starr Insurance allows you to claim up to SG$1,000,000 for medical expenses, including in and outpatient treatments. There is also no sub-limit or restriction on outpatient expenses and the number of visits. To make it extra convenient for clients, all their claims can be done seamlessly (and cashless) through PayNow.
Buy your COVID-19 travel insurance here.
Travel Safe, Travel Smart

Now that you have a better idea of what’s on the market when it comes to VTL COVID-19 travel insurance, don’t forget to check out with your YouTrip card to take advantage of our wholesale exchange rates for all your purchases!
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Remember to read the t&cs before committing to a certain travel insurance plan — and don’t be afraid to upsize the plan if you desire greater coverage. As we wait for borders to reopen, do your part to keep everyone around you, as well as yourself, safe in the midst of this pandemic by practising good hygiene and safe distancing!
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