Whether you’re planning to jet off once borders reopen to visit your loved ones, for work, or just for leisure — here are some travel insurance plans to keep you protected this COVID-19 season.
What makes a good travel insurance plan? Perhaps in the past, you wanted protection against the likelihood of trip cancellations, interruptions, delays, medical emergencies and even stolen luggage. But what about COVID-19-related casualties? We scoured the net for the best COVID-19 travel insurance and measured each plan based on quarantine allowance, overseas hospital income and more so that in the off chance that the virus affects a future trip — you’ll be able to get away with minimal loss.
Disclaimer: Despite the recent increase in community cases in Singapore, there has been a success in our region that sparked talks of travel bubbles and corridors. However, we acknowledge that the pandemic is still running rampant in many countries — with more variants adding to the noise every day. Thus, we recommend avoiding travel to countries that are considered high risk by the World Health Organisation, as well as following all the pre-and-post-travel guidelines implemented by the government
Guides to Resuming International Travel:
#1: Which Country Can I Travel to Now?
#2: Which Airlines Are Resuming Flights?
#3: Future of Air Travel After COVID-19
#4: When Can We Travel Again: 2023 Forecast
#5: Immunity Passports to Resume Travel
#6: Can Singaporeans Travel to Brunei & New Zealand?
#7: How Airlines Are Wooing You Back Onboard
#8: Post-COVID-19 Travel Habits
#9: How Tech & AI Are Helping to Reignite Tourism
#10: Singapore-Hong Kong Travel Bubble Guide
#11: Everything You Need To Know About Singapore’s COVID-19 Vaccinations
#12: Travel Corridor vs Travel Bubble: Everything To Know About Flying
#13: COVID-19 Variants: Everything You Need to Know About B117, B1351, B1617, B11281, B11282, B11283 and B1525
#14: SG-HK Travel Bubble: The Real Cost of Travelling to Hong Kong
#15: COVID-19 Travel Insurance: Best Coronavirus Policies In 2021
Case Study: Hong Kong
Since Hong Kong might be the first country with whom we’ll be sharing an Air Travel Bubble with (fingers crossed), I’ll be using that as a case study with which I’ll test the insurance coverage — with the dates covered being 26 May till 2 June. I’ll 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 during the pandemic.
Best COVID-19 Travel Insurance Policies 2021
|Insurance Plans||Key COVID-19 Related Benefits||Cost|
|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
|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 overseas due to COVID-19
✅ Emergency medical evacuation and repatriation due to COVID-19
✅ Overseas quarantine allowance due to COVID-19
✅ Overseas hospital income due to COVID-19
|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
|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 and repatriation back to Singapore if required
✅ Allowance if you’re hospitalised locally after being diagnosed with COVID-19
|STARR||✅ Medical Expenses (Includes COVID-19 Overseas Medical Expenses)|
✅ Starr Global Emergency Assistance Services
1. 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 it here.
2. 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 it here.
3. 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 it here.
4. FWD: Travel Insurance + COVID-19 Coverage
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 it here.
5. Starr Insurance: TraveLead Travel Insurance With COVID-19 Coverage
With Starr Insurance, you’ll be able 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 number of visits. To make it extra convenient for clients, all their claims can be done seamlessly (and cashless) through PayNow.
Buy it here.
Travel Safe, Travel Smart
Now that you’ve a better idea of what’s on the market when it comes to pandemic-related travel protection, don’t forget to check out with your YouTrip card to take advantage of our wholesale exchange rates for all your purchases!
If you don’t have a YouTrip card yet, use <BLOG5> during your sign-up to enjoy a free S$5 in your account!
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!