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.
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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 things you should consider.
| Key Factor | Why It Matters |
|---|---|
| Medical Coverage | At least $200,000 for serious emergencies |
| Trip Cancellation | Covers non-refundable bookings |
| COVID-19 Protection | Medical treatment & trip interruptions |
| Adventure Sports | Essential for skiing, scuba diving, etc. |
| 24/7 Assistance | Global helpline for emergencies |
Avoid the cheapest plans — focus on coverage limits and exclusions!
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Best Travel Insurance in Singapore (2025 Comparison)
| Insurance Company | Best For | Medical Coverage | Trip Cancellation | Covid-19 Coverage | Adventure Sports Coverage |
|---|---|---|---|---|---|
| FWD Travel Insurance | Budget travellers | Up to $1,000,000 | Up to $7,500 | ✅ (optional add-on) | ✅ (optional add-on) |
| NTUC Income Travel Insurance | Families | Up to $500,000 | Up to $15,000 | ✅ | ✅ (selected activities included) |
| AIG Travel Guard | Frequent flyers | Up to $2,500,000 | Up to $15,000 | ✅ | ✅ (with limits) |
| Allianz Travel Insurance | Business & luxury travellers | Up to $1,000,000 | Up to $15,000 | ✅ | ❌ (excluded by default) |
| MSIG TravelEasy | Adventure-seekers | Up to $1,000,000 | Up to $15,000 | ✅ | ✅ |
| HLAS via YouTrip | Budget-conscious YouTrip users | Up to $250,000 | Up to $7,000 | ✅ (on Enhanced or Superior tiers) | ✅ (optional add-on) |
Best Travel Insurance Singapore 2025:
TL;DR of Singapore’s Best Travel Insurance Options:
- FWD – Cheapest option with solid coverage.
- NTUC Income – Best for families (kids covered free).
- AIG – Highest medical limits ($2.5M).
- Allianz – Fast claims, great for business trips.
- MSIG TravelEasy – Best for adventure activities (coverage included by default for sports like hiking, snorkelling).
- HLAS via YouTrip – Exclusive discounts for YouTrip users.
💡 Pro Tip: Buy via the YouTrip app for instant policies & extra savings!
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1. FWD Travel Insurance
Best for: Budget travellers
Image credits: 365 Credit Solutions
FWD 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 Income 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
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 TravelEasy is the adventure traveller’s top pick, with automatic coverage for sports like diving and hiking — no add-ons needed. It includes $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: Allianz Travel Insurance
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6. 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
- Families: NTUC Income
- Frequent travel: AIG
- Budget + YouTrip users: HLAS (exclusive rates)
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
Q: Where to buy travel insurance in Singapore?
- Direct from insurer websites (FWD, NTUC, AIG)
- The YouTrip app (HLAS policies with instant issuance)
- Aggregators like MoneySmart
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
Q: What’s the best day to buy travel insurance?
A: Immediately after booking your flights or hotels — this ensures coverage for cancellations.
Best Travel Insurance Singapore 2025:
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!
*Disclaimer: We are not affiliated with, nor do we receive any endorsements from any travel agencies or related entities.
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