Travel premiums, coverage, and all the fine print don’t have to be confusing.
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. We’ve got you covered with our top picks for the best travel insurance to get on your trip this year.
| Best for | Our pick |
|---|---|
| Value all-rounder | FWD |
| Families & pre-existing conditions | Income (NTUC Income) |
| Maximum coverage | Singlife (unlimited overseas medical) |
| Adventure trips | MSIG TravelEasy |
| Highest medical limit | AIG Travel Guard (up to S$2.5M) |
| Buying in-app + cashback | HLAS via the YouTrip app |
| Typical cost, 7-day trip | ~S$15–40 ASEAN · ~S$50–150 worldwide |
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Table of Contents
- Do I Really Need Travel Insurance?
- What to Look For in Travel Insurance
- Best Travel Insurance Singapore: 2026 Comparison
- The Best Plan for Each Type of Traveller
- A Closer Look at the Top Providers
- Travel Insurance Singapore FAQs
Do I Really Need Travel Insurance?
While not compulsory for most destinations, some countries require proof of medical travel insurance for your visa, most notably the Schengen-area countries (minimum 30,000 EUR, ~S$44,000, in medical cover). Even where it’s 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 (2026 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 | Still worth checking. Some plans include it automatically, others charge for it as an add-on. Ensure the policy covers medical treatment, quarantine costs, and trip interruptions related to COVID-19. |
| Adventure Sports | If you plan on 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 (2026 Comparison)
Here’s a detailed comparison of top providers for the best travel insurance in Singapore, including FWD Travel Insurance, Income (formerly NTUC Income) Travel Insurance, AIG Travel Guard, Allianz Travel Insurance, MSIG Travel Insurance, Singlife Travel Insurance, Etiqa (Tiq) 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 S$1,000,000 | Up to S$15,000 | ✅ (optional add-on) | ❌ (no extreme-sports rider) | Affordable premiums, fully digital claims via app, 24/7 emergency hotline. |
| Income (NTUC Income) Travel Insurance | Families, older travellers, cruise enthusiasts | Up to S$1,000,000 | Up to S$15,000 | ✅ | ✅ (selected activities included) | Family plans cover any number of children, high cancellation coverage, cruise and golf add-ons, plus a dedicated Enhanced PreX plan for pre-existing conditions. |
| AIG Travel Guard | Frequent flyers, high-value trips, USA/Europe travel | Up to S$2,500,000 | Varies by plan | ✅ | ✅ (with limits) | Highest medical limits, covers some pre-existing conditions (with disclosure). Now underwritten and distributed by Zurich Insurance Group after AIG closed its direct channel in January 2026. |
| Allianz Travel Insurance | Business & luxury travellers, fast claims | Up to S$2,000,000 | Up to S$15,000 | ✅ | ❌ (optional add-on) | Fast-track claims, strong global coverage, annual plans for frequent travellers. |
| MSIG TravelEasy | Adventure-seekers, backpackers | Up to S$1,000,000 | Up to S$15,000 | ✅ | ✅ (Elite & Premier) | Adventure sports covered with no add-on fee on the Elite and Premier plans, trip disruption coverage for extreme weather. |
| Singlife Travel Insurance | Maximum coverage, digital convenience | Up to unlimited (Prestige) | Up to S$20,000 | ✅ (add-on) | ✅ (optional add-on) | Unlimited overseas medical on the top tier, optional cancel-for-any-reason add-on, user-friendly online platform. |
| Etiqa (Tiq) Travel Insurance Singapore | Value for money, comprehensive coverage | Up to S$1,000,000 | Up to S$10,000 | ✅ (add-on) | ✅ (optional add-on) | Competitive pricing, automated flight-delay payouts to PayNow, often featured in travel insurance promotions. |
| HLAS via YouTrip | Budget-conscious YouTrip users | Up to S$250,000 | Up to S$7,000 | ✅ (Silver tier and up) | ✅ (optional add-on) | Exclusive travel insurance promotion for YouTrip users, instant purchase via app, and competitive pricing. |
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The Best Plan for Each Type of Traveller
- FWD Travel Insurance – Cheapest option with solid coverage, great for budget-conscious travellers.
- Income (formerly NTUC Income) Travel Insurance – Best for families (family plans cover any number of children) and those seeking comprehensive benefits for specific activities like cruises, plus a dedicated pre-existing conditions plan.
- 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, with sports like hiking and snorkelling covered at no extra fee on its Elite and Premier plans.
- Singlife Travel Insurance – Offers the most coverage, with unlimited overseas medical on its top tier (cancel-for-any-reason available as an add-on).
- Etiqa (Tiq) Travel Insurance Singapore – Good value for money with broad coverage and automated flight-delay payouts.
- 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:
- Among the most affordable plans for ASEAN trips
- Up to S$1M medical emergency coverage (FWD First)
- Up to S$15,000 trip cancellation (FWD First)
- Optional add-ons: COVID-19 cover, sports equipment protection
- 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, Income travel insurance (formerly 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, and its dedicated Enhanced PreX plan covers pre-existing conditions that most insurers won’t touch.
Key Features:
- Family plans cover any number of children under one policy
- High trip cancellation (up to S$15,000)
- Cruise/golf coverage included
- Dedicated Enhanced PreX plan for pre-existing conditions
- 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 S$2.5M on its Elite plan) and is trusted by many business travellers. Coverage includes trip delays, baggage and COVID-related medical costs. Note that from 27 January 2026, AIG no longer sells Travel Guard through its own direct channel; the product is now underwritten and distributed by Zurich Insurance Group.
Key Features:
- Highest medical limit (S$2.5M for USA/Europe)
- Covers pre-existing conditions (with disclosure)
- Business travel perks: Lost laptop coverage
- Now sold via Zurich Insurance Group
- 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
- Fast-track claims 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. Its Elite and Premier plans cover sports like diving and hiking with no separate add-on, and the Premier plan includes up to S$1M medical protection and 24/7 support, ideal for thrill-seekers heading to Bali, NZ, or beyond.
Key Features:
- Adventure sports covered on the Elite and Premier plans
- No extra add-on fee for those activities on those tiers
- Trip disruption coverage for extreme weather
- Website: MSIG TravelEasy
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6. Singlife Travel Insurance
Best for: Travellers who want maximum coverage and an intuitive online experience.
Image credits: MoneySmart
Singlife travel insurance provides a user-friendly platform to purchase and manage your policy. Its plans run from Lite to Prestige, with the top tier offering unlimited overseas medical cover, and optional add-ons like cancel-for-any-reason and COVID-19 cover so you can tailor the plan to your needs.
Key Features:
- Easy online application and management
- Unlimited overseas medical on the Prestige tier
- Trip cancellation up to S$20,000 (Prestige)
- Cancel-for-any-reason and COVID-19 available as add-ons
- 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, sold online as Tiq, is known for its value-for-money policies that don’t compromise on essential benefits. They frequently offer attractive travel insurance promotion deals, and their automated flight-delay payouts make them a popular choice for cost-conscious yet thorough travellers.
Key Features:
- Attractive promotions and discounts
- Automated flight-delay payouts straight to PayNow on a 3-hour delay (no claim form needed)
- 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. The COVIDSafe Travel Protect360 Enhanced plan includes up to S$250,000 in overseas medical expenses, S$50,000 in COVID-19 medical cover, S$7,000 in trip cancellation, and S$5,000 in baggage loss, with optional add-ons like adventure sports coverage. 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
- 15% cashback credited on the 2nd of the following month
- 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!
📖 Related Guide: Find out more about HLAS x YouTrip Travel Insurance here
💡 Pro Tip: You can buy the HLAS plan in under a minute via the Insurance tab in the YouTrip app, and earn cashback paying with your YouTrip card.
Travel Insurance Singapore FAQs:
That depends on what suits your needs best:
– Budget: FWD travel insurance or HLAS via YouTrip
– Families: Income (NTUC Income) travel insurance
– Frequent travel: AIG or Allianz
– Adventure: MSIG travel insurance
– Maximum coverage: Singlife travel insurance
– Value for money: Etiqa (Tiq) travel insurance Singapore
– Frequent travel insurance promotions: HLAS via YouTrip or Etiqa travel insurance
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.
– Direct from insurer websites (e.g., FWD, Income, 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).
HLAS via YouTrip and FWD are consistently among the most affordable, especially for short ASEAN trips. Just make sure the cheapest plan still carries enough medical cover (ideally at least S$200,000).
HLAS via YouTrip and FWD are consistently among the most affordable, especially for short ASEAN trips. Just make sure the cheapest plan still carries enough medical cover (ideally at least S$200,000).
Yes! It’s best to buy as soon as you’ve booked, but most insurers let you purchase right up to departure, and some (like Income) even let you buy up to a day after you’ve left. Buying early ensures you’re covered for pre-trip cancellations.
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 2026. 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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