{"id":27774,"date":"2021-05-11T16:30:00","date_gmt":"2021-05-11T08:30:00","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=27774"},"modified":"2026-02-12T18:17:43","modified_gmt":"2026-02-12T10:17:43","slug":"best-covid-19-travel-insurance","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/best-covid-19-travel-insurance\/","title":{"rendered":"Best COVID-19 Travel Insurance 2022"},"content":{"rendered":"\n

Whether you\u2019re planning to jet off on any of the Vaccinated Travel Frameworks (VTF) for work or pleasure \u2014 here are some COVID-19 travel insurance plans to keep you protected this endemic season. <\/strong><\/h2>\n\n\n\n
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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\u2019ll be able to get away with minimal loss.\u00a0<\/p>\n\n\n\n

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Case Study: Germany<\/strong><\/h2>\n\n\n\n
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Since the VTL with Germany proved to be a successful way for travel to start up again in the pandemic age, I\u2019ll be using Germany as my country of choice to measure the various COVID-19 travel insurance coverage \u2014 assuming 2 to 9 December as the date of travel. I\u2019ll also be choosing the basic option of each plan so you get a gauge of the minimum amount you\u2019ll be paying for insurance, amongst the other real costs of travelling via Vaccinated Travel Lanes<\/a>.\u00a0<\/p>\n\n\n\n

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Best COVID-19 Travel Insurance Policies 202<\/strong>2<\/h2>\n\n\n\n
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Insurance Plans <\/strong><\/td>Key COVID-19 Related Benefits <\/strong><\/td>Cost<\/strong><\/td><\/tr>
AIG<\/strong><\/td>\u2705  Overseas Medical Expenses
\u2705  Emergency Medical Evacuation & Repatriation Due to COVID-19
\u2705  Cancellation of Your Trip (Pre-departure)
\u2705  Alteration of Your Trip (Pre-departure)
\u2705  Early Return Home
\u2705  Out-of-Country COVID-19 Diagnosis Quarantine Allowance<\/td>		S$73<\/td><\/tr>
AXA<\/strong><\/td>\u2705  Overseas Medical Expenses
\u2705  Post Trip Medical Expenses
\u2705  Overseas Hospitalisation Allowance
\u2705  Hospitalisation Allowance in Singapore
\u2705  Quarantine Allowance for Infectious Disease (Outside of Singapore)
\u2705  Quarantine Allowance for Infectious Disease (in Singapore)
\u2705  Child Care Benefit
\u2705  Hospital Visit Benefit
\u2705  Emergency Personal Mobile Phone Charges<\/td>		S$75.50<\/td><\/tr>
Sompo<\/strong><\/td>\u2705  Trip Cancellation Due to COVID-19
\u2705  Trip Postponement Due to COVID-19
\u2705  Trip Curtailment Due to COVID-19
\u2705  Trip Disruption Due to COVID-19
\u2705  Medical Expenses Incurred Overseas
\u2705  Medical Expenses Incurred Upon Returning to Singapore
\u2705  Emergency Medical Evacuation & Repatriation Due to COVID-19
\u2705  Double Hospitalisation Allowance Whilst overseas In ICU Arising from An Accident
\u2705  Overseas Hospitalisation Allowance
\u2705  Hospital Allowance For Hospitalisation In Singapore
\u2705  Quarantine Allowance Due To 16 Infectious Diseases Upon Return To Singapore<\/td>		S$81<\/td><\/tr>
Income<\/strong><\/td>\u2705  Medical Expenses Overseas Due to COVID-19
\u2705  Cancelling Your Trip
\u2705  Emergency Medical Evacuation Due to COVID-19
\u2705  Sending You Home Due to COVID-19<\/td>		S$101<\/td><\/tr>
FWD<\/strong><\/td>\u2705  Cancelling Up to 30 days Before Due to COVID-19
\u2705  Medical expenses if you’re hospitalised due to COVID-19 while overseas or after returning to Singapore
\u2705  Allowance if You\u2019re Hospitalised Overseas After Being Diagnosed with COVID-19
\u2705  Additional Transport Expenses if Your trip is Disrupted Because You’re Diagnosed with COVID-19
\u2705  Emergency Evacuation & Repatriation Back to Singapore if Required
\u2705  Allowance if You’re Hospitalised Locally After Being Diagnosed with COVID-19<\/td>		$72.90<\/td><\/tr>
STARR<\/strong><\/td>\u2705  Medical Expenses (Includes COVID-19 Overseas Medical Expenses)
\u2705  Starr Global Emergency Assistance Services<\/td>		S$34.80<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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1. AIG: Travel Guard Direct<\/strong><\/h2>\n\n\n\n
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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. <\/p>\n\n\n\n

Buy your COVID-19 travel insurance here<\/a>.<\/strong><\/p>\n\n\n\n

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2. AXA: SmartTraveller Travel Insurance<\/strong><\/h2>\n\n\n\n
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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.<\/p>\n\n\n\n

Buy your COVID-19 travel insurance here<\/a>.<\/strong><\/p>\n\n\n\n

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3. Sompo: COVID-19 Insurance<\/strong><\/h2>\n\n\n\n
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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\u2019s website<\/a>. <\/p>\n\n\n\n

Buy your COVID-19 travel insurance here<\/a>.<\/strong><\/p>\n\n\n\n

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4. Income: COVID-19 Travel Insurance<\/strong><\/h2>\n\n\n\n
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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\u2019s list of high-risk countries because COVID-19 coverage will not be extended to those places. <\/p>\n\n\n\n

Buy your COVID-19 travel insurance here<\/a>.<\/strong><\/p>\n\n\n\n

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5. FWD: Travel Insurance + COVID-19 Rider<\/strong><\/h2>\n\n\n\n
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Apart from the basic travel insurance plan, you\u2019ll 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.<\/p>\n\n\n\n

Buy your COVID-19 travel insurance here<\/a>.<\/strong><\/p>\n\n\n\n

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6.  Starr Insurance: TraveLead Travel Insurance With COVID-19 Coverage<\/strong><\/h2>\n\n\n\n
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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. <\/p>\n\n\n\n

Buy your COVID-19 travel insurance<\/strong> here<\/a>.<\/strong><\/p>\n\n\n\n

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Travel Safe, Travel Smart<\/strong><\/h2>\n\n\n\n
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\"COVID-19<\/figure>\n\n\n\n
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Now that you have a better idea of what\u2019s on the market when it comes to VTL COVID-19 travel insurance, don\u2019t forget to check out with your YouTrip card to take advantage of our wholesale exchange rates for all your purchases! <\/p>\n\n\n\n

If you don\u2019t have a YouTrip card yet, use <BLOG5<\/strong><\/a>> during your sign-up to enjoy a free S$5 in your account! <\/p>\n\n\n\n

Remember to read the t&cs<\/em> before committing to a certain travel insurance plan \u2014 and don\u2019t 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! <\/p>\n\n\n\n

For more great tips and guides like this, join our Telegram Community (@YouTripSquad)<\/strong><\/a>and subscribe to our free weekly newsletter here<\/strong><\/a> or down below!<\/p>\n\n\n\n

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Related Articles:<\/strong><\/p>\n\n\n\n

COVID-19 Vaccine: Peaky Blinders, Disneyland, & Other Surprising Vaccination Hubs<\/a><\/strong><\/p>\n\n\n\n

Immunity Passports: Will They Help Resume Travel During COVID-19?<\/a><\/strong><\/p>\n\n\n\n

40% Willing to Visit COVID-19 Hotspots in 2021<\/a><\/strong> <\/p>\n\n\n\n

\"Everything<\/figure>\n","protected":false},"excerpt":{"rendered":"

Travel the VTLs safe and smart with the best COVID-19 travel insurance.<\/p>\n","protected":false},"author":53,"featured_media":27775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621,623,624],"tags":[39132],"class_list":["post-27774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","category-lifestyle","category-travel","tag-trending"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/27774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=27774"}],"version-history":[{"count":0,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/27774\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/27775"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=27774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=27774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=27774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}