Updated Jan 2026: Travel with confidence using Singapore’s best travel insurance. We compare over 15 insurers including AIG, Allianz, and MSIG to find the lowest premiums, highest medical coverage, and best plans for pre-existing conditions or high-risk sports.
Get free quoteTravel insurance provides financial protection against unforeseen events that occur before or during overseas travel.
Most comprehensive travel insurance plans in Singapore cover:
Medical coverage typically includes in-patient hospital expenses overseas, emergency evacuation to the nearest appropriate facility and medically necessary repatriation.
Buy travel insurance before departure
A March 2024 survey reported strong intent among Singapore travellers to purchase travel insurance:
Frequent travellers increasingly treat travel insurance as essential risk protection rather than an optional add-on.
Refer to this section to quickly shortlist plans based on what matters most to your trip. Compare benefits such as pre-existing condition coverage, high-risk sports, evacuation limits and baggage claims side-by-side.
Best for pre-existing coverage: Income Enhanced PreX Prestige, Tiq Travel Luxury Pre-ex
Best for high-risk sports: Income Travel, Tokio Marine Explora
Best for evacuation & repatriation costs: AIG Travel Guard Premier, Chubb Travel Pro Enhanced Ultimate, Income Travel Preferred, Singlife Travel Prestige
Best for lost baggage claim: AIG Travel Guard Premier, Chubb Travel Pro Enhanced Ultimate, EQ Travelsafe Ultimate, Income Travel Preferred, Singlife Travel Prestige
Best domestic pets care: Chubb Travel Pro Enhanced Ultimate, EQ Travelsafe Ultimate, MSIG TravelEasy Premier, Singlife Travel Prestige
Plans are grouped by whether they cover pre-existing medical conditions. For consistency, the benefits shown reflect the highest tier option for each insurer.
The plans below exclude coverage for pre-existing medical conditions. Claims arising from excluded or undisclosed conditions will not be payable.
These plans may offer lower premiums but provide narrower medical protection for those with existing medical conditions.
| Plan | AIG Travel Guard | Chubb Travel Pro Enhanced | EQ Travel | Tiq Travel Insurance | Income Travel | MSIG TravelEasy | Singlife Travel | |
| Plan type | Premier | Ultimate | Ultimate | Luxury | Preferred | Premier | Prestige | |
| Travel cancellation (Unforeseen circumstances) | Up to $15,000 | Up to $20,000 | Up to $15,000 | Up to $10,000 | Up to $15,000 | Up to $15,000 | Up to $20,000 | |
Travel delay | Claim limit | Up to $3,000 | Up to $2,000 | Up to $2,000 | Up to $500 | Up to $2,000 | Up to $1,500 | Up to $2,000 |
| Overseas | Per 6 hours: $100 | Per 6 hours: $200 | Per 6 hours: $100 | Per 3 hours: $50 | Per 6 hours: $100 | Per 6 hours: $100 | Per 6 hours: $100 | |
| Singapore | Per 6 hours: $150 | |||||||
Baggage delay | Claim limit | Up to $1,600 | Up to $1,200 | Up to $2,000 | Up to $200 | Up to $2,000 | Up to $1,500 | Up to $2,000 |
| Overseas | Per 6 hours: $200 | Per 6 hours: $200 | Per 6 hours: $200 | Per 6 hours: $100 | Per 6 hours: $200 | Per 6 hours: $250 | Per 6 hours: $200 | |
| Singapore | Per 6 hours: $200 | Per 6 hours: $150 | ||||||
Loss baggage | Up to $10,000 | Up to $8,000 | Up to $8,000 | Up to $3,000 | Up to $8,000 | Up to $7,500 | Up to $8,000 | |
| Limit Laptop: $1,000 Per article: $500 | Limit: Laptop: $1,000 Per article: $500 | Limit: Laptop: $1,000 Per article: $500 | Limit: Laptop: $1,000 Per article: $250 | Limit: Laptop: $1,000 Other items (for each item, set or pair): $500 | Limit: Laptop: $1,000 Other items (for each item, set or pair): $500 | Limit: Other items (for each item, set or pair): $700 | ||
| Losing money | Up to $8,000 Cash limit: $300 | Up to $300 | Up to $5,000 | Up to $500 | Up to $500 | Up to $500 | Up to $3,000 | |
| Losing travel documents | Up to $5,000 | Up to $8,000 | Up to $5,000 | Up to $5,000 | ||||
| Personal accident | Up to $300,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 | |
Overseas hospitalisation | Normal ward | $50,000 Per day: $200 | Up to 200 days Per day: $200 | Up to $30,000 Per day: $200 | Up to $20,000 Per day: $200 | Up to $50,000 Per day: $200 | Up to $60,000 Per day: $300 | Up to $50,000 Per day: $200 |
| Intensive Care Unit (ICU) | Up to 40 days Per day: $200 | Up to $30,000 Per day: $300 | Up to $4,000 Per day: $400 | Up to $50,000 Per day: $400 | ||||
| Medical expense (Singapore) (w/o evacuation) | Up to $10,000 | Up to $7,500 | Up to $50,000 | Up to $10,000 | Up to $50,000 | Up to $75,000 | Up to $80,000 | |
| Medical expense (Overseas) | Up to $2,500,000 | Up to $2,000,000 | Up to $500,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 | Unlimited | |
| Emergency medical evacuation | Unlimited | Unlimited | Up to $1,000,000 | Up to $1,800,000 | Unlimited | Up to $1,000,000 | Unlimited | |
| Repatriation | Unlimited Pre-ex claim limit: $150,000 | |||||||
| Rental vehicle excess | Up to $1,500 | Up to $1,000 | Up to $1,000 | Up to $1,000 | Up to $2,500 | Up to $1,500 | Up to $2,500 | |
| Domestic pet care | After 24 hours delay, Up to $750 Per 6 hours: $50 | Up to $1,000 | Up to $750 Per 8 hours: $50 | Add On Up to $1,000 Per 6 hours: $50 | NA | Up to $750 Per day: $75 | Up to $1,000 Per day: $50 | |
Sports | Trekking | Up to 3,000 metres | Up to 3,000 metres | Up to 3,000 metres | Up to 3,000 metres | Up to 6,000 metres | Up to 3,000 metres | Up to 3,000 metres |
| Winter/water sports | Yes | Yes | Yes | Yes | Yes | Yes | Optional | |
| Aerial sports | Yes | No | Yes | Yes | Yes | Yes | Yes | |
Source: AIG, Chubb, EQ, Tiq, Income, MSIG, Singlife
The plans in the table below provide coverage for declared pre-existing medical conditions, subject to policy terms.
Plan | Tiq Pre-Ex | Income Enhanced PreX | MSIG Traveleasy Pre-Ex | ||
| Plan type | Luxury | Enhanced PreX Prestige | Premier Plan | ||
| Travel cancellation (unforeseen circumstances) | Up to $10,000 | Up to $15,000 Pre-ex claim limit: 25% co-payment | Up to $15,000 | ||
Travel delay | Claim limit | Up to $500 | Up to $2,000 | Up to $1,500 | |
| Overseas | Per 3 hours: $50 | Per 6 hours: $100 | Per 6 hours: $100 | ||
| Singapore | Per 6 hours: $150 | ||||
Baggage delay | Claim limit | Up to $200 | Up to $2,000 | Up to $1,500 | |
| Overseas | Per 6 hours: $100 | Per 6 hours: $200 | Per 6 hours: $250 | ||
| Singapore | |||||
Loss baggage | Up to $3,000 | Up to $8,000 | Up to $7,500 | ||
Limit: | Limit: Laptop: $1,000 Other items (for each item, set or pair): $500 | Limit: Laptop: $1,000 Other items (for each item, set or pair): $500 | |||
| Losing money | Up to $500 | Up to $500 | Up to $500 | ||
| Losing travel documents | Up to $500 | Up to $8,000 | Up to $5,000 | ||
| Personal accident | Up to $500,000 | Up to $500,000 | Up to $500,000 | ||
Overseas hospitalisation | Normal ward | Up to $20,000 Benefit per day: $200 | Up to $50,000 Pre-ex claim limit: | Up to $60,000 Per day: $300 | |
| Intensive Care Unit (ICU) | Up to $4,000 Per day: $400 | ||||
| Medical expense (Singapore) | Up to $10,000 | Up to $50,000 | Up to $75,000 | ||
| Medical expense (Overseas) | Up to $1,000,000 Pre-ex claim limit: $150,000 | Up to $1,000,000 | Pre-ex claim limit: $300,000 | Up to: $1,000,000 Pre-ex claim limit: $150,000 | |
| Emergency medical evacuation | Up to $1,800,000 Pre-ex claim limit: $250,000 | Unlimited | Up to $1,000,000 Pre-ex claim limit: $200,000 | ||
| Repatriation | Unlimited | ||||
| Rental vehicle excess | Up to $1,000 | Up to $2,500 | Up to $1,500 | ||
| Domestic pet care | Add On Up to $1,000 Per 6 hours: $50 | NA | Up to $750 Per day: $75 | ||
Sports | Trekking | Up to 3,000m | Up to 4,000m | Up to 3,000m | |
| Winter/Water sports | Yes | Yes | Yes | ||
| Aerial sports | Yes | Yes | Yes | ||
What makes Planner Bee different
✔️ Compare plans across 20+ insurers & 500+ products
✔️ Licensed & regulated financial advisory firm in Singapore
✔️ Transparent, pressure-free recommendations
✔️ Plain-English explanations (no jargon, no scare tactics)
✔️ Support before, during, and after claims
Here are some key coverage benefits to consider before purchasing:
Medical treatment costs vary significantly from country to country. If you are travelling to destinations with expensive healthcare systems such as the United States or parts of Europe it is important to choose a plan with a higher overseas medical expense limit.
A plan with insufficient coverage could leave you paying large out of pocket expenses in the event of hospitalisation or emergency treatment.
Air ambulance transport and medical escorts can be extremely costly. Ensure the evacuation limit is sufficiently high, especially for remote destinations.
If you have a chronic illness or recent medical history, you should consider plans that cover pre-existing conditions.
Some common pre-existing conditions that should consider pre-existing coverage include:
Key things to take note when choosing a pre-ex travel plan:
Insurers typically cap:
Limits vary by insurer and tier. Confirm before departure.
If you plan to ski, scuba dive, trek at altitude or participate in adventure sports:
Some common sports include:
Do not assume coverage applies automatically.
If renting a car overseas, choose a plan that reimburses rental vehicle excess in the event of damage.
Typically, when you rent a vehicle, the rental will come with some basic insurance coverage. However you will still need to cover a portion of the cost. This portion is referred to as either the excess, or a deductible.
Some travel insurance policies will cover the excess incurred but some do not. So if you would like to be covered in this situation, make sure to check with your insurer if this benefit is part of your policy.
Buying early strengthens your coverage. When you purchase before departure:
Aim to purchase at least 3 to 7 days before departure, subject to policy terms.
Read more: 6 Key Factors To Consider When Buying Travel Insurance
No matter how well planned your travels are unforeseen events can still happen. A good travel insurance policy helps reduce the financial impact when things do not go as expected.
Planner Bee data shows that in 2025, 58% of travel insurance claims were due to unforeseen medical treatment overseas or upon return to Singapore while emergency medical evacuation accounted for less than 2% of claims.
Although evacuation cases are relatively rare they often involve significantly higher costs due to air ambulance transport and cross border medical coordination. This highlights the importance of prioritising strong overseas medical coverage while ensuring your plan also provides adequate emergency evacuation benefits for worst case scenarios.
Here are the four most common reasons for travel insurance claims in Singapore.
Falling sick while travelling is more common than many expect especially with long flights fatigue climate changes or unfamiliar food.
Travel insurance typically covers overseas medical consultations, hospital treatment, surgery medication and follow up treatment in Singapore if the illness or injury occurred during the trip.
Travel disruptions can happen due to weather airline operational issues or airport congestion. These delays may lead to additional accommodation expenses, meals or the need to purchase essential items such as clothing and toiletries.
Most policies require a minimum delay period usually starting from 6 hours before claims are payable so it is important to check the policy wording carefully.
The loss of your belongings, such as travel documents, your phone, wallet, or laptop due to theft is covered under travel insurance too.
While it is really inconvenient when this happens on vacation, travel insurance will help recover part of the loss suffered.
Trip cancellations may occur if you or a family member fall seriously ill before departure. In such cases non refundable flights accommodation and prepaid tour costs may be claimable if the reason falls within the policy terms.
In rare cases travel operators may cancel services or become insolvent. Depending on the policy, travel insurance may reimburse prepaid expenses.
Read more: Travel Insurance: Do I Really Need It and What Should I Take Note Of?
Filing a travel insurance claim requires timely notification and proper documentation. Insurers assess claims based on policy wording covered events and supporting evidence. Preparing the right documents early can significantly improve the likelihood of a smooth and successful claim.
If the incident involves a medical emergency contact local emergency services first. You should also call your insurer’s 24 hour assistance hotline as soon as possible.
Most insurers require pre-authorisation before arranging emergency evacuation or major medical treatment. Failure to notify them early may affect reimbursement.
Insurers require objective proof that the incident occurred. Depending on the type of claim you may need:
If you fall sick overseas and seek follow up treatment in Singapore ask your doctor to issue a memo stating that the condition arose during your trip.
Documentation should clearly state dates, locations and cause of the incident.
Certain documents are commonly overlooked but are essential:
For baggage damage, report the issue immediately at the airport before leaving the restricted area. Airlines will generate a report which may be required for your claim.
Insurers reimburse based on actual financial loss subject to policy limits, sub limits and depreciation where applicable.
Most insurers require claims to be submitted within a stipulated timeline often within 30 days after returning to Singapore though this varies by insurer.
Claims are usually submitted through:
Incomplete or late submissions may delay processing or result in rejection.
Insurers may request additional documents such as:
Respond promptly to avoid delays in processing.
Straightforward claims with complete documentation may be processed within a few weeks. More complex cases involving hospitalisation or evacuation may take longer.
Approved claims are typically paid via bank transfer.
For more detailed answers on specific claim scenarios you can refer to our Claims FAQ page
If you purchased your travel insurance through Planner Bee our team is here to support you throughout the claims process and help make it as smooth as possible.
Claims may be declined if:
Review exclusions carefully before travelling.
Read more: Your Complete Guide To Travel Insurance Claims
Some credit cards provide complimentary travel insurance when you charge eligible travel bookings to the card.
Review:
Credit card coverage often provides lower limits than standalone travel insurance policies.
Choose a travel insurance plan based on:
Do not select a policy based solely on premium.
Compare benefit limits carefully and confirm final terms in the policy wording before purchase.
Read more: 5 Ways To Ensure Your Travel Insurance Claims Get Approved
Singapore Citizens, PRs, and valid pass holders such as Employment Pass, Work Permit, Dependant Pass. Foreigners are not usually not eligible, with the except of limited plans.
Single-trip plans for one journey, annual/multi-trip plans that covers multiple trips within a year. You may purchase as an individual, couple, or family plans.
Families with 2 or more children should take up a family plan as the premiums will be cheaper then individual plans. For couples with no children, group or couple plans will be more cost efficient.
