Best Travel Insurance with COVID 19 Coverage (2022)

Singapore Travel Insurance with COVID 19 Coverage You Should Consider

As border restrictions ease up, you’re probably ready to see the world once more. Whatever your COVID-19 vaccination status is, you need to safeguard your financial capacity in case you unexpectedly face health or pandemic-related problems. Getting Singapore travel insurance with COVID 19 coverage is a must.

This is highly important, especially if you plan on exploring other countries where your health plan has limited coverage. In fact, COVID-19 cover has become the biggest reason for buying Singapore travel insurance since it can give people a much-needed safety net.

Here at OMY, you can discover about:

COVID-19 Travel Insurance in Singapore You Should Consider

travel insurance with covid 19 coverage

There’s no denying that despite the decreasing number of COVID-19 related cases, travelling during a pandemic can still make way for a lot of challenges. This is why insurers are now pushing people to get travel insurance with COVID-19 coverage in Singapore.

The coverage of insurance policies varies from one provider to another. Generally, these include coverage before, during, and after your trip.

Before Your Trip

When you get diagnosed with COVID-19 before your departure that requires you to cancel your trip, an insurance policy may reimburse you for your non-refundable trip-related expenses, including cancellation fees, payments and deposits.

If your trip is rescheduled due to your companion being exposed to COVID-19, you may also claim these expenses.

Moreover, if one of your household members is not travelling with you since it contracts COVID-19, you can also claim benefits depending on the policy’s terms.

During Your Trip

Due to the unpredictability of new COVID-19 strains such as Omicron, there is an increased risk of infection. You or your travel companion may get infected. If this happens, you’d have to cut your trip short. As such, your insurance policy will reimburse you up to the maximum benefit for your trip delays and interruptions.

In some cases, insurers can also pay for additional transportation and accommodation expenses if you need to come home early or if you need to stay in a different country longer for your recovery.

Before you become eligible to file any of these claims, a medical practitioner must examine you. You should always comply with Singapore’s government advisory and the recommendations of medical professionals.

In short, travel insurance with COVID-19 coverage can take care of the following:

  • Curtailment of your trip
  • Medical assistance
  • Medical expenses
  • Emergency evacuation
  • Medical repatriation

If you get stranded in another country, your insurance provider can also offer you much-needed assistance such as:

  • Identifying hospitals and arranging for medical transport
  • Making advance payments for in-patient services
  • Providing medical escorts
  • Arranging for your return to Singapore

After Your Trip

Depending on your chosen COVID travel insurance policy, you can enjoy medical coverage when your return home after a travel misfortune. Moreover, this policy can reimburse the financial losses you incur while you suffer from unfortunate events during your trip.
While for the other policies, the coverage depends on your insurance plan’s terms and conditions.

For instance, there are some insurance policies that can provide additional coverage for up to three (3) months after returning to Singapore. This includes coverage for medical expenses due to COVID-19, provided that you tested positive due to your trip overseas.

How to Make a COVID Travel Insurance Claim in Singapore?

Similar to the other travel insurance Singapore claims, you’ll have to file a claim with your insurance provider first to reap its benefits.
You can either call your COVID travel insurance provider or file a claim on your insurer’s website.

Either way, your insurer will require the following information:

  • Details about your trip such as travel dates, financial costs, and trip cancellation or rescheduling expenses
  • Medical Certificate and diagnosis for COVID-19
  • Your travel insurance policy number
  • The type of claim you want to file

For claims to be filed outside the country, these can be filed with the insurer’s international network of medical partners. For the insurer to process your claim, you need to present original medical bills for verification.

Make sure to consider cut-off dates when filing claims. Check with your insurance provider for claim filing deadlines, payouts, and other details.

Why Should You Get Travel Insurance with COVID-19 Coverage in Singapore?

Just a few years ago, people used to disregard travel insurance as a waste of money. Today, things are different.

People are starting to make travel plans for the coming year, and travel insurance is becoming an indispensable part of this new lifestyle.

A lingering COVID-19 outbreak calls for preparation, and with travel insurance with COVID-19 coverage, you can have peace of mind that all your important financial needs are accounted for.

Here are some of the key reasons why you should get travel insurance with COVID-19 coverage.

It Protects You Against an Unexpected Monetary Loss

When you purchase a COVID-19 travel insurance plan, you’ll get to enjoy protection from financial losses such as expenses due to trip cancellations and trip interruptions, as well as additional costs, should you have to travel home prematurely.

Numerous COVID travel insurance in Singapore offers additional coverage for expenses due to unexpected medical conditions, which means you can have a refund for your medical expenses, including overseas treatments and living expenses.

It Offers You Peace of Mind

Being prepared gives you peace of mind, and while it’s hard to predict the future, travel insurance with COVID-19 coverage can give you comfort that your financial needs, whether it involves a medical expense or an unexpected trip cancellation, will be taken care of.

It Fills in the Gaps in your Health or Travel Insurance

Travelling during a COVID-19 pandemic can expose you to other risks and increase your chances of contracting the virus. This means that your current health insurance may not be able to fully cover the resulting medical expenses. The best covid-19 travel insurance in Singapore acts as an added layer of protection against financial losses.

What to Look for in a Singapore COVID-19 Travel Insurance?

travel insurance with covid 19 coverage

Deciding which of the best COVID travel insurance in Singapore to choose from can be a bit challenging, especially with a growing number of options to choose from. With the increasing number of travel insurance providers, it’s important to make sure that you’re getting the best value for your money.

When you’re looking for the best travel insurance with COVID-19 coverage, you have to balance your need for coverage and affordability.

Here are some tips on how to find the ultimate COVID travel insurance in Singapore for your needs.

Consider Basic Plans

Unless you have a pre-existing medical condition that needs to be covered, it’s best to stick with basic COVID travel insurance plans. In most cases, these plans will be cheaper than major medical travel insurance as they don’t cover major illnesses.

Basic travel insurance plans with COVID-19 coverage can cover normal travel-related risks, such as trip cancellations, baggage problems, delays, and other issues that may arise during your trip.

Examine Policy Terms

Make sure to look into your policy’s terms and conditions and know your insurance provider’s pay-out limits.

When you purchase one, it’s important to understand the type of coverage it offers, as well as its limitations. By following this tip, you’ll be able to select the one that’s best for you.

Assess Risks

If you have pre-existing medical conditions, you may want to consider a COVID travel insurance plan that can provide you with additional coverage.

For example, if you have chronic illnesses, and depending on the type of your travel insurance plan, you may need to pay an additional premium.

Know Your Destination

Depending on where you are going, you may have to purchase travel insurance with the COVID-19 cover plan that covers specific regions. For instance, there are insurance plans that do not cover conflict zones.

Go With a Reputable Insurance Provider

Along with the cost, you also have to consider whether the travel insurance provider is reputable or not. You can look at things like the provider’s customer service, online reviews, and claims policy.

Shop Around

With a growing number of options, you have to be meticulous in choosing your COVID-19 travel insurance. Before deciding, compare plans from one insurer to the next. It may be tempting to settle for travel insurance that is cheap, but do not overlook other key factors.

Aside from that, know about the limits and caps. For instance, you should know about the maximum medical expense payout limit, as well as the maximum daily hospital/medical bill that is covered.

Be Aware of your Financial Capacity

Knowing your financial capacity is another important thing you have to do when you are looking for a travel insurance plan.

If you are not sure about your financial capacity, it is best to talk to your agency travel specialist. They will be able to give you a clever idea of what you can afford. In some cases, they can even offer you financial assistance and discounts for your travel insurance.

The Best Travel Insurance in Singapore with COVID-19 Coverage

travel insurance with covid-19 coverage

Now that you know how to shop for the best travel insurance with COVID coverage, you are finally ready to see the specific coverage offered by different insurers in Singapore.

Examine this table below for an overview of the top Singapore travel insurance with COVID coverage policies:

Plan Medical expenses coverage Trip cancellation/Interruption coverage Promos
HLAS COVIDSafe Travel Protect360 Up to S$200,000 Up to S$15,000 Single trip: 40% discount with No Claim Discount. T&Cs apply.

Annual trip: 50% discount plus 50% refund with No Claim Discount. T&Cs apply.

Allianz Travel insurance Up to S$1 million 15,000 Use code “travelagain” for 35% off valid valid until 31 May 2022
FWD Travel Insurance + COVID-19 Coverage Up to S$200,000 Up to S$5,000 Use code “travel10” for 10% off (no validity information available)
AIG Travel Guard Insurance Up to S$250,000 Up to S$7,500 S$50 in GrabRide when you use promo code “AIGTGD” valid until 30 June 2022
AXA Smart Traveller Insurance Up to S$300,000 Up to S$6,000 Enjoy 30% off when you buy a Single Trip plan from 1 May 2022 to 31 May 2022
Tiq Travel Insurance Up to S$1 million Up to S$10,000 Up to 40% off + S%500 cashback (validity information not available)
MSIG TravelEasy Up to S$1 million Up to S$15,000 45% off and up to S$48 via PayNow valid until 31 May 2022
NTUC Travel Insurance Up to S$1 million Up to S$15,000 40% off from 24 May to 7 June

HLAS COVIDSafe Travel Protect360

COVIDSafe Travel Protect360 Basic COVIDSafe Travel Protect360 Enhanced COVIDSafe Travel Protect360 Superior
Trip cancellation S$5,000 S$7,000 S$12,000
Medical coverage (overseas) S$150,000 S$250,000 S$500,000
Bags/belongings S$3,000 S$5,000 S$7,000
Price Starts at S$56 Starts at S$71 Starts at S$91

The HLAS COVIDSafe Travel Protect360 offers three tiers to choose from – basic, enhanced, and superior. This way, you can find the perfect plan to meet your needs. However, it’s better to stick to the superior and enhanced plan if you want to enjoy overseas medical expense coverage. This HLAS COVID travel insurance plan also offers hospital cash benefits that will pay you for every day you spend at the hospital and in quarantine.

This COVID 19 insurance in Singapore also offers reimbursement for trip cancellations and curtailments and postponements. There is also coverage for emergency evacuation and repatriation for the Enhanced and Superior plans.

This COVID travel insurance plan covers:

  • Medical expenses and travel inconveniences
  • Emergency medical evacuation/repatriation
  • 24/7 travel, emergency medical, and evacuation assistance
  • Loss of home content due to burglary
  • Golfing “hole in one” (See policy wording here.)

Get a quote here.

Allianz Travel insurance

Comprehensive Bronze Plan From S$35.10 (Before S$54)
Medical expenses (due to COVID-19) S$1 million
rip cancellation/

interruption

Up to S$15,000
Travel delay Up to $$1,500
Promos Use code “travelagain” for 35% off valid valid until 31 May 2022

If you’re looking for a plan that offers the highest coverage for COVID-19-related medical expenses, the Allianz Travel insurance is worth considering. With a S$1 million coverage, you’ll definitely enjoy peace of mind.

This plan also offers a special benefit that includes advance payments subject to approval or availability if you need to be admitted to a hospital. This plan can also cover up to S$15,000 if your trip is cancelled.

Despite its upsides, this insurance policy’s perks for overseas hospital cash and quarantine allowance are limited. This makes it a suitable option for those who are shopping for an all-in-one travel insurance plan, as well as people who want to prioritise protecting their finances. This insurance plan also offers a 14-day refund policy if you change your mind after purchasing it.

This plan covers:

  • Trip cancellation
  • Trip curtailment
  • Emergency medical evacuation
  • Overseas medical expenses
  • 24/7 assistance and support

Apply here. 

FWD Travel Insurance + COVID-19 Coverage

Price Starts at S$13
Medical expenses due coverage (due to COVID-19) S$200,000
Delayed, theft, or damage to luggage Up to S$900 for baggage delay, up to $18,750 for damage to personal belongings such as baggage
Trip cancellation/

interruption

Up to S$5,000
Travel delay S$100 for every six hours
Liability for harm/damage you accidentally cause S$500,000
Automatic travel cover extension 7 days
Promos Use code “travel10” for 10% off (no validity information available

If you’re working with a limited budget for your travel insurance plan, this is a great option. This FWD travel insurance with covid coverage will reimburse some of your travel expenses if you get diagnosed with COVID-19 30 days before your trip, or if you need to change your trip itinerary due to a COVID diagnosis while abroad.

This FWD COVID travel insurance also offers medical expense reimbursement as well as hospital cash benefit if you get hospitalised for up to 14 days in Singapore when you return from your trip.

This plan covers:

  • Trip cancellation and disruption
  • Overseas hospital cash
  • Hospital cash (in Singapore)
  • Medical expense coverage
  • Emergency medical evacuation and repatriation
  • 80 days advance purchase

Get a quote here.

AIG Travel Guard Insurance

Price Starts at S$23
Overseas medical expenses and emergency medical evacuation Up to S$250,000
Trip cancellation Up to S$7,500
Itinerary alteration Up to S$1,500
Early return home Up to S$7,500
Loss of personal belongings Up to S$10,000
Pre-trip cancellation Up to S$15,000
Baggage delay Up to S$1,600
Out of country diagnosis quarantine allowance S$100 per day up to 14 days
Promos S$50 in GrabRide when you use promo code “AIGTGD” valid until 30 June 2022

This is another plan worth considering. AIG Travel Guard Insurance can reimburse some of your travel expenses if you caught the virus, or if a family member catches COVID-19 before you depart for your destination. It also includes quarantine allowance and medical coverage.

This AIG travel insurance COVID plan gives you tons of benefits, but it doesn’t offer daily hospital cash benefits which can be a deal-breaker for many travellers. Despite this, the affordability of this plan makes it a must-have for those who want to save money yet still get COVID-19 coverage on their travels.

This plan covers:

  • Trip cancellation
  • Overseas medical expense
  • Emergency medical evacuation
  • Early return home
  • Overseas quarantine allowance

Get a quote here.

AXA Smart Traveller Insurance

Price (essential) Starts at S$31.70 (after discount)
Medical expenses Up to S$300,000
Travel inconveniences and personal belongings Up to S$34,850
Personal accident Up to S$400,000
Legal assistance Up to S$500,000
Promos Enjoy 30% off when you buy a Single Trip plan from 1 May 2022 to 31 May 2022

This generous insurance plan will allow you to claim costs that you incurred within 90 days of your trip abroad.

One of the major perks of this flexible allowance is that you can claim for both quarantine and hospitalisation in one trip.

Moreover, the AXA Travel Insurance COVID plan is also flexible especially when it comes to trip curtailment and rearrangement. This insurance policy can also be claimed not only if you got COVID-19, but also if there is a death in your family due to the virus, if your travel transport gets cancelled due to an outbreak, or if there’s an outbreak in your destination that prevents you from continuing your overseas trip. Despite its affordability, this plan’s list of benefits is comprehensive.

This plan covers:

  • Pre-departure trip cancellation and postponement
  • Trip curtailment and rearrangement losses
  • Overseas hospitalisation allowance
  • Medical expenses
  • Emergency medical evacuation and repatriation
  • 24/7 medical assistance
  • Full terrorism cover

Get a quote here.

MSIG TravelEasy

MSIG TravelEasy Standard MSIG TravelEasy Elite MSIG TravelEasy Premier
Overseas medical coverage S$1 million S$500,000 S$250,000
Trip cancellation S$15,000 S$10,000 S$5,000
Loss/Damage of baggage S$7,500 S$5,000 S$3,000
Price $72 S$51 S$37

Another plan worth considering is the MSIG TravelEasy. This travel insurance covid plan has three tiers – Standard, Elite, and Premier, which offer different coverage in terms of COVID-related medical expenses. This plan includes travel cancellation and postponement reimbursement if one member of your household tests positive for COVID. No matter which plan you purchase, you will also get access to travel and medical assistance.

This plan covers:

  • Travel cancellation
  • Overseas medical expenses due to accidental injuries or onset of sickness
  • Follow-up medical treatment
  • Stolen travel documents
  • Emergency medical evacuation
  • Insolvency of licensed travel operator
  • Delayed departure

Know more about it here.

Tiq Travel Insurance

Tiq Plan Entry Savvy Luxury
Medical expenses incurred overseas S$200,000 S$500,000 S$1 million
Trip cancellation/loss of deposit S$5,000 S$5,000 S$10,000
Baggage delay S$200 (S$100 per 6 hours) S$200 (S$100 per 6 hours) S$200 (S$100 per 6 hours)
Travel delay S$300 (S$50 per 3 hours) S$300 (S$50 per 3 hours) S$500 (S$50 per 3 hours)
Price Starts at S$21 Starts at S$34 Starts at S$38

This travel insurance offers COVID-19 coverage as an add-on rider. Travellers can choose from three tiers namely entry, savvy, and luxury. These tiers can give you much-needed medical coverage if you test for COVID overseas, and it also protects you from additional costs incurred due to loss of deposit, tip postponement, and trip cancellation. Aside from that, this insurance plan also includes a quarantine allowance, and emergency medical evacuation and repatriation.

This plan covers:

  • Medical expenses incurred overseas
  • Trip cancellation and loss of deposit
  • Baggage delay
  • Travel delay
  • 24/7 worldwide emergency travel support
  • coverage for preexisting conditions
  • Covers Cruise to Nowhere
  • Instant claims encashment via PayNow

Get a quote here.

NTUC Travel Insurance

Benefits Classic Deluxe Preferred
Personal accident S$150,000 S$200,000 S$500,000 
Medical expenses overseas S$250,000 S$500,000 S$1 million 
Trip cancellation S$5,000 S$10,000 S$15,000 
Loss/damage to personal belongings S$3,000 S$5,000 S$8,000

COVID Coverage:

Benefits Per insured person Family total
Trip cancellation S$2,000 S$6,000
Trip postponement S$2,000 S$6,000
Trip shortening S$2,000
S$500
S$6,000
S$1,500
Trip disruption S$1,000
S$200
S$5,000
Medical expenses due to covid-19 S$150,000 S$450,000
Emergency medical evacuation S$150,000 S$450,000
Overseas quarantine allowance S$1,400
S$100
S$4,200
S$100

Online insurer NTUC Income has got you covered during your trip. This COVID travel insurance provides you with needed COVID-19 coverage for the first 90 days of your trip. NTUC Travel Insurance COVID plan protects you from common travel inconveniences such as damage to personal belongings, medical expenses, and personal accidents while you’re abroad.

You’re also protected from travel delays. If you’re travelling with your family, you have the option to upgrade to Family Cover to protect your spouse and children.

This plan covers:

  • Trip cancellation, postponement, shortening, and disruption due to COVID-19
  • Medical expenses overseas due to COVID-19
  • Emergency medical evacuation due to COVID-19
  • Overseas quarantine allowance due to COVID-19
  • Personal accident
  • Medical expenses overseas
  • Loss/damage to personal belongings

Get a quote here.

Frequently Asked Questions About Travel Insurance with Covid-19 Cover

Here are some FAQs about buying the best COVID travel insurance in Singapore.

How to choose the best travel insurance with COVID-19 cover

With tons of different options to choose from, looking for the best travel insurance with COVID-19 cover can be quite challenging. Make sure to consider different plans (comprehensive and basic), read through their policy terms, assess your risks (perhaps you have a history of a respiratory problem), know the COVID-19 situation in your destination, and choose a reputable insurer. Do not forget to compare different plans side by side to see which offer suits your needs best.

How to buy COVID-19 travel insurance in Singapore?

Buying insurance in Singapore is easy. Simply go to your chosen insurer’s website and get a quote, then fill up the information needed, pay the amount, and wait for confirmation. You can also contact an insurance agent to help you.

What are the travel insurance policies in Singapore that cover COVID quarantine?

All insurance policies covered in this article namely, Allianz Travel insurance, FWD Travel Insurance + COVID-19 Coverage, AIG Travel Guard Insurance, and AXA Smart Traveller Insurance cover COVID quarantine.

What are the differences between COVID-19 travel insurance and standard travel insurance?

The risks associated with travel cannot be denied, and both standard travel and COVID-travel insurance policies can offset these risks.

Travel insurance focuses on protection for financial expenses, personal belongings, and your well-being. Meanwhile, COVID-19 travel insurance also covers these aforementioned things, with an additional focus on risks associated with COVID-19 contraction such as hospitalisation and quarantine.

Do I need to take a PCR/ART test prior to purchasing travel insurance with COVID-19 coverage?

Usually, a PCR/ART is only required before your departure.

How do I get COVID-19 coverage for my travel insurance?

Ask your chosen provider about the additional policies they have related to COVID-19.

What if I purchased a travel insurance plan but cannot go because of being positive on the COVID test, can I cancel my trip and get a refund?

Yes. Depending on your insurance policy’s terms, you can get a refund for the trip cancellation.

Prior to returning home, what if a traveller tests positive for travelling, what are the available benefits?

Your insurance policy will pay for your hospitalisation and quarantine. Depending on your policy, you can also get a daily hospital cash benefit.

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