International Travel Insurance Coverage – Best travel insurance in Singapore with Covid-19 cover Traveling during the Pandemic can be stressful. Get in touch with the best travel insurance plans before your trip.
As more countries open up, many Singaporeans are excitedly making holiday plans after nearly three years. However, with all the uncertainty surrounding departures and government regulations, you may be confused about how to book flights and accommodation, especially if they are non-refundable.
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The good news is that travel insurance policies now cover disruptions related to Covid-19. Many also cover if you or your loved ones are diagnosed with Covid-19 before, during or after your trip, giving you peace of mind when booking your next holiday.
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Depending on your destination country, length of trip, and many other factors, insurance premiums can range from tens of dollars to several hundreds. It is always best to strike a balance between the cost of the premium and the coverage you need.
Pay more attention to coverage for out-of-pocket medical expenses. Most home insurance doesn’t cover out-of-pocket expenses, which can easily add up to thousands of dollars in the event of a medical emergency. The cost of medical expenses can also vary greatly depending on where you are, so make sure you factor that in.
Depending on your trip and the purpose of the trip, you can choose to add extras. For example, if you’re an adrenaline junkie, consider getting an adventure and sports plan.
In the current pandemic situation, it is recommended that your plan includes Covid-19 coverage. Covid-19 cover usually includes the following benefits if you or a member of your family have been diagnosed with Covid-19, or are affected by a related disorder:
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Misinformation and fraud are rife these days, and making sure your insurance provider is trustworthy is important to avoid being scammed. There are several steps you can take to ensure the reliability of your insurance provider, such as checking that the agent is authorized by the Monetary Authority of Singapore (MAS), requesting a receipt and checking that the details on the policy document are correct. .
The safest option is to go with a reputable insurance provider with an excellent track record, so you can have peace of mind and be sure that your insurance provider has your back if you run into a problem overseas.
Generally, you can find travel insurance plans with similar coverage but very different costs. While it may be tempting to go with the cheaper option, be sure to check the fine print and reviews first. The company may have a tedious and lengthy claims process or very restrictive rules in the fine print, resulting in many claims being denied. These days, some insurers even offer a paperless claims process for a seamless experience.
Depending on the insurance plan and provider, there may be value-added services and features that may be useful. For example, some insurance providers offer a 24/7 global helpline for dealing with medical treatment and overseas transportation. Others have an app where you can easily view your policy details, track and process claims, find nearby medical facilities, police stations or embassies, and even access medical translation features.
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If you find these other features helpful, check them out when shopping for a travel insurance plan.
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Depending on the country you are traveling to, you may need to meet mandatory Covid-19 travel insurance requirements to enter. For example, Singapore requires all incoming short-term visitors to have travel insurance of at least $30,000 for Covid-19-related medical expenses.
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Here are the estimated premiums and Covid-19 coverage of various travel insurance policies for a 7-day trip to most parts of the world:
Note that the figures above are the most basic plan offered by each travel insurance provider. Many of them also offer plans with higher coverage, but of course with higher premiums.
FWD offers affordable travel insurance with Covid-19 coverage. At $51.60 for a week’s travel to most destinations including the US, the FWD Premium is one of the lowest premiums on this list, but its coverage is also minimal.
The good thing about FWD Premium travel insurance is that the medical expenses and hospital allowance is valid for 14 days after your return, which not all plans offer.
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An affordable travel insurance with Covid-19 coverage is the Klook x MSIG Lite Travel Insurance. At just $34.40 for a one-week trip to Thailand and up to $88 for travel to the US, its premium is comparable to FWD, but the Covid-19 coverage is different.
Although MSIG offers foreign quarantine allowance, the allowances for hospital allowance, medical expenses and travel cancellation or interruption are less than FWD.
Importantly, note that the Covid-19 cover will stop immediately upon return to Singapore, and the plan only covers a maximum travel period of 30 days, with no extensions.
For a comprehensive plan that already includes Covid-19 coverage, consider AIG Travel Guard Basic. Under this policy, a one-week trip to Japan will receive a premium of $68.
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While this plan offers reasonable flexibility, it misses out on some features, namely hospital allowance payments, pre-departure changes to your itinerary and even if you decide to return to Singapore early.
For better overall coverage, you can upgrade to Standard, Advanced or Premium plans. However, note that while these plans have higher deductibles for existing benefits, they do not provide additional benefits such as hospital allowance.
Instead of a supplement, Allianz includes Covid-19 cover in existing travel insurance plans. This means that although its medical expenses are more significant than the other plans above, it does not provide money for travel delay, hospital and quarantine allowance due to Covid-19.
You can get the Allianz Single Trip Bronze plan for $49 for a one-week trip to Thailand, or $112 if you’re traveling to the US.
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For those looking for a more comprehensive plan, including personal accident and trip interruption cover, Allianz also offers two travel insurance policies: Silver and Platinum.
At the time of renewal (November 9, 2022), Allianz is also offering a 12% discount on your travel insurance if you use the promo code “travel12”.
From 1 February 2021, AXA SmartTraveller plans have been updated to better suit the travel needs of Singaporeans. The basic plan, AXA SmartTraveller Essential, costs $157.02 for a week’s travel to most countries and includes the following Covid-19 travel insurance:
Although the cost of Covid-19 medical expenses for the Essential plan is considered low compared to other plans on this list, AXA covers medical expenses incurred for 90 days of your trip, which is very affordable depending on the duration. For more coverage, you may want to consider upgrading to the Comprehensive Plan, which covers up to $150,000 for Covid-19 medical treatment.
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Another feature of the AXA SmartTraveller plan is their flexibility when it comes to travel restriction claims, which includes situations where a relative is suffering from Covid-19 or there is an outbreak of Covid-19 in the destination country.
For a one-week trip to most destinations, the NTUC Comme Classic plan costs $149. In addition to personal accident cover, the Covid-19 travel insurance plan covers:
All NTUC Income travel insurance policies purchased online include Covid-19 cover for the first 90 days of each trip. However, be aware of the exclusions, as they do not include travel disruptions caused by border closures and government advisories.
For additional coverage, you can choose NTUC’s Deluxe or Preferred travel insurance plans. Also, if you’re looking for travel insurance that covers pre-existing conditions, NTUC Income is one of the few providers that offer it. PreX Advanced Travel Insurance starts at $194 for a week’s travel.
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At the time of renewal (November 9, 2022), there is also a 40% promotion on all single trip travel insurance purchased online.
The Sompo Essential plan costs $129 for a week’s travel to most countries in the world and includes the following Covid-19 travel insurance:
In terms of coverage, the Sompo Essential plan has most of the Covid-19 benefits offered by other plans. In addition, travel cancellation, delay and reduction benefits apply not only when you contract Covid-19, but also when your Sompo-insured travel companions are infected.
However, please note that Sompo only covers medical expenses related to Covid-19 for up to 45 days (or until the maximum limit is reached), starting from the first day of your treatment. Medical expenses incurred after 45 days
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