Best Travel Insurance in Singapore (2022): Your Guide to the Best Travel Insurance With COVID-19 Coverage

Before you get ahead of yourself while preparing for that trip to Japan or somewhere closer to home like Thailand, there’s still one important thing you’ll need before you pack your bags.
Travel Insurance.
Aside from safeguarding yourself from travel-related emergencies, it’s important to keep yourself covered for COVID-19 as well.
We have shortlisted the latest travel insurance plans and promotions for you!
Disclaimer: The Information provided by Seedly does not constitute an offer or solicitation to buy or sell any insurance product(s). It does not take into account the specific objectives or particular needs of any person. We strongly advise you to seek advice from a licensed insurance professional before purchasing any insurance products and/or services.
TL;DR: Best Travel Insurance Singapore (2022)
Couple of things to take note of:
- We are using Thailand as the destination country for a 7-day single trip (26 Dec 2022 to 1 Jan 2023)
- The profile used is of a 25-year-old with no existing medical conditions
- The coverages are listed from the most basic plans of each company, you can opt for more coverage at a higher cost
- Premiums listed are without promo codes
- Using the criterion of a 7-day trip to Thailand, we have put together the price and coverage of travel insurance found on MoneySmart and SingSaver’s* insurance comparison platforms.
Here we have compiled a handy list of entry-level travel insurance policies from reputable companies which include COVID-19 medical coverage.
We have also included different coverages that travellers like you would prioritise when choosing the best travel insurance for you and your family.
Click here to jump:
- AIG Travel Insurance
- Allianz Travel Insurance
- AXA Travel Insurance
- Bubblegum Travel Insurance
- FWD Travel Insurance
- Hong Leong Assurance Travel Insurance
- Income Travel Insurance
- Singlife Aviva Travel Insurance
- Sompo Travel Insurance
- Starr Travel Insurance
- Tiq Travel Insurance
Disclaimer: The information provided by Seedly serves as an educational piece and is not intended to be personalised financial advice. Readers should always do their own due diligence and consider their financial goals before investing in any insurance product.
Information is accurate as of 18 November 2022.
*Seedly and SingSaver are companies owned by Hyphen Group.
AIG Travel Insurance
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
AIG Travel Insurance (Standard): S$44 AIG Travel Insurance (Enhanced): S$64 AIG Travel Insurance (Supreme): S$97 |
Medical Coverage (including COVID-19) | AIG Travel Insurance (Standard): S$200,000 AIG Travel Insurance (Enhanced): S$1,000,000 AIG Travel Insurance (Supreme): S$2,500,000 |
Trip Cancellation (including COVID-19) | AIG Travel Insurance (Standard): S$5,000 AIG Travel Insurance (Enhanced): S$10,000 AIG Travel Insurance (Supreme): S$15,000 |
Personal Accident | AIG Travel Insurance (Standard): S$100,000 AIG Travel Insurance (Enhanced): S$200,000 AIG Travel Insurance (Supreme): S$300,000 *Note: No common carrier double cover |
Loss/Damage of Baggage | AIG Travel Insurance (Standard): S$3,000 AIG Travel Insurance (Enhanced): S$5,000 AIG Travel Insurance (Supreme): S$10,000 |
Promotional Code | Receive up to S$50 worth of Dairy Farm e-vouchers when you apply |
Promotional Validity | 30 November 2022 |
Application Links | Apply Now |
The AIG Travel Insurance is, no doubt, one of the plans that have the highest sums assured for overseas medical expenses (including COVID-19 coverage).
It also provides in-hospital cash allowance and COVID-19 overseas quarantine allowance.
Allianz Travel Insurance
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
Allianz Travel Insurance (Bronze): S$49 Allianz Travel Insurance (Silver): S$76 Allianz Travel Insurance (Platinum): S$115 |
Medical Coverage (including COVID-19) | Allianz Travel Insurance (Bronze): S$200,000 Allianz Travel Insurance (Silver): S$500,000 Allianz Travel Insurance (Platinum): S$1,000,000 |
Trip Cancellation (including COVID-19) | Allianz Travel Insurance (Bronze): S$5,000 Allianz Travel Insurance (Silver): S$10,000 Allianz Travel Insurance (Platinum): S$15,000 |
Personal Accident | – |
Loss/Damage of Baggage | Allianz Travel Insurance (Bronze): S$3,000 Allianz Travel Insurance (Silver): S$5,000 Allianz Travel Insurance (Platinum): S$7,000 |
Promotional Code | All successful applicants will be rewarded with S$5 bonus cash via PayNow |
Promotional Validity | 31 December 2022 |
Application Links | Apply Now |
As with other insurance plans, the coverage is comparable (COVID-19 inclusive), and this may be a plan for you if you don’t think you need any coverage for personal accidents.
Allianz Travel Insurance Promo
If you decide that Allianz Travel Insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Apply for this product and score a 1X entry in SingSaver’s Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! (valid till 18 December 2022. T&Cs apply).
AXA Travel Insurance
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
AXA Essential Plan: S$100.18 AXA Comprehensive Plan: S$142.57 |
Medical Coverage (including COVID-19) | AXA Essential Plan: S$300,000 AXA Comprehensive Plan: S$600,000 |
Trip Cancellation (including COVID-19) | AXA Essential Plan: S$6,000 AXA Comprehensive Plan: S$12,000 |
Personal Accident | AXA Essential Plan: S$400,000 AXA Comprehensive Plan: S$700,000 |
Loss/Damage of Baggage | AXA Essential Plan: S$5,000 AXA Comprehensive Plan: S$10,000 |
The AXA travel insurance plans are undoubtedly one of the more expensive options on this list.
While it’s pricier, the coverage is pretty high. But note that it doesn’t have any ongoing promotions.
Bubblegum Travel Insurance
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
~S$28.65 |
Medical Coverage (including COVID-19) | Overseas Hospital Cash: S$1,400 (S$100 per day) Medical Expenses: S$150,000 (up to $100,000 for COVID-19) Follow-up Medical Treatment in Singapore: S$10,000 |
Trip Cancellation (including COVID-19) | S$5,000 |
Personal Accident | S$150,000 |
Loss/Damage of Baggage | S$3,000 |
Promotional Code | 35% off |
For the uninitiated, Bubblegum insurance is offered by MoneySmart and underwritten by India International Insurance Pte Ltd.
Bubblegum’s travel insurance policy is the second most affordable travel insurance policy on this list.
The price for this insurance is even more competitive with the 35% discount.
Amongst all insurance plans, the FWD First Plan is good for those who want a cheap price with a relatively decent amount of coverage.
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
FWD Travel Insurance (Premium): S$30 FWD Travel Insurance (Business): S$40.80 FWD Travel Insurance (First): S$52.80 |
Medical Coverage (including COVID-19) | FWD Travel Insurance (Premium): S$200,000 FWD Travel Insurance (Business): S$500,00 FWD Travel Insurance (First): S$1,000,000 |
Trip Cancellation (including COVID-19) | FWD Travel Insurance (Premium): S$7,500 FWD Travel Insurance (Business): S$10,000 FWD Travel Insurance (First): S$15,000 |
Personal Accident | FWD Travel Insurance (Premium): S$200,000 FWD Travel Insurance (Business): S$300,000 FWD Travel Insurance (First): S$400,000 |
Loss/Damage of Baggage | FWD Travel Insurance (Premium): S$3,000 FWD Travel Insurance (Business): S$50,000 FWD Travel Insurance (First): S$7,500 |
Promotional Code |
— |
Promotional Validity |
— |
Application Links | Apply Now |
Hong Leong Assurance Travel Insurance
The Hong Leong Assurance CovidSafe Travel Protect360 insurance is relatively expensive, from S$79 to S$135, but not without a good reason.
It has three plans with medical coverage ranging from S$250,000 to S$750,000.
Be warned that based on Seedly reviews, the claim process can be really long, but this might vary on a case-by-case basis.
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
Hong Leong Travel Insurance (Enhanced): S$79 Hong Leong Travel Insurance (Superior): S$106 Hong Leong Travel Insurance (Premier): S$135 |
Medical Coverage (including COVID-19) | Hong Leong Travel Insurance (Enhanced): S$250,000 Hong Leong Travel Insurance (Superior): S$500,000 Hong Leong Travel Insurance (Premier): S$750,000 |
Trip Cancellation (including COVID-19) | Hong Leong Travel Insurance (Enhanced): S$7,000 Hong Leong Travel Insurance (Superior): S$12,000 Hong Leong Travel Insurance (Premier): S$15,000 |
Personal Accident | Hong Leong Travel Insurance (Enhanced): S$250,000 Hong Leong Travel Insurance (Superior): S$300,000 Hong Leong Travel Insurance (Premier): S$350,000 |
Loss/Damage of Baggage | Hong Leong Travel Insurance (Enhanced): S$5,000 Hong Leong Travel Insurance (Superior): S$7,000 Hong Leong Travel Insurance (Premier): S$8,000 |
Promotional Code | — |
Promotional Validity | — |
Application Links | Apply Now |
Income Travel Insurance
The NTUC Income Standard Plan has three categories – Classic, Deluxe, and Preferred, with premiums ranging from $61 to $98.
For those who’re looking for high COVID-19 medical coverage, note that all three categories have the same coverage limit, at $150,000.
Details (7-Day Trip to Thailand) | Insurance Type and Cost |
Premiums (before discount) |
NTUC Income Travel Insurance (Classic): S$61 NTUC Income Travel Insurance (Deluxe): S$75 NTUC Income Travel Insurance (Preferred): S$98 |
Medical Coverage (including COVID-19) | NTUC Income Travel Insurance (Classic): S$250,000 NTUC Income Travel Insurance (Deluxe): S$500,000 NTUC Income Travel Insurance (Preferred): S$1,000,000 |
Trip Cancellation (including COVID-19) | NTUC Income Travel Insurance (Classic): S$5,000 NTUC Income Travel Insurance (Deluxe): S$10,000 NTUC Income Travel Insurance (Preferred): S$15,000 |
Personal Accident | NTUC Income Travel Insurance (Classic): S$150,000 NTUC Income Travel Insurance (Deluxe): S$200,000 NTUC Income Travel Insurance (Preferred): S$250,000 |
Loss/Damage of Baggage | NTUC Income Travel Insurance (Classic): S$3,000 NTUC Income Travel Insurance (Deluxe): S$5,000 NTUC Income Travel Insurance (Preferred): S$8,000 |
Promotional Code | Get 40% off all Single Trip Standard Plans |
MSIG Travel Insurance
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
MSIG Travel Insurance (Standard): S$61 MSIG Travel Insurance (Elite): S$81 MSIG Travel Insurance (Premier): S$114 |
Medical Coverage (including COVID-19) | MSIG Travel Insurance (Standard): S$220,000 MSIG Travel Insurance (Elite): S$500,000 MSIG Travel Insurance (Premier): S$1,000,000 |
Trip Cancellation (including COVID-19) | MSIG Travel Insurance (Standard): S$5,000 MSIG Travel Insurance (Elite): S$10,000 MSIG Travel Insurance (Premier): S$15,000 |
Personal Accident | MSIG Travel Insurance (Standard): S$200,000 MSIG Travel Insurance (Elite): S$300,000 MSIG Travel Insurance (Premier): S$400,000 |
Loss/Damage of Baggage | MSIG Travel Insurance (Standard): S$3,000 MSIG Travel Insurance (Elite): S$5,000 MSIG Travel Insurance (Premier): S$7,500 |
Promotional Code | — |
Promotional Validity | — |
Application Links | Apply Now |
MSIG travel insurance has one of the best coverage on this list.
At S$61 for the standard plan, you can get up to S$220,000 for overseas medical coverage, which is comparable to NTUC Income’s Classic coverage of $250,000.
MSIG TravelEasy Promo
If you decide that MSIG TravelEasy insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Apply for this product and score a 1X entry in SingSaver’s Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! (valid till 18 December 2022. T&Cs apply).
Singlife Aviva Travel Insurance
Singlife with Aviva is another contender for affordable travel insurance with good coverage.
At $39.77, you should be able to be covered for up to S$250,000 under the Lite plan.
Details (7-Day Trip to Thailand) | Insurance Type and Cost |
Premiums (before discount) |
Singlife with Aviva Travel Insurance (Lite): S$39.77 Singlife with Aviva Travel Insurance (Plus): S$56.43 Singlife with Aviva Travel Insurance (Prestige): S$78.68 |
Medical Coverage (including COVID-19) | Singlife with Aviva Travel Insurance (Lite): S$250,000 Singlife with Aviva Travel Insurance (Plus): S$2,000,000 Singlife with Aviva Travel Insurance (Prestige): Unlimited |
Trip Cancellation (including COVID-19) | Singlife with Aviva Travel Insurance (Lite): S$5,000 Singlife with Aviva Travel Insurance (Plus): S$15,000 Singlife with Aviva Travel Insurance (Prestige): S$20,000 |
Personal Accident | Singlife with Aviva Travel Insurance (Lite): S$50,000 Singlife with Aviva Travel Insurance (Plus): S$100,000 Singlife with Aviva Travel Insurance (Prestige): S$500,000 |
Loss/Damage of Baggage | Singlife with Aviva Travel Insurance (Lite): S$3,000 Singlife with Aviva Travel Insurance (Plus): S$5,000 Singlife with Aviva Travel Insurance (Prestige): S$8,000 |
Promotional Code | Get $5 via PayNow from SingSaver plus a bonus S$5 via PayNow |
Promotional Validity | 31 December 2022 |
Application Links | Apply Now |
Sompo Travel Insurance
The Sompo travel insurance is a popular choice amongst those with a lower budget.
At $24, you should be able to get covered for up to S$150,000 for medical fees overseas. While its highest coverage is S$400,000 for the Superior plan, its premium remains fairly competitive at S$64.
Details (7-Day Trip to Thailand) | Insurance Type and Cost |
Premiums (before discount) |
Sompo Travel Insurance (Vital): S$24 Sompo Travel Insurance (Essential): S$51 Sompo Travel Insurance (Superior): S$64 |
Medical Coverage (including COVID-19) | Sompo Travel Insurance (Vital): S$150,000 Sompo Travel Insurance (Essential): S$200,000 Sompo Travel Insurance (Superior): S$400,000 |
Trip Cancellation (including COVID-19) | Sompo Travel Insurance (Vital): S$5,000 Sompo Travel Insurance (Essential): S$5,000 Sompo Travel Insurance (Superior): S$10,000 |
Personal Accident | Sompo Travel Insurance (Vital): S$150,000 Sompo Travel Insurance (Essential): S$250,000 Sompo Travel Insurance (Superior): S$500,000 |
Loss/Damage of Baggage | Sompo Travel Insurance (Vital): S$3,000 Sompo Travel Insurance (Essential): S$1,000 Sompo Travel Insurance (Superior): S$1,000 |
Promotional Code | — |
Promotional Validity | — |
Application Links | Apply Now |
Starr Travel Insurance
While its medical coverage jumps quite drastically across the three tiers available, the premiums you will be paying for Starr’s travel insurance do not differ that much.
At S$29, your coverage is up to S$200,000, and with a S$19 difference, your medical coverage can go up to S$1,000,000!
What’s even better is that the company is running a promotion until 30 November, so snap it up quickly before you travel.
Details (7-Day Trip to Thailand) | Insurance Type and Cost |
Premiums (before discount) |
Starr Travel Insurance (Bronze): S$29 Starr Travel Insurance (Silvers): S$38 Starr Travel Insurance (Gold): S$48 |
Medical Coverage (including COVID-19) | Starr Travel Insurance (Bronze): S$200,000 Starr Travel Insurance (Silver): S$500,000 Starr Travel Insurance (Gold): S$1,000,000 |
Trip Cancellation (including COVID-19) | Starr Travel Insurance (Bronze): S$5,000 Starr Travel Insurance (Silver): S$10,000 Starr Travel Insurance (Gold): S$15,000 |
Personal Accident | Not stated |
Loss/Damage of Baggage | Starr Travel Insurance (Bronze): S$3,000 Starr Travel Insurance (Silver): S$5,000 Starr Travel Insurance (Gold): S$7,500 |
Promotional Code |
Use the promo code SSVTL35 to enjoy up to S$48 via PayNow, a 35% discount, plus an exclusive Agoda promo code. In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion
|
Promotional Validity | 30 November 2022 |
Application Links | Apply Now |
Starr Travel Insurance Promo
If you decide that Starr Insurance Travel Insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Apply for this product and score a 1X entry in SingSaver’s Score Big Grand Lucky Draw, where you stand to win your share of over $30,000 worth of exciting prizes! (valid till 18 December 2022. T&Cs apply).
Tiq Travel Insurance
Etiqa is a prominent insurance company in Singapore.
Similar to Starr, the medical coverage across tiers differ quite drastically, but its premium difference is S$47.
Details (7-Day Trip to Thailand) | Insurance Plan and Cost |
Premiums (before discount) |
Tiq Travel Insurance (Entry): S$39 Tiq Travel Insurance (Savvy): S$54 Tiq Travel Insurance (Luxury): S$72 |
Medical Coverage (including COVID-19) | Tiq Travel Insurance (Entry): S$200,000 Tiq Travel Insurance (Savvy): S$500,000 Tiq Travel Insurance (Luxury): S$1,000,000 |
Trip Cancellation (including COVID-19) | Tiq Travel Insurance (Entry): S$5,000 Tiq Travel Insurance (Savvy): S$5,000 Tiq Travel Insurance (Luxury): S$10,000 |
Personal Accident | Tiq Travel Insurance (Entry): S$150,000 Tiq Travel Insurance (Savvy): S$300,000 Tiq Travel Insurance (Luxury): S$500,000 |
Loss/Damage of Baggage | Tiq Travel Insurance (Entry): S$2,000 Tiq Travel Insurance (Savvy): S$2,000 Tiq Travel Insurance (Luxury): S$3,000 |
Promotional Code |
Use promo code TIQSINGSAVER to enjoy 40% off and up to S$20 via PayNow when you apply. In addition, receive S$5 bonus cash via PayNow, on top of the existing promotion.
|
Promotional Validity | 30 November 2022 |
Application Links | Apply Now |
Tiq Travel Insurance Promo
If you decide that Tiq Travel Insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Sign up for this via SingSaver to receive $48 via PayNow from SingSaver plus a bonus of $5 via PayNow. Note that this promotion ends on 30 November 2022 at 11:59PM.
That’s not all.
Plus, apply for this product and score a 1X entry in SingSaver’s Score Big Grand Lucky Draw, where you stand to win your share of over $30,000 worth of exciting prizes! (valid till 18 December 2022. T&Cs apply).
Is It Worth Buying Travel Insurance With COVID-19 Coverage?
Yes!
While the world has begun to open up for travel, COVID-19 is still very real.
Some insurance companies have included COVID-19 coverage in all their plans, while others have it as an add-on.
How Much Should I Be Covered For?
Unfortunately, there’s no magic number here, and the amount of coverage needed really depends on you.
For example, if you’re packing light for a short three-day stay in Thailand, you’ll probably only have a few sets of clothes and the bare essentials.
Would you need to be covered for S$7,000 worth in the case of lost baggage? Probably not…unless you happen to have a luxury Chanel bag in your suitcase.
Like other insurances, a general rule of thumb is to set out what you need in your travel insurance and then look for the most coverage for the lowest cost.
What Coverage Should I Look Out for in COVID-19 Travel?
Aside from the basic coverages that you should look out for, travelling post-pandemic means that you should have a contingency if you or your travel buddies get infected with COVID-19.
Trip Cancellation Coverage

Plans change.
Maybe you’ve encountered something urgent at work, or you’ve been diagnosed with COVID-19 just before your trip.
“What about the air tickets which I already paid for?”
This is where trip cancellation coverage comes in, and you will be given a sum of money should you have to cancel your trip!
Personal Accident Coverage

You’re out to have fun while you’re overseas, so party away!
But while you’re out there enjoying, mishaps may happen, and you could get injured during a snowboarding session, for instance.
To help you rest assured, personal accident coverage will kick in to cover your expenses as you recuperate.
Loss/Damage of Baggage Coverage

It’s just so inconvenient when important things get lost, but it’s not like we can constantly keep an eye out on all our belongings.
You wouldn’t want to drag your heavy suitcase with you on the flight, now would you?
But what happens when your baggage gets lost in transit? You’ll definitely need to get replacements quickly or at least buy some new clothing to replace your lost ones.
Travel insurance will help minimise some of the inconveniences by giving you a sum of money to help replace the things which you have lost!
Frequently Asked Questions (FAQs) Regarding Travel Insurance With COVID-19 Benefits

Need Help With Choosing Travel Insurance Policies?
“OMG, there are so many options to choose from! How do I know which one is good?”
We’re here to help, simply head on over to Seedly Reviews!
With real, unbiased reviews from our community, you no longer have to worry about picking the wrong policy as you get an inside look at issues such as the ease of making claims or customer service.
Why wait? Head on over and find out the best travel insurance policy for you now!
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