
Table of contents of Best Travel Insurance for...
1. Personal covers 2. Coverage for those above age 70 3. Travel inconveniences and disruption 4. Travel emergencies 5. Fuss-free claims processClick here for a list of updated promotions and prices
Offering high coverage for personal accident and medical expenses, FWD Business plan also reimburses for mobility aids.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Personal accident (below age 70) |
Up to $200,000 |
Up to $300,000 |
Up to $150,000 |
Up to $250,000 |
Up to $200,000 |
Up to $300,000 |
Medical expenses overseas (below age 70) |
Up to $200,000 |
Up to $500,000 |
Up to $150,000 |
Up to $300,000 |
Up to $200,000 |
Up to $500,000 |
Post-trip medical expenses in Singapore (below age 70) |
Up to $6,000 - treatment to be sought within 48 hours from return |
Up to $15,000 - treatment to be sought within 48 hours from return |
Up to $3,000 - treatment to be sought within 3 days from return |
Up to $15,000 - treatment to be sought within 3 days from return |
Up to $5,000 - treatment to be sought within 48 hours from return |
Up to $10,000 - treatment to be sought within 48 hours from return |
Mobility aids |
- |
Up to $500 |
- |
- |
- |
- |
Daily hospital cash while overseas |
Up to $5,000 ($200 per day) |
Up to $8,000 ($200 per day) |
Up to $4,000 ($200 per day) |
Up to $20,000 ($200 per day). If you are in an ICU overseas due to an from an accident, receive $400 per day, up to 5 days |
Up to $10,000 ($200 per 24 hours) |
Up to $15,000 ($200 per 24 hours) |
Daily hospital cash in Singapore |
Up to $1,000 ($100 per day). Daily income doubled if hospitalised in intensive care or in quarantine. |
Up to $1,200 ($100 per day). Daily income doubled if hospitalised in intensive care or in quarantine. |
- |
Up to $2,250 ($50 per day for first 3 days, $150 per day for next 2 weeks) |
Up to $500 ($100 per 24 hours) |
Up to $800 ($100 per 24 hours) |
With the highest protection for those above age 70, FWD provides full terrorism cover and unlimited repatriation and emergency medical evacuation to this age group.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Personal accident (above age 70) |
Up to $40,000 |
Up to $60,000 |
Up to $50,000 |
Up to $50,000 |
Up to $30,000 |
Up to $50,000 |
Medical expenses overseas (above age 70) |
Up to $40,000 |
Up to $100,000 |
Up to $50,000 |
Up to $50,000 |
Up to $30,000 |
Up to $50,000 |
Post-trip medical expenses in Singapore (above age 70) |
Up to $1,200 - treatment to be sought within 48 hours from return |
Up to $3,000 - treatment to be sought within 48 hours from return |
Up to $1,000 - treatment to be sought within 3 days from return |
Up to $2,500 - treatment to be sought within 3 days from return |
Up to $1,000 - treatment to be sought within 48 hours from return |
Up to $3,000 - treatment to be sought within 48 hours from return |
Repatriation/ Emergency medical evacuation (above age 70) |
Unlimited |
Unlimited |
Up to $100,000 (excludes pre-existing conditions) |
Up to $100,000 (includes pre-existing conditions and pregnancy-related complications) |
Up to $1,500,000 |
Up to $1,500,000 |
Terrorism cover (above age 70) |
Full cover |
Full cover |
- |
Up to $250,000 |
Up to $30,000 |
Up to $50,000 |
Note: There is no difference in coverage for those above age 70 unless stated otherwise.
Click here for a list of updated promotions and pricesTravel Joy offers the highest coverage for travel and baggage delays whereas FWD Travel insurance offers high travel misconnection and trip cancellation coverage.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Travel delay |
$100 for every 6 hours of delay, up to $300. Maximum $100 after 6 hours of delay in Singapore. |
$100 for every 6 hours of delay, up to $500. Maximum $100 after 6 hours of delay in Singapore. |
$100 for every 6 hours of delay, up to $1,000. Maximum $100 after 6 hours of delay in Singapore. |
$100 for first full 6 hours of delay and $65 per 4 hours thereafter, up to $1,000. Maximum $100 after 6 hours of delay in Singapore. |
$50 for every 3 hours, up to $300. Maximum $50 after 3 hours of delay in Singapore. |
$50 for every 3 hours, up to $500. Maximum $50 after 3 hours of delay in Singapore. |
Travel misconnection |
$100 for every 6 hours of delay, up to $300 |
$100 for every 6 hours of delay, up to $500 |
Up to $200 if exceeding 6 hours of delay |
Up to $200 if exceeding 6 hours of delay |
$100 for every 6 hours, up to $200 |
$100 for every 6 hours, up to $200 |
Baggage delay |
$150 for every 6 hours of delay overseas, up to $150. $150 after 6h of delay in Singapore. |
$150 for every 6 hours of delay overseas, up to $600. $150 after 6h of delay in Singapore. |
$100 for every 6 hours of delay while overseas, up to maximum of $1,000. $100 after 6 hours of delay while in Singapore. |
$200 for first full 6 hours of delay while overseas and $125 per 4 hours thereafter, up to maximum of $1,000. $200 after 6 hours of delay while in Singapore. |
$100 for every 6 hours, up to $200. Maximum $100 after 6 hours of delay in Singapore. |
$100 for every 6 hours, up to $200. Maximum $100 after 6 hours of delay in Singapore. |
Loss or damage to personal belongings |
Up to $3,000 |
Up to $5,000 |
Up to $3,000 |
Up to $5,000 |
Up to $2,000 |
Up to $3,000 |
Loss of passport, travel documents and theft of money |
Up to $300 |
Up to $600 |
Up to $3,000 |
Up to $3,000 |
Up to $150 for personal money and $250 for personal documents |
Up to $250 for personal money and $500 for personal documents |
Fraudulent personal credit card usage |
Up to $300 |
Up to $600 |
Up to $1,000 |
Up to $1,000 |
- |
- |
Trip cancellation |
Up to $7,500 |
Up to $10,000 |
Up to $5,000 |
Up to $6,000 |
Up to $5,000 |
Up to $10,000 |
Insolvency protection |
Up to $1,000 |
Up to $3,000 |
Up to $5,000 |
Up to $6,000 |
Up to $1,000 |
Up to $3,000 |
Personal liability |
Up to $500,00 |
Up to $750,000 |
Up to $1,000,000 |
Up to $1,000,000 |
Up to $500,000 |
Up to $750,000 |
FWD provides full terrorism cover and unlimited repatriation and emergency medical evacuation.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Repatriation/ Emergency medical evacuation (below age 70) |
Unlimited |
Unlimited |
Up to $600,000 (excludes pre-existing conditions) |
Unlimited (includes pre-existing conditions and pregnancy-related complications) |
Up to $1,500,000 |
Up to $1,500,000 |
Terrorism cover (below age 70) |
Full Cover |
Full Cover |
- |
Up to $250,000 |
Up to $200,000 |
Up to $300,000 |
Automatic policy extension |
7 days |
14 days |
14 days |
14 days |
7 days |
7 days |
24-hours emergency assistance |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Emergency phone charges |
Up to $200 |
Up to $300 |
Up to $100 |
Up to $150 |
Up to $200 |
Up to $200 |
Both FWD Travel Insurance and Etiqa ePROTECT travel offers fuss-free cashless claims.
With FWD, receive claims via Paynow with cashless medical claims available through the use of the FWD Flyer app. Etiqa on the other hand, automates flight delay benefits with instant pay-outs given with just a 3 hours of consecutive delay.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Claims process |
1) Cashless medical treatment with FWD Flyer mobile app. 2) Receive claims payment via Paynow. 3) Claims can be done online or through the FWD Flyer app. |
1) Cashless medical treatment with FWD Flyer mobile app. 2) Receive claims payment via Paynow. 3) Claims can be done online or through the FWD Flyer app. |
Claims can be done through on online form |
Claims can be done through on online form |
Automated flight delay benefit claim and instant pay-out with 3 hours of consecutive delay |
Automated flight delay benefit claim and instant pay-out with 3 hours of consecutive delay |
Maximum length of coverage |
180 days |
180 days |
182 days |
182 days |
182 days |
182 days |
Offering comprehensive coverage at affordable prices, FWD Travel Insurance is our pick for the most cost-effective coverage.
FWD Travel Insurance Premium |
FWD Travel Insurance Business |
Sompo Travel Joy Vital |
Sompo Travel Joy Deluxe |
Etiqa ePROTECT Basic |
Etiqa ePROTECT Economy |
|
Price for a 7 day trip to Thailand before discounts |
$25 |
$34 |
$41 |
$51 |
$40 |
$54 |
Price for a 14 day trip to USA before discounts |
$65 |
$74 |
$124 |
$157 |
$101 |
$139 |
Ongoing promotions* |
Enjoy preferential rates with promo code "IFAST". Get FWD Quote |
- |
- |
|||
Note: Prices shown are before discounts and are rounded down to the nearest whole number. Accurate as of 3 January 2020. Promotions are accurate as of 3 January 2020 with changes subjected to the insurer's discretion.
Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Etiqa Insurance, Manulife, NTUC Income and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on FSMOne Insurance |
Interested to learn more? Check out these articles:
Is An Annual Travel Insurance Worth Purchasing?
Best Cancer Insurance Singapore 2019
I Already Have CPF Life, Do I Still Need Annuities?
