Insurance

The Ultimate Travel Insurance Guide (2019 Edition)

Updated 3 January 2020

  • Phuan Wei Ning
  • |
  • Published on 13 Jun 2019

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 process

Click here for a list of updated promotions and prices


Get Travel Insurance Quote >


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)

Click here for a list of updated promotions and prices


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 prices


Travel 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

Click here for a list of updated promotions and prices


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

Click here for a list of updated promotions and prices


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

Click here for a list of updated promotions and prices


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

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-

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.


Get Travel Insurance Quote >


For specific insurance enquiries, you can contact us here.


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?

An Introduction To International Health Plans

Best Car Insurance Singapore

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