Best Travel Insurance with Covid-19 cover

An all-rounder travel insurance plan, FWD’s plan with Covid-19 add-on offers individuals an affordable option for comprehensive travel insurance coverage. This includes up to $5,000 coverage for trip cancellation and curtailment. Apart from providing coverage in the event of a Covid-19 diagnosis, FWD will also cover if you or your travelling companion is denied boarding for a public transport due to a failed temperature check or show Covid-19 symptoms and is subsequently diagnosed with Covid-19. Do take note that FWD has a 72 hours waiting period for claims related to pre-trip Covid-19 benefits such as trip cancellation and/or postponement.

Additionally, FWD is one of the only insurers to offer Covid-19 quarantine and hospitalisation allowance for both overseas or upon return to Singapore. This provides assurance knowing that we are still covered should we be diagnosed with Covid-19 upon returning to Singapore. FWD will even cover for the purchase of Antigen Rapid Test (ART) self-test kits used to monitor your recovery progress!

FWD also has an automatic policy extension for Covid-19 related conditions of up to 21 days. This means that individuals can have their coverage period extended and would not have to worry about lacking coverage should they be diagnosed with Covid-19 or have to be in mandatory self-isolation due to Covid-19 while overseas. With an automatic policy extension of up to 21 days, this is one of the highest extension period that is offered in the market.

Sample pricing for FWD Travel Insurance with add-on Covid-19 enhanced cover

_{*Premiums shown are with add-on Covid-19 enhanced coverage and are after discounts. Accurate as of 23 May 2022.}

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FWD Travel Insurance also offers comprehensive non-Covid-19 related coverage with high personal accident, medical expenses, and travel inconvenience benefits. Claims can also be easily made online or through the FWD SG mobile application with claims paid out via paynow.

#2 MSIG TravelEasy

MSIG’s TravelEasy now comes embedded with Covid-19 coverage with a trip cancellation benefit of up to $5,000 for Premier plans. Trip cancellation and curtailment conditions are also relatively broad with coverage given in the event of a positive Covid-19 diagnosis, a quarantine or mandatory self-isolation, or if you or your travel companion is denied boarding due to a failed temperature check or display Covid-19 symptoms and subsequently tests positive. Note that a 3 day waiting period applies for pre-trip Covid-19 benefits such as trip cancellation and/or postponement.

MSIG TravelEasy also offers coverage of up to $250,000 for medical expenses incurred overseas due to Covid-19. Both single-trip and annual plans now come automatically included with Covid-19 coverage. An overseas quarantine allowance is also provided at $100 per day, for up to $1,400 if you are quarantined or isolated overseas at a government approved facility. Policy also has an automatic policy extension benefit for up to 14 days if the insured is diagnosed or in mandatory quarantine or up to 30 days if insured is hospitalised overseas due to Covid-19.

Non-Covid-19 related coverage for MSIG TravelEasy is also comprehensive with high personal accident, medical expenses, and travel inconvenience benefits.

#3 NTUC Income Travel

With the recent policy enhancements, NTUC Income travel insurance now offers overseas quarantine allowance for $100 per day, up to a maximum of $1,400. NTUC’s single-trip travel plan, pre-existing travel plan and annual travel insurance plan will also automatically include Covid-19 coverage in their policies.

While the trip cancellation benefit limit is not the highest at $2,000, we feel that the conditions covered are rather broad. This covers for a positive Covid-19 diagnosis, mandatory self-isolation or quarantine, or if if you or your travel companion is denied boarding due to a failed temperature check or display Covid-19 symptoms and subsequently tests positive. Policies have a 3 day waiting period for pre-trip Covid-19 benefits such as trip cancellation and/or postponement.

NTUC's travel insurance also cover your medical expenses if you suffer from vaccine complications and have to seek medical treatment while overseas. Note that this must be a Singapore government approved vaccine and taken in Singapore within the last 30 days. NTUC Income travel insurance plans also offers comprehensive non-Covid-19 related coverage with high personal accident, medical expenses, TCM and chiropractor, and travel inconvenience benefits.

#4 Sompo Travel (Covid-19) Insurance

One of the only insurers to offer both quarantine and hospitalisation while overseas, Sompo’s Travel (COVID-19) Insurance is suitable for you if you are concerned about the availability of these allowance while overseas. For a higher quarantine and hospitalisation allowance limit, opt for Sompo’s Superior plan to receive up to $100 a day, for a maximum of 14 days in the event that you are diagnosed with Covid-19 and have to be isolated or hospitalised.

However, do note that Sompo will require a payable excess of $100 for trip cancellation, postponement, curtailment and disruption benefits. This means that you will have to pay the first $100 of any related claims. Sompo will only cover the amount after the first $100, up to your plan benefit limits.

Sompo also offers up to $500,000 coverage for non-Covid-19 related personal accident limits, making it one of the highest offered in the market.

#5 AIG Travel Guard

With a trip cancellation benefit of up to $7,500 for the Supreme plan, AIG Travel Guard may be suitable if your trip expenses are in the higher range. The quarantine allowance given for AIG Travel Enhanced and Supreme plans are also on the higher end with a benefit of $100 per day, for up to 14 consecutive days given.

However, do note that the conditions to claim for trip cancellation is relatively limited with coverage only given if you or your immediate family tests positive for Covid-19. Coverage will not be given if you are ordered to serve mandatory isolation or are denied boarding. Additionally, the quarantine allowance claims for AIG Travel Guard will be offset against any amount AIG has paid for travel cancellation, postponement, curtailment and/or interruption in respect of the same event.

#6 Great Eastern TravelSmart Premier

Providing coverage for pre-paid, non-refundable entertainment tickets, Great Eastern TravelSmart Premier is suitable for those who may have purchased multiple non-refundable overseas attraction tickets. With the Elite plan offering coverage of up to $5,000 for trip cancellation and disruption, this makes it suitable for individuals who are looking to travel for a specific entertainment event. However, note that Great Eastern’s TravelSmart Premier only covers for economy class travel tickets and therefore will not be suitable for individuals who are looking to travel by business or first class.

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Information is accurate as of 7 June 2022 with changes subjected to the insurer’s discretion.

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