Our Top Picks for Travel Insurance 2025

Travelling soon? Travel insurance can be tricky to compare, but the right plan makes all the difference when things do not go as planned for your trip. Whether it is a family holiday, a romantic getaway or an adventurous expedition, we have a plan to cover all your holidays. Here are our picks:

1.      Income Travel

Income Travel insurance is perfect for both planners and last-minute travelers. This is the only insurer that allows you to buy coverage up to a day after departing from Singapore while also allowing advance purchases up to 365 days ahead.

• Only insurer that allows you to purchase travel insurance up to a day after you have departed from Singapore.
• Purchase travel insurance up to 365 days in advance.
• Covers for leisure trekking below 6,000 metres (higher than the average in market).
• Travel insurance for pre-existing condition also available.

🛫Click here to purchase Income Travel insurance

2.      FWD Travel Insurance

FWD Travel Insurance is suitable for those who wants the flexibility of being covered if they cancel their trip for any reason. This plan also provides compensation for travel delays from just 3 hours, and the option to purchase your travel insurance up to 365 days in advance.

• Travel delay benefit starts from just 3 hours delay while overseas (Business & First plans)
• Purchase travel insurance up to 365 days in advance
• Add on “Cancel For Any Reason” to recover 50% of your travel costs incurred when you cancel, postpone or cut short your trip for any reason.
• Enjoy fuss-free claims with claims fileable via the FWD App.
• Option to add on pre-existing medical conditions cover for your travel insurance

🛫Click here to purchase FWD Travel Insurance

3.      MSIG TravelEasy

MSIG TravelEasy has a plan for every budget with four plans available to choose from (Lite, Standard, Elite, Premier). If you are budget conscious, choose a Lite plan that provides minimal coverage at a very low cost but note that this plan lacks benefits such as medical coverage upon return to Singapore, and travel inconvenience cover such as flight delays, and trip cancellation.

• Automatically covers adventurous activities like scuba diving, marathons, ice skating, bungee jumping and hiking up to 3,000 metres above sea level. (Elite and Premier plan only)
• Public transport double cover for accidental death (Elite and Premier plan only)
• Option for a budget-friendly Lite plan. (Note that coverage may be limited for the Lite plan).

🛫Click here to purchase MSIG Travel Easy

4.      Sompo Travel

Sompo Travel is perfect for holidays to Japan with Cashless outpatient service offered exclusively for trips to Japan. Simply call the assistance provider for assistance and receive treatment within the medical facility network with no upfront payment required.

• Cashless outpatient service while travelling in Japan.
• Highest rental vehicle excess cover.
• Higher than average trip postponement benefit of up to $10,000.
• First insurer to cover rental vehicle windscreen and tyres.

🛫Click here to purchase Sompo Travel insurance

5.      QBE Travel Prestige

QBE Travel Prestige plans are ideal for big family holidays or luxury trips that require extra protection with higher-than-average trip cancellation benefits of up to $25,000. Plus, also receive with round-the-clock support via the 24/7 AAI helpline.

• High trip cancellation benefit of up to $25,000.
• Double indemnity for accidental death on a public transport.
• Family coverage available with no limit to number of children included.
• Access to a 24-hour AAI (Asia Assistance International) helpline.

Insurer / Plan Name	Purchase link
Income Enhanced PreX Travel While premiums tend to be higher for Income’s pre-existing travel insurance plan, Income offers the most comprehensive travel insurance plan for those with pre-existing medical conditions. Income is also the only insurer among the three to offer annual plans for pre-existing medical conditions. Available for both single trip (up to 60 days) and annual plans. Lower co-payment required (25% co-payment) for Superior and Prestige plan only. Only the individual with pre-existing condition has to purchase a pre-existing travel insurance plan. Companions may purchase standard travel insurance. Wider scope of coverage offered for pre-existing medical conditions. Can be purchased up to 365 days in advance. To note: Premiums tend to be on the higher side	Click here to purchase Income Enhanced PreX Travel
FWD Travel Insurance + Pre-existing medical condition Flexibility to add-on pre-existing medical coverage to any FWD Travel Insurance plan. Note that pre-existing medical condition coverage is mainly limited to travel inconvenience benefits, medical expenses overseas, and emergency medical evacuation. Add-on available to cover for trip cancellation and loss of deposit, trip postponement, trip cut short, and trip disruption (50% co-payment required) Also covers for medical expenses overseas and emergency medical evacuation and repatriation (coverage ranges from $50,000 to $150,000 dependent on chosen plan). Only the individual with pre-existing condition has to purchase a pre-existing travel insurance plan. Companions may purchase standard travel insurance. To note: Pre-existing medical condition add-on only available for single trip plans for up to 30 days of coverage. Price for add-on coverage will differ by age.	Click here to purchase FWD Travel with pre-existing add-on *Note: You must add on the pre-existing medical condition option to receive coverage for your pre-existing medical condition
MSIG TravelEasy Pre-Ex Receive coverage for overseas medical expenses (inpatient only), and emergency medical evacuation or repatriation for pre-existing medical conditions while overseas. To note: Pre-existing medical condition travel insurance only available for single trip plans for up to 30 days of coverage. Trip extensions are not permitted Covid-19 coverage not available.	Click here to purchase MSIG TravelEasy Pre-Ex

Travel insurance with pre-existing medical condition cover:

Or head to Insure > Travel Insurance and filter by “Pre-existing coverage” to view the plans available and make your purchase.

[CLOSED] It’s a Holi-Yay! 😎 Save as you go when you purchase travel insurance via FSMOne and get up to $15* Cash Account Rewards.

From 29 August to 10 September 2025, purchase any eligible travel insurance plan via FSMOne and receive up to $15* on your purchase! Simply,

Step 1: Purchase travel insurance from any of the eligible insurers:

• FWD Travel Insurance (Single or Annual)
• Income Per-trip Travel insurance (Standard and Enhanced PreX), Income Yearly Travel Insurance
• MSIG TravelEasy (Single Trip or Annual Plan), MSIG TravelEasy Pre-Ex (Single Trip)
• QBE Travel Prestige (Single Trip or Annual Plan)
• Sompo Travel Single Trip and Sompo Travel Annual plan.

Step 2: Complete your payment and fill in our form here to share the details of your purchase with us. Don’t forget to check that your FSMOne account is active to allow us to credit your reward to you.

• New to FSMOne? Click here to register for an account.

⭐The more you purchase, the more reward you will receive! Hurry, this promotion is available for a limited time only.

Number of eligible Travel Insurance policies purchased	Cash Account Reward
1 policy	$3
2 policies	$8
3 or more policies	$15

Current insurer promotions:

FWD Travel Insurance	Income Travel	MSIG TravelEasy	QBE Travel Prestige	Sompo Travel
Use promo code “IFAST” to enjoy preferential rates	55% off single trip. Promotion ends 9 September 2025, 09:00hrs.	60% off single trip. Promotion ends 11 September 2025.	-	50% off single trip. Promotion ends 11 September 2025.