Best Travel Insurance with Covid-19 cover

With the easing of Covid-19 measures and the reopening of borders, have you been bitten by the travel bug yet? If you are planning an upcoming holiday and are looking for travel insurance, here are 6 factors to consider for your travel insurance.

Things to look for when buying travel insurance:

Covid-19 coverage – Especially coverage for trip cancellation, curtailment, and overseas medical expenses.

Travel inconveniences – Flight delay, baggage delay, and travel misconnections.

Automatic policy extension – Option to have policy automatically extended if you are overseas and unable to return as planned due to a covered event.

Personal belongings and important documents – Coverage for loss of laptop, mobile phones, passport, fraudulent credit card usage etc.

Ease of claims – In the event of a claim, how easy will it be to submit a claim?

Affordability – Cost of travel insurance plan.

In this article, we take into consideration these 6 factors and share which is the best travel insurance with Covid-19 coverage for all your travelling needs.

#1 FWD Travel with add-on COVID-19 enhanced travel benefit

FWD Travel (Premium, Business, First) + add-on Covid-19 enhanced travel benefit	Pros Affordably priced add-on Covid-19 enhanced travel benefit High Covid-19 coverage limits for trip cancellation and curtailment (up to $5,000). Can also be claim if you or your travel companion is denied boarding for your public transport due to a failed temperature check or shown covid-19 symptoms and subsequently is diagnosed with Covid-19). A 72 hour waiting period applies. Quarantine and hospitalisation allowance due to Covid-19 is given if insured is quarantined or hospitalised while overseas or upon return to Singapore. Covers up to $200,000 for Covid-19 related medical expenses while overseas and upon return to Singapore. This includes purchase of Antigen Rapid Test (ART) self-test kits used to monitor your recovery progress. Automatic policy extension up to 21 days if diagnosed or in mandatory isolation due to Covid-19 Comprehensive coverage for non-Covid-19 related benefits.	Cons Base FWD Travel insurance plan does not include Covid-19 coverage. Must purchase add-on to get covered.
Promotion: Enjoy exclusive discounts on your FWD Travel Insurance with promo code "IFAST". Get FWD Quote >	An all-rounder travel insurance plan that also covers for Covid-19 coverage (add-on), FWD offers individuals an affordable option for comprehensive travel insurance coverage.

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

Single-trip premiums*	Premium plan	Business plan	First plan
5 day trip to Bangkok	$34.46	$39.89	$44.63
7 day trip to Australia	$46.41	$58.26	$66.95
14 day trip to Francek	$101.34	$108.45	$132.94

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

Promotion: Preferential rates for your FWD travel insurance with promo code "IFAST".

Get FWD Quote here >

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 TravelEasy (Standard, Elite, and Premier)	Pros Travel insurance plan (single trip and annual) automatically includes Covid-19 cover. Coverage of up to $5,000 for trip cancellation and curtailment (can also claim if you or your travel companion is denied boarding for your public transport due to a failed temperature check or shown covid-19 symptoms and subsequently is diagnosed with Covid-19). A 3 day waiting period applies. Broad conditions to claim for trip cancellation and curtailment. Covers for up to $250,000 for medical expenses incurred from Covid-19, and $1,000,000 for non-Covid-19 related medical expenses while overseas. Overseas quarantine allowance ($100/day, up to $1,400) Automatic policy extension up to 14 days if diagnosed or in mandatory quarantine due to Covid-19, or up to 30 days if hospitalised due to a Covid-19 infection. Comprehensive coverage for non-Covid-19 related benefits.	Cons Enhanced Covid-19 coverage only applies to TravelEasy policies purchased from 1 May 2022. Plans purchased before 1 May 2022 will not receive these enhanced Covid-19 benefits. You must purchase your policy more than 3 days before the start of your journey to receive insolvency protection. No hospital allowance due to Covid-19 given. Post-trip medical expenses upon return to Singapore does not cover for Covid-19. Trip postponement benefit limit of up to $1,500 for Covid-19 related claims.
Get MSIG Quote >	MSIG TravelEasy comes inclusive with Covid-19 coverage with broad condition to claim for trip cancellation and curtailments. Suitable for those who may be worried about having to make Covid-19 related trip cancellations.

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

NTUC Income (Classic, Deluxe, Preferred)	Pros Travel insurance plans (single-trip, annual, pre-ex) automatically includes Covid-19 cover. Covers for Covid-19 vaccine complications should you require medical treatment while overseas. Overseas quarantine allowance of up to $1,400. Coverage of up to $2,000 for trip cancellation and curtailment (can also claim if you or your travel companion is denied boarding for your public transport due to a failed temperature check or shown covid-19 symptoms and subsequently is diagnosed with Covid-19). A 3 day waiting period applies. Covers for up to $150,000 for medical expenses incurred from Covid-19 while overseas. Automatic policy extension up to 14 days if diagnosed or in mandatory quarantine due to Covid-19. Comprehensive coverage for non-Covid-19 related benefits.	Cons No hospital allowance due to Covid-19 given. Post-trip medical expenses upon return to Singapore does not cover for Covid-19.
Get NTUC Quote >	NTUC Income's Travel insurance comes embedded with Covid-19 coverage and includes coverage for vaccine-related side effects while overseas. Also automatically includes Covid-19 coverage for pre-existing, annual, and single-trip plans.

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

Sompo Travel (Covid-19) Insurance (Essential and Superior)	Pros Quarantine and hospitalisation allowance given if diagnosed with Covid-19 while overseas. Covers for up to $200,000 for medical expenses incurred from Covid-19 while overseas. Coverage of up to $4,000 for trip cancellation and curtailment. A 14 day waiting period applies. Automatic policy extension up to 14 days if diagnosed or in mandatory quarantine due to Covid-19, or up to 30 days if hospitalised due to a Covid-19 infection. Comprehensive coverage for non-Covid-19 related benefits.	Cons No coverage given if you have to cancel non-refundable local activities such as tours, excursions, shows, sport events, concerts etc. An excess of $100 applies in the event of claims for trip cancellation, postponement, curtailment and disruption. There is a 14 day waiting period for pre-trip benefits (e.g. trip cancellation and postponement). Post-trip medical expenses upon return to Singapore does not cover for Covid-19. Does not cover for TCM, chiropractor expenses incurred.
Get Sompo Quote >	Sompo Travel (Covid-19) Insurance offers one of the highest overseas quarantine and hospitalisation allowance in the event of a Covid-19 diagnosis. Consider this plan if these are your main concerns.

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

AIG Travel Guard (Basic, Standard, Enhanced, Supreme)	Pros Up to $7,500 for trip cancellation and trip disruption due to Covid-19. Quarantine allowance given if diagnosed with Covid-19 while overseas (Enhanced and Supreme plans only). Covers for up to $250,000 for medical expenses incurred from Covid-19 while overseas	Cons Covid-19 trip cancellation coverage conditions are limited and is only claimable if with a positive Covid-19 diagnosis. Post-trip medical expenses upon return to Singapore does not cover for Covid-19. Quarantine allowance claims will be offset against any amount AIG has paid for under travel cancellation, postponement, curtailment and/or interruption in respect of the same event.
Get AIG Quote >	AIG Travel Guard may be suitable if you are planning a costly trip and want a higher trip cancellation benefit with Supreme plans offering a benefit limit of up to $7,500.

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

Great Eastern TravelSmart Premier (Classic and Elite)	Pros Coverage of up to $5,000 for trip cancellation and curtailment. Includes cover for pre-paid, non-refundable entertainment tickets. Overseas medical coverage of up to $150,000 for Covid-19.	Cons Covid-19 cover only for Classic and Elite plans. Covid-19 extension coverage not applicable if you buy this policy after you are diagnosed with Covid-19. Only covers for economy travel tickets. No overseas hospitalisation or quarantine allowance.
Get Great Eastern Quote >	Great Eastern TravelSmart Premier is a travel insurance that offers basic Covid-19 coverage.

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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Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment, General Insurance (Personal and Commercial) from AIG, Allianz, Chubb, Etiqa Insurance, FWD Insurance, Great Eastern, Manulife, NTUC Income, QBE, Sompo and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on FSMOne Insurance