Best Annual Travel Insurance 2020

Annual travel insurance plans are a smart and economical option for frequent travellers. Below, you'll be able to compare our top picks out of the 80 thoroughly researched annual travel insurance plans based on where you are planning to go, the benefits you want and your budget.

Cheapest Annual Insurance:
  • Allianz Travel Silver: Maximum trip inconvenience and medical benefits for the price-point
  • The Wise Traveller Secure: Great deal for global trips, as plans cost 45% below average for worldwide coverage
  • ERGO Essential: Good value for money option, cheapest annual plan for ASEAN cover
  • Budget Direct: Cheapest annual travel insurance on the market
  • Etiqa Basic: Modest coverage overall, but has above average personal accident coverage
Best Value Annual Insurance:
  • Allianz Travel Silver: Offers 20-30% higher benefit limits for trip inconvenience benefits like cancellations and delays
  • Direct Asia 200: Good option for families who want affordable plan for travel to Asian or ASEAN regions.
  • FWD Business: Competitive price and generous sports equipment coverage makes it good value for adventurous travellers
  • Aviva Travel Plus: Offers above average S$2,000,000 of medical coverage
  • HL Assurance Enhanced: Offers promotions for hotels and car rentals, saving money on trip overall
  • Wise Traveller: Best value for money for budget travellers, especially for global travellers
Best Coverage & Benefits:
  • Aviva Travel Gold: Offers unlimited medical, hospital and dental cvoerage for sickness and accidents
  • Aviva Prestige: Offers 50-80% higher benefit limits for baggage-related claims and lets you cancel trip for any reason
Best for Pre-Existing Medical Conditions:
  • Income Pre-EX: Offers annual plans that cover pre-existing conditions
Best Annual Insurance for Sports: See why FWD, Etiqa, DBS, Direct Asia & Aviva are our top picks for adventurous travellers

Picking the Best Annual Travel Insurance

We thoroughly researched 80 annual travel insurance products available in Singapore to help you compare and buy a policy that will be the best fit based on your budget, desired coverage and travel habits.

This graph compares the cost of the cheapest annual travel insurance policies for trips within ASEAN in Singapore for 2019

Cheapest Annual Travel Insurance

Our Picks:
Etiqa Tiq Travel Insurance
Etiqa Tiq Travel Insurance
SecureEntryBasicEssential
Premiums From
S$140.00
S$133.90
S$136.00
S$110.40
MedicalS$305,000S$200,000S$50,000S$200,000
Accident/DeathS$205,000$150,000S$50,000S$200,000
CancellationS$10,300$5,000N/AS$10,000
Trip DelayS$1,030$300N/AS$1,000
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • Budget Direct: Use Affinity Code "VALUE5" for an extra 5% off (new customers only)
  • ERGO: 20% off all plans with SGSaver Exclusive Promotion: Get up to S$35 via PayNow

For consumers looking for the cheapest annual travel policies, Etiqa, Wise, Budget Direct and ERGO can be good options to consider. For instance, their basic-tier ASEAN region annual travel insurance plans cost 37-42% less than the basic-tier industry average of S$190.

Budget Direct's Basic plan offers the cheapest annual plans on the market regardless of destination. However, due to its very modest coverage it may only work for consumers whose main priority is cost. For instance, it does not include coverage for trip cancellations or trip delays. However, it does cover injuries due to riots, pandemics and passive war.

The Wise Traveller plan is a great deal for travellers who require worldwide coverage as it costs 45% less than the average for global annual plans, at S$188. It also offers a good balance of medical and trip inconvenience coverage, despite being one of the more restrictive insurers.

Etiqa's Tiq plan is another good choice for travellers who frequently fly outside of Asia as it offers the cheapest rates for global coverage. Furthermore, it is a good option for adventurous travellers since it offers coverage for a myriad of sports and activities like skiing, hiking (up to 3,000 metres) and snorkeling. For a small fee, you can also add modest sports equipment coverage.

ERGO's Essential plan is the cheapest option for travellers who tend to stick around the ASEAN region. Its premium is 42% cheaper than basic plans for ASEAN coverage and it offers modest coverage for a wide array of potential travel inconveniences, such as missed connections, delays, cancellations, medical emergencies and even pregnancy sicknesses. Furthermore, it includes adventurous activity and sports equipment coverage at no extra cost.

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Image\" data-eventlabel=\"ERGO\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ERGO\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsingsaver.link%252Fvc-ergo-ti\"\u003E\u003Cimg alt=\"ERGO\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ergo-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ergo-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/ergo-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: ERGO - 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  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • Budget Direct: Use Affinity Code "VALUE5" for an extra 5% off (new customers only)
  • ERGO: 20% off all plans with SGSaver Exclusive Promotion: Get up to S$35 via PayNow

Premiums & Benefits

InsurerPremiums
  • Value Ratio: 0.93
  • Accident & Death: S$205,000
  • Medical: S$305,000
  • Trip Delay: S$1,030
  • Cancellation: S$10,300
  • Baggage Loss/Damage: S$4,800
  • ASEAN: S$140.00
  • Asia: S$188.00
  • Global: S$188.00
  • Value Ratio: 0.68
  • Accident & Death: S$150,000
  • Medical: S$200,000
  • Trip Delay: S$300
  • Trip Cancellation: S$5,000
  • Baggage Loss/Damage: S$2,000
  • ASEAN: S$133.90
  • Asia: S$141.70
  • Global: S$177.45
  • Value Ratio: 0.11
  • Accident & Death: S$200,000
  • Medical: S$200,000
  • Trip Delays: N/A
  • Cancellation: N/A
  • Baggage Loss/Damage: S$500
  • ASEAN: S$136.00
  • Asia: S$136.00
  • Global: s$172.00
  • Value Ratio: 1.43
  • Accident & Death: S$200,000
  • Medical: S$200,000
  • Trip Delays: S$1,000
  • Cancellation: S$5,000
  • Baggage Loss/Damage: S$3,000
  • ASEAN: S$110.40
  • Asia: S$144.00
  • Global: S$226.40

For consumers looking for the cheapest annual travel policies, Etiqa, Wise, Budget Direct and ERGO can be good options to consider. For instance, their basic-tier ASEAN region annual travel insurance plans cost 37-42% less than the basic-tier industry average of S$190.

Budget Direct's Basic plan offers the cheapest annual plans on the market regardless of destination. However, due to its very modest coverage it may only work for consumers whose main priority is cost. For instance, it does not include coverage for trip cancellations or trip delays. However, it does cover injuries due to riots, pandemics and passive war.

The Wise Traveller plan is a great deal for travellers who require worldwide coverage as it costs 45% less than the average for global annual plans, at S$188. It also offers a good balance of medical and trip inconvenience coverage, despite being one of the more restrictive insurers.

Etiqa's Tiq plan is another good choice for travellers who frequently fly outside of Asia as it offers the cheapest rates for global coverage. Furthermore, it is a good option for adventurous travellers since it offers coverage for a myriad of sports and activities like skiing, hiking (up to 3,000 metres) and snorkeling. For a small fee, you can also add modest sports equipment coverage.

ERGO's Essential plan is the cheapest option for travellers who tend to stick around the ASEAN region. Its premium is 42% cheaper than basic plans for ASEAN coverage and it offers modest coverage for a wide array of potential travel inconveniences, such as missed connections, delays, cancellations, medical emergencies and even pregnancy sicknesses. Furthermore, it includes adventurous activity and sports equipment coverage at no extra cost.

Best Value Annual Travel Insurance Plans Trips in ASEAN and Asia

Our Picks
Direct Asia Insurance - Annual
Direct Asia Insurance - Annual
Silver200BusinessTravel Plus
ASEAN Premium
S$149.00
S$193.20
S$229.50
S$255.00
Asia Premium
S$149.00
S$193.20
S$237.60
S$281.00
Value Ratio1.991.420.901.42
MedicalS$1,000,000S$200,000S$500,000S$2,000,000
Accident/DeathS$80,000S$300,000S$300,000S$100,000
CancellationS$15,000S$10,000$10,000S$15,000
Trip DelayS$1,500S$1,000S$500S$1,000
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

For frequent travellers within the ASEAN and Asia regions, Allianz, Aviva, Direct Asia and FWD will give you the highest value plans.

Due to its low price, Direct Asia's 200 plan is a great choice for consumers who want a budget-focused plan. It is especially competitive among Asian or ASEAN-region annual plans, as it costs S$149, S$100 less than average for those regions. Furthermore, it can be a good option for family travellers because its child limits are the same as adult limits, which is a fairly unique feature among travel insurance plans.

For consumers who want a good balance of both medical and trip inconvenience coverage, Allianz Travel Silver could be a good fit as it offers above average medical, travel delay/cancellation and baggage loss coverage. However, Allianz is quite strict in its exclusions and doesn't cover certain events due to force majeure or adventurous activities (i.e. extreme sports).

FWD's Business plan offers sports equipment coverage as an add-on with higher than average personal accident coverage, making it a good option for frequent sports enthusiast travellers. To get the most for your money, we recommend waiting until FWD offers a promotion between 20-25%, as its current 10% discount makes its pricing less competitive compared to other insurers.

Aviva's Travel Plus plan is one of the highest value plans as it offers competitive pricing along with above average medical and trip inconvenience coverage. However, it has below average baggage coverage compared to Allianz.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Button\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Button\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

Premiums & Benefits

InsurerPremiums
  • Value Ratio: 1.99
  • Accident & Death: S$80,000
  • Medical: S$1,000,000
  • Trip Delay: S$1,500
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$12,000
  • ASEAN: S$193.20
  • Asia: S$193.20
  • Value Ratio: 1.42
  • Accident & Death: S$100,000
  • Medical: S$2,000,000
  • Trip Delays: S$1,000
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
  • ASEAN: S$255.00
  • Asia: S$281.00
  • Value Ratio: 1.42
  • Accident & Death: S$300,000
  • Medical: S$200,000
  • Trip Delay: S$1,000
  • Trip Cancellation: S$10,000
  • Baggage Loss/Damage: S$3,000
  • ASEAN: S$149.00
  • Asia: S$149.00
  • Value Ratio: 0.90
  • Accident & Death: S$300,000
  • Medical: S$500,000
  • Trip Delays:S$500
  • Cancellation: S$10,000
  • Baggage Loss/Damage: S$5,000
  • ASEAN: S$229.50
  • Asia: S$237.60

For frequent travellers within the ASEAN and Asia regions, Allianz, Aviva, Direct Asia and FWD will give you the highest value plans.

Due to its low price, Direct Asia's 200 plan is a great choice for consumers who want a budget-focused plan. It is especially competitive among Asian or ASEAN-region annual plans, as it costs S$149, S$100 less than average for those regions. Furthermore, it can be a good option for family travellers because its child limits are the same as adult limits, which is a fairly unique feature among travel insurance plans.

For consumers who want a good balance of both medical and trip inconvenience coverage, Allianz Travel Silver could be a good fit as it offers above average medical, travel delay/cancellation and baggage loss coverage. However, Allianz is quite strict in its exclusions and doesn't cover certain events due to force majeure or adventurous activities (i.e. extreme sports).

FWD's Business plan offers sports equipment coverage as an add-on with higher than average personal accident coverage, making it a good option for frequent sports enthusiast travellers.

Aviva's Travel Plus plan is one of the highest value plans as it offers competitive pricing along with above average medical and trip inconvenience coverage. However, it has below average baggage coverage compared to Allianz.

Best Value Annual Travel Insurance Plans for Global Trips

Our Picks
Direct Asia Insurance - Annual
Direct Asia Insurance - Annual
PremiumSilver500Plus
Premium
S$215.00
S$259.20
S$239.00
S$346.00
Value Ratio1.542.162.091.52
MedicalS$480,000S$1,000,000S$500,000S$2,000,000
Accident/DeathS$340,000S$80,000S$500,000S$100,000
CancellationS$13,700S$15,000$15,000S$15,000
Trip DelayS$2,000S$1,500S$1,500S$1,000
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

If you often fly outside of Asia and you want to maximise the coverage you get for your dollar, choosing either Allianz, Aviva, Wise Traveller or DirectAsia will ensure you get the most value for your dollar. The plans cost between S$209 and S$346 and have competitive trip inconvenience, medical and personal accident benefits.

If you are worried about trip inconvenience such as trip cancellations and baggage delays, Allianz Travel Silver offers 20-30% higher total coverage than the industry average.

If you want to maximise medical protection, Aviva's Travel Plus offers great above average medical coverage of S$2,000,000 with a comprehensive list of inclusions like burns, war, emergency pregnancy, motorcycle accidents and injury due to smoke, fumes or gas.

Wise Traveller Premium is best for a high value budget plan as it only costs S$215, almost 35% cheaper than the industry average for global annual plans. However, it is known for having fairly strict exclusions so travellers should read the policy wording before purchasing.

Lastly, while DirectAsia has some of the highest value plans for both individual travellers and families thanks to its affordable pricing and generous benefits. Its 500 plan offers everything you need to protect your trip including coverage for missed connections, trip delays, medical emergencies, damage to belongings and rental car excess with coverage limits that are more than high enough to ensure any emergency is covered.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Wise Traveller - Image\" data-eventlabel=\"Wise Traveller\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Wise Traveller\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fthewisetraveller.com%252F131.php\"\u003E\u003Cimg alt=\"Wise Traveller\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Wise Traveller - Button\" data-eventlabel=\"Wise Traveller\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Wise Traveller\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fthewisetraveller.com%252F131.php\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Wise Traveller - Image\" data-eventlabel=\"Wise Traveller\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Wise Traveller\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fthewisetraveller.com%252F131.php\"\u003E\u003Cimg alt=\"Wise Traveller\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/wisetraveller-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Wise Traveller - Button\" data-eventlabel=\"Wise Traveller\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Wise Traveller\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fthewisetraveller.com%252F131.php\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - 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Annual Silver - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Silver - Button\" data-eventlabel=\"Allianz Global Assistance - Annual Silver\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Silver\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass20\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

Premiums & Benefits

InsurerGlobal Trip Premiums
  • Value Ratio: 2.16
  • Accident & Death: S$80,000
  • Medical: S$1,000,000
  • Trip Delay: S$1,500
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$12,000
259.20
  • Value Ratio: 1.52
  • Accident & Death: S$100,000
  • Medical: S$2,000,000
  • Trip Delays: S$1,000
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
346.00
  • Value Ratio: 1.54
  • Accident & Death: S$340,000
  • Medical: S$480,000
  • Trip Delay: S$2,000
  • Cancellation: S$13,700
  • Baggage Loss/Damage: S$4,800
188.00
  • Value Ratio: 2.09
  • Accident & Death: S$500,000
  • Medical: S$500,000
  • Trip Delays: S$1,500
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
239.00

If you often fly outside of Asia and you want to maximise the coverage you get for your dollar, choosing either Allianz, Aviva, Wise Traveller or DirectAsia will ensure you get the most value for your dollar. The plans cost between S$209 and S$346 and have competitive trip inconvenience, medical and personal accident benefits.

If you are worried about trip inconvenience such as trip cancellations and baggage delays, Allianz Travel Silver offers 20-30% higher total coverage than the industry average.

If you want to maximise medical protection, Aviva's Travel Plus offers great above average medical coverage of S$2,000,000 with a comprehensive list of inclusions like burns, war, emergency pregnancy, motorcycle accidents and injury due to smoke, fumes or gas.

Wise Traveller Premium is best for a high value budget plan as it only costs S$215, almost 35% cheaper than the industry average for global annual plans. However, it is known for having fairly strict exclusions so travellers should read the policy wording before purchasing.

Lastly, while DirectAsia has some of the highest value plans for both individual travellers and families thanks to its affordable pricing and generous benefits. Its 500 plan offers everything you need to protect your trip including coverage for missed connections, trip delays, medical emergencies, damage to belongings and rental car excess with coverage limits that are more than high enough to ensure any emergency is covered.

Annual Travel Insurance with the Best Coverage

Our Picks
Gold
Prestige
Premiums from^
287.40
356.00
Value Ratio2.761.79
MedicalUnlimitedUnlimited
Accident/DeathS$100,000S$500,000
CancellationS$25,000S$10,500
Trip DelayS$1,500S$2,000
^Annual premiums for ASEAN trips
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

If you are not restricted by price and want the highest possible coverage, then Allianz and Aviva will give you the greatest protection whether you want maximum medical, travel inconvenience or personal accident coverage.

Allianz Travel Gold is best for those who want medical protection, as it has unlimited medical, hospital and dental coverage for sickness and accidents, S$50,000 for outpatient expenses and S$100,000 in personal accident coverage. However, Allianz has strict exclusions in what they'll pay out for, such as force majeure, trekking, racing and epidemics.

If you travel with expensive belongings and want to make sure they are well protected, Aviva's Prestige plan offers respectively 50% and 80% more baggage-related coverage than the industry average. Another notable perk for Aviva is that you can change or cancel your trip for any reason, although you'll be only be able to claim between S$3,000-S$5,000.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Gold - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Gold\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Gold\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass30\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Gold\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Gold - Button\" data-eventlabel=\"Allianz Global Assistance - Annual Gold\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Gold\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass30\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Gold - Image\" data-eventlabel=\"Allianz Global Assistance - Annual Gold\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Gold\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass30\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Annual Gold\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianztravel-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Annual Gold - Button\" data-eventlabel=\"Allianz Global Assistance - Annual Gold\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Annual Gold\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.allianztravel.com.sg%252Fget-a-quote.html%252F%253Futm_source%253Dvp%2526utm_medium%253Dcpa%2526utm_campaign%253Dvp%2526%2526utm_term%253Dvp-cta-annual%2526p%253D824%2526pc%253Dpass30\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n"],"offsetPercentage":20}
  • Allianz: 20% off Silver, 30% off Gold Plans
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders

Premiums & Benefits

InsurerPremiums
  • Value Ratio: 2.76
  • Accident & Death: S$100,000
  • Medical: Unlimited
  • Trip Delay: S$1,500
  • Cancellation: S$25,000
  • Baggage Loss/Damage: S$15,000
  • ASEAN: 287.40
  • Asia: 287.40
  • Global: 399.60
  • Value Ratio: 1.79
  • Accident & Death: S$500,000
  • Medical: Unlimited
  • Trip Delays: S$2,000
  • Cancellation: S$20,000
  • Baggage Loss/Damage: S$8,000
  • ASEAN: 356.00
  • Asia: 392.00
  • Global: 506.00

If you are not restricted by price and want the highest possible coverage, then Allianz and Aviva will give you the greatest protection whether you want maximum medical, travel inconvenience or personal accident coverage.

Allianz Travel Gold is best for those who want medical protection, as it has unlimited medical, hospital and dental coverage for sickness and accidents, S$50,000 for outpatient expenses and S$100,000 in personal accident coverage. However, Allianz has strict exclusions in what they'll pay out for, such as force majeure, trekking, racing and epidemics.

If you travel with expensive belongings and want to make sure they are well protected, Aviva's Prestige plan offers respectively 50% and 80% more baggage-related coverage than the industry average. Another notable perk for Aviva is that you can change or cancel your trip for any reason, although you'll be only be able to claim between S$3,000-S$5,000.

Best Annual Travel Insurance for Pre-Existing Medical Conditions

Promotion: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50) (excluding Pre-Ex)
BenefitBasicSuperiorPrestige
Medical (for pre-ex conditions)S$100,000S$100,000S$200,000
Personal AccidentS$200,000S$200,000S$200,000
Medical EvacuationUnlimitedUnlimitedUnlimited
Trip CancellationS$10,000S$10,000S$15,000
Trip DelayS$1,500S$1,500S$2,000

If you have pre-existing medical conditions, Income offers a line of travel insurance plans specifically for people with pre-existing conditions. The only caveat is that if you want to purchase the annual plan, you can only do so if you call them directly and you have to be ready to pay a 50% deductible if you file a claim for a reason arising out of a pre-existing condition. However, for travellers with chronic illnesses or other medical conditions that could complicate their trips, Income's annual travel insurance policies are a must-have.

Promotion: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50) (excluding Pre-Ex)
BenefitBasicSuperiorPrestige
Medical (for pre-ex conditions)S$100,000S$100,000S$200,000
Personal AccidentS$200,000S$200,000S$200,000
Medical EvacuationUnlimitedUnlimitedUnlimited
Trip CancellationS$10,000S$10,000S$15,000
Trip DelayS$1,500S$1,500S$2,000

If you have pre-existing medical conditions, Income offers a line of travel insurance plans specifically for people with pre-existing conditions. The only caveat is that if you want to purchase the annual plan, you can only do so if you call them directly and you have to be ready to pay a 50% deductible if you file a claim for a reason arising out of a pre-existing condition. However, for travellers with chronic illnesses or other medical conditions that could complicate their trips, Income's annual travel insurance policies are a must-have.

Annual Travel Insurance with the Best Cover for Sports

Our Picks
Direct Asia Insurance - Annual
Direct Asia Insurance - Annual
Etiqa
Etiqa
200BusinessPlusEconomy
Premiums^
S$149.00
S$229.50
S$255.00
S$217.91
MedicalS$200,000S$500,000S$2,000,000S$500,000
Accident/DeathS$300,000S$300,000SS$100,000S$300,000
CancellationS$10,000S$10,000S$15,000S$10,000
Trip DelayS$1,000S$500S$5,000S$500
^Annual ASEAN plans
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Etiqa: 45% off single-trip and 30% off annual-trip travel insurance; add'tl 10% off on Fridays

If you're planning to pursue high-octane activities like sky-diving or snowboarding while abroad, FWD, Etiqa, DBS, Direct Asia and MSIG are our picks for insurers with the best sports coverage. Additionally, you can also consider Aviva is great choice for sports equipment coverage as you can cover your own or rented winter or water sports equipment for an additional S$5-7.

In general, all of these insurers cover the basic winter, water, outdoor and miscellaneous adventurous activities such as hiking, skiing, scuba diving and sky-diving. However, you should always be sure to read the terms and conditions to make sure your specific activity will be covered. If you would like to read a more in-depth review on travel insurance policies that have generous extreme sports activity coverage, we've written a guide to some of the best policies in the market for this criteria.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-4 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Etiqa: 45% off single-trip and 30% off annual-trip travel insurance; add'tl 10% off on Fridays

Premiums & Benefits

InsurerPremiums
  • Value Ratio: 0.93
  • Accident & Death: S$300,000
  • Medical: S$500,000
  • Trip Delays:S$500
  • Cancellation: S$10,000
  • Baggage Loss/Damage: S$5,000
  • ASEAN: S$229.50
  • Asia: S$237.60
  • Global: S$343.80
  • Value Ratio: 0.79
  • Accident & Death: S$300,000
  • Medical: S$500,000
  • Trip Delays: S$500
  • Cancellation: S$10,000
  • Baggage Loss/Damage: S$3,000
  • ASEAN: S$217.91
  • Asia: S$266.42
  • Global: S$368.06
  • Value Ratio: 1.42
  • Accident & Death: S$300,000
  • Medical: S$210,000
  • Trip Delay: S$1,000
  • Trip Cancellation: S$10,000
  • Baggage Loss/Damage: S$3,000
  • ASEAN: S$149.00
  • Asia: S$149.00
  • Global: S$209.00
  • Value Ratio: 1.54
  • Accident & Death: S$100,000
  • Medical: S$2,000,000
  • Trip Delays: S$1,000
  • Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
  • ASEAN: S$255.00
  • Asia: S$281.00
  • Global: S$346.00
  • Value Ratio: 1.80
  • Accident & Death: S$200,000
  • Medical: S$550,000
  • Trip Delays: S$1,600
  • Cancellation: S$10,000
  • Baggage Loss/Damage: S$5,000
  • ASEAN: S$231.00
  • Asia: S$231.00
  • Global: S$390.00

If you're planning to pursue high-octane activities like sky-diving or snowboarding while abroad, FWD, Etiqa, , Direct Asia and DBS are our picks for insurers with the best sports coverage. Additionally, you can also consider Aviva is great choice for sports equipment coverage as you can cover your own or rented winter or water sports equipment for an additional S$5-7.

In general, all of these insurers cover the basic winter, water, outdoor and miscellaneous adventurous activities such as hiking, skiing, scuba diving and sky-diving. However, you should always be sure to read the terms and conditions to make sure your specific activity will be covered. If you would like to read a more in-depth review on travel insurance policies that have generous extreme sports activity coverage, we've written a guide to some of the best policies in the market for this criteria.

Annual Travel Insurance for Golf

Our Picks
American Express
American Express
BusinessPlusEliteStandard
Premiums^
S$229.50
S$255.00
S$248.00
S$204.00
MedicalS$500,000S$500,000S$2,000,000S$500,000
Baggage LossS$5,000S$5,000S$5,000S$3,000
Own EquipmentS$2,000S$2,000S$1,000S$3,000
RentalsN/AS$500N/AN/A
Unused FeeN/AS$500S$500S$750
Hole-in-1N/AS$1,000S$500S$300
^Annual ASEAN plans
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • MSIG TravelEasy: 20% off Annual Plans

If you frequently travel on golfing trips, you can consider annual plans that offer generous golf benefits. If you're planning to golf, want to make sure that your golf equipment is covered by your travel insurance plan, and wouldn't mind a few perks thrown in such as a credit for an unused green fee or rewards for getting a hole in one, FWD, Aviva, MSIG, American Express and AIG are all examples of insurers that have designed their travel insurance plans with golfers in mind.

If you want basic coverage for just your golfing equipment, FWD offers up to S$2,000 of sports equipment coverage and will cover you up to S$100/day for rentals. Since it doesn't have fully-fledged golf coverage, its low price and benefits makes it a better choice for travellers interested in trying golfing, rather than experienced golfers.

If you're a serious golfer looking for plans with abundant golf-related benefits, plans like Aviva, MSIG and American Express have very comprehensive coverage, which includes equipment (hired and owned), unused green fees and hole in one coverage.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Flogin.aviva.com.sg%252Fgi%252Ftravel%252F%2523%252FgetQuote%253FaffCode%253DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Image\" data-eventlabel=\"MSIG\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003E\u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Image\" data-eventlabel=\"MSIG\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003E\u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD: "VTRAVEL10" for 10% off & enter for a chance to win a BMW 118i M Sport or total cash prizes of S$95,000 this July!
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • MSIG TravelEasy: 20% off Annual Plans

Premiums & Benefits

InsurerPremiums
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$100/day
  • Unused Green Fee: N/A
  • Hole-in-1: N/A
  • ASEAN: S$229.50
  • Asia: S$237.60
  • Global: S$343.80
  • Medical: S$2,000,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$500
  • Unused Green Fee: S$500
  • Hole-in-1: S$1,000
  • ASEAN: S$255.00
  • Asia: S$281.00
  • Global: S$346.00
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$1,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$500
  • Hole-in-1: S$500
  • ASEAN: S$248.00
  • Asia: S$280.00
  • Global: S$388.00
  • Medical: S$210,000
  • Baggage Loss/Damage: S$3,000
  • Owned Equipment: S$3,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$750
  • Hole-in-1: S$300
  • ASEAN: S$204.00
  • Asia: S$236.00
  • Global: S$236.00

If you frequently travel on golfing trips, you can consider annual plans that offer generous golf benefits. If you're planning to golf, want to make sure that your golf equipment is covered by your travel insurance plan, and wouldn't mind a few perks thrown in such as a credit for an unused green fee or rewards for getting a hole in one, FWD, Aviva, MSIG, American Express and AIG are all examples of insurers that have designed their travel insurance plans with golfers in mind.

If you want basic coverage for just your golfing equipment, FWD offers up to S$2,000 of sports equipment coverage and will cover you up to S$100/day for rentals. Since it doesn't have fully-fledged golf coverage, its low price and benefits makes it a better choice for travellers interested in trying golfing, rather than experienced golfers.

If you're a serious golfer looking for plans with abundant golf-related benefits, plans like Aviva, MSIG and American Express have very comprehensive coverage, which includes equipment (hired and owned), unused green fees and hole in one coverage.

Methodology

To arrive at a list of best annual travel insurance products in Singapore, we collected data on hundreds of insurance product offerings by more than 20 insurers in the country. The data we collected regarding benefits and coverage range from personal accident/death, medical, emergency repatriation, trip cancellation, lost or damaged baggage, trip/baggage delays to sports coverage. We also collected pricing information for each product by destination country and compared each plan to its competitors to arrive at our judgments of the plans that offer the best deal for Singapore consumers. For the full list of insurers we used, please see the table below.

In order to arrive at our picks for the top travel insurance plans in Singapore, we examined multiple factors. First, we considered the amount of money one is entitled to receive from the insurer when certain events or accidents occur (i.e. medical and inconvenience). Then, we create a ratio of benefits to cost of insurance to measure how good of a value each product offers. This measure is a proxy for how much an insured person can get for what he pays.

We weighed each benefit area in terms of frequency of claims: travel inconvenience is given a weighting of 60% while personal accident and medical benefit is given a weighting of 40%. According to some studies, about 20% of all flights globally are either canceled or delayed, and this statistic could be significantly higher for tropical regions. As a result, we felt the plans that had high coverage amounts for common occurrences like flight delays were of greater value compared to plans with high coverage for less likely occurrences like repatriation or death. Thus, our value ratio helped to figure out which plans offer the best value to customers based not only on coverage and cost, but also on the likelihood of use.

Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, focusing on insurance. She holds an International Business Management diploma and a B.A. in Economics from New York University. Her prior working experience includes work in the capital markets sector.

Comments and Questions

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