Best Travel Insurance for Seniors 2020

Senior citizens may need more comprehensive travel insurance to cover their medical needs while overseas. However, many insurers tend to severely cut their medical coverage for seniors above the age of 70. To help elderly travellers, we've rounded up the best travel insurance plans for seniors after analysing hundreds of data points from 80 travel insurance plans.

*Please read the important travel updates regarding COVID-19 here.

  • Cheapest Plans for Seniors
  • FWD Premium: Comprehensive medical coverage for competitive premiums
  • Etiqa Basic: Modest medical coverage but offers ongoing promotions that make premiums very affordable
  • HL Assurance Enhanced: Costlier than FWD and Etiqa but offers higher medical coverage
  • Best Value Plans for Seniors
  • Direct Asia 500: Affordable premium option
  • Income Classic: Good option for travellers looking for medical coverage
  • Aviva Plus: Offers flexible cancellation policies and good medical coverage
  • Allianz Travel Silver: High value for money option for those looking for travel inconvenience benefits
  • Best Plans for Medical Coverage
  • Aviva Plus: Doesn't cut coverage for seniors over a certain age
  • Income Superior Pre-Ex: Lets you claim for pre-existing conditions
  • Best Plans for Trip Inconvenience
  • Allianz Gold: Offers highest trip inconvenience coverage on the market
  • Aviva Prestige/Plus: Great options if you want to be able to cancel your trip for any reason

Picking the Best Travel Insurance Plans for Seniors

We researched dozens of travel insurance plans and analysed hundreds of data points to find out the best travel insurance plans for seniors. Compare our top picks based on coverage and price.

This graph compares the price of major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers compare and find the cheapest travel insurance for their trip

Cheapest Travel Insurance for Seniors

Our Picks
Etiqa Tiq Travel Insurance
Etiqa Tiq Travel Insurance
EntryPremiumEnhanced
Global Premium^
S$36.85
S$38.70
S$43.60
Annual ASEAN Premium
S$133.90
S$161.10
S$187.00
Overseas MedicalS$30,000S$40,000S$50,000
Domestic MedicalN/AS$2,000S$1,500
Personal AccidentS$30,000S$30,000S$50,000
Trip CancellationS$5,000S$5,000S$7,000
Baggage LossS$2,000S$3,000S$5,000
^ Premiums shown for 1-week trip
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • HLAS: 60% off + 10% Travel NCD + S$25 Agoda Voucher for Single Plans; 50% off + 10% Travel NCD + S$25/S$50 Agoda Voucher + up to 10% car rental discount for Annual Plans

Regardless of destination and length of coverage, senior travellers who choose Etiqa, FWD or HL Assurance will get the cheapest travel insurance rates.

On the other hand, Etiqa's Tiq plans coverage is more modest with only emergency evacuation and overseas medical coverage available for the Entry plan. However, its ongoing promotions can make it a good option for seniors who are focused on price and are healthy enough to not require high levels of medical coverage. This is especially true for active seniors who also like to go on hikes and do sports while vacationing since Tiq covers adventurous activities. You can also choose to get pre-ex coverage if you are willing to pay the S$60 extra dollars (1-week coverage).

FWD offers more comprehensive medical coverage than Etiqa, with S$40,000 medical expense coverage and S$2,000 of domestic medical coverage for seniors over 70 and costs around S$10 more than Etiqa for a one-week trip. However, it is important to remember that looking at price alone is not a determinant of a good plan. If you are travelling to a country with expensive healthcare, it is better to spend a little more but get better coverage than be stuck with a costly medical bill.

If you are interested in protecting your trip itinerary, HL Assurance offers above average trip cancellation and delay coverage out of its peers and it offers the highest medical expense coverage out of the three, with S$50,000 of coverage. However, it is one of the more pricier options out of the 3 for annual plans, costing S$187 for an annual ASEAN plan.

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  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • HLAS: 60% off + 10% Travel NCD + S$25 Agoda Voucher for Single Plans; 50% off + 10% Travel NCD + S$25/S$50 Agoda Voucher + up to 10% car rental discount for Annual Plans
InsurerPremiums
  • Medical (Int'l): S$40,000
  • Medical (SG): S$2,000
  • Personal Accident: S$40,000
  • Trip Cancellation: S$7,500
  • Baggage Loss/Damage: S$3,000
  • 1-Week Global: S$38.70
  • Annual ASEAN: S$161.10
  • Medical (Int'l): S$30,000
  • Medical (SG): N/A
  • Personal Accident: S$30,000
  • Trip Cancellation: S$5,000
  • Baggage Loss/Damage: S$2,000
  • 1-Week Global: 36.85
  • Annual ASEAN: 133.90
  • Medical (Int'l): S$50,000
  • Medical (SG): S$1,500
  • Personal Accident: S$50,000
  • Trip Cancellation: S$7,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 43.60
  • Annual ASEAN: 187.00

Regardless of destination and length of coverage, senior travellers who choose Etiqa, FWD or HL Assurance will get the cheapest travel insurance rates.

On the other hand, Etiqa's Tiq plans coverage is more modest with only emergency evacuation and overseas medical coverage available for the Entry plan. However, its ongoing promotions can make it a good option for seniors who are focused on price and are healthy enough to not require high levels of medical coverage. This is especially true for active seniors who also like to go on hikes and do sports while vacationing since Tiq covers adventurous activities. You can also choose to get pre-ex coverage if you are willing to pay the S$60 extra dollars (1-week coverage).

FWD offers more comprehensive medical coverage than Etiqa, with S$40,000 medical expense coverage and S$2,000 of domestic medical coverage for seniors over 70 and costs around S$10 more than Etiqa for a one-week trip. However, it is important to remember that looking at price alone is not a determinant of a good plan. If you are travelling to a country with expensive healthcare, it is better to spend a little more but get better coverage than be stuck with a costly medical bill.

If you are interested in protecting your trip itinerary, HL Assurance offers above average trip cancellation and delay coverage out of its peers and it offers the highest medical expense coverage out of the three, with S$50,000 of coverage. However, it is one of the more pricier options out of the 3 for annual plans, costing S$187 for an annual ASEAN plan.

Best Value Travel Insurance for Seniors

Our Picks
Direct Asia Insurance - Single
Direct Asia Insurance - Single
500PlusClassicSilver
Global Premium^
S$57.78
S$68.32
S$49.80
S$57.00
Annual ASEAN Premium
S$185.00
S$255.00
S$214.40
S$193.20
Overseas MedicalS$250,000S$2,000,000S$250,000S$125,000
Domestic MedicalS$12,500S$50,000S$1,000S$2,500
Personal AccidentS$250,000S$20,000S$100,000S$40,000
Trip CancellationS$15,000S$15,000S$5,000S$5,000
Baggage LossS$5,000S$5,000S$5,000S$12,000
^ Premiums shown for 1-week trip
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Income: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50)
  • Allianz: 20% off Silver, 30% off Gold Plans

If you want to gain the most from your travel insurance, high value plans like Aviva, Direct Asia, Income and Allianz Travel offer the most coverage per dollar of premium for seniors due to their generous medical coverage and solid trip inconvenience coverage. Aviva Plus, Direct Asia 500 and Allianz Silver, specifically, offer competitive pricing that is below average with premiums that are 15-40% below their peers. At the same time, they offer above average medical expense coverage and trip inconvenience coverage.

Direct Asia is a good option if you are on a tight budget but you are still looking for more coverage than what typical budget travel insurance plans offer. The 500 plan is a top-tier plan that provides generous trip inconvenience coverage and can be a good option for multigenerational families since kids are covered for free and grandparents receive fairly generous coverage thanks to DirectAsia's already high coverage limits.

Aviva and Income (not the Pre-X plans) are good options for active or medically-focused senior travellers due to Aviva's flexible cancellation policies and Income's high medical benefits. For travellers looking for a high value budget plan, Income Classic offers the highest value out of budget-tiered plans. It is affordable and provides coverage limits high enough for the over 70 to compete with mid and even top-tier plans. In the same vein, Aviva is a high level mid-tier plan that offers very generous limits for medical coverage (the highest on the market for seniors over 70 years of age).

Allianz Travel is a good option for travel inconvenience coverage as it offers up to S$15,000 of trip cancellation coverage and S$12,000 of baggage loss coverage and can work for seniors who travel with expensive belongings.

{"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: 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=\"Direct Asia Insurance - Single\" 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 - Single\" 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: Income - Image\" data-eventlabel=\"Income\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\u003E\u003Cimg alt=\"Income\" 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\/ntuc-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\/ntuc-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\/ntuc-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: Income - Button\" data-eventlabel=\"Income\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\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: Income - Image\" data-eventlabel=\"Income\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\u003E\u003Cimg alt=\"Income\" 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\/ntuc-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\/ntuc-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\/ntuc-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: Income - 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Single\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Single\" 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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Single - Image\" data-eventlabel=\"Allianz Global Assistance - Single\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Single\" 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 - Single - Button\" data-eventlabel=\"Allianz Global Assistance - Single\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%2526pc%253Dpass20\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Income: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50)
  • Allianz: 20% off Silver, 30% off Gold Plans
InsurerPremiums
  • Medical (Int'l): S$2,000,000
  • Medical (SG): S$50,000
  • Personal Accident: S$100,000
  • Trip Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 68.32
  • Annual ASEAN: 255.00
  • Medical (Int'l): S$250,000
  • Medical (SG): S$12,500
  • Personal Accident: S$250,000
  • Trip Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 57.78
  • Annual ASEAN: 185.00
  • Medical (Int'l): S$250,000
  • Medical (SG): S$1,000
  • Personal Accident: S$100,000
  • Trip Cancellation: S$5,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 49.80
  • Annual ASEAN: 214.40
  • Medical (Int'l): S$125,000
  • Medical (SG): S$2,500
  • Personal Accident: S$40,000
  • Trip Cancellation: S$15,000
  • Baggage Loss/Damage: S$12,000
  • 1-Week Global: 57.00
  • Annual ASEAN: 193.20

If you want to gain the most from your travel insurance, high value plans like Aviva, Direct Asia, Income and Allianz Travel offer the most coverage per dollar of premium for seniors due to their generous medical coverage and solid trip inconvenience coverage. Aviva Plus, Direct Asia 500 and Allianz Silver, specifically, offer competitive pricing that is below average with premiums that are 15-40% below their peers. At the same time, they offer above average medical expense coverage and trip inconvenience coverage.

Direct Asia is a good option if you are on a tight budget but you are still looking for more coverage than what typical budget travel insurance plans offer. The 500 plan is a top-tier plan that provides generous trip inconvenience coverage and can be a good option for multigenerational families since kids are covered for free and grandparents receive fairly generous coverage thanks to DirectAsia's already high coverage limits.

Aviva and Income (not the Pre-X plans) are good options for active or medically-focused senior travellers due to Aviva's flexible cancellation policies and Income's high medical benefits. For travellers looking for a high value budget plan, Income Classic offers the highest value out of budget-tiered plans. It is affordable and provides coverage limits high enough for the over 70 to compete with mid and even top-tier plans. In the same vein, Aviva is a high level mid-tier plan that offers very generous limits for medical coverage (the highest on the market for seniors over 70 years of age).

Allianz Travel is a good option for travel inconvenience coverage as it offers up to S$15,000 of trip cancellation coverage and S$12,000 of baggage loss coverage and can work for seniors who travel with expensive belongings.

Best Medical Coverage Travel Insurance

Our Picks
Prestige
Pre-Ex Superior
GlobalPremium^
S$99.88
S$189.00
Annual ASEAN Premium
S$356.00
Call for Quote
Overseas MedicalUnlimitedS$300,000
Domestic MedicalS$50,000S$2,000
Personal AccidentS$100,000S$100,000
Trip CancellationS$20,000S$10,000
Baggage LossS$8,000S$5,000
^ Premiums are for 1-week trip
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Income: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50)

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and Income have some of the most lenient coverages when it comes to medical claims.

If you are on a tight budget but still want a plan that provides ample medical coverage, Aviva is a clear winner as it doesn't cut domestic medical, international medical and personal accident coverage for elderly policyholders. It also offers a variety of medical benefits including dental expenses, emergency telephone expenses, quarantine and hospital visit expenses.

If you are travelling with pre-existing conditions, Income's Pre-X is one of the three insurers who will let you claim for medical expenses arising from your pre-existing conditions. Its Pre-X plans let you claim for medical expenses due to your pre-existing condition while abroad and continue treatment once back home in Singapore. You can also claim your medical expenses either under travel inconvenience (i.e. you had to cancel your trip due to a pre-existing condition), although that comes with a 50% co-payment. Lastly, you'll receive other benefits like travel agency insolvency, repatriation and missed connections coverage. However, you should note that annual Pre-X policies can only be purchased over the phone.

{"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: 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: Income - Image\" data-eventlabel=\"Income\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\u003E\u003Cimg alt=\"Income\" 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\/ntuc-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\/ntuc-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\/ntuc-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: Income - Button\" data-eventlabel=\"Income\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\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: Income - Image\" data-eventlabel=\"Income\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\u003E\u003Cimg alt=\"Income\" 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\/ntuc-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\/ntuc-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\/ntuc-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: Income - Button\" data-eventlabel=\"Income\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Income\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.tagserve.sg%252FclickServlet%253FAID%253D1301%2526MID%253D193%2526PID%253D229%2526SID%253D1909%2526CID%253D3973%2526LID%253D1246%2526SUBID%253D%2527%2Btarget%253D%2527_blank%2527\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Income: 20% off Annual Plans; 40% off Single Trips + Hello Kitty umbrella* for first 300 customers (*min. purchase S$50)
InsurerPremiums
  • Medical (Int'l): S$2,000,000
  • Medical (SG): S$3,000
  • Personal Accident: S$100,000
  • Trip Cancellation: S$15,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 68.32
  • Annual ASEAN: 255.00
  • Medical (Int'l): S$300,000
  • Medical (SG): S$2,000
  • Personal Accident: S$100,000
  • Trip Cancellation: S$10,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 189.00
  • Annual ASEAN: Call for quote

Most travel insurance companies cut coverage if you or someone you are insuring is over the age of 70. However, Aviva and NTUC have some of the most lenient coverages when it comes to medical claims.

If you are on a tight budget but still want a plan that provides ample medical coverage, Aviva is a clear winner as it doesn't cut domestic medical, international medical and personal accident coverage for elderly policyholders. It also offers a variety of medical benefits including dental expenses, emergency telephone expenses, quarantine and hospital visit expenses.

If you are travelling with pre-existing conditions, Income's Pre-X is one of the three insurers who will let you claim for medical expenses arising from your pre-existing conditions. Its Pre-X plans let you claim for medical expenses due to your pre-existing condition while abroad and continue treatment once back home in Singapore. You can also claim your medical expenses either under travel inconvenience (i.e. you had to cancel your trip due to a pre-existing condition), although that comes with a 50% co-payment. Lastly, you'll receive other benefits like travel agency insolvency, repatriation and missed connections coverage. However, you should note that annual Pre-X policies can only be purchased over the phone.

Best Trip Inconvenience Coverage

Our Picks
Prestige
Gold
Global Premium^
S$99.88
S$82.80
Annual ASEAN Premium
S$356.00
S$287.40
Medical (Int'l)UnlimitedS$150,000
Medical (SG)S$80,000S$5,000
Personal AccidentS$100,000S$50,000
Trip CancellationS$20,000S$25,000
Baggage LossS$8,000S$15,000
^ Premiums are for 1-week trip
  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Allianz: 20% off Silver, 30% off Gold Plans

If you are looking for maximum peace of mind regarding your itinerary and baggage, Allianz and Aviva's travel insurance plans may be a great fit.

If your budget is not restricted, Allianz Travel's Gold plan offers the highest trip inconvenience coverage on the market with S$25,000 of trip cancellation coverage, S$1,500 trip delay coverage and S$15,000 of baggage loss/damage coverage. If you are willing to sacrifice some of the limits in exchange for more affordable prices, you can opt for Allianz's Silver plan. It is still a very solid plan with S$12,000 of baggage loss or damage coverage, S$15,000 of trip cancellation, and S$15,000 of trip postponement coverage.

If you care more about flexibility rather than coverage amounts, Aviva's Prestige and Plus travel insurance plans are great choices as they let you cancel your trip or change your travel dates for any reason and offers up to S$8,000 of baggage loss and S$3,000 of theft coverage. To get the best value, we recommend you look at the Prestige plan, as it costs below average for top-tier plans. However, regardless of the plan, Aviva is quite expensive so it may not be the best fit for travellers on a tight budget.

{"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: 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: Allianz Global Assistance - Single - Image\" data-eventlabel=\"Allianz Global Assistance - Single\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Single\" 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 - Single - Button\" data-eventlabel=\"Allianz Global Assistance - Single\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%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 - Single - Image\" data-eventlabel=\"Allianz Global Assistance - Single\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" 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%2526utm_term%253Dvp-cta-single%2526p%253D818%2526pc%253Dpass20\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Single\" 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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  • Aviva: "TRAVEL18" for 18% off Single Trips; addt'l 30% off MINDEF & MHA policyholders
  • Allianz: 20% off Silver, 30% off Gold Plans
InsurerPremiums
  • Medical (Int'l): Unlimited
  • Medical (SG): S$80,000
  • Personal Accident: S$500,000
  • Trip Cancellation: S$20,000
  • Baggage Loss/Damage: S$8,000
  • 1-Week Global: 99.88
  • Annual ASEAN: 356.00
  • Medical (Int'l): S$150,000
  • Medical (SG): S$5,000
  • Personal Accident: S$50,000
  • Trip Cancellation: S$25,000
  • Baggage Loss/Damage: S$15,000
  • 1-Week Global: 82.80
  • Annual ASEAN: 287.40

on_current="true" title="Editor's Review" style="article" open="true""

If you are looking for maximum peace of mind regarding your itinerary and baggage, Allianz and Aviva's travel insurance plans may be a great fit.

If your budget is not restricted, Allianz Travel's Gold plan offers the highest trip inconvenience coverage on the market with S$25,000 of trip cancellation coverage, S$1,500 trip delay coverage and S$15,000 of baggage loss/damage coverage. If you are willing to sacrifice some of the limits in exchange for more affordable prices, you can opt for Allianz's Silver plan. It is still a very solid plan with S$12,000 of baggage loss or damage coverage, S$15,000 of trip cancellation, and S$15,000 of trip postponement coverage.

If you care more about flexibility rather than coverage amounts, Aviva's Prestige and Plus travel insurance plans are great choices as they let you cancel your trip or change your travel dates for any reason and offers up to S$8,000 of baggage loss and S$3,000 of theft coverage. To get the best value, we recommend you look at the Prestige plan, as it costs below average for top-tier plans. However, regardless of the plan, Aviva is quite expensive so it may not be the best fit for travellers on a tight budget.

Travel & COVID-19 Updates

As of June 15, 2020, all Singaporeans are advised to avoid travel. Several countries are experience increasing rates of infection and may be risky for travel. However, there is an exception for essential business and official travel operating under the Green/Fast Lane arrangements. Furthermore, please note that if you are planning a trip and have recently bought a travel insurance policy, you may not be eligible for claims related to Covid-19. Furthermore, upon return to Singapore, you will be require to serve a mandatory Stay-Home Notice (SHN) as well as a test.

Please note as of July 19th, 2020, travellers who stayed the past 14 days in Australia (besides Victoria), Brunei Darussalam, Macao SAR, mainland China, New Zealand, South Korea, Taiwan and Vietnam no longer need to serve their SHN at an SHN Dedicated Facility. Instead, Singaporean citizens and permanent residents can serve their 14 day SHN at home. To learn more please click here.

Methodology

To find the best travel insurance plans for seniors, we analysed pricing and coverage from over 100 different travel insurance plans. We took into consideration medical coverage for seniors who are over 70, whether there were any benefits that were excluded for seniors over a certain age as well as trip cancellation benefits. We also looked into plans that offered pre-existing conditions, since there is a higher chance that this segment of travellers will want coverage for ongoing medical conditions. Lastly, we looked at price. Since senior travellers may be retired and without a steady income stream, we wanted to find plans that were affordable in addition to providing useful benefits.

Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, focusing on insurance. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

Comments and Questions

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