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.

  • 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
BasicPremiumEnhanced
Global Premium^
28.64
S$30.96
43.60
Annual ASEAN Premium
133.25
S$128.88
187.00
Medical (Int'l)S$30,000S$40,000S$50,000
Medical (SG)S$3,000S$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: "BESTTRAVEL28" for 28% off
  • Etiqa: 56% off single-trip and 35% off annual-trip travel insurance; add'tl 10% off on Fridays
  • HLAS: 60% off + 10% Travel NCD + S$20 Agoda Voucher for Single Plans; 50% off + 10% Travel NCD + S$20/S$50 Agoda Voucher + up to 10% car rental discount for Annual Plans

Regardless of destination and length of coverage, the cheapest travel insurance plans for seniors are Etiqa, FWD and HL Assurance, as premiums for their basic plans from these insurers cost between 25-35% below average.

Etiqa and FWD can be good cheap options for Asia and ASEAN trips, costing around S$20-25 for a one-week trip. 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.

On the other hand, Etiqa's coverage is more modest with a total of S$31,000 of international and domestic medical coverage for its basic 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.

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, costing S$187 for an annual ASEAN plan.

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Button\" data-eventlabel=\"Etiqa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.etiqa.com.sg%252Fonline%252Fquotation%252FePROTECT-travel-insurance%253Futm_source%253DValuePenguin%2526utm_medium%253DAffiliatePartner\"\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: FWD - Image\" data-eventlabel=\"FWD\" rel=\"noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\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-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\/fwd-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\/fwd-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: 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=\"noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\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-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\/fwd-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\/fwd-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: 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: Hong Leong Group - Image\" data-eventlabel=\"Hong Leong Group\" rel=\"noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect?link=https%3A%2F%2Fwww.hlas.com.sg%2Fhlasredirect.aspx%3Freferral%3DVPI%26subagentcode%3D%26type%3DTravel\"\u003E\u003Cimg alt=\"Hong Leong Group\" 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\/hlassurance-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\/hlassurance-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\/hlassurance-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: Hong Leong Group - 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  • FWD: "BESTTRAVEL28" for 28% off
  • Etiqa: 56% off single-trip and 35% off annual-trip travel insurance; add'tl 10% off on Fridays
  • HLAS: 60% off + 10% Travel NCD + S$20 Agoda Voucher for Single Plans; 50% off + 10% Travel NCD + S$20/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$30.96
  • Annual ASEAN: S$128.88
  • Medical (Int'l): S$40,000
  • Medical (SG): S$2,000
  • Personal Accident: S$30,000
  • Trip Cancellation: S$5,000
  • Baggage Loss/Damage: S$2,000
  • 1-Week Global: 28.64
  • Annual ASEAN: 133.25
  • 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, the cheapest travel insurance plans for seniors are Etiqa, FWD and HL Assurance, as premiums for their basic plans from these insurers cost between 25-35% below average.

Etiqa and FWD can be good cheap options for Asia and ASEAN trips, costing around S$20-25 for a one-week trip. 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.

On the other hand, Etiqa's coverage is more modest with a total of S$31,000 of international and domestic medical coverage for its basic 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.

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 four, with S$50,000 of coverage. However, it is one of the more pricier options out of the 4, costing S$187 for an annual ASEAN plan.

Best Value Travel Insurance for Seniors

Our Picks
Plus500ClassicSilver
Global Premium^
60.51
57.78
45.65
68.40
Annual ASEAN Premium
255.00
185.00
268.00
231.84
Medical (Int'l)S$2,000,000S$250,000S$250,000S$125,000
Medical (SG)S$3,000S$12,500S$2,000S$2,500
Personal AccidentS$100,000S$250,000S$100,000S$40,000
Trip CancellationS$15,000S$15,000S$5,000S$15,000
Baggage LossS$5,000S$5,000S$5,000S$12,000
^ Premiums shown for 1-week trip
  • Aviva: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Income: 45% off + every policy purchaser gets a KT umbrella for Standard Single Trip Plans
  • Allianz: 48% off Gold Plans; 28% off Silver & Bronze 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, as its 500 plan is cheaper than the Aviva and Allianz equivalents, with a global trip costing S$62.

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. However, Income can become pricey quickly, so it may not work for seniors who are looking for budget plans.

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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" rel=\"noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\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-3\" 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-3 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-3 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: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRS\"\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: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" rel=\"noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\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-3\" 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-3 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-3 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: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsecure.directasia.com%252Ftravel%252Fquote%252Fstart%253Futm_source%253DValuePenguin%2526utm_medium%253Dreferral%2526utm_campaign%253DVPTRS\"\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: NTUC - Image\" data-eventlabel=\"NTUC\" rel=\"noopener\" target=\"_blank\" title=\"NTUC\" href=\"\/redirect?link=https%3A%2F%2Fwww.tagserve.sg%2FclickServlet%3FAID%3D1301%26MID%3D193%26PID%3D229%26SID%3D1909%26CID%3D3973%26LID%3D1246%26SUBID%3D%27+target%3D%27_blank%27\"\u003E\u003Cimg alt=\"NTUC\" 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: NTUC - 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Button\" data-eventlabel=\"NTUC\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC\" 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","\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=\"noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianztravel.com.sg%2Fget-a-quote.html%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dgold48\"\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=\"noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianztravel.com.sg%2Fget-a-quote.html%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dgold48\"\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%253Dgold48\"\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: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Income: 45% off + every policy purchaser gets a KT umbrella for Standard Single Trip Plans
  • Allianz: 48% off Gold Plans; 28% off Silver & Bronze Plans
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: 60.51
  • 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$2,000
  • Personal Accident: S$100,000
  • Trip Cancellation: S$5,000
  • Baggage Loss/Damage: S$5,000
  • 1-Week Global: 45.65
  • Annual ASEAN: 268.00
  • 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: 68.40
  • Annual ASEAN: 231.84

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, as its 500 plan is cheaper than the Aviva and Allianz equivalents, with a global trip costing S$62.

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. However, Income can become pricey quickly, so it may not work for seniors who are looking for budget plans.

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
Plus
Pre-Ex Superior
GlobalPremium^
60.51
189.00
Annual ASEAN Premium
255.00
Call for Quote
Medical (Int'l)S$2,000,000S$300,000
Medical (SG)S$3,000S$2,000
Personal AccidentS$100,000S$100,000
Trip CancellationS$15,000S$10,000
Baggage LossS$5,000S$5,000
^ Premiums are for 1-week trip
  • Aviva: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Income: 45% off + every policy purchaser gets a KT umbrella for Standard Single Trip Plans

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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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: NTUC - Image\" data-eventlabel=\"NTUC\" rel=\"noopener\" target=\"_blank\" title=\"NTUC\" href=\"\/redirect?link=https%3A%2F%2Fwww.tagserve.sg%2FclickServlet%3FAID%3D1301%26MID%3D193%26PID%3D229%26SID%3D1909%26CID%3D3973%26LID%3D1246%26SUBID%3D%27+target%3D%27_blank%27\"\u003E\u003Cimg alt=\"NTUC\" 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: NTUC - Button\" data-eventlabel=\"NTUC\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC\" 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: NTUC - Image\" data-eventlabel=\"NTUC\" rel=\"noopener\" target=\"_blank\" title=\"NTUC\" href=\"\/redirect?link=https%3A%2F%2Fwww.tagserve.sg%2FclickServlet%3FAID%3D1301%26MID%3D193%26PID%3D229%26SID%3D1909%26CID%3D3973%26LID%3D1246%26SUBID%3D%27+target%3D%27_blank%27\"\u003E\u003Cimg alt=\"NTUC\" 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: NTUC - Button\" data-eventlabel=\"NTUC\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"NTUC\" 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: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Income: 45% off + every policy purchaser gets a KT umbrella for Standard Single Trip Plans
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: 60.51
  • 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^
88.47
71.76
Annual ASEAN Premium
356.00
249.08
Medical (Int'l)UnlimitedS$150,000
Medical (SG)S$8,000S$5,000
Personal AccidentS$500,000S$50,000
Trip CancellationS$20,000S$25,000
Baggage LossS$8,000S$15,000
^ Premiums are for 1-week trip
  • Aviva: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Allianz: 48% off Gold Plans; 28% off Silver & Bronze 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 alternatives 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. While Aviva's Plus plan is more expensive and has premiums above the market average, Aviva's Prestige plan can be quite affordable for single trips as it costs around 15% below the market average.

{"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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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=\"noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\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=\"noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianztravel.com.sg%2Fget-a-quote.html%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dgold48\"\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%253Dgold48\"\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=\"noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianztravel.com.sg%2Fget-a-quote.html%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dgold48\"\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%253Dgold48\"\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: "ANGBAO38" for 38% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Allianz: 48% off Gold Plans; 28% off Silver & Bronze Plans
InsurerPremiums
  • Medical (Int'l): Unlimited
  • Medical (SG): S$8,000
  • Personal Accident: S$500,000
  • Trip Cancellation: S$20,000
  • Baggage Loss/Damage: S$8,000
  • 1-Week Global: 88.47
  • 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: 71.76
  • Annual ASEAN: 249.08

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 alternatives 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. While Aviva's Plus plan is more expensive and has premiums above the market average, Aviva's Prestige plan can be quite affordable for single trips as it costs around 15% below the market average.

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 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.

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