Best Travel Insurance for Sports 2020

For sports and adventure enthusiasts, knowing that you and your sports equipment will be protected when travelling is crucial. To help you buy the best plan for your next adventure, we analysed 80 travel insurance plans to find the ones that are best for adventurous activities. To make your policy shopping easier, you can compare our top travel insurance picks for sports-related trips based on budget and activity.

Best Plans for Winter Sports:
  • Etiqa Tiq Travel: One of the cheapest plans on the market, offers equipment coverage
  • FWD Travel Insurance: Budget option that offers equipment and winter sports coverage
  • MSIG Travel Insurance: Covers a variety of winter activities like dog sledding, tobogganing & ice skating
  • Direct Asia Travel insurance: Good annual value for money plans for frequent adventurous travellers
  • Aviva Travel Insurance: Competitive pricing for annual plans that feature sports coverage
  • American Express: Most expensive plan but offers coverage for ski lift passes, equipment and medical coverage
Best Plans for Water Sports:
  • FWD Travel Insurance: Affordable option that offers optional cover for basic water sports and equipment
  • Etiqa Travel Insurance: Another budget option that offers water sports coverage
  • MSIG Travel Insurance: Full coverage for jet skiing, white water rafting, canoeing and diving
  • Direct Asia Travel Insurance: Good option for annual plans but you have to pay extra for sports coverage
  • HL Assurance Enhanced: Offers promotions for hotels and car rentals, saving money on trip overall
  • Aviva Travel Insurance: Offers affordable add-on option for seamless water sports coverage
Best Plans for Miscellaneous Sports
  • FWD Travel Insurance: Offers good value for money and covers variety of sports
  • Etiqa Travel Insurance: Budget option that includes sports cover
  • Budget Direct Travel Insurance: Best budget option and covers 85 adventurous activities
  • DBS Travel Insurance: Covers a variety of miscellaneous activities like mountaineering and rafting
  • Direct Asia Travel Insurance: Offers full extreme sports coverage but at additional cost
Best Plans for Golf Coverage:
  • FWD Travel Insurance: Budget option that offers golf equipment coverage
  • American Express Travel Insurance: Offers highest golf coverage equipment but can be pricey
  • MISG Travel Insurance: Best option for frequent golfers as annual plan is competitively priced
  • Aviva Travel Insurance: Most comprehensive golf coverage for an additional fee.

Picking the Best Travel Insurance Plans for Sports Coverage

We thoroughly researched and analysed 100's of data points to find the travel insurance plans that provide the most comprehensive coverage for whatever adventures you'll get up to on your holidays. Compare our top picks by sports activity and type of coverage.

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

Best Travel Insurance for Winter Sports

Our Picks
BusinessSavvyElite
Premiums^:
S$35.10
S$34.10
S$38.25
MedicalS$500,000S$500,000S$500,000
Personal AccidentS$300,000S$300,000S$200,000
Trip DelayS$500S$1,000S$1,000
EquipmentS$2,000S$2,000N/A
Piste ClosureN/AS$1,000N/A
^ Premiums shown for 1-week ASEAN trips; does not include optional sports add-on
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans

If you travel to participate in winter sports activities like skiing or snowboarding, FWD, MSIG and Etiqa are great options to consider as they cover winter sports-related medical expenses and/or equipment damage.

Etiqa is a good budget option as it is one of the cheapest travel insurers on the market. Etiqa's Tiq travel insurance offers up to S$4,000 of equipment coverage, depending on your plan and also covers adventurous activities like hiking.

FWD is another great budget option, as they have some of the cheapest travel insurance prices on the market. Despite the low cost, FWD offers up to S$2,000 of equipment coverage for an additional S$8. Like Etiqa, it also covers adventurous activity as well. Considering that sporting equipment is expensive and repairs can be costly, both FWD and Etiqa can be great options to consider for equipment protection.

Last, MSIG also has good winter sports coverage, including coverage for things such as dog-sledding, tobogganing and ice skating. It is neither the most expensive, nor the cheapest but with coverage above average, it can be a good value option. Lastly, unlike the other plans featured, it does not offer equipment or piste closure coverage and may thus be less suitable for skiers.

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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-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\/fwd-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\/fwd-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: 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: Etiqa Tiq Travel Insurance - Image\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" rel=\"noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Fquotation%2Ftiq-travel-insurance%3Futm_source%3Dvaluechampion%26utm_medium%3Daffiliate%26utm_campaign%3Dtravel_tiq-travel_valuechampion-affiliate\"\u003E\u003Cimg alt=\"Etiqa Tiq Travel Insurance\" 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\/tiq-etiqa-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\/tiq-etiqa-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\/tiq-etiqa-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: Etiqa Tiq Travel Insurance - 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Image\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" rel=\"noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Fquotation%2Ftiq-travel-insurance%3Futm_source%3Dvaluechampion%26utm_medium%3Daffiliate%26utm_campaign%3Dtravel_tiq-travel_valuechampion-affiliate\"\u003E\u003Cimg alt=\"Etiqa Tiq Travel Insurance\" 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\/tiq-etiqa-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\/tiq-etiqa-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\/tiq-etiqa-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: Etiqa Tiq Travel Insurance - 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Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Image\" data-eventlabel=\"MSIG\" rel=\"noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Fe-insure2.msig.sg%2Fcp%2Fproduct%2Fmsig%2FTRAVEL%2FTRNamedTravelEasyV1%3Futm_campaign%3DValueChampJun19TE%26utm_content%3DButton%26utm_medium%3DDisplay%26utm_source%3DValueChamp_Direct%26utm_term%3DStatic\"\u003E\u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$2,000
  • Rental Equipment: S$100/day
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$35.10
  • Annual ASEAN: S$229.50
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$2,000
  • Rental Equipment: N/A
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$34.10
  • Annual ASEAN: S$190.45
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Owned Equipment: N/A
  • Rental Equipment: N/A
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • 1-Week ASEAN: S$38.25
  • Annual ASEAN: S$248.00

Etiqa is a good budget option as it is one of the cheapest travel insurers on the market. Etiqa's Tiq travel insurance offers up to S$4,000 of equipment coverage, depending on your plan and also covers adventurous activities like hiking.

FWD is another great budget option, as they have some of the cheapest travel insurance prices on the market. Despite the low cost, FWD offers up to S$2,000 of equipment coverage for an additional S$8. Like Etiqa, it also covers adventurous activity as well. Considering that sporting equipment is expensive and repairs can be costly, both FWD and Etiqa can be great options to consider for equipment protection.

Last, MSIG also has good winter sports coverage, including coverage for things such as dog-sledding, tobogganing and ice skating. It is neither the most expensive, nor the cheapest but with coverage above average, it can be a good value option. Lastly, unlike the other plans featured, it does not offer equipment or piste closure coverage and may thus be less suitable for skiers.

Best Annual Plans for Winter Sports

Our Picks
Direct Asia Insurance - Annual
Direct Asia Insurance - Annual
American Express
American Express
Plus200Standard
Premiums^:
S$255.00
S$149.00
S$204.00
MedicalS$2,000,000S$200,000S$1,000,000
Personal AccidentS$100,000S$300,000S$250,000
Trip DelayS$1,000N/AS$1,000
EquipmentS$3,000S$5,000 (extra cost)S$3,000
Rental EquipmentS$500S$100/day (extra cost)S$500
Piste ClosureS$1,000N/AS$250
^ Premiums shown for Annual ASEAN trips; does not include optional sports add-on
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential

If you go on ski or snowboarding trips several times a year and want a sports-focused annual plan, Direct Asia, American Express and Aviva may be good options. Their sports-related coverage is quite comprehensive and their prices remain competitive even with adventurous activity add-ons

DirectAsia may be a good option for very frequent sports enthusiasts and travellers. This is because it only offers extreme sports coverage and sports equipment coverage for its annual plans. DirectAsia's 200 plan offers some of the cheapest annual plans on the market (S$149-S$209), so even with the additional cost of the extreme sports add-on, DirectAsia will remain affordable for most budget sports travellers.

Aviva is a high value plan for winter sports due to its competitive pricing and medical, accident, equipment damage and deposit loss expense coverage. Though Aviva is one of the more expensive insurers, we found that its Plus plan is one of the best value plans on the market (coverage per dollar spend). Similar to Direct Asia, you have to buy winter sports coverage as an optional add-on, which costs S$34.00

While American Express is the most expensive, with single trip premiums including winter sports cover ranging from S$74-S$98.80 and annual premiums S$421-$655, it covers everything ski or snowboard related, from replacement of ski lift passes to ski equipment and medical coverage.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: 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 \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-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\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-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\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 \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
InsurerPremiums
  • Medical: S$2,000,000
  • Personal Accident: S$100,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • Ski Deposit: S$500
  • Piste Closure: S$1,000
  • Annual ASEAN: S$255.00
  • Annual Global: S$346.00
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Owned Equipment: S$5,000
  • Rental Equipment: S$100/day
  • Ski Deposit: N/A
  • Piste Closure: N/A
  • Annual ASEAN: S$149.00
  • Annual Global: S$209.00
  • Medical: S$1,000,000
  • Personal Accident: S$250,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • Ski Deposit: S$250
  • Piste Closure: S$250
  • Annual ASEAN: S$204.00
  • Annual Global: S$319.20
Premiums do not include optional sports cover

If you go on ski or snowboarding trips several times a year and want a sports-focused annual plan, Direct Asia, American Express and Aviva may be good options. Their sports-related coverage is quite comprehensive and their prices remain competitive even with adventurous activity add-ons

DirectAsia may be a good option for very frequent sports enthusiasts and travellers. This is because it only offers extreme sports coverage and sports equipment coverage for its annual plans. DirectAsia's 200 plan offers some of the cheapest annual plans on the market (S$149-S$209), so even with the additional cost of the extreme sports add-on, DirectAsia will remain affordable for most budget sports travellers.

Aviva is a high value plan for winter sports due to its competitive pricing and medical, accident, equipment damage and deposit loss expense coverage. Though Aviva is one of the more expensive insurers, we found that its Plus plan is one of the best value plans on the market (coverage per dollar spend). Similar to Direct Asia, you have to buy winter sports coverage as an optional add-on, which costs S$34.00

While American Express is the most expensive, with single trip premiums including winter sports cover ranging from S$74-S$98.80 and annual premiums S$421-$655, it covers everything ski or snowboard related, from replacement of ski lift passes to ski equipment and medical coverage.

Best Travel Insurance for Water Sports

Our Picks
Direct Asia Insurance - Single
Direct Asia Insurance - Single
SavvyBusiness200Plus
Premiums^
S$34.10
S$35.10
S$26.25
S$36.07
MedicalS$500,000S$500,000S$200,000S$500,000
Accident/DeathS$300,000S$300,000S$300,000S$300,000
CancellationS$10,000S$10,000$10,000S$15,000
Baggage DamageS$5,000S$5,000S$3,000S$5,000
Rental EquipmentN/AS$100/day (extra cost)S$100/day (extra cost)S$500 (extra cost)
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders

People who prefer to engage in water-based sports like white-water rafting, parasailing and scuba-diving can find substantial coverage with insurers like Aviva, FWD, Etiqa, Direct Asia and MSIG.

FWD and Etiqa are great budget-friendly options and offer coverage for basic water sports like scuba diving (no deeper than 30 metres) and canoeing. FWD also offers S$2,000 of sports equipment coverage for S$8 extra so you are covered for any related gear you bring with you. FWD and Etiqa are both good options for people who prefer basic coverage for cheaper price.

If you are looking for a plan with a specific water sports add-on to ensure maximum coverage, Aviva's optional water sports coverage includes death and permanent disablement, medical, loss of water sports equipment and hire of water sports equipment coverage. However it'll only cover canoeing, kayaking and white-water rafter in below level 3 waters. Because it costs an additional S$40, we recommend this plan mainly for people who don't care about price and are willing to pay extra to protect their expensive equipment.

Direct Asia and MSIG give you full coverage for jet skiing, white water rafting, canoeing and diving. However, Direct Asia's adventure cover is only available for annual plans and you'll have to pay an additional amount to receive the cover, bringing your total annual cost between S$214 and S$344. In contrast, MSIG, FWD and Etiqa's plans include these coverage options as a default.

{"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: Etiqa Tiq Travel Insurance - Image\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" rel=\"noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Fquotation%2Ftiq-travel-insurance%3Futm_source%3Dvaluechampion%26utm_medium%3Daffiliate%26utm_campaign%3Dtravel_tiq-travel_valuechampion-affiliate\"\u003E\u003Cimg alt=\"Etiqa Tiq Travel Insurance\" 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\/tiq-etiqa-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\/tiq-etiqa-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\/tiq-etiqa-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: Etiqa Tiq Travel Insurance - Button\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.etiqa.com.sg%252Fonline%252Fquotation%252Ftiq-travel-insurance%253Futm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dtravel_tiq-travel_valuechampion-affiliate\"\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: Etiqa Tiq Travel Insurance - Image\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" rel=\"noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Fquotation%2Ftiq-travel-insurance%3Futm_source%3Dvaluechampion%26utm_medium%3Daffiliate%26utm_campaign%3Dtravel_tiq-travel_valuechampion-affiliate\"\u003E\u003Cimg alt=\"Etiqa Tiq Travel Insurance\" 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\/tiq-etiqa-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\/tiq-etiqa-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\/tiq-etiqa-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: Etiqa Tiq Travel Insurance - Button\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.etiqa.com.sg%252Fonline%252Fquotation%252Ftiq-travel-insurance%253Futm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dtravel_tiq-travel_valuechampion-affiliate\"\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-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\/fwd-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\/fwd-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: FWD - 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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 \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\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-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\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"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"],"offsetPercentage":20}
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • Direct Asia: 40% off all plans + S$30 Prudential Gift Voucher
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: S$2,000 (extra cost)
  • Rental Equipment: S$100/day (extra cost)
  • 1-Week ASEAN: S$35.10
  • Annual ASEAN: S$229.50
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$15,000
  • Baggage Damage:S$5,000
  • Owned Equipment: S$3,000
  • Rental Equipment: S$500
  • 1-Week ASEAN:S$36.07
  • Annual ASEAN: S$255.00
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: N/A
  • Rental Equipment: N/A
  • 1-Week ASEAN: S$34.10
  • Annual ASEAN: S$190.45
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$3,000
  • Owned Equipment: S$5,000 (addtl cost)
  • Rental Equipment: N/A
  • 1-Week ASEAN: $26.25
  • Annual ASEAN: $149.00
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Trip Cancellation: S$10,000
  • Baggage Damage:S$5,000
  • Owned Equipment: N/A
  • Rental Equipment: S$500
  • 1-Week ASEAN: S$38.25
  • Annual ASEAN: S$248.00
Premiums don't include optional sports coverage add-ons

People who prefer to engage in water-based sports like white-water rafting, parasailing and scuba-diving can find substantial coverage with insurers like Aviva, FWD, Etiqa, Direct Asia and MSIG.

FWD and Etiqa are great budget-friendly options and offer coverage for basic water sports like scuba diving (no deeper than 30 metres) and canoeing. FWD also offers S$2,000 of sports equipment coverage for S$8 extra so you are covered for any related gear you bring with you. FWD and Etiqa are both good options for people who prefer basic coverage for cheaper price.

If you are looking for a plan with a specific water sports add-on to ensure maximum coverage, Aviva's optional water sports coverage includes death and permanent disablement, medical, loss of water sports equipment and hire of water sports equipment coverage. However it'll only cover canoeing, kayaking and white-water rafter in below level 3 waters. Because it costs an additional S$40, we recommend this plan mainly for people who don't care about price and are willing to pay extra to protect their expensive equipment.

Direct Asia and MSIG give you full coverage for jet skiing, white water rafting, canoeing and diving. However, Direct Asia's adventure cover is only available for annual plans and you'll have to pay an additional amount to receive the cover, bringing your total annual cost between S$214 and S$344. In contrast, MSIG, FWD and Etiqa's plans include these coverage options as a default.

Best Travel Insurance for Miscellaneous Adventurous Activity

Our Picks
Direct Asia Insurance - Single
Direct Asia Insurance - Single
SavvyBusinessComprehensive200
Premiums^
S$34.10
S$35.10
S$28.83
26.25
MedicalS$500,000S$500,000S$250,000S$200,000
Accident/DeathS$300,000S$300,000S$250,000S$300,000
Hiking/Trek3,000m3,000m4,000m1,500m; 4,000m (extra cost)
Hot Air BalloonCoveredCoveredNot CoveredCovered
Sky-Diving/BungeeCoveredCoveredNot CoveredCovered
MountaineeringCoveredCoveredNot CoveredNot Covered
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans
  • Budget Direct: Use Affinity Code "VALUE5" for an extra 5% off (new customers only)
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential

If you intend to participate in miscellaneous outdoor activities like mountaineering, canoeing, hiking, skydiving or going on any kind of non-commercial aerial ride, AXA, DBS, Direct Asia, FWD, Etiqa, Budget Direct, MSIG can be good options provided you understand their terms and conditions.

FWD and Etiqa's Tiq mid-tier plans will give you adequate coverage for common or tourist-related outdoor excursions like basic hiking, skiing in a resort or hot-air ballooning, while also being one of the cheapest plans available on the market. Costing around S$35 for a 1-week ASEAN plan, these plans automatically include coverage for basic sports activities that are deemed safe for the general public. You can also purchase additional sports equipment coverage for less than S$20 from either insurer.

Budget Direct is the best option for cost-conscious but very active individuals and families as it has the cheapest policies on the market but covers around 85 different activities. Despite this, it doesn't offer any coverage for bunjee jumping, mountaineering or hot air balloon rides, so we recommend going with one of the 3 other insurers in this section. Lastly, you shouldn't expect very high coverage, as Budget Direct focuses on providing its consumers low premiums instead of above average benefit limits.

DBS will cover the aforementioned activities, including mountaineering and white-water rafting provided you don't mountaineer above 3,000 metres or white-water raft in Grade 4 or higher waters. However, DBS is quite expensive due to its high limits, so we recommend this plan for travellers who aren't as sensitive to price.

Direct Asia offers full extreme sports coverage only as an add-on for annual plans, so it may be a good choice for adventure enthusiasts who travel more than 5 times a year. In particular, its Travel 500 annual plan's price of S$185-S$239 also makes DirectAsia a good budget option, as you will be paying less than the industry average for global coverage (even with the additional sports coverage) and around the average for Asia and ASEAN coverage.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa Tiq Travel Insurance - Image\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" rel=\"noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Fquotation%2Ftiq-travel-insurance%3Futm_source%3Dvaluechampion%26utm_medium%3Daffiliate%26utm_campaign%3Dtravel_tiq-travel_valuechampion-affiliate\"\u003E\u003Cimg alt=\"Etiqa Tiq Travel Insurance\" 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\/tiq-etiqa-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\/tiq-etiqa-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\/tiq-etiqa-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: Etiqa Tiq Travel Insurance - Button\" data-eventlabel=\"Etiqa Tiq Travel Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa Tiq Travel Insurance\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.etiqa.com.sg%252Fonline%252Fquotation%252Ftiq-travel-insurance%253Futm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dtravel_tiq-travel_valuechampion-affiliate\"\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: Etiqa Tiq Travel Insurance - 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Image\" data-eventlabel=\"BudgetDirect\" rel=\"noopener\" target=\"_blank\" title=\"BudgetDirect\" href=\"\/redirect?link=https%3A%2F%2Fad.doubleclick.net%2Fddm%2Ftrackclk%2FN439810.2754007VALUEPENGUINSG%2FB20135729.212633206%3Bdc_trk_aid%3D411892891%3Bdc_trk_cid%3D96847489%3Bdc_lat%3D%3Bdc_rdid%3D%3Btag_for_child_directed_treatment%3D%3Btfua%3D\"\u003E\u003Cimg alt=\"BudgetDirect\" 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\/budgetdirect-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\/budgetdirect-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\/budgetdirect-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: BudgetDirect - Button\" data-eventlabel=\"BudgetDirect\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"BudgetDirect\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN439810.2754007VALUEPENGUINSG%252FB20135729.212633206%253Bdc_trk_aid%253D411892891%253Bdc_trk_cid%253D96847489%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D\"\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-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\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-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\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD: "VTRAVEL10" for 10% off
  • Tiq: "LETSGO50" for 50% single-trip plans (excluding Pre-Ex plans)
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans
  • Budget Direct: Use Affinity Code "VALUE5" for an extra 5% off (new customers only)
  • Direct Asia: 40% off Annual Plans + S$30 gift voucher from Prudential
InsurerPremiums
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): Yes
  • Amateur Triathlon/Marathon: N/A
  • 1-Week ASEAN: S$35.10
  • Annual ASEAN: S$229.50
  • Medical: S$500,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): Yes
  • Amateur Triathlon/Marathon: Marathon Only
  • 1-Week ASEAN: S$34.10
  • Annual ASEAN: 190.45
  • Medical: S$200,000
  • Personal Accident: S$300,000
  • Hiking/Trekking: up to 4,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): No
  • Amateur Triathlon/Marathon: Yes
  • 1-Week ASEAN: S$26.25
  • Annual ASEAN: S$149.00
  • Medical: S$500,000
  • Personal Accident: S$200,000
  • Hiking/Trekking: up to 3,000m
  • Hot Air Balloon Rides: Yes
  • Sky-diving/Bungee Jumping: Yes
  • Mountaineering (no equip.): up to 3,000m
  • Amateur Triathlon/Marathon: No
  • 1-Week ASEAN: S$34.25
  • Annual ASEAN: S$231.00
  • Medical: S$250,000
  • Personal Accident: S$250,000
  • Hiking/Trekking: up to 4,000m
  • Hot Air Balloon Rides: No
  • Sky-diving/Bungee Jumping: No
  • Mountaineering (no equip.): No
  • Amateur Triathlon/Marathon: Marathon only
  • 1-Week ASEAN: S$28.83
  • Annual ASEAN: S$214.00

If you intend to participate in miscellaneous outdoor activities like mountaineering, canoeing, hiking, skydiving or going on any kind of non-commercial aerial ride, AXA, DBS, Direct Asia, FWD, Etiqa, Budget Direct, MSIG can be good options provided you understand their terms and conditions.

FWD and Etiqa's Tiq mid-tier plans will give you adequate coverage for common or tourist-related outdoor excursions like basic hiking, skiing in a resort or hot-air ballooning, while also being one of the cheapest plans available on the market. Costing around S$35 for a 1-week ASEAN plan, these plans automatically include coverage for basic sports activities that are deemed safe for the general public. You can also purchase additional sports equipment coverage for less than S$20 from either insurer.

Budget Direct is the best option for cost-conscious but very active individuals and families as it has the cheapest policies on the market but covers around 85 different activities. Despite this, it doesn't offer any coverage for bunjee jumping, mountaineering or hot air balloon rides, so we recommend going with one of the 3 other insurers in this section. Lastly, you shouldn't expect very high coverage, as Budget Direct focuses on providing its consumers low premiums instead of above average benefit limits.

DBS will cover the aforementioned activities, including mountaineering and white-water rafting provided you don't mountaineer above 3,000 metres or white-water raft in Grade 4 or higher waters. However, DBS is quite expensive due to its high limits, so we recommend this plan for travellers who aren't as sensitive to price.

Direct Asia offers full extreme sports coverage only as an add-on for annual plans, so it may be a good choice for adventure enthusiasts who travel more than 5 times a year. In particular, its Travel 500 annual plan's price of S$185-S$239 also makes DirectAsia a good budget option, as you will be paying less than the industry average for global coverage (even with the additional sports coverage) and around the average for Asia and ASEAN coverage.

Best Travel Insurance for Golf

Our Picks
American Express
American Express
BusinessPlusEliteStandard
Premiums^
S$35.10
S$36.07
S$38.25
S$38.35
MedicalS$500,000S$500,000S$250,000S$500,000
Baggage LossS$5,000S$5,000S$5,000S$3,000
EquipmentS$2,000S$2,000S$1,000S$3,000
RentalsS$100/dayS$500N/AN/A
Unused FeeN/AS$500S$500S$750
Hole-in-1N/AS$1,000S$500S$300
^Premiums are for 1-week ASEAN trips; do not include optional sports add-on
  • FWD: "VTRAVEL10" for 10% off
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans

If you are looking to protect your golfing equipment, you can opt for FWD's additional sports equipment coverage as it includes golf equipment. That way, whether you end up golfing or not, you'll still be protected from damage or loss.

Golfers who fly several times per year may find MSIG's Elite annual plan worth considering. Not only is it one of the cheaper annual plans on this list, but it also provides green fee and equipment coverage.

Aviva has the most comprehensive golfing coverage (for an additional S$14.80 fee), which includes accidental loss or damage of equipment, hire of golfing equipment, damage of buggy, unused green fees and hole-in-one coverage.

Lastly, Sompo includes golf cover in its premiums and covers for golf equipment, hole-in-one and green fees. However, you only get the full coverage if you purchase its Elite plan (S$52 for a 1-week ASEAN trip). Sompo's Deluxe plan will only give you S$500 of equipment loss or damage coverage, which may not be sufficient for golfers.

For those with very expensive golf clubs, American Express offers the highest coverage for golf equipment at S$5,000, although it has some of the highest premiums on the market.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" rel=\"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-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\/fwd-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\/fwd-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: 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-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\/fwd-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\/fwd-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: FWD - Button\" data-eventlabel=\"FWD\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Ftravel-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" rel=\"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: MSIG - Image\" data-eventlabel=\"MSIG\" rel=\"noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Fe-insure2.msig.sg%2Fcp%2Fproduct%2Fmsig%2FTRAVEL%2FTRNamedTravelEasyV1%3Futm_campaign%3DValueChampJun19TE%26utm_content%3DButton%26utm_medium%3DDisplay%26utm_source%3DValueChamp_Direct%26utm_term%3DStatic\"\u003E\u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Image\" data-eventlabel=\"MSIG\" rel=\"noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Fe-insure2.msig.sg%2Fcp%2Fproduct%2Fmsig%2FTRAVEL%2FTRNamedTravelEasyV1%3Futm_campaign%3DValueChampJun19TE%26utm_content%3DButton%26utm_medium%3DDisplay%26utm_source%3DValueChamp_Direct%26utm_term%3DStatic\"\u003E\u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: MSIG - Button\" data-eventlabel=\"MSIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"MSIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fe-insure2.msig.sg%252Fcp%252Fproduct%252Fmsig%252FTRAVEL%252FTRNamedTravelEasyV1%253Futm_campaign%253DValueChampJun19TE%2526utm_content%253DButton%2526utm_medium%253DDisplay%2526utm_source%253DValueChamp_Direct%2526utm_term%253DStatic\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n ","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • FWD: "VTRAVEL10" for 10% off
  • Aviva: "FUN30" for 30% off Single Trip plans; addt'l 30% off MINDEF & MHA policyholders
  • MSIG TravelEasy: 60% off Single Trips; 20% off Annual Plans
InsurerPremiums
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$100/day(extra cost)
  • Unused Green Fee: N/A
  • Hole-in-1: N/A
  • 1-Week ASEAN: S$35.10
  • Annual ASEAN: S$229.50
  • Medical: S$2,000,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$2,000
  • Rented Equipment: S$500
  • Unused Green Fee: S$500
  • Hole-in-1: S$1,000
  • 1-Week ASEAN: 36.07
  • Annual ASEAN: 255.00
  • Medical: S$500,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$1,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$500
  • Hole-in-1: S$500
  • 1-Week ASEAN: 38.25
  • Annual ASEAN: 248.00
  • Medical: S$210,000
  • Baggage Loss/Damage: S$3,000
  • Owned Equipment: S$3,000
  • Rented Equipment: N/A
  • Unused Green Fee: S$750
  • Hole-in-1: S$300
  • 1-Week ASEAN: 38.35
  • Annual ASEAN: 204.00
  • Medical: S$300,000
  • Baggage Loss/Damage: S$5,000
  • Owned Equipment: S$500
  • Rented Equipment: N/A
  • Unused Green Fee: N/A
  • Hole-in-1: N/A
  • 1-Week ASEAN: 30.60
  • Annual ASEAN: 214.40

If you are looking to protect your golfing equipment, you can opt for FWD's additional sports equipment coverage as it includes golf equipment. That way, whether you end up golfing or not, you'll still be protected from damage or loss.

For those with very expensive golf clubs, American Express offers the highest coverage for golf equipment at S$5,000, although it has some of the highest premiums on the market.

Golfers who fly several times per year may find MSIG's Elite annual plan worth considering. Not only is it one of the cheaper annual plans on this list, but it also provides green fee and equipment coverage.

Aviva has the most comprehensive golfing coverage (for an additional S$6.64 fee), which includes accidental loss or damage of equipment, hire of golfing equipment, damage of buggy, unused green fees and hole-in-one coverage.

Lastly, Sompo includes golf cover in its premiums and covers for golf equipment, hole-in-one and green fees. However, you only get the full coverage if you purchase its Elite plan (S$52 for a 1-week ASEAN trip). Sompo's Deluxe plan will only give you S$500 of equipment loss or damage coverage, which may not be sufficient for golfers.

Considerations

Across the board, there are activities that insurers will not cover, no matter how lenient they are in their adventurous activity policies. This includes traveling for competitive sports, participating in activities for reward or monetary gain, drag racing, trekking above a 3,500-4,000m, scuba diving unaccompanied below 30 metres and expeditions to undiscovered places. In short, you won't be covered if you are competing as a professional athlete or participating in extreme activity without a licensed guide. If you fit into these categories, you most likely already have coverage provided by your company or you'll have to find specific insurers that are designed for athletes.

However, if you are a going on a family ski vacation or hoping to go on a low-impact hike and want to err on the safer side, you will receive more than enough coverage from the above insurers, provided that you choose the right plan and add-ons. If you would like to learn more, we've prepared guides for our top picks for family-focused insurance plans and for the over-all best travel insurance policies.

Anastassia Evlanova

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

Comments and Questions

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