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Wise Traveller Travel Insurance: Who it's Good For

The Wise Traveller's insurance plan is a great buy for frequent global travellers.

Wise Traveller Travel Insurance: Who it's Good For

The Wise Traveller's insurance plan is a great buy for frequent global travellers.


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Personal Accident Coverage
Trip Delay Coverage
Baggage Delay Coverage


  • Secure plan is the cheapest annual option for global coverage
  • Premium plan covers adventurous activities and snow sports
  • Above average coveragefor bagge loss/damage
  • Annual subscription provides private hotel rates, discounted car rentals & flights


  • Coverage up to age 70
  • No extreme sports coverage
  • Premium plan offers below average coverage

Wise Traveller's annual travel insurance plans are a great value for those who frequently travel to various destinations all over the world. In general, we think these plan works best for people who need to fly at least 4-5 times annually, like business travellers. However, it may not be suitable for casual travellers who don't travel frequently, senior travellers who are older than 70, or sports enthusiasts looking for a budget basic plan.

Summary of Wise Traveller Insurance
Secure plan is the cheapest annual insurance option for global coverage
Above average coverage in baggage loss/damagge
Premium plan covers adventurous activities & snow sports
Coverage available up to age 70
Annual subscription provides private hotel rates, discounted car rentals & flights

Table of Contents

Wise Traveller's Insurance: What You Need to Know

Wise Traveller Secure Insurance offers two great value plans for those looking for annual travel insurance coverage for any international destination. If you are a frequent traveller, you will benefit from its below average prices for annual plans, whether you are traveling to ASEAN, Asia or globally. Its two plans, the Secure and Premium, cost around 30-50% below average for annual plans. The majority of Wise Traveller's coverage focuses on medical coverage and inconvenience coverage for things such as travel delays, loss of documents and cash.

Wise Traveller's value for money is what makes it stand out the most. For example, The Secure plan's medical coverage of S$312,000 is higher than the industry median of S$300,000 and its trip cancellation coverage is above average. This is despite premiums being 45% cheaper compared to other annual plans. Wise also offers private hotel and car rental discounts, which can lead to even greater savings. The Premium plan is similarly high value, with above average coverage for trip cancellation and baggage loss/damage. Due to this, we recommend these plans to individuals and families who travel more than 4 times every year, whether for work or leisure. You will be getting comprehensive coverage that will cover you in the majority of cases while paying a great price. This makes it one of the best travel insurance plans you can get in Singapore.

Cost of cheapest travel insurance premiums in Singapore for annual global plans

The most notable negatives of Wise Traveller insurance is that it limits coverage to those under 70, so those travelling with seniors may not get full family coverage. Furthermore, the Premium plan, while competitively priced, falls just below average in terms of coverage. For instance, the Premium plan's medical coverage is 54% below average for top-tier plans. Because of this, it may not be suitable for those who are looking for plans with high medical coverage. Furthermore, Wise restricts certain benefits to only the Premium plan, making it potentially unsuitable for travellers who are looking for budget plans that cover adventurous activities, skiing, credit card loss and terrorism & kidnapping.

It's important to highlight that the Wise Traveller isn't an insurer—it's a membership organisation that maintains a relationship with Allianz Global Assistance. This means that when it is time to submit a claim, you will be submitting one with Allianz, not with Wise Traveller. However, there are some perks to being a member, including private discounts at over 150,000 hotels, member only promotions for car rentals, airport lounge access and data roaming options.

General Exclusions

Wise Traveller has a lengthy list of exclusions that are fairly standard for the most part. You will not be able to submit claims arising from pre-existing conditions, not wearing appropriate protective clothing, travelling against advice of a doctor, travelling for medical reasons or if your claim is related to the death or illness of anyone over 70 who is not listed under the insurance policy.

Medical ExclusionsTrip Inconvenience Exclusions
Medical Expenses for pre-existing conditionsEngaging in sport for compensation
Pregnancy-related eventsItems taken by customs officials
Suicide and mental illnessBaggage sent separately or items left unattended
Cosmetic or elective surgery (unless necessitated by injury)Fragile articles
Travelling when you are medically unfitInability to travel due to business or contractual obligations
Mandatory quarantinePandemics or epidemics, unless otherwise stated
Travel Delays Occurring before you leave home country

Sports Coverage

Wise Traveller doesn't offer much for the sports and adventure enthusiast for the Secure plan but offers plenty of coverage for the Premium plan. There is coverage for your sports equipment, with the exception of bicycles and you'll receive coverage for adventurous activities and snow sports such as skiing.

Claims Information

You can submit your claims online through Allianz Global Assistance's online portal. You should make sure you have your Wise Traveller member number and all supporting documents. If you are submitting a dental or medical claim, you have to mail the original documentation and a copy of the acknowledgement email to Allianz.

Contact Information
Customer Service(65) 3158 3598
24-Hour Emergency AssistanceAllianz:(65) 6327 2215
AddressThe Wise Traveller Pte. Ltd. 1 Scotts Rd, #24-01 Shaw Centre, Singapore 228208
Allianz Address for Claim Submission12 Marina View, #14-01 Asia Square Tower 2 Singapore 018961 (Attention to: Allianz Global Assistance)

Wise Traveller's Insurance: Benefits & Coverage

Finding a travel insurance plan that maximises your peace of mind is necessary to get the most out of your business trip or vacation. Below you'll find how Wise Traveller insurance compares to the industry average in pricing and coverage options. If you think this is the right plan for you or you simply want to see how it stands up to other insurance plans, you can read our guide to some of the best travel insurance plans on the market.

PremiumsWise Traveller SecureWise Traveller PremiumIndustry Avg.
Annual ASEANS$200.00S$240.00S$248.00
Annual ASEAN (family)S$400.00S$457.00S$486.00
Annual AsiaS$269.00S$310.00S$264.00
Annual Asia (family)S$540.00S$614.00S$525.00
Annual GlobalS$269.00S$310.00S$362.00
Annual Global (family)S$540.00S$614.00S$678.00
Annual Global Value Ratio1.361.951
Personal Accident/DeathS$205,000S$340,000S$261,588
Overseas MedicalS$305,000S$480,000S$598,140
Emergency Evacuation/RepatriationUnlmtdUnlmtdS$772,727
Trip CancellationS$10,300S$13,700S$10,224
Trip DelaysS$1,030S$2,000S$1,087
Trip Delays/6 HoursS$150S$150S$105
Baggage Loss/DamageS$4,800S$13,700S$5,082
Baggage DelayS$1,030S$2,000S$998

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Anastassia Evlanova

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

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