In case you’re still skeptical or wondering if you should really shell out the extra money for travel insurance, here’s a little reminder from the Singapore Tourism Board:

1. MSIG TravelEasy Standard

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  • Medical expenses (overseas): $250,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $150,000
  • Lost luggage: $3,000 (Up to $500 per article)
  • Trip cancellation: $5,000
  • Trip delay: $100 per 6hr (maximum of $500)
60% off this plan (only applicable for single trips) till 16th August 2019!

As one of the most popular insurance brands in Singapore (second to NTUC income), MSIG’s travel insurance plans are pretty affordable with decent coverage. 

They have three plans under TravelEasy: Standard, Elite and Premier.

However, it’s important to note that the coverage for their standard plan is lower in terms of emergency evacuation and travel inconvenience.

Adrenaline junkies should also note that they do not cover most outdoor activities, even basic ones like scuba diving and ice skating in their standard plan.

Thus, it might be wise to opt for their Elite or Premier plans instead. Both plans offer you with better and more comprehensive coverage and cover for outdoor activities.

Their Elite and Premier plans also cover for things such as unused entertainment tickets due to an accident, rental vehicle access and domestic pet care.

Insurance plans can be taken to cover individual, family or group travel. Premiums differ depending on your destination and how long you are traveling for.

 

Individual Travel

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $25.60 for 7 days and $43.80 for 14 days
  2. China: $25.60 for 7 days and $43.80 for 14 days
  3. Hong Kong: $25.60 for 7 days and $43.80 for 14 days
  4. Indonesia: $20.80 for 7 days and $34.80 for 14 days
  5. Japan: $25.60 for 7 days and $43.80 for 14 days
  6. Korea: $25.60 for 7 days and $43.80 for 14 days
  7. Malaysia: $20.80 for 7 days and $34.80 for 14 days
  8. Philippines: $20.80 for 7 days and $34.80 for 14 days
  9. Taiwan: $25.60 for 7 days and $43.80 for 14 days
  10. United States: $37.20 for 7 days and $63.80 for 14 days

 

Group Travel

Group insurance can be taken for 2 to 20 persons that are traveling together on the same journey. A single trip plan will give you a 10% discount for insuring 2 to 10 persons and 15% discount for 11 to 20 persons*.

This insurance plan also offers coverage for adventurous activities that are often excluded by other insurance providers. These include dog sledding, ice-skating, tobagganing and sledging.

Find out more about MSIG’s TravelEasy Standard travel insurance plan here.

Download MSIG’s TravelEasy Standard brochure here.

*Group discount may not apply to certain promotions. Please check their promotions page for more details. 

2. MSIG TravelEasy Elite

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $200,000
  • Lost luggage: $5,000 (Up to $500 per article)
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6hr (maximum of $1,000)
  • Adventurous activity cover
  • Rental vehicle excess: $1,000
  • Golfers cover: $1,000
  • Unused entertainment ticket: $300
60% off this plan (only applicable for single trips) till 16th August 2019!

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $34.40 for 7 days and $58.20 for 14 days
  2. China: $34.40 for 7 days and $58.20 for 14 days
  3. Hong Kong: $34.40 for 7 days and $58.20 for 14 days
  4. Indonesia: $28 for 7 days and $46.20 for 14 days
  5. Japan: $34.40 for 7 days and $58.20 for 14 days
  6. Korea: $34.40 for 7 days and $58.20 for 14 days
  7. Malaysia: $28 for 7 days and $46.20 for 14 days
  8. Philippines: $28 for 7 days and $46.20 for 14 days
  9. Taiwan: $34.40 for 7 days and $58.20 for 14 days
  10. United States: $46.40 for 7 days and $77.20 for 14 days

Find out more about MSIG’s TravelEasy Elite travel insurance plan here.

Download MSIG’s TravelEasy Elite brochure here.

3. MSIG TravelEasy Premier

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $500,000
  • Lost luggage: $7,500 (Up to $500 per article)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6hr (maximum of $1,500)
  • Adventurous activity cover
  • Rental vehicle excess: $1,500
  • Golfers cover: $1,500
  • Unused entertainment ticket: $500
60% off this plan (only applicable for single trips) till 16th August 2019!

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $48.80 for 7 days and $78.20 for 14 days
  2. China: $48.80 for 7 days and $78.20 for 14 days
  3. Hong Kong: $48.80 for 7 days and $78.20 for 14 days
  4. Indonesia: $39.20 for 7 days and $64.40 for 14 days
  5. Japan: $48.80 for 7 days and $78.20 for 14 days
  6. Korea: $48.80 for 7 days and $78.20 for 14 days
  7. Malaysia: $39.20 for 7 days and $64.40 for 14 days
  8. Philippines: $39.20 for 7 days and $64.40 for 14 days
  9. Taiwan: $48.80 for 7 days and $78.20 for 14 days
  10. United States: $64 for 7 days and $106 for 14 days

Find out more about MSIG’s TravelEasy Premier travel insurance plan here.

Download MSIG’s TravelEasy Premier brochure here.

4. MSIG TravelEasy Pre-Ex Standard

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  • Covers all pre-existing medical conditions
  • Medical expenses (overseas): $250,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $150,000
  • Lost luggage: $3,000 (Up to $500 per article)
  • Trip cancellation: $5,000
  • Trip delay: $100 per 6hr (maximum of $500)
60% off this plan (only applicable for single trips) till 16th August 2019!

If you have pre-existing medical conditions, you’ll be able to travel with a greater piece of mind with MSIG’s TravelEasy Pre-Ex travel insurance plan.

As long as your pre-existing medical conditions are stable and under control and you meet a set of health related conditions, you’ll be eligible for cover.

It’s also good to note that their Pre-Ex plans are marginally cheaper than other pre-ex plans in the market.

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $77 for 7 days and $133 for 14 days
  2. China: $77 for 7 days and $133 for 14 days
  3. Hong Kong: $77 for 7 days and $133 for 14 days
  4. Indonesia: $64 for 7 days and $109 for 14 days
  5. Japan: $77 for 7 days and $133 for 14 days
  6. Korea: $77 for 7 days and $133 for 14 days
  7. Malaysia: $64 for 7 days and $109 for 14 days
  8. Philippines: $64 for 7 days and $109 for 14 days
  9. Taiwan: $77 for 7 days and $133 for 14 days
  10. United States: $104 for 7 days and $181 for 14 days

Find out more about MSIG’s TravelEasy Pre-Ex Standard travel insurance plan here.

Download MSIG’s TravelEasy Pre-Ex Standard brochure here.

5. MSIG TravelEasy Pre-Ex Elite

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  • Covers all pre-existing medical conditions
  • Medical expenses (overseas): $500,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $200,000
  • Lost luggage: $5,000 (Up to $500 per article)
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6hr (maximum of $1,000)
  • Adventurous activity cover
  • Rental vehicle excess: $1,000
  • Golfers cover: $1,000
  • Unused entertainment ticket: $300
60% off this plan (only applicable for single trips) till 16th August 2019!

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $97 for 7 days and $167 for 14 days
  2. China: $97 for 7 days and $167 for 14 days
  3. Hong Kong: $97 for 7 days and $167 for 14 days
  4. Indonesia: $82 for 7 days and $138 for 14 days
  5. Japan: $97 for 7 days and $167 for 14 days
  6. Korea: $97 for 7 days and $167 for 14 days
  7. Malaysia: $82 for 7 days and $138 for 14 days
  8. Philippines: $82 for 7 days and $138 for 14 days
  9. Taiwan: $97 for 7 days and $167 for 14 days
  10. United States: $135 for 7 days and $222.50 for 14 days

Find out more about MSIG’s TravelEasy Pre-Ex Elite travel insurance plan here.

Download MSIG’s TravelEasy Pre-Ex Elite brochure here.

6. MSIG TravelEasy Pre-Ex Premier

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  • Covers all pre-existing medical conditions
  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $500,000
  • Lost luggage: $7,500 (Up to $500 per article)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6hr (maximum of $1,500)
  • Adventurous activity cover
  • Rental vehicle excess: $1,500
  • Golfers cover: $1,500
  • Unused entertainment ticket: $500
60% off this plan (only applicable for single trips) till 16th August 2019!

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $136 for 7 days and $220 for 14 days
  2. China: $136 for 7 days and $220 for 14 days
  3. Hong Kong: $136 for 7 days and $220 for 14 days
  4. Indonesia: $110 for 7 days and $183.50 for 14 days
  5. Japan: $136 for 7 days and $220 for 14 days
  6. Korea: $136 for 7 days and $220 for 14 days
  7. Malaysia: $110 for 7 days and $183.50 for 14 days
  8. Philippines: $110 for 7 days and $183.50 for 14 days
  9. Taiwan: $136 for 7 days and $220 for 14 days
  10. United States: $176 for 7 days and $291.50 for 14 days

Find out more about MSIG’s TravelEasy Pre-Ex Premier travel insurance plan here.

Download MSIG’s TravelEasy Pre-Ex Premier brochure here.

7. Allianz Global Assistance Travel Insurance

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  • Medical expenses (overseas): Up to $1,000,000*
  • Medical evacuation: Unlimited*
  • Trip cancellation or delay: Up to $15,000*
  • Loss or damage of luggage: Up to $12,000*
  • Terrorism: Up to $80,000*

*Denotes the maximum coverage based on annual multi-trip travel insurance. For individual coverage, please see below.

Allianz offers three types of travel insurance to protect individuals and families from unforeseen occurrences while traveling:

 

1. Single Trip Travel Insurance (Bronze)

This insurance plan offers coverage for up to 180 days. It covers:

  • Medical expenses (overseas): $400,000
  • Emergency medical evacuation: Up to $500,000
  • Death and TPD: Up to $35,000
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6hr (maximum of $1,500)
  • Loss/damage of luggage: $7,000
  • Terrorism: Up to $35,000

Premiums for specific destinations on a per trip plan are as outlined below::

  1. Australia: $30.78 for 7 days and $38.19 for 14 days
  2. China: $30.78 for 7 days and $38.19 for 14 days
  3. Hong Kong: $30.78 for 7 days and $38.19 for 14 days
  4. Indonesia: $22.80 for 7 days and $30.21 for 14 days
  5. Japan: $30.78 for 7 days and $38.19 for 14 days
  6. Korea: $30.78 for 7 days and $38.19 for 14 days
  7. Malaysia: $22.80 for 7 days and $30.21 for 14 days
  8. Philippines: $22.80 for 7 days and $30.21 for 14 days
  9. Taiwan: $30.78 for 7 days and $38.19 for 14 days
  10. United States: $45.60 for 7 days and $60.42 for 14 days

Insurance premiums begin from $15.39.

Find out more about Allianz Global’s single travel insurance here.

 

2. Family Travel Insurance (Bronze)

This insurance plan offers cover for the family for up to 180 days. It covers:

  • Medical expenses (overseas): Up to $400,000
  • Medical evacuation: $500,000
  • Death and TPD: Up to $35,000
  • Lost/damage to luggage: Up to $7,000
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6hr (maximum of $1,500)
  • Terrorism: $35,000

Insurance premiums begin from $33.06.

Find out more about Allianz Global’s family travel insurance here.

 

3. Annual Multi-Trip Travel Insurance (Silver)

This insurance plan offers coverage for up to 90 days. It covers:

  • Medical expenses (overseas): Up to $1,000,000
  • Medical evacuation: Unlimited
  • Death and TPD: Up to $80,000
  • Loss or damage of luggage: Up to $12,000
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6hr (maximum of $1,500)
  • Terrorism: Up to $80,000

Insurance premiums begin from $161.

Find out more about Allianz Global’s annual multi-trip travel insurance here.

8. FWD Premium Travel Insurance

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  • Medical expenses (overseas): $200,000
  • Medical evacuation: Unlimited
  • Death and TPD: $200,000
  • Lost luggage: $300 per item (maximum of $3,000)
  • Trip cancellation: $7,500
  • Trip delay: $100 per 6h (mximum of $300)
  • Automatic travel cover extension: 7 days

In addition to the information listed below, FWD travel insurance also offers coverage for sports equipment for up to $2,000, pet care ($50 to $15) and home contents cover (up to $6000) for theft or fire to your home while you are away.

FWD insurance has one of the easiest claims processes. They offer a cashless medical claim process through their mobile app.

The app facilitates making claims for medical outpatient treatment from any of the approved clinics in Singapore as well as for worldwide emergency assistance. You can file claims for other losses on their online platform.

FWD currently has 20% off travel insurance plans with code “TRAVEL20”

Premiums for specific destinations on a per trip plan after the discount are listed below:

  1. Australia: $21.60 for 7 days and $33.60 for 14 days
  2. China: $21.60 for 7 days and $33.60 for 14 days
  3. Hong Kong: $21.60 for 7 days and $33.60 for 14 days
  4. Indonesia: $20 for 7 days and $30.40 for 14 days
  5. Japan: $21.60 for 7 days and $33.60 for 14 days
  6. Korea: $21.60 for 7 days and $33.60 for 14 days
  7. Malaysia: $20 for 7 days and $30.40 for 14 days
  8. Philippines: $20 for 7 days and $30.40 for 14 days
  9. Taiwan: $21.60 for 7 days and $33.60 for 14 days
  10. United States: $33.60 for 7 days and $52 for 14 days

Insurance premiums begin from $20.

Find out more about FWD’s premium travel insurance here.

9. FWD Business Travel Insurance

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: Unlimited
  • Death and TPD: $300,000
  • Lost luggage: $500 per item (maximum of $5,000)
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6h (maximum of $500)
  • Automatic travel cover extension: 14 days

FWD currently has 20% off travel insurance plans with code “TRAVEL20”

Premiums for specific destinations on a per trip plan after the discount are listed below:

  1. Australia: $33.60 for 7 days and $44.80 for 14 days
  2. China: $33.60 for 7 days and $44.80 for 14 days
  3. Hong Kong: $33.60 for 7 days and $44.80 for 14 days
  4. Indonesia: $27.20 for 7 days and $38.40 for 14 days
  5. Japan: $33.60 for 7 days and $44.80 for 14 days
  6. Korea: $33.60 for 7 days and $44.80 for 14 days
  7. Malaysia: $27.20 for 7 days and $38.40 for 14 days
  8. Philippines: $27.20 for 7 days and $38.40 for 14 days
  9. Taiwan: $33.60 for 7 days and $44.80 for 14 days
  10. United States: $43.20 for 7 days and $59.20 for 14 days

Insurance premiums begin from $27.20.

Find out more about FWD’s business travel insurance here.

10. FWD First Travel Insurance

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: Unlimited
  • Death and TPD: $400,000
  • Lost luggage: $500 per item (maximum of $7,500)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6h (maximum of $1,000)
  • Automatic travel cover extension: 21 days

FWD currently has 20% off travel insurance plans with code “TRAVEL20”

Premiums for specific destinations on a per trip plan after the discount are listed below:

  1. Australia: $42.40 for 7 days and $63.20 for 14 days
  2. China: $42.40 for 7 days and $63.20 for 14 days
  3. Hong Kong: $42.40 for 7 days and $63.20 for 14 days
  4. Indonesia: $35.20 for 7 days and $51.20 for 14 days
  5. Japan: $42.40 for 7 days and $63.20 for 14 days
  6. Korea: $42.40 for 7 days and $63.20 for 14 days
  7. Malaysia: $35.20 for 7 days and $51.20 for 14 days
  8. Philippines: $35.20 for 7 days and $51.20 for 14 days
  9. Taiwan: $42.40 for 7 days and $63.20 for 14 days
  10. United States: $73 for 7 days and $107 for 14 days

Insurance premiums begin from $35.20.

Find out more about FWD’s business travel insurance here.

11. Etiqa eProtect Travel Basic

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  • Medical expenses (overseas): $200,000
  • Medical evacuation: $1,500,000
  • Death and TPD: $200,000
  • Lost luggage: $250 per item (maximum of $2,000)
  • Trip cancellation: $5,000
  • Trip delay: $50 per 3h (maximum of $300)
  • Automatic travel cover extension: Up to 7 days

Etiqa’s travel insurance plans are suitable for travelers who plan to engage in leisure sports and some extreme sports covered by the policies.

Most travel insurance providers usually only offer coverage for common leisure sports such as bungee jumping and hand gliding in their premium plans. However, Etiqa’s Basic travel insurance plan offers coverage for these common leisure sports.

The insurance provider offers a hassle-free claims process via its online platform as well as 24-hour emergency travel support.

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $20.87 for 7 days and $32.88 for 14 days
  2. China: $20.87 for 7 days and $32.88 for 14 days
  3. Hong Kong: $22.84 for 7 days and $35.98 for 14 days
  4. Indonesia: $17.90 for 7 days and $25.97 for 14 days
  5. Japan: $20.87 for 7 days and $32.88 for 14 days
  6. Korea: $20.87 for 7 days and $32.88 for 14 days
  7. Malaysia: $19.89 for 7 days and $28.86 for 14 days
  8. Philippines: $19.89 for 7 days and $28.86 for 14 days
  9. Taiwan: $20.87 for 7 days and $32.88 for 14 days
  10. United States: $29.89 for 7 days and $49.88 for 14 days

Insurance premiums begin from $17.90.

Find out more about Etiqa’s eProtect Travel Basic travel insurance plan here.

Download Etiqa’s eProtect Travel Basic brochure here.

12. Etiqa eProtect Travel Economy

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: $1,500,000
  • Death and TPD: $300,000
  • Lost luggage: $250 per item (maximum of $3,000)
  • Trip cancellation: $10,000
  • Trip delay: $50 per 3h (maximum of $500)
  • Automatic travel cover extension: Up to 7 days

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $43.55 for 7 days and $64.03 for 14 days
  2. China: $43.55 for 7 days and $64.03 for 14 days
  3. Hong Kong: $47.65 for 7 days and $70.07 for 14 days
  4. Indonesia: $23.82 for 7 days and $34.73 for 14 days
  5. Japan: $32.34 for 7 days and $48.40 for 14 days
  6. Korea: $32.34 for 7 days and $48.40 for 14 days
  7. Malaysia: $26.46 for 7 days and $38.59 for 14 days
  8. Philippines: $26.46 for 7 days and $38.59 for 14 days
  9. Taiwan: $32.34 for 7 days and $48.40 for 14 days
  10. United States: $44.90 for 7 days and $68.18 for 14 days

Insurance premiums begin from $32.16.

Find out more about Etiqa’s eProtect Travel Economy travel insurance plan here.

Download Etiqa’s eProtect Travel Economy brochure here.

13. Etiqa eProtect Travel Business

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: $1,500,000
  • Death and TPD: $400,000
  • Lost luggage: $250 per item (maximum of $5,000)
  • Trip cancellation: $15,000
  • Trip delay: $50 per 3h (maximum of $800)
  • Automatic travel cover extension: Up to 7 days

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $43.55 for 7 days and $64.03 for 14 days
  2. China: $43.55 for 7 days and $64.03 for 14 days
  3. Hong Kong: $47.65 for 7 days and $70.07 for 14 days
  4. Indonesia: $32.16 for 7 days and $46.96 for 14 days
  5. Japan: $43.55 for 7 days and $64.03 for 14 days
  6. Korea: $43.55 for 7 days and $64.03 for 14 days
  7. Malaysia: $35.74 for 7 days and $52.18 for 14 days
  8. Philippines: $35.74 for 7 days and $52.18 for 14 days
  9. Taiwan: $43.55 for 7 days and $64.03 for 14 days
  10. United States: $65.76 for 7 days and $96.53 for 14 days

Insurance premiums begin from $35.74.

Find out more about Etiqa’s eProtect Travel Business travel insurance plan here.

Download Etiqa’s eProtect Travel Business brochure here.

14. AVIVA Travel Lite Travel Insurance

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  • Medical expenses (overseas): $250,000
  • Medical evacuation: $250,000
  • Death and TPD: $50,000
  • Lost luggage: $3000 (Up to $700 per article)
  • Trip cancellation: $5,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Aviva’s travel insurance is sold in three tiers: Aviva Travel Lite, Aviva Travel Plus and Aviva Travel Prestige.

Their prices are also pretty affordable and comparable to the other insurance providers.

AVIVA currently has 28% off travel insurance plans with code “TRAVEL28”

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $31.75 for 7 days and $46.72 for 14 days
  2. China: $31.75 for 7 days and $46.72 for 14 days
  3. Hong Kong: $31.75 for 7 days and $46.72 for 14 days
  4. Indonesia: $25.12 for 7 days and $36.96 for 14 days
  5. Japan: $31.75 for 7 days and $46.72 for 14 days
  6. Korea: $31.75 for 7 days and $46.72 for 14 days
  7. Malaysia: $25.12 for 7 days and $36.96 for 14 days
  8. Philippines: $25.12 for 7 days and $36.96 for 14 days
  9. Taiwan: $31.75 for 7 days and $46.72 for 14 days
  10. United States: $47.56 for 7 days and $69.98 for 14 days

Insurance premiums begin from $25.12.

Find out more about AVIVA’s Travel Lite travel insurance plan here.

Download AVIVA’s Travel Lite travel insurance brochure here.

15. AVIVA Travel Plus Travel Insurance

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  • Medical expenses (overseas): $2,000,000
  • Medical evacuation: $2,000,000
  • Death and TPD: $100,000
  • Lost luggage: $5000 (Up to $700 per article)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Compared to the AVIVA Travel Lite plan, the AVIVA Travel Plus plan is slightly more expensive but boasts a generous coverage of up to $2,000,000 on overseas medical expenses. 

AVIVA currently has 28% off travel insurance plans with code “TRAVEL28”

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $44.10 for 7 days and $64.89 for 14 days
  2. China: $44.10 for 7 days and $64.89 for 14 days
  3. Hong Kong: $44.10 for 7 days and $64.89 for 14 days
  4. Indonesia: $34.96 for 7 days and $51.44 for 14 days
  5. Japan: $44.10 for 7 days and $64.89 for 14 days
  6. Korea: $44.10 for 7 days and $64.89 for 14 days
  7. Malaysia: $34.96 for 7 days and $51.44 for 14 days
  8. Philippines: $34.96 for 7 days and $51.44 for 14 days
  9. Taiwan: $44.10 for 7 days and $64.89 for 14 days
  10. United States: $66.22 for 7 days and $97.44 for 14 days

Insurance premiums begin from $34.96.

Find out more about AVIVA’s Travel Plus travel insurance plan here.

Download AVIVA’s Travel Plus travel insurance brochure here.

16. AVIVA Travel Prestige Travel Insurance

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  • Medical expenses (overseas): $2,000,000
  • Medical evacuation: $2,000,000
  • Death and TPD: $100,000
  • Lost luggage: $5000 (up to $700 per article)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Compared to the AVIVA Travel Lite plan, the AVIVA Travel Plus plan is slightly more expensive but boasts a generous coverage of up to $2,000,000 on overseas medical expenses. 

AVIVA currently has 28% off travel insurance plans with code “TRAVEL28”

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $44.10 for 7 days and $64.89 for 14 days
  2. China: $44.10 for 7 days and $64.89 for 14 days
  3. Hong Kong: $44.10 for 7 days and $64.89 for 14 days
  4. Indonesia: $34.96 for 7 days and $51.44 for 14 days
  5. Japan: $44.10 for 7 days and $64.89 for 14 days
  6. Korea: $44.10 for 7 days and $64.89 for 14 days
  7. Malaysia: $34.96 for 7 days and $51.44 for 14 days
  8. Philippines: $34.96 for 7 days and $51.44 for 14 days
  9. Taiwan: $44.10 for 7 days and $64.89 for 14 days
  10. United States: $66.22 for 7 days and $97.44 for 14 days

Insurance premiums begin from $34.96.

Find out more about AVIVA’s Travel Lite travel insurance plan here.

Download AVIVA’s Travel Plus travel insurance brochure here.

17. AXA Smart Traveller Essential

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  • Medical expenses (overseas): Up to $300,000
  • Medical evacuation: Unlimited
  • Death and TPD: Up to $200,000
  • Lost luggage: Up to $5000 
  • Trip cancellation: Up to $6,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Compared to its other counterparts, AXA’s travel insurance plans veer more torwards the pricier side. That said, the price you pay is also matched by their coverage. 

Their travel insurance plans have higher than average limitations on emergency expenses. They also have higher coverage limits for medical expenses, lost baggage and trip cancellations.

AXA is currently offering 30% off their single trip travel insurance plans. 

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $41.80 for 7 days and $70.80 for 14 days
  2. China: $41.80 for 7 days and $70.80 for 14 days
  3. Hong Kong: $41.80 for 7 days and $70.80 for 14 days
  4. Indonesia: $41.80 for 7 days and $70.80 for 14 days
  5. Japan: $41.80 for 7 days and $70.80 for 14 days
  6. Korea: $41.80 for 7 days and $70.80 for 14 days
  7. Malaysia: $41.80 for 7 days and $70.80 for 14 days
  8. Philippines: $41.80 for 7 days and $70.80 for 14 days
  9. Taiwan: $41.80 for 7 days and $70.80 for 14 days
  10. United States: $55.96 for 7 days and $95.08 for 14 days

Insurance premiums begin from $41.80.

Find out more about AXA’s SmartTraveller Essential travel insurance plan here.

Download AXA’s SmartTraveller Essential travel insurance brochure here.

18. AXA Smart Traveller Comprehensive

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  • Medical expenses (overseas): Up to $600,000
  • Medical evacuation: Unlimited
  • Death and TPD: Up to $350,000
  • Lost luggage: Up to $10,000 
  • Trip cancellation: Up to $12,000
  • Trip delay: $100 per 6h (maximum of $2,000)

AXA is currently offering 30% off their single trip travel insurance plans. 

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $53.27 for 7 days and $103.17 for 14 days
  2. China: $53.27 for 7 days and $103.17 for 14 days
  3. Hong Kong: $53.27 for 7 days and $103.17 for 14 days
  4. Indonesia: $53.27 for 7 days and $103.17 for 14 days
  5. Japan: $53.27 for 7 days and $103.17 for 14 days
  6. Korea: $53.27  for 7 days and $103.17 for 14 days
  7. Malaysia: $53.27 for 7 days and $103.17 for 14 days
  8. Philippines: $53.27 for 7 days and $103.17 for 14 days
  9. Taiwan: $53.27 for 7 days and $103.17 for 14 days
  10. United States: $69.45 for 7 days and $133.51 for 14 days

Insurance premiums begin from $53.27.

Find out more about AXA’s SmartTraveller Comprehensive travel insurance plan here.

Download AXA’s SmartTraveller Comprehensive travel insurance brochure here.

19. Hong Leong Assurance Travel Insurance Basic

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  • Medical expenses (overseas): $150,000
  • Medical evacuation: Unlimited
  • Death and TPD: $200,000
  • Lost luggage: $3,000 
  • Trip cancellation: Up to $5,000
  • Trip delay: $100 per 6h (maximum of $1,000)

HL Assurance offers three affordable travel insurance plans (Basic, Enhanced and Superior) with pretty decent coverage. 

Their travel insurance plans are more suited for those that are looking for policies which focus more on travel inconvenience such as trip cancellation, baggage loss or damage.

Sports enthusiasts and thrill seekers should note that HL Assurance’s travel insurance does not cover for any losses or damages arising from adventurous activity. 

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $24 for 7 days and $38 for 14 days
  2. China: $24 for 7 days and $38 for 14 days
  3. Hong Kong: $24 for 7 days and $38 for 14 days
  4. Indonesia: $21.60 for 7 days and $31.60 for 14 days
  5. Japan: $24 for 7 days and $38 for 14 days
  6. Korea: $24 for 7 days and $38 for 14 days
  7. Malaysia: $21.60 for 7 days and $31.60 for 14 days
  8. Philippines: $21.60 for 7 days and $31.60 for 14 days
  9. Taiwan: $24 for 7 days and $38 for 14 days
  10. United States: $30.80 for 7 days and $68.80 for 14 days

Insurance premiums begin from $21.60.

Find out more about Hong Leong Assurance’s Basic travel insurance plan here.

Download Hong Leong Assurance’s Basic travel insurance brochure here.

20. Hong Leong Assurance Travel Insurance Enhanced

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  • Medical expenses (overseas): $150,000
  • Medical evacuation: Unlimited
  • Death and TPD: $200,000
  • Lost luggage: $3,000 
  • Trip cancellation: Up to $5,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $29.20 for 7 days and $45.20 for 14 days
  2. China: $29.20 for 7 days and $45.20 for 14 days
  3. Hong Kong: $29.20 for 7 days and $45.20 for 14 days
  4. Indonesia: $27.20 for 7 days and $38 for 14 days
  5. Japan: $29.20 for 7 days and $45.20 for 14 days
  6. Korea: $29.20  for 7 days and $45.20 for 14 days
  7. Malaysia: $27.20 for 7 days and $38 for 14 days
  8. Philippines: $27.20 for 7 days and $38 for 14 days
  9. Taiwan: $29.20 for 7 days and $45.20 for 14 days
  10. United States: $42 for 7 days and $66 for 14 days

Insurance premiums begin from $27.20.

Find out more about Hong Leong Assurance’s Enhanced travel insurance plan here.

Download Hong Leong Assurance’s Enhanced travel insurance brochure here.

21. Hong Leong Assurance Travel Insurance Superior

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: Unlimited
  • Death and TPD: $300,000
  • Lost luggage: $7,000 
  • Trip cancellation: Up to $5,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $38.40 for 7 days and $58 for 14 days
  2. China: $38.40 for 7 days and $58 for 14 days
  3. Hong Kong: $38.40 for 7 days and $58 for 14 days
  4. Indonesia: $35.20 for 7 days and $49.20 for 14 days
  5. Japan: $38.40 for 7 days and $58 for 14 days
  6. Korea: $38.40 for 7 days and $58 for 14 days
  7. Malaysia: $35.20 for 7 days and $49.20 for 14 days
  8. Philippines: $35.20 for 7 days and $49.20 for 14 days
  9. Taiwan: $38.40 for 7 days and $58 for 14 days
  10. United States: $54.40 for 7 days and $85.60 for 14 days

Insurance premiums begin from $35.20.

Find out more about Hong Leong Assurance’s Enhanced travel insurance plan here.

Download Hong Leong Assurance’s Enhanced travel insurance brochure here.

22. ERGO TravelProtect Essential

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  • Medical expenses (overseas): $200,000
  • Medical evacuation: Unlimited
  • Death and TPD: $200,000
  • Lost luggage: $3,000 (Up to $500 per article)
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6h (maximum of $1,000)

ERGO’s travel insurance plans are pretty average in value and they have four plans: Basic (for single trips to Batam/Malaysia/Bintan islands) Essential, Standard and Deluxe for you to choose from.

Their medical coverage is pretty decent but they have above average coverage from issues arising from trip inconvenience such as flight delays and baggage loss.

Their plans also come in the form of per trip and annual multi-trip.

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $28.80 for 7 days and $44.80 for 14 days
  2. China: $28.80 for 7 days and $44.80 for 14 days
  3. Hong Kong: $28.80 for 7 days and $44.80 for 14 days
  4. Indonesia: $24 for 7 days and $36 for 14 days
  5. Japan: $28.80 for 7 days and $44.80 for 14 days
  6. Korea: $28.80 for 7 days and $44.80 for 14 days
  7. Malaysia: $24 for 7 days and $36 for 14 days
  8. Philippines: $24 for 7 days and $36 for 14 days
  9. Taiwan: $28.80 for 7 days and $44.80 for 14 days
  10. United States: $42.40 for 7 days and $66.40 for 14 days

Insurance premiums begin from $24.

Find out more about ERGO’s TravelProtect Essential travel insurance plan here.

Download ERGO’s TravelProtect Essential travel insurance brochure here.

23. ERGO TravelProtect Standard

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: Unlimited
  • Death and TPD: $300,000
  • Lost luggage: $5,000 (Up to $500 per article)
  • Trip cancellation: $13,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $42.40 for 7 days and $56 for 14 days
  2. China: $42.40 for 7 days and $56 for 14 days
  3. Hong Kong: $42.40 for 7 days and $56 for 14 days
  4. Indonesia: $32.80 for 7 days and $36 for 14 days
  5. Japan: $42.40 for 7 days and $56 for 14 days
  6. Korea: $42.40 for 7 days and $56 for 14 days
  7. Malaysia: $32.80 for 7 days and $36 for 14 days
  8. Philippines: $32.80 for 7 days and $36 for 14 days
  9. Taiwan: $42.40 for 7 days and $56 for 14 days
  10. United States: $52.80 for 7 days and $71.20 for 14 days

Insurance premiums begin from $32.80.

Find out more about ERGO’s TravelProtect Standard travel insurance plan here.

Download ERGO’s TravelProtect Standard travel insurance brochure here.

24. ERGO TravelProtect Deluxe

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: Unlimited
  • Death and TPD: $400,000
  • Lost luggage: $8,000 (Up to $500 per article)
  • Trip cancellation: $15,000
  • Trip delay: $100 per 6h (maximum of $1,000)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $51.20 for 7 days and $76 for 14 days
  2. China: $51.20 for 7 days and $76 for 14 days
  3. Hong Kong: $51.20 for 7 days and $76 for 14 days
  4. Indonesia: $38.40 for 7 days and $56 for 14 days
  5. Japan: $51.20 for 7 days and $76 for 14 days
  6. Korea: $51.20 for 7 days and $76 for 14 days
  7. Malaysia: $38.40 for 7 days and $56 for 14 days
  8. Philippines: $38.40 for 7 days and $56 for 14 days
  9. Taiwan: $51.20 for 7 days and $76 for 14 days
  10. United States: $67.20 for 7 days and $98.40 for 14 days

Insurance premiums begin from $32.80.

Find out more about ERGO’s TravelProtect Deluxe travel insurance plan here.

Download ERGO’s TravelProtect Deluxe travel insurance brochure here.

25. Tokio Marine XPLORA Classic

best travel insurance plans tokio marine
  • Medical expenses (overseas): $300,000
  • Medical evacuation: $500,000
  • Death and TPD: $200,000
  • Lost luggage: $5,000 
  • Trip cancellation: $5,000
  • Trip delay: $100 per 6h (maximum of $1,200)

After going through an update of their plan coverage, Tokio Marine’s travel insurance plans now have better coverage as they increased the limits for a few of their claims.

They have more niche and added coverage such as pet care benefits, loss of frequent flyer points and alternative travel arrangement.

For adrenaline junkies, you’ll be glad to know that Tokio Marine also covers for adventure sports such as bungee jumping and skydiving. Something that some other insurers don’t cover.

A thing to note about Tokio Marine’s travel insurance plans is that they only split their zones into Asia and Worldwide. Unlike other insurers who segregate the regions into three tiers – ASEAN, Asia and Worldwide. This means you’ll be maximising the insurance plan if you’re travelling to places like Australia or Japan, which usually fall under the second tier.

Their pricing is also pretty comparable to other mid-tier insurance companies.

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $36 for 7 days and $48.60 for 14 days
  2. China: $36 for 7 days and $48.60 for 14 days
  3. Hong Kong: $36 for 7 days and $48.60 for 14 days
  4. Indonesia: $36 for 7 days and $48.60 for 14 days
  5. Japan: $36 for 7 days and $48.60 for 14 days
  6. Korea: $36 for 7 days and $48.60 for 14 days
  7. Malaysia: $36 for 7 days and $48.60 for 14 days
  8. Philippines: $36 for 7 days and $48.60 for 14 days
  9. Taiwan: $36 for 7 days and $48.60 for 14 days
  10. United States: $51.60 for 7 days and $69.60 for 14 days

Insurance premiums begin from $36.

Find out more about Tokio Marine’s XPLORA Classic travel insurance plan here.

Download Tokio Marine’s XPLORA Classic travel insurance brochure here.

26. Tokio Marine XPLORA Premier

best travel insurance plans tokio marine
  • Medical expenses (overseas): $500,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $300,000
  • Lost luggage: $7,500
  • Trip cancellation: $10,000
  • Trip delay: $100 per 6h (maximum of $1,200)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $46.80 for 7 days and $63 for 14 days
  2. China: $46.80 for 7 days and $63 for 14 days
  3. Hong Kong: $46.80 for 7 days and $63 for 14 days
  4. Indonesia: $46.80 for 7 days and $63 for 14 days
  5. Japan: $46.80 for 7 days and $63 for 14 days
  6. Korea: $46.80 for 7 days and $63 for 14 days
  7. Malaysia: $46.80 for 7 days and $63 for 14 days
  8. Philippines: $46.80 for 7 days and $63 for 14 days
  9. Taiwan: $46.80 for 7 days and $63 for 14 days
  10. United States: $66.60 for 7 days and $80.40 for 14 days

Insurance premiums begin from $46.80.

Find out more about Tokio Marine’s XPLORA Premier travel insurance plan here.

Download Tokio Marine’s XPLORA Premier travel insurance brochure here.

27. American Express My VoyageGuard Essential

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  • Medical expenses (overseas): $500,000
  • Medical evacuation: $500,000
  • Death and TPD: $125,000
  • Lost luggage: $3,500
  • Trip cancellation: $5,000
  • Trip delay: $200 per 6h (maximum of $800)

American Express’s VoyageGuard travel insurance comes in three different plans offering varied forms of coverage and pricing: Essential, Standard and Superior for both single and annual multi-trip coverage.

A thing to note about their annual plans is that they veer more towards the pricier side.

As a single traveller, their comprehensive medical and personal accident coverage might interest you. They also cover for things such as loss of frequent flyer points and terrorism. However, they do not cover for pre-exisiting medical conditions.

Those who are more adventurous will be glad to know that their coverage extends to winter sports and golfing add-ons. However, they do not cover for extreme sports such as mountaineering and potholing.

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $30.55 for 7 days and $42.25 for 14 days
  2. China: $30.55 for 7 days and $42.25 for 14 days
  3. Hong Kong: $30.55 for 7 days and $42.25 for 14 days
  4. Indonesia: $24.05 for 7 days and $34.15 for 14 days
  5. Japan: $30.55 for 7 days and $42.25 for 14 days
  6. Korea: $30.55 for 7 days and $42.25 for 14 days
  7. Malaysia: $24.05 for 7 days and $34.45 for 14 days
  8. Philippines: $24.05 for 7 days and $34.45 for 14 days
  9. Taiwan: $30.55 for 7 days and $42.25 for 14 days
  10. United States: $55.90 for 7 days and $66.30 for 14 days

Insurance premiums begin from $24.05.

Find out more about American Express’s My VoyageGuard Essential travel insurance plan here.

28. American Express My VoyageGuard Standard

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: $1,000,000
  • Death and TPD: $250,000
  • Lost luggage: $5,000 (up to $500 per article)
  • Trip cancellation: $10,000
  • Trip delay: $200 per 6h (maximum of $1,200)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $41.60 for 7 days and $57.85 for 14 days
  2. China: $41.60 for 7 days and $57.85 for 14 days
  3. Hong Kong: $41.60 for 7 days and $57.85 for 14 days
  4. Indonesia: $38.35 for 7 days and $46.15 for 14 days
  5. Japan: $41.60 for 7 days and $57.85 for 14 days
  6. Korea: $41.60 for 7 days and $57.85 for 14 days
  7. Malaysia: $38.35 for 7 days and $46.15 for 14 days
  8. Philippines: $38.35 for 7 days and $46.15 for 14 days
  9. Taiwan: $41.60 for 7 days and $57.85 for 14 days
  10. United States: $68.25 for 7 days and $76.05 for 14 days

Insurance premiums begin from $38.35.

Find out more about American Express’s My VoyageGuard Standard travel insurance plan here.

29. American Express My VoyageGuard Superior

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  • Medical expenses (overseas): $1,000,000
  • Medical evacuation: Unlimited
  • Death and TPD: $500,000
  • Lost luggage: $8,000 (up to $500 per article)
  • Trip cancellation: $20,000
  • Trip delay: $200 per 6h (maximum of $2,400)

Premiums for specific destinations on a per trip plan are as outlined below:

  1. Australia: $62.40 for 7 days and $79.95 for 14 days
  2. China: $62.40 for 7 days and $79.95 for 14 days
  3. Hong Kong: $62.40 for 7 days and $79.95 for 14 days
  4. Indonesia: $48.10 for 7 days and $64.35 for 14 days
  5. Japan: $62.40 for 7 days and $79.95 for 14 days
  6. Korea: $62.40 for 7 days and $79.95 for 14 days
  7. Malaysia: $48.10 for 7 days and $64.35 for 14 days
  8. Philippines: $48.10 for 7 days and $64.35 for 14 days
  9. Taiwan: $62.40 for 7 days and $79.95 for 14 days
  10. United States: $92.30 for 7 days and $105.30 for 14 days

Insurance premiums begin from $48.10.

Find out more about American Express’s My VoyageGuard Superior travel insurance plan here.

Disclaimer: At Money Kinetics, we aim to provide our readers with information that is relevant and up to date. However, this information might differ from when you visit the specific provider’s site or the relevant financial institution. All insurance plans listed above are presented without warranty. We may receive compensation for our reviews but still strive to remain objectivity and accuracy.

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