Whether you’re planning a relaxing beach vacation or a trip in a foreign city, safeguarding your family’s well-being is paramount for your peace of mind. Learn about the best travel insurance plans in Singapore that cater to kids, adults, and elders.
Having travel insurance when travelling should be non-negotiable. If you’re travelling with your loved ones, it’s vital to get comprehensive coverage for everyone in tow, wherever you go.
When picking the best travel insurance for families, be sure to take into account medical coverage for children and elderly relatives. This expands to cover trip cancellations or delays and hospital visits. You may even have some family members with an adventurous streak in them, making travel insurance covering recreational activities a good add-on.
This article explores the different types of travel insurance plans that cater for families, so that you can pick the best one for you and your brood.
Related: 5 Things You Must Consider When Buying Travel Insurance
MSIG TravelEasy
MSIG TravelEasy insurance in Singapore offers comprehensive coverage for individuals and adult and children or families. It offers a wide range of benefits to address various travel risks.
Individual Travel Insurance
Insurance Plan & Coverage Type |
Standard Plan |
Elite Plan |
Premier Plan |
Accidental Death & Total Permanent Disability |
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Adult below 70 years |
S$150,000 |
S$200,000 |
S$500,000 |
Adult 70 years & above |
S$50,000 |
S$75,000 |
S$100,000 |
Child |
S$50,000 |
S$75,000 |
S$100,000 |
Overseas Medical Expenses |
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Adult below 70 years |
S$250,000 |
S$500,000 |
S$1,000,000 |
Adult 70 years & above |
S$50,000 |
S$75,000 |
S$100,000 |
Child |
S$150,000 |
S$200,000 |
S$300,000 |
Medical Expenses in Singapore Treatment within 72 hours of return to Singapore |
|||
Adult below 70 years |
S$25,000 |
S$50,000 |
S$75,000 |
Adult 70 years & above |
S$5,000 |
S$7,500 |
S$10,000 |
Child |
S$10,000 |
S$20,000 |
S$30,000 |
Traditional Chinese Medicine Expenses |
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Adult |
S$200 |
S$400 |
S$600 |
Child |
S$100 |
S$250 |
S$300 |
Emergency Medical Evacuation & Repatriation |
S$1,000,000 |
||
Travel Cancellation |
S$5,000 |
S$10,000 |
S$15,000 |
Delayed Departure |
S$100 Max S$500 |
S$100 Max S$1,000 |
S$100 Max S$1,500 |
Loss of Travel Documents |
S$2,000 |
S$3,000 |
S$5,000 |
Fraudulent Use of Credit Card |
Not available |
S$2,000 |
S$3,000 |
Personal Liability |
|||
Adult |
S$500,000 |
S$1,000,000 |
S$1,000,000 |
Child |
S$250,000 |
S$500,000 |
S$500,000 |
Terrorism Cover |
S$200,000 |
S$300,000 |
S$500,000 |
Promotion |
Exclusive Promo with AMTD PolicyPal Group
|
Adult & Children/Family (in total)¹ Travel Insurance
Insurance Plan & Coverage Type |
Standard Plan |
Elite Plan |
Premier Plan |
Accidental Death & Total Permanent Disability |
S$400,000 |
S$550,000 |
S$1,200,000 |
Overseas Medical Expenses |
S$800,000 |
S$1,400,000 |
S$2,600,000 |
Medical Expenses in Singapore Treatment within 72 hours of return to Singapore |
S$70,000 |
S$140,000 |
S$210,000 |
Traditional Chinese Medicine Expenses |
S$600 |
S$1,300 |
S$1,800 |
Emergency Medical Evacuation & Repatriation |
S$1,000,000 |
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Travel Cancellation |
S$12,500 |
S$25,000 |
S$37,500 |
Delayed Departure |
S$1,000 |
S$2,000 |
S$3,000 |
Loss of Travel Documents |
S$4,000 |
S$6,000 |
S$10,000 |
Fraudulent Use of Credit Card |
Not available |
S$2,000 |
S$3,000 |
Personal Liability |
S$500,000 |
S$1,000,000 |
S$1,000,000 |
Terrorism Cover |
S$800,000 |
S$1,200,000 |
S$2,000,000 |
Promotion |
|
1The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.
Allianz Travel
Insurance Plan & Coverage Type |
Bronze Plan |
Silver Plan |
Platinum Plan |
Accidental Death & Permanent Total Disability |
S$50,000 |
S$100,000 |
S$100,000 |
Overseas Emergency Medical and Dental Coverage |
|||
Ages 0 – 69 years |
S$250,000 |
S$500,000 |
S$1,000,000 |
Ages 70 years and above |
S$50,000 |
S$75,000 |
S$100,000 |
Dental care maximum sublimit: |
S$250 |
S$250 |
S$250 |
Traditional Chinese Medicine sublimit: |
S$200 |
S$250 |
S$300 |
Continuation of medical treatment in Singapore for maximum of 14 days: |
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Ages 0 – 69 years |
Not Covered |
S$2,000 |
S$2,500 |
Ages 70 years and above |
S$1,000 |
S$1,250 |
|
Trip Cancellation Coverage |
S$5,000 |
S$5,000 |
S$10,000 |
Travel Delay Coverage |
S$800 |
S$1,200 |
S$1,600 |
Daily limit: |
S$400 |
S$400 |
S$400 |
Identification document coverage |
S$250 |
S$250 |
S$250 |
Personal Liability Coverage |
Not Covered |
S$1,000,000 |
S$1,000,000 |
Promotion |
|
Tiq Travel
Insurance Plan & Coverage Type |
Entry |
Savvy |
Luxury |
Personal Accident (Accidental Death and Permanent Disablement) |
|||
Adult aged below 70 years old |
S$150,000 |
S$300,000 |
S$500,000 |
Adult aged above 70 years old |
S$30,000 |
S$40,000 |
S$50,000 |
Child |
S$50,000 |
S$100,000 |
S$200,000 |
Medical Expenses Incurred Overseas |
|||
Adult aged below 70 years old |
S$200,000 |
S$500,000 |
S$1,000,000 |
Adult aged above 70 years old |
S$30,000 |
S$50,000 |
S$75,000 |
Child |
S$75,000 |
S$150,000 |
S$250,000 |
Medical Expenses Incurred in Singapore |
|||
Adult aged below 70 years old |
Not covered |
S$7,500 |
S$10,000 |
Adult aged above 70 years old |
Not covered |
S$1,000 |
S$3,000 |
Child |
Not covered |
S$2,500 |
S$5,000 |
Emergency Medical Evacuation |
Combined limit up to S$1,000,000 |
Combined limit up to S$1,500,000 |
Combined limit up to S$1,800,000 |
Repatriation of Mortal Remains to Singapore |
|||
Trip Cancellation and Loss of Deposit |
S$5,000 |
S$5,000 |
S$10,000 |
Loss of Travel Documents (including money) |
Personal Money; S$100 Personal Documents; S$150 |
Personal Money; S$300 Personal Documents; S$250 |
Personal Money; S$500 Personal Documents; S$500 |
Travel Delay |
S$300 (S$50 per 3hrs) |
S$300 (S$50 per 3hrs) |
S$500 (S$50 per 3hrs) |
Personal Liability |
S$250,000 |
S$500,000 |
S$750,000 |
Act of Terrorism |
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Adult aged below 70 years old |
S$100,000 |
S$200,000 |
S$300,000 |
Adult aged above 70 years old |
S$30,000 |
S$40,000 |
S$50,000 |
Child |
S$50,000 |
S$75,000 |
S$100,000 |
Promotion |
|
Starr TraveLead
Insurance Plan & Coverage Type |
Bronze |
Silver |
Gold |
Accidental Death and Disablement |
|||
Insured Person of age below 18 |
S$60,000 |
S$90,000 |
S$120,000 |
Insured Person of age 18 to 70 |
S$150,000 |
S$300,000 |
S$500,000 |
Insured Person of age above 70 |
S$40,000 |
S$60,000 |
S$80,000 |
Medical Expenses (Include A, B and C) |
S$200,000 (sub-limit as below) |
S$500,000 (sub-limit as below) |
S$1,000,000 (sub-limit as below) |
Insured Person of age below 18 |
S$60,000 |
S$150,000 |
S$300,000 |
Insured Person of age 18 to 70 |
S$200,000 |
S$500,000 |
S$1,000,000 |
Insured Person of age above 70 |
S$40,000 |
S$100,000 |
S$200,000 |
A. Follow-up Medical Treatment in Singapore |
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Insured Person of age below 18 |
S$2,000 |
S$4,000 |
S$8,000 |
Insured Person of age 18 to 70 |
S$15,000 |
S$20,000 |
S$50,000 |
Insured Person of age above 70 |
S$1,500 |
S$2,500 |
S$5,000 |
B. Chinese Medicine, Bone-setting, Acupuncture, Physiotherapy and Chiropractic Treatment -Sub-limit per day / visit / trip |
S$100/day/visit & S$200/trip |
S$100/day/visit & S$400/trip |
S$100/day/visit & S$600/trip |
C. Overseas Hospital Cash |
S$200/day & S$5,000/trip |
S$200/day & S$10,000/trip |
S$200/day & S$15,000/trip |
Document Loss |
S$2,000 |
S$3,000 |
S$4,000 |
Trip Cancellation |
S$5,000 |
S$10,000 |
S$15,000 |
Personal Liability |
S$500,000 |
S$800,000 |
S$1,000,000 |
FWD Travel Insurance: Best for Enhanced Family Travel Insurance Coverage
Insurance Plan & Coverage Type |
Premium |
Business |
First |
Accidental Death or Permanent Disability (Benefit Limit Per Person) |
|||
Adult below 70 years old |
S$200,000 |
S$300,000 |
S$400,000 |
Adult 70 years old or older |
S$40,000 |
S$60,000 |
S$80,000 |
Overall limit for Family Plans |
S$500,000 |
S$750,000 |
S$1,000,000 |
Child younger than 21 and covered under Family Plans |
S$60,000 |
S$90,000 |
S$120,000 |
Overseas Medical Expenses |
|||
Adult below 70 years old |
S$200,000 |
S$500,000 |
S$1,000,000 |
Adult 70 years old or older |
S$40,000 |
S$100,000 |
S$200,000 |
Dental expenses (caused by Accident) sub-limit |
S$2,000 |
S$5,000 |
S$5,000 |
Overall limit for Family Plans |
S$500,000 |
S$1,250,000 |
S$2,500,000 |
Child younger than 21 and covered under Family Plans |
S$60,000 |
S$150,000 |
S$300,000 |
Mobility aids sub-limit |
Not Covered |
S$500 |
S$1,000 |
Medical Expenses After Returning to Singapore |
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Adult below 70 years old |
S$6,000 |
S$15,000 |
S$30,000 |
Adult 70 years old or older |
S$1,200 |
S$3,000 |
S$6,000 |
Dental expenses (caused by Accident) sub-limit |
S$2,000 |
S$5,000 |
S$5,000 |
Overall limit for Family Plans |
S$15,000 |
S$37,500 |
S$75,000 |
Child younger than 21 and covered under Family Plans |
S$1,800 |
S$4,500 |
S$9,000 |
Mobility aids sub-limit |
Not Covered |
S$500 |
S$1,000 |
Chinese medicine, physiotherapist and chiropractor |
S$300 |
S$500 |
S$500 |
Personal Liability |
S$500,000 |
S$750,000 |
S$1,000,000 |
Loss of passport, travel documents & theft of money Note: sub-limit for theft of money is S$300 |
S$300 |
S$600 |
S$1,000 |
Emergency medical evacuation & repatriation |
Unlimited |
Unlimited |
Unlimited |
Related: Is Annual Travel Insurance right for you?
Five Questions You May Have on Travel Insurance for Families
What other add-ons can I consider for my travel insurance package?
Some travel insurers provide coverage for adventurous activities, golfing, and also pre-existing conditions. While this may include a nominal extra sum based on your choice, it pays to stay protected while you’re exposed to added risks while travelling.
How much do family travel insurance premiums cost?
This depends on the duration of your stay and the destination itself, as well as the number of people, their age group, and if they have any medical conditions they need extra coverage for.
Want to find out more about travel insurance costs? Find out here.
Do I still need COVID-19 coverage when I travel with my family?
While most travel insurers provide coverage for COVID-19 (either embedded or as a rider/optional add-on), it would be good to find out what their family plan limits are. This would be especially handy if one or more of your family members contact COVID-19 before, during, or after travelling abroad.
Is the complimentary travel insurance from my credit card enough?
Credit cards, especially miles cards, tend to provide complimentary travel insurance coverage. This may not extend to your family members nor have ample coverage limits based on your needs. It’s always best to supplement it with a basic or comprehensive travel insurance plan.
What are the best travel insurance companies in Singapore?
That’s quite hard to pin down, as there’s no one-size-fits-all for travel insurance. The best thing you can do is compare travel insurance plans and go for the one which has the best reviews and coverage that you need.
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Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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