AMTD PolicyPal Uncover essential tips for travel preparation with kids, including travel insurance coverage.
You’ve got that itch to travel the world with your little adventurers, but you’re wary about travelling with them too. This is completely understandable, as travelling with kids requires a little bit of extra packing, more personalised planning, and a good dose of patience.
In this article, find out how to survive travelling with children, including a must-have in your travel plans—travel insurance.
Related: Why You Need Travel Insurance To Travel Even if Some Countries Don’t Require One if You’re Fully Vaccinated
Things to prepare for your trip
This list outlines essential to-dos from the time you book your travel tickets to when you’re heading off to the airport. It covers everything from travel documents to keeping your kids entertained.
Book your flight time and seating to suit your kids best
If you’re travelling with a baby or toddler within the age for a bassinet, book it ahead of time, especially if you’re taking a long-haul flight.
Travel documents and itinerary
If you’ve not done so when you booked your flight tickets, you need to ensure every passport is up to date and check if you need visas to enter your destination.
Additionally, keep either a printed or digital copy of your flight details and booking references to avoid any snags at the airport.
Accommodation and transportation
When booking your accommodation, enquire about child-proofing options like outlet covers or stair gates as well as child-friendly facilities like a playground, kid’s swimming pool, or childcare services from your hotel or AirBnb provider.
As for transportation, if you’re booking a car, there’s no harm asking for complimentary or rental car seats for you to use.
Also, keep printed or digital copies of your hotel and transport reservations, as they can come in handy.
Related: Is Annual Travel Insurance right for you?
Packing for your kids
Here are five key things to focus on as you pack for your children.
Clothing: Pack suitable clothes that suit your destination’s climate and activities, and don’t forget extra outfits for those unexpected spills and accidents.
Toiletries: Use travel-sized toiletries and include other regular items your child uses, like diapers, baby wipes, sunscreen for kids, and baby lotion.
Medication: If your kid uses an inhaler or nasal spray and other medication too
Comfort Items: Keep your kid happy and secure when they’re away from home by packing their favourite toy, blanket, or stuffed animal.
Entertainment Pack: Avoid boredom by including books, colouring supplies, compact board games, and a tablet or iPad to keep your kids engaged.
Health and safety
Schedule a visit to your paediatrician for a routine checkup and ensure your kid’s vaccinations are up-to-date. If necessary, obtain a prescription or doctor’s note if your child has medical conditions that may require attention (like asthma, sinusitis, etc.)
You could pack a simple first-aid kit with items like bandages, antiseptic creams, fever medication and general prescription medication.
Emergency contact list
Create a list of emergency contact lists that covers Singapore embassy information, healthcare providers and local contacts at your destination.
Snacks and meals
Kids can get cranky if they don’t have their regular snacks available, so pack a fair amount of snacks they enjoy to keep them satisfied (and you sane) while travelling. If they have specific meal needs, check with your airline and hotel if they can accommodate special requests for meals ahead of time.
Related: 5 Things You Must Consider When Buying Travel Insurance
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Travel insurance
Every parent’s worst nightmare when travelling is a situation where a child needs medical attention. The best way to navigate this is by purchasing travel insurance that covers your child.
Here are a few options you can consider for travel insurance for kids in Singapore:
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Insurer |
Coverage for Children |
Promotions |
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Personal Accident Cover Accidental death and permanent total disability Child & Above 70 years: S$50,000-S$100,000 Adult below 70 years: S$150,000-S$500,000 Family Cover (total): S$400,000 Public Transport Double Cover (Elite & Premier) Child: S$150,000-S$200,000 Adult below 70 years: S$400,000-S$1 mil Family Cover (total): S$1.1 mil- S$2.4 mil Child Education Grant (Elite & Premier) S$5,000-S$8,000 each child, up to S$20,000-S$32,000 Medical & Related Benefits Cover Overseas Medical Expenses Child: S$150,000-S$300,000 Adult below 70 years: S$250,000-S$1 mil Adult above 70 years: S$50,000-S$100,000 Family cover (total): S$800,000-S$2.6 mil Emergency Dental Expenses Child: S$1,250-S$3,750 Family cover (total): S$10,000-S$30,000 Medical expenses in Singapore* Child: S$10,000-S$30,000 Family cover (total): S$70,000-S$210,000 *Treatment within 72 hours of return to Singapore Mobility aid reimbursement Adult: S$1,000-S$5,000 Family Cover (total): S$2,000-S$10,000 Traditional Chinese Medicine Expenses Adult: S$200-S$600 Family Cover (total): S$600-S$1,800 Overseas hospitalisation daily benefit Adult: S$200 – S$300 per day, max S$20,000 – S$60,000 Family Cover (total): S$50,000-S$150,000 Child Guard Individual: S$5,000-S$15,000 Family Cover (total): S$12,500-S$37,500 COVID-19 Cover Benefits Pre-Trip Travel cancellation Total for Adult & Children Cover S$4,500-S$7,500 Travel postponement Total for Adult & Children Cover S$750-S$2,250 Replacement of traveller Total for Adult & Children Cover S$750-S$1,500 During trip Overseas medical expenses Child: S$37,500-S$125,000 Medical & travel assistance services Included: Adult/Child Emergency medical evacuation and repatriation Adult/Child: S$1,000,000 Shortening your trip Total for Adult & Child Cover S$4,500-S$7,500 Travel disruption Total for Adult & Child Cover S$1,500-S$4,500 Overseas quarantine daily benefit Child S$25-S$50 per day Up to a max of S$350-S$700 Safety Cover Terrorism Cover (excluding biological, chemical, and nuclear devices) Outside Singapore Individual: S$200,000-S$500,000 Family Cover (total): S$800,000-S$2 mil Passive War (Accidental death and permanent total disability only) Child & Adult 70 years & Above: S$50,000-S$100,000 Family cover (total): S$400,000-S$1.2 mil |
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Personal Accident (under a family plan) Child Under Family Plan: S$60,000-S$120,000 Medical expenses incurred overseas (under a family plan) Child Under Family Plan: S$60,000-S$300,000 Medical expenses incurred in Singapore (under a family plan) Child Under Family Plan: S$1,800-S$9,000 |
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Personal Accident Accidental Death & Permanent Disability Adult Under 70 years: S$100,000-S$500,000 Personal Accident Public Transport Double Indemnity Adult Under 70 years: S$500,000-S$1,000,000 Medical Expenses While Overseas Adult Under 70 years: S$100,000-S$500,000 Child Education Grant S$2,000 per child up to S$8,000 (Classic)- S$5,000 per child up to S$20,000 (Elite) COVID-19 Coverage Extension Medical Expenses While Overseas Adult Under 70 years: S$50,000-S$150,000 (Classic & Elite) |
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Personal Accident Accidental Death, Permanent Disablement and Burn Benefit S$10,000-S$100,000 Accidental Death and Permanent Disability due to War S$10,000-S$100,000 Double Indemnity for Death in Public Transport (Plus & Prestige Plans Only) S$40,000-S$200,000 Child Education Benefit (Prestige Plan Only) S$5,000 per year, up to 5 years S$25,000 maximum limit Child Minder S$3,000-S$25,000
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With COVID-19 Coverage.
20 April - 30 April 2024 Single Trip Plan
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Non Pre-Ex Plans Personal Accident (Accidental Death & Permanent Disablement) Child: S$50,000-S$200,000 Medical Expenses Incurred Overseas Child: S$75,000-S$250,000 Medical Expenses Incurred in Singapore Child: S$2,500 (Savvy) S$5,000 (Luxury) Child(ren) Guardian S$2,500 (Savvy) S$5,000 (Luxury) Act of Terrorism Cover Child: S$50,000-S$100,000 Child Education Cover (Add-on, Optional) S$3,000 per child, up to S$15,000 Extension of Coverage for Pre-Existing Conditions Medical Expenses Incurred Overseas Child: S$50,000-S$100,000 |
With COVID-19 Coverage. 18 April - 30 April 2024 Single Trip Plan
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Overseas Medical Coverage 69 years and below S$250,000-S$1,000,000 Accidental Death* 69 years and below S$50,000-S$100,000 COVID-19 Overseas Medical Expenses 69 years and below S$250,000-S$1,000,000 *The accidental death or permanent disablement of any person under the age of 16 years is not covered |
With COVID-19 Coverage. 1 April - 30 April 2024 Single Trip/ Annual Plan
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Medical Coverage Below 18 years old S$60,000-S$300,000 Follow up Medical Treatment in Singapore Below 18 years old S$2,000-S$8,000 Accidental Death & Disablement Arising within 12 month of an accident Below 18 years old: S$60,000-S$S$120,000 COVID-19 Overseas Medical Expenses* Under 18 years old S$7,500-S$32,500 *China, Hong Kong, Taiwan and Macau excluded) |
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Under a family plan: Personal Accident (Double Indemnity for Road Accident) Below 25 years S$50,000-S$100,000 Overseas Medical Expenses Per Family: S$500,000-S$800,000 Emergency Medical Evacuation Below 75 years: Unlimited Below 75 years with pre-existing condition: S$200,000 COVID-19 Overseas Medical Expenses* Per Family: S$150,000-S$200,000 *Covers age 70 years and below, unvaccinated children below 12 years must travel with vaccinated parents, one-way-trip policy excluded |
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Under a family plan: Personal Accident 70 years old & Above / Children Under Family Plan: S$100,000-S$150,000 Medical Expenses Overseas 70 years old & Above / Children Under Family Plan: S$50,000-S$100,000 Medical Expenses in Singapore Below 70 years old & Children Under Family Plan: S$5,000-S$10,000 Emergency Medical Evacuation 70 years old & Above / Children Under Family Plan: S$100,000-S$200,000 Repatriation S$30,000-S$50,000 Full Terrorism Cover 70 years old & Above / Children Under Family Plan: S$100,000-S$150,000 Medical Expenses Overseas Due to COVID-19 70 years old & Above / Children Under Family Plan: S$25,000-S$80,000 Emergency Medical Evacuation and Repatriation Due to COVID-19 70 years old & Above / Children Under Family Plan: S$25,000-S$80,000 |
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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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