Travel Insurance
Wherever You Go, Go Protected

Reliable travel insurance for Singapore travellers – whether it’s a short trip or a global adventure, we cover medical, cancellations, delays, and more so you can explore with confidence.

Hospital
Allowance
Baggage
Loss
Travel
Delay

Individual Trip

$40

1-3 day
cover

within ASEAN

Comprehensive coverage,
including medical expenses of up to S$250,000 and personal accident coverage of S$150,000.

Annual Travel Package

$832

 annual
coverage

worldwide

Unlimited trips with up to
S$500,000 in overseas medical expenses, S$1,000,000 in personal liability, and more.

What Does Travel Insurance Cover?

Medical Coverage


Up to S$1,000,000 for emergency medical expenses
and evacuation.

Trip Cancellation

Reimbursement for non-refundable expenses if you
need to cancel your trip.

Travel Delay

Compensation for delays due to various reasons, including weather and strikes.

Baggage Loss

Coverage for lost, stolen, or damaged baggage and
personal belongings.

Adventure Sports

Add extra protection for adventure and sports—stay
covered while hiking, diving, skiing, and more.

24/7 assistance

Access to global emergency assistance services
anytime, anywhere.

Important Information:

Trip Duration


premiums are for trips lasting 1 to 3 days.

Traveller's Age

premiums allow for unlimited trips within the year, with each trip lasting up to a maximum of 90 days.

Minimum Age:

3 months, Maximum Age: 85 years old.

For Individuals Aged 

Aged 76 to 85 years, certain coverage limits are reduced, such as personal accident and overseas medical expenses.

Travel With Peace Of Mind
Knowing That You’re Protected

Contact us for a personalized quote and more
details on our travel insurance plans.

Transfering Your Policy

Transfer your policy to IPG for free. We'll handle renewals and answer your questions. Just write us and we'll contact you by the next working day.

Get Your Personalized Quote In
24 hours

Contact Us Main - Personal

Package It With Another Insurance
And Get Discount!

Explore Our Bundles

Family Essentials Bundle

SAVE

10%

Health Insurance

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Travel Insurance

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Home Insurance

Helper Care Bundle

SAVE

10%

Maid Insurance

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Personal Accident

Global Professional Bundle

SAVE

10%

Health Insurance

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Travel Insurance

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Home Insurance

Let’s protect what matters most to you

Even the best international student insurance plans have exclusions. Common ones
include:

Frequently Asked Questions (FAQ)

Q1: What does travel insurance in Singapore typically cover?

A: Travel insurance provides financial protection for unexpected incidents during your trip. Most travel insurance plans in Singapore cover:

  • Overseas medical expenses due to illness or injury
  • Emergency medical evacuation and repatriation
  • Trip cancellation or curtailment (non-refundable bookings)
  • Travel delays and missed connections
  • Loss or delay of baggage and personal belongings
  • Loss of travel documents or money
  • Personal liability for injury or property damage caused to others
  • 24/7 emergency assistance hotline

    Add-ons or premium plans may include adventure sports cover, COVID-19 protection, and rental car excess cover.

A: Travel insurance is not legally required by Singapore authorities, but it may be mandatory depending on your destination or travel arrangements.

You may be required to show proof of travel insurance if:

  • You’re visiting Schengen countries, which require minimum medical coverage of €30,000
  • You’re booking certain cruise lines, tour packages, or study abroad programs
  • You are entering countries with COVID-19 insurance requirements (e.g., Japan, UAE, Thailand during certain periods)


Even when not mandatory, travel insurance is strongly recommended to protect against medical emergencies and travel disruptions.

A: Yes, many travel insurance plans now include COVID-19 coverage, but terms vary widely.

Typically, COVID-19 coverage may include:

  • Medical expenses if you contract COVID-19 overseas
  • Quarantine accommodation costs
  • Trip cancellation or postponement due to a positive test result before departure
  • Travel curtailment if you must return early due to infection or lockdowns
  • Denied boarding due to fever or symptoms (in some policies)


Important: Coverage may exclude travel to high-risk countries or pandemics declared by WHO, so always read the policy wording carefully.

A: To find the best plan, consider these factors:

  1. Destination: Higher coverage limits for regions with expensive healthcare (e.g., USA, Japan)
  2. Trip Duration and Frequency: Choose single-trip or annual multi-trip plans based on how often you travel
  3. Planned Activities: Add-ons may be needed for adventure sports, hiking, diving, skiing, or cruising
  4. Companions: Get family coverage or include elderly parents if they’re joining
  5. Health Conditions: Disclose any pre-existing conditions—some insurers offer limited or optional coverage
  6. COVID-19 and Travel Delay Protection: Ensure protection against trip interruptions, quarantine, or pandemic-related disruptions


Tip: Always compare plans based on claim limits, exclusions, excess amount, and the insurer’s reputation for claims processing.

A: Yes, most travel insurance plans in Singapore cover flight delays, regardless of whether the delay is caused by the airline, weather, or other unforeseen events.

You may be eligible for travel delay compensation if:

  • Your flight is delayed beyond a minimum number of hours (commonly 3 to 6 hours, depending on the policy)
  • The delay occurs after check-in
  • You provide official documentation from the airline confirming the reason and duration of the delay


What’s typically covered:

  • Cash compensation per block of delayed hours
  • Reimbursement for meals, hotel stays, and transport if extended overnight
  • Missed connections if the delay causes you to miss another flight in your itinerary


Note: Delays due to pre-existing issues, such as known strikes or schedule changes before your departure, may be excluded. Check your insurer’s terms for exclusions and claim procedures.

A: Yes, you can still buy travel insurance after booking your flight, and in some cases, even after your trip has started but there are important limitations:

After booking your trip (but before departure):

This is the ideal time to buy travel insurance. You’ll be eligible for full coverage, including: 

  • Trip cancellation benefits
  • Medical coverage and COVID-19 protection
  • Lost baggage or delay benefits

Buying insurance after departure or while overseas:

  •  Only a few insurers offer this, usually as a special overseas medical plan
  • Coverage may start 48–72 hours later (waiting period)
  • You will not be covered for any pre-existing events or known issues
  • Trip cancellation and curtailment benefits are typically excluded

Pro tip: To enjoy full protection (especially for cancellation), buy travel insurance as soon as you confirm your trip.

A: Most standard travel insurance plans in Singapore do not automatically cover pre-existing medical conditions. However, some insurers offer optional add-ons or specialized plans that include coverage under specific terms.

After booking your trip (but before departure):

This is the ideal time to buy travel insurance. You’ll be eligible for full coverage, including: 

  • Trip cancellation benefits
  • Medical coverage and COVID-19 protection
  • Lost baggage or delay benefits

Buying insurance after departure or while overseas:

  •  Only a few insurers offer this, usually as a special overseas medical plan
  • Coverage may start 48–72 hours later (waiting period)
  • You will not be covered for any pre-existing events or known issues
  • Trip cancellation and curtailment benefits are typically excluded


Pro tip:
To enjoy full protection (especially for cancellation), buy travel insurance as soon as you confirm your trip.

A: Some insurers offer coverage under these scenarios:

  • You purchase a plan with a pre-existing condition add-on
    (e.g., annual plans with medical underwriting or specific riders)
  • Your condition has been stable with no recent complications or hospitalisation (often 12 months)
  • You declare the condition upfront during application

Plans that cover pre-existing conditions may:

  • Limit coverage amounts (e.g., capped hospital benefits)
  • Exclude trip cancellation related to that condition
  • Require documentation from your doctor confirming stability


What happens if you don’t declare it?

Failing to declare a known condition could result in:

  • Claim denial
  • Cancellation of your policy
  • Loss of legal protection if disputes arise


Pro Tip:

If you or your family member has a medical history, always:

  • Compare plans that offer medical screening
  • Contact the insurer directly to clarify inclusion/exclusion
  • Get written confirmation of what’s covered before travelling