"comparing Domestic And International Travel Insurance For Australians"

 "comparing Domestic And International Travel Insurance For Australians" - COVID-19 and travel: While Singapore and some neighboring countries have made progress in reducing transmission of COVID-19 and are opening their international borders, please note that transmission of COVID-19 still persists in many countries. Therefore, we recommend that you follow the Ministry of Health's travel guidelines; compliance with all rules before and after the trip at the destination and upon return to Singapore; and buying travel insurance that covers COVID-19.

To find the best travel insurers in Singapore, we reviewed dozens of travel insurance plans to determine which offer the best benefits at the most competitive premium. To find the cheapest plans, we analyzed the basic plan's premiums for a week's trip to ASEAN, which include promotions from insurance companies.
"comparing Domestic And International Travel Insurance For Australians"



For those looking for the best value for money travel insurance, we recommend Allianz Travel Silver Plan, Singlife Travel Plus Plan, or Income Travel Insurance if you need COVID-19 coverage. Their competitive prices combined with above average benefits mean they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week trip to ASEAN has an average cost of SGD 44, these four plans cost between SGD 24 and 60 and also have above-average travel inconvenience and health insurance.
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The Allianz Silver plan is great for people who prioritize travel inconvenience insurance such as flight delays, cancellations and lost baggage. Allianz also covers pandemic and endemic costs, which means you can cover things like trip cancellations and medical treatment if you or someone close to you becomes infected with COVID-19. So while it's certainly not the cheapest plan on this list, it provides the benefits most relevant in this climate and is well worth the price.

Of the four, Singlife has the most flexible coverage and will allow you to be compensated for lost frequent flyer points, motorcycle accidents and extreme winter/water sports. It also boasts generous health insurance. Although not the cheapest offer, it becomes especially competitive for MINDEF/MHA clients as they will receive an additional 30% discount on top of any ongoing promotion.

Income offers above-average health insurance and average coverage for travel inconvenience-related benefits such as trip cancellations, delays, and lost baggage. However, the cost of Income is made up of up to $100,000 in medical expenses and $100,000 in evacuation expenses if you were diagnosed with COVID-19 during your trip (assuming you did not travel in high-risk country). Please note that coverage will only apply if you have completed the mandatory COVID-19 PCR test prior to departure 72 hours prior to travel. All in all, if you are looking for affordable ASEAN travel coverage with a focus on health insurance, income would be a good option.

For those looking for the best value for money travel insurance, we recommend Allianz Travel Silver Plan, Singlife Travel Plus Plan, or Income Travel Insurance if you need COVID-19 coverage. Their competitive prices combined with above average benefits mean they provide more value than most other travel insurance policies on the market. For example, while a plan covering a 1-week trip to ASEAN countries has an average cost of SGD 48, these three plans cost between SGD 27 and 50 and also have above-average travel inconvenience and health insurance.
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Of the three, Singlife has the most flexible coverage and will allow you to be compensated for lost frequent flyer points, motorcycle accidents and extreme winter/water sports. It also boasts generous health insurance. Although not the cheapest offer, it becomes especially competitive for MINDEF/MHA clients as they will receive an additional 30% discount on top of any ongoing promotion.

If you are relatively price insensitive and looking for the ultimate coverage travel insurance plan, we think the Allianz Platinum Plan, Singlife Travel Prestige Plan, and MSIG TravelEasy Premier Plan can be great options. Although they can be expensive, they are still competitively priced compared to other premium travel insurance plans on the market while providing major benefits in terms of travel inconvenience, medical or personal coverage, respectively.

Allianz Platinum offers maximum travel inconvenience coverage, making it ideal for travelers concerned about flight delays or lost luggage. For reference, 60% of travel insurance claims are related to travel inconvenience, meaning this plan will provide valuable coverage. Finally, it also offers two unique coverages for current climate pandemic coverage and cruise coverage. For example, you can apply to cancel a trip if you or someone you know contracted COVID-19 prior to your trip. Cruise travelers will also receive some of the best benefits on the market, such as a stay-in-cabin benefit, a missed port-of-call benefit, or a cruise denied boarding benefit.



Singlife Prestige is recommended for travelers who care most about medical benefits, would like to personalize their insurance, or want to be able to cancel their trip for any reason. Aviva also has far fewer exclusions than the average travel insurance plan as it allows you to purchase additional coverage for everything from extreme sports to weddings.
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Both Allianz and Aviva are also good options to consider if you are going on a cruise, as long as your port of departure is in Singapore.

Finally, MSIG TravelEasy Premier can be a great travel plan for families who need a wide range of services at no extra charge. For example, MSIG's insurance coverage automatically includes everything from a rental car to adventurous activities and wedding dress insurance. You'll also be covered for pregnancy-related illnesses such as nausea and dizziness, which is a pretty unique feature given that other plans usually only cover pregnancy-related emergencies.

If you are relatively price insensitive and looking for the ultimate coverage travel insurance plan, we think Allianz Travels Platinum Plan, Singlife's Travel Prestige Plan, and MSIG's TravelEasy Premier Plan can be great options. Although they can be expensive, they are still competitively priced compared to other premium travel insurance plans on the market while providing major benefits in terms of travel inconvenience, medical or personal coverage, respectively.

If you have pre-existing medical conditions and cost is not an issue, Income Enhanced PreX travel insurance plans may be right for you. Despite the 50% deductible if you claim travel inconvenience (only available for Prestige and Superior plans), it is currently only one of 3 insurance companies on the market that offer pre-existing coverage for you and your family members . Unfortunately, Enhanced PreX plans can be quite expensive, with allowances for a week's trip to ASEAN costing SGD 86 - nearly 3 times the average of the basic plan.
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Solo travelers on a budget can save a little more with the MSIG PreX Premier plan, which costs about 20% less than Income for a week-long trip to ASEAN. It can also be a good option for seniors as there is no age limit to purchase the plan. You can qualify for up to S$150,000 medical insurance and S$200,000 medical evacuation due to a pre-existing medical condition. However, you should note that you cannot buy the annual version of this plan.

We found that Etiqa and HL Assurance offer the cheapest travel insurance plans for traveling within ASEAN countries. Their travel insurance policies are only SGD 22 to 24 for 1-week ASEAN coverage, which is 30-40% lower than the industry's average basic plan of SGD 35. However, that doesn't mean their low prices mean modest coverage, as these four options also provide all-round benefits.

Etiqa's Tiq Travel Insurance offers cheap yet expensive travel insurance plans thanks to generous current promotions. It costs 35% less for ASEAN trips than other insurers with its basic plan. However, its overall travel inconvenience coverage is the lowest of the four, so it might not be the best choice for those who want high coverage for things like flight delays, cancellations, and lost baggage. Despite this, it can be a convenient plan for budget travelers who want to have adventure covered without having to pay extra.



HL Assurance travel insurance offers comprehensive coverage at below average prices. It also includes useful benefits such as home contents, a car rental co-payment, and insurance coverage in the event of a travel agency's insolvency. HL Assurance travel inconvenience insurance is also among the highest priced, making it a competitive option for travelers looking to protect their belongings and itinerary.
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We found that Etiqa and HL Assurance offer the cheapest travel insurance plans for traveling within ASEAN countries. Their travel insurance policies are only SGD 22 to 24 for 1 week of coverage in ASEAN, which is 30-40% lower than the industry average basic plan of SGD 35. However, that doesn't mean their low prices mean modest coverage, as these four options also provide all-round benefits.

Etiqa's Tiq Travel Insurance offers cheap yet expensive travel insurance plans thanks to generous current promotions. It costs 35% less for ASEAN trips than other insurers with its basic plan. However, its overall travel inconvenience coverage is the lowest of the 4, so it might not be the best choice for those who want high coverage for things like flight delays, cancellations, and lost baggage. Even so, it can be a budget-friendly plan.

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