There is no single best travel insurance in Singapore. The right plan is the one whose limits and exclusions match your trip: your age, your health, what you will do there and how much you have prepaid. This page compares ten insurers on the features that stay stable, as at November 2026, and links to seven deeper guides.
We do not rank plans or quote prices. Premiums change with destination, trip length, age and whatever promotion is running that week, so a price here would be out of date before you read it.
How We Compared Travel Insurance in Singapore
We read each insurer’s own product page and policy wording, not comparison sites. We looked at five things that decide whether a claim is paid:
- the overseas medical limit for an adult below 70
- the limit for a traveller aged 70 or above
- whether cover for pre-existing conditions can be bought
- the altitude limit for trekking
- the standard trip cancellation limit
Ten insurers had this information published clearly enough to check: Income, Singlife, FWD, Etiqa (Tiq), MSIG, HL Assurance, DirectAsia, Great Eastern, Allianz Travel and Starr. We are not paid by any insurer.
Best Travel Insurance in Singapore: The Comparison Table
All figures are in Singapore dollars (S$), per insured person, per trip, lowest tier to highest tier, as at November 2026.
| Insurer and plan | Overseas medical, below 70 | Overseas medical, 70 and above | Pre-existing cover | Trekking limit | Trip cancellation |
|---|---|---|---|---|---|
| Income (Classic, Deluxe, Preferred) | $350,000 / $800,000 / unlimited | $300,000 / $300,000 / $350,000 | Separate Enhanced PreX plans | Below 6,000 m | $5,000 / $10,000 / $15,000 |
| Singlife (Lite, Plus, Prestige) | $250,000 / $1,000,000 / unlimited | $75,000 / $150,000 / $300,000 | Add-on, trips up to 30 days | Up to 4,000 m | $5,000 / $15,000 / $20,000 |
| FWD (Premium, Business, First) | $200,000 / $500,000 / $1,000,000 | $40,000 / $100,000 / $200,000 | Add-on | Up to 3,000 m | $7,500 / $10,000 / $15,000 |
| Tiq (Entry, Savvy, Luxury) | $200,000 / $500,000 / $1,000,000 | $30,000 / $50,000 / $75,000 | Separate Pre-Ex plans, up to 30 days | Up to 3,000 m | $5,000 / $5,000 / $10,000 |
| MSIG TravelEasy (Standard, Elite, Premier) | $250,000 / $500,000 / $1,000,000 | $50,000 / $75,000 / $100,000 | Separate Pre-Ex plans, up to 30 days | Up to 3,000 m, Elite and Premier only | $5,000 / $10,000 / $15,000 |
| HL Assurance (Basic, Silver, Gold, Platinum) | $150,000 / $250,000 / $500,000 / $750,000 | $50,000 / $50,000 / $100,000 / $100,000 | Add-on | Up to 3,000 m | $5,000 / $7,000 / $12,000 / $15,000 |
| DirectAsia Voyager | $500,000 (option: $750,000) | $500,000, ages 71 to 80 | Not covered | 1,500 m; 4,000 m with add-on | You choose, up to $20,000 |
| Great Eastern GREAT TravelCare (Basic, Gold, Platinum) | $100,000 / $500,000 / $1,000,000 | $20,000 / $100,000 / $200,000 | Add-on on Gold and Platinum, trips up to 45 days | Below 4,000 m, Gold and Platinum only | $2,000 / $10,000 / $15,000 |
| Allianz Travel (Basic, Silver, Platinum) | $200,000 / $500,000 / $1,000,000 | $50,000 / $75,000 / $100,000 | Not covered | Activities above 4,500 m excluded | $1,500 / $5,000 / $10,000 |
| Starr TraveLead (Bronze, Silver, Gold) | $200,000 / $500,000 / $1,000,000 | $40,000 / $100,000 / $200,000 | Not covered | No height limit stated | $5,000 / $10,000 / $15,000, in the optional trip section |
Starr’s trekking entry comes from its FAQ, which says amateur hazardous sports are covered with “no restriction on height or depth”. Confirm that against the policy wording before a high trek.
Reviews of Each Insurer
Each review sets out one insurer’s plans, limits and main exclusions from its own policy documents. Two insurers we review, Tokio Marine and UOI, are not in the table above.
- Allianz travel insurance review
- DirectAsia travel insurance review
- Etiqa Tiq travel insurance review
- FWD travel insurance review
- Great Eastern travel insurance review
- HL Assurance travel insurance review
- Income travel insurance review
- MSIG travel insurance review
- Singlife travel insurance review
- Starr travel insurance review
- Tokio Marine travel insurance review
- UOI travel insurance review
The short version: Start with your age band and your health, not the headline limit. A plan with $1,000,000 of medical cover can drop to $75,000 at age 70, and almost every standard plan excludes conditions you were treated for in the past 12 months.
What the Table Tells You
Medical limits fall at 70, but not equally
Of the ten insurers in the table, all except DirectAsia cut the overseas medical limit at around 70. The size of the cut varies a great deal. Income’s limits stay at $300,000 or more. FWD’s entry tier falls from $200,000 to $40,000. Our guide to travel insurance for seniors sets the figures side by side.
Pre-existing cover is a separate purchase
Standard plans exclude pre-existing conditions. Seven of the ten insurers sell cover for them, either as a separate plan or as an add-on, usually with a lower limit and a shorter maximum trip. See travel insurance for pre-existing conditions.
Activity limits are written in metres
Trekking cover stops at an altitude, and scuba cover stops at a depth, usually 30 metres. Mount Kinabalu’s summit is above 4,000 metres, which is beyond the limit of most plans in the table. Read travel insurance for hiking and trekking and travel insurance for scuba diving before booking a guide.
Cancellation cover has a clock
The cancellation limit is only useful if the policy was in force when the problem arose. Several wordings will not pay certain cancellation claims if you bought fewer than three days before departure. The details are in trip cancellation cover and when to buy travel insurance.
A Worked Example: Sizing the Limits
Illustration only, using an illustrative couple. Mr and Mrs Lim, aged 66 and 71, book a 10-day trip to Japan. Flights and hotels cost $6,000 for both, mostly non-refundable.
- Cancellation. Their prepaid cost is $3,000 each. Every plan in the table with a confirmed figure covers that amount per person at its lowest tier, except Great Eastern’s Basic plan, which stops at $2,000, and Allianz Travel’s Basic plan, which stops at $1,500.
- Medical for Mr Lim, 66. He is in the below-70 band. Entry-tier limits range from $100,000 to $500,000.
- Medical for Mrs Lim, 71. The same entry tiers give her between $20,000 and $500,000. If they want her covered for at least $250,000, only three rows in the table offer that: Income, Singlife’s top tier and DirectAsia.
The couple’s choice is driven by Mrs Lim’s age band, not by the headline figure.
The Catch, and Who It Does Not Suit
Travel insurance pays for sudden, unforeseen events. The General Insurance Association of Singapore lists pre-existing conditions, hazardous and sports activities, mental or nervous disorders and travel to certain countries among common exclusions. It suggests getting the product summaries and policy wordings of a few policies to compare.
A comprehensive plan may not suit you if:
- Your trip is short, nearby and cheap to cancel. A lower tier may be enough. Check the medical limit before settling for it.
- You are travelling for medical treatment or against a doctor’s advice. Income’s conditions, for example, say such claims are rejected.
- You are relying on a credit card’s free cover. It may be narrower than a stand-alone plan. Compare the wording, and see our guide to travel credit cards for what cards do well.
Insurance also does not reduce everyday costs abroad. Card fees and exchange rates are covered in our guide to paying overseas.
How to Choose a Plan
- Find your age band. Read the limit for your age, not the top line.
- List your conditions. Anything treated or medicated in the past 12 months is likely pre-existing.
- List your activities. Note the highest altitude and deepest dive.
- Add up prepaid costs per person. Match the cancellation limit to that sum.
- Buy early. Cancellation cover can start when the policy is issued.
- Then compare price. Get quotes for the same dates from two or three insurers whose terms fit.
What To Do Next
- Read the seven guides linked above that apply to your trip, starting with travel insurance medical coverage.
- Download the policy wording for any plan you are considering and search it for “pre-existing”, “metres” and “days before”.
- Add the premium to your trip budget in our budget planner.
