FWD travel insurance has three plans, Premium, Business and First, with overseas medical cover of S$200,000, $500,000 and $1 million for adults under 70. All three list emergency medical evacuation and repatriation as unlimited. This FWD travel insurance review covers the limits, the paid add-ons and the exclusions.
The base plan is lean. Pre-existing conditions, COVID-19 and “cancel for any reason” are extras, and medical cover from age 70 is one-fifth of the under-70 limit. Figures are from FWD’s page and its policy wording V6, as at November 2026.
The short version: FWD’s evacuation limit is unlimited even on the entry plan, and its Business and First plans pay travel delay in three-hour blocks. The entry plan’s delay cap is $300, and medical cover for travellers aged 70 and above is $40,000 to $200,000.
FWD Travel Insurance Plans and Main Limits
Limits below are per insured person, per trip, from the table of benefits in the policy wording for policies issued from 23 April 2026.
| Benefit | Premium | Business | First |
|---|---|---|---|
| Overseas medical, adult under 70 | $200,000 | $500,000 | $1,000,000 |
| Overseas medical, adult 70 or older | $40,000 | $100,000 | $200,000 |
| Emergency medical evacuation and repatriation | Unlimited | Unlimited | Unlimited |
| Trip cancellation and loss of deposit | $7,500 | $10,000 | $15,000 |
| Trip cut short | $5,000 | $10,000 | $15,000 |
| Travel delay (overall limit) | $300 | $800 | $1,500 |
| Baggage delay (overall limit) | $150 | $600 | $900 |
| Theft of or damage to baggage | $3,000 | $5,000 | $7,500 |
Despite its name, Premium is the entry plan.
Baggage has sub-limits, in total, of $1,000 for a laptop or tablet and $300 (Premium) or $500 (Business and First) for a mobile phone. Other items are capped at $300 or $500 each.
Personal accident cover is separate from medical cover. It pays up to $200,000, $300,000 or $400,000 for an adult under 70, and $40,000, $60,000 or $80,000 from age 70.
How the travel delay benefit pays
- Premium: $100 for every six hours of delay overseas.
- Business and First: $50 for every three hours.
An illustration: a nine-hour delay overseas pays $100 on Premium (one full six-hour block) and $150 on Business (three three-hour blocks). Both rates work out to the same amount per hour. The three-hour block simply starts paying earlier.
Add-Ons: Pre-Existing Conditions, COVID-19 and Cancel for Any Reason
Pre-existing medical conditions. An optional cover. FWD’s page lists a combined limit for overseas medical expenses and evacuation of $50,000 (Premium), $100,000 (Business) or $150,000 (First).
It also covers trip cancellation, postponement and cutting a trip short because of a pre-existing condition, with a 50% co-payment. Cover applies to single trips of up to 30 days and annual-plan trips of up to 45 days. Only the traveller who needs it has to buy it.
FWD’s definition is broad. It includes conditions you had signs or symptoms of, even without seeing a doctor. More on definitions in travel insurance for pre-existing conditions.
COVID-19. The main wording lists an epidemic or pandemic declared by the WHO or the Singapore government as a general exclusion. FWD’s COVID-19 enhanced benefits, under a separate wording, cover medical expenses, trip cancellation or disruption, and evacuation. The sample wording on FWD’s page lists $200,000 for medical expenses in Singapore or overseas, $200,000 for evacuation and repatriation, and $5,000 each for trip cancellation and trip disruption. Check the wording issued with your policy.
Cancel for any reason. For single trips, bought within seven days of your first trip deposit. It reimburses up to 50% of covered costs, capped at $1,000, $3,000 or $6,000 for cancelling or cutting a trip short, and $300, $500 or $1,000 for postponing. Cutting a trip short for any reason is covered only once the trip has run for at least 48 hours. On a $4,000 non-refundable trip cancelled for a reason the standard benefit does not cover, half is $2,000, so Premium pays $1,000 and Business or First pays $2,000. See trip cancellation cover for how this differs from the standard benefit.
Other add-ons in the wording include a sports equipment protector (up to $2,000), home contents cover (up to $6,000), pet care and, on Premium, car rental excess (up to $300). Business and First include car rental excess cover in the base plan.
Adventure Activities
The general exclusions rule out hiking or trekking above 3,000 metres and scuba diving beyond 30 metres. Diving must also be within your certified depth and with a companion of equal or higher certification; solo diving is excluded.
The wording also excludes extreme sports, which it defines to include mountaineering, technical climbing, off-piste skiing and white-water sports above grade 2, and any sport not managed by a licensed commercial operator. The sports equipment add-on covers gear, not higher-risk activity.
If your itinerary goes higher or deeper, compare policies in travel insurance for hiking and trekking and travel insurance for scuba diving.
Age Limits and Trip Length
- Single trip: cover ends 180 days after the trip starts.
- Annual plan: each trip up to 90 days.
- Age 70 or older: covered, with the lower medical and personal accident limits shown above.
The buyer must be at least 16 and hold an NRIC or a valid pass, and the trip must start and end in Singapore. Neither FWD’s page nor the wording states a maximum age, so confirm at the quote stage. Travel insurance for seniors explains what to look for.
Exclusions and How Claims Are Filed
- Pre-existing conditions, unless the add-on is bought.
- Epidemics and pandemics, unless the COVID-19 benefits apply.
- Travelling against medical advice, or to seek medical care, even if that was not the only purpose of the trip.
- Late purchase. The wording excludes trip cancellation and postponement claims, and insolvency claims before departure, if the policy was bought less than 72 hours before the scheduled departure from Singapore.
- Cancellation reasons that arise early. Trip cancellation and postponement pay only if the covered event happens within 30 days before your scheduled departure date.
- Traffic congestion and ride-hailing costs. Trip disruption claims caused by traffic congestion are excluded, as are taxi and private-hire costs when a trip is cut short or disrupted.
- Trekking above 3,000 metres and diving below 30 metres.
How claims are filed
Claims are submitted in the FWD SG app or through FWD’s online claims page. A claims assessor then contacts you.
The policy wording asks you to inform FWD no later than 30 days after the incident. FWD says it is moving to digital payouts and asks customers to link PayNow to their NRIC or FIN.
Who It Does Not Suit, and How To Compare
- Travellers aged 70 and above who want a high medical limit.
- Entry-plan buyers who care about delays. The $300 and $150 caps are low.
- People with pre-existing conditions on long trips, beyond 30 days on a single trip or 45 days per trip on an annual plan.
- Trekkers and deeper divers.
- Anyone who assumes COVID-19 is covered by default.
See our comparison of travel insurance in Singapore for how other insurers set these limits.
What To Do Next
- Decide the medical limit you need using our guide to travel insurance medical coverage.
- List the add-ons you would need, then compare the total with plans that bundle them.
- Read the general exclusions in FWD’s policy wording.
- Buy early, and before the 72-hour window. See when to buy travel insurance.
Check FWD’s page for current premiums, which change often. This article is general information, not advice.
