Income travel insurance has three Standard plans, Classic, Deluxe and Preferred, with overseas medical cover of S$350,000, $800,000 and unlimited for adults under 70. This Income travel insurance review finds the limits for travellers aged 70 and above are unusually close to those for younger adults, and that a separate Enhanced PreX range covers pre-existing conditions.
The catches are a 60-day trip limit on Enhanced PreX, co-payments on some benefits, and a general exclusion for epidemics and pandemics in the policy conditions. All figures are from Income’s page and policy conditions, as at November 2026.
The short version: Income’s Standard plans keep medical limits of $300,000 to $350,000 from age 70, far above many per-trip plans. Pre-existing conditions need an Enhanced PreX plan, and “cancel for any reason” on Preferred pays only half of the loss.
Income Travel Insurance Plans and Main Limits
Limits below are per insured person, per trip, from the table of cover in the policy conditions dated July 2026. Income says the higher medical and evacuation limits apply to policies from 14 August 2026.
| Benefit | Classic | Deluxe | Preferred |
|---|---|---|---|
| Medical expenses overseas, adult under 70 | $350,000 | $800,000 | Unlimited |
| Medical expenses overseas, adult 70 or over | $300,000 | $300,000 | $350,000 |
| Emergency medical evacuation | $500,000 | Unlimited | Unlimited |
| Cancelling your trip | $5,000 | $10,000 | $15,000 |
| Travel delay ($100 per 6 hours overseas) | $1,000 | $1,500 | $2,000 |
| Baggage delay ($200 per 6 hours overseas) | $1,000 | $1,200 | $2,000 |
| Loss or damage of baggage | $3,000 | $5,000 | $8,000 |
| Personal accident, adult under 70 | $150,000 | $200,000 | $500,000 |
Baggage claims are capped at $500 for each item, set or pair and $1,000 for a laptop. Overseas medical expenses are paid for up to 45 days from the first treatment, or up to the limit, whichever comes first.
The Enhanced PreX plans
Enhanced PreX Basic and Superior broadly follow Deluxe limits, and Prestige follows Preferred, except that Prestige pays more overseas medical cover from age 70: $500,000, against $350,000 on Preferred. They add cover for claims caused by a pre-existing condition:
- Medical expenses overseas: up to $300,000 (Basic, Superior) or $500,000 (Prestige).
- Emergency medical evacuation: up to $300,000 or $500,000.
- Trip cancellation, postponement or shortening due to a pre-existing condition: on Superior and Prestige, with a 25% co-payment.
Each Enhanced PreX trip must not exceed 60 days. Claims are not paid where a terminal prognosis gives a life expectancy under 12 months. See our guide to travel insurance for pre-existing conditions for how the 12-month look-back works.
Cancel for Any Reason: the Maths
Preferred and Enhanced PreX Prestige include cancelling, postponing or shortening a trip for any reason. The cancellation limit is $7,500 with a 50% co-payment.
An illustration: you cancel a trip with $6,000 of non-refundable costs for a reason not on the insured list, such as a work commitment. The plan pays 50%, so $3,000. You bear the other $3,000.
Income’s page and policy conditions add three conditions. Claims are excluded for arrangements cancelled within the first 30 days after purchase, the cancellation must fall within 30 days before you leave Singapore, so the policy has to be bought more than 30 days ahead, and the benefit stops during an epidemic, pandemic or WHO public health emergency. Our guide to trip cancellation cover compares this with ordinary cancellation benefits.
COVID-19, Adventure Activities and Other Notable Terms
COVID-19. Income’s product page does not describe specific COVID-19 cover. The policy conditions list “epidemic, pandemic or Public Health Emergency of International Concern” declared by the WHO or a government as a general exclusion. If this matters for your trip, ask Income how a COVID-19 claim would be treated.
Trekking. Covered for leisure below 6,000 metres if the trek is open to the public, organised by a recognised commercial operator, or done under licensed guides with the recommended safety equipment. That ceiling is higher than many policies. Compare others in travel insurance for hiking and trekking.
Scuba diving. Covered for leisure to your certified depth, up to 30 metres, with a certified buddy or a qualified instructor. More in travel insurance for scuba diving.
Follow-up treatment. Treatment in Singapore after you return is covered for up to 30 days.
Age Limits and Trip Length
- Per-trip Standard plans: up to 180 days in a row.
- Yearly plan: unlimited trips in 12 months, each up to 90 days.
- Children: more than 30 days old and under 21.
- Adults 70 or over: covered, at the lower limits shown in the table.
You must live or work in Singapore and start and end the trip here. Older travellers can compare age bands across insurers in travel insurance for seniors.
Exclusions and How Claims Are Filed
- Pre-existing conditions on Standard plans.
- Epidemics and pandemics, as noted above.
- Known events, such as a natural disaster already reported before you bought the policy.
- Travel for medical treatment.
- Extreme sports involving speed, height, danger or specialised gear, and professional sport.
- Specialist treatment without a referral from a general practitioner.
How claims are filed
Claims are made on Income’s digital travel claims portal, where you can also track progress. The policy conditions require you to tell Income as soon as possible, and in any case within 30 days.
Changes to dates, destination or travellers go through the online endorsement portal. In a medical emergency overseas, Income’s 24-hour hotline is listed on its page.
Who It Does Not Suit, and How To Compare
- Travellers with pre-existing conditions on trips longer than 60 days.
- Anyone who expects full reimbursement from “cancel for any reason”.
- Travellers who want explicit COVID-19 benefits written into the plan.
- Budget travellers who want the lowest premium: Classic’s limits start high, and price follows.
Our comparison of travel insurance in Singapore sets Income’s limits beside other insurers on stated measures.
What To Do Next
- Size the medical limit you need with our guide to travel insurance medical coverage.
- Open the table of cover in Income’s policy conditions and find your plan’s column.
- If you have a medical condition, read the pre-existing definition before choosing Standard or Enhanced PreX.
- Buy when you book. When to buy travel insurance explains why.
Check Income’s page for current premiums. This article is general information, not advice.
