The 10 Best Travel Insurance in Singapore

Travel insurance providers in Singapore for medical cover, trip delays, claims support and family holidays.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: FWD Singapore is the best travel insurance in Singapore right now - best overall for flexible online cover. Singlife runs it closest.

Choosing travel insurance in Singapore is mainly about matching the plan to your destination, trip value and travel style. For regional getaways, price and baggage delay benefits may matter most. For Japan, Europe, the US, cruises or older travellers, overseas medical limits, evacuation cover and pre-existing condition options become much more important.

A good provider should make policy wording clear, let you buy before departure online, provide 24/7 assistance overseas and offer a claims route that is not painful after a disrupted trip. We ranked insurers higher when they combine strong benefit limits, local service access, reputable underwriting and practical extras such as pre-existing condition add-ons, flight delay benefits or digital claims.

01
FWD Singapore
80/100
Digital insurer distributing Drivo Car Insurance with Orange Force accident assistance.
#18-01 Suntec Tower 4, 6 Temasek Boulevard, Singapore 038986
fwd.com.sg
$$ price range
“Best overall for flexible online cover” - our editors
THEBESTSG STAFF REVIEW
FWD is best seen as a polished digital access point to Income-underwritten Drivo cover. The user experience is modern, the support channels are easy to find, and the plan information is laid out clearly. It is useful for customers who already manage policies through FWD and want a familiar app-led experience. The trade-off is important: FWD is the distributor for this car product, so buyers should understand that underwriting and some policy details sit with Income.
Why FWD Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It remains a reputable option because it offers a smooth digital route to Drivo cover, backed by clear support channels and Orange Force benefits.
FWD Singapore distributes Drivo Car Insurance, which is underwritten by Income Insurance Limited. The product page presents Drivo car plans with Orange Force accident assistance, NCD protection as an optional benefit, 24-hour referral services in West Malaysia and plan options that vary by workshop choice. FWD's own support channels include an online services portal, mobile app, customer service hotline, emergency hotline and Suntec Tower office by appointment. For drivers already using FWD for other policies, the car insurance journey sits neatly within its digital service ecosystem.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility16/20
Value for Money15/20
Innovation16/20
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02
Singlife
85/100
A digital-forward insurer with Singlife Shield and strong app-based servicing.
5 Straits View, #01-18/19 Marina One The Heart, Singapore 018935
singlife.com
$$$ price range
“Strongest local insurer option” - our editors
THEBESTSG STAFF REVIEW
Singlife is worth shortlisting if you prefer a newer, digital-centred insurer but still want the scale inherited from the Aviva Singapore business. The app and online servicing are useful for everyday policy management, while the Shield product covers the familiar hospitalisation need. The trade-off is that customers who prefer a very traditional branch-heavy experience may find the brand's self-service approach more prominent than some older insurers.
Why Singlife made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Singlife ranks well for its scale, modern servicing model and relevance to customers who want health cover managed through digital channels.
Singlife offers Singlife Shield, its Integrated Shield Plan for hospitalisation coverage in Singapore. The insurer grew through the merger of Singlife and Aviva Singapore, giving it a sizeable insurance base while retaining a more digital-first brand identity. Its health insurance range sits alongside life, critical illness, maternity, accident and group insurance products, with customer servicing through MySinglife and a central service centre at Marina One. Singlife is especially relevant for customers who want a modern insurer with app access and a broad protection suite.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money16/20
Innovation18/20
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03
Income Insurance
87/100
Established local insurer with Drivo plans, Orange Force assistance and broad cover options.
income.com.sg
$$ price range
“Best for pre-existing condition options” - our editors
THEBESTSG STAFF REVIEW
Income remains one of the safest mainstream picks for drivers who want an established local name and a structured claims ecosystem. Orange Force is the main reason many Singapore motorists keep it on their shortlist, especially those who want guided help after an accident. The plan ladder is also clear, with workshop flexibility available at the higher tier. The trade-off is price: drivers focused purely on the lowest premium may find direct insurers sharper.
Why Income Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its established Singapore presence, comprehensive Drivo structure, Orange Force accident support and practical add-ons for everyday family drivers.
Income Insurance offers Drivo Car Insurance for private-car owners in Singapore. The product includes comprehensive accident cover, unlimited windscreen cover, third-party property damage cover up to $5,000,000, personal accident benefits and towing support. A key differentiator is Orange Force, Income's accident response team, which provides accident assistance in Singapore. Drivers can choose among Classic, Advantage and Premium plans, with Premium allowing repairs at a preferred workshop. Optional benefits include NCD protection, excess waiver cover, daily transport allowance and roadside assistance and wellness cover.
THE EDITORS' SCORECARD - 87/100
Unique Service Proposition17/20
Quality of Service19/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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04
MSIG Singapore
85/100
Reputable general insurer with TravelEasy and Travel Easy Pre-Ex options.
4 Shenton Way #21-01 SGX Centre 2, Singapore 068807
msig.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
MSIG is a sensible choice for travellers who value a traditional insurer with a dedicated pre-existing condition product. The coverage is not as flashy as some digital competitors, but it is built around real use cases: medical support, cancellation and evacuation. The support channels are also more familiar for customers who want forms, a chatbot or an office address. The trade-off is that online presentation can be less slick than newer digital insurers, so you may spend more time reading documents.
Why MSIG Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
MSIG places high because of its established insurer profile, specific Travel Easy Pre-Ex product and practical support channels for customers who need more than basic trip cover.
MSIG Singapore offers travel insurance through its Travel Easy range, including Travel Easy Pre-Ex for travellers who need pre-existing medical condition coverage. The Pre-Ex product is positioned for medical needs ranging from asthma to heart conditions, with cover for overseas medical expenses, medical evacuation and trip cancellation due to covered pre-existing health issues. MSIG also supports product enquiries through its chatbot Mae, enquiry forms and customer centre at SGX Centre 2. It is a solid option for travellers who want an established general insurer.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition17/20
Quality of Service18/20
Accessibility17/20
Value for Money16/20
Innovation17/20
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05
Etiqa Insurance Singapore
85/100
Maybank Group insurer with motor coverage, digital servicing and a central service office.
23 Church Street, #01-01 Capital Square, Singapore 049481
etiqa.com.sg
$$ price range
THEBESTSG STAFF REVIEW
Etiqa is a sensible shortlist pick for drivers who want a regional insurer with banking-group backing and multiple service channels. The customer-care setup is practical: hotline, WhatsApp, mobile app, live chat and appointment-based visits cover most servicing preferences. Its central office is also convenient for CBD users. The trade-off is that its motor proposition is less prominently packaged than motor specialists, so drivers may need to compare policy wording closely before choosing a plan.
Why Etiqa Insurance Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It stands out for reputable group backing, accessible support channels, dedicated motor claims contact and a convenient Singapore office for policy servicing.
Etiqa Insurance Singapore is a licensed general and life insurer and a member of the Maybank Group. Its Singapore site lists Motor Insurance under personal products, with supporting channels for customer care, motor claims and policy services. Customers can contact Etiqa by hotline, WhatsApp service, live chat, the Etiqa+ SG mobile app or appointment-based office visits at Capital Square. Its published service process includes complaint acknowledgement and response timelines, and motor claims have a dedicated public contact route through the claims section.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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06
Travel Guard Singapore
82/100
Zurich-underwritten Travel Guard plans with high medical and evacuation limits.
50 Raffles Place, #32-01 Singapore Land Tower, Singapore 048623
travelguard.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
Travel Guard is best suited to travellers who prioritise medical depth and global assistance over bargain pricing. Zurich's backing gives the product a more stable footing after the AIG travel business transition, and the Supreme plan is relevant for expensive healthcare destinations such as the US, Europe and Japan. The trade-off is brand transition complexity: customers should note that Travel Guard service, Zurich underwriting and assistance administration are separate parts of the same experience.
Why Travel Guard Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns this position for Zurich underwriting, strong medical limits, unlimited evacuation on higher tiers and a specialist travel assistance structure.
Travel Guard Singapore is now underwritten and distributed by Zurich Insurance Company Ltd Singapore Branch, with assistance and claims services administered by Travel Guard Asia Pacific. Its Direct plans include Basic, Enhanced and Supreme tiers for Singapore travellers, with overseas medical limits from S$100,000 to S$2,000,000 for travellers under 70. Enhanced and Supreme plans include unlimited evacuation coverage, post-travel medical treatment in Singapore and stronger trip disruption benefits. Digital claims and 24/7 emergency travel assistance are part of the service model.
THE EDITORS' SCORECARD - 82/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility16/20
Value for Money16/20
Innovation16/20
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07
Allianz Travel
81/100
Global assistance brand offering Singapore travel plans underwritten by Tokio Marine.
allianz-assistance.com.sg
$$ price range
THEBESTSG STAFF REVIEW
Allianz Travel is a good fit for travellers who care about international assistance infrastructure, especially when going beyond nearby regional holidays. The website lays out plan tiers and core benefits clearly, and the 24/7 assistance proposition is a genuine differentiator for nervous or first-time long-haul travellers. The trade-off is that Allianz is the assistance brand while Tokio Marine underwrites the policy, so customers should read the policy wording and claims responsibilities carefully.
Why Allianz Travel made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for global assistance strength, clear online plan structure, COVID-19-related benefits and underwriting by a respected Singapore insurer.
Allianz Travel in Singapore offers single-trip, annual multi-trip, family and Schengen travel insurance plans. The Singapore travel insurance product includes selected COVID-19 coverage, overseas medical and dental benefits, trip cancellation, travel delay, baggage cover and emergency transportation. Allianz Travel provides 24/7 global assistance and support, with services provided by AWP Services Singapore Pte Ltd. The travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, giving the product local underwriting alongside a global assistance brand.
THE EDITORS' SCORECARD - 81/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility16/20
Value for Money16/20
Innovation16/20
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08
Great Eastern
80/100
Major Singapore insurer offering GREAT TravelCare with optional pre-existing cover.
greateasternlife.com
$$$ price range
THEBESTSG STAFF REVIEW
Great Eastern appeals to travellers who already know the brand from life, health or savings products and prefer dealing with a large local insurer. The optional pre-existing condition cover is useful, and the adventurous activities list is broader than a basic holiday plan. It is especially relevant for families that want a familiar name rather than a pure online insurer. The trade-off is that pricing and benefits can feel less aggressive than digital-first rivals, so compare medical and baggage limits before buying.
Why Great Eastern made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Great Eastern made the list because of its strong local brand, optional pre-existing condition cover, adventurous activity coverage and broad customer support ecosystem.
Great Eastern offers GREAT TravelCare for Singaporeans, PRs and eligible pass holders residing in Singapore. The plan includes Basic, Gold and Platinum tiers, with optional pre-existing condition cover available for travellers who want claims linked to medical conditions considered pre-existing under the policy. GREAT TravelCare also covers selected adventurous activities under Gold or Platinum, including winter sports, scuba diving with breathing apparatus, zip-lining, ATV rides and bungee jumping, subject to policy limits. Customers can use the Great Eastern app and contact centre for support.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility16/20
Value for Money15/20
Innovation16/20
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09
Sompo Insurance Singapore Pte. Ltd
84/100
Part of Sompo Holdings, it offers a wide range of general insurance products, including motor, travel, and property insurance.
50 Raffles Place, #03-03 Singapore Land Tower, Singapore 048623
sompo.com.sg
$$ price range
THEBESTSG STAFF REVIEW
Sompo Insurance Singapore stands as a formidable player in the local insurance landscape, bringing Japanese precision and reliability to Singapore's financial sector. With a comprehensive suite of insurance solutions, they've consistently demonstrated their ability to understand and meet the evolving needs of both individual and corporate clients. Their digital transformation initiatives and customer-centric approach have significantly enhanced the insurance experience for Singaporeans.
Why Sompo Insurance Singapore Pte. Ltd made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Selected for their outstanding commitment to innovation in insurance solutions and exceptional customer service standards. Their robust claims process, competitive pricing, and comprehensive coverage options make them a reliable choice for Singaporeans. Their strong financial backing from Sompo Holdings and continuous investment in digital solutions demonstrates their long-term commitment to the Singapore market.
Sompo Insurance Singapore Pte. Ltd. is a general insurer and member of SOMPO HOLDINGS, a Japan-based insurance and risk solutions group that serves customers in more than 30 countries and regions. The Singapore business says it has provided insurance for companies and individuals since 1989. Its personal insurance products include travel insurance, personal accident plans, home insurance, private car insurance, MaidEase and Overseas Travel PLUS. Its commercial range covers property, burglary, money, plate glass, work injury compensation, group personal accident, public liability, marine cargo, commercial motor, SME data and cyber security, and sector packages for offices, food and beverage, retail, service and light industrial businesses. The site also provides online claims submission, policy renewal, product brochures, proposal forms and maps for authorised motor workshops and accident reporting centres.
THE EDITORS' SCORECARD - 84/100
Unique Service Proposition17/20
Strong global backing with localized solutions and digital innovation
Quality of Service16/20
Efficient claims processing but occasional delays during peak periods
Accessibility18/20
Excellent digital platform and strategic office location in CBD
Value for Money16/20
Competitive premiums with comprehensive coverage options
Innovation17/20
Advanced digital tools and innovative policy customization options
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10
DirectAsia Insurance
89/100
Direct online motor insurer with customisable car plans and a strong focus on value.
16 Raffles Quay, #29-01 Hong Leong Building, Singapore 048581
directasia.com
$ price range
THEBESTSG STAFF REVIEW
DirectAsia is one of the clearest choices for drivers who want to tune their cover without sitting through agent-heavy sales. The online quote journey, NCD60 proposition and low-mileage option make sense for careful drivers who want savings without dropping to bare-bones third party cover. Its motor focus also shows in the way claims and optional benefits are presented. The trade-off is that drivers who prefer a traditional adviser relationship may find the direct model less personal.
Why DirectAsia Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned the top spot for its motor-first positioning, transparent direct model, useful NCD and low-mileage savings, and strong fit for Singapore drivers who compare policies online.
DirectAsia Insurance is a Singapore motor and travel insurer under Auto & General Insurance (Singapore) Pte. Limited. Its car insurance is built around online quotes, direct policy management and flexible cover choices, including comprehensive, third party fire and theft, and third party only options. The brand highlights NCD60 for eligible long-term safe drivers, low-mileage savings and optional benefits such as breakdown assistance and loss-of-use cover. Its Singapore team is locally based, and customers can reach a dedicated care hotline, claims hotline and service counter at Raffles Quay.
THE EDITORS' SCORECARD - 89/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility18/20
Value for Money18/20
Innovation17/20
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Best Travel Insurance in Singapore compared

Rank	Name	Known for	Price
#1	FWD Singapore	digital insurer · drivo	$$
#2	Singlife	integrated shield · digital	$$$
#3	Income Insurance	local insurer · orange force	$$
#4	MSIG Singapore	general insurer · pre-existing cover	$$$
#5	Etiqa Insurance Singapore	maybank group · motor claims	$$
#6	Travel Guard Singapore	zurich underwritten · high medical cover	$$$
#7	Allianz Travel	global assistance · tokio marine	$$
#8	Great Eastern	local insurer · great travelcare	$$$
#9	Sompo Insurance Singapore Pte. Ltd	general insurance · travel insurance	$$
#10	DirectAsia Insurance	direct insurer · online quote	$

Travel Insurance in Singapore - your questions

When should I buy travel insurance in Singapore?

Buy it once your flights and accommodation are confirmed. This gives you pre-trip cover for insured events such as serious illness, trip cancellation or travel advisories that happen before departure.

Does travel insurance cover pre-existing medical conditions?

Usually not by default. Some providers offer a separate pre-existing condition plan or add-on, and the limits, trip duration and co-payment rules can differ a lot.

Is the cheapest travel insurance enough?

It can be enough for a short low-cost regional trip, but check overseas medical expenses, evacuation, trip cancellation, baggage limits and exclusions before buying.

Do Singapore travel insurance plans cover flight delays?

Most plans include travel delay benefits, but the trigger can be 3, 6 or more hours depending on the insurer and tier. Keep airline proof and boarding documents for claims.

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The 10 Best Travel Insurance in Singapore

Best Travel Insurance in Singapore compared

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