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For globetrotters headed to Singapore, the best travel insurance plans offer coverage for travel-related mishaps like lost luggage or trip delays as well as coverage for unexpected medical needs, like medical evacuation or hospitalization.
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Are you headed on a vacation to Singapore? If you’re looking for the best travel insurance for your trip, trying to compare plans, or even wondering what coverage you actually need for Singapore, you’re in the right place.
In this article by Pacific Prime, we’ll outline what to look for in a travel insurance plan, explain top insurance options and compare plans, provide travel and safety tips for Singapore, and more. Keep reading to learn more, or head to Pacific Prime’s page for a free, no-obligation quote now.
How to Find the Best Travel Insurance for Singapore
Top travel insurance plans for Singapore cover trip cancellation and delay, personal belongings, emergency medical evacuation, personal accident coverage, and more. A trustworthy broker like those at Pacific Prime can help you find the best coverage for your budget, your trip, and your needs.
Let’s get into more depth about what travel insurance does and doesn’t cover.
What Travel Insurance Covers—and What It Doesn’t Cover
Traditional travel insurance provides customizable coverage for trip-related mishaps, whether your flight gets canceled, you miss planned and paid-for activities due to trip delay, or personal items get lost. It should also cover the cost of treatment for unexpected medical emergencies.
Lost Luggage and Personal Belongings Coverage
The best travel insurance should provide compensation for lost, stolen, or damaged personal belongings (including luggage, electronics, valuables, and even personal documents). This type of coverage provides peace of mind by allowing you to replace essential items and continue your trip.
Cancellation and Delay Coverage
Different travel insurance plans offer different levels of coverage, and that includes what types of delays and cancellations you can be reimbursed for. Here are the types of cancellations and delay coverage to consider:
- Cancel for Any Reason (CFAR): This type of coverage allows you to cancel your trip for even personal reasons and still receive a refund for your prepaid deposits.Most CFAR plans require that you cancel at least 48 hours before your trip to receive your guaranteed rates. It is the most comprehensive cancellation option but often comes with qualifiers, such as limited time frames for purchasing coverage, eligibility requirements, and reduced reimbursements.
- Trip Cancellation: This general cancellation covers unexpected personal emergencies such as loss of job, illness, injury, and death plus emergencies like natural disasters or terrorism. This coverage generally applies until the day you depart.If you cancel your trip for any of the reasons outlined in your coverage, you should also be reimbursed for your prepaid expenses, like guided tours.
- Trip Interruption: Trip interruption covers emergencies that cut your trip short. Like trip cancellation, trip interruption coverage should compensate you for prepaid activities you miss out on.
- Travel Delay: Travel delay insurance covers costs you wrack up if your flight is delayed, such as a hotel stay or transportation.
Emergency Medical Assistance Coverage
Medical offerings within travel insurance vary widely, but some common offerings to bundle with traditional trip-related coverage include:
- Hospitalization Coverage: Ensure that your insurance offers coverage for hospitalization expenses such as room charges, doctor’s fees, surgical procedures, medications, and laboratory tests. Ensure that your plan covers medical expenses in Singapore.
- Outpatient Treatment: Outpatient treatment services refer to simple treatment, such as a visit to a general practitioner, which do not require hospitalization and which can be completed in one day.
- Medical Evacuation: Singapore is known for having excellent healthcare, but should you need to be transported elsewhere for treatment, medical evacuation coverage takes care of the cost of transporting you to somewhere with more adequate facilities.
Additional Benefits in Top Travel Insurance Plans
Most travel insurance companies provide around-the-clock assistance, including a toll-free helpline phone number, to help you with any hurdle that you may come across while traveling in Singapore.
What Travel Insurance Doesn’t Cover
While travel insurance plans vary widely, most do not offer complete medical coverage, coverage for foreseeable dangers such as civil unrest, or coverage for dangerous activities. A more complete list of common exclusions is:
- Pre-existing conditions
- Pregnancy
- Mental health conditions
- Dangerous activities (such as mountaineering or skydiving)
- Illegal activities
- Reasonable foreseeable events (such as known storms or civil unrest)
Comparing Travel Insurance and International Insurance in Singapore
Travelers and expats who plan to stay in Singapore for an extended period of time—or who plan to travel widely—may want to consider international health insurance. International health insurance offers the most comprehensive, flexible medical coverage around the globe.
Travel Insurance
For those with minimal health needs or those who plan to only travel to Singapore before returning home, travel insurance may be ideal. With options for single-trip coverage or multiple trips over a short period of time, it provides a more cost-effective option than international health insurance.
International Insurance
Whether you’re an expat preparing to make Singapore home or a worldwide traveler, international insurance provides comprehensive, flexible medical care worldwide. These cater to the needs of those living abroad through customizable, portable coverage.
International health insurance plans allow frequent vacationers and expats alike to receive flexible care for their health needs and budget, with options for basic coverage, riders for benefits of your choice, or comprehensive care.
Most plans do include options for:
- Inpatient care
- Outpatient care
- Vision services
- Dental services
- Maternity services
- Preventative care
If international health insurance seems like the right fit for you, check out our top international insurance partners or talk with a broker by calling 1-800-868-1451.
The Top Travel Insurance Plans for Singapore
Pacific Prime offers the best travel insurance from companies globally. Some of the top providers for travelers to Singapore include IMG, April International, VUMI, and GeoBlue.
IMG
With award-winning global benefits and over a million physicians and facilities, IMG boasts excellent flexible plans for international travelers. Their Patriot plans offer a variety of travel medical coverage options, but all plans offer coverage for:
- Physician visits
- Cancer treatment
- X-rays and lab tests
- Surgeries
- Prescription drugs and medication
- Return of mortal remains
- Return travel costs
If you prefer to purchase travel insurance without medical coverage, IMG offers their iTravelInsured plans with three tiers of coverage: Lite, SE, and LX. All tiers provide 24/7 emergency assistance, return transportation, transportation of children, and accident and sickness expense coverage.
You can compare each tier below:
| iTravelInsured Lite | iTravelInsured SE | iTravelInsured LX | |
| Trip Cancellation | Up to 100% of non-refundable trip cost | Up to 100% of non-refundable trip cost | Up to 100% of non-refundable trip cost |
| Trip Interruption | Up to 125% of non-refundable trip cost | Up to 150% of non-refundable trip cost | Up to 150% of non-refundable trip cost |
| Trip Delay | Up to $125 per day per person ($500 max per person) | Up to $125 per day per person ($2,000 max per person) | Up to $250 per day per person ($2,500 max per person) |
| Baggage & Personal Effects | $750 ($250 max per item) | $1,500 ($250 max per item) | $2,500 ($250 max per item) |
| Baggage Delay | Up to $150 | Up to $250 | Up to $500 |
| Medical Evacuation & Repatriation of Remains Benefit | Up to $500,000 per person | Up to $500,000 per person | Up to $1,000,000 per person |
| Rental Car Damage & Theft Coverage | Not covered | Covered | Covered |
April International
April International prioritizes customer satisfaction, which shows in their 4,000+ employees responsible for customer service. With over thirty years of business, April International is known for handling claims quickly.
Aprils International’s travel insurance plans offer:
- Plans in Euros, GBP, and USD
- Coverage for as little as one month or up to one year
- Plan extensions for up to six months
- Optional pre-existing condition coverage for treatment of acute episodes for policyholders under age 50 with a policy of three months or longer
- Access to private medical facilities of your choice
VUMI (VIP Universal Medical Insurance)
VUMI’s VIP plans are available for single-trip coverage or multiple trips within one year and are unique for their full medical coverage, with options to purchase an additional medical rider or cancellation rider. Some of the highlights within VUMI travel insurance plans include:
- USD $5,000,000 maximum lifetime benefit per insured person up to age 70
- Coverage of $500,000 for stable pre-existing conditions
- Hospitalization is covered at 100%
- Outpatient & specialist visits are 100% covered
- 100% coverage for prescription medications
Each of VUMI’s travel insurance plans includes the following services:
- Emergency assistance 24/7
- Traveler’s choice of doctors and hospitals worldwide
- Comprehensive travel medical coverage for minor injuries to repatriation
- Compassionate emergency visit to an insured person
- Emergency dental
- Children under age 2 are eligible for free coverage
- Coverage for travelers up to 79 years old
- Return ticket home if your flight is missed due to illness
GeoBlue
For those traveling to Singapore from the United States, GeoBlue is one of the top picks. Whether you choose their Voyager single-trip plan or their Trekker short-term, multiple-trip plan, GeoBlue’s options for travelers to Singapore offer ideal coverage.
Compare GeoBlue’s non-medical travel insurance plans below:
| GeoBlue Plans Non-medical Benefits Comparison (USD) |
| Voyager (Single Trip) | Trekker (Multiple Trips) | |
| Accidental Death & Dismemberment Maximum Benefit | $50,000 | $25,000 |
| Emergency Family Travel Arrangements | $2,500 for one economy round-trip plane ticket | $2,500 for one economy round-trip plane ticket |
| Hazardous Activities (downhill skiing or scuba diving within certain parameters) | $25,000 maximum claim amount | $25,000 maximum claim amount |
| Post-Departure Trip Interruption Transportation | $1,000 maximum benefit amount | Not covered |
| Post-Departure Trip Interruption Quarantine Coverage | Lodging & incidentals of $50 per day, 10 days maximum | Not covered |
| Lost Baggage & Personal Effects Coverage | Maximum benefit of $500 per trip, $100 per bag/item | Maximum benefit of $500 per trip, $100 per bag/item |
| Repatriation of Remains | $25,000 maximum benefit | $25,000 maximum benefit |
Please note that GeoBlue travel insurance plans require policyholders to have a domestic health insurance policy. However, the domestic medical insurance policy does not have to be from GeoBlue or Blue Cross Blue Shield.
What to Consider When Picking Travel Insurance for Singapore
When choosing a plan for your trip to Singapore, you may be tempted to choose the least expensive plan available, but you should weigh out the length of your coverage needed, whether you’re planning multiple trips, your health history, and your budget.
- The Length of Your Trip: The longer your trip, the more likely it is that the price of your coverage will increase.
- Single- or Multi-trip Coverage: Many providers offer options to cover a single trip or a period of time. Within that period of time, you can travel as often as you like and still maintain your coverage.
- Your Health Needs: Most traditional travel insurance plans do not include extensive medical coverage, and even travel medical insurance is not usually comprehensive. Seek the most comprehensive plan or opt for international health insurance if you have many health needs.
- Planned Activities: If you plan to participate in extreme sports or activities that are considered dangerous (such as rock climbing or skydiving), you may want to purchase an additional rider in case of an accident, since most core plans do not cover these activities.
- Your Budget: Remember that many travel insurance plans offer flexible options to fit your trip and your budget.
Pacific Prime is proud to partner with amazing companies around the globe. If you’re still undecided, compare quotes across our companies or read through this helpful article.
How a Broker Can Help You Get Travel Insurance in Singapore
Brokers help travelers by providing unbiased research to simplify the comparison process, and they can even save you money by using their market knowledge to find you the best deals available.
If you’re undecided on receiving help from an insurance broker, consider the following benefits:
- Brokers get you access to more insurance choices.
- Brokers utilize their experience to research plans that meet your needs.
- Brokers may have wider access to the most cost-effective plans available.
- Brokers can help you submit claims for reimbursement.
Frequently Asked Questions
What kind of travel insurance do you need for Singapore?
While travel insurance is not required to enter Singapore, it is highly recommended. Healthcare in the country is considered expensive, and should you require treatment, travel insurance could help temper the cost. Travel insurance also gives peace of mind for other potential setbacks to your trip.
Is travel insurance necessary for Singapore?
Travel insurance is not mandatory for tourists. However, travel insurance is essential for anyone traveling abroad, as rescheduling travel plans and health care could become very expensive to pay out of pocket.
Can you travel without travel insurance?
You can travel without travel insurance to most countries. However, to avoid unexpected costs and to maintain a smooth trip, consider either travel insurance or international health insurance, which can cover unexpected medical or trip-related expenses.
Conclusion
The best Singapore travel insurance plans provide medical coverage, lost luggage, affordability, and more. Singapore offers some of the best accommodations in Southeast Asia for travelers and expats alike, so purchasing insurance prepares you for a worry-free vacation.
If you are considering moving to Singapore, here are some of the best areas to live in Singapore. And if you want to learn more about the country’s healthcare system, check out our comprehensive guide.
Pacific Prime has over 20 years of experience in the insurance world and has helped thousands of travelers secure the right plans. The insurance experts at Pacific Prime will understand your travel needs and help you compare plans and quotes from different travel insurance companies.
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