AMTD PolicyPal Whether you’re planning a relaxing beach vacation or a sightseeing trip across a foreign city, safeguarding your family’s well-being is paramount for your peace of mind. Learn about the best travel insurance plans in Singapore that cater to kids, adults, and elders.
Having travel insurance when travelling should be non-negotiable. If you’re travelling with your loved ones, it’s vital to get comprehensive coverage for everyone in tow, wherever you go.
When picking the best travel insurance for families, be sure to take into account medical coverage for children and elderly relatives. This expands to cover trip cancellations or delays and hospital visits. You may even have some family members with an adventurous streak in them, making travel insurance covering recreational activities a good add-on.
This article explores the different types of travel insurance plans that cater for families, so that you can pick the best one for you and your brood.
MSIG TravelEasy
Individual Travel Insurance
|
Insurance Plan & Coverage Type |
Standard Plan |
Elite Plan |
Premier Plan |
|
Accidental Death & Total Permanent Disability |
|||
|
Adult below 70 years |
S$150,000 |
S$200,000 |
S$500,000 |
|
Adult 70 years & above |
S$50,000 |
S$75,000 |
S$100,000 |
|
Child |
S$50,000 |
S$75,000 |
S$100,000 |
|
Overseas Medical Expenses |
|||
|
Adult below 70 years |
S$250,000 |
S$500,000 |
S$1,000,000 |
|
Adult 70 years & above |
S$50,000 |
S$75,000 |
S$100,000 |
|
Child |
S$150,000 |
S$200,000 |
S$300,000 |
|
Medical Expenses in Singapore Treatment within 72 hours of return to Singapore |
|||
|
Adult below 70 years |
S$25,000 |
S$50,000 |
S$75,000 |
|
Adult 70 years & above |
S$5,000 |
S$7,500 |
S$10,000 |
|
Child |
S$10,000 |
S$20,000 |
S$30,000 |
|
Traditional Chinese Medicine Expenses |
|||
|
Adult |
S$200 |
S$400 |
S$600 |
|
Child |
S$100 |
S$250 |
S$300 |
|
Emergency Medical Evacuation & Repatriation |
S$1,000,000 |
||
|
Travel Cancellation |
S$5,000 |
S$10,000 |
S$15,000 |
|
Delayed Departure |
Max S$500 |
Max S$1,000 |
Max S$1,500 |
|
Loss of Travel Documents |
S$2,000 |
S$3,000 |
S$5,000 |
|
Fraudulent Use of Credit Card |
Not available |
S$2,000 |
S$3,000 |
|
Personal Liability |
|||
|
Adult |
S$500,000 |
S$1,000,000 |
S$1,000,000 |
|
Child |
S$250,000 |
S$500,000 |
S$500,000 |
|
Terrorism Cover |
S$200,000 |
S$300,000 |
S$500,000 |
|
Promotion |
|
||
MSIG TravelEasy
Adult & Children/Family (in total)¹ Travel Insurance
|
Insurance Plan & Coverage Type |
Standard Plan |
Elite Plan |
Premier Plan |
|
Accidental Death & Total Permanent Disability |
S$400,000 |
S$550,000 |
S$1,200,000 |
|
Overseas Medical Expenses |
S$800,000 |
S$1,400,000 |
S$2,600,000 |
|
Medical Expenses in Singapore Treatment within 72 hours of return to Singapore |
S$70,000 |
S$140,000 |
S$210,000 |
|
Traditional Chinese Medicine Expenses |
S$600 |
S$1,300 |
S$1,800 |
|
Emergency Medical Evacuation & Repatriation |
S$1,000,000 |
||
|
Travel Cancellation |
S$12,500 |
S$25,000 |
S$37,500 |
|
Delayed Departure |
S$1,000 |
S$2,000 |
S$3,000 |
|
Loss of Travel Documents |
S$4,000 |
S$6,000 |
S$10,000 |
|
Fraudulent Use of Credit Card |
Not available |
S$2,000 |
S$3,000 |
|
Personal Liability |
S$500,000 |
S$1,000,000 |
S$1,000,000 |
|
Terrorism Cover |
S$800,000 |
S$1,200,000 |
S$2,000,000 |
|
Promotion |
With COVID-19 Coverage. Receive your policy documents immediately. 26 April - 28 April 2024 Single Trip Plan
|
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¹The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.
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Allianz Travel
|
Insurance Plan & Coverage Type |
Bronze Plan |
Silver Plan |
Platinum Plan |
|
Accidental Death & Total Permanent Disability |
S$50,000 |
S$100,000 |
S$100,000 |
|
Overseas Emergency Medical & Dental Coverage |
|||
|
Age 0 – 69 years |
S$250,000 |
S$500,000 |
S$1,000,000 |
|
Age 70 years and above |
S$50,000 |
S$75,000 |
S$100,000 |
|
Dental care maximum sublimit |
S$250 |
||
|
Traditional Chinese Medicine sublimit |
S$250 |
S$250 |
S$300 |
|
Continuation of Medical Treatment in Singapore for a Maximum of 14 Days |
|||
|
Age 0 – 69 years |
Not available |
S$2,000 |
S$2,500 |
|
Age 70 years and above |
Not available |
S$1,000 |
S$1,250 |
|
Trip Cancellation Coverage |
S$5,000 |
S$5,000 |
S$10,000 |
|
Travel Delay Coverage Daily Limit |
S$800 S$400 |
S$1,200 S$400 |
S$1,600 S$400 |
|
Identification Document Coverage |
S$250 |
||
|
Promotion |
With COVID-19 Coverage. 1 April - 30 April 2024 Single Trip/ Annual Plan
|
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Related: How Travel Insurance Can Protect Your Refund Rights for Flight Cancellations and Delays
Tiq Travel
|
Insurance Plan & Coverage Type |
Entry |
Savvy |
Luxury |
|
Personal Accident (Accidental Death & Permanent Disablement) |
|||
|
Adult aged below 70 years old |
S$150,000 |
S$300,000 |
S$500,000 |
|
Adult aged above 70 years old |
S$30,000 |
S$40,000 |
S$50,000 |
|
Child |
S$50,000 |
S$100,000 |
S$200,000 |
|
Medical Expenses Incurred Overseas |
|||
|
Adult aged below 70 years old |
S$200,000 |
S$500,000 |
S$1,000,000 |
|
Adult aged above 70 years old |
S$30,000 |
S$50,000 |
S$75,000 |
|
Child |
S$75,000 |
S$150,000 |
S$250,000 |
|
Medical Expenses Incurred in Singapore |
|||
|
Adult aged below 70 years old |
Not covered |
S$7,500 |
S$10,000 |
|
Adult aged above 70 years old |
S$1,000 |
S$3,000 |
|
|
Child |
S$2,500 |
S$5,000 |
|
|
Emergency Medical Evacuation |
Combined limit of up to S$1,000,000 |
Combined limit of up to S$1,500,000 |
Combined limit of up to S$1,800,000 |
|
Repatriation of Mortal Remains to Singapore |
Combined limit of up to S$1,000,000 |
Combined limit of up to S$1,500,000 |
Combined limit of up to S$1,800,000 |
|
Trip Cancellation and Loss of Deposit |
S$5,000 |
S$5,000 |
S$10,000 |
|
Loss of Travel Documents (including money) |
Personal money: S$100 Personal documents: S$150 |
Personal money: S$300 Personal documents: S$250 |
Personal money: S$500 Personal documents: S$500 |
|
Travel Delay |
S$300 (S$50 per 3 hours) |
S$500 (S$50 per 3 hours) |
|
|
Personal Liability |
S$250,000 |
S$500,000 |
S$750,000 |
|
Act of Terrorism |
|||
|
Adult aged below 70 years old |
S$100,000 |
S$200,000 |
S$300,000 |
|
Adult aged above 70 years old |
S$30,000 |
S$40,000 |
S$50,000 |
|
Child |
S$50,000 |
S$75,000 |
S$100,000 |
|
Promotion |
With COVID-19 Coverage. 18 April - 30 April 2024 Single Trip Plan
|
||
Starr TraveLead
This table shows the Insurance Plan & Coverage Type for Bronze, Silver, and Gold family plans. As for Starr Single Trips, you can opt for customised benefits via these plans – Essential Plan, Trip Secured Plan, Valuables Secured Plan, and Comprehensive Plan.
|
Insurance Plan & Coverage Type |
Bronze |
Silver |
Gold |
|
Accidental Death & Disablement |
|||
|
Insured person of age below 18 years |
S$60,000 |
S$90,000 |
S$120,000 |
|
Insured person of age 18 to 70 years |
S$150,000 |
S$300,000 |
S$500,000 |
|
Insured person of age above 70 years |
S$40,000 |
S$60,000 |
S$80,000 |
|
Medical Expenses (Includes A, B, and C) |
S$200,000 (sub-limit as below) |
S$500,000 (sub-limit as below) |
S$1,000,000 (sub-limit as below) |
|
Insured person of age below 18 years |
S$60,000 |
S$150,000 |
S$300,000 |
|
Insured person of age 18 to 70 years |
S$200,000 |
S$500,000 |
S$1,000,000 |
|
Insured person of age above 70 years |
S$40,000 |
S$100,000 |
S$200,000 |
|
A. Follow-Up Medical Treatment in Singapore |
|||
|
Insured person of age below 18 years |
S$2,000 |
S$4,000 |
S$8,000 |
|
Insured person of age 18 to 70 years |
S$15,000 |
S$20,000 |
S$50,000 |
|
Insured person of age above 70 years |
S$1,500 |
S$2,500 |
S$5,000 |
|
B. Chinese Medicine, Bone-Setting, Acupuncture, Physiotherapy, and Chiropractic Treatment -Sublimit per day/visit/trip |
|||
|
B. Coverage |
S$100 per day per visit S$200 per trip |
S$100 per day per visit S$400 per trip |
S$100 per day per visit S$600 per trip |
|
C. Overseas Hospital Cash |
|||
|
C. Coverage |
S$200 per day S$5,000 per trip |
S$200 per day S$10,000 per trip |
S$200 per day S$15,000 per trip |
|
Document Loss |
S$2,000 |
S$3,000 |
S$4,000 |
|
Trip Cancellation |
S$5,000 |
S$10,000 |
S$15,000 |
|
Personal Liability |
S$500,000 |
S$800,000 |
S$1,000,000 |
|
Promotion |
|||
Related: Travel Essentials for Every Trip – From the Best Travel Insurance to Miles Credit Card
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FWD Travel Insurance: Best for Enhanced Family Travel Insurance Coverage
|
Insurance Plan & Coverage Type |
Premium |
Business |
First |
|
Accidental Death & Permanent Disability (Benefit Limit Per Person) |
|||
|
Adult below 70 years old |
S$200,000 |
S$300,000 |
S$400,000 |
|
Adult 70 years or older |
S$40,000 |
S$60,000 |
S$80,000 |
|
Overall limit for Family plans |
S$500,000 |
S$750,000 |
S$1,000,000 |
|
Child younger than 21 covered under Family Plan |
S$60,000 |
S$90,000 |
S$120,000 |
|
Overseas Medical Expenses |
|||
|
Adult below 70 years old |
S$200,000 |
S$500,000 |
S$1,000,000 |
|
Adult 70 years or older |
S$40,000 |
S$100,000 |
S$200,000 |
|
Dental expenses (caused by Accident) sublimit |
S$2,000 |
S$5,000 |
|
|
Overall limit for Family plans |
S$500,000 |
S$1,250,000 |
S$2,500,000 |
|
Child younger than 21 covered under Family Plan |
S$60,000 |
S$150,000 |
S$300,000 |
|
Mobility aids sublimit |
Not available |
S$500 |
S$1,000 |
|
Medical Expenses After Returning to Singapore |
|||
|
Adult below 70 years old |
S$6,000 |
S$15,000 |
S$30,000 |
|
Adult 70 years or older |
S$1,200 |
S$3,000 |
S$6,000 |
|
Dental expenses (caused by Accident) sublimit |
S$2,000 |
S$5,000 |
|
|
Overall limit for Family plans |
S$15,000 |
S$37,500 |
S$75,000 |
|
Child younger than 21 covered under Family Plan |
S$1,800 |
S$4,500 |
S$9,000 |
|
Mobility aids sublimit |
Not available |
S$500 |
S$1,000 |
|
Chinese Medicine, Physiotherapist, and Chiropractor |
S$300 |
S$500 |
S$1,000 |
|
Personal Liability |
S$500,000 |
S$750,000 |
S$1,000,000 |
|
Loss of passport, travel documents & theft of money Sublimit for theft of money is S$300 |
S$300 |
S$600 |
S$1,000 |
|
Emergency Medical Evacuation & Repatriation |
Unlimited |
||
|
Promotion |
|
||
Compare Travel Insurance, Buy NOW
Five Questions You May Have on Travel Insurance for Families
What other add-ons can I consider for my travel insurance package?
Some travel insurers provide coverage for adventurous activities, golfing, and also pre-existing conditions. While this may include a nominal extra sum based on your choice, it pays to stay protected while you’re exposed to added risks while travelling.
How much do family travel insurance premiums cost?
This depends on the duration of your stay and the destination itself, as well as the number of people, their age group, and if they have any medical conditions they need extra coverage for.
Want to find out more about travel insurance costs? Find out here.
Do I still need COVID-19 coverage when I travel with my family?
While most travel insurers provide coverage for COVID-19 (either embedded or as a rider/ optional add on), it would be good to find out what their family plan limits are. This would be especially handy if one or more of your family members contact COVID-19 before, during, or after travelling abroad.
Is the complimentary travel insurance from my credit card enough?
Credit cards, especially miles cards, tend to provide complimentary travel insurance coverage. This may not extend to your family members nor have ample coverage limits based on your needs. It’s always best to supplement it with a basic or comprehensive travel insurance plan.
What are the best travel insurance companies in Singapore?
That’s quite hard to pin down, as there’s no one-size-fits-all for travel insurance. The best thing you can do is compare travel insurance plans and go for the one which has the best reviews and coverage that you need.
Enquire more and contact us today!
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Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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