The Best Travel Insurance in Singapore for Families

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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

With COVID-19 Coverage. Receive your policy documents immediately.

9 February - 29 February 2024
Single Trip Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Get Up to S$38 Rewards via PayNow and 40% discount when you buy NOW!
Annual Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Get Up to S$38 Rewards via PayNow and 20% discount when you buy NOW!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of MSIG Travel Insurance entitles you to 3x lucky draw chances (Double Up If you are our Registered User)!

 

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.

9 February - 29 February 2024
Single Trip Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Get Up to S$38 Rewards via PayNow and 40% discount when you buy NOW!
Annual Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Get Up to S$38 Rewards via PayNow and 20% discount when you buy NOW!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of MSIG Travel Insurance entitles you to 3x lucky draw chances (Double Up If you are our Registered User)!

¹The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.

Compare Travel Insurance, Buy NOW

 

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.

23 February - 8 March 2024
Single Trip/ Annual Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Use promo code PPAZ to get Up to S$40 Rewards via PayNow and 56% discount when you buy NOW!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of Allianz Travel Insurance entitles you to 1x lucky draw chances (Double Up If you are our Registered User)!
Compare Travel Insurance, Buy NOW

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.

1 February - 29 February 2024
Single Trip Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Use promo code TIQPP to get Up to S$10 Rewards via PayNow and 45% discount when you buy NOW!
Annual Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Use promo code TIQPP to get Up to S$10 Rewards via PayNow and 60% discount off Covid-19 add on when you buy NOW!
First 1,000 applicants gets ESIM by JetPac 1GB - applicable for Single and Annual Trip plans!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of TIQ Travel Insurance entitles you to 2x lucky draw chances (Double Up If you are our Registered User)!
Compare Travel Insurance, Buy NOW

 

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

With COVID-19 Coverage. You can customise your Travel Insurance policy to suit your needs!

Limited Time Deal
  • Use promo code PPVTL35 to get 35% discount when you BUY NOW!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of Starr TraveLead Travel Insurance entitles you to 1x lucky draw chances (Double Up If you are our Registered User)!

Related: Travel Essentials for Every Trip – From the Best Travel Insurance to Miles Credit Card

Compare Travel Insurance, Buy NOW

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

COVID-19 is not included (optional/ add on)

21 - 25 February 2024
Single Trip Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Use promo code POLICYPAL to get Up to S$10 Rewards via PayNow and 25% discount when you buy NOW!
Annual Plan
  • Exclusive AMTD PolicyPal Group, T&Cs Apply
    Use promo code POLICYPAL to get Up to S$10 Rewards via PayNow and 25% discount when you buy NOW!

In addition, participate in our Prosperity Draw For An Abundant New Year (1 - 29 February 2024) and Stand to win S$688 in Cash, Apple Watch and more!
Each purchase of FWD Travel Insurance entitles you to 1x lucky draw chance (Double Up If you are our Registered User)!

 

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!

Want to know more about PolicyPal insurance plans?

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Cannot find what you are looking for? Please reach out to us at Contact AMTD PolicyPal

 

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.

 

Read more

Do I Need Critical Illness Insurance Coverage?

Welcome to Adulthood: Insurance Edition

Guide To New Travel Measures & Travel Insurance 2023

 

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