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Best Travel Insurance in Singapore 2024: Sign-Up Gifts, Coverage, and Comparisons

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Travel insurance is a crucial aspect of trip planning that often gets overlooked. In this comprehensive guide, we will delve into why you need travel insurance, what plans typically cover, specific queries about canceled flights and regional travel, and a detailed comparison of the best travel insurance options in Singapore. Plus, we’ll highlight the best sign-up gifts and promotions to make your travel insurance purchase even more worthwhile.

TL;DR: Jump straight to on-going travel insurance and sign up gifts here.

Do I Need Travel Insurance?

The Importance of Travel Insurance

Travel insurance provides peace of mind and financial protection against unforeseen events that can disrupt your travel plans. Whether it's a medical emergency, trip cancellation, or lost baggage, having the right travel insurance ensures you're covered.

Common Scenarios Where Travel Insurance is Beneficial

  • Medical Emergencies: Coverage for medical expenses and hospital stays while abroad.
  • Trip Cancellations: Reimbursement for non-refundable trip costs if your plans are canceled for covered reasons.
  • Lost or Delayed Baggage: Compensation for lost, stolen, or delayed baggage.
  • Travel Delays: Coverage for additional expenses incurred due to travel delays.

What Do Travel Insurance Plans Cover?

Most travel insurance plans offer the following types of coverage:

Coverage details

Coverage Categories

Details

Medical Coverage

  • Emergency medical expenses
  • Hospitalization
  • Emergency dental treatment

Trip Cancellation and Interruption

  • Reimbursement for non-refundable trip costs
  • Coverage for interruptions due to illness, injury, or other covered reasons

Baggage and Personal Belongings

  • Compensation for lost, stolen, or damaged baggage
  • Coverage for delayed baggage

Travel Delays

  • Reimbursement for additional expenses due to travel delays
  • Coverage for missed connections

Specific Benefits to Look For

When choosing a travel insurance plan, consider these additional benefits:

  • Coverage for adventure sports and activities
  • Rental car coverage
  • Coverage for pre-existing medical conditions
  • 24/7 emergency assistance

Highlights of the Best Sign-Up Gifts and Promotions

Direct Asia Travel Insurance

Direct Asia

InsuranceBonus/RewardsTerms

Direct Asia

40% discount (click the apply button to apply the discount automatically)

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Allianz Travel Insurance

Allianz Travel Insurance

InsuranceBonus/RewardsTerms

Allianz Travel Insurance

Apply by 31 Dec 2024

  • Exclusive 52% off for Dive users
  • Use promo code "DDAZ"
  • Single Trip: Get S$6 Lazada voucher with S$95 spend for first 200 customers
  • Annual Trip: Get S$15 Lazada voucher with S$150 spend for first 100 customers

Lazada promo valid from 1 November 2024 (9:00 AM) - 31 December 2024 (5:30 PM)

Starr Travel Insurance

Starr TraveLead

InsuranceBonus/RewardsTerms

Starr TraveLead

Apply by 30 Dec 2024

  • Single Trip: Receive a S$10 Grab Voucher with a minimum premium of S$80 (limited to 474 customers).
  • Annual Trip: Receive a S$40 Grab Voucher with a minimum premium of S$280 (limited to 25 customers).
  • Lucky Draw: Win a year’s FREE Flights worth 364,000 KrisFlyer miles and other exciting rewards worth a total of S$160,000!

Promotion period: 1 November (9:00 AM) - 30 December 2024 (5:30 PM)

Terms and Conditions apply. 

HL Assurance Travel Insurance

HLAS Travel Protect360

InsuranceBonus/RewardsTerms

HLAS Travel Protect360

Apply by 30 Sept 2024

  • Annual Trip: The first 40 customers who spend a minimum premium of S$250 and above will get a S$50 Shopee voucher
  • Annual Trip: The first 30 customers who spend a minimum premium of S$450 and above will get a S$100 Shopee voucher

Promotion period: 4 - 30 September 2024

Great Eastern Travel Insurance

Great Eastern TravelSmart

Great Eastern TravelSmart

InsuranceBonus/RewardsTerms

Great Eastern TravelSmart

Apply by 30 Dec 2024

  • BAU: Get up to 45% discount.
  • Single Trip (Elite and Classic Plan): Enjoy 45% off when you use promo code EARLY45. 
  • Annual Trip: Get a 15% discount when you use the promo code TSP15A. 

BAU promo valid from 1 November - 30 December 2024.

Singlife Travel Insurance

Singlife Travel Lite

Singlife Travel Lite

InsuranceBonus/RewardsTerms

Singlife Travel Lite

Apply by 30 Dec 2024

  • Single Trip: Receive a S$6 Lazada voucher when you spend a minimum premium of S$150 (limited to 300 customers)
  • Annual Trip: Receive a S$70 Lazada voucher when you spend a minimum premium of S$400 (limited to 100 customers)

Promotion period: 1 November (9:00 AM) - 30 December 2024 (5:30 PM)

Check out these other deals

Expedia
Activities • Staycation • Vacation
25% off or more on hotels for members
Trip
Vacation
Invite and earn up to S$200
Katong Flower Shop
Flowers
15% off Floral Arrangements and Plants

MSIG Travel Insurance

MSIG TravelEasy

InsuranceBonus/RewardsTerms

MSIG TravelEasy

Apply by 30 Dec 2024

  • Receive S$6 cash via PayNow with a minimum premium of S$65 (limited to 500 customers).
  • Receive S$20 cash via PayNow with a minimum premium of S$120 (limited to 300 customers).
  • Receive S$40 cash via PayNow with a minimum premium of S$240 (limited to 100 customers).

Promotion period: 1 November (9:00 AM) - 30 December 2024 (5:30 PM).

Terms and Conditions apply.

Seedly Travel Insurance

Seedly Travel Safe Secure

InsuranceBonus/RewardsTerms

Seedly Travel Safe Secure

Apply by 30 Sept 2024

  • Enjoy 50% off when you apply.
  • Save & take Flight: Earn 4 KrisFlyer or Max miles per dollar spent.
  • Smart Delay: Enjoy complimentary lounge access for you and 4 companions in case of flight delays of 1 hour and more.

Promotion period: 1 - 30 September 2024.

Terms and conditions apply

AIG Travel Insurance

AIG Travel Guard

InsuranceBonus/RewardsTerms

AIG Travel Guard

Apply by 29 Nov 2024

  • Receive up to S$80 cash via PayNow
  • Single Trip: Get S$10 cash via PayNow with a minimum spend of S$95 (limited to the first 50 eligible applicants)
  • Annual Trip: Get S$80 cash via PayNow with every purchase (limited to the first 25 eligible applicants)

Promotion period: 1 - 29 November 2024. 

Terms and conditions apply

Check out these other deals

Lenovo Flagship Store
Computers • Consumer Electronic • Men • Mobile Phone • Tablets
Additional 6% off all products
Tiger Brokers
Finance • Investments
Enjoy up to S$1,260 worth of perks!
Pelago
Activities • Attractions • Family • Staycation • Vacation
30% OFF Disney Cruise Singapore

Travel Insurance Comparison

To be honest I’m not sure anyone who would be able to do a proper review due to the fact that you’d have to incur incidents for proper review, to submitting claims etc. What we can only compare here is the coverage on face value, and the process of doing so.

FAQ Section

Under what conditions does travel insurance cover flight cancellations?

Travel insurance typically covers flight cancellations under specific conditions such as illness or injury preventing you from traveling, severe weather conditions, natural disasters, or airline strikes and bankruptcies.

What should I check in my policy regarding flight cancellations?

Always review your policy to understand what is covered. Look for specific reasons for trip cancellation coverage, documentation required for claims, and maximum reimbursement limits.

What if I’m Only Traveling to Malaysia or neighboring countries?

Even for short trips to neighboring countries like Malaysia, travel insurance is advisable. Unexpected events can still occur, and having coverage ensures you're protected.

What should I look for in a travel insurance plan?

When choosing a travel insurance plan, consider these factors:

  • Coverage for emergency medical expenses
  • Trip cancellation and interruption coverage
  • Compensation for lost, stolen, or damaged baggage
  • Additional benefits like adventure sports coverage, rental car coverage, and 24/7 emergency assistance

How do I choose the best travel insurance plan?

There are a few tips as we shared below:

  • Assess Your Needs: Consider your travel frequency, destinations, and activities.
  • Compare Coverage: Look at the coverage limits and exclusions.
  • Check Reviews: Read customer reviews and ratings for insights.
  • Consider the Cost: Balance the premium cost with the coverage provided.

Conclusion

Having travel insurance is a smart and necessary step for any trip. It offers invaluable protection against unforeseen events and ensures peace of mind while traveling. Stay updated with the latest sign-up offers and changes to travel insurance plans by regularly visiting this blog. Safe travels!

Future Updates

This blog will be regularly updated with new sign-up offers and any changes to travel insurance plans. Bookmark this page and check back often to stay informed about the latest travel insurance promotions in Singapore.

Frederick Lim

Dive's resident deal-hunting guru, a connoisseur of discounts and vouchers! When he's not scouring the web for the best promotions, you can find him indulging in his two passions: people and food. With a plate in one hand and a pen in the other, he's always ready to dish out the latest scoop on gadgets and gizmos.

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