Comprehensive Travel Insurance Singapore

In Singapore, there are numerous travel insurance providers offering different plans that are tailored to the needs of people with different requirements. Among the various plans offered by each insurer, the comprehensive travel insurance plan offers maximum benefits both in terms of the amount and the variety of coverage.

How is a Comprehensive Plan Different from a Basic Plan?

There are numerous differences between a basic plan and a comprehensive travel insurance plan. Here is a list of some of the major differences:

  • The coverage amount for a comprehensive plan is much higher than what you will get with a basic plan. This is the case with every insurance provider. So if you want better coverage, opting for a comprehensive plan will be the right choice. For instance, with Chubb Travel Insurance, the amount you get for accidental death and disablement is just S$50,000 with the basic plan while it is S$500,000 with the comprehensive plan.
  • You will get additional benefits such as terrorism cover, rental excess cover, pregnancy cover, credit card fraud cover, and more with comprehensive plans which you are not likely to get with a basic plan. For example, with Aviva Travel Lite, you will not get any coverage for unauthorised use of credit cards, but with Travel Prestige which is the most comprehensive plan, you will get a benefit of up to S$1,000.
  • The cost of a comprehensive plan will be much higher than the basic plan as you will have to pay more for the additional benefits. For example, with FWD, you will have to pay up to S$26 with the basic plan and up to S$52 with the comprehensive plan, for a five-day trip to Australia.
  • With a comprehensive plan, you will get the flexibility of tailoring the benefits as per your needs which you may not be able to do with a basic plan. For example, with NTUC Income, you have the option of upgrading a child cover to an adult cover.
Also Read: Compare Travel Insurance Singapore

Who Should Purchase a Comprehensive Plan?

Since a comprehensive plan is often the most expensive, not all travellers will opt for it irrespective of the degree of benefits offered. So you should ideally go for a comprehensive plan under the following circumstances (but not limited to):

  • You are travelling to a place where you are much likely to face travel inconveniences such as flight delay for reasons like bad weather or if you are going to a place where there is a high risk of getting ill. However, before purchasing a policy make sure that the insurer will provide coverage for any eventuality.
  • You are not willing to take any risk and want coverage for specific events, for instance if you wish to indulge in adventurous activities that you might not get with any other plan.
  • If you wish to have your home contents protected when you are going on a long holiday, a comprehensive insurance plan will be more beneficial than a basic plan.
  • You are pregnant or if you have a pre-existing medical condition, you will get much better coverage with a comprehensive plan offered by MSIG and NTUC that offers specific plans for people with pre-existing medical conditions.

So before you go abroad, make sure you have done your research appropriately by comparing the benefits offered by different insurers and get a proper understanding of whether a comprehensive plan is suitable to your travel needs or not.   

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