Top 3 Travel Insurance Plans for Singaporeans

Travel Insurance can be an overwhelmingly complex comparison of words and numbers, but over the years things have got progressively simpler. There is the age old saying or "If you can't afford travel insurance, you can't afford to travel". For most travellers, the worst that will happen is a minor cold, a lost bag or a delayed flight and without insurance it's pretty easy to cover that yourself. But then there are the horror stories of a significant accident and repatriation back to your home country. Thankfully, literally every travel insurance policy will include a decent amount of emergency medical coverage and without being an insurance broker, anything is better than nothing. Over the past few years and more recently few months, there are a few goto plans I can recommend.

#1 at the moment for those living in Asia, is the Grab app and their S$1 (usual price $2.50) per day ASEAN region coverage underwritten by Chubb. It is the easiest insurance to purchase, no need to fill in your personal details, just dates and country of travel. A one day return trip is S$1, a 5 day trip is, you guessed it S$5. Check out their official website here, note that the premium is currently on sale.

My #2 goto, which could go back to #1 after the Grab promotion is FWD insurance. A very easy, straightforward coverage that has $1,000 laptop coverage and a beautiful user interface to be able to.

My #3, is a relative newcomer, DirectAsia Travel Insurance. If you are looking for coverage that covers rental vehicle excess up to S$1500, then I would have a look at this one first. Our car rental in Austria had an excess of €900 (S$1,362), so this was perfect.