Travel Insurance for Singapore

Planning a holiday to Singapore? Compare quotes for policies and get quality cover at the right price

Singapore is an island nation, known for its captivating sights, nightlife, restaurants and accommodation listings. There are also numerous nature reserves and parks where you can have a good time enjoying the outdoors on holiday or during your business trips.

From cancelled flights, missed flight connections to lost luggage, there is a lot that can go wrong while on your dream trip to Singapore. To ensure that you make the most of your time in the country and enjoy all it has to offer, it helps to have travel insurance for Singapore to cover you for any inconveniences you may experience.

When looking for travel insurance for Singapore, ensure that you get a policy with medical insurance, preferably one that offers an option for repatriation back to Australia in case of an emergency. It would also help to get a policy that covers your baggage and other personal gear e.g. your laptop, tablet and travel documents.

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Do I Need Travel Insurance for Singapore?

Many Australians travel to Southeast Asia each year, some without considering the possibility of something going wrong. Unfortunate events such as losing your luggage, documents or even cash can ruin your dream vacation and leave you stranded in a foreign country, which is why travel insurance for Singapore is so important.

With travel insurance for Singapore, you can rest easy on your trip knowing that you are covered should anything happen. If you are travelling to Singapore or any other destination, you cannot afford to ignore the chance of unfortunate occurrences hampering your stay.

Medical emergencies, personal liability concerns and car rental expenses can all be covered by travel insurance for Singapore, leaving you with less to worry about and more time to relax and enjoy your time abroad. Shop around for travel insurance that fits your budget and covers most of your specific needs including any activities that you intend to undertake such as mountain climbing.

Generally, Singapore is safe to travel around, although having travel insurance that covers you for medical emergencies, the loss of personal luggage and cash to theft and the loss or damage of your gear is important especially due to the ever present threat of pickpockets in busy streets.

Despite Singapore boasting first-class medical service, it is important to note that the best care is offered in private hospitals, which can be quite expensive. Buying travel insurance for Singapore, not only buys you affordable medical assistance in case of emergencies, but it also buys you peace of mind.

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Is Singapore a Safe Travel Destination?

Singapore is a safe and clean country with a rich culture, great climate and lots of fun activities to enjoy. The country boasts great medical services, a bustling nightlife and an English-speaking population. However, just like travelling anywhere, there are situations that travellers should be aware of including:

  • Crime. Petty crime can be a concern, so your personal belongings could be stolen if you are not careful.
  • Terrorism. There have also been a few terrorism scares in past years, but the government has done a lot to step up security.
  • Diseases. Being a hot and humid country, foreigners may be prone to tropical diseases such as malaria.
  • Laws. In Singapore, the penalties for drug offences are severe. There are also laws on “outrage of modesty”, which include using inappropriate language and inappropriate touching, men behaving inappropriately towards women. These laws are strictly enforced and punishments include fines, imprisonment, and/or corporal punishment (caning).
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What Will a Travel Insurance Policy for Singapore Usually Cover?

Despite the country being generally safe accidents happen, which is why you need travel insurance. The type of insurance you need varies depending on your situation.

  • Medical. Travel insurance for Singapore will have medical cover to cater for all unexpected illnesses or any serious injuries, covering all emergency ambulance costs, cost of medical care including hospital admission, medication and accommodation.
  • Repatriation. There may be an option for repatriation should you require specialist care or should you be too ill or injured to remain in the country any longer.
  • Luggage. Travel insurance also has an option for luggage cover and rental vehicle insurance excess. If you are travelling with expensive gear or important documents, you should consider insurance that covers them for loss, damage or theft.
  • Cancellation. Flight cancellations, delayed luggage, missed flights connections or flight cancellations are also covered by your travel insurance for Singapore.
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Why Singapore a Traveller Hotspot?

Singapore offers a unique feast for the senses with its diverse foods, fascinating culture and breathtaking scenes. If you love the outdoors, culture and good food, then Singapore will definitely offer you an unforgettable experience.

photo of the singapore skyline in the evening
  • Safaris. One of the main highlights for anyone visiting the country are the night safaris where you enjoy walking through the parks and zoos in the city at night.
  • Cuisine. Many also rate the country as a top hotspot to visit due to the wide array of foods available for you to savour. The streets are full of food stalls serving local delicacies that are bound to make your taste buds explode. There are countless Thai and Chinese restaurants in the streets serving up delicious foods and fruit flavours.
  • Night life. For night lovers, there are many full moon beach parties to enjoy and spectacular night festivals with enthralling performances to check out.
  • Culture. Art lovers also have lots to look forward to as they can visit the Buddha Tooth Relic Temple and museum or visit the trick eye museum that offers mind bending optical illusions that capture the imagination. Known for its magnificent parks, Singapore is home to the Merlion Park that houses some of the most majestic icons in the country.
  • Nature. Nature lovers can also visit the Gardens by the Bay where they can admire thousands of rare plants and marvel at 16-story tall super-trees. The country is also known for its river safaris, famous food trails and carnivals that serve up mesmerising laser displays.
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More Singapore Travel Tips

The list of things to do while in Singapore is long, so here is a little taste:

  • Apart from dining and sightseeing, you can also get to shop for exquisite items along the famed retail stretch of Orchard Road where you can pick up several rare souvenirs to take back home.
  • There will also be numerous events you can attend and enjoy, such as the exquisite Cavalia ballet and the interesting night festivals where you can unwind and watch entertaining performances.
  • As you enjoy your time in this beautiful country, don’t forget to respect the rich Singaporean culture. For instance, whenever you enter a home or a museum, remember to always remove your shoes. Singaporeans take keeping their city clean very seriously and have strict rules to enforce it. While walking in the streets, be careful not to litter, drop chewing gum or smoke in illegal areas as this could easily get you into trouble with the local authorities.
  • To make your visit to Singapore more pleasant, it is also important to know how to interact with different people. Singapore has many diverse cultures, and knowing how to greet people properly is important. While most young Singaporeans have adopted the western handshake, older folks are more conservative and stick to their traditional greetings. Moreover, remember that the country is mostly hot and humid so be sure to dress lightly on your travels.
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Travel Insurance for Singapore FAQs

Why do I need travel insurance for Singapore?

Travel insurance is important because it protects you against unexpected expenses such as:

  • missed flights
  • loss of luggage
  • accidents
  • emergency medical care
  • unforeseen flight and luggage delays
  • loss of personal items.

Who can purchase a policy?

All permanent Australian residents can purchase travel insurance for Singapore. Specific age requirements may apply depending on the policy you go for.

Is my Luggage covered?

Yes. Most travel insurance for Singapore policies will cover you if your luggage is accidentally damaged, stolen or lost. However, you must take all necessary precautions to keep your belongings safe. For example, leaving your luggage unattended at an airport or in an unmanned car may lead to your insurer not paying your claim. You should also inform the insurance company immediately you discover that your belongings are lost and file a police report.

Can I get a refund on my travel insurance for Singapore?

Usually, there is a cooling off period within which you can get refunded provided you have not started your journey and do not wish to exercise any of the rights under the policy i.e. make a claim. The cooling off period varies with the travel insurance policy you apply for but it is generally around 2 weeks.

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Who do I contact in an emergency?

If you find yourself in an emergency in Malaysia, some of helpful contacts include:

    • You travel insurer. You insurance provider will have an 24/7 helpline for claims and medical emergencies.
    • National emergency hotline. You can reach this service by dialing 999.
    • Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in the Malaysia below.

Travel insurance traps you must avoid in Singapore

When travelling in the Singapore you must be aware these circumstances that will exclude your travel insurance

  • Leaving belongings and valuable items unattended e.g. petty crime like theft is a known to exist in Singapore.
  • Losses that occur from being under the influence of drugs or alcohol e.g. hurting yourself whilst drinking
  • Losses that occur from breaking the law e.g. possessing drugs is a serious offence in Singapore.

5 steps to selecting travel insurance for Singapore

When selecting the level of travel insurance you will need, there are five questions to ask yourself:

  • 1. How many times will you go to Singapore this year? Decide on single trip or annual multi-trip cover
  • 2. What activities in Singapore will you take part in? If you plan on Zip Lining make sure you look for a travel insurance policy that provides adequate cover.
  • 3. Are you taking valuable items? Consider extra cover for expensive cameras and electronics you take to Singapore.
  • 4. Do you have any medical conditions? Make you declare any pre-existing medical conditions and pay for any extra cover necessary
  • 5. Do you prefer paying more upfront or only when you have to claim? Look at both the price of the policy and excess required for claims.

Apply for Singapore Travel Insurance

Planning on travelling to Singapore? Make purchasing travel insurance for Singapore a priority to ensure your trip is smooth and enjoyable. Travel insurance for Singapore will cover you for medical emergencies, missed or cancelled flights, lost, damaged or stolen luggage and emergency travel and accommodation expenses.

Cases of Australians running into difficulty while overseas are not uncommon, and incidents such as delayed luggage, petty theft of luggage and gear or medical emergencies can wreak havoc on any traveller. With travel insurance for Singapore, you will be purchasing peace of mind and will be able to enjoy all that Singapore has to offer without constantly worrying about what could go wrong.

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*Price based on quote for basic policy for a 2 day trip for 18 year old traveller. Please note that prices are subject to change. Price last checked as correct on October 2016.
Picture: Shutterstock

Richard Laycock

Richard is the insurance editor at He is on a mission to make insurance easier to understand.

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