Travel insurance for Singapore

With comprehensive travel insurance for Singapore, you could find unlimited overseas medical expenses, competitive trip cancellation cover and protection for your personal belongings.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    If you’re preparing to travel to Singapore, you’re probably looking forward to the sights, the culture and sampling the best this remarkable island city-state has to offer. Travel insurance may not be the first thing on your mind – but it probably should be. Here’s why.

    Why do I need travel insurance for Singapore?

    There are a number of reasons to consider travel cover, but chiefly you'll need cover for COVID-19-related medical treatment and hospitalisation costs in Singapore. The Singaporean government has set this as a minimum of S$30,000 in cover.

    And it's not just COVID you can find medical cover for with the right travel insurance. It'll also provide you with cover for overseas emergency medical costs, including ambulance transport, surgical fees and hospital accommodation in Singapore. If you require medical evacuation or repatriation back to Australia, your travel insurer can cover that as well.

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    What other benefits does Singapore travel insurance offer?

    Comprehensive travel insurance also offers several other important benefits for Australian visitors to Singapore. These include:

    • Cover if you have to cancel your trip. Regardless of where you’re planning to travel, sometimes unexpected circumstances can turn your life upside down and force you to cancel your holiday. For example, a family member could pass away unexpectedly or your employer could cancel your pre-approved leave. If this happens, travel insurance can cover your cancellation fees and reimburse you for lost deposits.
    • Cover if your luggage is lost, stolen or damaged. If your luggage or personal items are lost, stolen or damaged in Singapore, comprehensive travel insurance covers the cost to repair or replace it.
    • Cover for luggage delays. If your airline temporarily misplaces your luggage when you touch down in Singapore, travel insurance can help you with the cost replacement of essential items like clothing and toiletries.
    • Cover for travel delays. Inclement weather, natural disasters, industrial action and a variety of other unforeseen events can cause frustrating disruptions and delays. Luckily, travel insurance can cover additional accommodation and meal costs you incur as a result.
    • Cover for rental vehicle insurance excess. If you hire a car and it’s crashed, stolen or maliciously damaged, the rental company will expect you to pay a hefty excess. But if you’ve got travel insurance, you can enjoy cover for some or all of this amount.
    • Cover for theft. If your wallet or bag is stolen during your trip, travel insurance can help reimburse you for any lost cash, replace stolen credit cards and ensure that you don’t become a victim of fraud.
    • Cover for lost or stolen passports. If you lose your passport or it’s stolen during your trip, your policy covers the cost of its replacement.

    These are far from the only benefits you can find on a comprehensive policy, so check the product disclosure statement (PDS) for more information about what your insurer will cover.

    Booked your flights to Singapore? It's time to get travel insurance.

    It's not as fun as planning a holiday, but it's the smart thing to do after you've booked. Get travel insurance to protect your trip from the unexpected.

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    What affects the cost of Singapore travel insurance?

    Many factors can have an impact on the cost of travel insurance for Singapore, including:

    • Your age. Because the health risks you face increase as you age, older travellers generally pay more for cover than their younger counterparts.
    • Where you’re travelling. Each country has its own level of risk, so cover could cost more if you’re planning on visiting multiple destinations rather than going to Singapore only.
    • The length of your trip. The longer the holiday you want to cover, the more you’ll have to pay for travel insurance.
    • Pre-existing medical conditions. You’ll need to disclose any pre-existing medical conditions when you apply for cover. While some conditions are automatically covered, others will attract a premium loading.
    • The level of cover you choose. Choosing a comprehensive travel insurance policy with an extensive range of benefits will cost more than if you choose a basic or medical-only policy.
    • What you’ll be doing on your trip. Planning on going on a cruise or participating in any high-risk adventure activities? If so, you’ll usually need to purchase additional cover.
    • Optional covers you add to your policy. You may also want to include other optional extras, such as a lower excess or increased cover for high-value personal items. This will see your premium increase.
    • Any discounts you can access. You may be able to lower your premium by accessing seniors discounts, online discounts, joint policy discounts, or by using travel insurance coupon codes.

    Are there any exclusions?

    Don’t assume that your Singapore travel insurance policy will cover everything that could possibly go wrong on your trip. Insurance is only designed to protect you against unexpected events and mishaps, so you won’t have any cover if:

    • You fail to take proper precautions. If your rental car is stolen after you leave it unlocked, unattended and with the keys in the ignition, don’t expect any sympathy from your insurer. The same goes for luggage and personal items that you leave unattended in public places.
    • You’re drunk or under the influence of drugs. This is a common exclusion and one that many travellers are unaware of, so be warned: any claims that arise because you were affected by alcohol or drugs may be rejected.
    • You break the law. Familiarise yourself with local laws, regulations and customs in Singapore before you travel, as your claim won’t be paid if it arises because you breach any prohibitions or act illegally.
    • You travel against medical advice. Listen to your doctor’s advice and follow any instructions they give you, as travelling against medical advice is frowned upon by insurers.
    • There are errors in your booking arrangements. Booked a flight to the wrong city? Booked a hotel at a different destination? Failed to get your passport organised in time? In any of these scenarios, your insurer won’t offer financial assistance.
    • You travel against government advice. Check the Department of Foreign Affairs and Trade’s (DFAT) Smartraveller website for the latest travel advisories. If you visit a destination against the advice in one of these travel warnings, you won’t be covered.
    • You have a pre-existing condition. You must disclose all pre-existing conditions when you apply for cover. If you do, the insurer may agree to cover that condition; if you don’t, any claims that arise because of it won’t be paid.
    • You take part in high-risk adventure activities. Planning on participating in any adventure activities on your Singapore trip? Check the fine print to make sure your policy covers it, as many adventure sports are excluded unless you purchase extra cover.

    There are many more exclusions you should be aware of before you travel, so take a look at our guide to travel insurance exclusions to find out more.

    5 travel tips for Singapore

    What else should you keep in mind ahead of your trip to Singapore? Here are 5 tips:

    • 1. Visit your doctor. Have a check-up with your doctor at least a couple of months before you travel to make sure all your vaccinations are up to date and that you’re fit to travel.
    • 2. Obey strict drug laws. Singapore imposes harsh penalties on drug offences, including the death penalty, so make sure you stay on the right side of the law. The detection of illegal drugs in your blood or urine constitutes an offence, so you could even be prosecuted for drugs you consumed before arriving in Singapore.
    • 3. “Outrage of modesty” laws. There are also harsh laws concerning the outrage of modesty, which includes offences committed while under the influence of alcohol, inappropriate language and men behaving inappropriately towards women. Make sure you’re fully aware of these laws before you travel. Read up on all laws before you travel to ensure that you don't fall foul of authorities.
    • 4. Passport rules. All travellers to Singapore must have at least six months remaining on their passport before entering the country. Make sure your passport meets the necessary requirements before you board your flight.
    • 5. Weather considerations. Singapore experiences hot and humid conditions all year round, with temperatures usually above 30 degrees. Brief downpours of torrential rain are also common, so make sure to pack to suit the conditions.

    How to make a claim on your Singapore travel insurance

    If something goes wrong and you need to make a claim, contact your insurer as soon as possible. They will advise you of the next steps to take and any evidence you may need to supply to support your claim.

    To submit a travel insurance claim you will usually need to:

    1. Notify your insurer
    2. Complete a claim form with full details of the incident that occurred and the loss suffered
    3. Provide any supporting documentation the insurer requests, for example medical reports, receipts or invoices, police reports and proof of ownership.

    FAQs about Singapore travel insurance

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