Feeding one extra mouth at home is one thing, but travelling with your little human? Whole different ball game.
From missed flights to lost belongings, a lot can go wrong when you’re travelling with kids. But the first mistake you could make? Failing to buy travel insurance that will protect your family against the mishaps that are—let's face it—bound to happen.
Doubling your insurance coverage from just you and your partner to cover a family of 4 might seem like an expensive endeavour, especially since kids seem to be natural magnets for trouble. But here’s the good news: family travel insurance is cheaper than you think.
I’ve scoured dozens of travel insurance policies and compared their premiums, coverage, and other benefits. Here’s my breakdown of the best family travel insurance plans in Singapore that will give you the most bang for your buck.
Guide to family travel insurance in Singapore (2025)
- TL;DR
- What is family travel insurance?
- How much does family travel insurance cost per child?
- Comparison of costs vs coverage for different family travel insurance plans
- Are my parents, siblings and relatives covered in family travel insurance?
- How do different travel insurers define a family?
- What’s the difference between family travel insurance and group travel insurance?
1. TL;DR
The most affordable family travel insurance plans are:
Family travel insurance | Premium (7-day ASEAN trip, 2 adults and 2 kids) | Is COVID-19 coverage included? |
$75.90 – $128.94 (MoneySmart promo: $64.52 – $109.60) | Included | |
$78.62 – $140.12 (MoneySmart promo: $58.97 – $105.09) | Add on $15.46 for COVID-19 coverage | |
$91.50 – $232.50 (MoneySmart promo: $34.77 – $88.35) | Included | |
$96 – $211 (MoneySmart promo: $52.80 – $116.05) | Included | |
$96.60 – $218.50 (MoneySmart promo: $43.47 –$98.32) | Add on $12 – $26 for COVID-19 coverage | |
OCBC | $99 – $225 | Included |
Amex | $100 – $157 | Included |
$109.17 – $230.55 (MoneySmart promo: $76.42 –$161.39) | Included | |
$116.68 – $181.90 (MoneySmart promo: $58.34 – $90.95) | Included |
Total Premium
S$68.17
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$97.3830% Off - S$68.17
[Travel with REWARDS]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 30% off Single Trip plans and 25% off Annual Travel plans with code FWDHOLIDAY. Valid from 29 to 30 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Family travel insurance for niece, nephews, cousins, and more
The family travel insurance plans below allow you to include other family members in their family travel insurance plans; they need not strictly be you, your spouse and your child(ren).
- Amex: Adults need not be related for single trip policies but must be partners for annual multi-trip policies.
- Chubb: Child can be your child or grandchild. Adults need not be related for single trip policies but must be partners for annual multi-trip policies.
- DBS TravellerShield Plus: Child can be you and/or your partner’s child, grandchild, niece, nephew or cousin.
- Great Eastern: Child can be a sibling, grandchild, niece, nephew or cousin.
- OCBC: Child can be a sibling, grandchild, niece, nephew or cousin. Must be related by blood, marriage or legal adoption to at least 1 adult.
- Tiq by Etiqa: Adults can be parents or grandparents of the dependent child(ren).
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Total Premium
S$101.20
- Med. Coverage (Overseas)
- S$500,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total PremiumTotal Premium
S$202.4050% Off - S$101.20
"Grab" your REWARDS:
• Up to S$20 GrabGift vouchers
• OR up to S$10 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
• Enjoy 50% off (Single Trip) and 25% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid from 16 to 30 June 2026. T&Cs apply.
• Plus, stand to receive an exclusive Travel Pass Launch Pack (worth S$75)*! Valid from 19 June to 18 July 2026. T&Cs apply.
- Tokio Marine: The adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults.
- Zurich: The adults need not be related, and can accompany children, unmarried grandchildren, nieces, nephews, or cousins.
2. What is family travel insurance?
Family travel insurance refers to a travel insurance plan that covers you and your family.
Next question: what counts as a family? Unlike the family packages at amusement parks and attractions, family travel insurance doesn’t necessarily cater to only 2 adults and 2 kids.
- Minimally, family travel insurance refers to you and 1 child.
- Maximally, across all the insurers I surveyed, it can cover you, your spouse, and up to 18 children.
The common denominator? There's at least 1 child included in the plan.
Not every travel insurer offers a specific family travel insurance plan that is branded as such. Sometimes it’s marketed to you as a “family cover” (Income Insurance is an example), while some insurers simply ask you how many children you’re travelling with when you’re requesting a quotation.
Whether they throw in the word “family” or not, I think 99% of insurance providers that offer adult travel insurance will also be able to provide you with a travel insurance policy that includes your spouse and child(ren)—I’ve never come across any that are exclusive to adults only. So if you don’t see the word “family” in a travel insurance plan, don’t write it off.
Note: In this article, I compare both travel insurance policies marketed for families as well as travel insurance policies that I just got a “family” (I assumed 2 adults + 2 kids) quotation for.
ALSO READ: Travel Insurance Singapore Guide (2024): Must-Knows for Choosing the Best Travel Insurance
3. How much does family travel insurance cost per child?
This might be the only time in your life that you see these words: the more children you have, the more affordable family travel insurance becomes.
When it comes to family travel insurance, the majority of travel insurers don’t care whether you’re travelling with 1 child or 18—they’ll quote you the same insurance premium as long as you have at least 1 dependent child travelling with you. Some even cover your child(ren) for free! Children aren’t that expensive after all, eh?
Since you pay the same amount no matter how many children you’re travelling with, the cost per child is lower the more children you have.
That said, do take note of overall family limits. These put a cap on the total coverage benefits a family can claim collectively.
4. Comparison of costs vs coverage for different family travel insurance plans
For comparison, I’m assuming a family comprises 2 adults and 2 children for the premiums below. Here’s a summary of the costs and coverage details across various insurance providers in Singapore for a 7-day trip to an ASEAN country.
Family travel insurance | Total cost | Coverage | ||
Overseas medical expenses | Trip cancellation | Loss of personal baggage | ||
AIA | Enquire with an AIA representative | Adult: $200,000 – $2,000,000 | $5,000 – $15,000 | $3,000 – $8,000 |
$117 – $314 (MoneySmart promo: $93.60 – $251.20) | Adult: $100,000 – $2,500,000 | $5,000 – $15,000 | $1,000 – $10,000 | |
$130 – $276 (MoneySmart promo: $55.90 – $118.68) | Adult and child: $200,000 – $1,000,000 | $1,500 – $10,000 | $1,000 – $5,000 | |
Amex | $100 – $157 | Adult: $500,000 – $2,000,000 | $5,000 – $20,000 | $3,500 – $8,000 |
$126.36 (MoneySmart promo: $113.72) | Adult and child: $150,000 | $5,000 | $3,000 | |
Chubb | $165.50 – $377.50 (promo: $132.40 – $302) | Adult: $250,000 – $2,000,000 | $3,000 – $20,000 | $3,500 – $8,000 |
DBS TravellerShield Plus | $186 – $297 (promo: $83.70 – $133.65) | Adult: $300,000 – $1,000,000 | $5,000 – $15,000 (overall limit for Family Plan: $15,000 – $45,000) | $3,000 – $8,000 |
$78.62 – $140.12 (MoneySmart promo: $58.97 – $105.09) | Adult: $200,000 – $1,000,000 | $7,500 – $15,000 (overall limit for family plan: $18,750 – $37,500) | $3,000 – $7,500 | |
$96 – $211 (MoneySmart promo: $52.80 – $116.05) | Adult: $100,000 – $1,000,000 | $2,000 – $15,000 (overall family limit: $5,000 – $40,000) | $2,500 – $8,000 (overall family limit: $5,000 – $16,000) | |
$174.89 – $280.76 (MoneySmart promo: $87.45 – $140.38) | Adult: $250,000 – $1,000,000 | $5,000 – $15,000 (overall family limit: $15,000 – $45,000) | $3,000 – $8,000 (overall family limit: $7,500 – $20,000) | |
$91.50 – $232.50 (MoneySmart promo: $34.77 – $88.35) | Adult: $250,000 – $1,000,000 | $5,000 – $15,000 (overall limit for family plan: $12,000 – $37,500) | $3,000 – $7,500 (overall family limit: $6,000 – $15,000) | |
OCBC | $99 – $225 | Adult: $300,000 – $700,000 | $15,000 – $40,000 (overall limit) | $3,000 – $7,500 for all items |
$109.17 – $230.55 (MoneySmart promo: $76.42 –$161.39) | Adult and child: $250,000 – unlimited | $5,000 – $20,000 | $3,000 – $8,000 | |
$108 – $259 (MoneySmart promo: $48.60 –$116.55) | Adult: $150,000 – $1,000,000 | Overall family limit: $10,000 – $50,000 | $5,000 – $15,000 | |
$168 – $213 (MoneySmart promo: $92.40 –$117.15) | Adult: $200,000 – $400,000 | $5,000 – $10,000 (overall family limit: $15,000 – $30,000) | $1,000 (overall family limit: $2,500) | |
Starr (TraveLead Comprehensive) | $116.68 – $181.90 (MoneySmart promo: $58.34 – $90.95) | Adult: $200,000 – $1,000,000 | $5,000 – $15,000 | $3,000 – $7,500 |
$96.60 – $218.50 (MoneySmart promo: $43.47 –$98.32) | Adult: $200,000 – $1,000,000 | $5,000 – $10,000 | $2,000 – $3,000 | |
Tokio Marine | $189 – $246 | Adult: $300,000 – $500,000 | $5,000 – $10,000 (overall family limit: $10,000 – $20,000) | $5,000 – $7,500 (overall family limit: $10,000 – $15,000) |
$122 – $219 | Adult: $150,000 – $1,000,000 | $3,000 – $15,000 (overall family limit: $7,500 – $37,500) | $1,000 – $7,500 (overall family limit: $2,500 – $20,000) | |
$75.90 – $128.94 (MoneySmart promo: $64.52 – $109.60) | Adult: $100,000 – $500,000 | $2,500 – $7,500 | $2,000 – $5,000 | |
5. Are my parents, siblings and relatives covered by family travel insurance?
Unfortunately, your parents, siblings, cousins, aunties, uncles, and any other relatives are usually excluded from family travel insurance. You’ll know it when you’re keying in information for a family travel insurance quotation on an insurer’s website and see that the number of adults can be either 1 or 2 with no option for higher numbers. Case in point:
Sompo’s family travel insurance quotation limits you to 2 adults
Aside from you and your spouse, other adults will have to purchase their own individual or group travel insurance instead. This can make getting quotations difficult because you’ll essentially need to get 2 quotations if you’re travelling with both your children and your parents.
The easiest way to handle this is to use MoneySmart’s Singapore travel insurance comparison tool for a full quotation for all adult and children travellers in one click.
6. So how do different travel insurers define a family?
It’s important to know who’s covered in a family travel insurance policy because this varies from insurer to insurer. It’s even more important to take note of if your child is between the ages of 18 and 25—these are the ages at which insurers often start counting your offspring as an adult instead of a child.
Generally, to be considered a child in a family travel insurance plan, they should also be unemployed and unmarried. If they’re working and/or married, they’ll be considered as adults.
If you’re travelling with your parents or relatives too, things get even more complicated. Very few travel insurers count parents + child(ren) + grandparents and more as a family unit—see the last column in the table below.
Family travel insurance | Maximum number of children | Age limit for a child | Number of adults covered | Other family members that can be included |
AIA | Not specified | Under 19 years (24 years for full-time students) | 1 – 2 | – |
Not specified | Under 19 years (23 years for full-time students) | 1 – 2 | – | |
18 | Under 18 years (23 years for full-time students) | 1 – 2 | – | |
Amex | 7 | Under 18 years (23 years for full-time students) | 1 – 2 | Adults need not be related for single trip policies but must be partners for annual multi-trip policies. |
12 – 13 (maximum of 14 insured travellers per policy persons) | Under 18 years (24 years for full-time students) | 2 | – | |
Chubb | 4 – 5 (maximum of 6 insured persons) | Under 18 years (23 years for full-time students) | 1 – 2 | Child can be your child or grandchild. Adults need not be related for single trip policies but must be partners for annual multi-trip policies. |
DBS TravellerShield Plus | 5 | Under 18 years (23 years for full-time students) | 1 – 2 | Child can be you and/or your partner’s child, grandchild, niece, nephew or cousin. |
5 | 21 years or younger (25 years for full-time students) | 1 – 2 | – | |
4 | Under 18 years (24 years for full-time students) | 1 – 2 | Child can be a sibling, grandchild, niece, nephew or cousin. | |
18 (as seen on their website when you’re getting a quotation. The policy wording states “any number” of children.) | Under 21 years | 1 – 2 | – | |
5 | Under 18 years (23 years for full-time students) | 2 (If it’s just you and your child(ren), get their Adult & Child(ren) Cover instead.) | – | |
OCBC | 8 | Under 18 years (24 years for full-time students) | 1 – 2 (adults can be married or unmarried) | Child can be a sibling, grandchild, niece, nephew or cousin. Must be related by blood, marriage or legal adoption to at least 1 adult. |
10 | Under 21 years (23 years for full-time students) | 1 – 2 | – | |
4 | Under 18 years (Up to 24 years for full-time students) | 1 – 2 | – | |
5 | Under 21 years (25 years for full-time students) | 1 – 2 | – | |
Starr (TraveLead Comprehensive) | Free child coverage, unspecified maximum number | Under 18 years | 1 – 2 | – |
9 (maximum of 10 persons in total under family plan) | Under 18 years (25 years for full-time students) | 1 – 6 (maximum of 10 persons in total under family plan) | Child must be a legal child or grandchild to an insured adult. Adult can be the parents or grandparents. | |
Tokio Marine | Not specified | Under 21 years (25 years for full-time students) | 1 – 2 | The two adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults. |
No limit | Under 18 years (23 years for full-time students) | 1 – 2 | – | |
No limit | Under 18 years | 1 – 2 (adults need not be related) | Children, unmarried grandchildren, nieces, nephews, or cousins |
7. What’s the difference between family travel insurance and group travel insurance?
Family travel insurance usually includes you, your spouse, and your children who are below 18 (e.g. MSIG, Starr, Bubblegum) or 21 years old (e.g. FWD, Income, Singlife). Some insurers like FWD travel insurance and Tiq by Etiqa extend the child’s age limit to up to 25 years if they’re still studying in an institute of higher learning on the date the policy coverage begins.
Total Premium
S$68.17
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$97.3830% Off - S$68.17
[Travel with REWARDS]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 30% off Single Trip plans and 25% off Annual Travel plans with code FWDHOLIDAY. Valid from 29 to 30 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
Total Premium
S$101.20
- Med. Coverage (Overseas)
- S$500,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total PremiumTotal Premium
S$202.4050% Off - S$101.20
"Grab" your REWARDS:
• Up to S$20 GrabGift vouchers
• OR up to S$10 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
• Enjoy 50% off (Single Trip) and 25% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid from 16 to 30 June 2026. T&Cs apply.
• Plus, stand to receive an exclusive Travel Pass Launch Pack (worth S$75)*! Valid from 19 June to 18 July 2026. T&Cs apply.
Additionally, you and your spouse usually need to be married, and your children should be your biological children, legal stepchildren, or have been legally adopted.
Group travel insurance covers several people travelling together in a group on the same trip. They need not be related. The maximum number of people varies depending on the insurance provider—for example, FWD’s limit is just 7 people, while Income Insurance and Singlife both have a limit of 20. Group travel insurance may or may not cover kids.
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Total Premium
S$141.45
- Med. Coverage (Overseas)
- S$1,000,000
- Trip Cancellation
- S$15,000
- Loss/Damage of Baggage
- S$5,000
- Total PremiumTotal Premium
S$282.9050% Off - S$141.45
Get CASH or REWARDS:
• S$60 GrabGift vouchers
• OR 8GB Eskimo eSIM
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible premiums spent. T&Cs apply.
[Singlife's Online Promos]
• Get 50% off with code TRAVEL50 on Single Trip Singlife Travel Insurance plans.
• Enjoy a FREE 1GB Global eSIM from Singlife with purchase of a Singlife Travel Insurance plan. T&Cs apply.
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