The thrill of going on holiday often renders most of us guilty of leaving travel insurance at the bottom of our to-do list, upon confirming the holiday plans. However, as Dr. Ian Malcolm in Jurassic Park famously said: ‘Life finds a way’. Unexpected family emergencies can disrupt even the best-laid plans. It's always wise to prioritise travel insurance to ensure a worry-free trip.
Singlife travel insurance offers competitive coverage and worthy consideration among travellers seeking a no-frills, affordable protection option.
In this review, check out how Singlife's coverage can keep your family safe on vacation.
Learn more about our travel insurance rating system.
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1. Singlife travel insurance—what tiers do they offer?
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Total Premium
S$32.83
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$72.9555% Off - S$32.83
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.
Plus, get 55% off with code VACAY55 on Single Trip Singlife Travel Insurance plans.
Singlife travel insurance comes in 3 tiers, applicable for annual multi-trip and single-trip plans:
- Travel Lite: Up to $250,000 of overseas medical expenses
- Travel Plus: Up to $1,000,000 of overseas medical expenses
- Travel Prestige: Unlimited overseas medical expenses
You can buy single-trip insurance for trips of up to 182 days, or an annual, unlimited multi-trip insurance within a year of up to 90 days per trip. If you are planning to cancel your trip but have already made deposit for hotels, airlines, or travel-related services ie. car rentals, you might want to purchase Singlife’s insurance immediately to offset any cancellation fee / penalty that may incur.
2. How does Singlife set their travel insurance prices?
Singlife's insurance packages are primarily determined by your destination. Here's how they categorise their regional zones:
| ASEAN | Asia, Australia, New Zealand | Worldwide |
|
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Any countries outside Singapore except:
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Should your trip include countries from more than one region, choose the wider/further region. For example, if you are travelling to China and then heading to Europe, select Worldwide.
3. How Singlife’s coverages compare to other affordable travel insurers (DirectAsia and FWD)
Whether you're a seasoned traveller or planning your first overseas adventure, it's always good to know the value of travel insurance. Here’s a list of Singlife's comprehensive coverage, and how they are fared to its competitors—DirectAsia and FWD:
| Singlife | DirectAsia | FWD | |
| Price for 7-day trip (ASEAN) | $55–$118 | $37–$58 | $37–$66 |
| Pricefor 7-day trip (Asia) | $68–$149 | $43–$63 | $39–$80 |
| Price for 7-day trip (Global) | $102–$235 | $90–$122 | $72–$136 |
| Overseas Medical Expenses | $250,000–Unlimited | $150,000–$500,000 | $200,000–$1,000,000 |
| Emergency Medical Evacuation | $250,000–Unlimited | $1,500,000 | Unlimited |
| Personal Accident (Death/Total Permanent Disability) | $100,000–$500,000 | $100,000–$500,000 | $200,000–$1,000,000 |
| Trip Cancellation | $5,000–$20,000 | $3,000–$15,000 | $7,500–$15,000 |
| Travel Delay | $500–$2,000 | $1,000–$1,500 | $300–$1,500 |
| Baggage Lost/Damaged | $3,000–$8,000 | $1,000–$5,000 | $3,000 – $7,500 |
| Adventure activities | Yes (Add on) | Yes (Add on) | Yes |
Overseas medical expenses & emergency medical evacuation
When it comes to overseas medical expenses and emergency evacuation coverage, Singlife excels. With its lowest tier Lite plan, it offers $250,000 coverage for both overseas medical expenses and emergency evacuation (shared). This is already higher than the lowest coverage values offered by DirectAsia and FWD.
For its Plus and Prestige plans, Singlife's overseas medical expenses and emergency medical evacuation coverage skyrockets to $1,000,000 and a generous unlimited coverage respectively.
Trip cancellation & delay
Singlife's trip cancellation and delay coverage is generous, especially at higher tiers. With the Prestige plan, you're looking at $20,000 and $2,000 coverage limits respectively for cancellation and delay.
Additionally, Singlife offers a Cancel For Any Reason optional cover. If your trip is cancelled for any reason (subject to certain terms detailed in their policy wording), Singlife offers some of the most generous compensation. With Singlife Prestige, you receive up to $7,500 in compensation and coverage for 60% of all your travel expenses, entertainment, and accommodations.
Baggage loss & damage
Out of the 3 insurers, Singlife offers the largest coverage payout at $3,000 to $8,000 in baggage loss and damage. Here’s how the payout for your valuables will look like should something unfortunate occur:
| Loss, theft or accidental damage to your baggage and personal belongings (not including valuables*) | With Receipts | Without Receipts |
| Mobiles and tablets | [(24 – Age) / 24 months] x purchase price; or Minimum telco trade in value; or $75, whichever is higher | Up to $75 per article or pair or set of articles and up to a maximum of 5 articles or 5 pairs of articles or 5 sets of articles |
| Laptops and other electronic devices | [(36 – Age) / 36 months] x purchase price or $75, whichever is higher | |
| Personal belongings (including luggage bags) | [(60 – Age) / 60 months] x purchase price or $75, whichever is higher | |
| Sports Equipment | Depreciation Scale or $75, whichever is higher |
Source: Singlife policy wording, Section 19
*Note: Valuables such as jewelries and precious metals are not subject to payout claim for the usual plans. Animals are also not covered for, along with golfing, water sports and winter sports equipment (unless you include the additional coverage).
Overall, Singlife offers hefty compensation for trip cancellations, delays, and lost baggage, especially when upgraded to the Plus or Prestige tier.
With the current discounted prices, you can opt for Singlife Travel Plus ($42 on current promotion) in the <$50 price range. It includes COVID-19 coverage, offers an emergency medical evacuation coverage of $1,000,000 (higher than that by Direct Asia), and includes COVID-19 hospitalisation and daily cash allowance for quarantine.
Check out our latest price guide on all travel insurances in Singapore to explore more options.
Heavy rainfall coverage
Currently, Singlife is the only major travel insurance provider in Singapore to offer the Rainfall Protection package for ongoing impact of climate change. Should 50% of your 1-week journey in Southeast Asia be affected by excessive rainfall over 6.4mm a day, you can claim up to $150 per trip!
4. Extreme sports and outdoor adventure coverage
If you're an adventure seeker, double-check your travel insurance plan's coverage for sports and activities. Singlife’s insurance plans do not cover dangerous sports or leisure activities. You’ll have to include the Extreme Sports and Activities add-on to cover any other outdoor adventure and sports you want to participate in. Activities include:
Golf holidays
| Events covered by Singlife |
| Loss of golfing equipment |
| Hiring cost of golfing equipment |
| Food & beverages |
| Damage of buggy |
| Unused field fees |
Overseas wedding & photoshoot
| Events covered by Singlife |
| Loss of ceremonial attire & wedding accessories |
| Loss of marriage certificate |
| Financial failure of licensed Wedding Service Providers |
| Loss of wedding photos |
| Damage caused by invited wedding attendees |
Winter sports
| Winter Sports Activities | Limitations |
| Skiing, Snowboarding, Snow tubing, Snow rafting, Tobogganing, Snow shoeing, Sleigh rides, Sledging, Snow mobiling | On recognised piste and within official areas of a ski resort. |
| Glacier walking | Organised by a licensed operator and accompanied by a qualified guide at all times. |
Source: Singlife policy wording, section 28
Water sports/adventures
| Adventurous Water Sports Activities | Limitations |
| Diving with the use of artificial breathing apparatus | Up to 40 metres (subject to PADI Certification or similar recognised diving qualification)* |
| White and black water rafting | Up to Grade 4 (or the equivalent international grade used by the country you are in) with a qualified instructor/guide only |
| Canoeing/Kayaking | Up to Grade 4 (or the equivalent international grade used by the country you are in) |
| Cave/River Tubing | Must be under supervision of a qualified instructor/guide only |
| Dinghy sailing | No racing and within a 5 mile limit of the coastline or on inland waters |
| Yachting | No racing and within a 12 mile limit of the coastline or on inland waters |
| Jet boating / Kite boating | Passenger only and organised through a licensed operator only |
| Jet skiing | Organised through a licensed operator only |
| Sea walking | Organised through a licensed operator only |
| Sail boarding / Wake boarding / Body boarding / Kite boarding / Paddleboarding | Organised through a licensed operator only |
| Wind surfing / Water Surfing / Flow Riding | Organised through a licensed operator only |
| Water skiing | Organised through a licensed operator only |
| Dragon Boating | Organised through a licensed operator only |
| Deep Sea Fishing | Organised through a licensed operator only |
Source: Singlife policy wording, section 28
Note: If you’re into recreational diving, Singlife limits you to a dive up to a maximum depth of 30 metres under the supervision of a certified diving instructor. Only then will you be eligible for a payout if you get into an accident.
Need to crunch the numbers? Refer to Singlife's travel insurance policy to calculate the cost for add-on per category.
6. What categories are excluded?
Similar to other insurers, Singlife will not cover for events / procedures that are deemed non-life-threatening, caused by our own negligence, or minor inconveniences while travelling. Here’s the list of excluded categories:
| Medical Exclusions | Trip Inconvenience Exclusions |
| Medical expenses for pre-existing conditions | Engaging in sports in compensation |
| Pregnancy-related events (unless filing claim under pregnancy benefit) | Items taken by custom officials |
| Suicide and mental illness | Baggage sent separately or items left unattended |
| Cosmetic or elective surgery (unless necessitated by a physical injury) | Fragile articles |
| Travelling when medically unfit | Inability to travel due to business or contractual obligations |
| Metastatic or terminal illness | Bungee jumping, BASE jumping, potholing, marathons, rock climbing |
Source: Singlife policy wording, section 28
7. Do Singlife offer promotions for travel insurance?
Yes! Singlife has an ongoing promotion where you get 50% off all single trip plans with the code TRAVEL50. A week’s coverage in Asia will now only cost $28 for Singlife Lite, or $4 a day.
On top of that, you get these freebies thrown in with eligible premiums spent:
- $60 GrabGift vouchers
- or 8GB Eskimo eSIM
- or up to $50 Cash via PayNow
- and $30 Revolut cash reward
Promo ends 18 May 2026. T&Cs apply.
Total Premium
S$32.83
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$72.9555% Off - S$32.83
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.
Plus, get 55% off with code VACAY55 on Single Trip Singlife Travel Insurance plans.
If you’re a bit kiasi (afraid you’ll die), you can upgrade to Singlife Plus for $33 to enjoy additional benefits, such as a payout spike for trip cancellation fee from $5,000 to $15,000, along with the full Covid-19 coverage.
Total Premium
S$50.92
- Med. Coverage (Overseas)
- S$1,000,000
- Trip Cancellation
- S$15,000
- Loss/Damage of Baggage
- S$5,000
- Total PremiumTotal Premium
S$113.1555% Off - S$50.92
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.
Plus, get 55% off with code VACAY55 on Single Trip Singlife Travel Insurance plans.
8. Who’s eligible for Singlife travel insurance?
Most Singaporeans from age 16 to 74 can acquire Singlife Travel Insurance, as long as you:
- Hold a valid NRIC or FIN
- Engage in a round-trip journey originating and concluding in Singapore
- Adhere to travel recommendations, not going against the guidance of a qualified medical practitioner / travel advisory from Ministry of Foreign Affairs
- Not undertaken with the purpose of seeking medical treatment
- Insurance acquired prior to your departure from Singapore
9. How to claim for payout under Singlife travel insurance
It only gets more user-friendly from here. Singlife encourages claim submission via their online portal, or follow-up with additional claims through their email.
Should your claims involve reimbursements for upfront expenses (i.e physical medical receipts, purchase receipts…), you need to write down your policy number and submit these original documents via mailing:
Address:
5 Straits View, #01-18/19
Marina One The Heart
Singapore 018935
24/7 hotline:
+65 6827 9933
Then, Singlife will contact you within 2-3 business days to acknowledge the claim. If they need further information, they'll follow up within 30 business days.
After approval, you can expect to receive the payout within 3 business days. It will be directly wired to your registered PayNow account under your NRIC. Otherwise, they will mail you the physical cheque within 14 business days.
10. Final thoughts
In our opinion, Singlife is a solid bet for Singaporeans seeking travel insurance that doesn't break the bank. It offers high coverage for overseas medical expenses and emergency evacuation, plus good coverage for trip cancellations, delays, and baggage issues.
Additionally, it provides protection against COVID-19 and remains the only provider in Singapore to safeguard you from volatile weather conditions. If you're in search of reliable and cost-effective travel insurance, Singlife is definitely worth considering.
About our scale and rating system
- We compiled the prices and coverage limits for 60 travel insurance plans from 22 different providers in Singapore in a massive spreadsheet.
- For each price/coverage category (e.g. trip cancellation, travel delay, etc.), we determined the minimum, median, and maximum values across all travel insurance plans. These values then form scales showing the lowest, highest, and average price/coverage amounts for different travel insurance plans in Singapore.
- Finally, we plotted where each travel insurance plan stands on those scales and assigned a star rating for the provider based on the results.
- To arrive at an overall score reflecting price versus coverage, we take the average of the 5 coverage components, then average that figure with the price. The final score is rounded to the nearest whole number.
| Star rating and description | Example |
| ★☆☆☆☆ 1 star: All plans under that provider perform lower than average, and one plan is the worst performing. If there is only 1 plan, it is the worst performing. |
1 star:
|
| ★★☆☆☆ 2 stars: All plans under that provider perform lower than average, but no plan is the worst performing. If there is only 1 plan, it performs below average. |
2 stars:  |
| ★★★☆☆ 3 stars: At least 1 plan performs average or above average, and the rest are below average. If there is only 1 plan, it performs average. |
3 stars:
|
| ★★★★☆ 4 stars: At least half (e.g. 2 out of 3) of the plans perform average or above average, but not all are above average. If there are only 2 plans, both perform average, or 1 performs average and the other above average. If there is only 1 plan, it performs above average. |
4 stars:
|
| ★★★★★ 5 stars: All plans under that provider perform average or above average. If there is only 1 plan, it is the best performing in Singapore. |
5 stars:
|
| Overall: (Rating for price + Average rating across coverage components) / 2 |
Rating for price: 2 Average rating for coverage: 4 Overall rating: (2+4)/2 = 3 |
Notes:
- The star ratings are flipped for the Price component—for this, the lower the better.
- For all components, we will also award bonus or penalty stars to recognise special features of plans that may be non-quantifiable, as well as the best and poorest performing plans in Singapore:
- Add a bonus star if one of the plans is the best in Singapore.
- Deduct a penalty star if one of the plans is the worst in Singapore.
- For travel delay, most insurers offer $100 for every 6 hours.
- ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($50 for every 3 hours) or larger compensation amount ($200 for every 6 hours)
- DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($100 for every 8 hours) or smaller compensation amount ($50 for every 6 hours)
- For baggage delay, most insurers offer $200 for every 6 hours.
- ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($100 for every 3 hours) or larger compensation amount ($250 for every 6 hours)
- DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($200 for every 8 hours) or smaller compensation amount ($150 for every 6 hours)
Planning on buying travel insurance? Compare the best travel insurance here.
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