comprehensive

The best comprehensive travel insurance plans for 2025

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A. Fruchard
A. Fruchard
updated on 8 July 2025
Table of Contents
  • The best comprehensive travel insurance plans
  • Comprehensive travel insurance explained
  • The price of comprehensive travel insurance
  • What Does comprehensive Travel Insurance Cover?
  • The conditions of comprehensive travel insurance
  • Why take out comprehensive travel insurance?
  • How to choose the right comprehensive travel insurance
  • comprehensive Travel Insurance and Your Current Policies
  • FAQ
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comprehensive travel insurance: key takeaways

1. Definition: Comprehensive insurance covers major travel risks like medical emergencies, cancellations, and lost baggage for complete peace of mind.
2. Price: For a one-week Europe trip from SG, comprehensive cover typically costs between SGD 80 and SGD 150.
3. Coverage: It covers medical emergencies, repatriation, and cancellations but often excludes pre-existing conditions and high-risk sports without add-ons.
4. Bank cards and health insurances: Bank card insurance is limited, and local plans like MediShield Life do not cover overseas medical costs.
5. Tips: Check medical limits, especially for the USA/Canada, and ensure your planned adventure sports are explicitly covered.
6. Other useful info: Many insurers in SG now offer specific coverage for COVID-19 related disruptions, so check the policy wording.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in Singapore, our experts share here everything you need to know to choose the best comprehensive travel insurance.

The best comprehensive travel insurance plans

Here is a selection of the best comprehensive travel insurance plans available for residents of Singapore in 2025. These policies are recognised for their high medical limits, low deductibles and simple terms, delivering solid protection for various travel needs.

Contract we recommendMedical reimbursementDeductibleAdvantages
HelloTravel PremiumSGD 2,000,000SGD 100• Simple online policy issuance.
• Includes pre-existing condition cover.
• Direct emergency hospital guarantee.
• 24/7 multilingual support.
Cap Assistance 24/24SGD 2,000,000SGD 150• Fast multilingual claims process.
• Covers adventure and sports activities.
• Family rates available.
• Mobile app for easy management.
Tourist CardSGD 500,000SGD 200• Comprehensive baggage coverage.
• Pre-trip cancellation benefit.
• Suitable for frequent short trips.
• Digital claim submission.
World TravelSGD 1,000,000SGD 150• Pandemic and quarantine included.
• Global repatriation cover.
• Immediate assistance hotline.
• Extra protection for flight disruptions.
Globe PartnerSGD 1,000,000SGD 150• Very flexible for long trips.
• Suitable for digital nomads.
• Includes medical evacuation.
• No age-based premium increase.
Globe TravellerSGD 2,000,000SGD 200• Up to 12 months continuous travel.
• Worldwide annual cover.
• Group and family discounts.
• No trip destination restriction.
Comparison of recommended travel insurance contracts.
HelloTravel Premium
Medical reimbursement
SGD 2,000,000
Deductible
SGD 100
Advantages
• Simple online policy issuance.
• Includes pre-existing condition cover.
• Direct emergency hospital guarantee.
• 24/7 multilingual support.
Cap Assistance 24/24
Medical reimbursement
SGD 2,000,000
Deductible
SGD 150
Advantages
• Fast multilingual claims process.
• Covers adventure and sports activities.
• Family rates available.
• Mobile app for easy management.
Tourist Card
Medical reimbursement
SGD 500,000
Deductible
SGD 200
Advantages
• Comprehensive baggage coverage.
• Pre-trip cancellation benefit.
• Suitable for frequent short trips.
• Digital claim submission.
World Travel
Medical reimbursement
SGD 1,000,000
Deductible
SGD 150
Advantages
• Pandemic and quarantine included.
• Global repatriation cover.
• Immediate assistance hotline.
• Extra protection for flight disruptions.
Globe Partner
Medical reimbursement
SGD 1,000,000
Deductible
SGD 150
Advantages
• Very flexible for long trips.
• Suitable for digital nomads.
• Includes medical evacuation.
• No age-based premium increase.
Globe Traveller
Medical reimbursement
SGD 2,000,000
Deductible
SGD 200
Advantages
• Up to 12 months continuous travel.
• Worldwide annual cover.
• Group and family discounts.
• No trip destination restriction.
Comparison of recommended travel insurance contracts.

The best comprehensive travel insurance will depend on your specific needs. Use HelloSafe’s travel insurance comparison tool to find the plan that suits you best and subscribe directly online.

Compare the best travel insurance for freeI compare

Comprehensive travel insurance explained

Comprehensive travel insurance is a multi-risk policy that covers a wide range of incidents that may occur before or during a trip.
It typically includes cover for medical expenses abroad, trip cancellation or interruption, lost or delayed baggage, personal liability, and 24/7 assistance.
This type of insurance is designed to offer broad protection in a single contract, regardless of destination or length of stay.
Comprehensive insurance is sometimes confused with basic or short-stay coverage, but it combines more guarantees with higher limits and added features.

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Expert advice

Here are the situations where taking out comprehensive travel insurance is especially recommended if you live in Singapore:
- When travelling to countries with high medical costs like the USA.
- For expensive trips with non-refundable bookings for flights or accommodation.
- If you have any pre-existing medical conditions, regardless of severity.
- When participating in adventure sports like skiing, diving, or hiking.
- If you are travelling with children or elderly family members.
- For trips where your local health insurance from Singapore is invalid.
- When carrying valuable personal items like laptops or professional camera gear.

The price of comprehensive travel insurance

On average, comprehensive travel insurance costs between 3% and 6% of the total price of your trip.

TripTrip costIndicative price per person
5 days in France$1,500$45 to $90
2 weeks in Japan$4,000$120 to $240
3 weeks road trip in the US$8,500$250 to $510
1 month backpacking in Australia$5,200$155 to $310
5 days in France
Trip cost
$1,500
Indicative price per person
$45 to $90
2 weeks in Japan
Trip cost
$4,000
Indicative price per person
$120 to $240
3 weeks road trip in the US
Trip cost
$8,500
Indicative price per person
$250 to $510
1 month backpacking in Australia
Trip cost
$5,200
Indicative price per person
$155 to $310

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your comprehensive travel insurance depends on several factors:

  • trip duration: prices increase with longer trips.
  • destination: countries with high healthcare costs, such as the US, require higher coverage.
  • traveller’s age: older travellers tend to pay higher prices.
  • coverage level: plans with higher limits, more benefits, and fewer exclusions cost more.
  • selected options: adding coverage for risky sports, valuables, or trip cancellation increases premiums.
Compare the best travel insurance for freeI compare

What Does comprehensive Travel Insurance Cover?

Comprehensive travel insurance is designed to provide broad protection throughout your journey before departure, during transportation, and while abroad. It safeguards travelers against numerous risks, offering higher coverage limits and additional guarantees compared to basic insurance.

Covered guaranteeDefinitionExpert advice
✈️ Trip cancellationRefunds prepaid trip costs if cancelled for a covered reason before departure.We recommend a minimum cover of $5,000 and a maximum deductible of $50.
Pre-existing illness, change of mind, and visa refusal are usually excluded.
🚗 Missed departureCovers extra transport if you miss your flight, boat, or train for reasons beyond control.At least $350 in coverage, no deductible preferred.
Not covered if you are late or fault is not proven by documents.
🎒 Baggage loss or theftPays compensation if your checked luggage is lost, stolen, or damaged during the trip.Minimum $2,000 coverage and deductible not exceeding $50.
Unattended bags and valuables over set limits are usually excluded.
🕒 Travel delayFixed compensation for long travel delays (flight, train, bus).Look for $200+ per 6 hours of delay. No deductible is ideal.
Short delays and lack of official proof are commonly excluded.
🏥 Medical expenses abroadKey guarantee. Pays for urgent medical care if ill or injured during your trip.Minimum $500,000 is strongly advised, with deductible under $100.
Pre-existing and routine care, elective treatments are usually excluded.
🚑 Medical evacuationKey guarantee. Pays for emergency evacuation to Singapore or nearest suitable care.Coverage should be at least $500,000 and unlimited is preferable.
Claims not covered if evacuation is unnecessary or self-initiated.
🦷 Emergency dental carePays for urgent dental treatment abroad.At least $300 and maximum deductible of $30 is recommended.
Cosmetic and planned dental care is always excluded.
🪪 Personal liability abroadPays for injury or damage you cause to others during the trip.Go for coverage of at least $500,000 with deductible below $100.
Damage to close family or rented items is excluded.
🧳 Luggage delayReimbursement for essential purchases if your main bag is delayed.Minimum $250 after 24 hours. Deductibles are rare.
Return trip delays and lack of receipts are not covered.
⚖️ Legal assistance abroadPays for legal defense or bail if needed during travel.Choose at least $5,000 in legal costs and $10,000 for bail.
Incidents related to alcohol or criminal acts are usually not covered.
✈️ Trip cancellation
Definition
Refunds prepaid trip costs if cancelled for a covered reason before departure.
Expert advice
We recommend a minimum cover of $5,000 and a maximum deductible of $50.
Pre-existing illness, change of mind, and visa refusal are usually excluded.
🚗 Missed departure
Definition
Covers extra transport if you miss your flight, boat, or train for reasons beyond control.
Expert advice
At least $350 in coverage, no deductible preferred.
Not covered if you are late or fault is not proven by documents.
🎒 Baggage loss or theft
Definition
Pays compensation if your checked luggage is lost, stolen, or damaged during the trip.
Expert advice
Minimum $2,000 coverage and deductible not exceeding $50.
Unattended bags and valuables over set limits are usually excluded.
🕒 Travel delay
Definition
Fixed compensation for long travel delays (flight, train, bus).
Expert advice
Look for $200+ per 6 hours of delay. No deductible is ideal.
Short delays and lack of official proof are commonly excluded.
🏥 Medical expenses abroad
Definition
Key guarantee. Pays for urgent medical care if ill or injured during your trip.
Expert advice
Minimum $500,000 is strongly advised, with deductible under $100.
Pre-existing and routine care, elective treatments are usually excluded.
🚑 Medical evacuation
Definition
Key guarantee. Pays for emergency evacuation to Singapore or nearest suitable care.
Expert advice
Coverage should be at least $500,000 and unlimited is preferable.
Claims not covered if evacuation is unnecessary or self-initiated.
🦷 Emergency dental care
Definition
Pays for urgent dental treatment abroad.
Expert advice
At least $300 and maximum deductible of $30 is recommended.
Cosmetic and planned dental care is always excluded.
🪪 Personal liability abroad
Definition
Pays for injury or damage you cause to others during the trip.
Expert advice
Go for coverage of at least $500,000 with deductible below $100.
Damage to close family or rented items is excluded.
🧳 Luggage delay
Definition
Reimbursement for essential purchases if your main bag is delayed.
Expert advice
Minimum $250 after 24 hours. Deductibles are rare.
Return trip delays and lack of receipts are not covered.
⚖️ Legal assistance abroad
Definition
Pays for legal defense or bail if needed during travel.
Expert advice
Choose at least $5,000 in legal costs and $10,000 for bail.
Incidents related to alcohol or criminal acts are usually not covered.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To find the comprehensive travel insurance best suited to your profile and your trip, easily compare offers on HelloSafe.

The conditions of comprehensive travel insurance

To activate your comprehensive travel insurance and ensure full benefits, certain requirements and rules must be satisfied.

  • Timing of purchase: you must buy the policy before leaving Singapore, ideally within 24 to 48 hours after booking.
  • Residency: you must be a resident of Singapore to purchase a local comprehensive policy.
  • Trip duration limit: you must not exceed the policy’s maximum trip length, often 90 or 180 days per trip for single-trip plans.
  • Trip purpose: personal or business trips are usually accepted, while permanent relocation or long-term study abroad may not be covered.
  • No travel already started: you cannot take out the insurance after your trip begins.
  • Incident notification: you must inform the insurer promptly after any incident, usually within 48 hours for claims like loss, theft, or medical emergencies.
  • Submission of documents: you must provide original receipts, medical reports, or police reports to support any claim.
  • Destination restrictions: there is no cover if you travel to countries under official government travel advisories or sanctions at the time of your trip.
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Watch out!

A common mistake is buying insurance just before flying. To benefit from trip cancellation coverage—a key feature of comprehensive plans—you must purchase your policy soon after booking your trip. Waiting means you're unprotected if you need to cancel your plans before departure.

Why take out comprehensive travel insurance?

While travelling, even a minor health issue can quickly lead to high expenses, especially outside Singapore. The financial risk of medical care abroad can be very significant when you do not have insurance.
Here are some examples of healthcare costs abroad:

Type of treatmentAverage costCovered by insurance
Foot sprain (X-ray and consultation)
  • Europe: $800
  • North America: $2,500
  • Asia: $400
Typically up to $500,000
Stitches after a fall
  • Europe: $1,200
  • North America: $3,000
  • Asia: $600
Typically up to $500,000
Appendicitis surgery and hospitalization
  • Europe: $25,000
  • North America: $60,000
  • Asia: $15,000
Typically up to $2,000,000
Emergency tooth extraction
  • Europe: $1,000
  • North America: $2,200
  • Asia: $500
Partial, often with annual limit
Medical repatriation
  • Europe: $50,000
  • North America: $80,000
  • Asia: $30,000
Often 100% if needed and urgent
Comparison of average medical treatment costs by region and typical insurance coverage.
Foot sprain (X-ray and consultation)
Average cost
  • Europe: $800
  • North America: $2,500
  • Asia: $400
Covered by insurance
Typically up to $500,000
Stitches after a fall
Average cost
  • Europe: $1,200
  • North America: $3,000
  • Asia: $600
Covered by insurance
Typically up to $500,000
Appendicitis surgery and hospitalization
Average cost
  • Europe: $25,000
  • North America: $60,000
  • Asia: $15,000
Covered by insurance
Typically up to $2,000,000
Emergency tooth extraction
Average cost
  • Europe: $1,000
  • North America: $2,200
  • Asia: $500
Covered by insurance
Partial, often with annual limit
Medical repatriation
Average cost
  • Europe: $50,000
  • North America: $80,000
  • Asia: $30,000
Covered by insurance
Often 100% if needed and urgent
Comparison of average medical treatment costs by region and typical insurance coverage.

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

In addition to medical expenses, comprehensive travel insurance usually covers many other risks: trip cancellation, travel delay, lost or stolen luggage, personal liability, emergency repatriation and 24/7 assistance. These guarantees ensure you are protected from the main financial and practical risks encountered while travelling.

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Good to know

Don't let a medical emergency ruin your trip and savings. With upfront payment for hospitalisation, a comprehensive plan from providers like Mondialcare ensures you get treated without paying first. It’s essential protection your local or credit card insurance simply doesn't offer.

How to choose the right comprehensive travel insurance

Coverage, limits and reimbursement for comprehensive travel insurance vary greatly from plan to plan.
Understanding which features really matter helps you focus on policies that best suit your travel needs from Singapore, especially for healthcare protection.

CriterionWhy it mattersExpert tip
💶 Reimbursement limitsLower limits may not be enough for costly healthcare or major issues abroad.Always secure at least $500,000 cover for medical claims outside Singapore.
📉 DeductibleThe out-of-pocket amount impacts real coverage and unexpected expenses.Choose plans with deductibles under $200 for medical and evacuation benefits.
📋 Policy conditionsInsurers set timeframes and conditions for claims and benefit eligibility.Review the fine print for required notice periods and documentation before purchase.
👵 Traveller’s ageHigher age may limit options or raise premiums due to increased health risks.Check for no upper age limit policies or those that accept seniors without exclusions.
👨‍👩‍👧 Traveller profileNeeds differ for solo travelers, families, the elderly, and business travelers.Pick a family plan if traveling with dependents for bundle savings and complete coverage.
📆 Trip durationSome policies restrict the total days or number of trips per year.Confirm your plan covers the full destination and duration you require for your travel.
🌍 Geographic areaCoverage is often limited by region, affecting claims for some destinations.Ensure destinations like USA or Canada are included if you plan to travel there.
🛡️ Existing coverageYou may already have some protection via bank cards or employer benefits.Check your bank and home insurance before buying to avoid paying twice for the same risk.
🧗 Activities coveredHazardous or adventure activities may be excluded or require add-ons.Disclose any high-risk activities up front so you are not left uncovered on your trip.
Key criteria for choosing travel insurance, including why each matters and expert tips.
💶 Reimbursement limits
Why it matters
Lower limits may not be enough for costly healthcare or major issues abroad.
Expert tip
Always secure at least $500,000 cover for medical claims outside Singapore.
📉 Deductible
Why it matters
The out-of-pocket amount impacts real coverage and unexpected expenses.
Expert tip
Choose plans with deductibles under $200 for medical and evacuation benefits.
📋 Policy conditions
Why it matters
Insurers set timeframes and conditions for claims and benefit eligibility.
Expert tip
Review the fine print for required notice periods and documentation before purchase.
👵 Traveller’s age
Why it matters
Higher age may limit options or raise premiums due to increased health risks.
Expert tip
Check for no upper age limit policies or those that accept seniors without exclusions.
👨‍👩‍👧 Traveller profile
Why it matters
Needs differ for solo travelers, families, the elderly, and business travelers.
Expert tip
Pick a family plan if traveling with dependents for bundle savings and complete coverage.
📆 Trip duration
Why it matters
Some policies restrict the total days or number of trips per year.
Expert tip
Confirm your plan covers the full destination and duration you require for your travel.
🌍 Geographic area
Why it matters
Coverage is often limited by region, affecting claims for some destinations.
Expert tip
Ensure destinations like USA or Canada are included if you plan to travel there.
🛡️ Existing coverage
Why it matters
You may already have some protection via bank cards or employer benefits.
Expert tip
Check your bank and home insurance before buying to avoid paying twice for the same risk.
🧗 Activities covered
Why it matters
Hazardous or adventure activities may be excluded or require add-ons.
Expert tip
Disclose any high-risk activities up front so you are not left uncovered on your trip.
Key criteria for choosing travel insurance, including why each matters and expert tips.
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comprehensive Travel Insurance and Your Current Policies

It is legitimate to wonder if your current insurances, such as credit card insurance or the public health system, can provide you with comprehensive travel insurance. Unfortunately, it is often not enough. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceComprehensive travel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (Medisave or MediShield Life)NeverCovers local hospitalization only. No overseas cover.
Does not cover overseas medical costs, evacuation, delays, loss, liability, theft, or cancellation.
Travel insurance covers up to $2,000,000 for overseas emergencies, evacuation, cancellations, and lost luggage, all not covered here.
Private health insurance (Great Eastern, AIA Singapore)Almost NeverEmergency overseas medical costs: up to $100,000. Rarely includes evacuation.
No cover for trip cancellation, lost baggage, travel delays, or personal liability.
Travel insurance gives up to $2,000,000 medical, includes baggage, delays, liability, and cancellation—core guarantees missing above.
Classic credit card (DBS Classic, OCBC Titanium)Almost NeverBasic medical emergencies: up to $30,000-$50,000 for short trips.
No evacuation, low limits, excludes trip cancellation, delays, sports, and pre-existing conditions.
Travel insurance provides up to $2,000,000, trip delays, sports injuries, rental car excess, and 24/7 assistance, all missing from credit cards.
Premium credit card (DBS Treasures, Citibank Prestige)Limited CoverageCovers emergency medical (up to $150,000), some baggage/delay, not all activities.
No rental car excess, limited cancellation, sports/adventures, or full evacuation.
Travel insurance offers up to $2,000,000, rental car excess, full trip protection, adventure sports, and broad cancellation coverage.
Public health insurance (Medisave or MediShield Life)
Comprehensive travel insurance included?
Never
What it covers
Covers local hospitalization only. No overseas cover.
Does not cover overseas medical costs, evacuation, delays, loss, liability, theft, or cancellation.
Why Travel Insurance is better
Travel insurance covers up to $2,000,000 for overseas emergencies, evacuation, cancellations, and lost luggage, all not covered here.
Private health insurance (Great Eastern, AIA Singapore)
Comprehensive travel insurance included?
Almost Never
What it covers
Emergency overseas medical costs: up to $100,000. Rarely includes evacuation.
No cover for trip cancellation, lost baggage, travel delays, or personal liability.
Why Travel Insurance is better
Travel insurance gives up to $2,000,000 medical, includes baggage, delays, liability, and cancellation—core guarantees missing above.
Classic credit card (DBS Classic, OCBC Titanium)
Comprehensive travel insurance included?
Almost Never
What it covers
Basic medical emergencies: up to $30,000-$50,000 for short trips.
No evacuation, low limits, excludes trip cancellation, delays, sports, and pre-existing conditions.
Why Travel Insurance is better
Travel insurance provides up to $2,000,000, trip delays, sports injuries, rental car excess, and 24/7 assistance, all missing from credit cards.
Premium credit card (DBS Treasures, Citibank Prestige)
Comprehensive travel insurance included?
Limited Coverage
What it covers
Covers emergency medical (up to $150,000), some baggage/delay, not all activities.
No rental car excess, limited cancellation, sports/adventures, or full evacuation.
Why Travel Insurance is better
Travel insurance offers up to $2,000,000, rental car excess, full trip protection, adventure sports, and broad cancellation coverage.
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Expert advice

Bank card and health insurance often exclude key events like trip interruption due to a relative’s illness. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance policy tailored to your trip.

FAQ

Is comprehensive travel insurance mandatory?

Comprehensive travel insurance is mandatory for some destinations, such as when applying for a Schengen visa, which requires a minimum level of coverage. In most cases, it is not legally required, but it is strongly recommended. For example, a medical emergency in the USA can cost tens of thousands of dollars without adequate insurance.

When is it recommended to purchase comprehensive travel insurance?

It is best to purchase comprehensive travel insurance as soon as you make your first payment or booking for your trip. This approach ensures that cancellation coverage takes effect immediately, so you are protected if unexpected changes occur before departure. It also provides peace of mind if trip costs increase later.

How do I purchase comprehensive travel insurance?

To buy comprehensive travel insurance, start by comparing options using HelloSafe’s comparison platform for Singapore residents. Check the policy’s guarantees and exclusions, ensuring it fits your needs. Purchase your policy easily online and receive your insurance certificate in your email for visa or travel documentation.

Can I purchase comprehensive travel insurance after booking my trip?

Yes, you can purchase comprehensive travel insurance after booking your trip, but it is recommended to do so as early as possible. Buying early maximises your benefits, especially cancellation cover, which is valid only for events happening after the policy starts. Waiting may exclude certain coverages for pre-existing events.

How do I make a claim with comprehensive travel insurance?

In case of a claim, inform the insurer as soon as possible and collect all supporting documents, such as medical reports or receipts. Use the insurer’s online portal or mobile app, or contact their emergency hotline for assistance. Comprehensive providers in Singapore often settle claims efficiently, especially with complete documentation.

Are pre-existing medical conditions covered by comprehensive travel insurance?

Some comprehensive travel insurance policies offer coverage for pre-existing medical conditions, but usually only for stable, declared conditions and sometimes with additional premiums. Always declare any conditions at application and review the terms carefully, as exclusions or limitations may apply depending on the insurer and policy.

Does comprehensive travel insurance cover COVID-19 related issues?

Most modern comprehensive policies now include some COVID-19 coverage, such as medical expenses due to infection abroad and trip cancellation if you or a companion contract COVID-19 before departure. Always check the specifics of pandemic coverage in your chosen plan to ensure adequate protection for your journey.

Is comprehensive travel insurance mandatory?

Comprehensive travel insurance is mandatory for some destinations, such as when applying for a Schengen visa, which requires a minimum level of coverage. In most cases, it is not legally required, but it is strongly recommended. For example, a medical emergency in the USA can cost tens of thousands of dollars without adequate insurance.

When is it recommended to purchase comprehensive travel insurance?

It is best to purchase comprehensive travel insurance as soon as you make your first payment or booking for your trip. This approach ensures that cancellation coverage takes effect immediately, so you are protected if unexpected changes occur before departure. It also provides peace of mind if trip costs increase later.

How do I purchase comprehensive travel insurance?

To buy comprehensive travel insurance, start by comparing options using HelloSafe’s comparison platform for Singapore residents. Check the policy’s guarantees and exclusions, ensuring it fits your needs. Purchase your policy easily online and receive your insurance certificate in your email for visa or travel documentation.

Can I purchase comprehensive travel insurance after booking my trip?

Yes, you can purchase comprehensive travel insurance after booking your trip, but it is recommended to do so as early as possible. Buying early maximises your benefits, especially cancellation cover, which is valid only for events happening after the policy starts. Waiting may exclude certain coverages for pre-existing events.

How do I make a claim with comprehensive travel insurance?

In case of a claim, inform the insurer as soon as possible and collect all supporting documents, such as medical reports or receipts. Use the insurer’s online portal or mobile app, or contact their emergency hotline for assistance. Comprehensive providers in Singapore often settle claims efficiently, especially with complete documentation.

Are pre-existing medical conditions covered by comprehensive travel insurance?

Some comprehensive travel insurance policies offer coverage for pre-existing medical conditions, but usually only for stable, declared conditions and sometimes with additional premiums. Always declare any conditions at application and review the terms carefully, as exclusions or limitations may apply depending on the insurer and policy.

Does comprehensive travel insurance cover COVID-19 related issues?

Most modern comprehensive policies now include some COVID-19 coverage, such as medical expenses due to infection abroad and trip cancellation if you or a companion contract COVID-19 before departure. Always check the specifics of pandemic coverage in your chosen plan to ensure adequate protection for your journey.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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