- The best single Trip travel insurance plans
- What is single Trip travel insurance?
- The price of single Trip travel insurance
- single Trip travel insurance coverage
- What are the conditions of single Trip travel insurance?
- Why take out single Trip travel insurance?
- How can I choose the right single Trip travel insurance?
- Does my existing insurance cover single Trip travel insurance?
- FAQ
single Trip travel insurance: key takeaways
1. Definition: Single trip insurance covers one specific journey, protecting you from departure until your return to Singapore.
2. Price: A one-week trip to Europe can cost between SGD 40 and SGD 80 for comprehensive coverage.
3. Coverage: It typically covers medical emergencies and trip cancellations but often excludes pre-existing conditions and high-risk activities.
4. Bank cards and health insurances: Credit cards and MediShield Life offer limited overseas coverage, often with low caps and many exclusions.
5. Tips: Check medical limits for costly destinations like the USA and declare all pre-existing conditions before purchasing.
6. Other useful info: Verify your policy includes COVID-19 coverage and is not voided by MFA travel advisories.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analysing 42 travel insurance policies available in Singapore, our experts share here everything you need to know to choose the best single-trip travel insurance.
The best single Trip travel insurance plans
Here is a selection of the best single Trip travel insurance plans available for residents of Singapore in 2025. These policies stand out for their high medical reimbursement limits, low deductibles, and simple conditions, making them excellent options for worry-free travel.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | $300,000 | $100 |
|
| Cap Assistance 24/24 | $300,000 | $100 |
|
| Tourist Card | $200,000 | $150 |
|
| World Travel | $300,000 | $200 |
|
| Globe Partner | $100,000 | $100 |
|
| Globe Traveller | $200,000 | $100 |
|
- High limits for all destinations.
- No age-based premium increases.
- Fast digital claim system.
- Adventure sports included.
- 24/7 medical hotline.
- Mobile app for claim and documents.
- Direct billing.
- Psychological assistance included.
- Family discounts.
- Includes baggage protection.
- Telemedicine services.
- Quick claims processing.
- Evacuation and repatriation cover.
- Concierge assistance.
- Covers pre-existing conditions.
- Political evacuation included.
- Student-friendly rates.
- Group coverage available.
- Simple application process.
- Proven essential benefits.
- Covers longer journeys.
- Multilingual assistance.
- Premiums stable after age 60.
- No residency restriction.
The best single Trip travel insurance may differ based on your situation. Use HelloSafe’s travel insurance comparison tool to find the best plan and subscribe directly online.
What is single Trip travel insurance?
Single Trip travel insurance is a policy that provides coverage for one specific journey, from your departure until your return to Singapore.
It is designed to protect travelers against medical emergencies, trip cancellations, baggage loss, and personal liability during a single trip.
Single Trip insurance is ideal for those who travel occasionally, offering cover tailored to the exact dates and destination of a planned journey.
It is sometimes confused with annual multi-trip plans, but covers only one defined trip rather than multiple trips throughout the year.
Expert advice
Here are the situations where taking out single trip travel insurance is especially important if you live in Singapore:
- For infrequent trips, once or twice a year from Singapore.
- When visiting countries with high healthcare costs like the USA.
- For a single, extended holiday or a long-term stay abroad.
- If your trip has significant, non-refundable pre-paid costs.
- When you need specific coverage for activities like adventure sports.
- If you have a pre-existing medical condition needing specific coverage.
- For destinations like the Schengen Area that mandate travel insurance.
The price of single Trip travel insurance
On average, single Trip travel insurance costs between 3% and 7% of your total trip price.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 5 days in Bali | $700 | $18 to $35 |
| 2 weeks in Japan | $2,400 | $65 to $130 |
| 3 weeks across Australia | $4,100 | $100 to $200 |
| 10 days in the United Kingdom | $3,200 | $80 to $150 |
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 single Trip travel insurance depends on several factors:
- trip duration: longer trips mean higher premiums.
- destination: trips to countries with costly healthcare like the US or Japan increase the price.
- traveller’s age: older travellers generally pay more.
- level of coverage: selecting premium benefits or high medical limits raises your insurance cost.
- optional extras: adventure sports, pre-existing medical cover, and non-refundable bookings will increase your premium.
single Trip travel insurance coverage
Single Trip travel insurance is a policy designed to provide coverage for one specific journey, from your departure to return to Singapore.
It is ideal for occasional travelers wanting protection for a set travel period and destination.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| ✈️ Trip cancellation | Refund of prepaid costs if you cancel for a covered reason before departure. | A minimum cover of $5,000 is advised, with deductibles under $50. Change of mind, existing illness and government bans are usually excluded. |
| 🛫 Missed departure | Pays for new arrangements if you miss your initial transport due to a covered event. | Aim for at least $300 coverage and no deductible. Personal lateness and lack of official proof are generally excluded. |
| 🎒 Baggage loss or theft | Compensation for lost, stolen, or damaged baggage. | Choose at least $2,000 cover, with deductible under $50. Unattended belongings and cash are often not covered. |
| 🕒 Travel delay | Fixed sum for delays over a set number of hours. | Look for $100 per 6-hour delay and minimal deductible. Shorter delays and pre-known strikes are not covered. |
| 🏥 Medical expenses abroad | Key guarantee. Pays for necessary medical care if you fall ill or are injured overseas. | At least $100,000 coverage is recommended, deductible under $100. Chronic illness, elective treatment and pregnancy are frequently excluded. |
| 🚑 Emergency evacuation | Key guarantee. Covers medical repatriation or emergency transport. | This should be at least $150,000 with no or low deductible. Non-urgent or planned travel is usually excluded. |
| 🦷 Emergency dental care | Covers urgent dental treatment during the trip. | Minimum $500 cover is recommended, deductible under $30. Routine and cosmetic treatments are not insured. |
| 🪪 Personal liability | Pays for injury or damage accidentally caused to others abroad. | $100,000 minimum cover advised, deductible below $100. Damage to relatives or professional activities is excluded. |
| 💸 Emergency assistance | 24/7 hotline, cash advances or support in a crisis. | Seek at least $1,000 of assistance services, usually with no deductible. Non-emergencies or unapproved claims are excluded. |
| 💔 Trip interruption | Refund for unused travel costs if you must curtail your journey. | At least $2,000 coverage is a good starting point. Voluntary early returns and minor setbacks are generally excluded. |
Change of mind, existing illness and government bans are usually excluded.
Personal lateness and lack of official proof are generally excluded.
Unattended belongings and cash are often not covered.
Shorter delays and pre-known strikes are not covered.
Chronic illness, elective treatment and pregnancy are frequently excluded.
Non-urgent or planned travel is usually excluded.
Routine and cosmetic treatments are not insured.
Damage to relatives or professional activities is excluded.
Non-emergencies or unapproved claims are excluded.
Voluntary early returns and minor setbacks are generally excluded.
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 single Trip travel insurance best suited to your profile and your journey, easily compare offers on HelloSafe.
What are the conditions of single Trip travel insurance?
To benefit from your single Trip travel insurance, several application conditions must be respected from the beginning until the end of your journey.
- Timing of subscription: you must take out the policy before departing Singapore, never after leaving.
- Residency requirement: you must be a Singapore resident or citizen when buying the cover.
- Declared travel dates: your trip dates must exactly match the policy’s start and end dates for coverage to apply.
- Trip duration limit: coverage is only valid up to the maximum trip length stated in your policy, typically 30 to 90 days.
- No ongoing travel: you cannot purchase the insurance while you are already abroad.
- Destination restrictions: your trip must not include countries under Singapore Ministry of Foreign Affairs' "Do Not Travel" advisory.
- Incident notification: you must notify your insurer promptly if an accident, illness, loss, or delay occurs during your trip.
- Supporting documentation: you must keep original receipts, boarding passes, and medical reports for any claim you intend to submit.
Watch out!
A common mistake is buying single trip insurance just before flying. To be covered for trip cancellation due to unforeseen events like sickness, you must purchase your policy right after booking your trip. Last-minute purchases mean you aren't covered for any pre-trip incidents.
Why take out single Trip travel insurance?
Unexpected incidents can happen at any time when travelling, leading to high medical expenses or emergencies far from home.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to $2,000,000 SGD depending on the plan |
| Medical repatriation |
| Often up to $1,000,000 SGD for urgent evacuation |
| Appendicitis surgery and hospitalization |
| Up to $2,000,000 SGD depending on the plan |
| Stitches after a fall |
| Up to $2,000,000 SGD depending on the plan |
| Consultation and treatment for infection |
| Up to $2,000,000 SGD depending on the plan |
- Europe: $400
- $600 SGD
- North America: $800
- $1,200 SGD
- Asia: $150
- $300 SGD
- Europe: $15,000
- $30,000 SGD
- North America: $25,000
- $50,000 SGD
- Asia: $8,000
- $20,000 SGD
- Europe: $8,000
- $15,000 SGD
- North America: $20,000
- $40,000 SGD
- Asia: $3,000
- $8,000 SGD
- Europe: $300
- $500 SGD
- North America: $600
- $1,000 SGD
- Asia: $100
- $250 SGD
- Europe: $200
- $400 SGD
- North America: $500
- $800 SGD
- Asia: $80
- $200 SGD
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.
Besides medical expenses, single Trip travel insurance can include trip cancellation, lost or delayed baggage, personal liability, repatriation assistance, and even teleconsultation or emergency fund advances, which provide security for all kinds of unexpected events.
Good to know
For your one-off holiday, get tailored protection. A medical emergency or lost baggage can quickly turn your dream trip into a financial nightmare. A single trip policy is essential to avoid huge, unexpected costs. With 24/7 support from insurers like Chapka, you can travel with confidence.
How can I choose the right single Trip travel insurance?
Not all single Trip travel insurance plans are created equal. Coverage features like reimbursement ceilings, deductibles, and specific conditions vary across providers. Carefully comparing key criteria will help you identify a policy that truly fits your travel needs from Singapore.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💰 Reimbursement limits | Determines the maximum payout for claims such as medical care or losses. | Select high enough limits to meet medical entry requirements and expected costs in your destination country. |
| 💸 Deductible | This is your out-of-pocket cost before insurance pays out. | Opt for plans with reasonable deductibles to balance premium with potential out-of-pocket expenses during a claim. |
| 📋 Policy conditions | Coverage may exclude certain causes or require purchase shortly after booking. | Read policy wording and exclusions carefully and secure cover within days of booking for full cancellation benefits. |
| 👵 Traveller’s age | Pricing and coverage may vary for seniors or children. | Check for any age restrictions and ensure senior travelers are not subject to exclusions or higher premiums. |
| 👨👩👧 Traveller profile | Needs differ for families, solo travelers, or business trips. | Choose a plan matched to your profile especially if traveling as a family or on business with special requirements. |
| 📆 Trip duration | Policies are valid only for the stated period. | Ensure coverage exactly matches your trip dates to avoid uninsured gaps or overpaying for unused days. |
| 🌍 Geographic area | Benefits and costs depend on the destination. | Verify if your insurer covers all planned countries especially for multi-country or Schengen single Trips. |
| 🛡️ Existing coverage | Credit card or health policies may not provide comprehensive protection. | Double-check any included protection and fill gaps for medical, cancellation, or baggage needs if required. |
| 🧗 Planned activities | Certain sports or adventure activities may be excluded from standard cover. | Declare risky activities like diving or trekking to avoid claims being denied for those parts of your trip. |
Does my existing insurance cover single Trip travel insurance?
It is completely understandable to wonder if your current insurance, such as credit card coverage or the public health system, can provide single Trip travel insurance, but unfortunately this is often insufficient.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Single Trip travel insurance included? | What it covers | Why travel insurance is better |
|---|---|---|---|
| Public health insurance (Medisave/Medishield) | Never | Emergency medical in certain hospitals, limits up to $15,000 annually. No coverage for evacuation, trip cancellation, baggage or delays. | Travel insurance covers emergencies up to $2,000,000 and includes trip cancellation, evacuation, and baggage. |
| Private health insurance (Great Eastern, AIA Singapore) | Almost Never | Overseas emergency medical, usually up to $100,000 per incident, trip-related benefits rarely included. No trip cancellation, travel delay, or personal liability. | Travel insurance provides high limits, up to $500,000, plus cancellation, delays and liability benefits. |
| Classic credit card (DBS Treasures, UOB Preferred Platinum) | Almost Never | Limited medical (up to $80,000), basic baggage cover up to $2,000 for short trips. No evacuation, pre-existing illness cover, or full accident benefits. | Travel insurance covers evacuation, accident, and pre-existing medical condition, plus higher claim limits. |
| Premium credit card (OCBC Premier Visa Infinite, Citibank PremierMiles) | Limited coverage | Medical coverage up to $150,000, some trip interruption, lower baggage limits. No coverage for multi-risk events, higher trip values or comprehensive cancellation. | Travel insurance provides comprehensive cancellation and up to $50,000 trip value coverage, plus more events. |
No coverage for evacuation, trip cancellation, baggage or delays.
No trip cancellation, travel delay, or personal liability.
No evacuation, pre-existing illness cover, or full accident benefits.
No coverage for multi-risk events, higher trip values or comprehensive cancellation.
Expert advice
Bank card and health insurance often exclude key situations like trip interruption due to a relative’s illness. Read your policy's fine print carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to your trip.
FAQ
Is single Trip travel insurance mandatory?
Single Trip travel insurance is mandatory for entry into certain countries, especially those requiring a Schengen visa, which demands proof of at least €30,000 in medical coverage. For most destinations, it is not legally required but is strongly recommended. For example, if you are travelling to the USA or Japan, a travel-related emergency can quickly lead to expenses of several thousand SGD without insurance.
When is it recommended to purchase single Trip travel insurance?
It is best to purchase your single Trip travel insurance immediately after booking your flights or accommodation. This ensures that you benefit from trip cancellation coverage even before your departure. Early purchase also secures coverage for unforeseen health or travel issues that may arise between your booking date and travel date.
How do I purchase single Trip travel insurance?
Start by comparing policies using HelloSafe’s travel insurance comparison platform to find options tailored to your trip. Carefully check guarantees and exclusions, especially for medical and cancellation cover relevant to single Trip journeys. Buy your policy online through the insurer’s website and, once confirmed, you’ll receive an insurance certificate via email for your records and visa applications.
Can I purchase single Trip travel insurance after booking my trip?
Yes, you can buy single Trip travel insurance after booking your flights or hotels, but purchasing early gives you access to additional benefits like pre-departure cancellation coverage. Most insurers will only cover events that happen after your policy is purchased, so getting insured as soon as possible is recommended for complete peace of mind.
How do I make a claim with my single Trip travel insurance?
In the event of a claim, promptly contact your insurer’s claims hotline or online claims portal. Submit all necessary documents, such as medical reports, receipts, or police statements, to support your claim. Most reputable Singapore insurers process claims digitally within days, especially for straightforward cases, providing reimbursements in SGD directly to your bank account.
Does single Trip travel insurance cover COVID-19-related expenses?
Most current single Trip travel insurance plans offer coverage for COVID-19-related medical expenses, quarantine costs, or trip cancellations due to infection. However, coverage limits and benefit types may differ between insurers. Always check that your policy includes these benefits before purchasing, as travel advisories and entry rules can change unexpectedly.
Are adventure sports or high-risk activities included in single Trip travel insurance?
Many insurers provide the option to include coverage for activities like scuba diving, skiing, or trekking, but not all plans offer this by default. If you plan to engage in adventure or extreme sports during your trip, make sure your policy specifically covers these, and check for any limitations or exclusions before purchasing.
Is single Trip travel insurance mandatory?
Single Trip travel insurance is mandatory for entry into certain countries, especially those requiring a Schengen visa, which demands proof of at least €30,000 in medical coverage. For most destinations, it is not legally required but is strongly recommended. For example, if you are travelling to the USA or Japan, a travel-related emergency can quickly lead to expenses of several thousand SGD without insurance.
When is it recommended to purchase single Trip travel insurance?
It is best to purchase your single Trip travel insurance immediately after booking your flights or accommodation. This ensures that you benefit from trip cancellation coverage even before your departure. Early purchase also secures coverage for unforeseen health or travel issues that may arise between your booking date and travel date.
How do I purchase single Trip travel insurance?
Start by comparing policies using HelloSafe’s travel insurance comparison platform to find options tailored to your trip. Carefully check guarantees and exclusions, especially for medical and cancellation cover relevant to single Trip journeys. Buy your policy online through the insurer’s website and, once confirmed, you’ll receive an insurance certificate via email for your records and visa applications.
Can I purchase single Trip travel insurance after booking my trip?
Yes, you can buy single Trip travel insurance after booking your flights or hotels, but purchasing early gives you access to additional benefits like pre-departure cancellation coverage. Most insurers will only cover events that happen after your policy is purchased, so getting insured as soon as possible is recommended for complete peace of mind.
How do I make a claim with my single Trip travel insurance?
In the event of a claim, promptly contact your insurer’s claims hotline or online claims portal. Submit all necessary documents, such as medical reports, receipts, or police statements, to support your claim. Most reputable Singapore insurers process claims digitally within days, especially for straightforward cases, providing reimbursements in SGD directly to your bank account.
Does single Trip travel insurance cover COVID-19-related expenses?
Most current single Trip travel insurance plans offer coverage for COVID-19-related medical expenses, quarantine costs, or trip cancellations due to infection. However, coverage limits and benefit types may differ between insurers. Always check that your policy includes these benefits before purchasing, as travel advisories and entry rules can change unexpectedly.
Are adventure sports or high-risk activities included in single Trip travel insurance?
Many insurers provide the option to include coverage for activities like scuba diving, skiing, or trekking, but not all plans offer this by default. If you plan to engage in adventure or extreme sports during your trip, make sure your policy specifically covers these, and check for any limitations or exclusions before purchasing.
