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Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Travel insurance: what seasoned travellers check first
A short walkthrough of the four benefits that matter most when comparing travel policies.
Chitra Raj
Travel Infinite explained: benefits, limits and the fine print
Etiqa's Travel Infinite pays flight-delay compensation automatically, without a claim, and bundles COVID-19 cover into every plan. Here is what the Classic, Deluxe and Suite tiers each add.
Chitra
Travel Insurance (Classic / Deluxe / Preferred) explained: benefits, limits and the fine print
Income Insurance's three-tier travel plan scales medical cover from a set limit to unlimited on its top tier. Here is what each tier states, and what to check before choosing one.
Chitra
FWD Travel Insurance (Premium / Business / First) explained: benefits, limits and the fine print
FWD's three travel insurance tiers share the same S$1,000,000 medical cover but scale trip cancellation and delay benefits differently. Here is how the tiers actually differ.
Chitra
Travel Insurance (Essential / Superior) explained: benefits, limits and the fine print
Sompo's two travel tiers differ mainly in how much they pay for medical treatment, evacuation and cancellation. Here is how Essential and Superior actually compare.
Chitra
EQ TravelSafe explained: benefits, limits and the fine print
EQ TravelSafe merges EQ Insurance's two older travel plans into one, with COVID-19 cover sold as a priced add-on. Here is what the insurer's own material states.
Chitra
TravelEasy explained: benefits, limits and the fine print
MSIG's TravelEasy covers up to $1,000,000 in overseas medical expenses on its top Premier tier, with COVID-19 cover included on every plan. Here is what the four tiers actually differ on.
Chitra
Does your credit card travel insurance replace a policy?
Complimentary travel cover from a credit card usually comes with conditions that a standalone policy does not. Two real FIDReC disputes show where it can fall short.
Chitra
Cruise cover, rental car excess and other niche travel benefits
Standard travel insurance covers the basics well. Cruises, rental car excess, and cancel-for-any-reason cover sit outside that base plan and need their own check.
Chitra
Travel insurance for a family: children, elderly parents and group plans
A family holiday usually means several ages, several risk profiles and sometimes several bookings under one insurer. Here is how family and group travel plans handle that mix.
Chitra
Lost luggage and stolen phones: documentation for a travel claim
Travel insurers pay baggage claims against paperwork, not against your account of what happened. Here is what to collect on the spot so a lost bag or stolen phone actually gets paid.
Chitra
Flight delay claims: how many hours and what proof you need
Travel insurers pay flight delay benefits once a delay crosses a set number of hours, but the threshold and the proof required differ by policy. Here is how to check both.
Chitra
Emergency medical evacuation: the benefit that can run into six figures
A medical evacuation from a remote destination can cost far more than the trip itself. Here is what this travel insurance benefit actually covers, and why the limit matters.
Chitra
Travel insurance and pandemics: what changed since 2020
Travel insurers used to treat pandemics as an unpriceable risk. Since 2020, some cover has returned in narrower form. Here is what to check before you assume you are covered.
Chitra
Adventure sports and travel insurance: skiing, diving and trekking
Standard travel insurance often assumes a fairly ordinary holiday. Skiing, scuba diving and high-altitude trekking can fall outside that assumption unless you check first.
Chitra
Trip cancellation: what counts as a covered reason
Trip cancellation cover only pays out for specific reasons named in your policy. Here is what usually qualifies, what doesn't, and how a real dispute over it was resolved.
Chitra
Pre-existing conditions and travel insurance: the plans that cover them
Most travel plans exclude a pre-existing condition by default, but some Singapore insurers now sell cover for one specifically. Here is how that cover works and where its limits sit.
Chitra
Annual multi-trip vs single-trip travel insurance: the break-even point
An annual multi-trip policy only pays off once you travel often enough. Here is how to work out your own break-even point, and the coverage details a price comparison alone will miss.
Chitra
Travel Protect360 explained: benefits, limits and the fine print
HL Assurance's Travel Protect360 covers up to $750,000 in overseas medical expenses on its top tier, with unlimited emergency evacuation across every plan. Here is what to check before buying.
Chitra
Travel insurance essentials: medical, cancellation, baggage and delay
Travel insurance bundles several distinct benefits into one policy. Here is what each one actually covers, what commonly falls outside them, and why a war or terrorism event can catch travellers out.
Chitra