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Travel insurance

ERGO vs FWD travel insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ERGO was cheaper on 12, FWD on 0. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleERGOFWD
One week in Thailand, one adultS$27.43ERGO TravelProtect Essentialas at 24 Oct 2026S$37.08Premiumas at 15 Oct 2026
Two weeks in Japan, one adultS$51.58ERGO TravelProtect Essentialas at 24 Oct 2026S$60.21Premiumas at 15 Oct 2026
Three weeks in Europe, one adultS$141.11ERGO TravelProtect Essentialas at 24 Oct 2026S$149.08Premiumas at 15 Oct 2026
Long weekend in Malaysia, one adultS$17.40ERGO TravelProtect Essentialas at 24 Oct 2026S$22.64Premiumas at 15 Oct 2026
A year of trips in Asia, one adultS$231.93ERGO TravelProtect Essential (Annual Multi-Trip)as at 24 Oct 2026S$324.82Premium Annual Multi-Tripas at 15 Oct 2026
One week in Japan, one adultS$31.05ERGO TravelProtect Essentialas at 24 Oct 2026S$39.80Premiumas at 15 Oct 2026
One week in South Korea, one adultS$31.05ERGO TravelProtect Essentialas at 24 Oct 2026S$39.80Premiumas at 15 Oct 2026
One week in Taiwan, one adultS$31.05ERGO TravelProtect Essentialas at 24 Oct 2026S$39.80Premiumas at 15 Oct 2026
One week in China, one adultS$31.05ERGO TravelProtect Essentialas at 24 Oct 2026S$39.80Premiumas at 15 Oct 2026
Five days in Hong Kong, one adultS$25.68ERGO TravelProtect Essentialas at 24 Oct 2026S$35.72Premiumas at 15 Oct 2026
Five days in Thailand, one adultS$22.41ERGO TravelProtect Essentialas at 24 Oct 2026S$31.72Premiumas at 15 Oct 2026
Three days in Malaysia, one adultS$17.40ERGO TravelProtect Essentialas at 24 Oct 2026S$22.64Premiumas at 15 Oct 2026

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

Cover side by side

Each insurer's cheapest plan for one week in Thailand, one adult: ERGO ERGO TravelProtect Essential, FWD Premium.
CoverERGOFWD
Overseas medical expensesS$200,000 (S$100,000 above age 70) per personS$200,000 (S$40,000 age 70 or older)
Trip cancellationS$10,000 per personS$7,500
Baggage and personal belongingsS$3,000 per personS$3,000
COVID-19Included: Part 39 of the wording extends every section of the policy to losses arising from COVID-19 (medical, evacuation, and trip cancellation, postponement and curtailment where it causes death or serious sickness); no cover for mandatory COVID-19 tests for the trip, for border closures, travel advisories or disinclination to travel, for a diagnosis or exposure known when the policy was bought, or for post-trip medical expenses in SingaporeNot covered: epidemics and pandemics declared by the WHO or the Singapore government are excluded; FWD sells COVID-19 cover as a paid extension (the "with COVID-19 extension" cards here)
ExcessS$0.00S$0.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

  • ERGO: none to show
  • FWD: none to show

More about each

See every insurer's price for your own answers, cheapest first.

Get your own quote

Questions people ask

Is ERGO or FWD cheaper for travel insurance?

Of the 12 examples both price, ERGO was cheaper on 12, FWD on 0. Your own answers can change the order, so get your own quote.

How does ERGO's cover compare with FWD's?

On each one's cheapest plan for one week in Thailand, one adult (ERGO ERGO TravelProtect Essential, FWD Premium): Overseas medical expenses: ERGO S$200,000 (S$100,000 above age 70) per person, FWD S$200,000 (S$40,000 age 70 or older); Trip cancellation: ERGO S$10,000 per person, FWD S$7,500; Baggage and personal belongings: ERGO S$3,000 per person, FWD S$3,000; COVID-19: ERGO Included: Part 39 of the wording extends every section of the policy to losses arising from COVID-19 (medical, evacuation, and trip cancellation, postponement and curtailment where it causes death or serious sickness); no cover for mandatory COVID-19 tests for the trip, for border closures, travel advisories or disinclination to travel, for a diagnosis or exposure known when the policy was bought, or for post-trip medical expenses in Singapore, FWD Not covered: epidemics and pandemics declared by the WHO or the Singapore government are excluded; FWD sells COVID-19 cover as a paid extension (the "with COVID-19 extension" cards here); Excess: ERGO S$0.00, FWD S$0.00.

What discounts are ERGO and FWD running?

ERGO: none to show. FWD: none to show.