Travel insurance
FWD vs HL Assurance travel insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, FWD was cheaper on 0, HL Assurance on 12. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | HL Assurance |
|---|---|---|
| One week in Thailand, one adult | S$37.08Premiumas at 15 Oct 2026 | S$23.20Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Two weeks in Japan, one adult | S$60.21Premiumas at 15 Oct 2026 | S$38.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Three weeks in Europe, one adult | S$149.08Premiumas at 15 Oct 2026 | S$71.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Long weekend in Malaysia, one adult | S$22.64Premiumas at 15 Oct 2026 | S$16.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| A year of trips in Asia, one adult | S$324.82Premium Annual Multi-Tripas at 15 Oct 2026 | S$189.50Travel Assured Plus Basic (no COVID-19 cover) Annual Multi-Tripas at 21 Oct 2026 |
| One week in Japan, one adult | S$39.80Premiumas at 15 Oct 2026 | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| One week in South Korea, one adult | S$39.80Premiumas at 15 Oct 2026 | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| One week in Taiwan, one adult | S$39.80Premiumas at 15 Oct 2026 | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| One week in China, one adult | S$39.80Premiumas at 15 Oct 2026 | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Five days in Hong Kong, one adult | S$35.72Premiumas at 15 Oct 2026 | S$22.00Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Five days in Thailand, one adult | S$31.72Premiumas at 15 Oct 2026 | S$20.00Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 |
| Three days in Malaysia, one adult | S$22.64Premiumas at 15 Oct 2026 | S$16.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 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
| Cover | FWD | HL Assurance |
|---|---|---|
| Overseas medical expenses | S$200,000 (S$40,000 age 70 or older) | S$150,000 overseas (age 70 and below; S$50,000 above 70; child S$100,000); medical expenses in Singapore S$10,000; no COVID-19 cover |
| Trip cancellation | S$7,500 | S$5,000 |
| Baggage and personal belongings | S$3,000 | S$3,000 (delayed baggage S$100 every 6 hours up to S$800) |
| COVID-19 | 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) | Not covered |
| Excess | S$0.00 | S$0.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- FWD: none to show
- HL Assurance: 60% off; 50% off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or HL Assurance cheaper for travel insurance?
Of the 12 examples both price, FWD was cheaper on 0, HL Assurance on 12. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with HL Assurance's?
On each one's cheapest plan for one week in Thailand, one adult (FWD Premium, HL Assurance Travel Assured Plus Basic (no COVID-19 cover)): Overseas medical expenses: FWD S$200,000 (S$40,000 age 70 or older), HL Assurance S$150,000 overseas (age 70 and below; S$50,000 above 70; child S$100,000); medical expenses in Singapore S$10,000; no COVID-19 cover; Trip cancellation: FWD S$7,500, HL Assurance S$5,000; Baggage and personal belongings: FWD S$3,000, HL Assurance S$3,000 (delayed baggage S$100 every 6 hours up to S$800); COVID-19: 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), HL Assurance Not covered; Excess: FWD S$0.00, HL Assurance S$0.00.
What discounts are FWD and HL Assurance running?
FWD: none to show. HL Assurance: 60% off; 50% off.