Travel insurance
FWD vs Zurich travel insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, FWD was cheaper on 8, Zurich on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | Zurich |
|---|---|---|
| One week in Thailand, one adult | S$37.08Premiumas at 15 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Two weeks in Japan, one adult | S$60.21Premiumas at 15 Oct 2026 | S$77.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Three weeks in Europe, one adult | S$149.08Premiumas at 15 Oct 2026 | S$140.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Long weekend in Malaysia, one adult | S$22.64Premiumas at 15 Oct 2026 | S$20.00Travel Guard Direct Basicas at 19 Oct 2026 |
| A year of trips in Asia, one adult | S$324.82Premium Annual Multi-Tripas at 15 Oct 2026 | S$590.00Travel Guard Direct Enhanced Annual Multi-Tripas at 19 Oct 2026 |
| One week in Japan, one adult | S$39.80Premiumas at 15 Oct 2026 | S$58.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in South Korea, one adult | S$39.80Premiumas at 15 Oct 2026 | S$58.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in Taiwan, one adult | S$39.80Premiumas at 15 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in China, one adult | S$39.80Premiumas at 15 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Five days in Hong Kong, one adult | S$35.72Premiumas at 15 Oct 2026 | S$33.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Five days in Thailand, one adult | S$31.72Premiumas at 15 Oct 2026 | S$33.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Three days in Malaysia, one adult | S$22.64Premiumas at 15 Oct 2026 | S$20.00Travel Guard Direct Basicas at 19 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 | Zurich |
|---|---|---|
| Overseas medical expenses | S$200,000 (S$40,000 age 70 or older) | S$100,000 (S$10,000 if age 70 or over) |
| Trip cancellation | S$7,500 | S$5,000 |
| Baggage and personal belongings | S$3,000 | S$1,500 (S$1,000 laptop, S$500 per other item) |
| 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) | Travel Guard's website says it covers overseas medical and evacuation, trip cancellation and a quarantine allowance. No limits are published for it, so ask Travel Guard before you rely on it |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or Zurich cheaper for travel insurance?
Of the 12 examples both price, FWD was cheaper on 8, Zurich on 4. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Zurich's?
On each one's cheapest plan for one week in Thailand, one adult (FWD Premium, Zurich Travel Guard Direct Basic): Overseas medical expenses: FWD S$200,000 (S$40,000 age 70 or older), Zurich S$100,000 (S$10,000 if age 70 or over); Trip cancellation: FWD S$7,500, Zurich S$5,000; Baggage and personal belongings: FWD S$3,000, Zurich S$1,500 (S$1,000 laptop, S$500 per other item); 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), Zurich Travel Guard's website says it covers overseas medical and evacuation, trip cancellation and a quarantine allowance. No limits are published for it, so ask Travel Guard before you rely on it; Excess: FWD S$0.00, Zurich S$0.00.
What discounts are FWD and Zurich running?
FWD: none to show. Zurich: none to show.