Travel insurance
HL Assurance vs Zurich travel insurance
As of 29 Oct 2026 (Singapore time)
Of the 12 examples both price, HL Assurance was cheaper on 12, Zurich on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | Zurich |
|---|---|---|
| One week in Thailand, one adult | S$23.20Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Two weeks in Japan, one adult | S$38.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$77.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Three weeks in Europe, one adult | S$71.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$140.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Long weekend in Malaysia, one adult | S$16.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$20.00Travel Guard Direct Basicas at 19 Oct 2026 |
| A year of trips in Asia, one adult | S$189.50Travel Assured Plus Basic (no COVID-19 cover) Annual Multi-Tripas at 21 Oct 2026 | S$590.00Travel Guard Direct Enhanced Annual Multi-Tripas at 19 Oct 2026 |
| One week in Japan, one adult | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$58.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in South Korea, one adult | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$58.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in Taiwan, one adult | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| One week in China, one adult | S$25.60Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$42.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Five days in Hong Kong, one adult | S$22.00Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$33.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Five days in Thailand, one adult | S$20.00Travel Assured Plus Basic (no COVID-19 cover)as at 21 Oct 2026 | S$33.00Travel Guard Direct Basicas at 19 Oct 2026 |
| Three days in Malaysia, one adult | S$16.80Travel Assured Plus Basic (no COVID-19 cover)as at 21 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 | HL Assurance | Zurich |
|---|---|---|
| Overseas medical expenses | 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 | S$100,000 (S$10,000 if age 70 or over) |
| Trip cancellation | S$5,000 | S$5,000 |
| Baggage and personal belongings | S$3,000 (delayed baggage S$100 every 6 hours up to S$800) | S$1,500 (S$1,000 laptop, S$500 per other item) |
| COVID-19 | Not covered | 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
- HL Assurance: 60% off; 50% off
- Zurich: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or Zurich cheaper for travel insurance?
Of the 12 examples both price, HL Assurance was cheaper on 12, Zurich on 0. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Zurich's?
On each one's cheapest plan for one week in Thailand, one adult (HL Assurance Travel Assured Plus Basic (no COVID-19 cover), Zurich Travel Guard Direct Basic): Overseas medical expenses: 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, Zurich S$100,000 (S$10,000 if age 70 or over); Trip cancellation: HL Assurance S$5,000, Zurich S$5,000; Baggage and personal belongings: HL Assurance S$3,000 (delayed baggage S$100 every 6 hours up to S$800), Zurich S$1,500 (S$1,000 laptop, S$500 per other item); COVID-19: HL Assurance Not covered, 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: HL Assurance S$0.00, Zurich S$0.00.
What discounts are HL Assurance and Zurich running?
HL Assurance: 60% off; 50% off. Zurich: none to show.