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Travel insurance

Tokio Marine vs Zurich travel insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Tokio Marine was cheaper on 5, Zurich on 7. 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.
ExampleTokio MarineZurich
One week in Thailand, one adultS$54.00TM Travel Trust Standardas at 10 Oct 2026S$42.00Travel Guard Direct Basicas at 19 Oct 2026
Two weeks in Japan, one adultS$73.00TM Travel Trust Standardas at 10 Oct 2026S$77.00Travel Guard Direct Basicas at 19 Oct 2026
Three weeks in Europe, one adultS$127.00TM Travel Trust Standardas at 10 Oct 2026S$140.00Travel Guard Direct Basicas at 19 Oct 2026
Long weekend in Malaysia, one adultS$33.00TM Travel Trust Standardas at 10 Oct 2026S$20.00Travel Guard Direct Basicas at 19 Oct 2026
A year of trips in Asia, one adultS$221.00TM Travel Trust Standard Annualas at 10 Oct 2026S$590.00Travel Guard Direct Enhanced Annual Multi-Tripas at 19 Oct 2026
One week in Japan, one adultS$54.00TM Travel Trust Standardas at 10 Oct 2026S$58.00Travel Guard Direct Basicas at 19 Oct 2026
One week in South Korea, one adultS$54.00TM Travel Trust Standardas at 10 Oct 2026S$58.00Travel Guard Direct Basicas at 19 Oct 2026
One week in Taiwan, one adultS$54.00TM Travel Trust Standardas at 10 Oct 2026S$42.00Travel Guard Direct Basicas at 19 Oct 2026
One week in China, one adultS$54.00TM Travel Trust Standardas at 10 Oct 2026S$42.00Travel Guard Direct Basicas at 19 Oct 2026
Five days in Hong Kong, one adultS$44.00TM Travel Trust Standardas at 10 Oct 2026S$33.00Travel Guard Direct Basicas at 19 Oct 2026
Five days in Thailand, one adultS$44.00TM Travel Trust Standardas at 10 Oct 2026S$33.00Travel Guard Direct Basicas at 19 Oct 2026
Three days in Malaysia, one adultS$33.00TM Travel Trust Standardas at 10 Oct 2026S$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

Each insurer's cheapest plan for one week in Thailand, one adult: Tokio Marine TM Travel Trust Standard, Zurich Travel Guard Direct Basic.
CoverTokio MarineZurich
Overseas medical expensesS$175,000 (S$75,000 age 70-89)S$100,000 (S$10,000 if age 70 or over)
Trip cancellationS$2,500S$5,000
Baggage and personal belongingsS$2,500S$1,500 (S$1,000 laptop, S$500 per other item)
COVID-19Included: overseas medical up to S$50,000 (S$30,000 age 70-89), evacuation and repatriation up to S$20,000 (S$10,000 age 70-89); no COVID-19 cover for trip cancellation, postponement or curtailment; not if you travel against a government travel advisory, or while WHO has COVID-19 declared a global health emergency (PHEIC); COVID-19 tests, vaccinations and quarantine costs are not coveredTravel 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
ExcessS$0.00S$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.

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Questions people ask

Is Tokio Marine or Zurich cheaper for travel insurance?

Of the 12 examples both price, Tokio Marine was cheaper on 5, Zurich on 7. Your own answers can change the order, so get your own quote.

How does Tokio Marine's cover compare with Zurich's?

On each one's cheapest plan for one week in Thailand, one adult (Tokio Marine TM Travel Trust Standard, Zurich Travel Guard Direct Basic): Overseas medical expenses: Tokio Marine S$175,000 (S$75,000 age 70-89), Zurich S$100,000 (S$10,000 if age 70 or over); Trip cancellation: Tokio Marine S$2,500, Zurich S$5,000; Baggage and personal belongings: Tokio Marine S$2,500, Zurich S$1,500 (S$1,000 laptop, S$500 per other item); COVID-19: Tokio Marine Included: overseas medical up to S$50,000 (S$30,000 age 70-89), evacuation and repatriation up to S$20,000 (S$10,000 age 70-89); no COVID-19 cover for trip cancellation, postponement or curtailment; not if you travel against a government travel advisory, or while WHO has COVID-19 declared a global health emergency (PHEIC); COVID-19 tests, vaccinations and quarantine costs are 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: Tokio Marine S$0.00, Zurich S$0.00.

What discounts are Tokio Marine and Zurich running?

Tokio Marine: none to show. Zurich: none to show.