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Does travel insurance cover COVID-19?
As of 28 Oct 2026 (Singapore time)
Mostly yes. 20 of the 22 insurers we compare include COVID-19 cover on at least one plan, usually overseas medical bills and trip cancellation if you test positive before you leave. 2 have none. Check the plan's COVID-19 limits, which are often lower than its other medical limits.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers with at least one plan that covers it: 20.
- Insurers that exclude it on every plan: 2.
- Cheapest plan that covers it, for one week in Thailand, one adult: Sompo Essential, S$17.70.
- Median price among the insurers that cover it, for the same example: S$43.00.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoYesfrom S$17.70 | Yes | Essential14 of its 14 plansCOVID-19: Included at the plan limits: overseas medical up to S$200,000 (S$50,000 if age 70 or over), trip cancellation or curtailment up to S$5,000, hospital allowance S$100 a day (up to S$3,000); not covered: medical costs back in Singapore, quarantine orders, required COVID-19 tests | S$17.70 |
| MSIGYesfrom S$17.80 | Yes | TravelEasy Lite40 of its 43 plansCOVID-19: Included: overseas medical up to S$25,000 (S$10,000 age 70 and above or a child, S$100 excess), medical evacuation up to S$100,000; no COVID-19 trip cancellation, trip shortening or quarantine cover; claims need a positive test within the first 90 days of the trip | S$17.80 |
| EtiqaYesfrom S$20.25 | Yes | Tiq Travel Insurance Entry with COVID-19 add-on18 of its 39 plansCOVID-19: COVID-19 add-on included: overseas medical expenses up to S$100,000, trip cancellation S$3,000, travel postponement S$500, curtailment S$3,000, overseas diagnosis quarantine allowance S$100 a day up to S$500, emergency evacuation and repatriation S$200,000 and hospitalisation benefit in Singapore S$100 — for fully vaccinated travellers meeting Tiq's test requirements | S$20.25 |
| Allianz TravelYesfrom S$23.60 | Yes | Allianz Travel Basic18 of its 18 plansCOVID-19: Included as standard: overseas medical and emergency transport for COVID-19, and trip cancellation if you or a travelling companion are diagnosed or must quarantine before you leave (policy wording) | S$23.60 |
| ERGOYesfrom S$27.43 | Yes | ERGO TravelProtect Essential12 of its 12 plansCOVID-19: 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 | S$27.43 |
| HL AssuranceYesfrom S$31.60 | Yes | Travel Assured Plus Silver36 of its 48 plansCOVID-19: Included if fully vaccinated (children under 12 exempt): overseas medical up to S$50,000 (S$25,000 above age 70), trip cancellation S$1,000 or postponement S$750, trip curtailment S$1,000, overseas hospital allowance S$100 a day up to S$1,000, quarantine allowance S$50 a day up to S$500 | S$31.60 |
| QBEYesfrom S$38.40 | Yes | Travel Prestige Standard Plus20 of its 20 plansCOVID-19: Included: overseas medical expenses, quarantine allowance, trip cancellation and curtailment for COVID-19 | S$38.40 |
| Great EasternYesfrom S$40.00 | Yes | Basic13 of its 13 plansCOVID-19: Covered as any illness: overseas medical expenses up to S$100,000 per adult under 70 (section 5, "including Covid-19") and medical expenses back in Singapore; trip cancellation and curtailment under the policy's usual terms | S$40.00 |
| FWDYesfrom S$41.55 | Yes | Premium with COVID-19 extension27 of its 54 plansCOVID-19: COVID-19 extension included: COVID-19 medical expenses in Singapore and overseas up to S$200,000, emergency evacuation and repatriation up to S$200,000, trip cancellation S$5,000 and trip disruption S$5,000, hospital cash of S$100 a day overseas and S$100 a day in Singapore (each up to 14 days) and overseas quarantine allowance of S$50 a day (14 days) | S$41.55 |
| ZurichYesfrom S$42.00 | Yes | Travel Guard Direct Basic20 of its 20 plansCOVID-19: 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 | S$42.00 |
| EQ InsuranceYesfrom S$44.00 | Yes | EQ TravelSafe Basic24 of its 24 plansCOVID-19: Covered when you tick the COVID-19 Extension at EQ's checkout: the form adds it at no charge (S$0.00 for every plan, zone, trip length and party on 15 October 2026, departures to mid-2027); overseas and Singapore medical expenses, trip postponement, curtailment, cancellation and misconnection then apply to COVID-19 at the plan's limits; you must meet the destination's vaccination and test rules | S$44.00 |
| LibertyYesfrom S$45.00 | Yes | TourCare Plus Standard12 of its 24 plansCOVID-19: Included: overseas medical, evacuation and repatriation up to S$100,000 (S$50,000 age 76-85), trip cancellation up to S$2,000 (postponement S$500), trip curtailment up to S$2,000, trip disruption up to S$1,000, overseas quarantine allowance S$50 a day up to S$350. Not if you travel against a Singapore travel advisory or with Covid-19 symptoms | S$45.00 |
| UOIYesfrom S$49.00 | Yes | UniTravel Value21 of its 21 plansCOVID-19 cover: Covered: trip cancellation due to COVID-19 S$1,500, overseas medical expenses S$100,000 an adult (S$50,000 a child or from age 70), evacuation S$100,000 | S$49.00 |
| Tokio MarineYesfrom S$54.00 | Yes | TM Travel Trust Standard30 of its 30 plansCOVID-19: 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 | S$54.00 |
| ChubbYesfrom S$55.50 | Yes | Economy27 of its 54 plansCOVID-19: Included: overseas medical expenses due to COVID-19 up to S$50,000, overseas quarantine benefit S$100 a day up to S$700, journey cancellation and curtailment due to COVID-19 up to S$2,500 each, medical evacuation and repatriation due to COVID-19 unlimited | S$55.50 |
| StarrYesfrom S$58.34 | Yes | TraveLead Bronze21 of its 21 plansCOVID-19: Included (two vaccine doses, age 65 or under): overseas medical up to S$15,000 per person, half for under 18s; trip cancellation and curtailment not covered | S$58.34 |
| China TaipingYesfrom S$60.00 | Yes | Economy23 of its 30 plansCOVID-19: Included (COVID-19 endorsement): overseas medical expenses up to S$100,000, overseas hospital cash S$100 a day up to S$2,000, overseas quarantine allowance S$50 a day up to S$700, emergency evacuation and repatriation up to S$100,000 each, trip cancellation S$2,000, postponement S$2,000, curtailment S$1,000; not if you travel against government advice | S$60.00 |
| SinglifeYesfrom S$63.55 | Yes | Travel Lite with COVID-19 add-on39 of its 78 plansCOVID-19: COVID-19 add-on included: overseas medical expenses up to S$50,000, emergency medical evacuation S$250,000 and repatriation S$30,000, trip cancellation or postponement S$2,500 and trip interruption S$2,500 — all due to COVID-19 (no Singapore medical, quarantine allowance or hospital income on Lite) | S$63.55 |
| India InternationalYesfrom S$69.76 | Yes | i-Journey Classic12 of its 12 plansCOVID-19: Included: overseas medical expenses and emergency evacuation due to COVID-19 up to S$25,000 | S$69.76 |
| AllianzYesfrom S$72.61 | Yes | Travel Protect Silver30 of its 30 plansCOVID-19: Covered as an illness: overseas emergency medical care and emergency transportation if you fall ill with COVID-19 on the trip, and trip cancellation, interruption or delay when you or a travelling companion are specifically ordered into quarantine or are diagnosed; general lockdowns, travel bans and border closures are not covered | S$72.61 |
| Great AmericanNofrom S$28.34 | No | Great Travel Insurance Classic24 of its 24 plansCOVID-19: Not covered: the June 2020 plan has no COVID-19 benefit, and pandemic-related claims fall under its exclusions | S$28.34 |
| IncomeNofrom S$73.72 | No | Classic36 of its 36 plansCOVID-19: Not covered: the policy wording of July 2026 names no COVID-19 benefit and excludes claims arising from an epidemic, pandemic or public health emergency declared by the WHO or a government authority | S$73.72 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare travel insuranceQuestions people ask
Does travel insurance cover COVID-19?
Mostly yes. 20 of the 22 insurers we compare include COVID-19 cover on at least one plan, usually overseas medical bills and trip cancellation if you test positive before you leave. 2 have none. Check the plan's COVID-19 limits, which are often lower than its other medical limits.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 665 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For one week in Thailand, one adult, Sompo Essential is the cheapest plan that covers it, at S$17.70 today, GST included. The median of each insurer's lowest price is S$43.00.