Travel insurance
Does travel insurance cover injuries after drinking alcohol?
As of 28 Oct 2026 (Singapore time)
Often not. 15 of the 22 insurers we compare exclude claims caused by being drunk or under the influence of drugs a doctor did not prescribe; 7 do not say either way. An injury after heavy drinking abroad can be refused, leaving the hospital bill with you. The exclusion applies when the alcohol caused or contributed to the loss.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers that exclude it on every plan: 15.
- Insurers whose documents do not say: 7.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoNofrom S$17.70 | No | Essential14 of its 14 plansExcluded: Self-injury, suicide, criminal acts; the effect of alcohol or drugs | S$17.70 |
| MSIGNofrom S$17.80 | No | TravelEasy Lite43 of its 43 plansExcluded: Suicide, self-inflicted injury, influence of alcohol or drugs; mental illness diagnosed before arranging the journey | S$17.80 |
| EtiqaNofrom S$18.90 | No | Tiq Travel Insurance Entry39 of its 39 plansExcluded: Pregnancy, childbirth, miscarriage (except accidental) or abortion; intoxication by alcohol or non-prescribed drugs | S$18.90 |
| HL AssuranceNofrom S$23.20 | No | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansExcluded: Travel against medical advice; pregnancy and childbirth; suicide or self-injury; under the influence of alcohol or drugs | S$23.20 |
| ERGONofrom S$27.43 | No | ERGO TravelProtect Essential12 of its 12 plansExcluded: Influence of alcohol or non-prescription drugs; illegal acts | S$27.43 |
| Great AmericanNofrom S$28.34 | No | Great Travel Insurance Classic24 of its 24 plansExcluded: The effect of alcohol or non-prescription drugs | S$28.34 |
| QBENofrom S$38.40 | No | Travel Prestige Standard Plus20 of its 20 plansExcluded: Self-inflicted injury or suicide, drug abuse, alcoholism, mental disorder, congenital anomalies, HIV and AIDS-related infection | S$38.40 |
| Great EasternNofrom S$40.00 | No | Basic13 of its 13 plansExcluded: Self-inflicted injury, suicide, criminal acts; the effect of alcohol or drugs not prescribed by a doctor | S$40.00 |
| LibertyNofrom S$45.00 | No | TourCare Plus Standard12 of its 24 plansExcluded: Intentional self-injury or suicide; alcohol or non-prescribed drugs | S$45.00 |
| UOINofrom S$49.00 | No | UniTravel Value21 of its 21 plansExcluded: Psychiatric conditions, self-injury, suicide; the influence of alcohol or drugs | S$49.00 |
| China TaipingNofrom S$51.00 | No | Lite30 of its 30 plansExcluded: Suicide, intentional self-injury or wilful exposure to danger; intoxication by alcohol or non-prescribed drugs; mental or nervous disorders | S$51.00 |
| SinglifeNofrom S$55.42 | No | Travel Lite78 of its 78 plansExcluded: Alcohol and drugs; insanity; suicide | S$55.42 |
| ChubbNofrom S$55.50 | No | Economy27 of its 54 plansExcluded: Wilful or self-inflicted injury, suicide; illegal acts; intoxication by alcohol or non-prescribed drugs | S$55.50 |
| StarrNofrom S$58.34 | No | TraveLead Bronze21 of its 21 plansExcluded: Suicide, intentional self-injury; the effects of alcohol or drugs not prescribed by a doctor | S$58.34 |
| AllianzNofrom S$72.61 | No | Travel Protect Silver30 of its 30 plansExcluded: Pregnancy beyond the first 20 weeks, childbirth, fertility treatment; self-harm; alcohol or drug abuse; illegal acts; working as aircraft, vehicle or vessel crew | S$72.61 |
| Allianz TravelNot statedfrom S$23.60 | Not stated | Allianz Travel Basic18 of its 18 plansThe plan's documents do not mention it. | S$23.60 |
| FWDNot statedfrom S$37.08 | Not stated | Premium54 of its 54 plansThe plan's documents do not mention it. | S$37.08 |
| ZurichNot statedfrom S$42.00 | Not stated | Travel Guard Direct Basic20 of its 20 plansThe plan's documents do not mention it. | S$42.00 |
| EQ InsuranceNot statedfrom S$44.00 | Not stated | EQ TravelSafe Basic24 of its 24 plansThe plan's documents do not mention it. | S$44.00 |
| Tokio MarineNot statedfrom S$54.00 | Not stated | TM Travel Trust Standard30 of its 30 plansThe plan's documents do not mention it. | S$54.00 |
| India InternationalNot statedfrom S$69.76 | Not stated | i-Journey Classic12 of its 12 plansThe plan's documents do not mention it. | S$69.76 |
| IncomeNot statedfrom S$73.72 | Not stated | Classic36 of its 36 plansThe plan's documents do not mention it. | 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 injuries after drinking alcohol?
Often not. 15 of the 22 insurers we compare exclude claims caused by being drunk or under the influence of drugs a doctor did not prescribe; 7 do not say either way. An injury after heavy drinking abroad can be refused, leaving the hospital bill with you. The exclusion applies when the alcohol caused or contributed to the loss.
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?
Prices depend on your answers: get a quote to see every insurer's price for you.