Travel insurance
Does travel insurance cover mental health conditions?
As of 28 Oct 2026 (Singapore time)
Usually not. 14 of the 22 insurers we compare exclude mental and nervous disorders, and 8 do not name them either way. A trip cancelled or cut short because of anxiety or depression is usually not paid. If you need this cover, ask the insurer in writing before you buy.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers that exclude it on every plan: 14.
- Insurers whose documents do not say: 8.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoNofrom S$17.70 | No | Essential14 of its 14 plansExcluded: Pregnancy and childbirth; mental and psychiatric conditions; sexually transmitted infections and HIV | 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: HIV/AIDS; venereal or sexually transmitted disease; mental, nervous or sleep disorders | S$18.90 |
| ERGONofrom S$27.43 | No | ERGO TravelProtect Essential12 of its 12 plansExcluded: Mental, nervous or sleep disorders; suicide or intentional self-inflicted injury | S$27.43 |
| FWDNofrom S$37.08 | No | Premium54 of its 54 plansExcluded: Mental, psychological or psychiatric disorders; suicide or self-inflicted acts; sexually transmitted infections and HIV | S$37.08 |
| 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: Pregnancy and childbirth (except the maternity care section); mental and nervous disorders; sexually transmitted diseases, HIV and AIDS | S$40.00 |
| LibertyNofrom S$45.00 | No | TourCare Plus Standard12 of its 24 plansExcluded: Stress, anxiety, depression, nervous, psychiatric and mental conditions | 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 |
| Tokio MarineNofrom S$54.00 | No | TM Travel Trust Standard30 of its 30 plansExcluded: Mental or nervous disorders; venereal or sexually transmitted diseases, AIDS; epidemic or pandemic unless stated | S$54.00 |
| ChubbNofrom S$55.50 | No | Economy27 of its 54 plansExcluded: Mental and nervous disorders | S$55.50 |
| StarrNofrom S$58.34 | No | TraveLead Bronze21 of its 21 plansExcluded: Pregnancy, miscarriage or childbirth; mental or nervous disorders; AIDS, HIV and sexually transmitted disease | S$58.34 |
| India InternationalNofrom S$69.76 | No | i-Journey Classic12 of its 12 plansExcluded: Mental and nervous disorders; intentional self-injury or suicide | S$69.76 |
| HL AssuranceNot statedfrom S$23.20 | Not stated | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansThe plan's documents do not mention it. | S$23.20 |
| 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 |
| Great AmericanNot statedfrom S$28.34 | Not stated | Great Travel Insurance Classic24 of its 24 plansThe plan's documents do not mention it. | S$28.34 |
| 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 |
| SinglifeNot statedfrom S$55.42 | Not stated | Travel Lite78 of its 78 plansThe plan's documents do not mention it. | S$55.42 |
| AllianzNot statedfrom S$72.61 | Not stated | Travel Protect Silver30 of its 30 plansThe plan's documents do not mention it. | S$72.61 |
| 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 mental health conditions?
Usually not. 14 of the 22 insurers we compare exclude mental and nervous disorders, and 8 do not name them either way. A trip cancelled or cut short because of anxiety or depression is usually not paid. If you need this cover, ask the insurer in writing before you buy.
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.