TL;DR
- Today, for one adult on a seven-day single trip to Taiwan, 22 insurers price cover from about S$21 to about S$363. That is an example, not the price you will pay.
- The price moves with how long you go, who travels, their ages and the plan level you pick.
- Look past the premium first. Check medical cover, trip cancellation, COVID-19 cover and pre-existing conditions.
- Buy as soon as you book, so cancellation cover is already in place if something goes wrong.
- If you travel more than about three weeks a year in total, annual cover is worth a look.
How much does travel insurance for Taiwan cost right now?
Short answer: for our example trip today, 22 insurers price it from S$21.00 to S$363.00. The example is one adult aged 18 to 59, spending seven days in Taiwan and leaving in 30 days. It is a single trip with no cruise.
These are today's figures for that one setup. Prices on the site are worked out again over time, so they can shift. Your own quote depends on your dates, your age and who is going with you. You can see the full spread on the Taiwan price page.
Why is the gap between the lowest and highest premium so wide?
Because the plans at each end are not the same product. Most insurers sell two to four levels of plan. Higher levels pay more for medical bills, cancellation and lost bags, and they cost more.
So the lowest number and the highest number are not a like-for-like comparison. On the results page, plans are listed from the lowest premium up. Each one shows the three benefits that differ most between them, which helps you see what the extra money buys.
Where you land depends on what matters to you. Someone flying with only a backpack may care less about baggage limits. Someone who has paid a lot upfront for flights and hotels may care more about cancellation.
What should I check on a plan before I pay?
Start with medical cover, then work through the rest. Travel insurance here generally covers:
- Medical treatment and hospital stays overseas
- Emergency evacuation and repatriation
- Trip cancellation and shortening for covered reasons
- Lost or damaged baggage and belongings
- Travel delays and missed connections
It is just as useful to know what plans usually leave out:
- Medical conditions you already had before buying, unless declared and accepted
- Travel to places the Ministry of Foreign Affairs advises against
- Losses while under the influence of alcohol or drugs
- Belongings left unattended in a public place
The limits for each benefit differ between plans. We cannot tell you which limit is enough for you, because that depends on your health, your bookings and what you carry. Compare the figures plan by plan on the travel quote page.
Are COVID-19 and my pre-existing condition covered?
COVID-19 usually is. Pre-existing conditions usually are not. Most plans now include COVID-19 cover for medical bills and cancellation. Prices on this site include it unless you choose "Not needed" in the filters.
Pre-existing medical conditions are usually excluded unless you declare them and the insurer accepts them. A few plans do cover them, mostly on shorter single trips. A seven-day Taiwan trip is the kind of short trip where you may find some. Use the filter on the results page to show only those plans.
This one really depends on you. What counts as pre-existing, and whether it is accepted, comes down to your condition and the insurer's own assessment. Declare honestly when you apply, since an undeclared condition can affect a claim.
Does a longer trip or travelling with family change the price?
Yes, both do. Single-trip prices rise with the number of days. A long weekend costs less to insure than a week, and a week less than two.
You can see this in today's other examples. One week in Thailand for one adult runs from S$17.80 to S$289.28 across 22 insurers. Two weeks in Japan runs from S$32.40 to S$517.99. Those are different destinations as well as different lengths, so treat them as a rough feel, not a formula. See the Thailand week and Japan fortnight pages for what each assumes.
Who travels matters too. Insurers charge less for children and more for older travellers. Some stop covering travellers above 75, 80 or 85. A family plan covering two adults and their children usually costs less than separate plans. For couples, families and groups, the site prices plans from the insurers that offer a family or group plan.
If your trip is long, check the plan's maximum. Most insurers here cover a single trip of up to 90 or 182 days.
Single trip or annual cover for Taiwan?
It depends on how much you travel in a year. If you are away more than about three weeks a year in total, an annual multi-trip plan usually costs less than buying single-trip cover each time.
Annual cover covers every trip you take in a year, each up to a set length, often 90 days. Instead of countries, you pick a region: ASEAN, Asia Pacific or worldwide. Pick the region that covers the furthest place you expect to go, and check that it includes Taiwan.
Today, a year of trips in Asia for one adult is priced by 22 insurers from S$165.60 to S$985.00. The details are on the annual Asia price page. To decide, count your likely travel days for the next 12 months, including that Johor Bahru weekend or work trip.
When should I buy, and what happens if I need to claim?
Buy as soon as you book. Trip cancellation cover starts the day you buy. A plan bought early can pay out if you fall ill or a family member dies before you leave. A plan bought the night before your flight from Changi gives you none of that time.
When you pick a plan here, you finish buying on the insurer's own site. The insurer collects payment and issues the policy, so any claim goes to that insurer. Keep receipts and documents from your trip. Our claims page walks through how claims generally work.
What to do next
- Open the Taiwan price page to see today's spread and what the example assumes.
- Get a quote on the travel quote page with your real dates and travellers, then use the COVID-19 and pre-existing condition filters.
- Compare two insurers side by side, and read the policy wording on the insurer's site before you pay.