Travel insurance
How ERGO prices travel insurance
Priced online
What the figures include
The table's figures already include 9% GST.
Prices from this table are as at 24 Oct 2026, the day we last checked them against ERGO's own online quotes.
The insurer prices by its own areas (Region1, Region2, Region3). A trip is priced on the widest area of the countries you visit. Annual cover uses the area of its region. It doesn't cover trips to Afghanistan, Belarus, Congo (Democratic Republic), Iran, Iraq, Israel, Jordan, Kuwait, Lebanon, Libya, North Korea, Oman, Palestine, Qatar, Russia, Saudi Arabia, Somalia, South Sudan, Sudan, Syria, Ukraine, United Arab Emirates and Yemen, so a trip that includes one gets no price from it.
A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 4, live since 25 Oct 2026.
Plans and how each is priced
ERGO TravelProtect Essential
Offered when Trip type is Single trip; Trip length up to 182 days; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$13.03 to S$1,176.79.
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Essential (Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$200.42 |
| Region2 | S$231.93 |
| Region3 | S$454.51 |
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Essential (Family)
Offered when Trip type is Single trip; Trip length up to 182 days; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$27.36 to S$2,471.27.
Excess None
ERGO TravelProtect Essential (Family, Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$420.89 |
| Region2 | S$487.05 |
| Region3 | S$954.47 |
Excess None
ERGO TravelProtect Standard
Offered when Trip type is Single trip; Trip length up to 182 days; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$16.99 to S$1,395.27.
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Standard (Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$250.08 |
| Region2 | S$279.61 |
| Region3 | S$532.37 |
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Standard (Family)
Offered when Trip type is Single trip; Trip length up to 182 days; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$33.97 to S$3,069.59.
Excess None
ERGO TravelProtect Standard (Family, Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$500.16 |
| Region2 | S$615.15 |
| Region3 | S$1,171.22 |
Excess None
ERGO TravelProtect Deluxe
Offered when Trip type is Single trip; Trip length up to 182 days; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$22.34 to S$1,685.55.
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Deluxe (Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children up to 0; Adults up to 10; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$314.12 |
| Region2 | S$363.65 |
| Region3 | S$637.37 |
| Adults | Figure |
|---|---|
| 1 | ×1.00 |
| 2 | ×2.00 |
| 3 | ×3.00 |
| 4 | ×4.00 |
| 5 | ×5.00 |
| 6 | ×6.00 |
| 7 | ×7.00 |
| 8 | ×8.00 |
| 9 | ×9.00 |
| 10 | ×10.00 |
Excess None
ERGO TravelProtect Deluxe (Family)
Offered when Trip type is Single trip; Trip length up to 182 days; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
Base premium One figure for each of 3 areas (Region1, Region2, Region3) by 182 bands of trip length, from S$44.68 to S$3,708.21.
Excess None
ERGO TravelProtect Deluxe (Family, Annual Multi-Trip)
Offered when Trip type is Annual multi-trip; Children 1 or more; Adults up to 2; Insurer's area is Region1, Region2, Region3
| Insurer's area | Figure |
|---|---|
| Region1 | S$628.24 |
| Region2 | S$800.03 |
| Region3 | S$1,402.21 |
Excess None
Worked examples
We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Single, ASEAN (TH), 7 days, Essential (discounted)ERGO TravelProtect Essential |
|
| S$27.43 |
| Single, Asia (JP), 30 days, StandardERGO TravelProtect Standard |
|
| S$118.06 |
| Single, Worldwide (FR), 14 days, DeluxeERGO TravelProtect Deluxe |
|
| S$145.00 |
| Multiple Individuals, ASEAN (TH), 7 days, 2 adults, Standard (single x 2)ERGO TravelProtect Standard |
|
| S$71.74 |
| Multiple Individuals, Worldwide (FR), 14 days, 3 adults, Essential (single x 3)ERGO TravelProtect Essential |
|
| S$288.06 |
| Family, ASEAN (TH), 7 days, 2 adults + 1 child, Standard (flat)ERGO TravelProtect Standard (Family) |
|
| S$71.74 |
Show the other 3 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Family (parent), Worldwide (FR), 14 days, 1 adult + 2 children, Essential (flat)ERGO TravelProtect Essential (Family) |
|
| S$201.64 |
| Annual, Worldwide, DeluxeERGO TravelProtect Deluxe (Annual Multi-Trip) |
|
| S$637.37 |
| Annual Family, Worldwide, 2 adults + 1 child, Standard (flat)ERGO TravelProtect Standard (Family, Annual Multi-Trip) |
|
| S$1,171.22 |
Where the figures come from
2 files of saved quotes, data and screenshots from ERGO's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.
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