# Travel insurance: Five days in Laos, one adult

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- One adult aged 18 to 59
- 5 days in Laos, leaving in 30 days
- Single trip, no cruise

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| MSIG | TravelEasy Lite | S$14.60 | S$100.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry | S$16.42 | S$0.00 | 15 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry with COVID-19 add-on | S$17.55 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Flex Standard Flex | S$19.00 | S$0.00 | 11 Oct 2026 |
| Allianz Travel | Allianz Travel Basic | S$19.20 | S$0.00 | 16 Oct 2026 |
| Sompo | Essential | S$19.80 | S$0.00 | 9 Oct 2026 |
| HL Assurance | Travel Assured Plus Basic (no COVID-19 cover) | S$20.00 | S$0.00 | 21 Oct 2026 |
| MSIG | TravelEasy Standard | S$20.80 | S$0.00 | 11 Oct 2026 |
| Allianz Travel | Allianz Travel Silver | S$21.20 | S$0.00 | 16 Oct 2026 |
| ERGO | ERGO TravelProtect Essential | S$22.41 | S$0.00 | 24 Oct 2026 |
| MSIG | TravelEasy Flex Elite Flex | S$23.00 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy | S$25.42 | S$0.00 | 15 Oct 2026 |
| Sompo | Superior | S$25.80 | S$0.00 | 9 Oct 2026 |
| HL Assurance | Travel Assured Plus Silver | S$26.80 | S$0.00 | 21 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy with COVID-19 add-on | S$27.00 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Classic | S$28.34 (estimate) | S$0.00 | 17 Oct 2026 |
| ERGO | ERGO TravelProtect Standard | S$28.73 | S$0.00 | 24 Oct 2026 |
| MSIG | TravelEasy Flex Premier Flex | S$28.80 | S$0.00 | 11 Oct 2026 |
| MSIG | TravelEasy Elite | S$30.00 | S$0.00 | 11 Oct 2026 |
| Zurich | Travel Guard Direct Basic | S$30.00 | S$0.00 | 19 Oct 2026 |
| FWD | Premium | S$31.72 | S$0.00 | 15 Oct 2026 |
| EQ Insurance | EQ TravelSafe Basic | S$35.00 | S$0.00 | 19 Oct 2026 |
| HL Assurance | Travel Assured Plus Gold | S$35.20 | S$0.00 | 21 Oct 2026 |
| FWD | Premium with COVID-19 extension | S$35.47 | S$0.00 | 15 Oct 2026 |
| Liberty | TourCare Plus Standard | S$35.50 | S$0.00 | 19 Oct 2026 |
| ERGO | ERGO TravelProtect Deluxe | S$36.72 | S$0.00 | 24 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury | S$36.90 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Elite | S$38.15 (estimate) | S$0.00 | 17 Oct 2026 |
| QBE | Travel Prestige Standard Plus | S$38.40 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury with COVID-19 add-on | S$39.15 | S$0.00 | 15 Oct 2026 |
| Great Eastern | Basic | S$40.00 | S$0.00 | 17 Oct 2026 |
| Allianz Travel | Allianz Travel Platinum | S$40.80 | S$0.00 | 16 Oct 2026 |
| China Taiping | Lite | S$41.00 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Premier | S$41.80 | S$0.00 | 11 Oct 2026 |
| FWD | Business | S$42.40 | S$0.00 | 15 Oct 2026 |
| Chubb | Economy | S$43.00 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Standard | S$44.00 | S$0.00 | 10 Oct 2026 |
| EQ Insurance | EQ TravelSafe Executive | S$45.00 | S$0.00 | 19 Oct 2026 |
| HL Assurance | Travel Assured Plus Platinum | S$45.20 | S$0.00 | 21 Oct 2026 |
| FWD | Business with COVID-19 extension | S$46.15 | S$0.00 | 15 Oct 2026 |
| Starr | TraveLead Bronze | S$46.33 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Lite | S$47.54 | S$0.00 | 8 Oct 2026 |
| China Taiping | Economy | S$48.00 | S$0.00 | 15 Oct 2026 |
| UOI | UniTravel Value | S$49.00 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Entry | S$49.27 | S$0.00 | 15 Oct 2026 |
| FWD | First | S$51.79 | S$0.00 | 15 Oct 2026 |
| Zurich | Travel Guard Direct Enhanced | S$53.00 | S$0.00 | 19 Oct 2026 |
| QBE | Travel Prestige Super Plus | S$54.00 | S$0.00 | 19 Oct 2026 |
| Allianz | Travel Protect Silver | S$54.36 | S$0.00 | 12 Oct 2026 |
| Singlife | Travel Lite with COVID-19 add-on | S$54.51 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic | S$55.00 | S$0.00 | 10 Oct 2026 |
| FWD | First with COVID-19 extension | S$55.54 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Ultimate | S$55.59 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Business | S$58.00 | S$0.00 | 15 Oct 2026 |
| EQ Insurance | EQ TravelSafe Ultimate | S$58.00 | S$0.00 | 19 Oct 2026 |
| Income | Classic | S$59.60 | S$0.00 | 19 Oct 2026 |
| Starr | TraveLead Silver | S$61.78 | S$0.00 | 19 Oct 2026 |
| UOI | UniTravel Plus | S$63.00 | S$0.00 | 19 Oct 2026 |
| Chubb | Business | S$63.50 | S$0.00 | 19 Oct 2026 |
| Liberty | TourCare Plus Supreme | S$64.50 | S$0.00 | 19 Oct 2026 |
| Great Eastern | Gold | S$65.00 | S$0.00 | 17 Oct 2026 |
| Zurich | Travel Guard Direct Supreme | S$67.00 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Standard | S$69.00 | S$0.00 | 11 Oct 2026 |
| India International | i-Journey Classic | S$69.76 | S$0.00 | 19 Oct 2026 |
| China Taiping | First | S$72.00 | S$0.00 | 15 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier | S$72.00 | S$0.00 | 10 Oct 2026 |
| Singlife | Travel Plus | S$72.35 | S$0.00 | 8 Oct 2026 |
| Income | Deluxe | S$72.54 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Savvy | S$76.27 | S$0.00 | 15 Oct 2026 |
| Allianz | Travel Protect Gold | S$77.44 | S$0.00 | 12 Oct 2026 |
| Starr | TraveLead Gold | S$78.94 | S$0.00 | 19 Oct 2026 |
| Income | Enhanced PreX Basic | S$80.90 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Plus with COVID-19 add-on | S$81.93 | S$0.00 | 8 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Elite | S$84.50 | S$0.00 | 11 Oct 2026 |
| India International | i-Journey Executive | S$85.02 | S$0.00 | 19 Oct 2026 |
| UOI | UniTravel Pro | S$87.00 | S$0.00 | 19 Oct 2026 |
| Great Eastern | Platinum | S$88.00 | S$0.00 | 17 Oct 2026 |
| Income | Preferred | S$93.72 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Prestige | S$101.54 | S$0.00 | 8 Oct 2026 |
| Income | Enhanced PreX Superior | S$103.42 | S$0.00 | 19 Oct 2026 |
| Chubb | First | S$105.50 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Luxury | S$110.70 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Premier | S$112.00 | S$0.00 | 11 Oct 2026 |
| Singlife | Travel Prestige with COVID-19 add-on | S$113.13 | S$0.00 | 8 Oct 2026 |
| Allianz | Travel Protect Platinum | S$113.80 | S$0.00 | 12 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic with Pre-Existing Medical Condition cover | S$119.00 | S$0.00 | 10 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on | S$120.80 | S$0.00 | 8 Oct 2026 |
| Income | Enhanced PreX Prestige | S$120.83 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$127.77 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier with Pre-Existing Medical Condition cover | S$156.00 | S$0.00 | 10 Oct 2026 |
| China Taiping | Business with Pre-Existing Medical Conditions cover | S$174.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on | S$201.07 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$210.65 | S$0.00 | 8 Oct 2026 |
| China Taiping | First with Pre-Existing Medical Conditions cover | S$216.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on | S$232.93 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$244.52 | S$0.00 | 8 Oct 2026 |

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.

## Travel insurance for Laos in short

- Cheapest today: MSIG TravelEasy Lite, S$14.60.
- Most insurers price by region: Laos is in their ASEAN (South East Asia) band.
- Overseas medical cover on each insurer's cheapest plan runs from S$10,000 to S$350,000.

## How the price changes

| Trip | Lowest price | Insurers |
| --- | --- | --- |
| [3 days, one adult](https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-11-29&adults=1&children=0) | S$11.40 | 22 |
| [7 days, one adult](https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-12-03&adults=1&children=0) | S$17.80 | 22 |
| [14 days, one adult](https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-12-10&adults=1&children=0) | S$25.87 | 22 |
| [5 days, a couple](https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=2&children=0) | S$29.20 | 22 |
| [5 days, two adults and two children](https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=2&children=2) | S$33.40 | 22 |
| A year of trips, ASEAN (South East Asia) | S$134.40 | |

## Insurers that exclude Laos

No insurer we compare names Laos in its exclusions.

## Travel notes for Laos

- Emergency numbers: Police 1191, fire 1190 or +856 20 212 707, ambulance (Vientiane Capital) 1195. Tourist police: Vientiane +856 21 251 128, Luang Prabang +856 71 254 568. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/lao-peoples-democratic-republic/)
- Singapore's mission: Embassy of the Republic of Singapore, Thadeua Road Km3, Sisattanak District, Vientiane. Tel +856 21 353 939; after-hours emergency +856 20 5559 9059. MFA Duty Office (24-hour): +65 6379 8800 or +65 6379 8855. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/lao-peoples-democratic-republic/)
- Medical treatment for visitors: Medical care is uneven in Laos, even in Vientiane and Luang Prabang, and evacuation from remote areas can be slow. MFA says travellers should have travel, medical and accident insurance that covers emergency evacuation to a third country. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/lao-peoples-democratic-republic/)
- Weather to plan around: The rainy season runs from May to November, with landslides in mountain areas and floods in parts of Laos. Landslides or flash floods can block roads and bridges, so MFA advises against long road journeys in the rainy season. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/lao-peoples-democratic-republic/)

Checked against each source on 2026-10-19.

## Before you go

- MFA's travel advice and visa information: https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/lao-peoples-democratic-republic/
- 14 of the 22 insurers exclude claims from a trip made against official travel advice.
- MFA's e-Register: https://eregister.mfa.gov.sg/

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/travel?countries=LA&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=1&children=0

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/travel/laos