Travel insurance

How comparing travel insurance works here

Tell us where you're going, when, and who is travelling. You can choose cover for one trip, or annual cover for every trip in a year. For annual cover, you pick a region (ASEAN, Asia Pacific or worldwide) instead of countries. If you travel more than about three weeks a year, annual cover usually costs less.

We price plans from each insurer on our panel for one adult. For couples, families and groups, we price plans from the insurers that offer a family or group plan. Plans are listed from the lowest premium up, with the three benefits that differ most between them.

When you pick a plan, you finish buying on the insurer's own site. Your answers go with you, so you don't type them again. The insurer collects payment and issues the policy.

Before you choose

• Medical cover overseas matters most. Treatment in Japan, Europe or the United States can cost tens of thousands of dollars.
• Trip cancellation pays back what you can't get back if you have to cancel for a reason the policy covers, such as illness or a death in the family.
• Pre-existing conditions are usually not covered unless you declare them and the insurer accepts them.

What sets your premium

• Where you go. Insurers group countries into areas. Trips within South East Asia cost the least. Asia Pacific costs more, and worldwide cover, which includes the United States, costs the most because medical care there is so expensive.
• How long you're away. Single-trip prices rise with the number of days.
• Who is travelling. A family plan covering two adults and their children usually costs less than separate plans.
• The plan. Most insurers sell two to four levels. Higher levels pay more for medical bills, cancellation and lost bags.

Single trip or annual cover

A single-trip plan covers one journey, from the day you leave Singapore until you return. Annual cover covers every trip you take in a year, each up to a set length, often 90 days. Pick the region that covers the furthest place you expect to go. If you're away more than about three weeks a year in all, annual cover is usually the cheaper choice.

When to buy

Buy as soon as you book your trip. Trip cancellation cover starts the day you buy, so a plan bought early pays out if you fall ill or a family member dies before you leave. A plan bought the day before you fly gives you none of that time.

COVID-19 and pre-existing conditions

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. A few plans cover them, mostly on shorter single trips, and you can find them with the filter on the results page.

See prices for where you're going

We work out example prices for every country on our form, for one adult on a typical trip. Start with Japan, Europe or Australia, see the annual cover prices, or browse every destination. You can also compare two insurers side by side.