Best Travel Insurance for Families & Groups 2018

Family vacations should be stress-free and making sure you and your loved ones are well-protected can offer invaluable peace of mind. After analysing 27 insurers and over 80 individual plans, we made it easy for you to compare and buy some of the top travel insurance plans for family or group travel.

Travel Insurance
{"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis.","version":"sidebar"}

Cheapest Family Travel Insurance for ASEAN and Asia Destinations

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Image\" data-eventlabel=\"Allianz Global Assistance - Family\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Button\" data-eventlabel=\"Allianz Global Assistance - Family\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Single\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you want to save on family travel insurance, Allianz Global Assistance, Etiqa, Budget Direct, Direct Asia and FWD offer some of the cheapest travel insurance plans available. With all four basic plans being up to 60% below the industry average for family travel insurance premiums, you can expect to pay between S$33-S$50 for a 1 week trip to the ASEAN region with these insurers.

This graph shows the cheapest 1 week travel insurance plans for families with 1 one child in Singapore travelling to the ASEAN region

Budget Direct has some of the cheapest plans on the market due to its prioritisation of price over benefits. For example, it doesn't offer any travel inconvenience coverage although it does provide basic coverage for you and your children's belongings. If you are looking for a plan focused on trip cancellations and baggage delays, Allianz Global's Bronze plan is one of the best value plans with above average trip inconvenience coverage totalling S$20,000. Additionally, even though Etiqa's Basic plan is the cheapest family plan, it also provides decent medical and trip inconvenience coverage, and leniency when it comes to what they exclude from its coverage.

If you want comprehensive medical coverage for your children, Direct Asia 150 or 200 plans offer S$150,000-S$200,000 of medical coverage per child or adult for premiums that are around 50% below average. FWD's Premium family plan is also one of the cheapest options for Asia, costing S$53 and provides coverage for things like sports, pet care and terrorism.

Promotion Codes

  • Allianz: 50% off with "vp50off"
  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • HLAS: 55% off Single Trip + Free Wi-Fi and Attractions Voucher Up to S$30 (Enhanced/Superior Plans); 40% off Annual Plans + Free Wi-Fi and Attractions Voucher Up to S$30

Cheapest Global Travel Insurance for Families

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Image\" data-eventlabel=\"Hong Leong Group\" target=\"_blank\" title=\"Hong Leong Group\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.hlas.com.sg%2Fhlasredirect.aspx%3Freferral%3DVPI%26subagentcode%3D%26type%3DTravel\"\u003E\u003Cimg alt=\"Hong Leong Group\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Button\" data-eventlabel=\"Hong Leong Group\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect?link=https%3A%2F%2Fwww.hlas.com.sg%2Fhlasredirect.aspx%3Freferral%3DVPI%26subagentcode%3D%26type%3DTravel\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Image\" data-eventlabel=\"Allianz Global Assistance - Family\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Button\" data-eventlabel=\"Allianz Global Assistance - Family\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"HyfeAssure\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hyfeassure-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hyfeassure-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hyfeassure-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

For families who casually vacation to countries worldwide (outside of Asia), Etiqa Basic, HL Assurance and Hyfe Assure offer the cheapest travel insurance plans. As the cheapest, Etiqa Basic costs around S$47 for a 1-week global trip (70% cheaper than the family basic plan average); HL Assurance and Hyfe Assure both cost around $71-S$72. While their price gives them a good value, all three plans offer modest coverage and may not be a good fit for those looking for comprehensive policies. You can expect Etiqa to be the most lenient out of the three plans, as it covers extreme sports and terrorism.

Promotion Codes

  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • HLAS: 55% off Single Trip + Free Wi-Fi and Attractions Voucher Up to S$30 (Enhanced/Superior Plans); 40% off Annual Plans + Free Wi-Fi and Attractions Voucher Up to S$30

Summary of Cheapest Travel Insurance Plans for Families

Etiqa BasicHL Assurance BasicBudget Direct BasicFWD PremiumAllianz Global BronzeWise TravellerBasic Family Plan Avg.
1-Week ASEAN PremiumS$32.88S$49.50S$45S$49.46S$40.50N/AS$77.50
1-Week Asia PremiumS$35.87S$54.45S$56.26S$78.20S$53.13S$58.50S$89.32
1-Week Global PremiumS$46.86S$71.10S$78.20S$76.94S$92N/AS$149.36
Annual Global PremiumS$459.55S$460.60$368S$520.29N/AS$378S$563.06
1-Week ASEAN Value Ratio1.070.820.141.801.76N/A0.79
Medical CoverageS$200,000S$160,000S$50,000S$200,000S$400,000S$312,000S$542,296
Trip Inconvenience CoverageS$7,500S$10,000S$900S$26,750S$19,900S$17,500S$13,631
Personal Accident CoverageS$200,000S$200,000S$50,000S$200,000S$35,000S$208,000$201,653

Best Value Travel Insurance for Families

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Image\" data-eventlabel=\"Allianz Global Assistance - Family\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Button\" data-eventlabel=\"Allianz Global Assistance - Family\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" target=\"_blank\" title=\"Aviva\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"DBS\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

The Allianz Global Assistance Silver, Aviva, DBS Premier and FWD First plans will give you the greatest value for your dollar, with above average coverage and below average premiums for 1 week or annual ASEAN trips. Allianz Global's Silver plan is a great option for those looking for a high value, comprehensive plan with above average medical and trip inconvenience coverage. FWD First's family plan is a great choice for those on a budget who want to maximise trip inconvenience coverage as it has almost triple the coverage compared to the industry average and below average prices for 1 and 2-week trips. Aviva's Prestige plan is a great value if you are planning on taking your family on longer adventure trips, as it offers great sports coverage and the highest medical and trip inconvenience coverage. DBS Premier is also a great option as it costs below the industry family plan average of S$91.75 for a 1-week ASEAN plan and is a good choice for 1 or 2 week trips, though it DBS starts to get pricey if you are looking for annual plans.

Promotion Codes

  • Allianz: 50% off with "vp50off"
  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • DBS: 40% off Single Trip
This graph shows the value of travel insurance plans for families with 1 one child in Singapore travelling to the ASEAN region

Highest Coverage Plans for Families

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Image\" data-eventlabel=\"Allianz Global Assistance - Family\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Button\" data-eventlabel=\"Allianz Global Assistance - Family\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26tot%3DFAMILY%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"MSIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/msig-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"DBS\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you are not concerned about budget and would rather have as much coverage as possible, FWD First, DBS Platinum, MSIG Premier and Allianz Assistance Gold offer some of the most comprehensive travel insurance policies on the market. If you want a lenient policy with excellent trip inconvenience coverage, FWD's First family plan has more than double the industry average trip inconvenience coverage. Even though FWD First's annual plans cost above the industry average, its 1 and 2-week rates are fairly competitive at S$90 for a 1-week ASEAN trip compared to the family plan industry average of S$101. This makes it a good choice for families who travel 1-2 times a year, but less so for families who want to save on annual plans.

For families looking for excellent medical coverage, Allianz Global's Gold plan has unlimited medical and repatriation expense coverage with up to S$400,000 of medical coverage for your insured child(ren), compensation for each day of either local or overseas hospital stays and S$50,000 of outpatient expense coverage upon your return to Singapore. We believe MSIG Premier's family plan can also be a good option for those looking to maximise medical protection as they offer 3-4x as much medical and personal accident coverage compared to the industry average. In terms of cost, Allianz is cheaper than MSIG with premiums at or below the industry average for single and annual plans (regardless of destination).

If you are looking for maximum overall protection, DBS's Platinum family plan has S$3,000,000 of medical, S$1,500,000 of personal accident and S$57,000 of trip inconvenience coverage—3-5x higher than the industry average. Not only does DBS Platinum have the highest emergency dental and trip curtailment (if you need to cut your trip short due to emergencies) coverage on the market, but it will also covers extreme sports and other outdoor activities, making it a great option if you are concerned about your family incurring sports or activity injuries. DBS Platinum also provides coverage for your pet, golfing, funeral expenses and rental vehicle excess. However, because DBS is the priciest option with a 1-week ASEAN trip costing S$85.40 and an annual ASEAN plan costing S$560, we recommend this plan only to those who are not concerned about cost.

Promotion Codes

  • Allianz: 50% off with "vp50off"
  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • DBS: 40% off Single Trip
FWD FirstDBS PlatinumMSIG PremierAllianz GoldFamily Plan Industry Avg
1-Week ASEAN PremiumS$89.77S$85.40S$98.50S$83.50S$100.86
1-Week Asia PremiumS$102.59S$109.20S$112.50S$119.39S$117.75
1-Week Global PremiumS$126.41S$135.20S$159.75S$153.50S$177.54
1-Week ASEAN Value Ratio2.373.733.072.761.04
Medical CoverageS$1,000,000S$3,000,000S$2,810,000UnlimitedS$829,882
Trip Inconvenience CoverageS$58,250S$57,000S$57,000S$42,900S$21,347
Personal Accident CoverageS$400,000S$1,500,000S$1,200,000S$100,000S$323,884

Best Travel Insurance for Pregnant Women

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Single - Image\" data-eventlabel=\"Allianz Global Assistance - Single\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Single\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Single - Button\" data-eventlabel=\"Allianz Global Assistance - Single\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Single\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-single%26p%3D818%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" target=\"_blank\" title=\"Aviva\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"AXA Insurance\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

While most travel insurers cover medical or personal accident expenses only if there is an accidental injury that causes complications with your pregnancy, these three insurers offer up to S$8,000 of pregnancy-related emergency medical expense coverage which can cover illnesses like nausea or dizziness, as well as emergency treatment related to pregnancy and childbirth. For ASEAN and Asia travellers, Allianz Global Assistance will be your best budget option, with premiums 25-30% below average for single and annual trips. Allianz also has one of the highest cancellation and baggage loss/damage benefits. For expecting mothers wanting to protect their trip itinerary, Aviva goes a step further by offering a free extension that will let you claim for trip cancellation, trip interruption (back to Singapore only) and replacement of a business traveller in the event of pregnancy-related emergency. AXA can be a good choice for global travellers, as premiums cost 20% below average for single global trips—however, its annual plans are less competitive.

One thing to note is that there are still some exclusions to coverage including first trimester pregnancies, childbirth complications, pregnancy-related mental illnesses and fertility treatments. It is important to always read the terms and conditions to see where the limits of your pregnancy coverage begins and ends to avoid ending up in an unfortunate circumstance.

Aviva PlusAXA ComprehensiveAllianz Global Silver
1-Week ASEAN PremiumS$35.67S$40.50S$25
1-Week Asia PremiumS$44.98S$40.50S$33.50
1-Week Global PremiumS$67.60S$57.37S$41.50
Personal Accident & DeathS$100,000S$500,000S$80,000
Medical CoverageS$2,000,000S$600,000S$1,000,000
Emergency Pregnancy ExpensesS$5,000S$8,000S$5,000
Trip Inconvenience (i.e. cancellation, delays, baggage loss)S$22,000S$21,000S$29,900

Cheapest Annual Travel Insurance for Families

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Image\" data-eventlabel=\"Hong Leong Group\" target=\"_blank\" title=\"Hong Leong Group\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.hlas.com.sg%2Fhlasredirect.aspx%3Freferral%3DVPI%26subagentcode%3D%26type%3DTravel\"\u003E\u003Cimg alt=\"Hong Leong Group\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/hlassurance-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Hong Leong Group - Button\" data-eventlabel=\"Hong Leong Group\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Hong Leong Group\" href=\"\/redirect?link=https%3A%2F%2Fwww.hlas.com.sg%2Fhlasredirect.aspx%3Freferral%3DVPI%26subagentcode%3D%26type%3DTravel\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Image\" data-eventlabel=\"Allianz Global Assistance - Family\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-annual%26p%3D824%26tot%3DFAMILY%26pc%3Dvp50off\"\u003E\u003Cimg alt=\"Allianz Global Assistance - Family\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/allianz-ga-1 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Allianz Global Assistance - Family - Button\" data-eventlabel=\"Allianz Global Assistance - Family\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Allianz Global Assistance - Family\" href=\"\/redirect?link=https%3A%2F%2Fwww.allianz-assistance.com.sg%2Fget-a-quote%2F%3Futm_source%3Dvp%26utm_medium%3Dcpa%26utm_campaign%3Dvp%26utm_term%3Dvp-cta-annual%26p%3D824%26tot%3DFAMILY%26pc%3Dvp50off\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you and your family travel often (more than 5-6 times per year) and you prefer to buy an annual travel insurance plan, the Allianz Global Silver, HL Assurance, Budget Direct Basic, Etiqa Basic, and FWD Premium plans are going to be your cheapest options. Compared to the industry average of S$504.88 for an annual ASEAN plan, these plans cost 30-40% cheaper than the industry average.

Allianz Global and Budget Direct both cost S$296, however, Allianz Global Silver has much more comprehensive coverage and exhibits much greater value per dollar of premium. Allianz also has quite generous medical coverage for your children and also covers you in the event your child needs to go home unsupervised. HL Assurance's Enhanced plan is the cheapest annual global plan for families on the market, 40% below average, and offers comprehensive trip inconvenience coverage.

FWD and Etiqa are great options for active families due to their flexible coverage policies, small amount of exclusions and included sports coverage. FWD can be a good fit if you care about travel inconvenience coverage, as it has higher than average coverage in that area compared to the basic plan average. If you want protection against possible terrorism, Etiqa has terrorism cover for both you and your children. If you want the cheapest annual global plan available, Wise Traveller will be your best option especially if you care about trip inconvenience coverage. However, for annual Asia or ASEAN trips, the FWD and Etiqa plans are cheaper.

Promotion Codes

  • Allianz: 50% off with "vp50off"
  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“)

Cheapest Travel Insurance for Groups

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Single\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"DBS\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/dbs-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you are travelling with a group of 4 adults or more and want to save on Group insurance, DBS, FWD, Etiqa and Direct Asia will be your cheapest options. With premiums for a 1-week ASEAN trip ranging between S$19 and S$22 per person, these plans are either discounted for groups or are already cheap enough that you can purchase the plans individually and still pay less than the industry average for group plans. DBS, Direct Asia and FWD all have group options where the discounted rate ranges from 6% for FWD, 10% for Direct Asia and 20% for DBS classic. FWD also gives you a higher discount the more people you add to your group, with 20 people costing around 14% cheaper per person.

However, DBS and Direct Asia only insure groups of up to 6, so if you are travelling with a larger group, Etiqa and FWD will insure groups of up to 10 and 20 people, respectively. Additionally, if you travel with a group of friends or colleagues frequently, Direct Asia and Budget Direct offer annual plans for groups. DBS will usually give you the highest coverage amounts and will cover extreme sports, but it is also slightly more expensive than the other plans on this list. Also, even though Direct Asia cost around the same as DBS, it has below average for trip inconvenience and medical coverage, so it is not a good option for groups who want comprehensive coverage.

Promotion Codes

  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • DBS: 40% off Single Trip

Best Family & Group Travel Insurance Promotions

Some insurers make buying a travel insurance policy even more affordable by adding generous discounts on their premiums. Below, you'll find some of the best travel insurance sales and promotions available as well as their promo code (if necessary).

Promotion Codes

  • Allianz: any45vp for 45% off
  • FWD: 20% off with "BESTTRAVEL20" +S$50 CapitaVoucher for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • HLAS: 55% off Single Trip + Free Wi-Fi and Attractions Voucher Up to S$30 (Enhanced/Superior Plans); 40% off Annual Plans + Free Wi-Fi and Attractions Voucher Up to S$30
  • DBS: 40% off Single Trip

Methodology & Considerations

To pick the best travel insurance plan for families, we collected price and benefit data of all the available plans in Singapore based on a family of 2 adults and 1 child. Every insurer approaches family travel insurance plans differently—while some offer completely different coverage amounts and separate plans, others don't differentiate individual and family plans until you get to the premiums. For the latter plans, we used their child and individual coverage to estimate the maximum coverage for two parents and one child. Since insurers may include their promotions and discounts in their pricing, all of our prices reflect the final premium after discounts are taken into consideration.

To calculate the value of each plan, we created a weighted ratio of trip inconvenience (trip cancellation, baggage loss/delay, travel delay) coverage plus medical coverage and divided it by the premium of each plan to find out the amount of coverage you'll receive per dollar of premium. This ratio helped guide our decisions to the plans that will give you the best value or will provide the best coverage. If you would like to learn more about different travel insurance plans, or you want to look at our top picks for all the travel insurance plans, you can read our guide to the best travel insurance in Singapore.

Comments and Questions