Does the Revolut Standard plan include travel insurance?

No. The Revolut Standard plan is the free tier, and it includes no travel insurance at all. Charging a flight or hotel to it does not switch on medical, cancellation or baggage cover, because the Standard plan has no insurance certificate attached. Travel cover on Revolut is a paid feature that only comes with the higher plans, Premium, Metal and Ultra, underwritten by Tokio Marine. If you stay on the free Standard plan and want protection for an overseas trip, you either pay to upgrade or take a standalone Singapore travel policy. Do not assume the free plan covers you the way a card with a complimentary certificate might, because it does not.

Which Revolut plans include travel cover?

Travel cover on Revolut sits behind the paid plans: Premium, Metal and Ultra. Those tiers include travel medical and travel delay benefits underwritten by Tokio Marine, the insurer, and the free Standard plan gets none of it. The cover is also limited: it generally applies only to trips you paid for with your Revolut account, and each tier caps the maximum trip length, for example around 30 days per trip on Metal and up to 90 days per trip on Ultra. Benefit limits, excesses and exclusions apply, so the paid cover is narrower than a full standalone travel policy. Always read the policy wording for the plan you hold before you rely on it, and check whether pre-existing conditions and your destination are covered.

Should I upgrade my Revolut plan or buy standalone travel insurance?

Compare them on cover, not just on the monthly fee. Upgrading from the free Standard plan to Premium, Metal or Ultra adds Tokio Marine travel cover, but that cover is limited: it usually applies only to trips charged to Revolut, caps the trip length, and comes with benefit limits and exclusions. A standalone Singapore travel policy, from about S$20 for a single trip, is bought for the specific trip and typically covers overseas medical treatment, trip cancellation, baggage and COVID-19 in one place. For one big overseas holiday, a standalone policy is often the safer and simpler choice. If you travel very often, price the annual cost of a paid Revolut plan against an annual multi-trip travel policy before deciding, and check the fine print of each.

Does the Revolut Standard plan cover COVID-19 overseas?

No. The free Revolut Standard plan has no travel insurance, so it covers nothing related to COVID-19 overseas: not medical treatment, not quarantine costs, not a trip you cancel because you test positive. There is no certificate to read and no benefit to activate on the Standard plan, because it is a spending account rather than an insurance product. If COVID-19 cover matters for your trip, you need a policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, and the paid Revolut plans may cover some COVID-19 costs too, so check the wording. On the free Standard plan by itself, you have no COVID-19 protection whatsoever.

Does the Revolut Standard plan include phone insurance?

No. The free Revolut Standard plan does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen after you paid with the card, the repair or replacement is entirely your cost, and a flagship phone runs S$1,200 to S$2,300 to replace. The Standard plan is a spending account, so it has no shopping-protection benefits built in. Paying for a higher Revolut plan adds travel-related perks, not phone or purchase cover on your everyday shopping. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection.

Is the Revolut Standard plan enough for an overseas trip?

For spending, it works well; for protection, no. The free Revolut Standard plan is a handy travel companion at the checkout, with fair exchange rates and no monthly fee, which is why many Singapore travellers carry it. What it does not do is insure the trip: it includes no overseas medical cover, no trip cancellation and no baggage benefit. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the free plan pays nothing toward those costs, and MediShield Life, the national health scheme, does not cover you outside Singapore. The sensible setup is to use the Standard plan for payments and pair it with a standalone travel policy, from about S$20 a trip, that covers medical, cancellation and baggage. Bring the card for the spending, and bring insurance for the risks.

Does the Revolut Standard plan include any travel insurance in Singapore?

Revolut·SGD 0/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 10, 20268 min read

0,0/5Independent review · verified September 2026

Travel Insurance

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Revolut Standard

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Book a trip on the free Revolut Standard plan and no travel insurance switches on, because the Standard tier includes none at all. Travel medical and travel delay cover only appear once you pay for a higher plan: Premium, Metal or Ultra, all underwritten by Tokio Marine, and even then the cover is limited to trips you charge to Revolut. Stay on the free Standard plan and you travel with nothing from the card, which leaves you exposed on the costs that matter most. A serious overseas hospital admission can pass S$100,000, and MediShield Life, the national health scheme, pays nothing outside Singapore, so a bad admission in the US or Europe lands entirely on you. The Standard plan does not fill that gap, and neither do the app's spending tools. A standalone Singapore travel policy does, from about S$20 a trip, covering medical treatment, trip cancellation and lost baggage the free plan leaves out.

Where travel breaks down

No travel insurance on the free plan: the Revolut Standard plan includes no travel medical, cancellation or delay cover at all
Travel cover only starts if you pay for Premium, Metal or Ultra, where Tokio Marine underwrites a limited benefit tied to trips charged to Revolut
No overseas medical or evacuation cover on the Standard plan: a serious hospital bill abroad, which MediShield Life does not cover, is entirely on you

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 14 guarantees

What does Revolut Standard Travel Insurance actually cover?

No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.

What's not covered

Personal accident is not a benefit of this card

No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.

What's not covered

Overseas medical treatment is not a benefit of this card
Pre-existing conditions and pregnancy excluded

No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.

What's not covered

Emergency medical evacuation is not a benefit of this card

No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.

What's not covered

Overseas emergency dental is not a benefit of this card

No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.

What's not covered

Overseas hospital daily cash is not a benefit of this card

No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.

What's not covered

Trip cancellation is not a benefit of this card

No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.

What's not covered

Trip curtailment is not a benefit of this card

No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.

What's not covered

Travel disruption is not a benefit of this card

No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

What's not covered

Travel delay is not a benefit of this card

No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.

What's not covered

Missed connection is not a benefit of this card

No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.

What's not covered

Baggage loss is not a benefit of this card

No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

What's not covered

Baggage delay is not a benefit of this card

No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.

What's not covered

Loss of travel documents is not a benefit of this card

No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.

What's not covered

Personal liability overseas is not a benefit of this card

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Revolut Standard wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Accidental death: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

StandardThis card0.0/5?

SGD 0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 215 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Revolut Standard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Standard shoppers also consider.

Card	This card Standard Revolut · SGD 0/yr 0.0/5?	Metal Revolut · SGD 264/yr 1.6/5?	Revolution HSBC · SGD 0/yr 1.5/5?	ULTIMA Citibank · SGD 4,199/yr 2.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	Not covered	S$2,000 per person Capped S$2,000	S$10,125 per person Up to S$10,125
Emergency medical Hospital bills abroad	Not covered Cover this gap →	S$200,000 S$200,000 medical	Not covered	S$675,000 S$675,000 overseas medical
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Actual cost Up to actual cost	S$1,000,000 Up to S$1,000,000	S$675,000 S$675,000 evacuation
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	Not covered	8h / S$500 Trigger: 8 hours	4h / S$675 Trigger: 4 hours
Trip interruption Covered amount	Not covered Cover this gap →	Not covered	Not covered	Not covered

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the Revolut Standard

User experience with the plan 3 reviews

SY (Seedly, Standard plan)

Competitive rates, watch the weekend fee

Rates were pretty competitive, though sometimes youtrip offers better rates. Note that there is 1% service charge on weekends though.

Song Ariel (Seedly, Standard plan)

Best rate of the three I compared

Revolut gave the best rate, followed by Trust and then Amaze. However, do note that Revolut charges an additional fee of 1% on weekends.

Anita Han (Seedly, Standard plan)

Learning and earning in the app

Did you know you can learn about crypto and earn actual money from it on the app?

What to do if you need travel cover with the Revolut Standard plan

Step 1: Buy a standalone travel policy before you fly

Because the plan includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.

Step 2: Keep your policy and emergency number with you

Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.

Step 3: Escalate to FIDReC for a card-issuer dispute

For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.

No. The Revolut Standard plan is the free tier, and it includes no travel insurance at all. Charging a flight or hotel to it does not switch on medical, cancellation or baggage cover, because the Standard plan has no insurance certificate attached. Travel cover on Revolut is a paid feature that only comes with the higher plans, Premium, Metal and Ultra, underwritten by Tokio Marine. If you stay on the free Standard plan and want protection for an overseas trip, you either pay to upgrade or take a standalone Singapore travel policy. Do not assume the free plan covers you the way a card with a complimentary certificate might, because it does not.
Travel cover on Revolut sits behind the paid plans: Premium, Metal and Ultra. Those tiers include travel medical and travel delay benefits underwritten by Tokio Marine, the insurer, and the free Standard plan gets none of it. The cover is also limited: it generally applies only to trips you paid for with your Revolut account, and each tier caps the maximum trip length, for example around 30 days per trip on Metal and up to 90 days per trip on Ultra. Benefit limits, excesses and exclusions apply, so the paid cover is narrower than a full standalone travel policy. Always read the policy wording for the plan you hold before you rely on it, and check whether pre-existing conditions and your destination are covered.
Compare them on cover, not just on the monthly fee. Upgrading from the free Standard plan to Premium, Metal or Ultra adds Tokio Marine travel cover, but that cover is limited: it usually applies only to trips charged to Revolut, caps the trip length, and comes with benefit limits and exclusions. A standalone Singapore travel policy, from about S$20 for a single trip, is bought for the specific trip and typically covers overseas medical treatment, trip cancellation, baggage and COVID-19 in one place. For one big overseas holiday, a standalone policy is often the safer and simpler choice. If you travel very often, price the annual cost of a paid Revolut plan against an annual multi-trip travel policy before deciding, and check the fine print of each.
No. The free Revolut Standard plan has no travel insurance, so it covers nothing related to COVID-19 overseas: not medical treatment, not quarantine costs, not a trip you cancel because you test positive. There is no certificate to read and no benefit to activate on the Standard plan, because it is a spending account rather than an insurance product. If COVID-19 cover matters for your trip, you need a policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, and the paid Revolut plans may cover some COVID-19 costs too, so check the wording. On the free Standard plan by itself, you have no COVID-19 protection whatsoever.
No. The free Revolut Standard plan does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen after you paid with the card, the repair or replacement is entirely your cost, and a flagship phone runs S$1,200 to S$2,300 to replace. The Standard plan is a spending account, so it has no shopping-protection benefits built in. Paying for a higher Revolut plan adds travel-related perks, not phone or purchase cover on your everyday shopping. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection.
For spending, it works well; for protection, no. The free Revolut Standard plan is a handy travel companion at the checkout, with fair exchange rates and no monthly fee, which is why many Singapore travellers carry it. What it does not do is insure the trip: it includes no overseas medical cover, no trip cancellation and no baggage benefit. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the free plan pays nothing toward those costs, and MediShield Life, the national health scheme, does not cover you outside Singapore. The sensible setup is to use the Standard plan for payments and pair it with a standalone travel policy, from about S$20 a trip, that covers medical, cancellation and baggage. Bring the card for the spending, and bring insurance for the risks.