Does the Wise Card come with travel insurance?

No. The Wise Card is a multi-currency prepaid debit Mastercard, and it comes with no complimentary travel insurance at all. Charging a flight or a hotel to it does not switch on medical, cancellation or baggage cover, because there is no insurance certificate attached to the card. Wise is built to hold and spend in many currencies at a fair exchange rate, not to insure your trip. If you want protection for an overseas trip, you take a standalone Singapore travel policy separately. Do not assume the card covers you the way a credit card with a complimentary certificate might, because it does not.

What travel protection does the Wise Card offer?

On the card itself, none. The Wise Card is built to spend overseas at the mid-market exchange rate with a low, upfront conversion fee, not to insure your trip. It carries no overseas medical cover, no emergency evacuation, no trip cancellation, no travel delay benefit and no baggage cover. The one thing it does help with is card security: you can freeze the card instantly in the app and reach Wise support if you spot a suspicious transaction. That is fraud control, not travel insurance. For hospital bills, cancelled flights or lost bags, you need a standalone travel policy. Treat the card as a payment tool and arrange the cover elsewhere.

Do I need separate travel insurance with the Wise Card?

Yes, almost certainly. Because the Wise Card includes no travel insurance of its own, an overseas trip on this card alone leaves you exposed to the big costs. MediShield Life, the national health scheme, does not cover you outside Singapore, and one serious hospital admission abroad can run past S$100,000, with an air ambulance home from the region costing S$50,000 to S$120,000. A standalone Singapore travel policy fills those gaps from about S$20 for a single trip, and usually covers medical treatment, trip cancellation, baggage and COVID-19 too. Buy the policy before you fly, and keep the Wise Card for the cheap spending it does well.

Does the Wise Card cover COVID-19 overseas?

No. The Wise Card 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, because the card is a prepaid payment card rather than an insurance product. If COVID-19 cover matters for your trip, you need a separate policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, so check the wording before you buy. The card by itself gives you no COVID-19 protection whatsoever.

Does the Wise Card include mobile phone insurance?

No. The Wise Card 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. This is a prepaid spending card, so it has no shopping-protection benefits built in. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection. Do not count on the Wise Card to step in if your phone is damaged or lost.

Is the Wise Card enough for an overseas trip?

For spending, yes; for protection, no. The Wise Card is a strong travel companion at the checkout: no annual fee, a low conversion fee, and the mid-market exchange rate across many currencies, which is why many Singapore travellers carry it. What it does not do is insure the trip. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the card pays nothing toward those costs. The sensible setup is to use the Wise Card 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 savings, and bring insurance for the risks.

What does the Wise Card actually cover for travel insurance overseas?

Wise·SGD 0/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 17, 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 Wise Wise Card

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

Book a flight on the Wise Card and nothing insurance-related switches on. The Wise Card is a multi-currency prepaid debit Mastercard built for cheap foreign-exchange spending, not an insurance product, so it carries no complimentary travel cover. Charge a hotel or a flight to it and no medical, cancellation or baggage protection activates. 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. An air ambulance home from Bali or Bangkok runs S$50,000 to S$120,000 on top of that. A standalone Singapore travel policy fills the gap from about S$20 a trip, covering the medical bills, cancellations and lost bags the card leaves out.

Where travel breaks down

No complimentary travel insurance: the card is a prepaid debit Mastercard, so charging a flight to it activates no medical, cancellation or baggage cover
No overseas medical or evacuation cover: a serious hospital bill abroad, which MediShield Life does not cover, is entirely on you
Nothing to claim on the card: there is no certificate or benefit table, so a standalone travel policy is the only real protection

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 Wise Wise Card 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 Wise Wise Card 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

Wise CardThis 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 Wise Wise Card stacks up against the alternatives

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

Card	This card Wise Card Wise · SGD 0/yr 0.0/5?	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 →	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 →	Not covered	S$675,000 S$675,000 overseas medical
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	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 →	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

StrongLimited / misleadingNot covered

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

Cardholder reviews

What cardholders say about the Wise Wise Card

Cardholder experience with the card 3 reviews

Jie Sheng (Jonah) (Seedly)

No ATM fee overseas

The application was smooth on the app, was able to withdraw from overseas ATMs for no extra fee during my trip.

May L (Seedly)

Fast currency conversion

It is very easy to convert from one currency to another and the transfer through PayNow into the account is very fast and is within 10 minutes!

Jamie N. (Seedly)

Prompt withdrawals and instant alerts

Getting out my funds has been prompt and without hassles. Email and push notifications are also instant.

What to do if you need travel cover with the Wise Card

Step 1: Buy a standalone travel policy before you fly

Because the card 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 Wise Card is a multi-currency prepaid debit Mastercard, and it comes with no complimentary travel insurance at all. Charging a flight or a hotel to it does not switch on medical, cancellation or baggage cover, because there is no insurance certificate attached to the card. Wise is built to hold and spend in many currencies at a fair exchange rate, not to insure your trip. If you want protection for an overseas trip, you take a standalone Singapore travel policy separately. Do not assume the card covers you the way a credit card with a complimentary certificate might, because it does not.
On the card itself, none. The Wise Card is built to spend overseas at the mid-market exchange rate with a low, upfront conversion fee, not to insure your trip. It carries no overseas medical cover, no emergency evacuation, no trip cancellation, no travel delay benefit and no baggage cover. The one thing it does help with is card security: you can freeze the card instantly in the app and reach Wise support if you spot a suspicious transaction. That is fraud control, not travel insurance. For hospital bills, cancelled flights or lost bags, you need a standalone travel policy. Treat the card as a payment tool and arrange the cover elsewhere.
Yes, almost certainly. Because the Wise Card includes no travel insurance of its own, an overseas trip on this card alone leaves you exposed to the big costs. MediShield Life, the national health scheme, does not cover you outside Singapore, and one serious hospital admission abroad can run past S$100,000, with an air ambulance home from the region costing S$50,000 to S$120,000. A standalone Singapore travel policy fills those gaps from about S$20 for a single trip, and usually covers medical treatment, trip cancellation, baggage and COVID-19 too. Buy the policy before you fly, and keep the Wise Card for the cheap spending it does well.
No. The Wise Card 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, because the card is a prepaid payment card rather than an insurance product. If COVID-19 cover matters for your trip, you need a separate policy that names it. Many standalone Singapore travel policies now include COVID-19 medical treatment and trip cancellation, so check the wording before you buy. The card by itself gives you no COVID-19 protection whatsoever.
No. The Wise Card 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. This is a prepaid spending card, so it has no shopping-protection benefits built in. For device cover you would need a separate gadget or mobile insurance policy, or a card that specifically offers phone protection. Do not count on the Wise Card to step in if your phone is damaged or lost.
For spending, yes; for protection, no. The Wise Card is a strong travel companion at the checkout: no annual fee, a low conversion fee, and the mid-market exchange rate across many currencies, which is why many Singapore travellers carry it. What it does not do is insure the trip. If a flight is cancelled, a bag goes missing, or you land in a foreign hospital, the card pays nothing toward those costs. The sensible setup is to use the Wise Card 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 savings, and bring insurance for the risks.