Best Travel Insurance for Singapore in 2025
- The best travel insurance for Singapore
- Current travel safety in Singapore
- Travel Insurance Requirements for the Visa to Singapore
- Why take out travel insurance for Singapore?
- What Does Travel Insurance for Singapore Cover?
- The cost of travel insurance for Singapore
- How to Pay Less for Your Travel Insurance to Singapore
- Will my current insurance cover me in Singapore?
- FAQ
Travel insurance for Singapore: key takeaways
1. Definition: Travel insurance for Singapore covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not required for US citizens but is highly recommended for financial protection abroad.
3. Healthcare cost: Healthcare is excellent but costly; a hospital night can exceed $500 for foreign visitors.
4. Price: A one-week travel insurance policy for Singapore typically costs between $30 and $60.
5. Good to know: Be aware of Singapore's strict laws; some policies may offer legal assistance coverage.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Singapore.
The best travel insurance for Singapore
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | A robust choice for trips to Singapore. - very high coverage - repatriation included - clear exclusions |
| Cap Assistance 24/24 | $1.1M | Reliable for both leisure and business. - 24/7 medical helpline - generous cancellation coverage - no deductible for emergencies |
| Tourist Card | $0.5M | Practical coverage for most travelers in Singapore. - strong core medical limits - fits short stays - emergency assistance |
| Travel Pass Monde | $0.8M | Balanced protection for all types of trips. - repatriation covered - hospitalization costs included - worldwide reach |
| Globe Partner | $0.3M | Solid option for long or short visits. - essential medical care - includes liability - simple reimbursement process |
| Globe Traveller | $0.5M | Affordable plan for moderate-risk travel. - basic medical coverage - quick claims - capped ceiling |
- very high coverage
- repatriation included
- clear exclusions
- 24/7 medical helpline
- generous cancellation coverage
- no deductible for emergencies
- strong core medical limits
- fits short stays
- emergency assistance
- repatriation covered
- hospitalization costs included
- worldwide reach
- essential medical care
- includes liability
- simple reimbursement process
- basic medical coverage
- quick claims
- capped ceiling
Current travel safety in Singapore
As of June 2025, the US Department of State classifies Singapore as a Level 1 destination, which means travelers should exercise normal precautions. No areas are currently under particular security advisory.
Here are their four main recommendations.
- Security risks: Singapore maintains one of the lowest crime rates worldwide, but petty theft or scams may still occur in crowded areas such as Marina Bay or Orchard Road. It is important to stay vigilant in busy public places.
- Health risks: Medical care is excellent, but dengue and chikungunya are present, especially after periods of heavy rain. Air pollution from regional forest fires can significantly increase between July and October.
- Legal constraints: The country enforces strict laws and severe penalties for offenses such as drug possession, vandalism, or spitting in public. Certain prescription medications legal in the US may be banned or restricted; always check regulations before travel.
- Cultural norms: Singapore is multicultural and tolerant but public behavior is closely monitored. Littering, smoking in unauthorized areas, and chewing gum are prohibited and incur high fines.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Singapore.
Travel Insurance Requirements for the Visa to Singapore
No, travel insurance is not mandatory for travelers from the United States to obtain a visa or enter Singapore for tourism or business stays up to 90 days.
However, travel insurance is strongly recommended because healthcare in Singapore is of a very high standard and often expensive for foreigners. In the event of hospitalization or emergency treatment, private hospitals and even public facilities such as Singapore General Hospital may require significant upfront payments.
According to our data, 80% of travelers purchase travel insurance before going to Singapore due to the country's costly medical care and potential out-of-pocket expenses in case of an emergency.
Why take out travel insurance for Singapore?
It is an essential financial and medical protection for anyone going to Singapore.
Healthcare costs in Singapore can be very high, especially for foreigners who often use private facilities such as Mount Elizabeth Hospital or Gleneagles Hospital in Singapore. For example, emergency care and surgical procedures can result in bills of thousands of Singapore dollars. Even public hospitals like Singapore General Hospital have significant fees for non-residents.
Travel insurance covers essential protections such as medical expenses, hospitalization, medications, ambulance transportation, and repatriation costs to the United States in case of a serious issue.
Here are some examples of healthcare costs in Singapore.
| Example of medical treatment | Cost at Mount Elizabeth Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 6,500 SGD (approx. 4,800 USD) | Up to 100% of costs, depending on plan |
| I broke my tibia (X-ray, cast, and crutch rental) | 3,800 SGD (approx. 2,800 USD) | Up to 100% of costs, depending on plan |
| I need to be repatriated | 50,000 SGD (approx. 37,000 USD) | Up to 100% of costs, depending on plan |
| I have appendicitis (consultation and surgery) | 12,000 SGD (approx. 8,800 USD) | Up to 100% of costs, depending on plan |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Does Travel Insurance for Singapore Cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers costs for treating accidents, emergencies, or sickness during your stay. We recommend choosing a reimbursement limit of at least $100,000. |
| 🚑 Medical evacuation & repatriation | Pays for transportation to the US for severe illness or accident, or return of remains. Look for a minimum coverage of $100,000 for full protection. |
| 🧳 Baggage loss or theft | Reimburses you for lost, stolen, or damaged bags and personal effects. A minimum suggested limit is $1,500 per person. |
| ✈️ Trip cancellation/interruption | Refunds prepaid, non-refundable travel costs if you are forced to cancel or cut your trip short for covered reasons such as illness or family emergency. Consider at least $3,000 per person. |
| 🚗 Rental car damage | Compensation for damages to a rented vehicle if you are planning to drive in Singapore. Look for policies offering at least $20,000 in coverage. |
| 🦠 Infectious disease coverage | Coverage for medical expenses or interruptions caused by illnesses such as dengue, COVID-19, or Chikungunya. Choose a policy that clearly includes epidemic or pandemic coverage. |
| 🕵️♂️ Personal liability | Pays legal costs or settlements if you accidentally injure someone or damage property abroad. A recommended minimum is $50,000 of coverage. |
We recommend choosing a reimbursement limit of at least $100,000.
Look for a minimum coverage of $100,000 for full protection.
A minimum suggested limit is $1,500 per person.
Consider at least $3,000 per person.
Look for policies offering at least $20,000 in coverage.
Choose a policy that clearly includes epidemic or pandemic coverage.
A recommended minimum is $50,000 of coverage.
Travel insurance from local providers or bank cards often provides limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Singapore
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18 |
| 2 weeks | 45 years old | $32 |
| 1 month | 35 years old | $41 |
| 1 month | 70 years old | $79 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is influenced by several key factors: the traveler's age, the length of your trip, your destination, the desired coverage amount, and any optional add-ons like cancellation coverage. It's important to keep these variables in mind to find the most suitable and cost-effective plan for your journey.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Singapore
Here are some suggestions to optimize the cost of your travel insurance to Singapore while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑💼 Traveler's age | Many insurers increase prices for seniors. In Singapore, age is a major factor for premium calculation. | Heymondo does not increase prices for people over 62, making it cost-effective for senior travelers. |
| 🗓️ Trip duration | Your premium climbs with every extra day. Adjust to your real travel dates in Singapore to avoid overpaying. | Only insure the period you are actually overseas to minimize unnecessary extra premiums. |
| 🏥 Level of coverage | Singapore has high standard healthcare, but medical costs can be expensive. Strong coverage is essential for peace of mind. | Select only the coverage limit you realistically need, focusing on medical and evacuation benefits. |
| 🌏 Geographical scope | Policies for multiple regions or worldwide are pricier. Singapore-only coverage can keep your premium lower. | Choose a single-trip, Singapore-specific plan if you do not plan to visit other countries. |
| 👨👩👧👦 Number of travelers | Family and group discounts are widely available, which can reduce your overall cost per person. | If traveling as a group, use a group quote to benefit from lower per-person premiums. |
| 🎒 Activities coverage | Adding adventure or sports coverage increases cost, but may be unnecessary for Singapore's urban environment. | Skip high-risk activity add-ons if your itinerary focuses on city sightseeing and routine tourism. |
| 💳 Deductible/excess | A higher deductible lowers your insurance premium but increases what you pay if you file a claim. | Select a deductible you can afford in a worst-case scenario to decrease your annual premium. |
Will my current insurance cover me in Singapore?
It is completely legitimate to wonder whether your current insurance, such as credit card protection or your public health coverage, will be sufficient for your trip to Singapore. Unfortunately, this coverage is often limited or inadequate. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Singapore? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical expenses, hospitalization, or evacuation abroad. | Travel insurance covers $100,000+ in medical care, hospital stays, and emergency evacuation. |
| Private health insurance (Aetna, UnitedHealthcare) | Yes, partly | Sometimes urgent care coverage, reimbursement after return. Excludes repatriation, trip issues. | Travel insurance includes $100,000+ for local care, plus lost luggage and trip cancellation. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Emergency medical under $10,000, no trip cancellation, limited personal liability coverage. | Travel insurance provides $100,000+ for care, and covers baggage, cancellation, and personal liability. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical fees up to $100,000, some baggage coverage. Limited trip cancellation, exclusions apply. | Travel insurance gives $5,000+ in trip cancellation, higher medical limits, and broad local support. |
Example
While visiting Singapore, Mike contracted severe dengue fever, requiring a week of intensive care. The hospital bill reached $25,000. His US health plan had a high out-of-network deductible, and his Chase Sapphire card's travel insurance didn't cover illnesses, leaving him with a shocking $22,000 bill from a mosquito bite.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the fine print carefully to avoid surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Singapore?
U.S. citizens do not need a visa for visits of up to 90 days to Singapore for tourism or business purposes. However, your passport must be valid for at least six months past your planned departure date. You must also submit the SG Arrival Card with an Electronic Health Declaration prior to arrival.
How do I purchase travel insurance for Singapore?
To buy travel insurance for Singapore, start by using the HelloSafe travel insurance comparison tool. Compare plans with attention to benefits and exclusions specific to Singapore, such as medical evacuation and baggage coverage. Purchase your preferred policy online, and your insurance certificate will be sent directly to you by email.
How much does medical treatment cost in Singapore for travelers?
Medical care in Singapore is high-quality but also expensive. Routine doctor visits can cost $70 to $100, while hospitalization or emergency care can climb to several thousand dollars per day. Without insurance, you will be expected to pay these costs out of pocket at both public and private hospitals.
Are there health risks or special considerations for U.S. travelers?
While no special vaccinations are required for entry from the U.S., mosquito-borne diseases like dengue and chikungunya are present. Between July and October, haze from regional forest fires may cause air quality to worsen. Carry prescribed medication and consult your doctor for any personal health needs before travel.
Does travel insurance for Singapore cover legal emergencies?
Standard travel insurance typically does not cover legal expenses related to criminal charges or fines, which can be severe in Singapore due to strict laws. However, some comprehensive plans may provide limited legal assistance for emergencies such as accidents. Always check the details of your policy before traveling.
What documents should I carry when visiting Singapore?
You should always have your passport on you, as Singaporean authorities may request identification at any time. Also keep a printed or digital copy of your travel insurance certificate, emergency contact details, and the SG Arrival Card submission confirmation in case you need them during your stay.
Do I need a visa to travel to Singapore?
U.S. citizens do not need a visa for visits of up to 90 days to Singapore for tourism or business purposes. However, your passport must be valid for at least six months past your planned departure date. You must also submit the SG Arrival Card with an Electronic Health Declaration prior to arrival.
How do I purchase travel insurance for Singapore?
To buy travel insurance for Singapore, start by using the HelloSafe travel insurance comparison tool. Compare plans with attention to benefits and exclusions specific to Singapore, such as medical evacuation and baggage coverage. Purchase your preferred policy online, and your insurance certificate will be sent directly to you by email.
How much does medical treatment cost in Singapore for travelers?
Medical care in Singapore is high-quality but also expensive. Routine doctor visits can cost $70 to $100, while hospitalization or emergency care can climb to several thousand dollars per day. Without insurance, you will be expected to pay these costs out of pocket at both public and private hospitals.
Are there health risks or special considerations for U.S. travelers?
While no special vaccinations are required for entry from the U.S., mosquito-borne diseases like dengue and chikungunya are present. Between July and October, haze from regional forest fires may cause air quality to worsen. Carry prescribed medication and consult your doctor for any personal health needs before travel.
Does travel insurance for Singapore cover legal emergencies?
Standard travel insurance typically does not cover legal expenses related to criminal charges or fines, which can be severe in Singapore due to strict laws. However, some comprehensive plans may provide limited legal assistance for emergencies such as accidents. Always check the details of your policy before traveling.
What documents should I carry when visiting Singapore?
You should always have your passport on you, as Singaporean authorities may request identification at any time. Also keep a printed or digital copy of your travel insurance certificate, emergency contact details, and the SG Arrival Card submission confirmation in case you need them during your stay.
