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FWD Travel Insurance

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4.3
204 reviews
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Summary

FWD Travel Insurance

FWD Travel insurance covers you for overseas medical expenses, theft of or damage to your personal belongings, baggage or travel delay and more.

FWD Travel insurance, our main travel insurance product, does not cover claims related to COVID-19. If you require cover for COVID-19, please purchase the COVID-19 Enhanced Travel Benefits add-on.

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data when you apply now (minimum premium of $60). Valid till 30 Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Product Page Transparency

- Pays to access to additional features

Travel Insurance Features & Details

1) Covid-19 Coverage

Is Covid-19 Coverage Provided

  • FWD Travel Premium Plan: Yes
  • FWD Travel Business Plan: Yes
  • FWD Travel First Plan: Yes

Trip Disruption

  • FWD Travel Premium Plan: S$1,000
  • FWD Travel Business Plan: S$1,000
  • FWD Travel First Plan: S$1,000

Trip Cancellation: Before

  • FWD Travel Premium Plan: S$1,000
  • FWD Travel Business Plan: S$1,000
  • FWD Travel First Plan: S$1,000

Medical Expenses Coverage

  • FWD Travel Premium Plan: S$100,000 
  • FWD Travel Business Plan: S$100,000 
  • FWD Travel First Plan: S$100,000 

Repatriation

  • FWD Travel Premium Plan: S$100,000 
  • FWD Travel Business Plan: S$100,000 
  • FWD Travel First Plan: S$100,000 

2) Travel Inconvenience

Travel Cancellation or Postponement

  • FWD Travel Premium Plan: S$500
  • FWD Travel Business Plan: S$10,000
  • FWD Travel First Plan: S$15,000

Travel Delays

  • FWD Travel Premium Plan: S$300 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)
  • FWD Travel Business Plan: S$500 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)
  • FWD Travel First Plan: S$1,000 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)

3) Missing & Delayed Baggage

Baggage Delays

  • FWD Travel Premium Plan: S$150
  • FWD Travel Business Plan: S$600
  • FWD Travel First Plan: S$900

Baggage Loss

  • FWD Travel Premium Plan: S$3,000
  • FWD Travel Business Plan: S$5,000
  • FWD Travel First Plan: S$7,500

Loss of Passport, Travel Documents, Theft of Money

  • FWD Travel Premium Plan: S$300 (Sub-limit of S$300 for theft of money)
  • FWD Travel Business Plan: S$600 (Sub-limit of S$300 for theft of money)
  • FWD Travel First Plan: S$1,000 (Sub-limit of S$300 for theft of money)

4) Personal Protection 

Personal Protection

  • AVIVA Travel Lite Plan: S$50,000
  • AVIVA Travel Plus Plan: S$100,000
  • AVIVA Travel Prestige Plan: S$500,000

5) Medical Coverage

Overseas Medical Expenses & Emergency Medical Evaluation

  • FWD Travel Premium Plan: S$200,000
  • FWD Travel Business Plan: S$500,000
  • FWD Travel First Plan: S$1,000,000

Daily Overseas Hospitalization Income

  • FWD Travel Premium Plan: S$5,000 (S$200 per day of hospitalization)
  • FWD Travel Business Plan: S$8,000 (S$200 per day of hospitalization)
  • FWD Travel First Plan: S$10,000 (S$200 per day of hospitalization)

Daily Local Hospitalization Income

  • FWD Travel Premium Plan: S$1,000 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)
  • FWD Travel Business Plan: S$1,200 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)
  • FWD Travel First Plan: S$1,500 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)

6) Coverage Exceptions for Leisure Activities

  • Leisure/sports activities with rewards or prizes involved, competitive leisure/sports activities, and hiking or  trekking above 3000 meters.

7) Lifestyle Cover and Free Extensions

Emergency Phone Charges

  • FWD Travel Premium Plan: S$200
  • FWD Travel Business Plan: S$300
  • FWD Travel First Plan: S$400

Payment for Hospital Visit by a Family Member

  • FWD Travel Premium Plan: S$5,000
  • FWD Travel Business Plan: S$7,500
  • FWD Travel First Plan: S$10,000

Car Rental Excess

  • FWD Travel Premium Plan: N/A
  • FWD Travel Business Plan: S$500
  • FWD Travel First Plan: S$1,000
...see more

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Summary

FWD Travel Insurance

FWD Travel insurance covers you for overseas medical expenses, theft of or damage to your personal belongings, baggage or travel delay and more.

FWD Travel insurance, our main travel insurance product, does not cover claims related to COVID-19. If you require cover for COVID-19, please purchase the COVID-19 Enhanced Travel Benefits add-on.

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data when you apply now (minimum premium of $60). Valid till 30 Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Product Page Transparency

- Pays to access to additional features

Travel Insurance Features & Details

1) Covid-19 Coverage

Is Covid-19 Coverage Provided

  • FWD Travel Premium Plan: Yes
  • FWD Travel Business Plan: Yes
  • FWD Travel First Plan: Yes

Trip Disruption

  • FWD Travel Premium Plan: S$1,000
  • FWD Travel Business Plan: S$1,000
  • FWD Travel First Plan: S$1,000

Trip Cancellation: Before

  • FWD Travel Premium Plan: S$1,000
  • FWD Travel Business Plan: S$1,000
  • FWD Travel First Plan: S$1,000

Medical Expenses Coverage

  • FWD Travel Premium Plan: S$100,000 
  • FWD Travel Business Plan: S$100,000 
  • FWD Travel First Plan: S$100,000 

Repatriation

  • FWD Travel Premium Plan: S$100,000 
  • FWD Travel Business Plan: S$100,000 
  • FWD Travel First Plan: S$100,000 

2) Travel Inconvenience

Travel Cancellation or Postponement

  • FWD Travel Premium Plan: S$500
  • FWD Travel Business Plan: S$10,000
  • FWD Travel First Plan: S$15,000

Travel Delays

  • FWD Travel Premium Plan: S$300 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)
  • FWD Travel Business Plan: S$500 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)
  • FWD Travel First Plan: S$1,000 (S$100 for every six hours of delay overseas and S$100 after six hours of delay in Singapore)

3) Missing & Delayed Baggage

Baggage Delays

  • FWD Travel Premium Plan: S$150
  • FWD Travel Business Plan: S$600
  • FWD Travel First Plan: S$900

Baggage Loss

  • FWD Travel Premium Plan: S$3,000
  • FWD Travel Business Plan: S$5,000
  • FWD Travel First Plan: S$7,500

Loss of Passport, Travel Documents, Theft of Money

  • FWD Travel Premium Plan: S$300 (Sub-limit of S$300 for theft of money)
  • FWD Travel Business Plan: S$600 (Sub-limit of S$300 for theft of money)
  • FWD Travel First Plan: S$1,000 (Sub-limit of S$300 for theft of money)

4) Personal Protection 

Personal Protection

  • AVIVA Travel Lite Plan: S$50,000
  • AVIVA Travel Plus Plan: S$100,000
  • AVIVA Travel Prestige Plan: S$500,000

5) Medical Coverage

Overseas Medical Expenses & Emergency Medical Evaluation

  • FWD Travel Premium Plan: S$200,000
  • FWD Travel Business Plan: S$500,000
  • FWD Travel First Plan: S$1,000,000

Daily Overseas Hospitalization Income

  • FWD Travel Premium Plan: S$5,000 (S$200 per day of hospitalization)
  • FWD Travel Business Plan: S$8,000 (S$200 per day of hospitalization)
  • FWD Travel First Plan: S$10,000 (S$200 per day of hospitalization)

Daily Local Hospitalization Income

  • FWD Travel Premium Plan: S$1,000 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)
  • FWD Travel Business Plan: S$1,200 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)
  • FWD Travel First Plan: S$1,500 (S$100 per day of hospitalization, amount doubled if in ICU or quarantine)

6) Coverage Exceptions for Leisure Activities

  • Leisure/sports activities with rewards or prizes involved, competitive leisure/sports activities, and hiking or  trekking above 3000 meters.

7) Lifestyle Cover and Free Extensions

Emergency Phone Charges

  • FWD Travel Premium Plan: S$200
  • FWD Travel Business Plan: S$300
  • FWD Travel First Plan: S$400

Payment for Hospital Visit by a Family Member

  • FWD Travel Premium Plan: S$5,000
  • FWD Travel Business Plan: S$7,500
  • FWD Travel First Plan: S$10,000

Car Rental Excess

  • FWD Travel Premium Plan: N/A
  • FWD Travel Business Plan: S$500
  • FWD Travel First Plan: S$1,000
...see more

Plans (3)

Slide 1 of 3

FWD Travel Premium Plan

$18

PER ADULT (THAILAND, 1 WK)

$200,000

MEDICAL COVERAGE (OVERSEAS)

$7,500

TRIP CANCELLATION

$3,000

LOSS OR DAMAGE OF BAGGAGE

FWD Travel Business Plan

$24.48

PER ADULT (THAILAND, 1 WK)

$500,000

MEDICAL COVERAGE (OVERSEAS)

$10,000

TRIP CANCELLATION

$5,000

LOSS OR DAMAGE OF BAGGAGE

FWD Travel First Plan

$31.68

PER ADULT (THAILAND, 1 WK)

S$1,000,000

MEDICAL COVERAGE (OVERSEAS)

$15,000

TRIP CANCELLATION

$7,500

LOSS OR DAMAGE OF BAGGAGE

FWD Travel Premium Plan

$18

PER ADULT (THAILAND, 1 WK)

$200,000

MEDICAL COVERAGE (OVERSEAS)

$7,500

TRIP CANCELLATION

$3,000

LOSS OR DAMAGE OF BAGGAGE

📣 SIGN-UP BONUS

Get up to 30% off, 1x Airalo eSim, up to 3x chances in our weekly lucky draw where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth $480, and every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480.

Valid till 30 Sep 2023. T&Cs apply.

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Reviews (204)

4.3

204 Reviews

5
122
4
55
3
6
2
4
1
17

Service Rating

Claim Duration

4.0

Customer Support

3.8

Ease of Purchase

4.7

Ease of Claim

3.9

      Posted 20d ago

      Purchased

      FWD Travel Premium Plan

      I’ve bought yearly family travel insurance plan. I met with an accident overseas and broke my leg. Alone overseas and require some help to make my way back to sg I called their emergency helpline. The answer was this is a travel disruption and please make your arrangement for self payment. Come back and submit claim later (even reminded me subject to approval). I asked if that’s all they can help or say with a person who is suffering from any unexpected injury? I strongly recommend not to buy Fwd because when u are most in need of help there isn’t any to offer. When u are most vulnerable and helpless, insurance is supposed to offer the assurance/ assistance.

      0

      What are your thoughts?

      Posted 05 Sep 2023

      Purchased

      FWD Travel Premium Plan

      I purchased the annual travel plan after my aunt recommended it to me. Fortunately, I have not had to submit any claims but the entire process was clean-cut, clear, fuss-free and smooth. I like how everything is easily accessible from the app. My queries were answered very swiftly but customer service, so all in all, it has been a positive experience so far with FWD travel insurance.

      0

      What are your thoughts?

      Posted 04 Sep 2023

      Purchased

      FWD Travel Premium Plan

      The process to purchase insurance was seamless and easy. Payment was convenient as well and able to pay using Paynow and grabpay even. Recommended!

      0

      What are your thoughts?

      Posted 01 Sep 2023

      Purchased

      FWD Travel Premium Plan

      FWD Travel insurance covers you for overseas medical expenses, theft of or damage to your personal belongings, baggage or travel delay and more.

      0

      What are your thoughts?

      Posted 09 Mar 2023

      Purchased

      FWD Travel Business Plan

      Bought the business plan for a short trip. Came back and visited the doc. As the main policy holder for the insurance was not me, I couldn't claim on the app or website. I emailed in through my email but the rest of the correspondence was replied and through the main policy holder's email, instead of me. Waited 14 days for the claims to be reimbursed to my paynow. Would love it if the annual trip was cheaper than the individual single trip though.

      0

      What are your thoughts?

      Posted 07 Jan 2023

      Purchased

      FWD Travel Business Plan

      [Claims Process] Baggage delay claims approved within 24 hours and claims paid within 48 hours. [Purchase Process] Website is easy to use; App UI and user experience can be improved.

      0

      What are your thoughts?

      Posted 06 Sep 2022

      Purchased

      FWD Travel First Plan

      FWD has perfected the online insurance purchasing journey, and I use FWD a lot for my insurance needs. I like the fact that they dont ask too many unnecessary questions, depending on the type of insurance that you're purchasing, and their claims is 100% online, without the need to interact with a human.

      0

      What are your thoughts?

      Posted 20 Jul 2022

      Purchased

      FWD Travel Business Plan

      [Claims Process] Airline refused to respond or provide documentation for the baggage delay and the claims process took forever since FWD required these documents to provide baggage delay claims. The problem is with the airline having not enough baggage handlers and is all over the news, yet the travel insurance refuses to acknowledge this. With the travel issues being faced around Europe now, I highly recommend you avoid FWD in case you get screwed over. I'm never gonna be purchasing FWD ever again after this. This may be the cheapest insurance, but that's because it's impossible to claim without documents.

      1

      What are your thoughts?

      Please share with us which insurance companies don't require documents for claim.

      Posted 06 Jul 2022

      Purchased

      FWD Travel Premium Plan

      Everything about it has been a very pleasant customer experience. From the purchase , customer service and claims. Simply great!

      0

      What are your thoughts?

      Posted 30 Jun 2022

      Acceptable and ease on the whole process of purchase. I am highly like to intro this service for friends who like to travel [Purchase Process]

      0

      What are your thoughts?

    Discussions (0)

      No Posts Found.

      Popular Products

      FWD Travel Insurance

      It can be a little overwhelming choosing the right plan for yourself, particularly with the wealth of options in the market.

      FWD offers several types of travel insurance options - and each covers the basics such as missing baggage or an unforeseen flight delays. You'll find plans for everyone, including:

      • Individuals: For one pax
      • Couples: For two pax (regardless of relations or gender)
      • Families: For two adults (legal spouse) and their legal dependent child(ren). FWD defines a child as anyone 21 years or younger - or, for full-time students in a recognised institute of higher learning, up to 25 years old.
      • Groups: For up to 20 pax

      Here's an overview of what's covered under FWD Travel Insurance, and the corresponding add-on options to suit your needs.

      • Overseas medical expenses incurred due to sickness or injury
      • Cashless medical claims via the FWD Flyer mobile app
      • Unlimited medical evacuation cover
      • Automatic coverage for outdoor activities - from scuba diving and skiing to bungee jumping and skydiving
      • Haze delay coverage
      • Emergency family travel
      • Loss of baggage and personal belongings, including laptop and jewellery
      • Fraudulent use of credit cards

      Optional Add-Ons

      • Sports Equipment Protector: Up to $2,000 for damaged or stolen equipment, and $100 per day for rental replacements. This add-on covers golf clubs, diving gear, skis (board and poles), snowboards, wakeboards, bicucles and fishing tackle equipment.
      • Pet Care: $50 for every 6 hours that your return home is delayed. Additional kennel costs are capped at $150.
      • Home Contents Cover: Up to $6,000 coverage in case of theft or fire
      • Car Rental Excess: In case of overseas accidents FWD Travel Insurance Plans

      Plan Tiers Offered by FWD Travel Insurance

      FWD Travel Insurance offers 3 different tiers of insurance coverage - Premium, Business and First. As with all travel insurance plans, your premium is pegged to your chosen plan, destination and length of stay.

      Here's a look at some highlights per category.

      What You'll Get

      Plan Type: Premium

      Plan Type: Business

      Plan Type: First

      Overseas Medical Expenses (Per adult; under 70 years old only)

      $200,000

      $500,000

      $1,000,000

      Liability for Harm or Damage You Accidentally Cause

      $500,000

      $750,000

      $1,000,000

      Baggage Delay ($150 for every six hours of delay while overseas; $150 after six hours of delay in Singapore)

      $150

      $600

      $900

      Emergency Phone Charges

      $200

      $300

      $400

      Death or Permanent Disability Caused by Overseas Accident (per pax)

      $40,0000 to $200,000 (capped at $500,000 for family plans)

      $60,0000 to $300,000 (capped at $750,000 for family plans)

      $80,0000 to $400,000 (capped at $1,000,000 for family plans)

      FWD Travel Insurance Highlights

      What Countries Does FWD Travel Insurance Cover?

      • ASEAN countries: Brunei, Cambodia, Indonesia, Malaysia, Myanmar, the Philippines, Singapore, Thailand and Vietnam
      • Asia: ASEAN countries, and 16 other countries - including Japan, Australia, New Zealand, Hong Kong, Taiwan and South Korea
      • Worldwide excluding USA: All of the world, excluding the USA and any of its territories
      • Worldwide: All of the world

      What's The Difference Between Single Trip and Annual Travel Insurance?

      A Single Trip Plan covers you for up to 180 days overseas; conversely, an Annual Travel Plan offers year-round coverage.

      Note, however, that each trip under the Annual Travel Plan cannot exceed 90 days at a time.

      To be more cost-efficient, you might want to first consider estimating how many holidays you intend to take throughout the year - and the length of each trip.

      Additional Things to Know About FWD Travel Insurance

      • The FWD emergency hotline is +65 6322 2072.
      • Claims can be made through the FWD Flyer app or WhatsApp (at +65 9128 8552), and must be made within 30 days of the incident.
      • Medical expenses and damaged or lost baggage claims must be made through the FWD online claims form. Original documents must then be mailed to the official FWD address (see below).
      • You must be at least 16 years old and a resident of Singapore, holding NRIC, FIN or S-Pass to be eligible to purchase FWD Insurance

      FWD Insurance Contact Info

      • Main Office: +65 6820 8888 (Mon to Fri, 9am to 10pm; Sat, 9am to 1pm; closed on public holidays)
      • Address: FWD Singapore Pte Ltd, 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986

      About FWD Travel Insurance

      As the fifth-largest group medical insurer in Singapore, FWD offers a myriad of life and general insurance products for individuals and businesses. Some options for insurance policies include travel, cancer, personal accidents, endowment, term life, HDB fires, and direct term life plans.

      FWD Insurance sits under FWD Group, and Pacific Century Group (PCG) at large. Collectively, FWD Group has served over a million consumers across eight markets - including Singapore, Hong Kong, Macau, Thailand, Japan, Indonesia, Vietnam and the Philippines.

      Contact us at [email protected] should you require any assistance or spot any inaccuracies.

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