facebookFWD Travel Insurance Ratings Jul 2024

FWD Travel Insurance

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Summary

FWD Travel Insurance Review

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 a 30% discount on Single Trip and Annual Trip plans! Valid till 19 July 2024. T&Cs apply. Also receive complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm.  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 Premium Plan Travel Insurance: Yes
  • FWD Business Plan Travel Insurance: Yes
  • FWD First Plan Travel Insurance: Yes

Trip Disruption

  • FWD Premium Plan Travel Insurance: S$1,000
  • FWD Business Plan Travel Insurance: S$2,000
  • FWD First Plan Travel Insurance: S$3,000

Trip Cancellation

  • FWD Premium Plan Travel Insurance: S$7,500
  • FWD Business Plan Travel Insurance: S$10,000
  • FWD First Plan Travel Insurance: S$15,000

Medical Expenses Coverage < 70 Years Old

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

Medical Expenses Coverage > 70 Years Old

  • FWD Premium Plan Travel Insurance: S$40,000
  • FWD Business Plan Travel Insurance: S$100,000
  • FWD First Plan Travel Insurance: S$1,000,000

Repatriation

  • FWD Premium Plan Travel Insurance: Unlimited
  • FWD Business Plan Travel Insurance: Unlimited
  • FWD First Plan Travel Insurance: Unlimited

2) Travel Inconvenience

Travel Postponement

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

Travel Delays

  • FWD Premium Plan Travel Insurance: S$300
  • FWD Business Plan Travel Insurance: S$500
  • FWD First Plan Travel Insurance: S$1,000

3) Missing & Delayed Baggage

Baggage Delays

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

Baggage Theft / Damage

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

Loss of Passport, Travel Documents, Theft of Money

  • FWD Premium Plan Travel Insurance: S$300
  • FWD Business Plan Travel Insurance: S$600
  • FWD First Plan Travel Insurance: S$1,000

(Note: sub-limit for theft of money is S$300)

4) Personal Accident

Personal Accident < 70 Years Old

  • FWD Premium Plan Travel Insurance: S$200,000
  • FWD Business Plan Travel Insurance: S$300,000
  • FWD First Plan Travel Insurance: S$400,000

Personal Accident > 70 Years Old

  • FWD Premium Plan Travel Insurance: S$40,000
  • FWD Business Plan Travel Insurance: S$60,000
  • FWD First Plan Travel Insurance: S$80,000

5) Medical Coverage

Daily Overseas Hospitalization Income

  • FWD Premium Plan Travel Insurance: S$5,000
  • FWD Business Plan Travel Insurance: S$8,000
  • FWD First Plan Travel Insurance: S$10,000

Capped at S$200 per day

Daily Local Hospitalization Income

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

Capped at S$100 per day (Note: amount doubles if hospitalised in intensive care)

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

Summary

FWD Travel Insurance Review

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 a 30% discount on Single Trip and Annual Trip plans! Valid till 19 July 2024. T&Cs apply. Also receive complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm.  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 Premium Plan Travel Insurance: Yes
  • FWD Business Plan Travel Insurance: Yes
  • FWD First Plan Travel Insurance: Yes

Trip Disruption

  • FWD Premium Plan Travel Insurance: S$1,000
  • FWD Business Plan Travel Insurance: S$2,000
  • FWD First Plan Travel Insurance: S$3,000

Trip Cancellation

  • FWD Premium Plan Travel Insurance: S$7,500
  • FWD Business Plan Travel Insurance: S$10,000
  • FWD First Plan Travel Insurance: S$15,000

Medical Expenses Coverage < 70 Years Old

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

Medical Expenses Coverage > 70 Years Old

  • FWD Premium Plan Travel Insurance: S$40,000
  • FWD Business Plan Travel Insurance: S$100,000
  • FWD First Plan Travel Insurance: S$1,000,000

Repatriation

  • FWD Premium Plan Travel Insurance: Unlimited
  • FWD Business Plan Travel Insurance: Unlimited
  • FWD First Plan Travel Insurance: Unlimited

2) Travel Inconvenience

Travel Postponement

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

Travel Delays

  • FWD Premium Plan Travel Insurance: S$300
  • FWD Business Plan Travel Insurance: S$500
  • FWD First Plan Travel Insurance: S$1,000

3) Missing & Delayed Baggage

Baggage Delays

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

Baggage Theft / Damage

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

Loss of Passport, Travel Documents, Theft of Money

  • FWD Premium Plan Travel Insurance: S$300
  • FWD Business Plan Travel Insurance: S$600
  • FWD First Plan Travel Insurance: S$1,000

(Note: sub-limit for theft of money is S$300)

4) Personal Accident

Personal Accident < 70 Years Old

  • FWD Premium Plan Travel Insurance: S$200,000
  • FWD Business Plan Travel Insurance: S$300,000
  • FWD First Plan Travel Insurance: S$400,000

Personal Accident > 70 Years Old

  • FWD Premium Plan Travel Insurance: S$40,000
  • FWD Business Plan Travel Insurance: S$60,000
  • FWD First Plan Travel Insurance: S$80,000

5) Medical Coverage

Daily Overseas Hospitalization Income

  • FWD Premium Plan Travel Insurance: S$5,000
  • FWD Business Plan Travel Insurance: S$8,000
  • FWD First Plan Travel Insurance: S$10,000

Capped at S$200 per day

Daily Local Hospitalization Income

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

Capped at S$100 per day (Note: amount doubles if hospitalised in intensive care)

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

$34.02

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

$52.92

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

$66.78

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

$34.02

PER ADULT (THAILAND, 1 WK)

$200,000

MEDICAL COVERAGE (OVERSEAS)

$7,500

TRIP CANCELLATION

$3,000

LOSS OR DAMAGE OF BAGGAGE

Reviews (205)

4.3

205 Reviews

5
122
4
56
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 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 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 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?

      Posted 24 Jul 2021

      Purchased

      FWD Travel Premium Plan

      Kudos to the UX/UI team, user interface was absolutely seamless. Competitive rates as well, 10/10 recommend!

      0

      What are your thoughts?

      18 Apr 2021

      Purchased

      FWD Travel Premium Plan

      Purchasing a FWD travel was simple and fuss free. You could simply purchase on their website and adjust the coverage you need without an agent. Q&A is promptly replied by their customer service support

      0

      What are your thoughts?

      11 Oct 2020

      Purchased

      FWD Travel Premium Plan

      Good user experience. It was easy to purchase travel insurance from FWD. Furthermore, FWD provides all the information I wanted to know when purchasing the insurance (e.g. coverage and terms and conditions).

      0

      What are your thoughts?

      25 Jul 2020

      Purchased

      FWD Travel Premium Plan

      I have purchased the travel insurance from FWD. The process is very intuitive and the platform is user friendly. Price wise, very affordable, only SGD 102 for 2 pax travelling to US (14 days). However, due to the COVID-19 pandemic, I have to cancel my travel plan. After gotten refund from my travel booking agent, there is a certain amount of irrecoverable prepaid expenses. Therefore, I wrote to FWD and submitted my travel claims. FWD was very helpful and prompt, they refunded all the irrecoverable prepaid expenses to me, meaning I have gotten a FULL refund for the air fare paid. FWD is very efficient, the claim executive Kenneth Yap who handled my case was really helpful, they refunded the amount to me within 2 days. I am feeling really grateful because I understand that the outlook for the aviation and travelling market has not been good, yet FWD has been very helpful in processing the travel claim for affected customers like me. I will definitely support FWD in the future. I hope that FWD and the rest of the travel industry will get through this hardship and continue to stay strong.

      0

      What are your thoughts?

    Discussions (0)

      No Posts Found.

      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 (Applicable for Premium plan only)

      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)

      S$40,000 to $200,000

      S$100,000 to $500,000

      S$200,000 to $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.