7 Best Cruise Insurance in Singapore to Keep You Safe Onboard [2021]

Keep yourself safe with the best cruise insurance in Singapore!

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For the travel-starved, going on a cruise to nowhere is an option. However, with COVID-19’s impact on travel restrictions, cruise insurance is all the more important to protect yourself and your loved ones. In this article, we shortlisted the top 7 cruise insurance in Singapore for your next cruise to nowhere!

1. Starr Cruise Travel Insurance

Cruise Insurance Singapore - Starr Insurance
Type of InformationDetails
Websitehttps://www.starrinsurance.com.sg/?contract_id=146749&_curcid=16382

*SingSaver promo – S$10 PayNow voucher
Coverage and Benefits– Medical expenses up to SG$1,000,000 including in and outpatient treatments
– Seamless and Cashless claims via PayNow
– Personal accident benefit of up to SG$500,000, covering 18 different events of disablement and accidental death
Additional Remarks– All trips must depart from and return to Singapore
– An individual applicant must be 18 years old or above
– Policy purchased on or after 9 April 2020: Coverage relating to Coronavirus disease (COVID-19) will not be offered

Good news! There is an ongoing promotion for the Starr Cruise To Nowhere Travel Insurance where you’ll get a S$10 PayNow voucher from SingSaver when you sign up. With this, secure your trip starting from $12 per day with flexible coverage that allows you to create a travel insurance plan with different types of coverage and add-ons for your specific needs.

2. Sompo Travel Insurance

Cruise Insurance Singapore - Sompo Travel Insurance
Type of InformationDetails
Websitehttps://www.sompo.com.sg/
Coverage and Benefits– Protection against high medical costs if the insured person is diagnosed with COVID19 during the trip
– Up to 14 days of daily cash benefit if the insured person is quarantined or
hospitalised overseas as a result of being diagnosed with COVID-19
Additional RemarksTravel (COVID-19) does not cover trip cancellation or postponement due to the insured person’s disinclination to travel or fear of travelling

Customers have a choice between the Essential plan or a higher coverage Superior plan. The Superior plan has up to $200,000 in medical expenses coverage and up to $4000 in trip cancellation and postponement.

As we see more and more insurers stepping up to provide travel-related coverage, we recognise its paramount importance in protecting us amid these trying times.

3. AIG Travel Guard Direct

Cruise Insurance Singapore - Travel Guard Direct
Type of InformationDetails
Websitehttps://www.aig.sg/personal/travel-guard
Coverage and Benefits– Up to S$250,000 for overseas medical costs and evacuation incurred if you test positive for COVID-19 during your trip
– Up to S$7,500 for trip cancellation occurring within 30 days before your departure date as a result of you or your immediate family member testing positive for COVID-19

AIA recognises that travelling has taken on a new norm. and thus enhanced their market-leading travel insurance coverage, Travel Guard Direct with more COVID-19 coverage for cancellations or interruptions to your cruise holiday due to covered conditions. However, do note that this is only applicable for selected plans.

4. Aviva Travel Insurance

Cruise Insurance Singapore - Aviva Travel Insurance
Type of InformationDetails
Websitehttps://www.aviva.com.sg/en/insurance/travel
Coverage and Benefits– Coverage of S$20,000 in overseas medical expenses due to COVID-19 for their Prestige Plan
– Claims of up to S$2,000 for trip cancellation/postponement due to COVID-19
Additional RemarksIn order to qualify for travel insurance from Aviva, you must meet the following criteria:
– Live in Singapore for at least 183 days in a year and you have a valid NRIC or FIN
– Journey is a round trip, beginning and ending in Singapore

They have 3 different plans – Travel Lite, Travel Plus and the Travel Prestige which has different levels of protection – for you to choose one which bests suits your cruise needs. We also like them for their insurance options – catering to travellers with different travel frequencies. The single trip insurance covers your single trip for up to 182 days abroad, perfect if you’re only planning to travel twice or thrice per year.

Get special savings for single trip purchases, for MINDEF & MHA policyholders and also for POGIS policyholders.

5. Allianz Cruise Insurance

Cruise Insurance Singapore - Allianz Travel Insurance
Type of InformationDetails
Websitehttps://www.allianztravelinsurance.com/travel/cruise
Coverage and Benefits– Coverage of $25,000 in overseas medical expenses due to COVID-19 for their OneTrip Prime Plan
– Up to 100% of non-refundable costs for trip cancellation
Additional RemarksUnlike many cruise line plans, OneTrip Prime can cover pre-existing medical conditions, as long as the plan is purchased within 14 days of making your first trip payment or deposit, and all other conditions are met.

Like many plans available in the market, OneTrip Prime includes key benefits like trip cancellation/interruption, emergency medical and emergency transportation. We also like them for their pre-existing medical condition coverage. Kids 17 and under are covered for free when traveling with a parent or grandparent.

With Allianz Global Assistance, a 24-Hr Hotline Assistance has a multilingual assistance team available to tend to your travel emergencies.

6. FWD Travel Insurance

Cruise Insurance Singapore - FWD Travel Insurance
Type of InformationDetails
Websitehttps://www.fwd.com.sg/travel-insurance/
Coverage and Benefits– Travel disruption under the premium plan allows you to claim S$7,500 for a trip cancelled before you leave Singapore
Additional RemarksComprehensive COVID-19 coverage add-on: COVID-19 enhanced travel benefit keeps you financially protected in the event you are diagnosed with COVID-19 before, during or after your trip

As we see more rule changes to regulations on social gatherings in Singapore, it makes it even harder for those who have pre-planned cruise trips, only to have them cancelled at the last minute due to changes in regulations.

The FWD Travel Insurance provides coverage in many areas of a cancelled trip, trip disruption and also a postponed trip before you leave Singapore.

7. MSIG TravelEasy

Cruise Insurance Singapore - MSIG TravelEasy
Type of InformationDetails
Websitehttps://www.msig.com.sg/personal-insurance/traveleasy
Coverage and Benefits– Trip cancellation of up to $5,000 under the standard plan
– Travel postponement of up to $750 under the standard plan
– Travel disruption of up to $1,000 under the standard plan

If your plans go awry and you cancel your cruise vacation, the MSIG TravelEasy plan provides a comprehensive cover with over 50 benefits. We like them for their emergency medical evacuation benefits where across all TravelEasy plan types, emergency medical evacuation and repatriation is at a high limit of $1,000,000.

Conclusion

Do you have any reviews and comments to share regarding our choices for the best cruise insurance in Singapore?

While SBO is committed to supporting our local businesses, we welcome any feedback and anonymous sharing regarding your experience with the above-listed best cruise insurance picks in Singapore.

We hope that this guide will be useful in helping you to make a better decision when it comes to finding the best cruise insurance in Singapore.

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