Complimentary travel insurance with credit cards

Save on holiday costs and get peace of mind with a credit card that includes travel insurance.

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Travel insurance is designed to help cover unexpected costs that can come up when you’re on a trip. While it offers peace of mind, it can also be expensive to purchase. But credit cards with complimentary travel insurance give you an opportunity to enjoy your trip while also getting the coverage you need without the cost of buying insurance outright. Depending on the card, there will be different eligibility requirements and complimentary insurances on offer.

To make sure you receive the appropriate cover and get the most value out of complimentary insurance, use this guide to compare your options and discover what you should look out for in the terms and conditions.

Compare credit cards with complimentary travel insurance

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB Yolo Card
Wide range of discounts including at Bubble Tea Factory. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending. no minimum spend or cap
S$0 annual fee for the first 1 year and up to S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Standard Chartered Visa Infinite X Credit Card
3 miles per $1 spent on foreign currency.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$30,000
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 April 2020.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$321 annual fee
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Standard Chartered Prudential Visa Signature Card
Up to 10X rewards points on foreign spend, with no minimum spend required
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank Platinum Visa Card
Get complimentary travel cover of up to S$500,000
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and up to S$80 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Family & Friends Credit Card
Earn up to 3X interest on your child's savings with Maybank Family Plus
Up to 8% cashback with minimum spend of S$800 per month
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$0 annual fee for the first 2 years and up to S$80 thereafter
S$30,000
Get American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account a minimum of S$300 in the first 2 months.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
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Compare up to 4 providers

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What is complimentary travel insurance?

Complimentary travel insurance refers to the insurance cover that is included with some credit cards. The travel insurance could be an included feature of the card, but that doesn’t mean it’s exactly free. Technically, it comes at the cost of the card, which could have an annual fee and interest rates. Some travel insurance covers can only be activated once you’ve met specific spend requirements, as well.

Having said that, complimentary or included insurance doesn’t have its own fee, which means it is at “no extra cost”. So this type of credit card extra can save you the time and money that comes with organising standalone travel insurance. It can also reduce the cost of any unforeseen emergencies that may pop up while you’re overseas.

What are the types of complimentary travel insurance?

Different credit cards provide different levels of complimentary travel insurance. It is important to look at the terms and conditions of the card to ensure you know what you are covered for and how much coverage applies. The cover will vary according to which card you use and the policy itself, so make sure you look at the overall cover, coverage limits and any excess applicable to decide if it’s suitable for your trip. Different types of complimentary travel insurance include:

  • Medical and hospital expenses incurred overseas. This insurance helps cover the cost of medical fees and hospital bills if you require emergency treatment when you are overseas. Generally, exclusions for this type of travel insurance include pre-existing medical conditions, conditions already covered by a private medical fund or government funds, or treatment that is not administered by a medical professional.
  • Loss or damage to personal property. This cover is designed to offer you compensation for your luggage and other personal items are lost, damaged or stolen. It usually has a maximum limit per person, per trip, and will generally require the submission of a police report before you are approved for a claim.
  • Cancellation of travel arrangements. This insurance usually covers travel cancellations that may be due to unforeseen circumstances such as the accidental death of a relative, the sudden illness of a family member, or a natural disaster at the destination or near your normal residence.
  • Travel inconvenience cover. With this insurance, additional meals and accommodation costs are covered if the delay of flight is more than a few hours. Flight cancellation, delayed flight boarding and loss of luggage may also be covered.
  • Transport accident cover. This provides cover for accidents during travel or when you are boarding or leaving a commercial aircraft, cruise ship or bus. It may also cover any loss in departure and destination terminals.
  • Legal liability cover. Some cards also provide legal liability cover which can settle or defend a claim in case of bodily harm or damage of property caused to someone other than the cardholder.

What if I’m over the credit card travel insurance policy’s age limit?

If you’re over the age specified for full coverage with your credit card’s complimentary insurance, it may still be possible to get limited coverage. Contact the insurance provider directly to find out your options. Alternatively, you may want to buy a policy designed specifically for people aged 65 or older.

What should I be wary of when comparing complimentary insurance?

Some of the other factors you’ll want to take into account with complimentary credit card travel insurance include:

  • Eligibility and activation of insurance. Make sure that you’re eligible for the cover and that the terms and conditions of the policy suit your needs. Credit card providers also usually require you to activate the policy in some way. For most cards, you will “activate” or become eligible for insurance by purchasing your return travel ticket using your credit card. Others may require you to log in to your account online and fill out a simple form to activate your policy before each trip.
  • Length of travel. Most credit card complimentary travel insurance policies will cover trips of between three and six months in length. Make sure you consider the specific coverage length offered by your card when you first start planning your trip. If you plan to travel for longer, you may be able to request an extension (for a fee).
  • Levels of coverage. Some credit card companies provide travel insurance for several cards and offer different levels of coverage based on the account you have. Different claim limits and excesses may also apply, so make sure you check what level of coverage your card offers when referring to the insurance policy booklet.
  • Terms and conditions. While this may be a tedious practice, reading the terms and conditions is crucial to ensure you understand the opportunities and boundaries of your insurance. If you have any doubt about your cover after referring to such documents, you may wish to contact the insurance provider directly.

How to compare credit cards that include travel insurance

If you’re interested in getting a credit card with complimentary travel insurance, make sure you also consider the following factors:

  • Annual fee. Credit cards that offer a lot of perks, including complimentary insurance, tend to have higher annual fees than low rate or no-frills options. While these benefits can offset the cost of the annual fee, remember that they will only add value if you actually use them.
  • Interest rates. Standard variable interest rates on credit cards with travel insurance range from about 15% p.a. to 25% p.a. Make sure you factor in the potential cost of both the purchase rate and cash advance rate – especially if you have to purchase your travel to activate the policy or if you think you may carry a balance from time to time.
  • Travel insurance policy details. The type of coverage, eligibility and activation requirements are all important factors to consider when you’re comparing cards that offer travel insurance. Reading through the policy details provided for each credit card you consider can help you choose a credit card that will offer the right level of coverage for you.
  • Currency conversion fee. If you also plan to use your credit card overseas, make sure you check the currency conversion or international transaction fee. This is usually a charge worth 2-4% of each transaction made in another currency, so the costs can quickly add up. You may even want to consider cards with 0% foreign fees for overseas spending to help keep your additional expenses in check.
  • Rewards. There are many rewards credit cards that also offer complimentary travel insurance. These products earn points for your everyday card spending, which could then be redeemed for flights, fare upgrades or a wide range of other rewards.
  • Other extras. Credit cards that include travel insurance may also provide complimentary insurance for purchases, interstate flight inconvenience insurance and price-matching services. Some top-end platinum and black cards also provide travel benefits such as flight vouchers and airport lounge access that can add even more value to the card you choose. Just remember to consider the card costs when factoring in these perks.

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What are the pros and cons of travel insurance credit cards?

Pros

  • Provides essential travel cover. If you’re travelling overseas, you’ll need to organise travel insurance. Complimentary insurance could provide you with the cover you’ll need if you run into an unforeseen emergency while overseas.
  • Save time and money. If you decide to take advantage of your card’s complimentary insurance, this can save you the time and money required to organise external cover.
  • Cover for family. Most credit cards with included travel insurance will also cover your spouse and any dependents travelling with you, providing they also meet the activation requirements of the policy.

Cons

  • Higher price tag. Most credit cards that offer complimentary travel insurance are premium products that have high annual fees when compared to other options. Plus, you may be required to use your card to pay for a certain amount of the trip to activate the insurance.
  • Less value for infrequent travellers. If you only travel every now and then, the cost of the annual fee could outweigh the value you get from the complimentary insurance. Before choosing this type of card, consider how frequently you will use it and whether a standalone policy could be more cost-effective based on your travel habits.
  • Exclusions and excesses. Just as with any insurance policy, there are exclusions and excesses that may apply for complimentary credit card travel cover. Always read the policy documents beforehand, so you know what you are covered for and how much you will have to pay if you need to make a claim.

Looking for more comprehensive travel cover?

If you’d like to receive more comprehensive cover than your card’s complimentary insurance, you can compare comprehensive standalone policies from Singapore travel insurance issuers for more options.

If you travel regularly, a credit card with complimentary travel insurance could help you save time and money on additional expenses. As the level of cover and the eligibility requirements will vary according to the card and insurance issuer, it’s important to compare your options and read the terms and conditions so you can find a card with insurance that suits your needs.

Frequently asked questions

Usually when the fees are higher there is more to be gained in extras and bonuses. The credit cards in this comparison do offer complimentary free travel insurance. Read terms before you go ahead.

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