Heading to Singapore? Compare travel insurance policies designed for Kiwis travelling to Singapore – covering medical expenses, trip cancellations, lost luggage, tropical weather disruptions, and more.
the benefits
Medical costs in Singapore can be significant, particularly at private hospitals – and food poisoning, dengue fever, and traffic accidents are all genuine risks for travellers in the region. A comprehensive Singapore travel insurance policy covers emergency medical treatment, hospitalisation, surgery, and prescription medications, as well as 24/7 emergency assistance wherever you are in the city.
Singapore’s tropical climate means sudden and severe weather events can disrupt travel plans without warning. A comprehensive travel insurance policy purchased before a weather event is publicly announced covers trip cancellations, pre-booked tours, and additional travel arrangements incurred as a result of unforeseen weather disruptions, so a tropical downpour doesn’t leave you out of pocket.
While Singapore is one of Asia’s safest destinations, petty theft can still occur. A comprehensive travel insurance policy covers lost, stolen, or damaged luggage and personal belongings – including theft of cash and travel documents – giving you financial protection throughout your trip.
Singapore is known for its strict laws and regulations, and being found legally liable for injury to another person or damage to their property in an unfamiliar legal environment can have serious financial consequences. Personal liability cover protects you against these costs and is included as standard in most comprehensive Singapore travel insurance policies.
Singapore and the surrounding region offer a range of adventure activities, from water sports and rock climbing to scuba diving. Cover for higher-risk activities varies between insurers, with some excluded from standard policies. If your trip includes any adventure activities, check the specific activity inclusions of your chosen policy and add any necessary optional extras before purchasing.
Our Singapore travel insurance comparison is completely free to use. You’ll be directed straight to the insurer’s website to complete your purchase at their direct price – no markups, no surprises.
Key Considerations
Singapore has some of the strictest laws in the world, and travellers should be aware that behaviour that might be considered minor at home can carry significant penalties in Singapore. Spitting in a public space, importing chewing gum, and littering can all result in substantial fines. More seriously, Singapore's drug laws are extremely strict, with severe penalties for possession or trafficking. Travel insurance does not cover fines, penalties, or legal costs arising from breaking local laws, so it’s essential to familiarise yourself with Singapore’s regulations before you travel.
It’s always worth checking the New Zealand Government’s SafeTravel website before travelling to Singapore for the latest travel advisories. Travelling against a Do Not Travel warning will generally void your travel insurance cover for any incidents arising in the affected area, so staying informed before and during your trip is good practice.
Singapore travel insurance comes with important exclusions worth understanding before you travel. Claims will generally not be paid if you were under the influence of alcohol or drugs at the time of the incident, if your belongings were left unattended, or if you fail to report theft or loss to the relevant authority within 24 hours. High-risk activities – including rope-assisted rock climbing, cliff jumping, and skydiving – may also be excluded from standard cover.
Pre-existing medical conditions must be declared when purchasing Singapore travel insurance. Some conditions may be covered automatically, while others require a medical assessment or attract an additional premium. Given that private medical costs in Singapore can be significant, it’s especially important to declare all relevant conditions upfront to ensure your cover remains valid.
There are several practical ways to reduce the cost of Singapore travel insurance. Some insurers price Singapore separately from the broader Asia region, which may result in a lower premium for Singapore-only trips. Travelling with a partneror friend? A joint policy is often cheaper than purchasing individually. Increasing your excess can also reduce your premium, and frequent travellers may find that an annual multi-trip policy offers better value than purchasing a separate policy for each trip.
Many Kiwis visiting Singapore also take the opportunity to explore other destinations in Southeast Asia, including Malaysia, Indonesia, or Thailand. If your itinerary extends beyond Singapore, make sure your policy covers all destinations you plan to visit, or consider a broader Asia or worldwide policy if your travel plans are likely to evolve during your trip.
further reading
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Read full guideget answers
The cost of Singapore travel insurance varies depending on your age, trip duration, and the level of cover you choose. Using our free comparison tool is the most reliable way to find competitive, up-to-date quotes for your specific trip.
Travel insurance is not a legal requirement for entry to Singapore. However, it is strongly recommended. Medical treatment at private hospitals in Singapore can be costly, and without insurance the expense of emergency medical care, evacuation, or repatriation to New Zealand could be significant. Trip cancellations, lost luggage, and travel delays are also common risks that travel insurance protects against.
Singapore is consistently ranked as one of the safest cities in the world, with low crime rates and excellent infrastructure. However, Singapore’s legal system is strict by international standards, and penalties for behaviour that might be considered minor in New Zealand (like littering, spitting and jaywalking) can be significant. Travellers should familiarise themselves with local laws and regulations before visiting. It’s also worth checking the SafeTravel website for the most current travel advisories before your trip.
Yes! If your trip includes other destinations in Southeast Asia in addition to Singapore, you can select a broader Asia or worldwide region policy at the time of purchase to ensure cover applies throughout your entire itinerary. Always include every destination you plan to visit in your quote to ensure your cover is valid from the moment you depart New Zealand.
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