Singapore · Travel insurance

Allianz Travel Protect

The largest fixed overseas medical limit for under-70s in our set — S$2 million — plus S$200,000 for travellers over 70 and search and rescue.

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Highlights

Key coverage at a glance

Figures from the insurer's published materials; each row links its source. Verified 2026-08-15, 2026-08-25, 2026-09-12.

Who this plan suits

• Travellers to high-cost healthcare destinations such as the US or Japan
• Travellers over 70 who want one of the higher over-70 limits in our set — S$200,000 on Platinum, where the under-70 figure is S$2 million
• Cruise passengers and hikers heading somewhere remote

Worth knowing before you buy

• The cruise add-on is available for single-trip plans only. source: allianz.sg · verified 2026-08-15
• Sports cover (missed activity, equipment, rental) starts at the Gold tier — the Silver plan has none. source: allianz.sg · verified 2026-08-31
• Pre-existing conditions are covered only for repatriation of remains, not for medical treatment. source: allianz.sg · verified 2026-08-15

Allianz Travel Protect competes on limits. Its Platinum plan carries S$2 million of overseas emergency medical cover — the largest fixed figure among the insurers we cover — and keeps S$200,000 in place for travellers aged 70 and over. That is a joint-third-highest figure rather than an unusual one: of the eight other insurers we cover, four publish the same or more — FWD and Great Eastern match it at S$200,000, and Income and Singlife publish more — while four publish less. (HL Assurance publishes no figure for the band at all.) The seniors comparison puts the published figures side by side.

Emergency transportation carries a single combined S$1 million limit, the same across all three tiers, and a S$10,000 search-and-rescue benefit appears on every plan. That last one is uncommon: only one other insurer in our set publishes a search-and-rescue benefit, Allianz Travel, also at S$10,000, so the cost of being located and extracted from somewhere remote is not something the rest of this set can be compared on.

Sports travellers get a distinct package on Gold and Platinum — equipment cover, equipment rental, and reimbursement when an injury makes you miss a booked activity. An optional cruise add-on covers missed ports, cabin confinement and denied boarding.

The gap to watch is pre-existing conditions: the only related benefit published is repatriation of remains, so treatment for an existing condition is not covered.

Comparisons featuring this plan

• Which travel insurers actually cover adventure activities?

• Cancel for any reason — comparing the fine print

• Which travel insurers offer the highest overseas medical cover?

• Travel insurance after 70 — where the limits hold up