Singapore · Travel insurance
FWD Travel Insurance
Build-your-own cover — pay for the extras you actually need, with unlimited evacuation on every tier.
Highlights
Key coverage at a glance
| Coverage | Limit / benefit | Source |
|---|---|---|
| Overseas medical expenses | Adult below 70 years of age: S$200k / S$500k / S$1mil (Premium / Business / First) | source: fwd.com.sg · verified 2026-09-04 |
| Emergency evacuation & repatriation | Unlimited (all plans) | source: fwd.com.sg · verified 2026-08-14 |
| Trip cancellation | Adult / Child: S$7,500 / S$10k / S$15k (Premium / Business / First) | source: fwd.com.sg · verified 2026-09-04 |
| Travel delay | S$100 every 6 hrs / S$50 every 3 hrs / S$50 every 3 hrs (Premium / Business / First) | source: fwd.com.sg · verified 2026-09-04 |
| Travel delay — maximum per trip | S$300 / S$800 / S$1,500 (Premium / Business / First) | source: fwd.com.sg · verified 2026-09-04 |
| Baggage theft or damage | Adult / Child: S$3k / S$5k / S$7,500 (Premium / Business / First) | source: fwd.com.sg · verified 2026-09-04 |
| Pre-existing conditions (add-on) | Up to S$150,000 overseas medical (optional add-on) | source: fwd.com.sg · verified 2026-08-14 |
Figures from the insurer's published materials; each row links its source. Verified 2026-08-14, 2026-09-04.
Who this plan suits
- Travellers who prefer to assemble cover from add-ons rather than buy a bundled plan
- Groups or families where only one person has a pre-existing condition
- Anyone who values a short delay-claim threshold
Worth knowing before you buy
- The 3-hour delay threshold applies to Business and First plans; the Premium plan pays per 6 hours instead. source: fwd.com.sg · verified 2026-09-04
- Cancel For Any Reason is an optional add-on, and FWD publishes it for single trips only. It pays 50% of your covered travel costs, against a ceiling of S$1,000 on Premium, S$3,000 on Business and S$6,000 on First, and it has to be bought within 7 days of your first trip deposit. source: fwd.com.sg · verified 2026-09-04
- The overseas delay rates are the headline; a delay at the Singapore end pays less. On Premium the wording pays S$100 for the first six-hour delay only, and on Business and First S$50 for every three-hour delay up to S$100. The overseas and Singapore legs share one per-trip maximum rather than each drawing on it. source: fwd.com.sg · verified 2026-09-04
- Pre-existing condition cover runs to 30 days per single trip (45 days per trip on annual policies). source: fwd.com.sg · verified 2026-08-14
FWD structures its travel insurance as a lean base plan surrounded by optional riders. The three tiers — Premium, Business and First — differ mainly in benefit size, while features like pre-existing condition cover, Cancel For Any Reason, sports equipment and home contents are bought separately.
That structure suits travellers who know which risks matter to them. A family where one member has asthma can add pre-existing cover for that person alone, rather than paying a higher premium across everyone. Skiers can add equipment protection without paying for cruise benefits they’ll never use — with one caveat worth knowing before you rely on it: the rider excludes damage while the equipment is in use, whether for practice or play, so it covers skis and snowboards in transit and in storage rather than the fall that breaks them.
Two things stand out regardless of how you configure it: emergency evacuation is uncapped on every tier, and delay claims can start after three hours on the upper two plans.
Comparisons featuring this plan
Cancel for any reason — comparing the fine print
Flight delays — which insurer pays out soonest?
Which travel insurers offer the highest overseas medical cover?
Travelling with a pre-existing medical condition — who covers what
Information only. Summarized from FWD Travel Insurance published materials with source links above. Policy terms, exclusions and eligibility apply — read the policy wording and verify with the insurer before purchase. Not financial advice.
Spotted a mistake? Every figure here links to the document it came from, so tell us at niokmambi@gmail.com and we will re-check it against the source.