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If you’re an Aviva policyholder or have a family member who is one who qualifies for the 30% discount, then don’t hesitate on going for this. Without a doubt, this is the cheapest and most purchase worth travel insurance you can buy out there. If you’re not a policyholder, it’s still a really good deal if you can get 18% discount with the promo code. Those travelling to a bit more expensive countries will want to get the second tier plan for a few dollars more. For pregnant women in their first or second trimester or just any woman who could be travelling while pregnant, Aviva travel insurance is one of the very few options that will cover your condition.

This Aviva travel insurance also covers pregnancy-related medical situations as long as the delivery date is at least 12 weeks away from your return to Singapore. Most other insurance companies are extremely reluctant to bear that risk but I should mention that if you’re planning to get married or engage in some pre-wedding photoshoot overseas, then take advantage of the nicely packaged add-on for comprehensive wedding coverage to help minimise the amount of freaking out over your special day.

ERGO TravelProtect Basic allows you to enjoy superior cover for worry-free holidays or business trips at some of the most affordable prices in the market. ERGO TravelProtect Travel Insurance provides comprehensive protection for your health, baggage and bank balance so you can focus on more important things – like sightseeing, exploring and relaxing. The price is very competitive with a good coverage for the yearly Asia plan. I personally got this plan because I travel mostly within Asia a lot.

This card is a very comprehensive travel insurance plan for travel to Japan. However even when you are not travelling to Japan, Sompo has come up with a pretty good solution for those with pre-existing medical conditions, as the Sompo Travel Joy Deluxe plan is worth considering, even if you’re not travelling to Japan. Should anything happen, you can get evacuated home for free thanks to the unlimited coverage for medical evacuations. Sompo loses out however when it comes to coverage of outdoor activities.

Within Asia, HL Assurance is the cheapest of the three plans for 1-week trips, but falls behind the other two for 2-week trips. HL Assurance's Enhanced Plan, like the Basic Plan, places more emphasis on travel inconvenience, with more coverage in this area than FWD and Etiqa. Comparatively speaking, FWD and Etiqa both provide more coverage for medical expenses, trip cancellation and personal accident/death. So if you want greater protection against disruptions like baggage and trip delays and baggage loss, HL Assurance's Enhanced Plan is a better choice.

I must say that the FWD Travel Insurance Premium is very easy to apply and also avails competitive rates as well. Generally FWD offers decent coverage for a safe travel destination however if you’re going somewhere with a higher risk involved like a ski trip for instance, you might want to consider specialized plans. But generally, the application process and ease of getting a quote upfront is great with competitive prices too.