Guide to best family travel insurance in Singapore (2026): Cost, coverage, age limits and more

Feeding one extra mouth at home is one thing, but travelling with your little human? Whole different ball game.

From missed flights to lost belongings, a lot can go wrong when you're travelling with kids. But the first mistake you could make? Failing to buy travel insurance that will protect your family against the mishaps that are (let's face it) bound to happen.

Doubling your insurance coverage from just you and your partner to cover a family of 4 might seem like an expensive endeavour, especially since kids seem to be natural magnets for trouble. But here's the good news: family travel insurance is cheaper than you think.

I've scoured dozens of travel insurance policies and compared their premiums, coverage, and other benefits. Here's my breakdown of the best family travel insurance plans in Singapore that will give you the most bang for your buck.

1. TL;DR

The most affordable family travel insurance plans are:

Family travel insurance for niece, nephews, cousins, grandchildren, and other relatives

The family travel insurance plans below allow you to include other family members in their family travel insurance plans; they need not strictly be you, your spouse and your child(ren).

• Amex: Adults need not be related for single trip policies but must be partners for annual multi-trip policies. Children must be legally dependent on or legally adopted by one of the insured adults.
• Chubb: Child can be your child or grandchild. Adults need not be related for single trip policies but must be partners for annual multi-trip policies.
• DBS TravellerShield Plus: Child can be you and/or your partner's child, grandchild, niece, nephew or cousin; domestic helpers are also included as family members in single trips.
• Great Eastern: Child can be biological, legally adopted children, or grandchildren for single-trip family plans; annual plans cover only your biological or adopted children.
• OCBC: Child can be biological, legally adopted children, or grandchildren for single-trip family plans; annual plans cover only your biological or adopted children.
• Tiq by Etiqa: Adults need not be related, but must be parents or grandparents of the dependent child(ren).
• Tokio Marine: The adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults.
• Zurich: The adults need not be related, and can accompany children, unmarried grandchildren, nieces, nephews, or cousins.

2. What is family travel insurance?

Family travel insurance refers to a travel insurance plan that covers you and your family.

Next question: what counts as a family? Unlike the family packages at amusement parks and attractions, family travel insurance doesn't necessarily cater to only 2 adults and 2 kids.

• Minimally, family travel insurance refers to you and 1 child.
• Maximally, across all the insurers I surveyed, it can cover you, your spouse, and up to 18 children.

The common denominator? There's at least 1 child included in the plan.

Not every travel insurer offers a specific family travel insurance plan that is branded as such. Sometimes it's marketed to you as a "family cover" (Income Insurance is an example), while some insurers simply ask you how many children you're travelling with when you're requesting a quotation.

Whether they throw in the word "family" or not, I think 99 per cent of insurance providers that offer adult travel insurance will also be able to provide you with a travel insurance policy that includes your spouse and child(ren)-I've never come across any that are exclusive to adults only. 

So if you don't see the word "family" in a travel insurance plan, don't write it off.

Note: In this article, I compare both travel insurance policies marketed for families as well as travel insurance policies that I just got a "family" (I assumed 2 adults + 2 kids) quotation for.

3. How much does family travel insurance cost per child?

This might be the only time in your life that you see these words: the more children you have, the more affordable family travel insurance becomes.

When it comes to family travel insurance, the majority of travel insurers don't care whether you're travelling with 1 child or 18-they'll quote you the same insurance premium as long as you have at least 1 dependent child travelling with you. Some even cover your child(ren) for free! Children aren't that expensive after all, eh?

Since you pay the same amount no matter how many children you're travelling with, the cost per child is lower the more children you have.

That said, do take note of overall family limits. These put a cap on the total coverage benefits a family can claim collectively.

4. Costs vs coverage: Comparing family travel insurance plans in Singapore (2026)

To help you compare family travel insurance in Singapore, I've priced each plan for a family of four (2 adults and 2 children) on a 7-day trip to an ASEAN country. The table below breaks down premiums, medical coverage, trip cancellation limits, and key exclusions across various insurers in Singapore, so you can find the most appropriate plan for your family.

5. Are my parents, siblings and relatives covered by family travel insurance?

Unfortunately, your parents, siblings, cousins, aunties, uncles, and any other relatives are usually excluded from family travel insurance. You'll know it when you're keying in information for a family travel insurance quotation on an insurer's website and see that the number of adults can be either 1 or 2 with no option for higher numbers. 

Case in point:

Aside from you and your spouse, other adults will have to purchase their own individual or group travel insurance instead. This can make getting quotations difficult because you'll essentially need to get 2 quotations if you're travelling with both your children and your parents.

The easiest way to handle this is to use MoneySmart's Singapore travel insurance comparison tool for a full quotation for all adult and children travellers in one click.

6. So how do different travel insurers define a family?

It's important to know who's covered in a family travel insurance policy because this varies from insurer to insurer. It's even more important to take note of if your child is between the ages of 18 and 25, as these are the ages at which insurers often start counting your offspring as an adult instead of a child.

Generally, to be considered a child in a family travel insurance plan, they should also be unemployed and unmarried. If they're working and/or married, they'll be considered as adults.

If you're travelling with your parents or relatives too, things get even more complicated. Very few travel insurers count parents + child(ren) + grandparents and more as a family unit; see the last column in the table below.

7. What's the difference between family travel insurance and group travel insurance?

Family travel insurance usually includes you, your spouse, and your children who are below 18 (e.g. MSIG, Starr) or 21 years old (e.g. FWD, Income, Singlife). Some insurers like FWD travel insurance and Tiq by Etiqa extend the child's age limit to up to 25 years if they're still studying in an institute of higher learning on the date the policy coverage begins.

Additionally, you and your spouse usually need to be married, and your children should be your biological children, legal stepchildren, or have been legally adopted.

Group travel insurance covers several people travelling together in a group on the same trip. They need not be related. The maximum number of people varies depending on the insurance provider. For example, FWD's limit is just 7 people, while Income Insurance and Singlife both have a limit of 20. Group travel insurance may or may not cover kids.

This article was first published in MoneySmart.