COVID-19 travel: Your protection checklist for a pandemic-proof holiday

Vaccinated and ready to travel again? Ensure your most anticipated trip goes smoothly with these tips.


With more countries being added under the Vaccinated Travel Lane (VTL) arrangement, vaccinated Singapore residents can now fly quarantine-free between Singapore and several European countries as well as South Korea, Australia, Malaysia and more. So, you can finally wipe the dust off your passport and cross borders again. Before you take to the skies, here are some tips for a pandemic-safe vacation.


Planning and pre-departure

  • You must be fully vaccinated against COVID-19 to travel and produce a vaccination certificate that’s normally issued 14 days after you’ve completed the full regimen. Accompanying kids aged 12 and below are exempted from this requirement for VTL flights.
  • Check the requirements of your destination country, which could include pre-departure tests, fulfilling the travel history requirement and a producing a digital vaccination certificate.. Entry restrictions may change at short notice too, so get the latest and most accurate information from your travel agent or the embassy.
  • Get travel insurance with COVID-19 coverage. In most cases, you need to be fully vaccinated to be covered and you mustn’t be travelling against travel advisories issued by the Singapore government. You can get the latest COVID-19 advisories from the Ministry of Foreign Affairs and Ministry of Health.


Some of the unexpected COVID-19 situations that Singlife's travel insurance covers

Aside from the usual protection when you go overseas, Singlife's travel insurance plans have COVID-19 benefits that’ll give vaccinated travellers peace of mind as you travel.

Scenario You or family members travelling with you are diagnosed with COVID-19 just before your trip. You must be quarantined overseas due to COVID-19 infection. You or family members travelling with you need urgent COVID-19 treatment and there are limited medical facilities. You decide to cut short your trip and return to Singapore or change travel plans because you or family members travelling with you are diagnosed with COVID-19.
Potential costs  You may face cancellation or postponement costs for travel arrangements, including any unused travel and accommodation you’ve either paid for or will have to pay for e.g. flights, hotels and tours.

You’ll have to pay for expenses during quarantine such as food, accommodation and other essentials, which can add up depending on the quarantine duration.

You may also need to cover hospitalisation and treatment expenses.

You may need to be transferred to the nearest registered medical facility or return to Singapore for treatment after consultation with an appointed medical emergency assistance provider, especially in life-threatening situations.

Emergency medical evacuation costs can run into hundreds of thousands of dollars.

There may be costs for trip cancellation or postponement for travel arrangements, including any unused travel and accommodation you’ve either paid for or will have to pay for e.g. flights, hotels and tours.
How Singlife Travel Insurance covers this Trip Cancellation/ Postponement coverage of up to S$2,000

- Overseas Quarantine allowance coverage of up to S$2,000 (S$100 for every 24 hours)

- Overseas Medical Expenses coverage of up to S$20,000

Emergency medical evacuation coverage starts from S$250,000 (Lite plan) to unlimited (Prestige plan)  Trip Interruption coverage up to S$2,000


During your trip

  • Be mindful of restrictions and requirements in the country you’re visiting. For instance, you may need a special pass or have to do an antigen rapid test to visit tourist attractions, so factor these costs in your budget. (Pregnant and travelling? Here are some travel tips for mums-to-be.)
  • Follow rules. Be it temperature taking at your hotel check in, keeping to the safe distance requirement or wearing a mask indoors, stick to the local public health rules for safe fun


Returning to Singapore

  • Take a pre-departure polymerase chain reaction (PCR) test at an MOH-recognised overseas COVID-19 testing facility not more than 48 hours before your flight departs.
  • Take your second on-arrival PCR test at Changi Airport. To minimise your time spent at the airport, pre-book and pay for your test here.
  • Head to your self-isolation accommodation (your home or approved hotel) by private transport, taxi or private hire car. Stay put until you receive a negative PCR test result notification (within 24 hours).

Note that the requirements and steps to follow for your return trip to Singapore may change. For  the latest updates, click here


Looking for travel insurance that gives COVID-19 coverage? Get a quote now.



The above information is accurate as of 30 November 2021.

Enjoy reading our articles?

Subscribe to Money Banter to receive useful tips and guides on insurance and offers on products and services.

Thank you for your submission. 

By clicking “Submit”, you consent to Singapore Life Ltd. (“Singlife”) and Singlife related companies contacting you to provide you with information concerning Singlife and Singlife related companies’ products and services and special offers which may be of interest to you.
For details of Singlife's Data Protection Policy, please refer to singlife.com/pdpa. To withdraw your consent at any time, please call Singlife at +65 6827 9933.

Important Information

Money Banter (the "Portal") is for general information only and does not take into account the specific investment objectives, financial situation, health condition and needs of any particular person. The contents of this Portal are intended merely for educational purposes and should not be construed as the giving of advice or the making of a recommendation. Nothing contained in this Portal shall constitute a distribution, an offer to sell or the solicitation of an offer to buy. We recommend that you discuss any specific matters with your financial adviser representative or legal adviser before making any decision. You are responsible for your own medical care, treatment and oversight, and any health-related content on this Portal, including, text, treatments, dosages, outcomes, charts, profiles, graphics, images, messages and forum postings are strictly information to promote general understanding of certain health topics only, do not constitute the providing of medical advice, and should not be relied upon as a substitute for professional medical advice, diagnosis or treatment. Always seek advice from a physician or other qualified health care provider regarding your medical condition or treatment and before undertaking a new health care regimen. This Portal may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse such information or third party websites nor recommend or endorse any specific tests, physicians, products, procedures, opinions or other information. While we have taken reasonable care to ensure that the information on this Portal has been obtained from reliable sources and is correct at time of publishing, information may become outdated and opinions may change. Except to the extent prohibited by any law, we are not liable for any loss (including direct, indirect and consequential loss, loss of profits, loss or corruption of data or economic loss of any kind) that may result from the access or use of or reliance on the information on this Portal.  | Terms of Use | Data Protection Policy

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.