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As expected, you do indeed get a better deal when you buy the group plan as compared to individual single-trip plans per adult. However, there are exceptions like MSIG, Singlife with Aviva and Great Eastern.

It doesn’t make a difference whether you purchase a group plan or multiple single-trip plans individually, each person will end up paying the same.

5. Read travel insurance policy wordings and terms and conditions

Travel insurance is tricky because while every policy is somewhat similar, the differences lie in the nitty-gritty details that can only be found in the depths of wordy T&Cs.

For example, always check that you’re not paying extra to insure trip costs that are already…