Updated September 29, 2026 · AssureCue Editorial Team
Explorer Travel Insurance vs Income Insurance
What sets them apart
| Compare |  Explorer Travel Insurance |  Income Insurance |
|---|---|---|
| Insurance types | Travel | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more |
| Provider type | Broker | Insurer |
| Excess from | £0 | SGD 250 |
| Claims channels | Phone, Email | Phone, Email, Online form, Mobile app, Customer portalCovers more |
| Age range | Single trip no max; annual to 79 | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Premium from | Not confirmed | SGD 0.60 |
| Cover limit | Not confirmed | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
Our verdict on each
Explorer Travel Insurance
Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | Explorer Travel Insurance | Income Insurance |
|---|---|---|
| Cost | 9.6HigherExcess sits at £0 which supports low extra cost at claim stage. | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 8.4Cover stays centred on travel across travel with defined age terms. | 9.6Higher |
| Trust | 8.7Broker status is stated as broker under licence 583108. | 9.5Higher |
How they place
| Ranking | Explorer Travel Insurance | Income Insurance |
|---|---|---|
| Travel insurance | 5 of 291 | 11 of 291 |
Which one suits you
Pick Explorer Travel Insurance if cost matter most.
Pick Income Insurance if offer, trust, insurance types, and claims channels matter most.
Every fact side by side
| Fact | Explorer Travel Insurance | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Legal entity | Not confirmed | Income Insurance Limited |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Business insurance
| Fact | Explorer Travel Insurance | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
Pros and cons
Explorer Travel Insurance
Pros
- Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
- Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
- Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
Cons
- Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
- Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
- Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
Explorer Travel Insurance
Who it suits
- Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
- Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.
Who should look elsewhere
- Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
- Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | Explorer Travel Insurance | Income Insurance |
|---|---|---|
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| Singapore | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Explorer Travel Insurance
What excess applies to Explorer Travel Insurance?+
Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.
Does Explorer Travel Insurance cover anything besides travel?+
Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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