Updated September 28, 2026 · AssureCue Editorial Team
Income Insurance vs WorldTrips
Where Income Insurance and WorldTrips differ
| Compare |  Income Insurance |  WorldTrips |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Travel |
| Excess from | SGD 250 | $0 to $5,000 |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | SGD 0.60 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at Income Insurance: 1970 vs 1998.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Audience: only Income Insurance offers Seniors.
- Audience: only WorldTrips offers Expats.
Our verdict on each
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.
WorldTrips
WorldTrips is a US insurer that has traded since 1998, built for expats who need medical cover away from home, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan. The trade-off to weigh is the excess, which runs $0 to $5,000 across plans.
Score breakdown
| Area | Income Insurance | WorldTrips |
|---|---|---|
| Cost | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 9.6HigherSite premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.5Higher | 9.4 |
Side by side, item by item
| Insurance types | Income Insurance | WorldTrips |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
Which one suits you
Pick Income Insurance if offer and insurance types matter most.
Pick WorldTrips if cost matter most.
What we checked
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
How they place
| Ranking | Income Insurance | WorldTrips |
|---|---|---|
| Travel insurance | 11 of 291 | 12 of 291 |
Every fact side by side
| Fact | Income Insurance | WorldTrips |
|---|---|---|
| Audience | Seniors | Expats |
| Legal entity | Income Insurance Limited | WorldTrips Insurance Services |
| Headquarters | Singapore | United States |
| Founded | 1970Lower | 1998 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Business insurance
| Fact | Income Insurance | WorldTrips |
|---|---|---|
| Cover types | Professional indemnity | Not confirmed |
Pros and cons
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.
WorldTrips
Pros
- Built for expats, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan rather than a short trip limit.
- A specialist insurer trading since 1998 and based in the United States.
- Claims can be filed through Member Portal (DocuSign), mail and fax, so a claim does not rest on a single route.
Cons
- The overall ceiling is USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan, so very large medical bills stop at that figure.
- Excess runs $0 to $5,000 across plans, so a claim can leave you funding a share of the bill.
- Support reaches you through email, phone and help centre, with claims handled over Member Portal (DocuSign), mail and fax.
Who each suits
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
WorldTrips
Who it suits
- Expats and long-stay residents abroad whose usual healthcare sits in another country.
- Parents covering a child, since the age rule sets a minimum age and older applicants still qualify, though at a lower policy maximum.
- Travellers who want to start a claim in person, by phone or in writing, through Member Portal (DocuSign), mail and fax.
Who should look elsewhere
- Households wanting auto, home, life or pet cover in the same place: WorldTrips sells travel only, where Good Sam Insurance Agency and bonus.ch list travel with other lines.
- Travellers who need medical sums above the USD 2,000,000 overall maximum (Atlas Travel) ceiling: that is the hard limit on the Atlas Travel plan, so Euroasia Insurance is worth a quote for larger figures.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ 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
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | WorldTrips |
|---|---|---|
| Singapore | Yes | No |
| United States | No | Yes |
Questions about each
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.
WorldTrips
What does WorldTrips actually cover?+
WorldTrips writes travel medical cover aimed at expats. The overall maximum on the Atlas Travel plan is USD 2,000,000 overall maximum (Atlas Travel), so a long hospital stay abroad is covered up to that ceiling rather than to a small trip limit. Exact benefits depend on the plan you pick.
Who is this cover designed for?+
The stated audience is expats, so it suits people whose normal healthcare sits in another country. Family members are covered too: the age rule sets a minimum age for applicants, and older applicants can still buy cover but at a lower policy maximum. Short trips may find the cover broader than needed.
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