Updated September 28, 2026 · SumCue Editorial Team
Income Insurance vs WorldTrips
Income Insurance
Higher score in this comparison
WorldTrips
Where Income Insurance and WorldTrips differ
| Compare | Income InsuranceReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| 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).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Income Insurance scores higher overall: 9.4 vs 9.3.
- 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 is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
WorldTrips
WorldTrips is a US insurer aimed at expats, selling travel medical cover where the largest plan pays USD 2,000,000 overall maximum (Atlas Travel). Support runs on email, phone and help centre and claims on Member Portal (DocuSign), mail and fax, so it suits people who want direct cover with a big ceiling.
Score breakdown
| Area | Income Insurance | WorldTrips |
|---|---|---|
| Cost | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. | 9.6HigherCost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 9.5Higher | 9.1 |
| Trust | 9.5Higher | 9.3 |
Choosing between them
Pick Income Insurance if offer and insurance types matter most.
Pick WorldTrips if cost matter most.
Where each is licensed and available
| Country | Income Insurance | WorldTrips |
|---|---|---|
| United States | Not confirmed |
Additional countries for Income Insurance: 1. Additional countries for WorldTrips: 1.
How they place
| Ranking | Income Insurance | WorldTrips |
|---|---|---|
| Insurance | 15 of 627 | 22 of 627 |
| Travel insurance | 8 of 278 | 14 of 278 |
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 |
Pros and cons
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
WorldTrips
Pros
- It is the insurer itself rather than a broker or a comparison site (insurer).
- The largest plan pays USD 2,000,000 overall maximum (Atlas Travel), a high ceiling for a medical bill abroad.
- Claims can be filed on Member Portal (DocuSign), mail and fax, including a Member Portal with DocuSign.
Cons
- The range is travel only, so there is no auto, home or life cover here.
- Applicants past a certain age are capped at a much smaller policy maximum, so older travellers get a thinner ceiling.
- Support runs on email, phone and help centre only, with no live chat or branch counter.
Who each suits
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
WorldTrips
Who it suits
- Expats and people relocating who need medical costs covered away from home.
- Travellers who want a high benefit ceiling and a direct insurer to deal with.
- Anyone who prefers a US insurer holding a California non-resident producer licence.
Who should look elsewhere
- Linxea, which covers life and is the pick if you want life cover rather than expat medical.
- Euroasia Insurance, which covers auto, home and travel, if you need auto or home cover alongside travel.
- Oney Préstamos ES, which covers health, life and gadget, if health or gadget cover at home is the real need.
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
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
WorldTrips
What does WorldTrips actually insure?+
WorldTrips is an insurer rather than a broker or a comparison site, and it sells one line of cover: travel medical insurance aimed at expats. That means medical care and treatment abroad, not your car, your home or your belongings. It has been trading since 1998 and is based in the US.
How much would a serious claim pay out?+
The largest plan sets an overall ceiling of USD 2,000,000 overall maximum (Atlas Travel), so a major hospital bill abroad is not the thing that limits you. Smaller plans sit lower. You meet the excess first, which runs $0 to $5,000 depending on the plan, before the insurer starts paying the cost.
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