msig insurance travel review

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Travel insurance review: Is MSIG travel insurance worth it?

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the three tiers of MSIG TravelEasy insurance plans , the Covid-19 extension as well as the TravelEasy Pre-Ex plans:

Here’s a summary of the Covid-19 extension that applies to single trip policies:

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40 per cent discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in Asean, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page .

As long as the 40 per cent promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

ALSO READ:  What to look out for when buying travel insurance in Singapore (2022)

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities, even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its Covid-19 extension. It’s payout of $65,000 for overseas medical fees due to Covid-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on   MSIG’s travel insurance claims page ). Or you can download it and email MSIG at [email protected]

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within two to three weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their Covid-19 extension is not the most comprehensive in its coverage. 

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too. 

ALSO READ:  Travel insurance: Promo codes for 2022 and 7 more ways to save on it

This article was first published in MoneySmart .

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MSIG Travel Insurance: What's the Deal?

• Travellers who need pre-existing condition coverage
• People seeking adventurous activity or golf coverage
• Lone senior travellers
• Families and groups
• Consumers who need trip inconvenience coverage due to their conditions

MSIG's Travel Pre-Ex plan stands out as being one of three travel insurance policies that offers coverage for pre-existing conditions and offers average coverage for competitive prices. Furthermore, because MSIG's Pre-Ex version offers most of the benefits of the standard TravelEasy plans, value-seeking consumers may find the plethora of miscellaneous benefits a bonus.

Table of Contents

• MSIG Travel Insurance: What You Need to Know
• MSIG TravelEasy Pre-Ex Travel Insurance: For COVID-19 Coverage

Sports Coverage

Notable exclusions, claims information.

• Summary of Coverage

MSIG TravelEasy Pre-Ex Travel Insurance: What You Need to Know

MSIG is one of the three insurers in Singapore offering travel insurance plans that provide coverage for pre-existing conditions. MSIG's TravelEasy and its Pre-Ex add-on plan offer three plans to choose from: Standard, Elite and Premier. In most cases, MSIG's Pre-Ex plans are cheaper than other pre-existing plans on the market by 5-15%. Considering that pre-existing conditions can be expensive to manage, MSIG's pricing can be a welcome change for the financially-burdened traveller who is used to paying high premiums for their condition. This is in contrast to MSIG's base TravelEasy option, which, with the exception annual ASEAN plans, is not as competitively priced.

The TravelEasy Pre-Ex plan includes almost all of the benefits (except COVID-19 coverage) of the TravelEasy plan along with medical coverage for pre-existing conditions. Its medical coverage ranges from S$75,000 for the Standard plan to S$150,000 for the Premier plan, which is around the average compared to the market coverage for pre-existing medical conditions. Trip incovenience benefits are similarly around market average. However, MSIG's TravelEasy plans offer some notable perks in their coverage that are rarely seen all together in other plans. This includes golf and adventure sports coverage and peace of mind benefits like wedding items coverage, passive war medical coverage, terrorism cover, pet care coverage and FDW belongings coverage. However, most of these perks are offered only for the Premier and Elite plan, pricing out those who are looking for budget plans.

There are a couple of drawbacks of the Pre-Ex plans that consumers should be aware of. Firstly, for customers of the Pre-Ex plan, the maximum trip length you can take and still receive coverage is 30 days, so travellers with pre-existing conditions who take long-haul trips may not get enough coverage. Secondly, pre-existing conditions won't be covered if they worsen within 30 days of the departure date and the doctor prescribes further treatment, medication or surgery. Lastly, you will not be able to file a claim for trip inconvenience benefits, such as trip cancellations, due to pre-existing conditions. For consumers looking for trip inconvenience coverage that includes their pre-existing conditions can consider NTUC Income's Enhanced Pre-Ex Plan instead.

MSIG TravelEasy Travel Insurance: For COVID-19 Coverage

If you are looking for a travel insurance plan that is more focused on offering coverage for expenses related to COVID-19 rather than pre-existing conditions, MSIG's TravelEasy insurance plan might be a better option for you. Although MSIG's TravelEasy doesn't provide any coverage for pre-existing conditions, it has one of the most holistic coverage for COVID-19 related trip complications that might prove more useful to some people during the tail's end of this pandemic.

Do ensure that you've taken all of the necessary precautions to adhere to local and international governments' regulations related to COVID-19 and your travels.

You are covered for adventurous activity including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white water rafting, diving and general snow sports (skiing, snowboarding). There is also decent golf coverage for equipment, unused green fees, and hole-in-one. However, you will only get the adventure cover and golf cover for Elite and Premier plans.

MSIG has standard medical and trip/baggage related exclusions. You can't claim for terminal illnesses, mental disorders, pregnancy related expenses that aren't covered by the maternity illness benefit and you can't file any claims if you are travelling for medical purposes. Additionally you will not be covered if you are travelling to compete in professional sports, will do any kind of manual work or will be going on expeditions. You should always double check the policy wording to make sure you know exactly what events you will be covered for.

To submit a claim with MSIG, you can either submit the claim online or download and mail the claim form. For both options you need to have all the appropriate documentation. If you are claiming for loss or damaged items, you have to make a police report within 24 hours of the event and request a copy for your claim submission.

MSIG Travel Insurance Details

It is important to make sure that you are getting the right coverage for your next trip, and that you're not overpaying for coverage. Below, you'll find a summary of MSIG's benefits and premiums for its Pre-Ex plan, as well as how they compare to the industry average. If you would like to compare MSIG to other plans on the market, you can read our top picks of the best travel insurance policies in Singapore here .

All insurance product-related transactions via AMTD PolicyPal Group (including Value Champion) are arranged and administered by Baoxianbaobao Pte. Ltd., our insurance broker and exempt financial adviser licensed and regulated by the Monetary Authority of Singapore. This insurance purchase is powered by Baoxianbaobao Pte. Ltd.

Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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MSIG TravelEasy Travel Insurance Review

• Financially Reviewed by Edward Hee

• Published: 24 December, 2023
• Last Updated: 9 January, 2024

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

When travelling abroad for business or leisure, we are ready to explore new places and enjoy new environments.

We never really think about the negatives of what would happen if something unexpected were to occur.

For this reason, travel insurance are an essential part of your travels.

And MSIG’s TravelEasy with (or without) COVID-19 Cover Travel Insurance could give you a piece of mind.

Here’s our review of MSIG’s Travel Insurance:

Key Features Of MSIG TravelEasy Travel Insurance

MSIG TravelEasy offers some tremendous key features, and when considering your options, it is always important to stay informed and know what you are buying.

• COVID-19 Coverage:  If you are travelling and get affected by COVID-19, MSIG TravelEasy w/ COVID-19 Cover has your back. This includes situations like testing positive, being in close contact with a COVID-19 case, or if a family member is hospitalised due to COVID-19.
• Medical & Travel Assistance:  If you face a medical emergency related to COVID-19 during your trip, MSIG Assist is there to help. Just remember to contact them immediately for any medical claims related to COVID-19.
• Automatic Extension of Cover:  If you cannot complete your journey before your policy ends due to COVID-19-related hospitalisation or quarantine, your cover will automatically extend for up to 30 days without any extra premium.
• Overseas Quarantine Daily Benefit : If you test positive for COVID-19 and have to quarantine, MSIG TravelEasy will pay a daily benefit for each complete 24-hour period of quarantine or isolation.
• Travel Cancellation & Postponement:  If you have to cancel or postpone your trip due to COVID-19, like testing positive or being denied boarding due to symptoms, MSIG TravelEasy will cover the costs under certain conditions.
• During Trip Benefits:  MSIG TravelEasy extends medical and travel assistance for COVID-19-related issues during your trip.

Comparison Against Other Single-Trip Travel Insurance Policies

In this section, the insurers that we’re comparing MSIG TravelEasy Insurance against its competitors:

• AIG Travel Guard Direct
• AIA Around the World Plus (II)
• Allianz Travel Bronze
• Klook TravelCare
• Singlife Travel Insurance
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance
• Etiqa TIQ Travel Insurance (with COVID-19 cover)
• FWD Travel Insurance Plan

The basis for this comparison will be the coverage for an individual travelling to ASEAN for a week and the lowest-tiered plan across all insurers.

• Total Premium : MSIG TravelEasy Standard’s premium is $37.20, which is moderately priced compared to others. The cheapest is Klook TravelCare Lite at $27.65, while the most expensive is AIG Travel Guard Direct Basic at $83.00.
• Overseas Medical Expenses : MSIG offers $250,000, which is the highest, matching the coverage offered by NTUC Income and Singlife.
• Accidental Death and TPD : MSIG’s coverage of $150,000 is substantial, higher than most except for Sompo Travel , FWD, and TIQ, which offer $200,000.
• Overseas Travel Delay : MSIG provides $500 for every 6 hours of delay, which is average compared to others. AIA Around the World Plus (II) Classic and NTUC Income offer the highest at $1,000.
• Trip Cancellation : MSIG’s coverage of $5,000 is quite standard, similar to most other insurers.
• Baggage Delay : MSIG offers $600 for every 6 hours, which is higher than the standard $200 or $400 offered by others but lower than Sompo Travel’s $1,200.
• Baggage Loss/Damage : MSIG’s coverage of $3,000 is common among most plans.
• Cost-to-Benefit Ratio : MSIG’s ratio is 10997.31, which is lower compared to others, indicating a less favorable cost-to-benefit balance. The highest ratio is seen in Klook TravelCare Lite at 12,976.49, and the lowest in AIG Travel Guard Direct Basic at 671.08.

In summary, MSIG TravelEasy Standard offers competitive coverage in most categories, with particularly strong offerings in Accidental Death and TPD coverage.

Its total premium is reasonable, though not the cheapest, and its cost-to-benefit ratio suggests a less favorable balance compared to some other options.

Comparison Against Other Annual-Trip Travel Insurance Policies

Next up, let’s compare the insurers for annual trips. (We’ve removed Sompo Travel Insurance here because they do not offer travel insurance for annual trips).

The basis for this comparison will be the coverage for a single individual travelling to ASEAN for an annual trip and the lowest-tiered plan across all insurers.

Here’s what we found:

• Total Premium : MSIG TravelEasy Standard’s premium is $447.20, which is moderately priced. The cheapest is Etiqa TIQ Travel Insurance Entry at $369.00, and the most expensive is Allianz Travel Bronze at $570.60.
• Overseas Medical Expenses : MSIG offers $250,000, which is among the highest, matched by NTUC Income and Singlife but surpassed by FWD Travel Insurance Premium and Etiqa TIQ.
• Accidental Death and TPD : MSIG’s coverage of $150,000 is substantial, equal to AIA Around the World Plus (II) Classic.
• Overseas Travel Delay : MSIG provides $500 for every 6 hours of delay, which is average. The highest coverage is offered by AIA Around the World Plus (II) Classic and NTUC Income at $1,000.
• Baggage Delay : MSIG offers $600 for every 6 hours, which is higher than the standard $200 or $500 offered by others but lower than AIA Around the World Plus (II) Classic’s $1,000.
• Cost-to-Benefit Ratio : MSIG’s ratio is 914.80, which is relatively high, indicating a more favourable cost-to-benefit balance compared to some options like AIG Travel Guard Direct Basic (100.54) but lower than Etiqa TIQ (1104.34) and FWD (1008.59)

In summary, MSIG TravelEasy Standard offers competitive coverage in most categories, with particularly strong offerings in Overseas Medical Expenses and Accidental Death and TPD coverage. Its total premium is reasonable, and its cost-to-benefit ratio is relatively high, making it a favourable option among the annual travel insurance plans compared.

Who Is MSIG TravelEasy Travel Insurance Best Suited For

MSIG TravelEasy is particularly well-suited for a specific segment of travellers who prioritise comprehensive coverage in key areas over cost.

This plan is ideal for:

Frequent Travellers and Families:  With high coverage limits for overseas medical expenses, accidental death, and total permanent disability (TPD), MSIG TravelEasy is a strong choice for frequent travellers and families who seek extensive protection. The high medical coverage is particularly beneficial for destinations where medical costs can be excessive.

Adventure Seekers:  The plan covers a range of adventurous activities (under the Adventurous Activities Cover), making it a good option for those who engage in such activities during their travels.

Travellers Seeking Comprehensive Coverage:  Individuals prioritising a wide range of protections, including high coverage for medical expenses and accidental death, will find this plan appealing. It’s also beneficial for those who want additional terrorism and passive war coverage.

Travellers to Remote or High-Risk Destinations:  Given its extensive medical and evacuation coverage, this plan is well-suited for travel to remote or high-risk areas where medical facilities may be limited and evacuation might be necessary.

However, it’s less suited for

Budget Travellers:  Those looking for the most cost-effective option might find the premium slightly higher compared to basic plans from other insurers.

Travellers Seeking Minimal Coverage:  For those who travel light or do not require extensive coverage, especially in areas like baggage loss or delay, there might be more suitable, less comprehensive options.

My Review of the MSIG TravelEasy Travel Insurance

So, after extensive research and comparison with other travel insurance policies in Singapore, MSIG TravelEasy stands out as one of the best policies for frequent travellers and travellers going on adventurous journeys.

With MSIG TravelEasy, your premiums are manageable, so you get value for your money, and paying for premiums doesn’t break your bank account.

It offers a good balance between coverage and price – especially if you’re looking to overseas medical and accidental death & TPD coverage.

While MSIG TravelEasy is a well-rounded travel insurance policy, it’s always important to remember that there are other policies on the market that may be more suited to your needs.

What works for one might not be the best fit for another.

For example, if you’re looking for something really basic – then this isn’t for you. You’re better off saving some money on a policy that’s cheaper while covering you for what you need.

To ensure you’re making the most informed decision, take a moment to explore and compare various travel insurance options.

Dive into these comprehensive guides to get a clearer picture of what’s available:

• Best Annual Travel Insurance in Singapore
• Best Travel Insurance in Singapore

You can find the perfect travel insurance tailored to your needs and adventures by comparing different policies.

Criteria For MSIG TravelEasy Travel Insurance

To qualify for MSIG TravelEasy Travel Insurance, applicants typically need to meet the following requirements:

• Have a valid NRIC or FIN
• Be at least 16 years old at the time of purchase (only required if you’re the applicant)
• The insurance is designed for travellers on single or multiple trips throughout the year (annual plans). The duration of each trip under the annual plan is usually capped (e.g., 90 consecutive days per trip).
• Declare Health & Pre-existing Conditions
• The insurance is typically available for leisure or business travel. However, additional terms or exclusions may apply if the trip involves high-risk activities or destinations.
• The policy should be purchased before the commencement of the trip. The policy must be bought a specified number of days before the travel start date for certain benefits like trip cancellation.
• Applicants must agree to the policy’s terms and conditions, including any exclusions or limitations of coverage.

Benefits Summary

Individual & corporate policyholder summary of cover & limits.

Applicable to TravelEasy Single return trip or Annual plan cover.

Click to enlarge

The following is the COVID-19 Cover Benefits for individual policyholders:

The following is the COVID-19 Cover Benefits for corporate policyholders:

They are subject to the conditions and exclusions specified in the policy. 

The limits specified are sub-limits of the limits specified in the main policy for the same sections. 

Premium Rates (Single Trip)

Here are the prices for both single trip (7 days) & annual plans for ASEAN and Global coverage for a 25-year-old Singaporean.

Prices are before any discounts.

These benefits are specific to the COVID-19 Cover.

They are subject to the conditions and exclusions specified in the policy.

The limits specified are sub-limits of the limits specified in the main policy for the same sections.

All sums are in Singapore dollars.

Premiums Rates (Annual Plans)

Benefits explained for msig traveleasy travel insurance, section 1: accidental death & permanent total disability.

MSIG TravelEasy will pay the compensation for Death or Permanent Total Disability if an insured person suffers an injury during the journey, which, within 12 calendar months of its happening, is the only cause of death or disability.

What is Covered

• If you suffer an injury during your journey that leads to death within 12 months of the incident, MSIG TravelEasy will compensate you 100% of the limit for this section.
• In the case of Permanent & Total Disability, where you cannot engage in any business, profession, or occupation for life, you’ll receive 100% compensation. This cover is valid if the disability persists for 12 months from the injury date.
• If you lose sight completely in both eyes, you are entitled to 100% compensation.
• The loss of 2 or more limbs (permanent and total loss of use or complete physical severance) also qualifies for 100% compensation.
• If you lose sight in 1 eye and lose 1 limb, you’ll receive 100% compensation.
• Losing 1 limb entitles you to 50% compensation.
• Total and irrecoverable loss of sight in 1 eye qualifies for 50% compensation.
• “Loss of Limb(s)” means permanent and total loss of use or loss by complete and permanent physical severance of a hand at or above the wrist or a foot at or above the ankle.
• If the insured person suffers an injury resulting in more than 1 of the results described above, MSIG will pay the maximum of 100% of the limit in this section.

Coverage Structure

What is Not Covered

Specific exclusions for this section will be covered later on.

Section 2: Public Transport Double Cover

If you, as a fare-paying passenger, suffer an injury on public transport outside of Singapore during your journey and this injury is the sole cause of death within 12 months, MSIG TravelEasy offers double the death compensation limit of Section 1.

This double cover does not apply to the Standard Plan or any insured person aged 70 or above.

In case of a claim that falls under both Section 1 (Accidental Death & Permanent Total Disability) and this section, MSIG TravelEasy will compensate under either 1 of the sections, but not both.

Section 3: Funeral Expenses Due To Accidental Death

Suppose the insured person suffers an injury during the journey outside Singapore, which, within 12 calendar months of its happening, is the only cause of their death. 

In that case, MSIG TravelEasy will reimburse the reasonable expenses for their funeral or burial. 

The maximum MSIG TravelEasy will pay under this section is as follows:

What is Not covered 

Please see the section on exclusions.

Section 4: Child Education Grant

This benefit applies if an adult insured person suffers an injury during the journey outside Singapore which, within 12 calendar months of its occurrence, is the sole cause of their death. 

The policy will pay a specified amount to each of the deceased adult’s insured persons’ biological or legally adopted children. 

The Standard Plan does not cover this benefit. 

For exclusions, please refer to the policy’s exclusion section.

Section 5: Family Assistance Benefit

If you, as an insured person, unfortunately, pass away due to an injury sustained during your journey outside Singapore, MSIG TravelEasy provides a Family Assistance Benefit. 

This applies if the death occurs within 12 months of the injury and is directly caused by it.

• The benefit does not apply if the death is not directly caused by the injury sustained during the journey.
• Specific exclusions will be detailed in the general exclusions section of the policy.

Section 6: Overseas Medical Expense

MSIG TravelEasy covers medical, surgical, nursing, or hospital charges incurred outside Singapore due to injury or illness during the journey, as deemed medically necessary by a doctor.

Costs for dental treatment, mobility aids, or prostheses are not covered.

• The policy has specific exclusions for certain illness or injury causes, which will be detailed in the general exclusions section.
• The maximum limit for sections 6 to 11, including extension under section 52 (Pre-Ex Critical Care), will not exceed the maximum limit under section 6.
• For claims under Pre-Ex Standard, Pre-Ex Elite, or Pre-Ex Premier plan due to pre-existing medical conditions, payments are based on the sub-limits stated under section 52.

Section 7: Emergency Dental Expenses

MSIG TravelEasy Emergency Dental Expenses coverage is designed to provide financial assistance for emergency dental treatments due to injuries sustained during your journey. 

This includes treatments for restoring healthy and natural teeth or repairing a fractured jaw. 

The coverage applies to treatments received outside and within Singapore (subject to conditions).

• Outside Singapore:  If you require emergency dental treatment while abroad due to an injury, MSIG TravelEasy will cover the expenses.
• Upon Return to Singapore:  If you didn’t receive dental treatment abroad, or if further treatment is needed after returning to Singapore, MSIG TravelEasy will cover the expenses up to 30 days after your return. However, you must seek the first dental treatment in Singapore within 72 hours of your return.
• MSIG TravelEasy does not cover treatment costs related to gum diseases, tooth decay, dentures, implants, crowns, bridges, or the use of precious metals.
• Routine dental care and non-emergency procedures are not included.
• The policy has specific exclusions for certain dental conditions and treatments, which will be detailed in the general exclusions section.
• The maximum limit for sections 6 to 11, including extension under section 52 (Pre-Ex Critical Care), will not exceed the maximum limit under section 6 – Overseas Medical Expenses.

Section 8: Medical Expenses In Singapore

MSIG TravelEasy provides coverage for medical expenses incurred in Singapore as a continuation of treatment for an injury or illness suffered during an overseas journey. 

This coverage is applicable for up to 30 days after the insured person returns to Singapore.

• Continuation of Overseas Treatment:  If you received medical treatment for an injury or illness during your journey, MSIG TravelEasy will cover the continued medical expenses upon your return to Singapore.
• Initial Treatment in Singapore:  If you did not receive medical treatment outside Singapore, you must seek medical treatment in Singapore within 72 hours of your return. MSIG TravelEasy will cover further medical expenses up to 30 days after your return.

Coverage structure

• MSIG TravelEasy does not cover costs for dental treatment, mobility aids, or prostheses under this section.
• The policy has specific exclusions for certain medical conditions and treatments, which will be detailed in the general exclusions section.

Section 9: Mobility Aid Reimbursement

MSIG TravelEasy covers the necessary expenses incurred for purchasing mobility aids as prescribed by a doctor due to an injury suffered during an overseas journey. 

Mobility aids include crutches, wheelchairs, or walkers but do not cover prostheses.

• MSIG TravelEasy does not cover the cost of prostheses under this section.
• The policy has specific exclusions for certain conditions and situations, which will be detailed in the general exclusions section.

Section 10: Traditional Chinese Medicine Expenses

MSIG TravelEasy offers coverage for the cost of traditional Chinese medical treatment (TCM) by a TCM practitioner, which is necessary for injuries and illnesses suffered during an overseas journey. 

This coverage also extends to TCM treatments received in Singapore as a continuation of the overseas treatment, limited to 30 days after the insured person’s return to Singapore.

• Overseas Treatment:  If you receive TCM treatment during your journey, MSIG TravelEasy will cover the expenses.
• Treatment in Singapore:  If TCM treatment is not first received outside Singapore, you must seek TCM treatment in Singapore within 72 hours of your return. 

MSIG TravelEasy will cover these expenses up to 30 days after your return.

• MSIG TravelEasy has specific exclusions for certain conditions and situations, which will be detailed in the general exclusions section of the policy.

Section 11: Maternity Medical Expenses Overseas

MSIG TravelEasy covers necessary medical expenses incurred outside Singapore for pregnancy-related illnesses the adult insured person suffers during an overseas journey.

• The first trimester of pregnancy (0 to 12 weeks).
• Ectopic pregnancy, childbirth, or stillbirth.
• Care and treatment for the newborn.
• Abortion or miscarriage unless due to an injury.
• Tests or treatments related to fertility, contraception, sterilisation, birth defects, or congenital disorders.
• Perinatal mental illnesses such as depression or anxiety disorders.
• Treatment for pregnancy is conceived through medical assistance.
• Medical expenses incurred in the country where the insured person is a citizen or permanent resident.

Section 12: Overseas Hospitalisation Daily Benefit

• This cover provides financial support for each complete 24-hour period an insured person spends in a hospital outside Singapore. 
• This coverage is activated when the insured person requires hospitalisation due to an injury or illness incurred during their overseas journey. 
• It’s important to note that this benefit applies to stays in a registered hospital where the insured person is admitted as an inpatient based on medical necessity and under a doctor’s recommendation. 
• The coverage is specifically for stays in standard hospital wards. 
• Additionally, while receiving benefits under this section, the insured person will not be eligible for benefits under section 13, which pertains to Overseas ICU Hospitalisation Daily Benefit.
• The benefit is only for stays in a regular hospital ward.
• No benefit will be paid under Section 13 – Overseas ICU Hospitalisation Daily Benefit during the period the insured person is paid under this section.
• Specific exclusions for certain conditions and situations will be detailed in the general exclusions section of the policy.

For detailed exclusions related to this section, it is advised to refer to the specific exclusions section of the policy document.

Section 13: Overseas ICU Hospitalisation Daily Benefit (MSIG TravelEasy)

MSIG TravelEasy provides a daily benefit for each complete 24-hour period of an insured person’s stay in an Intensive Care Unit (ICU) outside Singapore due to an injury or illness suffered during the overseas journey. 

This coverage applies when the insured person is admitted as a registered inpatient in an ICU on the advice of a doctor.

• The benefit is only for stays in an ICU.
• No benefit will be paid under Section 12 – Overseas Hospitalisation Daily Benefit during the period the insured person is paid under this section.

Section 14: Hospitalisation Daily Benefit In Singapore (MSIG TravelEasy)

MSIG TravelEasy offers a daily benefit for each complete 24-hour period of hospital stay in Singapore if the insured person is hospitalised within 24 hours after returning to Singapore due to an injury or illness suffered during the overseas journey. 

This coverage applies when the insured person is admitted as a registered inpatient in a hospital on the advice of a doctor.

Specific exclusions for certain conditions and situations will be detailed in the general exclusions

Section 15: Medical & Travel Assistance Services (MSIG TravelEasy)

MSIG TravelEasy offers various medical and travel assistance services through their appointed assistance company. 

These services are accessible to insured persons, but it’s important to note that all costs and expenses, including telecommunication charges, are the insured’s responsibility.

Overview of Services

• The insured person is responsible for all costs and expenses for the services listed.
• General exclusions applicable to these services.

Section 16: Emergency Medical Evacuation & Repatriation (MSIG TravelEasy)

MSIG TravelEasy offers extensive support and coverage for situations requiring emergency medical evacuation and repatriation due to serious medical conditions encountered during overseas travel. 

This section addresses emergencies where the insured needs immediate medical attention or repatriation.

Detailed Coverage Structure:

Emergency Medical Evacuation:

• Scope : In case of a severe injury or illness during the journey, MSIG TravelEasy organises and covers the cost of transportation (air, land, or sea) to the nearest hospital where appropriate medical care is available.
• Decision Making:  MSIG TravelEasy, considering all known facts and circumstances, decides the evacuation destination and the transport method.
• Coverage Limit: Up to $1,000,000 per insured person.

Sending Home After Medical Evacuation:

• Scope : If deemed medically necessary, MSIG TravelEasy arranges and pays for the insured person’s return to Singapore following an emergency evacuation. This includes scheduled airline flights (economy class) or other suitable transportation methods.
• Ticket Utilisation:  The insured person must surrender any unused portion of their original ticket to MSIG TravelEasy.
• Additional Costs : Covers extra transportation costs to and from the airport if the original ticket is invalid.

Sending Home Mortal Remains:

• Scope : In the unfortunate event of the insured person’s death overseas, MSIG TravelEasy makes all necessary arrangements (including meeting local formalities) for sending the body or ashes back to Singapore.
• Coverage Limit : Included within the overall limit of $1,000,000.

Maximum Coverage Limit:

• The total coverage for all services under sections 16 to 19 is capped at $1,000,000 per insured person for any journey, regardless of the number of events involved.

Sub-limits for Pre-Existing Conditions:

• For claims related to pre-existing medical conditions under the Pre-Ex Standard, Elite, or Premier plans, payments are based on the sub-limits specified in section 52 – Pre-Ex Critical Care.
• MSIG TravelEasy does not cover expenses for services not arranged or approved by them.
• Any costs exceeding the maximum limit of $1,000,000 per insured person per journey.

Section 17: Compassionate & Hospital Visit (MSIG TravelEasy)

MSIG TravelEasy offers coverage for one immediate family member’s travel and accommodation expenses.

This coverage starts when the insured person is hospitalised outside Singapore for more than five days without any adult family member present or in the event of the insured person’s death due to injury or illness during the journey.

The coverage includes reasonable expenses for economy air travel or first-class rail travel and accommodation.

It applies when no adult family member is accompanying the hospitalised insured person.

Maximum Coverage Limit: 

The total coverage for all services under sections 16 to 19 is capped at $1,000,000 per insured person for any journey, irrespective of the number of events involved.

Expenses for services not arranged or approved by MSIG TravelEasy are excluded. 

Specific exclusions applicable to this section will be detailed in the policy document.

For complete details, benefits, limits, and exclusions of Section 17, it’s essential to refer to the actual MSIG TravelEasy policy document. 

The above information provides a summarised overview of the coverage offered under this section.

Section 18: Child Guard (MSIG TravelEasy)

MSIG TravelEasy’s Child Guard section provides coverage for the travel and accommodation expenses of a family member or relative. 

This support is provided when an adult insured person is hospitalised outside Singapore due to injury or illness and cannot accompany their children, who are also on the journey.

The coverage includes reasonable costs for economy air travel or first-class rail travel and accommodation for the family member or relative who travels to accompany the children. 

This ensures that the children are safely returned to Singapore in the absence of the hospitalised adult insured person.

The overall maximum coverage for all services under sections 16 to 19 is limited to $1,000,000 per insured person for any single journey. 

This cap applies irrespective of the number of events involved.

MSIG TravelEasy specifies that expenses for services not arranged or approved by them are excluded from this coverage. 

The policy document will also detail specific exclusions applicable to this section.

Section 19: Emergency Telephone Charges (MSIG TravelEasy)

Section 20: insolvency of licensed travel operator (msig traveleasy), section 21: travel cancellation (msig traveleasy), section 22: travel postponement (msig traveleasy).

MSIG TravelEasy provides coverage for reasonable additional travel expenses to reschedule the insured person’s journey if it is unexpectedly and unavoidably postponed due to specific covered reasons occurring within 30 days before the journey’s start but after purchasing the insurance.

Coverage is for additional travel expenses due to unexpected and unavoidable postponement of the journey.

Covered reasons include

• Death, serious injury, or illness of the insured person or their family member/travel companion.
• Being called as a witness in a Singapore court.
• Homes or businesses in Singapore are becoming uninhabitable or seriously damaged.
• Unexpected strikes, industrial action, riots, civil commotions, natural disasters, airport/airspace closures.
• Denial of boarding due to infectious disease symptoms.

Policy Termination:

• Policy ends for the insured person who postpones the trip after a claim is made under this section.
• The policy continues for other insured persons who continue with the trip.

Claim Limitation:

• Only 1 claim is payable under Sections 20, 21, 22, or 23 if they result from the same event.

MSIG TravelEasy specifies that expenses and losses not covered by this section will be detailed in the policy document’s exclusions section.

In a single return trip policy, once a claim is made for travel postponement under this section and the trip is postponed, the policy will immediately end for the insured person who postpones the trip. 

The policy remains in force for other insured persons who continue with the trip.

Section 23: Replacement Of Traveller (MSIG TravelEasy)

Section 24: replacement of employee (msig traveleasy - corporate policyholders only).

MSIG TravelEasy’s Section 24 covers the insured person’s employer for replacement expenses to send a substitute employee. 

This coverage is activated if the insured person either passes away during the trip, suffers an injury or illness leading to hospitalisation for more than seven days, or is confirmed by a doctor to be unable to perform work duties for more than seven days.

Coverage Details

• Replacement Expenses:  Includes all reasonable and necessary expenses for sending a substitute employee. This includes economy return air tickets and accommodation expenses for the substitute employee to travel to the location where the original insured person was carrying out their work duties.
• Travel and Accommodation Class:  The transportation and accommodation booked for the substitute employee must not be higher in class or category than that of the insured person.
• Itinerary Requirements:  The itinerary of the substitute employee must be similar to and no longer than the original insured person’s duration.

Documentation :

Claims under this section must include supporting documents such as proof of payments made by the policyholder, letters of appointment, and employment contracts.

The policy document’s exclusions section will detail specific exclusions applicable to this section.

Section 25: Delayed Departure (MSIG TravelEasy)

MSIG TravelEasy provides coverage for delays in public transport departure due to reasons like strikes, industrial action, riots, civil commotion, poor weather conditions, natural disasters, mechanical breakdowns, or closure of airport or airspace.

Benefits Offered:

• Delay Benefit:
• MSIG TravelEasy will pay $100 to each insured person for every full 6 hours of continuous delay.
• The delay period is calculated from the scheduled departure time to the actual departure time of the replacement flight.
• Alternative Travel Arrangement:
• Suppose the insured person books alternative transportation to the same destination that departs earlier than the next available scheduled departure. MSIG TravelEasy will cover the additional administrative or travel expenses incurred in that case.
• The maximum reimbursement under this option will not exceed the amount payable under the Delay Benefit, less any refund recovered.

Claim Eligibility:

• To qualify for a claim, the insured person must have checked in as per the original itinerary and received written confirmation from the carrier or their handling agents stating the reason and length of the delay.
• If a claim under Section 25 or related sections (26 to 30, 50) results from the same event, MSIG TravelEasy will pay under only 1 of these sections.

Section 26: Flight Diversion (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the insured person’s scheduled flight is diverted due to poor weather conditions, natural disasters, emergency medical treatment for a fellow passenger, or mechanical breakdown of the aircraft, resulting in a delay in reaching the planned destination.

Compensation Details:

• MSIG TravelEasy will pay $100 for every full 6 hours of continuous delay due to flight diversion.
• The delay period is calculated from the scheduled arrival time at the planned destination to the flight’s actual arrival time.

Documentation Requirement:

• The insured person must obtain written confirmation from the carrier, operator, or handling agent stating the reasons and length of the delay.
• If a claim under Section 26 or related sections (25, 27 to 30, 50) results from the same event, MSIG TravelEasy will pay under only one of these sections.

Section 27: Overbooked Flight (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the insured person is denied boarding on a scheduled flight for which they have a confirmed reservation due to overbooking by the travel agent or airline.

• MSIG TravelEasy will pay the specified amount for every full 6 hours of continuous delay due to an overbooked flight.
• If a claim under Section 27 or related sections (25, 26, 28 to 30, 50) results from the same event, MSIG TravelEasy will only pay under one of these sections.

Specific exclusions applicable to this section will be detailed in the policy document’s exclusions section.

Section 28: Missed Travel Connection (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the insured person misses an onward scheduled public transport connection outside Singapore due to the late arrival of their incoming transport. 

This coverage applies when the insured person has a confirmed reservation for the missed connection.

• MSIG TravelEasy will pay the specified amount for every full six hours of continuous delay due to a missed travel connection.
• The delay period is calculated from the actual arrival time of the incoming transport at the transfer point to the actual departure time of the replacement transport.
• If a claim under Section 28 or related sections (25, 26, 27, 29 to 30, 50) results from the same event, MSIG TravelEasy will only pay under one of these sections.

Section 29: Shortening The Trip (MSIG TravelEasy)

MSIG TravelEasy covers unused travel fare, accommodation charges, deposits, and reasonable additional travel expenses if the insured person needs to make a direct trip home due to specific covered reasons occurring during the journey.

Covered Reasons for Shortening the Trip:

• Death, serious injury, or severe illness of the insured person, their family member, or travel companion.
• The insured person or their travel companion is called a witness in a Singapore court.
• The insured person’s home or place of business in Singapore is becoming uninhabitable or seriously damaged.
• Unexpected strike, industrial action, riot, civil commotion, natural disasters, airport/airspace closure, hijacking, or denial of boarding due to infectious disease symptoms at the destination.

Notification Requirement:

• The insured person must immediately notify the tour, public transport, or accommodation provider that a change or cancellation is required.
• If a claim under Section 29 or related sections (25, 26, 27, 28, 30, 50) results from the same event, MSIG TravelEasy will pay under only one of these sections.

Section 30: Travel Disruption (MSIG TravelEasy)

MSIG TravelEasy provides coverage for additional travel expenses needed to continue the originally scheduled journey if the trip is disrupted due to specific covered reasons.

Covered Reasons for Travel Disruption:

• Unexpected strike, industrial action, riot, civil commotion, natural disasters, airport/airspace closure, hijacking, or fire at the accommodation at the destination.
• Denial of boarding of public transport due to infectious disease symptoms.
• The insured person must immediately notify the tour, public transport, or accommodation provider upon finding out that a change or cancellation is required.
• If a claim under Section 30 or related sections (25, 26, 27, 28, 29, 50) results from the same event, MSIG TravelEasy will pay under only one of these sections.

Section 31: Automatic Extension Of Cover (MSIG TravelEasy)

MSIG TravelEasy ensures that the policy coverage is automatically extended without any additional premium under certain circumstances if the insured person cannot complete their homeward journey before the policy’s end date.

The coverage extension is provided under 2 specific conditions:

• Public Transport Delay:
• If any public transport in which the insured person is travelling as a fare-paying passenger is delayed, the cover will be extended for up to 14 days.
• Injury or Illness Prevention:
• Suppose the insured person’s intended return journey is prevented due to their injury or illness arising from a cause covered under the policy. The cover will be extended for up to 30 days in that case.

Section 32: Delayed Baggage (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the insured person’s checked-in baggage is temporarily lost or misdirected by the carrier and not returned within six hours after arrival at the baggage pick-up point of the scheduled overseas destination.

• MSIG TravelEasy will pay the specified amount for every total six hours of continuous delay in receiving the checked-in baggage.
• If the baggage is delayed on arrival in Singapore, the maximum sum payable is $200, provided a minimum period of six hours of delay has elapsed.

Claim Conditions:

• Only one baggage delay claim will be paid per insured person, regardless of the number of baggage pieces delayed or the number of insured persons sharing one piece of delayed baggage.
• Any payment will be deducted from the amount payable under Section 33 – Baggage if the baggage is later found to be permanently lost.
• The insured person must obtain written confirmation from the carrier, operator, or their handling agents stating the reason and length of the delay.

Section 33: Baggage (MSIG TravelEasy)

MSIG TravelEasy covers accidental loss or damage to personal baggage, including clothing, personal belongings, one laptop computer, and one mobile device owned or taken by an insured person during the journey outside Singapore.

Coverage Details:

• Jewellery, laptop computers, and mobile devices must be carried as hand luggage; loss or damage to these items in checked-in baggage is not covered.
• MSIG TravelEasy may opt to pay for or repair damaged items, considering wear and tear and market value.
• For electronic items bought within one year before the accident, market value loss may not be considered if original receipts are provided.
• If an item is beyond economical repair, it is treated as lost.
• The maximum payment for any single item, pair, or set of items is $500, but up to $1,000 for a laptop computer (one laptop and one mobile device per trip).

Claim Process:

• For loss or damage caused by public transport, accommodation, or service providers, claims must be made to them first. Proof of compensation denial is required when claiming from MSIG TravelEasy.

Items covered under Section 34 – Wedding Clothing and Accessories, Section 35 – Loss of Travel Documents, or Section 42 – Golfer’s Cover are excluded.

• The maximum payment under Sections 33 to 35 combined will not exceed the maximum limit under Section 33 – Baggage.

Section 34: Wedding Clothing & Accessories (MSIG TravelEasy)

MSIG TravelEasy covers accidental loss or damage to bridal and ceremonial clothing, wedding rings, jewellery, and wedding accessories owned, hired, or on loan to the adult insured person for their wedding.

• Includes bridal and ceremonial clothing, wedding rings, jewellery, and accessories to be used by the bride or groom for the wedding ceremony, reception, or overseas wedding photoshoot.
• These items must be transported as carry-on baggage during travel on public transport; loss or damage in checked-in baggage is not covered.
• The maximum payment for any single item, pair, or set of items is $750, or up to 40% of the limit for this section for wedding rings and jewellery.
• If a claim under Section 34 and Section 33 results from the same event, MSIG TravelEasy will pay under Section 34.
• This benefit does not apply to an insured child.

Section 35: Loss Of Travel Documents (MSIG TravelEasy)

MSIG TravelEasy covers the cost of obtaining replacement passports, travel tickets, and other relevant travel documents due to accidental loss or damage while overseas. 

It also covers reasonable additional travel expenses needed to replace lost travel documents if the loss results from robbery, burglary, or theft during the journey outside Singapore.

Reporting Requirement:

• The loss must be reported to the local police at the place of the incident within 24 hours after it occurs.
• Claims must be accompanied by written documentation from the police.

Section 36: Personal Money (MSIG TravelEasy)

MSIG TravelEasy covers the loss of an insured person’s cash, banknotes, or traveller’s cheques for social and domestic purposes. 

The loss must arise from robbery, burglary, or theft while the insured person is outside Singapore during the journey.

Reporting Requirement :

What is Not Covered:

Loss or theft of money while transported as checked-in baggage is not covered.

Section 37: Fraudulent Use Of Credit Card (MSIG TravelEasy)

MSIG TravelEasy covers financial loss resulting from the fraudulent use of the adult-insured person’s personal credit card. 

This coverage applies to unauthorised charges made overseas following the loss of the card due to robbery, burglary, or theft while the adult insured person is outside Singapore during the journey.

• The loss of the credit card must be reported to the credit card issuer within six hours of the robbery, burglary, or theft.
• Failure to report within this timeframe will result in no benefit being paid under this section.
• A claim must be accompanied by a report from the credit card issuer showing the amount of loss and confirming the insured person’s liability for the loss.

Section 38: Credit Card Outstanding Balance (MSIG TravelEasy)

MSIG TravelEasy provides coverage for the outstanding balance on an adult insured person’s personal credit card account. 

This coverage is applicable if the insured person suffers an injury during the journey outside Singapore, which, within 90 days of its occurrence, is the sole cause of their death.

• The policy will pay the outstanding balance on the insured person’s personal credit card account as of the date of the accident leading to their death.

Section 39: Personal Liability (MSIG TravelEasy)

MSIG TravelEasy provides coverage for legal liabilities incurred by the insured person for accidents during the journey outside Singapore, leading to death or injury of others or loss of or damage to others’ property.

• The policy covers legal costs and expenses awarded against or paid by the insured person with MSIG TravelEasy’s written permission.
• The coverage includes compensation for accidents resulting in death or injury to any person and loss of or damage to property belonging to others.

Maximum Payment:

• The maximum payment under this section for any 1 event or series of events from 1 original cause, and in total for all events in any one trip, is specified in the table above.

Specific exclusions applicable to this section will be detailed in the policy document’s exclusions section

Section 40: Legal Expenses For Wrongful Arrest Or Detention (MSIG TravelEasy)

MSIG TravelEasy provides coverage for legal costs and expenses that the insured person is legally obligated to pay due to wrongful arrest or detention by any government or local authority during their journey outside Singapore.

The policy covers legal costs and expenses, including those awarded against or paid by the insured person with MSIG TravelEasy’s written permission.

• The coverage applies to wrongful arrest or detention incidents during the journey.

Maximum Payment

Section 41: Adventurous Activities Cover (MSIG TravelEasy - Elite & Premier Plans Only)

MSIG TravelEasy covers accidental death or injury incurred while participating in or practising certain adventurous activities for leisure and non-competitive purposes. 

The activities must be conducted with a licensed operator, and the insured person must adhere to all safety and health instructions, guidelines, or regulations.

Covered Activities:

• Aerial Activities: Zip-lining, zip-riding, bungee jumping, parasailing, tandem sky diving, tandem paragliding, tandem hang gliding.
• Aerial Sightseeing: Hot-air balloon, helicopter, airplane.
• Water Activities: Canoeing or white-water rafting up to Grade 3, jet skiing, helmet diving, scuba diving (up to the depth of certification, max 30 meters).
• Winter Sports: Ice skating, tobogganing, sledging, snow tube sliding, dog sledding, snow rafting, skiing, snowboarding, snowmobiling (excluding off-piste, ungroomed, unpatrolled areas).
• Hiking and Trekking: Up to 3,000m above sea level.
• Marathon Running: Up to 42.195km.

Section 42: Golfer’s Cover (MSIG TravelEasy)

MSIG TravelEasy covers golf-related incidents, including loss or damage to golfing equipment, non-refundable green fees due to injury or illness, and expenses for a celebratory round of drinks for scoring a hole-in-one.

• Golfing Equipment:  Covers loss or damage to golf clubs and bags. Excludes loss or damage during play or practice.
• Green Fees:  Reimburses non-refundable pre-booked green fees if unable to play due to injury or illness.
• Hole-in-One:  Covers the cost of celebratory drinks for scoring a hole-in-one in an organised event at any 18-hole golf course outside Singapore.
• For golfing equipment, MSIG TravelEasy may opt to pay or repair items, considering wear and tear and market value.
• For hole-in-one claims, written evidence from the golf club official and original receipts for the cost of celebratory drinks are required.
• If a claim under Section 33 – Baggage and Section 42 – Golfer’s Cover results from the same event, MSIG TravelEasy will pay under Section 42.

Section 43: Unused Entertainment Ticket (MSIG TravelEasy)

MSIG TravelEasy covers the cost of any prepaid or unused portion of entertainment tickets meant for use overseas during the trip. 

The coverage applies if the insured person is prevented from using the ticket due to specific reasons occurring within 30 days before or during the trip.

Covered Reasons

• Health Issues:  Death, serious injury, or severe illness of the insured person, their family member, or travel companion.
• Civil Unrest:  Unexpected strike, industrial action, riot, civil commotion at the destination.
• Natural Disasters:  Occurrences at the destination prevent the journey’s start or continuation.
• Transport Issues:  Closing of airport or airspace or denial of boarding due to infectious disease symptoms.
• The insured person must first seek a cancellation refund from relevant parties (e.g., tour operator, event organiser).
• Claims must be submitted with proof or denial of any compensation from these parties.

Section 44: Rental Vehicle Excess (MSIG TravelEasy)

MSIG TravelEasy covers the excess amount an adult insured person must pay under a rental agreement for accidental loss or damage to a rented car or campervan.

Coverage Conditions:

• Rental Requirements:  The vehicle must be rented from a licensed rental agency, and the rental agreement includes an excess (or deductible) condition.
• Driver Eligibility:  The adult insured person must be a named driver or co-driver of the rental vehicle and comply with all rental agreement requirements.
• Driving Conditions:  The insured person must be licensed to drive the vehicle and not participate in speed/time trials or drive under the influence of alcohol or drugs.
• Insurance Requirement:  Full motor insurance against loss or damage to the rental vehicle must be taken as part of the hiring arrangement.

Limitations:

• Coverage is limited to 1 adult insured person per rented vehicle, regardless of the number of insured persons registered to rent or authorised to drive the vehicle.
• The limit for 1 adult insured person applies for the entire trip, irrespective of the number of vehicles rented.
• Loss or damage due to wear and tear, gradual deterioration, insects/vermin, built-in faults, or non-obvious faults/damage.
• Damage to tyres and rims unless it occurs with damage to other parts of the vehicle in the same accident.

Section 45: Returning a Rental Vehicle (MSIG TravelEasy)

MSIG TravelEasy provides coverage for the costs associated with returning a rented car or campervan to the nearest hire depot if the adult insured person, due to injury or illness, is unable to return it personally.

• Rental Agreement:  The insured person must be legally responsible for these costs under the rental agreement.
• Driver Eligibility:  The insured person must be a named driver or co-driver of the rental vehicle.
• Compliance:  All rental agreement requirements must be adhered to by the insured person.

Section 46: Home Contents (MSIG TravelEasy)

MSIG TravelEasy provides coverage for physical loss or damage to the contents of the insured person’s home in Singapore caused by fire or theft (with force and violence) while the home is vacant during the insured person’s trip.

Home Contents Definition:

• Includes household furniture, domestic appliances, audio and video equipment, clothing, and personal belongings owned by the insured person or their immediate family members living with them.
• Excludes deeds, bonds, bills of exchange, promissory notes, cheques, traveller’s cheques, securities, cash, documents, perishable goods, livestock, motor vehicles, bicycles, boats, and accessories.

Coverage Limitations:

• For Platinum, Gold, Silver, etc.: Maximum of $2,000.
• For Any 1 Item: Maximum of $1,000 for any 1 item, set, or pair of items.
• MSIG TravelEasy may opt to pay, reinstate, or repair damaged items, considering wear and tear and market value.
• For electronic items bought within 1 year before the accident, market value loss may not be considered if original receipts are provided.

Section 47: Domestic Pets Care (MSIG TravelEasy)

MSIG TravelEasy covers the additional costs incurred for the continued stay of the insured person’s pet dog or cat at a pet hotel, kennel, or cattery. 

This coverage applies if the adult insured person is unable to return to Singapore on the scheduled date due to injury, illness, or delay of public transport.

• The insured person must provide written confirmation from the pet hotel, kennel, or cattery stating the period of stay, the collection date arranged before the journey, and the extended stay period.
• Proof of delay must be provided, either a medical report for medical reasons covered under Section 6 or written confirmation of transport delay.
• Coverage is limited to 1 insured person per policy, regardless of the number of pets they own.

Section 48: Terrorism Cover (MSIG TravelEasy)

MSIG TravelEasy extends coverage to include losses resulting from acts of terrorism. 

This is an exception to the general exclusion regarding terrorism.

• Exclusions : No coverage is provided for acts of terrorism involving the use of biological weapons, chemical agents, or nuclear devices.
• Coverage Limits:  The policy will pay based on the limits of all other sections.

Group Cover Limit

• For insured persons under group cover, the maximum payout is $5,000,000 for each event involving acts of terrorism, regardless of the transport used on the journey.

Policy Limitation:

• If the insured person is covered under more than 1 policy with MSIG TravelEasy that includes terrorism cover, the maximum payout will be limited to the policy with the highest limit on acts of terrorism.

Section 49: Passive War

As an exception to general exclusion 13(a), we will extend section 1:

Accidental Death & Permanent Total Disability  of this policy to cover the insured person for death or bodily injury which may be suffered through war, riot, revolution or any similar event as long as no state of war exists in the country when the insured person travels there, and that country is not the home of the insured person. 

The insured person must prove that, when suffering the loss, they were in no way directly or indirectly taking part in any of those activities, apart from steps which were reasonably necessary to protect themselves or their property. 

They must also not have been involved in controlling, preventing, suppressing or in any other way dealing or attempting to deal with those events. 

This cover will not apply 30 days after the outbreak of war or any of the events listed during the insured person’s visit to that country. 

Suppose the insured person is insured under more than one policy with us covering passive war extension. 

In that case, the most MSIG TravelEasy will pay for all claims arising directly or indirectly from this will be limited to one policy only (with the highest limit on passive war extension).

Section 50: Hijack Of Public Transport (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the public transport the insured person is travelling is hijacked. 

Compensation is provided every 6 hours if the insured is prevented from reaching their scheduled destination.

• Exclusions: No payment will be made for hijack if the intended destination of the public transport is to or by way of, a country in a state of war.

Additional Information:

If a claim under Section 50 and other specified sections (like Delayed Departure, Flight Diversion, etc.) results from the same event, MSIG TravelEasy will pay for the claim under only 1 of these sections.

Section 51: Kidnap And Hostage (MSIG TravelEasy)

MSIG TravelEasy provides coverage if the insured person is kidnapped or wrongly held, abducted, or restrained by a criminal during the journey outside Singapore.

• Exclusions: The kidnap cannot be committed by any insured person, their family member, travel companion, or close business associate, whether acting alone or with others.
• Reporting: The kidnap must be reported to the local police at the place of the event within 24 hours of the incident ending. Written documents from the police must accompany claims.
• The insured person must prove that they were not directly or indirectly taking part in any of the activities related to the kidnap, apart from steps reasonably necessary to protect themselves or their property.

Specific exclusions applicable to this section will be detailed in the policy document’s exclusions.

Additional Bonus Features Of MSIG TravelEasy Travel Insurance

General Overview:

• MSIG TravelEasy arranges worldwide medical and travel assistance services through an appointed assistance company to aid insured persons during emergencies on their journey outside Singapore.

MSIG Assist 24-hour Hotline:

• Insured persons can access support by calling +65 6323 8288.
• Identification by full name and policy number is required for service.

Maximum Coverage:

• The maximum coverage for all services and benefits under sections 16 to 19 is capped at $1,000,000 per insured person for any one journey, irrespective of the number of events involved.

Service Availability:

• Services are provided globally, except in areas where offering them is impossible or impractical.
• MSIG TravelEasy and the assistance company are not responsible for service failures or delays caused by external factors like strikes, legal restrictions, or the inability of local medical providers to offer assistance.

Legal Proceedings:

• MSIG TravelEasy may initiate legal proceedings in the insured person’s name to recover compensation from 3rd parties responsible for any loss, injury, or illness. This action will not affect the benefits under sections 15 to 19.

Exclusions:

• Specific exclusions applicable to these sections will be detailed in the policy document.

Section Overview:

• Section 15: Likely covers initial emergency assistance services.
• Section 16: May include emergency medical evacuation and related services.
• Sections 17 to 19: Typically cover other travel assistance services like repatriation, travel advice, and support in case of lost documents or other travel-related issues.

For precise details, benefits, limits, and exclusions of Sections 15 to 19, it’s essential to refer to the actual MSIG TravelEasy policy document. 

The above summary provides a general understanding based on typical travel insurance offerings.

Optional Add-Ons For MSIG TravelEasy Travel Insurance

Covid-19 cover (traveleasy) benefit, what is covered.

• Extends policy to cover claims related to COVID-19 under certain conditions.
• Includes coverage for hospitalisation, quarantine, and positive COVID-19 tests.

Conditions applicable to the COVID-19 cover benefit

The COVID-19 Cover endorsement under MSIG TravelEasy extends specific policy sections to cover claims related to COVID-19, adhering to certain conditions and exclusions. 

Here’s a summary of the key conditions:

• Travel Advisory Compliance:  The insured must not travel against advisories issued by the Singapore government.
• Adherence to COVID-19 Measures:  Compliance with all COVID-19-related measures set by Singapore and relevant overseas authorities is required. This includes vaccination requirements, pre-departure and post-arrival COVID-19 testing, quarantine, isolation, and following a controlled itinerary.
• Avoidance of COVID-19 Exposure:  During the trip, the insured should not knowingly stay with anyone suspected or confirmed to have COVID-19 or undergoing isolation or quarantine.
• Immediate Contact with MSIG Assist:  For any medical claims related to COVID-19, the insured or their representative must promptly contact MSIG Assist.
• Specific Conditions for Travel Cancellation, Postponement, and Replacement of Traveller:
• If the policy is bought within 30 days before the trip’s scheduled departure, it must be purchased at least 3 days in advance.
• Neither should exhibit COVID-19 symptoms (fever, cough, shortness of breath, blocked or runny nose, sore throat, loss of smell).
• Neither should have tested positive for COVID-19.
• Neither should have been in close contact with anyone suspected or confirmed to have COVID-19.
• These conditions are crucial for the COVID-19 coverage to be valid and for claims related to COVID-19 to be considered under the policy.

Pre-trip Benefit

Section 21 – Travel cancellation 

Section 22 – Travel postponement 

Section 23 – Replacement of traveller

MSIG TravelEasy will pay under sections 21, 22 and 23 up to the sum insured specified under the COVID-19 Cover benefit summary if the insured person is unexpectedly and unavoidably prevented from commencing the journey, due to any of these covered reasons below which take place within 30 days before the start of the trip, but after the date of arranging this insurance and the journey. 

• The insured person or travel companion is tested positive for COVID-19 by a doctor or government-approved personnel. 
• The insured person or travel companion is identified and ordered by the Singapore government-approved quarantine or isolation due to suspected or confirmed COVID-19 infection. 
• The insured person’s family member is hospitalised or passed away due to COVID-19 infection. 
• The insured person or travel companion is denied boarding public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and, after that, tested positive for COVID-19 by a doctor or government-approved personnel within 5 days from the scheduled departure date. 

Suppose a claim under section 21 (Travel cancellation), section 22 (Travel postponement) or section 23 (Replacement of traveller) results from the same event. 

In that case, MSIG TravelEasy will only pay for the claim under 1 of the sections.

During Trip Benefits

Section 15 – Medical & Travel Assistance services

MSIG TravelEasy will extend section 15 to provide medical and travel assistance for the sections listed under “During trip benefits” due to COVID-19. 

• The insured person or the personal representative must contact MSIG Assist immediately for any medical claims relating to COVID-19. 
• The hotline’s priority is to provide essential service for customers during their trip. 
• If you have  policy  matters before or after your trip, please  contact the Customer Service Centre at 6827 7602. MSIGAssist 24-hour hotline +65 6323 8288  
• Insured person details: 
• NRIC/FIN number
• Policy number
• Contact number

Key points include:

• Relationship
• Contact number 
• Brief description of emergency and help required 

Please refer to section 15 for the full terms and conditions.

Section 6 – Overseas medical expenses 

Section 16 – Emergency medical evacuation and repatriation

• MSIG TravelEasy will pay benefits under Sections 6 and 16 up to the sum insured specified under the COVID-19 Cover benefit summary if the insured person tests positive for COVID-19 by a doctor or a government approved personnel outside Singapore within the first 90 days of the trip. 
• MSIG TravelEasy will pay benefits under Sections 6 and 16 up to 60 days from the date the insured person first tested positive for COVID-19 by a doctor or government-approved personnel. 
• To avoid doubt, MSIG TravelEasy will assess the claim based on the date the COVID-19 test was done and not when the test results are released. 

Claims due to COVID-19 infection diagnosed from tests done after the 90th day from the start of the trip are not covered. 

What is Not Covered 

Section 6 will not pay any COVID-19 treatment expenses covered by any government or national healthcare programme.

Section 24 Benefits – Replacement of employee (applies to corporate policyholders only)

MSIG TravelEasy will pay under section 24 up to the sum insured specified under the COVID-19 Cover benefit summary if the insured person is unexpectedly prevented from continuing the journey and the trip is unavoidably disrupted due to any of these covered reasons below which take place within the first 90 days of the trip. 

• The insured person tested positive for COVID-19 by a doctor or government-approved personnel. 
• The insured person is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to suspected or confirmed COVID-19 infection. 
• The insured person’s family member is hospitalised or passed away due to COVID-19 infection.
• The insured person is denied boarding public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and, after that, tested positive for COVID-19 by a doctor or government-approved personnel within 5 days from the scheduled departure date. 

To avoid any doubt, MSIG TravelEasy will assess the claim based on the date on which the COVID-19 test was done and not the date on which the test results are released. 

Claims due to COVID-19 infection diagnosed from test done after the 90th day from the start of the trip are not covered.

Trip Disruption Benefits:  

• Testing positive for COVID-19.
• Being ordered to undergo quarantine or isolation due to COVID-19 by the local government at the overseas destination.
• Hospitalisation or death of a family member due to COVID-19.
• Being denied boarding public transport due to COVID-19 symptoms and, after that, testing positive within 5 days from the scheduled departure date.
• 90-Day Limitation:  Claims due to COVID-19 infection diagnosed from a test done after the 90th day from the trip’s start are not covered.

It’s important to refer to section 15 for the policy’s full terms and conditions to understand the scope of coverage and any exclusions or limitations that may apply.

Section 29 – Shortening the trip 

MSIG TravelEasy will pay (a) and/or (b) under section 29 for the covered reasons below, which take place within the first 90 days of the trip outside Singapore, resulting in the insured person having to make a direct trip home. 

For covered reasons 1 to 4, MSIG TravelEasy will pay up to the sum insured as specified under the COVID-19 Cover benefit summary. 

For covered reasons 5 to 7, we will pay 50% of the eligible expenses up to the sum insured specified under the COVID-19 Cover benefit summary. 

• The travel companion is tested positive for COVID-19 by a doctor or government-approved personnel. 
• The travel companion is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to suspected or confirmed COVID-19 infection. 
• The travel companion is denied boarding public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and, after that, tested positive for COVID-19 by a doctor or government-approved personnel within 5 days from the scheduled departure date. 

To avoid any doubt:

• MSIG TravelEasy will assess the claim based on the date the COVID-19 test was done and not the date on which the test results are released. 
• Section 29 covers lost and/or additional travel expenses related to making changes to the original scheduled journey. 

Refer to the “Overseas quarantine daily benefit” benefit under COVID-19 coverage for claims relating to unexpected quarantine or isolation during the trip. 

If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results from the same event, MSIG TravelEasy will pay for the claim under only one of the sections.

Section 30 – Travel disruption 

MSIG TravelEasy will pay under section 30 for the insured person to continue with the originally scheduled journey due to any of these covered reasons below, which take place within the first 90 days of the trip outside Singapore. 

For covered reasons 1 to 3, MSIG TravelEasy will pay up to the sum insured as specified under the COVID-19 Cover benefit summary. 

• The local government identifies explicitly and orders the insured person at the overseas destination to undergo quarantine or isolation due to suspected or confirmed COVID-19 infection. 

For covered reasons 4 to 6, MSIG TravelEasy will pay 50% of the additional travel expenses up to the sum insured specified under the COVID-19 Cover benefit summary. 

• The travel companion is denied boarding public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and tested positive for COVID-19 by a doctor or government-approved personnel within 5 days from the scheduled departure date. 

To avoid any doubt

• MSIG TravelEasy will assess the claim based on the date on which the COVID-19 test was done and not the date on which the test results are released. Claims due to COVID-19 infection diagnosed from tests done after the 90th day from the start of the trip are not covered. 
• Section 30 covers any additional travel expenses incurred by the insured person related to making changes to the original scheduled journey. 

If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results from the same event, we will pay for the claim under only one of the sections.

Section 31 – Automatic extension of cover 

If the insured person’s homeward journey cannot be completed before the end date shown in the policy, cover will stay in force due to any of these covered reasons below without additional premium for an insured person for up to: 

• 30 days if the insured person is hospitalised due to COVID-19 infection. 
• 14 days if the insured person
• a) tested positive for COVID-19 by a doctor or government-approved personnel or 
• b) specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to suspected or confirmed COVID-19 infection. 

This section will operate only if any of the abovementioned reasons occur within 90 days of the trip’s start. 

If 48 hours after discharge from hospital, quarantine or isolation, the insured person cannot return to Singapore, further extension of the period of insurance will require a top-up of premium unless MSIG Assist has assessed the insured person to be unfit for travel back to Singapore. 

Please refer to section 15 for contact details of MSIG Assist.

Overseas quarantine daily benefit: 

MSIG TravelEasy will pay the daily benefit for each complete 24-hour period of quarantine or isolation up to the sum insured specified under the COVID-19 Cover benefit summary if the insured person tested positive for COVID-19 by a doctor or government-approved personnel within the first 90 days of the trip and ordered to undergo quarantine or isolation at a government approved hotel or COVID-19 medical facility outside Singapore. 

This benefit is payable provided the insured person is liable to pay for the charges incurred at the government-approved hotel or COVID-19 medical facility. 

If permitted by the local government, the government approves a government-approved hotel for the COVID-19 quarantine or any hotel where you reside. 

This benefit will not be paid if Section 12 (Overseas hospitalisation daily benefit) or Section 13 (Overseas ICU hospitalisation daily benefit) pays a claim for the same event. 

What is not covered in addition to the exclusions, MSIG TravelEasy will not pay claims for quarantine or isolation served at locations other than government-approved hotels or COVID-19 medical facilities.

COVID-19 Cover Conditions

Under the COVID-19 conditions of the MSIG TravelEasy, the following key points are essential:

• Claim Documentation:  When filing claims related to COVID-19, all relevant documents must be provided. This includes documents for the approved travel arrangement issued by Singaporean and/or foreign governments, vaccination records, and negative results from the mandatory pre-departure COVID-19 diagnostic test if such a test is a regulatory requirement for travel.
• Termination Rights:  MSIG TravelEasy reserves the right to terminate the COVID-19 Cover by providing a 14-day written notice.
• Claim Validity During Insurance Period:  Claims related to COVID-19 will only be paid if they are incurred within the active period of the insurance policy.
• Operational Terms:  The benefits under the COVID-19 Cover will align with the terms and conditions specified in this endorsement and the overall policy. In cases of inconsistency between different terms, the conditions specified under the COVID-19 Cover will take precedence.

Covid-19 Cover Exclusions

The COVID-19 Cover exclusions in the MSIG TravelEasy policy include:

• Pre-existing Knowledge:  Claims related to circumstances known to the insured or their travel companion before purchasing the policy or the trip that could lead to a claim.
• Travel Advisory and Restrictions:  Changes to travel advisories, restrictions, or COVID-19 prevention measures issued by any government or authority, whether in Singapore or the planned destination, related to epidemics or pandemics.
• Mandatory Health Measures:  Any medical test, vaccination, quarantine, or isolation required broadly for all travellers by the Singapore or overseas government, transport, or accommodation providers taken to obtain travel approval.
• Medical Expenses in Singapore:  Medical expenses incurred in Singapore or after 60 days from the date the insured person first tested positive for COVID-19 during the trip outside Singapore. Claims will be assessed based on the date of the COVID-19 test, not the release date of the test results.
• Vaccination Side Effects:  Any COVID-19 vaccination-related claim, including side effects or complications.
• Pre-existing Medical Conditions:  Any pre-existing medical condition and its complications, irrespective of whether they result from or are complicated by a COVID-19 infection.

For Covered Reasons 1 to 4

MSIG TravelEasy will pay up to the sum insured as specified under the COVID-19 Cover benefit summary for the following reasons:

• Positive COVID-19 Test:  If the insured person tests positive for COVID-19, as confirmed by a doctor or government-approved personnel.
• Quarantine or Isolation Orders:  If the insured person is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to a suspected or confirmed COVID-19 infection.
• Family Member Hospitalisation or Death:  If a family member of the insured person is hospitalised or passes away due to a COVID-19 infection.
• Denied Boarding and Subsequent Positive Test:  If the insured person is denied boarding of public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and after that tests positive for COVID-19 within 5 days from the scheduled departure date.

For Covered Reasons 5 to 6

• MSIG TravelEasy will pay 50% of the eligible expenses up to the sum insured as specified under the COVID-19 Cover benefit summary for the following reasons: Travel Companion Tests Positive for COVID-19: If the travel companion of the insured person tests positive for COVID-19, as confirmed by a doctor or government-approved personnel.
• Travel Companion Quarantine or Isolation: If the travel companion is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to a suspected or confirmed COVID-19 infection.

These benefits are designed to provide financial assistance and support to the insured person if their trip is disrupted due to COVID-19-related reasons, ensuring a safe and direct return home. 

It’s important to refer to the full policy document for detailed terms and conditions and to understand the scope of coverage, limitations, and exclusions.

For Covered Reason 7

MSIG TravelEasy will pay 50% of the eligible expenses up to the sum insured as specified under the COVID-19 Cover benefit summary for the following reason:

Travel Companion Denied Boarding & Subsequent Positive Test:

If the travel companion of the insured person is denied boarding of public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and after that tests positive for COVID-19 within 5 days from the scheduled departure date.

Additional Clauses and Conditions

Assessment of Claims:  

The claims assessment will be based on the date the COVID-19 test was conducted, not on the date the test results are released. 

This is important for determining the eligibility and timing of the claim.

90-Day Limitation: 

Claims related to a COVID-19 infection diagnosed from a test conducted after the 90th day from the trip’s start are not covered. 

This limitation is crucial for understanding the coverage period.

Scope of Section 29:– Shortening the trip

This section covers lost and/or additional travel expenses related to making changes to the original scheduled journey. 

It specifically addresses the financial implications of shortening the trip due to the covered COVID-19-related reasons.

Overseas Quarantine Daily Benefit:  

For claims relating to unexpected quarantine or isolation during the trip, the insured should refer to the “Overseas quarantine daily benefit” under the COVID-19 Cover. 

This benefit provides specific coverage for such situations.

Claim Under 1 Section Only: 

If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results, MSIG TravelEasy will pay for the claim under only 1 of these sections from the same event. 

This means the insured cannot receive benefits for the same event under both sections.

These during-trip benefits are designed to provide support and financial assistance to insured person in case their trip is disrupted due to specific COVID-19-related reasons, ensuring they can manage the situation with less financial stress. 

Policyholders must understand these details and refer to the full policy document for comprehensive terms and conditions.

Section 30 – Travel Disruption

This section outlines the coverage for disruptions to the initially scheduled journey due to specific COVID-19-related reasons within the first 90 days of the trip outside Singapore.

Covered Reasons 1 to 3:

• Positive COVID-19 Test for Insured Person:  If the insured person tests positive for COVID-19, as confirmed by a doctor or government-approved personnel.
• Quarantine or Isolation Orders for Insured Person:  If the insured person is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to a suspected or confirmed COVID-19 infection.
• Denied Boarding and Subsequent Positive Test for Insured Person:  If the insured person is denied boarding of public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and after that tests positive for COVID-19 within 5 days from the scheduled departure date.

Covered Reasons 4 to 6:

MSIG TravelEasy will pay 50% of the additional travel expenses up to the sum insured as specified under the COVID-19 Cover benefit summary for the following reason:

Positive COVID-19 Test for Travel Companion:  If the travel companion of the insured person tests positive for COVID-19, as confirmed by a doctor or government-approved personnel.

(Additional covered reasons 5 and 6 are not provided in the excerpt but would follow a similar structure, focusing on scenarios involving the travel companion.)

Key Points:

• The coverage under Section 30 is specifically designed to assist the insured person in continuing with their originally scheduled journey despite disruptions caused by COVID-19-related issues.
• The policy provides financial support to cover additional travel expenses incurred due to these disruptions.
• The coverage is limited to the first 90 days of the trip outside Singapore.
• The claims assessment will be based on the specific circumstances outlined in the covered reasons, focusing on the insured person and their travel companion.

Policyholders need to refer to the full policy document for a comprehensive understanding of the terms, conditions, and exclusions of Section 30 and the entire MSIG TravelEasy Travel Insurance policy.

Covered Reasons 5 and 6:

MSIG TravelEasy will pay 50% of the additional travel expenses up to the sum insured as specified under the COVID-19 Cover benefit summary for the following reasons:

• Quarantine or Isolation for Travel Companion:  If the travel companion of the insured person is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to a suspected or confirmed COVID-19 infection.
• Denied Boarding and Subsequent Positive Test for Travel Companion:  If the travel companion is denied boarding of public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and after that tests positive for COVID-19 within 5 days from the scheduled departure date.
• Assessment of Claims:  Claims will be assessed based on the date the COVID-19 test was conducted, not when the test results are released. This is crucial for determining the eligibility and timing of the claim.
• 90-Day Limitation:  Claims related to a COVID-19 infection diagnosed from a test conducted after the 90th day from the trip’s start are not covered. This limitation is important for understanding the coverage period.
• Scope of Section 30:  This section covers any additional travel expenses incurred by the insured person related to making changes to the originally scheduled journey due to covered COVID-19-related reasons.
• Overseas Quarantine Daily Benefit:  For claims relating to unexpected quarantine or isolation during the trip, the insured should refer to the “Overseas quarantine daily benefit” under the COVID-19 Cover. This benefit provides specific coverage for such situations.
• Claim Under 1 Section Only:  If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results from the same event, MSIG TravelEasy will pay for the claim under only 1 of these sections. This means the insured cannot receive benefits for the same event under both sections.

These travel disruption benefits are designed to provide support and financial assistance to the insured person if their trip is disrupted due to specific COVID-19-related reasons, ensuring they can manage the situation with less financial stress. 

Section 31 – Automatic Extension of Cover

This section details the conditions under which the insurance cover is automatically extended without additional premium in case the insured person’s homeward journey cannot be completed before the end date shown in the policy due to COVID-19-related reasons.

Covered Reasons for Automatic Extension:

• a) Tests positive for COVID-19, as confirmed by a doctor or government-approved personnel, or
• b) Is specifically identified and ordered by the local government at the overseas destination to undergo quarantine or isolation due to a suspected or confirmed COVID-19 infection.

Conditions for Extension:

• The cover extension under this section is applicable only if any of the covered reasons occur within 90 days from the trip’s start.

Post-Hospitalisation, Quarantine, or Isolation:

• If, 48 hours after discharge from hospital, quarantine, or isolation, the insured person cannot return to Singapore, a further extension of the period of insurance will require a top-up of the premium.
• However, if MSIG Assist has assessed the insured person as unfit for travel back to Singapore, the further extension may not require an additional premium.

Contacting MSIG Assist:

• For assistance and assessment regarding fitness for travel, the insured person should refer to Section 15 for the contact details of MSIG Assist.
• This section provides an automatic extension of the insurance coverage in specific COVID-19-related circumstances, ensuring continued protection for the insured person beyond the original policy end date.
• The extension is subject to certain conditions and is limited to specific durations based on the nature of the COVID-19-related issue faced by the insured person.
• The policyholder should be aware of the need to contact MSIG Assist for further assistance and potential extension of the cover beyond the automatic extension period.

Policyholders need to understand these provisions and refer to the full policy document for a comprehensive understanding of the terms, conditions, and exclusions of Section 31 and the entire MSIG TravelEasy Travel Insurance policy.

Overseas Quarantine Daily Benefit

This benefit pertains to the situation where the insured person must undergo quarantine or isolation due to COVID-19 during their trip.

Conditions for the Benefit:

• Positive COVID-19 Test:  The insured person must test positive for COVID-19, as confirmed by a doctor or government-approved personnel.
• Quarantine or Isolation Requirement:  The insured must undergo quarantine or isolation at a government-approved hotel or COVID-19 medical facility outside Singapore.
• Duration of Coverage:  The benefit is applicable if the positive COVID-19 test and subsequent quarantine or isolation order occur within the first 90 days of the trip.
• Payment of Daily Benefit:  The insurance will pay a daily benefit for each complete 24-hour period of quarantine or isolation. The amount is up to the sum insured specified under the COVID-19 Cover benefit summary.
• Liability for Charges:  The benefit is payable provided the insured person is liable to pay for the charges incurred at the government-approved hotel or COVID-19 medical facility.
• Government-Approved Hotel:  This refers to a hotel approved by the government for COVID-19 quarantine or any hotel where the insured person resides if the local government permits.

Assessment and Limitations of Claims:

• Assessment of Claims:  Claims will be assessed based on the date the COVID-19 test was conducted, not when the test results are released.
• 90-Day Limitation:  Claims related to a COVID-19 infection diagnosed from a test conducted after the 90th day from the start of the trip are not covered.
• The Overseas Quarantine Daily Benefit provides financial support to the insured person during the mandatory quarantine or isolation due to COVID-19 while on a trip.
• The benefit is designed to help cover the costs incurred during the quarantine or isolation in a government-approved facility.
• It’s important for policyholders to understand the specific conditions under which this benefit is applicable and the limitations regarding the timing of the COVID-19 test and the duration of the trip.

Policyholders should refer to the full policy document to understand the terms, conditions, and exclusions of the Overseas Quarantine Daily Benefit and the entire MSIG TravelEasy Travel Insurance policy.

Exclusions and Limitations of the Overseas Quarantine Daily Benefit

Exclusion in Case of Overlapping Benefits:

• Overlap with Other Sections:  This benefit will not be payable if a claim for the same event is already being paid under Section 12 (Overseas Hospitalisation Daily Benefit) or Section 13 (Overseas ICU Hospitalisation Daily Benefit). Essentially, the policyholder cannot claim this benefit in addition to the daily benefits provided for hospitalisation or ICU stays for the same event.

Specific Exclusions for Quarantine or Isolation Locations:

• Restricted to Specific Locations:  Claims for quarantine or isolation served at locations other than a government-approved hotel or COVID-19 medical facility are not covered. This means that if the insured person undergoes quarantine or isolation in a location not officially sanctioned by the government for this purpose, the daily benefit will not be applicable.
• The Overseas Quarantine Daily Benefit is designed to provide financial support during quarantine or isolation in government-approved facilities.
• The benefit is not applicable if the insured person receives daily benefits under other sections of the policy for hospitalisation due to the same COVID-19 event.
• Policyholders need to be aware of the specific limitations regarding the location of quarantine or isolation to ensure eligibility for this benefit.

It’s important for policyholders to thoroughly understand these provisions and refer to the full policy document for a comprehensive understanding of the terms, conditions, and exclusions of the Overseas Quarantine Daily Benefit and the entire MSIG TravelEasy Travel Insurance policy.

Exclusions under Sections 32, 33, 34, 35, 36, 37, 42, and 46

What is not covered

• Losses not reported within 24 hours to relevant authorities or carriers.
• Perishables, food, drink, vouchers, coupons, and various cards (ID, credit, loyalty, etc.), except as covered under specific sections.
• Animals, computer software, vehicles, bicycles, contact lenses, dentures, financial instruments, and stamps.
• Business goods, samples, or employment-related items, except laptops and mobile devices.
• Loss of money, unless covered under the Personal Money section.
• Items left unattended in public places or due to failure to protect property.
• Costs for reproducing data on tapes, cards, discs, etc.
• Damage to sports equipment in use and to brittle or fragile items unless properly packed.
• Wear and tear, deterioration, insects, vermin, mildew, atmospheric conditions, light exposure, heating, cleaning, repairing, electrical breakdown, misuse, faulty design.
• Property seized by customs or other officials.
• Unexplained disappearance, exchange rate differences, fines for late replacement of personal documents.
• Losses refunded or paid by carriers, hotels, travel agents, or responsible parties.
• Hired or rented items.

Exclusions for Sections 21, 22, 25, 26, 27, 28, 29, 30, and 50

• Failure to check in on time or notify service providers of cancellations.
• Compensation for air miles, holiday points, or credit card redemptions.
• Charges unrelated to transport, accommodation, or unused entertainment tickets.

Exclusions for Sections 39 & 40

• Liability from injury, property loss or damage caused by pollution or contamination.
• Costs for removing or cleaning up pollutants.
• Fines, penalties, punitive or exemplary damages.
• Injury to employees or family members.
• Property owned or controlled by the insured or their family.
• The insured’s employment, business, or profession.
• Owning or occupying land/buildings other than temporary accommodations.
• Owning or using animals, firearms, vehicles, vessels, or aircraft.
• Activities or business conducted online or via email.
• Liability does not exist without a specific agreement.
• Judgments are not from Singapore courts, nor are they enforcing foreign judgments.
• Claims involving asbestos or asbestos-related issues.

General Exclusions Of MSIG TravelEasy Travel Insurance

Exclusions Applicable to the Entire Policy

• Known events or circumstances that could have been reasonably foreseen.
• Pre-existing medical conditions, except as covered under the Pre-Ex Critical Care section.
• HIV, HIV-related illnesses, or diseases related to sexually transmitted diseases.
• Pregnancy-related conditions, childbirth, miscarriage, abortion, menopause, except as covered under the Maternity Medical Expenses Overseas section.
• Self-inflicted injuries, suicide attempts, intentional exposure to danger (unless to save a life), insanity, or influence of alcohol, drugs, or substance abuse.
• Mental illness, anxiety, or depression diagnosed before the journey.
• Participation in certain high-risk activities (e.g., aerial activities, white-water rafting, bungee jumping, winter sports, hunting, mountaineering, racing) unless covered under the Adventurous Activities Cover.
• Involvement in the naval, military, air force, civil defence, or police services, testing vehicles, off-shore activities, mining, aerial imaging, handling explosives or firearms, or operating public transport.
• Deliberate, malicious, criminal, or unlawful acts by the insured or on their behalf.
• Government restrictions or regulations.
• Consequential losses not specified in the policy.
• Non-emergency treatments, cosmetic surgery, dental treatments, eyeglasses, hearing aids, prostheses, treatments at health spas, or non-doctor-recommended treatments.
• War and terrorism-related events, including damages from biological, chemical, or nuclear devices.
• Radioactive contamination, chemical, biological, biochemical, and electromagnetic weapons.
• Political risks like confiscation of property by legal authorities.
• Cyber-related damages to computers or data, including hacking and virus attacks.
• COVID-19 and pandemic-related losses, except as covered under specific conditions.

How to claim MSIG TravelEasy Travel Insurance

The first thing you need to do is report the claim.

This can typically be done via their website, customer service hotline, or email.

• Complete the Claim Form:
• Your personal details.
• Contact information.
• Policy number.
• Provide a Detailed Description:
• In the claim form, describe the incident leading to the claim. Be clear and concise.
• Include Particulars of Others Involved:
• If applicable, provide details of other persons or witnesses involved in the incident.
• Gather Supporting Documents:
• Collect all relevant documents that support your claim. This may include medical reports, police reports, receipts, proof of travel, etc.
• Submit the Claim Form and Documents:
• Send the completed claim form and all supporting documents to MSIGTravelEasy. This can be done via email, post, or through their online portal.
• Refer to MSIG TravelEasy’s Website:
• For detailed instructions, document requirements, and additional guidance, visit MSIGTravelEasy’s official website.
• Wait for Claim Processing:
• After submission, MSIGTravelEasy will process your claim. This may involve additional queries or requests for further information.
• Claim Settlement:
• Once your claim is processed and approved, MSIGTravelEasy will settle the claim per your policy’s terms.

Tips for a Smooth Claim Process

• Act fast : Report and file your claim immediately.
• Keep Records:  Retain copies of all submitted documents for your records.
• Be Honest and Accurate:  Provide truthful and accurate information to avoid delays or claim rejection.
• Follow-up:  If necessary, follow up with MSIGTravelEasy for updates on your claim status.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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MSIG Travel Insurance Review: Premiums and Coverage

• Covers adventurous activities/golfing trips/wedding clothing & accessories
• Coverage for pre-existing medical conditions available
• Affordable with ample coverage
• Mid and high-tier plans offer wide coverage for families
• Standard plan excludes many sub-categories of benefits
• Lost loyalty points are not claimable
• Does not cover extreme sports
• TravelEasy Pre-Ex plan does not include Covid-19 coverage

MSIG’s TravelEasy is one of the more popular travel insurance plans in Singapore.

For starters, it’s one of the rare plans that offers coverage for pre-existing conditions. Given that these can span anything from asthma and eczema to cancer, being insured in the event of a flare-up can be a godsend for travellers.

Still, they’re not the only provider offering this, and you want to make sure that MSIG really does have adequate coverage.

Today, we’ll review the MSIG TravelEasy Insurance Plan and give our verdict based on: 

• MSIG TravelEasy vs TravelEasy Pre-Ex
• Pricing and coverage
• Drawbacks of the pre-ex plan
• How TravelEasy compares to other plans in the market
• Whom MSIG TravelEasy is best for

Brief Overview of MSIG TravelEasy & TravelEasy Pre-Ex

Eligibility requirements.

Eligibility requirements for both plans are easy to meet. 

All persons residing in Singapore aged 1 month and above can apply. (If you’re a foreigner, you need a valid employment pass or work permit.)

TravelEasy Coverage & Notable Features

MSIG’s flagship travel insurance plan automatically includes COVID-19 coverage. In addition, they cover:

• Up to $1,000,000 of overseas medical expenses
• Up to $600 in TCM expenses
• Up to $15,000 in trip cancellation coverage
• Up to $7,500 in lost or damaged baggage, including $1,000 for a laptop and $500 for each other item

Some of the more notable features of this policy include:

• Coverage for wedding items, including rings, bridal and ceremonial attire, and accessories
• Adventurous activity coverage (e.g. bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing)
• Coverage for loss or damage to home contents due to fire or burglary
• Coverage for pets to continue staying at a local pet hotel due to injury or illness of insured person

TravelEasy Pre-Ex Coverage & Notable Features

Other than the COVID-19 coverage, TravelEasy Pre-Ex offers the same coverage as the regular TravelEasy. The main addition, of course, is coverage for critical care expenses relating to pre-existing medical conditions.

Examples of such pre-existing medical conditions include asthma, high blood pressure, diabetes, heart conditions, stroke, or cancer.

There are a few requirements:

• Pre-existing medical conditions have to actually be diagnosed
• You’re not travelling against the advice of your medical practitioner, and you’re not travelling for medical treatment abroad
• You’ve been following your doctor’s prescribed course of treatment
• You haven’t received any treatment at a hospitals A&E in the last year (or stayed in a hospital for more than three days in the last 12 months)

But if you meet all those requirements, TravelEasy Pre-Ex covers you in the event of an acute onset of any pre-existing conditions while you’re travelling .

The coverage is lower than that of non-pre-existing conditions though. For example, inpatient overseas medical expenses will only get up to $150,000 cover instead of the $1,000,000 you’d get for non-pre-existing conditions. (But that’s better than not being covered at all.)

Any pre-existing medical conditions that worsen 30 days before your trip will not be covered. If that happens, you can cancel your policy by notifying MSIG and providing supporting documents.

TravelEasy & TravelEasy Pre-Ex Exclusions

The full list of policy exclusions can be found in the policy wording , but here are some of the more significant policy exclusions to note:

• Terminal illness
• Mental disorders & suicide
• Travelling to countries at war
• Participation in professional or compensated sports
• Items taken/destroyed by customs or other officials

Pricing & Coverage For TravelEasy Plan Types

The prices stated here are only applicable to individual travellers. Group travellers such as families and couples have better discounts. Groups of 2 to 10 can enjoy savings of up to 10% while groups of 11 to 20 can enjoy group discounts of up to 15%.

Area A: Southeast Asian Countries (Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, and Vietnam)

Area B: Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A

Area C: Worldwide including countries in Areas A and B

As the most basic plan, TravelEasy Standard has the lowest coverage.

For example, if you’re planning an overseas wedding shoot or an adventure sports trip, you’ll want to look at either the Elite or Premier plan.

Other possibly important aspects that aren’t covered under TravelEasy Standard include:

• Fraudulent use of your credit card overseas
• Legal expenses for any wrongful arrests or detention
• Maternity medical expenses overseas
• Daily benefits for ICU hospitalisation overseas

In short, if you’re travelling someplace that may have a lot of petty crime (or you/your spouse happens to be pregnant), go for Elite or Premier instead.

Here’s a brief overview of the coverage you’ll get under the various TravelEasy plans:

In deciding between the Elite and Premier plans, we recommend estimating the costs of specific incidences. For example, if your flight is delayed, would you have to rebook a connecting flight? If your baggage is delayed or lost, is there adequate coverage for your personal belongings? 

In the case of travel postponement, you can collate the total costs of transportation and any advance bookings you’ve made to see how much coverage you’ll need for the trip.

Items such as unused theme park or concert tickets are also claimable under the lifestyle cover in case of illness or injury.

Pricing & Coverage For TravelEasy Pre-Ex Plan Types

Same area rules apply, and these prices are only applicable for individual travellers. In the Pre-Ex plan’s case, there are no special group discounts for bulk purchases.

Again, TravelEasy Pre-Ex coverage is the same as the regular MSIG TravelEasy plans, with the exception of pre-ex critical care expenses:

TravelEasy Pre-Ex Drawbacks to Note

MSIG’s coverage may seem enticing with a few items rarely found in other travel insurance products in the market. However, here are some drawbacks you may want to take note of. 

• No COVID-19 coverage for those with pre-existing conditions. 
• Maximum trip length for Pre-Ex is 30 days. Travellers planning for long haul trips may not get enough coverage. 
• Pre-existing conditions that worsen within 30 days of your departure date will not be covered. If you’ve sought treatment and your doctor prescribes further treatment, medication, or surgery, your pre-existing condition will no longer qualify.
• Trip inconveniences caused by your pre-existing condition cannot be claimed. This means any trip cancellations or postponement claims filed due to your medical condition will not be successful.

How Do These TravelEasy Plans Compare?

Let’s take a look at travel insurance with similar coverage:

For Travellers Seeking Best Coverage And Benefits

Allianz Platinum is the priciest among the three, but it offers the most trip inconvenience coverage. If you’re most concerned about flight delays or losing baggage, this is ideal. 

If for some reason trip cancellations are a distinct possibility, Aviva Prestige would be the better option. It has fewer exclusions to watch out for while maintaining a great variety of medical benefits, coverage, and personalisation options. Add-on coverage for weddings and extreme sports are also available.

Lastly, amongst the three, MSIG’s TravelEasy Premier is best suited for families who want wider coverage without having to pay additional premiums. This plan automatically covers various lifestyle activities such as rental cars and adventurous activities. Pregnancy-related illnesses are also covered, which is fairly hard to find as most plans usually only cover pregnancy-related emergencies. 

For Travellers Seeking Pre-Ex Coverage

These are the only three insurers providing pre-ex coverage in the market. Unfortunately, NTUC Income’s Pre-Ex Prestige plan is quite pricey (almost double of Etiqa).

For those on a tight budget, Etiqa’s Pre-Ex Luxury plan is a great option with various add-ons depending on your itinerary.

If you’re deciding between Etiqa and MSIG, Etiqa’s Luxury plan excludes lifestyle cover on things such as sports equipment and pet hotel fees. MSIG’s Premier plan includes these.

MSIG’s Pre-Ex Premier plan is also great for older travellers with greater medical coverage. 

Our Verdict on MSIG Travel Insurance

Overall, the MSIG TravelEasy Insurance Plans are still very affordable (although not the cheapest in the market), especially with their generous promotions.

MSIG has a few notable perks in their plans, such as the wedding clothing & accessories coverage as well as the adventurous activities coverage. These are only available with the Elite or Premier plans, so we recommend going a tier up from Standard if your budget allows it.

And while no insurer has a perfect customer service record, MSIG has generally had positive reviews from customers who filed claims.

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Msig travel insurance singapore review 2022.

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the 3 tiers of MSIG TravelEasy insurance plans , the COVID-19 extension as well as the TravelEasy Pre-Ex plans:

Here’s a summary of the COVID-19 extension that applies to single trip policies:

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40% discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in ASEAN, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page .

As long as the 40% promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities , even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its COVID-19 extension. It’s payout of $65,000 for overseas medical fees due to COVID-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on MSIG’s travel insurance claims page ). Or you can download it and email MSIG at [email protected]

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within 2 to 3 weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their COVID-19 extension is not the most comprehensive in its coverage.

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too.

Looking to buy MSIG travel insurance ? Compare all Singapore travel insurance policies by price and coverage first .

The post MSIG Travel Insurance Singapore Review 2022 appeared first on the MoneySmart blog .

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MSIG Travel Insurance: Traveleasy Plans for Singapore 2024

Welcome to the world of travel, where adventure awaits at every turn. As you embark on new journeys in 2024, ensuring you have a comprehensive travel insurance plan that offers you the coverage and peace of mind you need is important. Enter MSIG Travel Insurance – the perfect partner for your travels.

With a range of plans tailored to your unique needs, MSIG offers comprehensive travel assistance , including coverage for travel cancellations, medical expenses, personal accidents, and more.

Whether you’re planning a trip to Thailand or Indonesia, MSIG has covered you with its travel inconvenience benefits, including flight and baggage delay coverage. Additionally, MSIG offers an annual plan for frequent travelers, ensuring you’re protected on every trip you take throughout the year.

With MSIG Insurance, you can rest assured that you’re in good hands. Its reputation as a leading insurance product provider in Asia speaks for itself. Don’t let unforeseen circumstances ruin your travels. Invest in an MSIG Travel Insurance plan, and let us take care of the rest.

Table of Contents

What is msig travel insurance.

MSIG travel insurance is a type of coverage that offers protection for travelers who are planning to visit their destination or Singapore. The insurance policy offers coverage for a range of risks that travelers might face, including medical expenses, lost or stolen luggage, flight cancellations, and more.

There are different levels of coverage under the MSIG travel insurance, which include the Travel Easy Standard, Elite, and Premier packages.

If you are planning for a single trip, it is important to note that the insurance policy must be purchased at least 3 days before the trip or earlier. It is worth noting that MSIG offers discounts on single trip and annual travel insurance plans, which can help you save some money on the insurance purchase.

If you are traveling with a companion, there are certain conditions that you and your travel companion must meet if the policy is purchased within 30 days before the start of the trip. Additionally, MSIG assists with a 24-hour hotline that can help you in the case of an emergency.

The policy includes sections such as section 21, which covers travel cancellation. If you need to cancel your trip due to an unforeseen circumstance, you can pay a claim under this policy section [[6]]. It is important to remember that changes in your planned destination or travel arrangements may lead to a claim, and you should notify MSIG as soon as possible.

MSIG travel insurance also offers an annual travel plan covering multiple trips throughout the year. The policy is valid for a year, and you can choose from different levels of coverage based on your needs.

MSIG Travel Insurance offers a range of coverage options for travelers, including coverage for trip cancellation and postponement. It’s important to note that certain conditions must be met to be eligible for these benefits.

However, MSIG will pay claims under travel cancellation and postponement, provided you and your travel companion meet these conditions. These conditions may include sudden and unexpected illness or injury, death, natural disasters, or other unforeseen events that prevent you from traveling as planned.

It’s important to read the policy documents carefully to understand the specific requirements and exclusions for trip cancellation and postponement coverage. If you need to file a claim, MSIG offers a straightforward claims process and a 24-hour worldwide travel assistance hotline to provide support and guidance.

To apply for MSIG travel insurance, you can submit an application through their website or contact their customer service team for assistance. It is important to note that the insurance is bought at least a few days before the policy purchase to be eligible for coverage. Additionally, MSIG will only pay claims under the travel cancellation section of the policy if you meet the conditions specified in the policy.

What does MSIG travel insurance cover?| MSIG Travel Insurance plans

MSIG travel insurance offers a wide range of coverage for individuals traveling overseas. The policy comes in three levels: Travel Easy Standard plan, Travel Easy Elite, and Travel Easy Premier.

Each level of coverage provides comprehensive protection, including protection for medical expenses incurred in Singapore or overseas, travel disruption, and additional travel and accommodation expenses.

MSIG travel insurance covers a broad range of benefits, including loss or damage to baggage and personal possessions, personal accident cover, medical expenses incurred due to accidental injuries or onset of sickness, follow-up medical treatment after your trip, and coverage for pre-existing medical conditions.

The policy also covers travel companions who meet certain conditions, such as if they are immediate family members or traveling with the policyholder on the same itinerary. Moreover, MSIG travel insurance includes emergency medical evacuation up to a maximum limit of S$1 million, and pre-existing medical conditions cover travelers with pre-existing medical conditions.

In addition, MSIG travel insurance covers travel transportation available for every situation, including flight delays, stolen travel documents, and overseas medical emergencies. The policy also covers additional travel and accommodation expenses incurred due to unforeseen travel disruptions, such as natural disasters or airline strikes.

Finally, regarding the COVID-19 pandemic, MSIG travel insurance automatically covers COVID-19-related medical expenses.

MSIG travel insurance has enhanced its Travel Easy policy to include COVID-19 coverage at no additional premium. This coverage applies to both single trip and annual multi-trip policies and provides coverage for up to S$200,000 for COVID-19-related medical expenses, including hospitalization and medical evacuation, among others. The policy also covers COVID-19-related trip cancellations or curtailment, subject to policy terms and conditions.

Suppose you tested positive by a doctor or government-approved personnel within the first 90 days of the trip overseas and are required to undergo quarantine. In that case, we will pay a daily allowance under Overseas Quarantine Daily Benefit of COVID-19 Cover for every 24 hours of quarantine at a government-approved hotel or COVID-19 medical facility, up to 14 days to defray the cost of your quarantine.

It’s important to note that different countries may have different requirements for COVID-19 insurance coverage.

For example, travelers to St. Maarten must purchase COVID-19 insurance from the St. Maarten government, which provides coverage of up to $50,000 in medical expenses. In Singapore, travelers must have travel insurance with a minimum coverage of S$30,000 for COVID-19-related medical treatment and hospitalization costs before entering the country.

MSIG does not cover if there are changes in travel advisory or restrictions, travel arrangements, or COVID-19 prevention measures issued by any government or authority relating to the epidemic or pandemic at your planned destination or Singapore.

TravelEasy Standard Plan

TravelEasy Standard Plan is one of the three policy options offered by MSIG to protect travelers against unexpected events when they are abroad. This plan is suitable for those who are looking for basic travel insurance coverage at an affordable price.

While it covers most travel inconveniences, including travel delays, baggage loss, and medical expenses due to accidental injuries or sickness, it does not cover certain sub-categories of benefits, such as Adventurous Activities/Golfer’s Cover. The maximum benefit limit for baggage delay is SGD 600, with SGD 150 provided for every six hours of delay.

One of the key advantages of the MSIG TravelEasy Standard Plan is that it automatically includes coverage for COVID-19 for both Single Trips and Annual Plans. However, reading the policy document carefully is essential to understand the coverage and exclusions. Overall, TravelEasy Standard Plan is a good option for budget-conscious travelers who want basic coverage for their travel inconveniences.

TravelEasy Elite Plan

TravelEasy Elite Plan is one of the three levels of coverage offered by MSIG’s TravelEasy travel insurance package.

This plan provides comprehensive coverage for worldwide travel, including emergency medical evacuation and repatriation, travel cancellation and postponement, and loss or damage to baggage and personal possessions. With this plan, travelers are also covered for up to S$1,200,000 in personal accident coverage, which includes accidental death and permanent disability.

For travelers returning to Singapore, the TravelEasy Elite Plan provides coverage for overseas medical expenses incurred due to accidental injuries or the onset of sickness. The plan also includes follow-up medical treatment after the trip and COVID-19 travel insurance coverage. The coverage for COVID-19 includes up to S$65,000 in medical expenses for adults below 70 years old and up to S$20,000 for adults 70 years old and above.

Purchasing MSIG TravelEasy travel insurance before embarking on a trip is recommended to ensure adequate coverage. While the listed prices of MSIG travel insurance plans may seem high initially, promotions are often available to keep the prices competitive. As of June 2022, customers can get a 45% discount off single trip MSIG travel insurance plans and 20% off annual travel insurance plans.

TravelEasy Premier Plan

The TravelEasy Premier Plan by MSIG offers comprehensive coverage for travelers seeking protection to have a plan for single trip . The plan includes coverage for medical expenses up to $1,000,000, which includes coverage for COVID-19-related expenses. The Premier Plan also offers up to $15,000 for trip cancellation coverage.

Additionally, the plan includes up to $15,000 in protection for loss or damage to baggage or personal possessions. It’s worth noting that there are sub-limits for different age groups in terms of COVID-19 medical expenses overseas, with up to S$200,000 coverage if you purchase the Premier plan.

If there are changes to your travel plans, the TravelEasy Premier Plan also includes coverage for trip curtailment and trip interruption. It’s important to purchase your travel insurance policy before your trip, as the period of insurance coverage starts from the day after the policy is purchased and ends upon the completion of the trip.

TravelEasy Pre-Ex Benefit

TravelEasy Pre-Ex is a travel insurance policy offered by MSIG Insurance that covers pre-existing medical conditions. This policy has over 50 benefits, including coverage for claims unrelated to pre-existing conditions, such as injuries or illnesses sustained during the trip. Benefit 52 covers claims arising from a pre-existing medical condition requiring hospitalization when you are overseas.

The policy also offers comprehensive travel benefits for claims unrelated to pre-existing medical conditions such as baggage delay, loss of travel documents, personal money, and personal accident cover.

TravelEasy Pre-Ex has no upper age limit, so whether you are 70 or 80, you can get travel insurance coverage with this policy. The coverage for overseas medical expenses related to pre-existing conditions is capped at S$75,000, S$100,000, and S$150,000 for Standard, Elite, and Premier plans, respectively. If you plan to travel with pre-existing conditions, TravelEasy Pre-Ex is a good option.

What are other benefits under travel insurance by MSIG for Travel Inconvenience?

MSIG Travel Insurance Traveleasy offers comprehensive coverage with over 50 benefits. Apart from covering medical expenses, lost luggage, and flight cancellations, MSIG also offers additional benefits subject to the policy across all travel, including changes in a travel advisory, Travel cancellation, and travel postponement, provided you and your travel companions are not traveling against the advice of a medical practitioner or government advisory.

You purchased your policy before the advisory was issued. MSIG provides coverage for additional administrative and travel expenses incurred due to the cancellation, delay, or rescheduling of your flight, including expenses incurred to book onward travel transportation available for the next flight in case of a missed travel connection.

Provided that the travel insurance is bought before the warning issued by the Singapore government, MSIG also offers coverage for administrative and travel expenses incurred due to cancellation or postponement of the trip, such as visa fees and accommodation deposits.

MSIG Travel Easy also provides up to $1,200,000 in personal accident cover, which includes accidental death and permanent disability. MSIG offers three levels of coverage with varying benefits and claims payouts: Standard, Elite, and Premier.

MSIG travel insurance also offers promotions to keep their prices competitive, like the current 45% discount off single trip MSIG travel insurance plans and 20% off annual travel insurance plans (ends 30 June 2022). MSIG is a part of MS&AD Insurance Group, a leading insurer in Asia with a presence in over 46 countries worldwide.

It is important to note that coverage is subject to the terms and conditions of the travel policy and should be purchased through a reputable insurance broker.

Travel insurance by MSIG offers coverage for unforeseen events that may disrupt your travel plans. If public transport delays occur due to circumstances such as strikes, riots, civil commotion, poor weather conditions, natural disasters, breakdown of public transport, or airport closures, the policy will pay for any additional administrative and travel expenses incurred to book alternative transport to the same destination.

In addition, the policy also provides coverage for other potential risks such as medical expenses incurred overseas due to pregnancy-related illnesses, replacing a traveler in case of serious injury, illness, death, or that of their family member or travel companion, and more.

Moreover, while the coverage limit for emergency evacuation is slightly low in the Standard plan, the overall coverage offered is adequate. The premium for a 7-day trip to South Korea starts from S$64, and for a 14-day trip to Germany, the premium starts from S$159.50 under the Standard plan.

It is important to note that the policy’s prices are subject to promotions and discounts, such as a 45% discount off single trip MSIG travel insurance plans and 20% off annual travel insurance plans (ends 30 June 2022).

Overall, MSIG’s travel insurance policy is a comprehensive solution to protect your travel plans from unforeseen disruptions.

Why MSIG Travel Insurance?

MSIG covers the insolvency of licensed travel agencies registered with the Singapore Tourism Board (including NATAS-registered travel agencies).MSIG Travel Insurance is a great option for travelers looking for peace of mind during their journeys. One of the main benefits of MSIG travel insurance is its worldwide coverage, which includes medical and travel assistance services available 24/7.

MSIG offers several plan types, including Travel Easy Standard, Elite, and Premier, each providing varying levels of coverage for trip cancellation, lost or damaged baggage, and medical expenses incurred during the trip. The Travel Easy Pre-Ex plan also covers pre-existing medical conditions up to $200,000 in medical evacuation and repatriation expenses.

MSIG Travel Insurance also offers protection in the event of insolvency of licensed travel agencies, allowing for reimbursement of additional travel and accommodation expenses. Furthermore, MSIG has a strong presence in Southeast Asia, with dedicated offices in Thailand and Vietnam, making it a convenient option for travelers in these regions.

MSIG Travel Insurance is a reliable option for travelers seeking comprehensive coverage, worldwide protection, and assistance services. Its range of plan types, additional coverage options, and regional presence makes it a top choice for travelers looking for peace of mind.

How to buy MSIG Insurance?

To purchase MSIG Travel Insurance, residents of Singapore can apply for the policy online through the MSIG website or the company’s authorized agents. Those residing in Singapore on a work permit or long-term visit pass may also apply for travel insurance coverage. It is important to note that different plans have different coverage limits and requirements.

When purchasing MSIG Travel Insurance, customers must provide details about their trip, such as travel dates, destinations, and the number of travelers. The policy covers changes to travel arrangements, such as delays caused by natural disasters, public transport breakdowns, or airport closures.

How much do I have to pay for travel insurance offered by MSIG?

The cost of MSIG travel insurance varies depending on the duration of your trip and the coverage you choose. Based on the information provided by MoneySmart.sg, a 7-day trip to Australia will cost between $74 to $143 in premiums with MSIG Travel Insurance.

Meanwhile, a comparison made by AsiaOne revealed that the payout for overseas medical fees due to Covid-19 is $65,000, which falls short of other policies offering $100,000 and upwards in claims.

It’s worth noting that the coverage and premiums may differ based on the policy and region. For instance, MSIG Hong Kong refunds single and annual trip plans provided the customer gives them seven days written notice before embarking on the journey.

On the other hand, MSIG Malaysia offers TravelRight Plus Insurance, which provides coverage for travel cancellations, flight delays, stolen travel documents, overseas medical expenses, and follow-up medical treatment.

Their maximum limit for any single article, pair, or set of articles is HK$2,000, while the maximum limit for all sports equipment, valuables, cameras, camcorders, and audio/video equipment is HK$5,000.

To determine the specific cost of MSIG travel insurance, it is best to check their website and review the policy wording, coverage, terms, conditions, and exclusions that apply to your region and type of policy.

MSIG Traveleasy travel insurance promotions

MSIG Travel Insurance offers a range of promotions and discounts on its insurance plans, including single trip and annual travel insurance plans. Currently, customers can avail of a 45% discount on single trip MSIG travel insurance plans and a 20% discount on annual travel insurance plans, which ends on June 30, 2022.

MSIG Travel Insurance provides destination-specific insurance policies for customers planning trips to various parts of the world. The policies offer medical coverage and emergency medical evacuation tailored to that region. For customers traveling to Asia, the policies provide coverage for medical emergencies and evacuation.

MSIG’s travel insurance plans to cover additional administrative and travel expenses incurred to book alternative transport to the same destination if there are delays to public transport due to strikes, riots, civil commotion, poor weather conditions, natural disasters, breakdown of public transport, or closure of the airport.

Customers can use promo codes to avail of discounts on MSIG Travel Insurance plans. CouponAnnie has five active savings regarding MSIG Insurance, including one promo code, four deals, and no free delivery savings. Customers can get up to a 75% discount on the plans.

MSIG Travel Insurance regularly updates its website with attractive promotions and discounts on its plans. Customers can enjoy 40% off the single trip plan and 20% off the annual plan. Check back regularly for the latest offers.

How do I make a claim for MSIG travel insurance?

If you need to make a claim for MSIG travel insurance, the process is easy and straightforward.

Here are the steps you need to follow:

• If applicable, prepare all necessary documents before contacting MSIG directly or through your credit card provider. This may include your policy details, proof of travel, medical reports, receipts, and other relevant documents.
• Notify MSIG of your claim as soon as possible . You can do this by calling their hotline at +65 6323 8288 if you are overseas or +65 6827 7660 if you are in Singapore. You should provide the policyholder’s name and ID/FIN number or policy number when seeking assistance.
• Provide all necessary information and documentation to support your claim. This may include proof of your travel itinerary, expenses, and the reason for your claim. Claims must be made within 7 days before the policy start date for travel cancellation. The claim must be made due to unforeseen circumstances such as sudden travel advisory or restrictions at the planned destination or in Singapore.
• Wait for the processing of your claim. MSIG aims to provide a smooth claims experience for their clients, and they will keep you updated on the progress of your claim. You can log into your account or contact customer service for updates.

It is important to note that MSIG will pay claims under travel cancellation if the reason for cancellation is due to unforeseen circumstances beyond your control, such as sudden travel advisory or restrictions at the planned destination or in Singapore. Claims must be made within 7 days before the policy start date.

Additionally, suppose you need to pay a claim under section 15 of the policy, which covers travel cancellation. In that case, you need to apply by MSIG insurance within 30 days of the occurrence of the event that caused the claim.

Overall, MSIG has a simple and efficient claims process for their travel insurance policies, and they are committed to providing their clients with the best possible experience.

Compare MSIG Traveleasy with other travel insurance providers

Several reputable travel insurance providers offer comprehensive coverage and competitive rates.

Some of the top travel insurance providers include:

• Allianz Global Assistance 
• AXA Assistance USA 
• AIG Travel Guard 
• World Nomads 
• Seven Corners 
• Generali Global Assistance 
• Nationwide 
• Travelex 

MSIG Travel Insurance is a popular travel insurance provider that offers coverage for various risks and events that may occur while traveling. To compare MSIG Travel Insurance with other travel insurance providers, we can take a look at some of the popular options available in the market.

One such provider is Allianz Global Assistance, which offers various individual and family coverage plans. The plans cover medical expenses, trip cancellation, interruption, and emergency medical transportation. Another popular provider is Travel Guard by AIG, which offers similar coverage for medical expenses, trip cancellation, interruption, and baggage loss or delay.

Singlife Travel Insurance is another provider that offers high maximum payouts for personal accident cover, similar to MSIG TravelEasy [4]. Meanwhile, USI Affinity Travel Insurance Services provides coverage for trip cancellation, emergency medical expenses, and accidental death and dismemberment.

When comparing MSIG Travel Insurance with these providers, it is important to consider the specific coverage needs and budget. MSIG Travel Insurance stands out for offering coverage for pre-existing conditions and automatically including COVID-19 coverage. MSIG TravelEasy also offers three coverage tiers, allowing travelers to choose the most suitable option based on their needs and budget.

Overall, MSIG Travel Insurance is a solid option for travelers looking for comprehensive coverage, including coverage for pre-existing conditions and COVID-19 and the ability to choose from different levels of coverage. It is essential to compare the specific coverage and pricing of different providers before deciding.

How do I contact MSIG travel insurance for further information?

If you need further information regarding MSIG Travel Insurance, there are a few ways to contact them. You can visit their official website and fill out their online contact form with your query, and they will get back to you via email or phone call as soon as possible.

Additionally, you can contact MSIG’s customer service hotline at +65 6827 7660 (operational between 8:45 am to 5:30 pm, from Mondays to Fridays, except public holidays) for general or claims inquiries.

 If you require emergency assistance while onboard, please call MSIG’s 24-hour Worldwide Travel Assistance Hotline at +65 6323 8288. The hotline is available for all MSIG policyholders who require emergency assistance while traveling abroad. It is important to note that the hotline is only available for emergency assistance and non-emergency.

Still, urgent requests should be made through phone claims at MSIG’s customer service hotline at +65 6827 7660 during business hours, from 8:45 am to 5:30 pm, Monday to Friday, except for public holidays.

For general or claims inquiries, contact MSIG’s customer service hotline at +65 6827 7660 during business hours. The hotline can help you with any queries about policy coverage, claim procedures, and other general inquiries. When seeking assistance, it is important to have the policyholder’s name and ID/FIN number or policy number on hand.

Alternatively, you can visit MSIG’s website to learn more about their travel insurance products and coverage options. You can also submit an online inquiry to contact their customer service team through the website. MSIG also has a strong social media presence, and you can contact them through their Facebook, Instagram, or Twitter accounts for further information and assistance.

Moreover, if you prefer to communicate with MSIG Travel Insurance via social media, you can contact them on their Facebook page or Twitter handle. They are quite active on social media and usually respond to customer inquiries within a reasonable time frame.

Renewal of MSIG travel insurance

MSIG offers a convenient way for customers to renew their travel insurance policies through its “Take it Easy” system, which is available on its website [6][7]. This system allows customers to renew their policies online quickly and easily without the need for any paperwork or manual intervention.

To renew MSIG travel insurance using the “Take it Easy” system, customers need to log in to their account on the MSIG website and select the “Renewal” option under the “My Policies” section. They will then be prompted to enter their policy number and other required details to proceed with the renewal process. Once the payment is processed, customers will receive their renewed policy documents via email.

However, if the policy has expired or is company-registered, customers cannot use the “Take it Easy” system for renewal. Instead, they must fill out a form to request a manual quotation. The form requires customers to provide their personal details and policy information, after which they will receive a quotation via email. Customers can then proceed with the renewal process as instructed in the email.

MSIG Travel App

MSIG’s Travel App provides an easy and convenient way for users to manage their travel insurance policies on the go. Users can file claims, view claims status, and request emergency assistance directly from their smartphones. The app also supports MSIG Motor, Home, and Medical Insurance policies.

Additionally, MSIG’s TravelEasy travel insurance policy offers three levels of coverage (Standard, Elite, and Premier) with varying coverage and claim payouts. The policy protects travelers against unexpected events like medical emergencies, lost luggage, and trip cancellations.

Users who purchase TravelEasy plans through MoneySmart can also enjoy up to 40% off all plans and be eligible for a Lucky Draw to win up to S$55,000. Overall, MSIG’s Travel App and TravelEasy policy provide comprehensive coverage and convenient services for travelers seeking peace of mind during their trips.

Frequently Asked Questions

Can i purchase msig travel insurance for multiple trips at once.

Yes. A single MSIG policy can cover multiple visits, so don’t worry! Each journey is unique, so the coverage options and associated costs will vary accordingly.

Does MSIG travel insurance cover trip cancellation due to political unrest or natural disasters?

Yes. Cancellation of your vacation due to things like war or a natural disaster is covered by MSIG travel insurance.

Can I purchase MSIG travel insurance for a single trip or commit to an annual policy?

Yes. Whether you plan to take one trip or ten, MSIG has you covered. If you travel frequently, you can purchase an annual policy from the company.

Does MSIG travel insurance cover lost or stolen personal items?

A: Yes. MSIG’s travel insurance covers theft and loss of personal belongings as optional.

Will my MSIG travel insurance policy cover me if I cancel my trip due to a family emergency?

Yes, trip cancellation due to unforeseen occurrences like a family emergency is covered by MSIG’s travel insurance.

Will my MSIG travel insurance policy cover me if I cancel my trip due to my job?

This is conditional upon the policy terms and the grounds for cancellation. It is recommended that you review the policy’s terms and conditions to determine whether or not cancellations due to employment are covered.

Will my MSIG travel insurance policy cover me if I get sick or injured while traveling?

Yes. An MSIG travel insurance policy often covers medical costs incurred due to a sickness or injury while traveling.

 Will MSIG travel insurance cover me if I change my travel plans due to COVID-19?

Coverage alternatives for disruptions due to COVID-19 are available through MSIG’s travel insurance policies. Depending on the policy you select, the coverage details may vary.

If there are changes to the travel advisory during my travel, can I claim under Section 21 (Shortening the trip) or Section 22 (Travel disruption)?

If there are changes to the travel advisory during your trip, you may be able to claim under Section 21 or Section 22 of your MSIG travel insurance policy. Section 21 typically covers situations where you need to shorten your trip due to unforeseen events beyond your control, while Section 22 covers expenses incurred due to travel delays or cancellations. However, it is important to note that your policy’s specific terms and conditions will determine whether you are eligible for a claim. For example, some policies may require that you have purchased your policy and made your travel arrangements before a certain date (e.g., 7 days before the policy start date) to be eligible for a claim under these sections. Additionally, if you are planning to travel to a destination with known travel advisories or restrictions, it is important to review your policy carefully to understand any exclusions or limitations related to those restrictions. You should also check with your travel provider and stay up-to-date with any changes to travel advisories or restrictions that may impact your trip.

Can a person aged 70 years and above buy travel insurance for a single trip or an annual travel plan?

The availability of travel insurance for individuals aged 70 and above may vary depending on the insurance provider and the plan selected. However, MSIG Travel Insurance does offer coverage for individuals up to the age of 99 years old, provided that they meet the eligibility criteria. It’s important to note that individuals in this age range may face higher premiums and more limited coverage options due to their age and potential health risks. It’s recommended to compare the available plans and read the policy documents carefully to ensure that the desired coverage is included and any restrictions or exclusions are understood.

Am I covered for medical expenses if I tested positive for COVID-19 within 72 hours of returning to Singapore?

MSIG travel insurance covers medical expenses if you tested positive for COVID-19 within 72 hours of returning to Singapore, as long as you purchased a travel insurance plan that includes COVID-19 coverage.

Does MSIG’s travel insurance provide coverage if the travel agency goes bankrupt?

MSIG Travel Insurance does not provide coverage if the travel agency goes bankrupt. However, depending on the policy’s terms and conditions, the policy may provide coverage if the airline or hotel goes bankrupt. It is essential to carefully read and understand the policy’s coverage and exclusions before purchasing it.

Does TravelEasy provide cover for cruise travel?

According to the MSIG website, their TravelEasy plan covers cruise travel under its worldwide plan. However, the coverage may vary depending on the plan option chosen and the policy terms and conditions. Reviewing the policy document or contacting MSIG directly to understand the coverage details and limitations for cruise travel under the TravelEasy plan is recommended.

How can I obtain an unencrypted (non-password protected) TravelEasy ePolicy for submission to the authorities of the country I am traveling to?

To obtain an unencrypted (non-password protected) TravelEasy ePolicy for submission to the authorities of the country you are traveling to, you can contact MSIG’s customer service hotline or email them to request a copy. Alternatively, you can log in to your TravelEasy account, go to the “Policy Details” page, and select the option to download the unencrypted ePolicy. It’s important to note that some countries may require a hard copy of the policy, so it’s best to check the specific requirements of your destination country.  

If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy policy?

Generally, TravelEasy policies come with a free-look period during which you can cancel your policy and receive a full refund of the premium paid, provided you haven’t made any claims, and your trip hasn’t commenced. However, if you decide to cancel your policy after the free-look period, you may not be entitled to a refund. It’s important to carefully read the policy terms and conditions to understand the cancellation and refund policy.

If I did not seek medical treatment for an injury or illness during my overseas travel, can l recover medical expenses incurred in Singapore after my return to Singapore?

No, you cannot recover medical expenses incurred in Singapore after returning from overseas travel if you did not seek medical treatment for an injury or illness during your trip. Travel insurance typically covers medical expenses incurred during the trip, not after the trip.

What Countries Are Covered Under MSIG TravelEasy Travel Insurance?

MSIG TravelEasy travel insurance offers coverage for both domestic and international travel. The countries covered by MSIG TravelEasy travel insurance are divided into two areas, namely Area A and Area B, and the premiums for coverage depend on the area in which you are traveling. Area A includes Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, and Vietnam. Area B includes Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, and Taiwan.

In conclusion, MSIG Travel Insurance offers comprehensive coverage and flexibility for travelers abroad. With over 50 benefits, including coverage for trip cancellations, medical expenses, and lost or damaged baggage, MSIG’s TravelEasy plans cater to different levels of coverage needs and budgets.

Additionally, their flagship travel insurance plan automatically includes COVID-19 coverage, providing peace of mind for travelers during these uncertain times.

MSIG’s TravelEasy Pre-Ex plans also cater to travelers with pre-existing medical conditions, providing coverage for injury or illness sustained during the trip and emergency medical evacuation. The absence of an age limit for coverage makes it an ideal option for senior travelers.

The company’s commitment to customer service is evident through its user-friendly online platform, which allows easy comparison of plans and purchasing. Additionally, they have a dedicated claims team available 24/7 to ensure a hassle-free claims process.

While the price of MSIG’s travel insurance plans may vary depending on the destination country, the coverage benefits and customer service quality make it a popular choice among travelers. MSIG Travel Insurance provides a comprehensive and reliable option for travelers seeking peace of mind and protection during their trips abroad.

MSIG Travel Insurance (2022). Find Out Now! – PolicyStreet: Your One …. https://www.policystreet.com/travel-insurance/msig

Travel Insurance | TravelEasy | MSIG Singapore. https://www.msig.com.sg/personal-insurance/traveleasy

VA Benefits for Veterans’ Surviving Spouse, Children and Widows (2023 …. https://www.hillandponton.com/veterans-benefits-for-widows-explained/

MSIG TravelEasy® – Standard Chartered Singapore. https://www.sc.com/sg/insurance/msig-traveleasy/

SOLD OUT: Dave Schrader’s Dark Supernatural Trails of Germany & Prague. https://mysteriousadventurestours.com/tour-item/dave-schraders-dark-supernatural-trails-of-germany-prague/

Best Covid-19 Travel Insurance Plans (2023) – SingSaver. https://www.singsaver.com.sg/blog/best-covid19-travel-insurance-plans

CHECKLIST – cloudcdn.taiwantradeshows.com.tw. https://cloudcdn.taiwantradeshows.com.tw/2019/tadte/manual-en/p1-22.pdf

Free Samples: Refund Request Letter – Request Letters. https://requestletters.com/home/writing-a-refund-request-letter-with-sample

Nivito Sink Promotion Singapore: nivito.sg | Jimny. https://www.newsuzukijimny.com/nivito-sink-promotion-singapore-nivito-sg

Terms and Conditions – Consumer Banking | ADCB. https://www.adcb.com/en/terms-conditions/

2023’s Top 5 Pre-Existing Condition Travel Insurance Plans . https://www.visitorsinsurancereviews.com/top-pre-ex-plans/

TRAVEL GUARD DIRECT TRAVEL INSURANCE POLICY POLICY WORDING – AIG. https://www.aig.sg/content/dam/aig/apac/singapore/travel/travel-guard-direct-policy-wording-on-after-26-june-2021.pdf

Returns & Refunds | Customer Services | John Lewis & Partners. https://www.johnlewis.com/customer-services/returns?dt=informationOnOurReturnsPolicy

Compare Travel Insurance Australia – Canstar. https://www.canstar.com.au/travel-insurance/

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[GIVEAWAY | FLASH SALE | Receive your cash as fast as 30 days*]   • For a limited time only, enjoy up to 55% off your policy premium. Valid till 16 Sep 2024.   Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.   PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Are you eligible?

MoneySmart Exclusive: Promotion is valid from 12-September-2024 to 18-September-2024.

Revolut Giveaway:  Promotion is valid from 01-September-2024 to 30-September-2024.

Customers need to apply through MoneySmart to be eligible.

Customers need to submit the MoneySmart Claim Form by 19th September 2024  to be eligible.

This promotion is valid for MSIG Single & Annual Trip Travel Insurance.

What you need to know

Flash Sale: Enjoy 55% off  ( Single Trip)  and 20% off  ( Annual Trip) MSIG policy premiums. (no promo code required). Valid till 16 September 2024.

Receive  S$30 Trip.com Hotel Coupon  and an  Eskimo Global 1GB eSIM   as fast as 2 working days*  with every policy purchased. No min. spend required.  (No Claim Form Required).   T&Cs apply.

In order to qualify for your rewards: a. Premium  below S$64.99  (no min. spend) after any MSIG discount      i.  S$30 Revolut cash reward

b. Minimum premium of S$65  after any MSIG discount     i. S$10 Cash via PayNow and S$30 Revolut cash reward

c. Minimum premium of S$120  after any MSIG  discount     i. S$20 Cash via PayNow and S$30 Revolut cash reward

d. Minimum premium of S$240  after any MSIG discount     i. S$45 Cash via PayNow and S$30 Revolut cash reward     ii. OR 1 x Apple AirTag (worth S$45.40) and S$30 Revolut cash reward

*Faster cash redemption will be sent as fast as 1 month from 30th September 2024

Score  S$100 Revolut cash reward  in our giveaway with every travel insurance policy purchased (no min. spend) when you are the 8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

At times, you may need to make a claim under your insurance policy. Fret not, that's what insurance is for. Simply make your claim through MSIG's Claims Page here .

Quick Facts

What is covered under the plan.

Includes medical & trip coverage for Covid-19

All Details

Key features.

COVID-19 coverage of up to $300,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Covid-19 Protection

Travel inconvenience, personal accident, medical coverage, personal protection, leisure activities, other coverage protection, plan materials, moneysmart promotions.

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Income’s Travel Insurance Review (2024): COVID-19 Coverage, Pre-existing Conditions, Promotions, Premiums

When you come across the acronym “NTUC,” the FairPrice supermarket probably comes to mind, as every self-respecting auntie would attest. However, frequent travellers may also associate it with the renowned travel insurance plans offered by NTUC Income. Now rebranded as Income Insurance , how does its travel insurance plans fare in the current market?

There is a prevailing notion that Income’s travel insurance plans come with a hefty price tag. Additionally, certain internet users have voiced grievances about the perceived challenge in filing claims.

Are these rumours accurate? Let’s delve into the truth once and for all.

Income’s Travel Insurance Review 2024

• Income’s Travel Insurance: Summary
• Income’s Travel Insurance Coverage
• Does Income’s Travel Insurance Cover Pre-Existing Conditions?
• What About COVID-19 Coverage?
• The Moment of Truth…How About Extreme Sports?
• Comparing Income vs MSIG vs Etiqa
• Comparing Income vs FWD
• Income Travel Insurance vs Other Travel Insurers
• Ongoing Promotions
• What Do Netizens Think About Income’s Travel Insurance?
• The Verdict: Should I buy Income’s Travel Insurance?

1. Income’s Travel Insurance: Summary

Income has 2 travel insurance plans:

• Standard plans
• Income Enhanced PreX plans (covers pre-existing medical conditions)

Total Premium

INCOME Enhanced PreX Basic

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • Enjoy 25% off your Single Trip  policy premium.  T&Cs apply.   Get over S$65 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.    S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Key Features

Income's Enhanced PreX Travel Insurance offers coverage for pre-existing medical conditions.

Covers up to S$150,000 overseas medical expenses, emergency medical evacuation and repatriation due to pre-existing medical conditions.

Pre-existing medical conditions that are covered include diabetes, heart conditions, high blood pressure, asthma, eczema and more.

Coverage for overseas medical expenses. Includes treatment relating to COVID-19 while overseas.

The only insurer in Singapore to offer a yearly travel insurance policy that protects you against your pre-existing conditions.

Enjoy exclusive treats for Income policyholders at https://www.income.com.sg/treats

Includes coverage for adventurous activities including scuba diving, skiing, snowboarding, bungee jumping, sky diving, hiking, hot air balloon and more.

Each travel insurance plan is then further sub-divided into 3 plan tiers which provide different amounts of coverage:

• Classic / Basic PreX
• Deluxe / Superior PreX
• Preferred / Prestige PreX (most expensive)

The premiums you will pay for your travel insurance plan largely depend on the country you’re travelling to. Usually, the further your country of destination, the more expensive your travel insurance plan will be. Here are the countries that are covered by Income travel insurance :

• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : All the ASEAN countries, Australia, China (excluding Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan
• Worldwide : All countries
• Countries not covered : Afghanistan, Iraq, Liberia, Sudan, Syria

Back to top

2. Income’s Travel Insurance Coverage

Here’s a quick look at the premiums and coverage for the Income’s  Standard travel insurance  plans:

Income travel insurance medical coverage

At $250,000 to $1,000,000, Income’s Travel Insurance overseas medical coverage is generous compared to some of its competitors such as Sompo Travel Insurance’s $200,000 to $400,000 overseas medical limit.

However, do note that for adults aged 70 years and older, the coverage for medical expenses overseas, emergency medical evacuation, and sending you home all share one overall section limit of $300,000 (Classic and Deluxe) / $350,000 (Preferred). If you’re in this age range, this  may not be sufficient coverage for you.

For complete peace of mind, you might want to opt for plans that offer unlimited medical evacuation and repatriation coverage.   FWD travel insurance’s  most basic tier offers $200,000 coverage for o verseas medical expenses and unlimited coverage for emergency medical evacuation:

FWD Premium

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy 25% off your policy premium.      Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.      S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Income travel insurance trip disruption coverage

One great advantage of Income’s travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For example,  Allianz Travel offers $1,500 to $10,000 for trip cancellation, while Tiq travel insurance offers $5,000 to $10,000.

For travel insurance plans with comparable coverage to Income’s, check out  Great Eastern  (up  to $15,000 coverage) and  AIG (up to $15,000).

Great Eastern TravelSmart Premier Classic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 30% off your policy premium. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Comprehensive worldwide protection with extensive medical coverage

Extended to coverage for travel inconveniences and medical expense due to COVID-19

One way coverage is available to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

Coverage for Emergency Dental Treatment, Traditional Chinese Medical (TCM) and Chiropractor treatments

Protect against pregnancy-related conditions while you are overseas

AIG Travel Guard® Direct - Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$105 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get up to S$40 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct.

3. Does Income’s Travel Insurance Cover Pre-Existing Conditions?

Income is one of the few insurers in Singapore providing comprehensive  travel insurance plans that cover pre-existing medical conditions such as asthma, eczema, diabetes, high blood pressure and even heart disease. The other 2 that cover pre-existing conditions are  MSIG travel insurance and Etiqa travel insurance .

The most obvious difference between Income’s Enhanced PreX travel insurance plan and its regular Travel Insurance plan is, of course, price. The cheapest Income Enhanced PreX plan  costs over twice the price  of a regular Income travel insurance plan.

For those who have major health problems, you don’t have much of a choice. There’s no point in buying a cheap normal insurance plan with no coverage for you because you definitely will not be able to claim medical expenses, evacuation costs or travel delays linked to a flare-up of your condition.

It is especially worth the money if your condition is either life-threatening or very expensive to treat overseas.

However, if you have a condition that’s not immediately life-threatening, such as eczema, then it is your choice whether you want to spend more on Pre-Ex travel insurance for better coverage.

It’s important to look at the coverage limits if you’re seriously considering pre-existing travel insurance. Why? If you’re travelling somewhere with really expensive healthcare, like Europe or the US, you might want to upgrade to the Enhanced PreX Prestige plan.

INCOME Enhanced PreX Prestige

Covers up to S$300,000 overseas medical expenses, emergency medical evacuation and repatriation due to pre-existing medical conditions.

Income’s Enhanced PreX Travel Insurance Premiums and Coverage

Is Income’s travel insurance for pre-existing medical conditions any good? Yes. For one,  Income PreX travel insurance covers COVID-19  while  MSIG TravelEasy Pre-Ex and  Tiq Travel Insurance Pre-Ex don’t cover you for COVID-19. So, if you want both pre-existing medical conditions and COVID-19 coverage in your travel insurance, Income Enhanced PreX is your only choice.

Even though Income Pre-Ex Travel Insurance offers you COVID-19 coverage, the downside is that they’ve lowered the medical benefits you get if you’re aged 70 and above. For example, for those aged 70 and above, Income Enhanced PreX’s overseas medical and emergency medical evacuation coverage share a total claim limit of $300,000 for its basic plan tier (as opposed to up to $500,000 in overseas medical expenses and unlimited medical evacuation coverage for under 70s). 

By comparison, MSIG TravelEasy Pre-Ex Standard (the basic tier) offers $250,000 / $50,000 medical coverage (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Tiq basic pre-ex travel insurance plan offers $200,000 overseas medical coverage and $1,500,000 combined coverage for evacuation and repatriation of mortal remains.

Otherwise, Income Enhanced PreX’s miscellaneous trip cancellation and baggage delay benefits are pretty good. Travel inconvenience benefits for the Basic PreX plan are higher than those for the Classic standard plan, while benefits for the Superior PreX and Prestige PreX plans match those for the Deluxe and Preferred standard plans respectively.

4. What About COVID-19 Coverage?

Whether you buy an Income Travel Insurance Standard or an Income Enhanced PreX Travel Insurance plan, you’ll be relieved to know that all Income Travel Insurance plans automatically come with COVID-19 coverage.

You can find the COVID-19 coverage details at the very bottom of the usual Income travel insurance coverage tables for Standard plans and PreEx plans . There’s also a separate  Income Travel Insurance COVID-19 policy wording  document that you can refer to. Here are the most important bits:

Most of us will not scrutinise the individual coverage limits on our travel insurance. We place a whole lot of trust in insurance companies to cover the bare essentials.

The good news is that Income’s Travel Insurance COVID-19 extension is simple and adequate. Take COVID-19 overseas medical coverage, for example. Income offers $150,000 while MSIG TravelEasy’s basic plan offers $75,000 and Etiqa’s basic plan offers $100,000.

Then, there’s overseas COVID-19 quarantine cash allowance, for which Income offers $100 per day, up to $1,400. In contrast, Etiqa’s basic plan offers $100 per day up to $500, and MSIG’s basic plan offers $50 per day up to $700.

Perhaps the most important distinction is that Income’s COVID-19 coverage applies to both their Standard plans and the PreEx ones. That’s rarer than you might think. For example, Etiqa’s Pre-Ex plans and MSIG’s TravelEasy Pre-Ex plans don’t cover COVID-19 disruptions at all; their COVID-19 add-ons apply only to their standard plans. So if you have pre-existing conditions and want COVID-19 coverage, Income travel insurance is your best choice by a mile.

5. The Moment of Truth…Does Income’s Travel Insurance Cover Extreme Sports?

Income’s Travel Insurance covers common vacation activities like scuba diving and skiing. It’s also adequate if you’re just looking to snorkel or participate in an easy trek with a guide or tour group with a licensed outdoor adventure operator. Here are a few outdoor adventure activities that are included in their coverage:

* For scuba diving: On top of the 30m depth limit, you must also:

• hold a PADI certification (or similar recognised qualification) and be diving with someone who is also certified; or
• dive with a qualified instructor

The coverage above  applies to their Income PreEx plans as well as the Standard ones. That makes for very comprehensive travel insurance plans, if you ask me.

6. Comparing Income vs MSIG vs Etiqa

If you’re considering Income’s Travel Insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa.

Income and MSIG automatically include COVID-19 coverage in their standard travel insurance plans, while this is an optional add-on for Etiqa. Other plans that include automatic COVID-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance. However, if we look at pre-existing plans, only Income travel insurance offers COVID-19 coverage.

In terms of overseas medical expenses, all 3 insurers offer quite comparable coverage. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, Income and MSIG travel insurance plans’ coverage are pretty much on par while Etiqa’s falls slightly short.

All things considered, Income, MSIG and Etiqa’s travel insurance plans are surprisingly similar and competitive. The one key difference is emergency medical evacuation coverage for people aged 70 and over—Income’s Travel Insurance parks that under the overall overseas medical expense limit as we discussed above .

7. Comparing Income vs FWD

When you pit Income Travel Insurance against one of the most popular “budget” travel insurance providers, FWD, you’ll realise that the travel insurance offerings are very similar and competitive.

Between Income Travel Insurance and FWD travel insurance, coverage is largely on par if you’re considering a basic travel insurance plan with COVID-19 coverage. However, FWD’s prices are lower even if you purchase the COVID-19 add-on.

8. Income Travel Insurance vs Other Travel Insurers

At a glance, here’s how Income’s travel insurance stacks up compared to the other major travel insurers in Singapore.

9. Income travel insurance—Ongoing promotions

Even though many Singaporeans probably don’t mind paying more for Income travel insurance just because it’s a household brand name, their travel insurance plans aren’t the most affordable.

However, with ongoing promotions like the current 55% discount promo, it can be value for money. All standard per-trip plans qualify for the promo. For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $31 after the discount. Here are the premiums you’ll be paying with the current 55% discount promo:

In addition, Income is offering an additional 15% off Enhanced PreX per-trip plans. These start from $88 per week. Pricey, yes, but their pre-existing condition plans offer the best coverage compared to others .

10. What Do Netizens Think About Income’s Travel Insurance?

If you follow insurance threads on forums or even talk to your friends about insurance claims over  kopi , you might have gotten wind of Income’s bad claims reputation . 

Unfortunately, online forums such as Hardwarezone and Reddit are full of similar stories from users claiming that their Income insurance claims were slow, long-drawn-out and plagued with difficulties. According to the users’ Income claim experiences, there was a lot of emphasis on the need for original invoices to be submitted.

To be fair, between these nasty stories, you’ll also find users who managed to claim from Income smoothly and received their cheques in the mail.

So, how do you make a claim? Your first port of call should be to get in touch with Income ASAP.

Income Travel Insurance Emergency hotline:  Call the Income emergency assistance hotline at +65 6788 6616

Here’s where it gets confusing. You have to identify the type of claim that you’re making and the “correct” way to submit it. Super important: all claims must be made within 30 days of the event or incident.

Income Travel insurance online claims:  Submit Income Travel Insurance claims online with supporting documents such as invoices, flight itineraries, police reports, etc. through their website. You can do so for the following benefits:

• Trip cancellation
• Trip shortening
• Travel delay
• Baggage delay
• Loss and damage of baggage or personal belongings

Income Hard copy claims:  For medical expenses, you need to fill in the Income Travel Insurance claim form and drop off the hard copy form with the supporting documents such as hospital bill, medical report, boarding pass, etc. at an Income branch.

Income Email claims:  For claims that do not involve travel inconveniences (see above) and medical expenses (see above), you’ll need to fill in Income’s Travel Insurance claim form digitally, and email it together with your supporting documents to [email protected] . Include your travel policy number in the subject line.

Income Claims settlement time:  If there is no dispute, Income will settle your claims within 10 working days or longer during high-volume travel periods like school holidays.

11. The Verdict: Should I buy Income’s Travel Insurance?

Income Travel Insurance isn’t the absolute cheapest around, but their regular travel insurance plans are very  affordable and value for money  when there’s a 55% promotion going on.

However, just because it’s a brand name doesn’t mean that its coverage is the highest in town, especially when you compare it with value-for-money providers like FWD. That’s not a problem for most travellers though, unless you’re going to a super expensive country or encounter some unusual scenario.

For most Singaporeans who just want to eat, chill and relax on holiday, Income’s travel insurance is more than adequate especially as it also provides COVID-19 coverage—even for pre-existing conditions. However, daredevils should take note that it does not cover more thrilling activities like mountaineering and other extreme sports.

If you have a  pre-existing medical condition , Income Enhanced PreX is one of the very few travel insurance options suitable for you. It is pricey for sure, but probably worth the money if you have a life-threatening condition like asthma or heart disease. Make sure that the plan is sufficient to cover your overseas expenses and/or evacuation.

Still looking for travel insurance?  Compare the best travel insurance in Singapore at MoneySmart.

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