msig travel insurance singapore

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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 .

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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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Enjoy 40% off Single Trip Plans and 20% off Annual Plans with Travel Easy ® . Applicable till 6 May 2024. T&Cs apply.

• MSIG TravelEasy®
• Apply Now Apply Now

Enjoy holiday protection in every direction

Travel Easy ® has over 50 benefits and COVID-19 cover for your care, even before you take off. Follow your wanderlust and start packing for your long-awaited dream destination.

Terms and conditions and exclusions apply.

COVID-19 Cover

Benefits are in SGD. Terms and conditions and exclusions apply.

Emergency Medical Evacuation

Insolvency of Licensed Travel Operator

Delayed Departure

1  The limits under adult & children/family cover are subject to individual cover limits for each insured person

2 Public transportation excludes taxis, a rented vehicle, vehicle on hire, ride-hailing services, tour coach or any mode of transportation chartered or arranged for the tour

Plans & Premiums

For the “Adult & Child(ren)” cover option (i.e. only one of the parents is travelling with children), the premium is 75% of the Family cover’s premium. (rounded down to nearest fifty cents)

Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand and Vietnam

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

Worldwide including countries in Areas A and B

Single Return Trip

Provides cover for an individual, group or family for a trip up to maximum duration of 182 days.

All travellers on the same trip must have the same departing and returning date.

Annual plan

Provides cover for individual or family for unlimited number of trips in a year with maximum duration of 90 days for each trip. Travellers under the same policy need not travel together.

For all plan types, child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.

Cover starts from the time you leave your home or workplace in Singapore to begin the trip abroad and ends 3 hours after your return to Singapore or on the expiry of your travel insurance, whichever is sooner.

Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing from and returning to Singapore within the period of your travel insurance.

Single Trip – Yes, all plans Annual Travel – No. However, if the purchase of any annual plan is made before the age of 70, renewal is granted for the Standard Plan only. The policy is renewable up to age 80.

All countries are covered unless expressly excluded.

Yes, Travel Easy  covers you for your cruise trip from and return to Singapore. For a cruise itinerary with destinations listed, please select the Region of travel based on the furthest destination. For a cruise itinerary to nowhere, i.e. the cruise is not making any stopover at any port/country, you may purchase the trip under Area A.

Extension of the travel insurance period of cover is permitted midway during travel and applied during the period of travel insured, provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. You can call MSIG Assist 24-hour hotline to request a period extension.

You will be entitled to a refund of the travel insurance premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.

Yes, provided it is not a pre-existing medical condition and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore.

Public transport means any licensed and scheduled land, sea or air transport which has a fixed and established route and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, and private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.

The differences between family cover and group cover are:

Family cover Covers the insured, his/her legal spouse and any number of their legal children travelling as a family of up to 7 persons. Under a family annual policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. Benefits and coverage limits for adult and child vary; please refer to the benefit table for details.

Group cover Covers 2 or more individuals (example: friends, students or relatives) travelling on the same journey and on the same plan for single trip only. The policyholder must be at least 18 years or old and travelling together on the same trip.

Please email MSIG at  [email protected] with the following information:

– Policyholder’s full name as per NRIC/FIN/Passport and last 5 alphanumerics of ID number (Example: 1234D) – Date of birth/mailing address – Contact number – Child’s full name as per NRIC/FIN/Passport, date of birth and identification number – Policy number

Upon receiving your email, MSIG will send the policy endorsement containing your child’s particulars to you within 5 working days.

Travel Easy  will cover all irrecoverable costs up to the plan limit if a Singapore Tourism Board (STB) registered and Singapore licensed travel agency becomes insolvent before the start of your trip provided that the travel insurance is bought at least 3 days before the departure date and the insolvency does not take place before you purchase your travel insurance policy.

You may download an unencrypted copy of your Travel Easy  ePolicy from MSIG customer portal at mconnect that can be found at the top panel of MSIG website and choose Customers Login.

A traveller who fulfils all the conditions below:

You are not travelling against any travel advisory issued by the Singapore government. You must comply with all requirements and advice put in place by the Singapore and relevant overseas governments, transport and accommodation providers relating to measures for minimising the risk and spread of COVID-19, including but not limited to COVID-19 vaccination requirements, pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary. During the trip, you do not knowingly stay with any person who is having or is suspected to be having a COVID-19 infection and/or is undergoing isolation or quarantine.

If you are diagnosed with COVID-19 while overseas within the first 90 days of the trip, medical expenses will be covered for up to 60 days from the date you were diagnosed by a doctor or government-approved personnel under Section 6 (Overseas medical expenses) of COVID-19 Cover. You must submit documentary proof showing the date you have taken the COVID-19 test and were diagnosed positive.

MSIG do not cover medical expenses incurred in Singapore.

MSIG do not pay for COVID-19 medical expenses incurred in Singapore. provided that the travel insurance is bought at least 3 days before the departure date and the insolvency does not take place before you purchase your travel insurance policy.

Yes, MSIG pay either under Section 21 (Travel cancellation), Section 22 (Travel postponement), or Section 23 (Replacement of traveller) under COVID-19 Cover if you are unexpectedly and unavoidably prevented from commencing the journey due to any of the following insured events which take place within 30 days before the start of the journey:

-You or your travel companion are diagnosed with COVID-19; or -You or your travel companion are quarantine-d or isolated by the local authority due to suspected or confirmed infection of COVID-19. -Your family member is hospitalised or passed away due to a COVID-19 infection. -You or your travel companion is denied boarding of the public transport by the local authority or transport provider on the scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or government-approved personnel within 5 days from the scheduled departure date.

However, MSIG will pay claims under travel cancellation and travel postponement provided you and your travel companion meet these conditions:

-The policy must be purchased at least 3 days before the trip or earlier. -Both you and your travel companion meet these conditions on and during the 7 days before the policy purchase date: -Both you and your travel companion do not have any COVID-19 symptoms such as fever, cough, shortness of breath, blocked or runny      nose, sore throat or lost sense of smell.

-Both you and your travel companion have not tested positive for COVID-19. -Both you and your travel companion have not been in close contact with suspected or confirmed COVID-19 persons or received notification/health risk warning issued by the Singapore government.

The above conditions are not applicable if you purchase the policy more than 30 days before the scheduled departure date of the trip.

If any of the conditions above are not met, MSIG will not pay a claim under Section 21 (Travel Cancellation), 22 (Travel Postponement) and 23 (Replacement of Traveller). The other sections of the policy will still cover you for the trip.

COVID-19 Cover will not pay claims due to reasons listed under exclusions such as:

-Pre-existing medical conditions and their complications, regardless of whether it is resulting or complicated by COVID-19 infection. -Changes to travel advisory, travel restrictions or COVID-19 safety measures. -Medical test, vaccination, quarantine or isolation required by the Singapore or overseas government, transport or accommodation provider that applies broadly to general travellers based on departing or arriving country, taken for the purpose of obtaining approval to travel for the journey. -COVID-19 medical treatment expenses in Singapore. -COVID-19 infection is diagnosed overseas after 60 days from the date it was first diagnosed overseas.

MSIG do 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 epidemic or pandemic at your planned destination or Singapore.

Yes, you will be covered for sections listed under “During the trip” benefits of COVID-19 Cover, if you are tested positive for COVID-19 by a doctor or government-approved personnel during the first 90 days of the trip overseas, subject to the policy and COVID-19 Cover terms and conditions.

If you tested negative by a doctor of government-approved personnel and no longer have any COVID-19 symptoms such as cough, runny nose, or shortness of breath, it will not be considered as a pre-existing medical condition.

However, please note that under Section 21 (Travel cancellation), Section 22 (Travel postponement) and Section 23 (Replacement of traveller), you and your travel companion must meet these conditions if the policy is purchased within 30 days before the start of the trip.

– This policy must be purchased at least 3 days before the trip or earlier. – Both you and your travel companion meet these conditions on and during the 7 days before the policy purchase date: – Both you and your travel companion do not have any COVID-19 symptoms such as fever, cough, shortness of breath, blocked or runny nose, sore throat or lost sense of smell. – Both you and your travel companion have not tested positive for COVID-19. – Both you and your travel companion have not been in close contact with suspected or confirmed COVID-19 persons or received notification/health risk warning issued by the Singapore government.

If 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, MSIG will pay a daily allowance under Overseas Quarantine Daily Benefit of COVID-19 Cover, for each 24-hour period of quarantine at a government-approved hotel or COVID-19 medical facility, up to 14 days to defray the cost of your quarantine.

If you incur lost or additional travel and accommodation expenses for changes or disruption to your original planned trip due to quarantine, MSIG will pay from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover, subject to policy terms and conditions.

If you are denied boarding within the first 90 days of the trip overseas due to COVID-19 symptoms and subsequently tested positive for COVID-19 within 5 days, MSIG will pay the lost or additional travel and accommodation expenses incurred by you for changes or disruption to your original planned trip from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover.

If you are required to undergo quarantine, MSIG will pay a daily allowance under the Overseas Quarantine Daily Benefit of COVID-19 Cover, for each 24-hour period of quarantine at a government-approved hotel or COVID-19 medical facility, up to 14 days, to help defray the cost of quarantine.

If your travel companion decides to make changes to their trip due to your situation, MSIG will pay 50% of their lost or additional travel and accommodation expenses incurred by your travel companion for changes or disruption to their original planned trip from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover.

Travel Easy excludes cover for pre-existing medical condition.

Important Notes

• Person who is more than 1 month old and is Singaporean, permanent resident or foreigner holding valid employment, work permit or long-term pass issued by the Singapore government and is residing in Singapore.
• Adults aged 70 years and above are eligible for single trip cover for all plans. They are not eligible for annual policies. However, if an annual policy was incepted before aged 70, renewal is granted up to 80 years for the Standard plan only.
• Trip must start and end in Singapore.
• Policyholder and insured person are not aware of any circumstances which are likely to lead to a claim at the time of arranging the trip or purchasing the travel insurance policy.
• Cover must be purchased before departure from Singapore.
• Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
• Insured person must not have been refused cover or had special terms placed on them, unless declared and accepted in writing by MSIG.
• Insured person is in good health, not travelling against the advice of a doctor and not travelling for the purpose of seeking treatment overseas.
• Pre-existing medical conditions.
• Known events that have already happened or have been made known by the media or authorities.
• Travel against travel advisory issued by the government.
• War, nuclear/radioactive contamination.
• Please refer to policy wordings for more details.
• Please refer to MSIG policy wordings for full details for Claim Conditions and General Exclusions.
• Terms and Conditions for MSIG Travel Easy Promotion

This webpage is not a contract of insurance and reference should be made to the actual policy for the exact terms, conditions and exclusions applicable to the insurance policy, which will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd (“MSIG”). It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are underwritten by MSIG and they are not products of, nor are they underwritten by Standard Chartered Bank (Singapore) Limited (“SCBSL”).

SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, SCBSL is acting in alliance with the insurer and not as an agent for customers. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

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 MSIG or visit GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

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.

• Entertainment

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 .

6 Best Travel Insurance with COVID-19 Coverage in Singapore (Apr 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to purchase  travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions. Promotions are generous this Apr 2024— you could even win a Rolex Oyster Perpetual , 124200 34mm Silver (worth S$9,000), all-expenses paid trip, or a 2D1N staycation!

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

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2. Bubblegum Travel Insurance

Bubblegum Travel Insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]   •  Enjoy 10% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$25 via PayNow with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you My Millennium Points and cashback when you purchase Bubblegum travel insurance:

• Get  2,400 My Millennium Points (worth $16) with every policy purchased.
• Plus, get  $15 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $80 to $119.99 OR  $25 Cash via PayNow with a premium of $120 and above.

Promotion valid till 30 Apr 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000 (which is about as high as it gets).

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   Enjoy 25% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. 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).

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $42, or just $3+ to $6 a day !

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

• Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
• All Expenses Paid Trip
• 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)

Promotions valid till 7 Apr 2024 (Prizes 2 and 3) / 30 Apr 2024 (Prize 1).

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]    • Enjoy 42% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent.  T&Cs apply.    BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 42% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, 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

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[Receive your cash as fast as 30 days*]   •  Enjoy up to   40% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$45  via PayNow OR 1   x Apple AirTag  (worth S$45.40) with eligible premiums spent.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

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)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive lots of goodies with your MSIG travel insurance purchase:

• Receive  2,400 My Millennium Points (worth $16) with every policy purchased.
• $15 cash via PayNow with a premium of $65 to $119.99
• $25 cash via PayNow with a premium of $120 to $239.99
• $45 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $240 and above .

Promotion valid till 12 Apr 2024.

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   •  Enjoy up to 28% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.   [Singlife Promotion] Get up to S$100 UNIQGIFT vouchers from Singlife with Annual multi-trip plan purchased. T&Cs apply.

Covers trip cancellation for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Payout of up to S$150** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 28% off your Singlife travel insurance premiums these goodies thrown in:

• $10 cash via PayNow with a premium of $65 to $129.99
• $20 cash via PayNow with a premium of $130 to $329.99
• $30 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $330 and above .

Promotion valid till 29 Feb 2024.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I’ve experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter  on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Starr travel insurance .

Starr TraveLead Comprehensive Bronze

Personalise your travel insurance-Flexible coverage allows you to create a travel insurance plan with different types of coverage and addon that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore.

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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MSIG Travel Insurance: Traveleasy Plans for Singapore 2023

Welcome to the world of travel, where adventure awaits at every turn. As you embark on new journeys in 2023, 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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Scootsurance Protects Your Trip From SGD 16

Scootsurance travel insurance exclusively for passengers.

Coverage for medical expenses incurred overseas, including due to Covid-19

Access to 24 x 7 travel and emergency assistance

Adventurous Activities

Coverage includes bungee jumping, skiing, scuba-diving and more

Scootsurance Travel Insurance protects you if your trip doesn't go as planned

Return trip key benefits.

Medical expenses incurred overseas & Emergency Medical Evacuation and Repatriation due to COVID-19

Trip Cancellation due to COVID-19

Trip Curtailment/Rearrangement due to COVID-19

Overseas Quarantine Allowance due to COVID-19 (Pays $100 per day)

Emergency Medical Evacuation & Repatriation

Repatriation of Mortal Remains Back to Singapore

Accidental Death & Permanent Disablement (12 to 69 years old)

KrisFlyer Member Exclusive Benefit: Additional Accidental Death & Permanent Disablement (while on Scoot Flights; 12 to 69 years old)

Travel Delay (Pays $150 per 6 hours)

Loss of/Damage to Personal Belongings

24-hour Emergency Medical & Travel Assistance

Scootsurance

From $16.00 per passenger

Scoot Travel Insurance protects you if your trip doesn't go as planned

Frequently asked questions, does scootsurance provide cover for adventurous activities.

Yes, Scootsurance does cover adventurous activities for leisure and non-competitive purposes such as:

• Bungee jumping
• Flying /hot air balloon rides for sightseeing
• Hiking or trekking up to 3,000 meters above sea level
• Tandem sky-diving, tandem hang-gliding
• Snow sports within approved areas of the ski resort
• White water rafting up to grade 3 level
• Scuba Diving not exceeding depth of 30m with a qualified dive instructor or dive master and both of you are PADI certified

Are there any important conditions I need to take note of to qualify for the COVID-19 Benefits?

To be eligible for the COVID-19 benefits, you need to fulfill the following conditions: 

• You are not travelling to a country, specific area, or event where the Singapore government has issued travel advisory against travelling to or to defer non-essential travel to the planned destination
• You are fully vaccinated against COVID-19 at the inception of this Policy and throughout the Period of Insurance as defined by the Singapore government
• You must comply with all requirements and advice put in place by the Singapore and relevant overseas government, transport and accommodation provider relating to measures for minimising the risk and spread of COVID-19, including but not limited pre-departure, post-arrival COVID-19 test, quarantine, isolation, and controlled itinerary.
• During the trip, You do not knowingly stay with any person who is having or suspected to be having a COVID-19 infection, and/or is undergoing isolation or quarantine

Am I covered for medical expenses if I am diagnosed with COVID-19 while overseas?

If you are diagnosed with COVID-19 while overseas, we will reimburse the medical expenses that you incurred within thirty (30) days from the date you are diagnosed with COVID-19.

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 MSIG , or visit the GIA or SDIC websites.

How to claim?

Claims are handled by our dedicated Claims team.

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

Featured Partners

Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

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• Cover-More Travel Insurance Review
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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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MSIG beefs up overseas students' coverage

It plans to extend the protection to the insured student’s spouse and up to five children under the policy.

MSIG announced enhancements to its Global Study Insurance coverage, offering increased medical coverage for overseas hospitalisation and COVID-19 treatment, trauma counselling, and leisure travel protection. 

One of the enhancements is for its medical coverage which will provide coverage of up to $50,000 for overseas hospitalisation fees and up to $50,000 for COVID-19 treatment in hospitals.

The trauma counselling offers up to $2,000 cash for psychological support related to injuries from traumatic events.

The leisure travel cancellation or disruption selection covers up to $300 for cancellation or non-refundable travel expenses if the policyholder is hospitalized.

On the other hand, the entertainment ticket cancellation provides up to $300 for the cancellation of unused tickets due to hospitalization.

ALSO READ: MSIG Asia’s CEO shares approach to risk management evolution

For those with loss of personal belongings at overseas residences, coverage can go up to $5,000 for the loss of or damage to personal belongings due to theft, fire, or natural disasters.

The sponsor protection includes up to $30,000 of coverage for unpaid tuition fees if the sponsor passes away or suffers permanent total disability due to an accident.

Lastly, the child guard provides up to $10,000 coverage for travel expenses required for a relative to accompany the insured child back to Singapore.

Furthermore, MSIG's plan offers a family-friendly option, allowing the extension of protection to the insured student's accompanying spouse and up to five children under the policy. 

MSIG said in a press release it is one of the few insurers in the market to offer leisure travel protection and child guard cover, and it provides one of the highest sums available for medical protection under the main cover. 

Follow the link for more news on

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Extended: Earn 4 mpd on travel insurance policies with SingSaver

From now till 2 May 2024, buy travel insurance policies with AIG, Etiqa, FWD, MSIG, Singlife and more through SingSaver and earn 4 mpd.

Last month, SingSaver ran a campaign which offered 4 miles per dollar on travel insurance purchases, as well as a 100,000 KrisFlyer miles giveaway.

The giveaway has since closed to entries, but the 4 mpd has been renewed for a further month, with a different list of participating policies this time round. 

If you’re thinking of buying a single trip or annual plan, this is a great opportunity to pick up some bonus miles in the process, since almost all banks now exclude rewards for insurance.

Earn 4 mpd on travel insurance purchases

From 1 April 2024, 2024, 9 a.m to 2 May 2024, 8.59 a.m, purchases of selected travel insurance products via SingSaver will earn a total of 4 KrisFlyer miles per S$1.

The following products are participating:

• AIG Insurance (Single Trip & Annual Trip)
• Allianz Travel Hero (Single Trip & Annual Trip)
• Etiqa Insurance (Single Trip & Annual Trip)
• FWD Insurance (Single Trip & Annual Trip)
• Great Eastern Travel Smart (Single Trip & Annual Trip)
• MSIG Insurance (Single Trip & Annual Trip)
• Singlife Insurance (Single Trip & Annual Trip)
• Starr Insurance Singapore (Single Trip & Annual Trip)

All premiums will be rounded down to the nearest S$1 before miles are awarded; for example a S$200.80 policy will earn 800 miles. 

KrisFlyer miles earned under this offer will be deposited directly to your KrisFlyer account by 30 June 2024.

Terms & Conditions

The T&Cs for this campaign are split into two sets, but they both apply concurrently (i.e. each set of T&Cs mentions an earn rate of 2 mpd for a total of 4 mpd).

What credit card should you use to pay?

Unfortunately, the vast majority of credit cards now exclude rewards for insurance purchases. What few remain offer mediocre earn rates ranging from 0.24 to 1.2 mpd. 

If you’re a Citi cardholder, however, you could use insurance premiums to help you meet the minimum spend for welcome offers or card benefits (e.g. limo rides with the Citi Prestige ). Even though these transactions don’t earn any points, Citi has confirmed they will still count towards the minimum spend.

From now till 2 May 2024, SingSaver is offering 4 mpd on travel insurance purchases, so be sure to browse the selection and see what works for you. My preferred option is Singlife because they cover the loss of miles and points, and have a “cancel for any reason” clause that you can invoke a maximum of once per policy/policy year.

There really aren’t a lot of options left for earning miles on insurance, so this is a rare opportunity.

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