msig travel insurance review

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MSIG Travel Insurance: What's the Deal?

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

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

Table of Contents

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

Sports Coverage

Notable exclusions, claims information.

• Summary of Coverage

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

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

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

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

MSIG TravelEasy Travel Insurance: For COVID-19 Coverage

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

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

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

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

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

MSIG Travel Insurance Details

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

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

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

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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 .

MSIG TravelEasy Travel Insurance Review

• Financially Reviewed by Edward Hee

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

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

Discover more about our editorial guidelines here .

Table of Contents

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

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

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

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

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

Key Features Of MSIG TravelEasy Travel Insurance

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

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

Comparison Against Other Single-Trip Travel Insurance Policies

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

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

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

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

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

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

Comparison Against Other Annual-Trip Travel Insurance Policies

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

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

Here’s what we found:

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

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

Who Is MSIG TravelEasy Travel Insurance Best Suited For

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

This plan is ideal for:

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

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

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

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

However, it’s less suited for

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

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

My Review of the MSIG TravelEasy Travel Insurance

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

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

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

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

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

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

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

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

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

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

Criteria For MSIG TravelEasy Travel Insurance

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

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

Benefits Summary

Individual & corporate policyholder summary of cover & limits.

Applicable to TravelEasy Single return trip or Annual plan cover.

Click to enlarge

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

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

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

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

Premium Rates (Single Trip)

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

Prices are before any discounts.

These benefits are specific to the COVID-19 Cover.

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

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

All sums are in Singapore dollars.

Premiums Rates (Annual Plans)

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

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

What is Covered

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

Coverage Structure

What is Not Covered

Specific exclusions for this section will be covered later on.

Section 2: Public Transport Double Cover

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

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

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

Section 3: Funeral Expenses Due To Accidental Death

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

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

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

What is Not covered 

Please see the section on exclusions.

Section 4: Child Education Grant

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

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

The Standard Plan does not cover this benefit. 

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

Section 5: Family Assistance Benefit

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

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

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

Section 6: Overseas Medical Expense

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

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

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

Section 7: Emergency Dental Expenses

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

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

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

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

Section 8: Medical Expenses In Singapore

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

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

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

Coverage structure

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

Section 9: Mobility Aid Reimbursement

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

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

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

Section 10: Traditional Chinese Medicine Expenses

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

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

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

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

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

Section 11: Maternity Medical Expenses Overseas

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

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

Section 12: Overseas Hospitalisation Daily Benefit

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

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

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

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

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

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

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

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

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

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

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

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

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

Overview of Services

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

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

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

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

Detailed Coverage Structure:

Emergency Medical Evacuation:

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

Sending Home After Medical Evacuation:

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

Sending Home Mortal Remains:

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

Maximum Coverage Limit:

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

Sub-limits for Pre-Existing Conditions:

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

Section 17: Compassionate & Hospital Visit (MSIG TravelEasy)

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

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

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

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

Maximum Coverage Limit: 

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

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

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

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

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

Section 18: Child Guard (MSIG TravelEasy)

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

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

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

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

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

This cap applies irrespective of the number of events involved.

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

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

Section 19: Emergency Telephone Charges (MSIG TravelEasy)

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

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

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

Covered reasons include

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

Policy Termination:

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

Claim Limitation:

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

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

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

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

Section 23: Replacement Of Traveller (MSIG TravelEasy)

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

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

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

Coverage Details

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

Documentation :

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

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

Section 25: Delayed Departure (MSIG TravelEasy)

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

Benefits Offered:

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

Claim Eligibility:

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

Section 26: Flight Diversion (MSIG TravelEasy)

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

Compensation Details:

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

Documentation Requirement:

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

Section 27: Overbooked Flight (MSIG TravelEasy)

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

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

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

Section 28: Missed Travel Connection (MSIG TravelEasy)

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

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

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

Section 29: Shortening The Trip (MSIG TravelEasy)

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

Covered Reasons for Shortening the Trip:

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

Notification Requirement:

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

Section 30: Travel Disruption (MSIG TravelEasy)

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

Covered Reasons for Travel Disruption:

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

Section 31: Automatic Extension Of Cover (MSIG TravelEasy)

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

The coverage extension is provided under 2 specific conditions:

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

Section 32: Delayed Baggage (MSIG TravelEasy)

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

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

Claim Conditions:

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

Section 33: Baggage (MSIG TravelEasy)

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

Coverage Details:

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

Claim Process:

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

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

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

Section 34: Wedding Clothing & Accessories (MSIG TravelEasy)

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

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

Section 35: Loss Of Travel Documents (MSIG TravelEasy)

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

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

Reporting Requirement:

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

Section 36: Personal Money (MSIG TravelEasy)

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

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

Reporting Requirement :

What is Not Covered:

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

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

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

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

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

Section 38: Credit Card Outstanding Balance (MSIG TravelEasy)

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

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

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

Section 39: Personal Liability (MSIG TravelEasy)

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

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

Maximum Payment:

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

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

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

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

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

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

Maximum Payment

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

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

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

Covered Activities:

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

Section 42: Golfer’s Cover (MSIG TravelEasy)

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

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

Section 43: Unused Entertainment Ticket (MSIG TravelEasy)

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

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

Covered Reasons

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

Section 44: Rental Vehicle Excess (MSIG TravelEasy)

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

Coverage Conditions:

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

Limitations:

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

Section 45: Returning a Rental Vehicle (MSIG TravelEasy)

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

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

Section 46: Home Contents (MSIG TravelEasy)

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

Home Contents Definition:

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

Coverage Limitations:

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

Section 47: Domestic Pets Care (MSIG TravelEasy)

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

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

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

Section 48: Terrorism Cover (MSIG TravelEasy)

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

This is an exception to the general exclusion regarding terrorism.

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

Group Cover Limit

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

Policy Limitation:

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

Section 49: Passive War

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

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

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

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

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

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

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

Section 50: Hijack Of Public Transport (MSIG TravelEasy)

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

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

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

Additional Information:

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

Section 51: Kidnap And Hostage (MSIG TravelEasy)

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

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

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

Additional Bonus Features Of MSIG TravelEasy Travel Insurance

General Overview:

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

MSIG Assist 24-hour Hotline:

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

Maximum Coverage:

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

Service Availability:

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

Legal Proceedings:

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

Exclusions:

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

Section Overview:

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

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

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

Optional Add-Ons For MSIG TravelEasy Travel Insurance

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

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

Conditions applicable to the COVID-19 cover benefit

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

Here’s a summary of the key conditions:

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

Pre-trip Benefit

Section 21 – Travel cancellation 

Section 22 – Travel postponement 

Section 23 – Replacement of traveller

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

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

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

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

During Trip Benefits

Section 15 – Medical & Travel Assistance services

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

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

Key points include:

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

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

Section 6 – Overseas medical expenses 

Section 16 – Emergency medical evacuation and repatriation

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

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

What is Not Covered 

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

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

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

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

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

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

Trip Disruption Benefits:  

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

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

Section 29 – Shortening the trip 

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

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

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

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

To avoid any doubt:

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

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

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

Section 30 – Travel disruption 

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

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

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

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

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

To avoid any doubt

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

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

Section 31 – Automatic extension of cover 

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

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

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

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

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

Overseas quarantine daily benefit: 

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

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

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

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

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

COVID-19 Cover Conditions

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

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

Covid-19 Cover Exclusions

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

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

For Covered Reasons 1 to 4

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

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

For Covered Reasons 5 to 6

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

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

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

For Covered Reason 7

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

Travel Companion Denied Boarding & Subsequent Positive Test:

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

Additional Clauses and Conditions

Assessment of Claims:  

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

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

90-Day Limitation: 

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

This limitation is crucial for understanding the coverage period.

Scope of Section 29:– Shortening the trip

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

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

Overseas Quarantine Daily Benefit:  

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

This benefit provides specific coverage for such situations.

Claim Under 1 Section Only: 

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

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

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

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

Section 30 – Travel Disruption

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

Covered Reasons 1 to 3:

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

Covered Reasons 4 to 6:

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

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

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

Key Points:

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

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

Covered Reasons 5 and 6:

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

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

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

Section 31 – Automatic Extension of Cover

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

Covered Reasons for Automatic Extension:

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

Conditions for Extension:

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

Post-Hospitalisation, Quarantine, or Isolation:

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

Contacting MSIG Assist:

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

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

Overseas Quarantine Daily Benefit

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

Conditions for the Benefit:

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

Assessment and Limitations of Claims:

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

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

Exclusions and Limitations of the Overseas Quarantine Daily Benefit

Exclusion in Case of Overlapping Benefits:

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

Specific Exclusions for Quarantine or Isolation Locations:

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

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

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

What is not covered

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

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

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

Exclusions for Sections 39 & 40

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

General Exclusions Of MSIG TravelEasy Travel Insurance

Exclusions Applicable to the Entire Policy

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

How to claim MSIG TravelEasy Travel Insurance

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

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

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

Tips for a Smooth Claim Process

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

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

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MSIG TravelEasy Insurance Review: Over 50 Travel Insurance Benefits

Protect yourself from uncertainties and medical situations while travelling with MSIG TravelEasy ’s robust travel insurance coverage.

Embarking on a journey to another country gives you excitement and adventure, but without travel insurance, you risk exposing yourself to various travel-related risks . Ensure peace of mind while you’re away from Singapore with the right travel insurance coverage .

If you’re seeking a robust travel insurance plan that effectively addresses an umbrella of potential risks, MSIG TravelEasy emerges as the clear frontrunner. 

Let’s delve into what this plan offers prospective travellers like you. 

Related Story: Travel Diaries: 5 Safest Travel Destinations in the World

Msig traveleasy at a glance.

• Over 50 coverage benefits , including follow-up treatment after your trip
• Automatic COVID-19 travel insurance coverage for Single Trips and Annual Plans
• Individual or family cover available for Single or Annual travel insurance plans

MSIG TravelEasy Core features

• Get up to S$15,000 for travel inconvenience coverage
• Up to S1,000,000 for individual overseas medical coverage
• Up to S$500,000 for individual personal accident death coverage

The one unique feature of MSIG TravelEasy

MSIG TravelEasy offers possibly the most extensive travel insurance coverage, and this includes individual or family cover. It is ideal for those travelling as a family unit and seeking a collective travel insurance plan.

MSIG TravelEasy benefits and coverage

MSIG’s TravelEasy plan offers three tiers of travel insurance coverage: Standard, Elite, and Premier. These are then split into individual and family coverage plans.  

Travel inconvenience coverage

MSIG TravelEasy has a wide net of coverage under travel inconvenience. This includes hard-to-find-elsewhere coverages for travel diversion, wedding clothing and accessories, and the insolvency of a licensed travel operator.

* The limits under adult & children or family cover are subject to individual cover limits per insured person

Compare Travel Insurance Plans

Related Story: Best Travel Insurance Promotions 2023

Medical-related coverage.

Concerned with coverage benefits for Traditional Chinese Medicine, Child Guard, and overseas ICU hospitalisation? These are some of the medical-related coverages MSIG TravelEasy offers you. 

COVID-19 coverage

The COVID-19 coverage benefits include pre-trip benefits and during-trip benefits.

Pre-trip benefits

These three sections provide coverage before you leave for your trip.

During-trip benefits

Coverages here will come in handy when you’re overseas and fall sick due to COVID-19.

Related Story: Best Travel Insurance for Families & Groups 2023

Personal accident coverage.

Under its personal accident coverage, MSIG TravelEasy includes funeral expenses and child education grants (up to a certain limit).

*The limits under adult & children or family cover are subject to individual cover limits per insured person

Personal liability coverage

This coverage focuses on your personal liability toward third parties (property damages and bodily injuries) and legal costs due to a wrongful arrest or detention.

Related Story: The Best Travel Insurance in Singapore For COVID-19 Coverage

Safety coverage.

Travel insurance benefits under this section include risks due to hijacking, kidnapping, and terrorism.

Lifestyle coverage

Concerned about your pet, home contents, or adventure activity coverage? Discover how MSIG TravelEasy protects you under its Elite and Premier Plan tiers.

Related Story: Guide to New Travel Measures & Travel Insurance in 2023

Msig traveleasy premium costs.

The different premium pricing for MSIG TravelEasy is split into three categories, namely Areas A, B, and C.

Countries under Area A are Brunei, Indonesia, Laos, Cambodia, East and West Malaysia, Vietnam, the Philippines, Thailand, and Myanmar.

Now, Area B countries consist of Australia, China (excluding Inner Mongolia and Tibet), India, Japan, Korea, Hong Kong, New Zealand, Macau, Taiwan, Sri Lanka and countries under Area A.

Area C comprises other countries worldwide, inclusive of countries in Areas A and B.

Lower your premium costs with AMTD PolicyPal’s exclusive promotions

With AMTD PolicyPal’s exclusive promotions, save up to 40% in premium costs when you buy now.

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Why does MSIG TravelEasy work for you?

The major pull factor of this travel insurance plan is how it’s been carefully curated to include different travel risks.  This includes some coverages that are suit your needs (like traveller replacement, adventurous activities, and extension of pet stays). It also offers you COVID-19 coverage instantly when you purchase the insurance.

 Eligibility

You have to meet one of these two conditions, depending on your citizen or residency type: 

• All insured persons must be residing in Singapore and aged at least one month and above; 
• This includes foreigners holding an Employment Pass or Work Permit and living in Singapore

While this plan does not cover pre-existing conditions, you can opt for MSIG TravelEasy Pre-Ex instead.

How do I make a MSIG TravelEasy claim?

There are three steps to making a claim with MSIG:

• Report your claim ASAP or within 30 days of the insured event via MSIG’s “ submit claim online ” button. If you’re encounter an emergency travel or medical situation abroad, contact MSIG Assist, a 24-hour hotline at +65 6323 8288
• Collect the information you need (photographs of damaged items, police report, etc)
• Submit your claim online to receive your claims payment quickly.

Most claims take up to three weeks. So, ensure that you receive the acknowledgment message once you submit your claim. Claims submitted during peak travel periods may take a longer time.

MSIG TravelEasy Pre-Ex Travel Insurance Plan

If you’re considering a trip abroad but have a pre-existing medical condition, you can consider MSIG TravelEasy Pre-Ex.

This travel insurance plan is for insured persons with pre-existing conditions that are stable and controlled . In order to qualify, the applicant needs to meet a set of medical-related conditions. 

Single-plan individual travel insurance coverage is available for up to 30 days. No annual plan coverage is available. Find out more details about MSIG TravelEasy Pre-Ex here .

Enquire more and contact us today!

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

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MSIG 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.

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 buy 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.

Back to top

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 • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  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, Samsonite Luggage & More!   | MoneySmart Exclusive]    • Enjoy up to 40% off your policy premium • Get S$88 Revolut Cash Award*, S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply    PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

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

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

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

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, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy 50% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  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

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy up to 45% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  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 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Covers trip cancellation and trip curtailment 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 and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** 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.

[MoneySmart Exclusive | Flash Sale]    • Enjoy 45% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$88 Revolut Cash Award* and S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.    PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

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

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

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. We also have a comparison tool for travel insurance in Hong Kong !

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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Don't buy insurance with this company.

Don't buy insurance with this company. Don't buy insurance with this company.. They write in English they cover, but the Thai insurance policy state something else, and only the Thai version of the insurance policy counts and not the English version of the policy

Date of experience : February 13, 2022

I had travel insurance with MSIG and…

I had travel insurance with MSIG and got my bag stolen. On their webpage, they write and highlight they cover baggage, but if you get it stolen, they don't cover only if someone robs you with a gun or something like that. Total useless insurance company.

Date of experience : March 21, 2021

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How MSIG Singapore ignores your travel insurance claim - Singapore Forum

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How MSIG Singapore ignores your travel insurance claim

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I had bought the MSIG travel insurance several times; whenever I did I always chose their Premier Plan which offers the best coverage (read: You pay the highest premium). I never made a claim. I also bought the MSIG travel insurance Premier Plan before going to Austria in April 2017. Unfortunately, a couple of very well-organised thieves stole mine and my wife’s hand luggage when we were on the train from Vienna to Salzburg. Vexed as we were, we filed a police report, went through all the necessary formalities, got the rest of our trip screwed up, and eventually came back home thinking naively that at least we had the insurance so we will be reimbursed for some of the loss. Nothing further from the truth.

I filled the claim form through the MSIG Singapore website within the time frame specified by them, submitted the copies of the required documents (proof of entry/exit to the foreign country, police report, and what-not) and waited for some reply from MSIG. The auto-response informed me that my “claim will be registered within 3 working days” and that I may be contacted by a MSIG Claims Officer to provide more details. To cut the long story short: Nine days after I submitted the claim I received an email that in order to enable MSIG review my claim I need to submit “more detailed circumstances leading to the loss”, “ownership of the stolen items”, receipts for the stolen items, and several more things. I replied within a few days describing in great detail how the theft happened and that I unfortunately didn’t have the receipts for the stolen items as most of them were not purchased recently (will you ever intend to make an insurance claim? Please make sure that you keep receipts for all the items you ever bought throughout your entire life – you would need them, apparently). I also asked them to advise how I could prove the ownership of the items that were stolen from me (after all it could have been me who stole the stuff from the shops and/or other passengers on the train, tried to pass them off as mine, and then file a reimbursement claim – such things must be happening all the time but it’s kept as a great secret by the insurance companies who are the only ones aware of such misdeeds).

The email I wrote was sent to MSIG Singapore on 15th of May – exactly six weeks ago. I thought I’d give them enough time to look into the case so I wasn’t pushing for any answers. But MSIG hasn’t bothered with replying – they simply ignored me. Not even an automated email that they were looking into the matter. Now, I understand that the insurance companies are not charities – they are there to make money. Fair enough. I would surely understand if my travel insurance by MSIG didn’t reimburse 100% of the contents listed in the police report as it could be argued that there was wear and tear on my stuff or that in case of cash stolen from me the only proof is my declaration made at the Austrian police station (mind you, such a declaration is made under oath so nobody in his right mind would be lying about it). But this is not the case with MSIG Singapore. They don’t even pretend that they are doing something about your case – they simply take your money and then they apparently feel that it’s not worth their precious time and resources to reply to your rightful claim. The arrogance of MSIG Singapore is staggering. Their lack of any response creates one impression: You don’t matter to them. Oh yes, you are most welcome to come to them and spend your money, that’s for sure. But MSIG is a big corporation with hundreds of employees, operating with huge amounts of money, while compared to them you are a little guy who is apparently perceived by them as no threat and hence of no importance. So they seemingly feel that they can be condescending and ignore you as they please.

It’s never fun to have your stuff stolen. It actually feels much worse if you are travelling overseas. You are suddenly without the things you need to get back home – depending on how unlucky you were your passport, IC, driving licence, money, credit cards, phone, air tickets, hotel bookings, vouchers, and whatever else are gone. I’m not even talking about things which may cost less than a dollar but can be worth for you more than anything in life, like the only souvenir you had from your deceased parents. You think that buying travelling insurance will ease your burden and that in case of emergency you will be assisted to get home safely and then be reimbursed, at least in part, for your losses. Yes, that should certainly be the case. After all, the moment you pay and are issued with an insurance certificate, you and the insurance company enter a legally binding contract – as long as you don’t breach any rules you are supposed to be covered. But my case shows that MSIG Singapore apparently doesn’t feel this way and instead ignores a little guy.

I hope that there are some better insurance companies out there who look into your valid case and do what they are supposed to do. But basing it on my experience I would strongly suggest that you look into other travel insurances instead of wasting your money on a company as arrogant as MSIG Singapore. Please help me spread this long post to warn the others about the way MSIG handled my case so nobody else gets conned by some worthless assurances.

Really sorry for your loss.

Thank you for sharing, I'm sure other travelers would be able to learn from your case. I lost my DSLR in Berlin and had a receipt to submit for the claims.

Insurers will always make it hard for claimants.

I understanding losing your stuff is upsetting. For expensive stuff, you should always keep the receipts even after the warranty is over. The claiming of insurance is governed by the terms and conditions, so it is important to understand those before purchasing and really think about whether you are protected. I looked at MSIG policies before and there are different variations on the coverage and terms depending on whether the policy was purchased through a partner (eg bank) or directly. Have you looked at the fine print of the policy you bought to see what is covered and what is not? Some electronic items like handphones are not covered due to the high risk of them being lost.

That said, all may not be lost because because they didn't officially write you a letter declining your claim so it is possible they are still reviewing your claim. Did you call them to ask?

i used MSIG annual insurance and i claimed a few times and everything can claim. they are always nice and professional.

Maybe I was unlucky. Or you were lucky... My case surely makes you feel a mistrust towards the insurers...

did you email or call to talk to the representative? It strange to say they ignored you.

Thanks a lot for your kind word of consolation - really appreciate it :-). I guess that by now I've already made peace with myself that I won't get any reimbursement. I contacted them at the end of April and the exchange of emails ended abruptly in mid-May - they simply didn't follow up. Right now it's the MSIG's attitude which is unacceptable to me. If they don't even bother to contact their customer after more than six weeks it only shows how little they care about a single customer. And here I was always wondering why people are always so against the big corporations...

I have not use MSIG before, its always NTUC or AIG. Both claim was very fast especially NTUC. A small hiccup during my recent (March) trip to Switzerland. Baggage was delayed more than 18hours , its was towards end of winter at Switerland at that time. Imagine without your warm clothes. Cut things short, came back , file in the necessary documents and got my claims 3 weeks later. My neighbour who travels with me also has delayed baggage, and we had the same insurance plan. His claim only took 2 weeks

Years ago, I had a medical claim file against AIG, settle less than 2 weeks maybe because the claim value was low

Maybe your email went into a junk mail or a staff left and your case was overlooked. I honestly think you can call them and follow up (in a polite way; you can let them know you are feeling disappointed with the delay but avoid ranting) and see how it goes. I have had experience where the company turned around after a long wait. After all, what have you to lose at this point?

Insurance company always need the receipt to substantiate the claims. This is accounting protocol otherwise how to account for the money outflow. They are also subjected to audit by CPA and any discrepancy would be reported.

I had my experience with such claims as I could not make an overseas trip due to personal reasons. The Insurance company had asked for several objective evidence to substantiate my claims and the request came one by one. I can understand your frustration, ask them if it can be settle early

maybe I am overly cautious but I will not start a topic like OP. It may lead to defamation lawsuit and the onus is on OP to argue he didn't defame MSIG.

Maybe he is trying to force MSIG to make a comprise by putting in popular TA forum

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Travel insurance: Is it a scam or really worth it?

Nevertheless, if the thought of losing the money you've invested in your trip due to unexpected events concerns you, travel insurance is actually a great option and strategic investment.

Whether you are planning an extravagant dream vacation involving substantial expenditures or just going on a more budget-friendly long weekend getaway, the typical cost of travel insurance will range from 5% to 6% of your total trip expenses. This percentage is a small price to pay for the peace of mind and financial protection it can provide in the face of unforeseen circumstances.

Read more: India's most stunning beach destinations for the ideal winter vacation

Many, however, argue that travel insurance is a scam, asserting that the chances of encountering mishaps during a trip are minimal. While it's true that not every traveller faces unforeseen circumstances, the unpredictable nature of life makes travel insurance a prudent choice. Picture this: flight cancellations, lost luggage, medical emergencies, or unexpected trip interruptions. These scenarios may seem unlikely, but when they occur, the financial consequences can be overwhelming.

Medical emergencies can strike anywhere, and healthcare costs in foreign countries can be exorbitant.

Read more: Places that are named after animals

Travel insurance often includes coverage for medical expenses, ensuring that you receive necessary care without draining your savings.

One might argue that their existing health insurance or credit card benefits cover these aspects. While it's true that some policies provide limited coverage, travel insurance offers a comprehensive solution tailored to the unique risks associated with travel. It fills the gaps left by other insurances, offering specialised protection that can prove invaluable in challenging situations.

In short, travel insurance can be referred to as a wise investment for mitigating the financial risks associated with travel. It offers peace of mind, and allows you to focus on your journey rather than worrying about unforeseen challenges.

Be cautious though to carefully review policy details and choose coverage that aligns with your needs, the overall consensus is that travel insurance is a valuable tool in safeguarding your travel investment and well-being.

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We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Faye Travel Insurance Review: Is It Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Introduction to USI Affinity Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy
• Customer Service and Claims Experience

Compare USI Affinity Travel Insurance

• Why You Should Trust Us

USI Affinity Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're taking a trip through a travel agency, university, or other company, USI Affinity travel insurance is a travel insurance company worth considering.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong coverage for medical expenses while traveling
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Vendor offers "cancel for any reason" upgrade
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Specialty coverage (for things like hurricanes and other weather events) available
• con icon Two crossed lines that form an 'X'. Pricing high compared to competitors
• con icon Two crossed lines that form an 'X'. Claims may take longer during certain seasons
• con icon Two crossed lines that form an 'X'. Baggage delay benefits take 12 hours to kick in after claim is submitted

USI Affinity travel insurance' is a leading name in risk management and insurance, usually offering their services to other businesses, like law firms and hospitals. Though not necessarily its specialty, USI Affinity travel insurance also offers comprehensive travel insurance for a wide range of needs, including several medical-only travel insurance plans, annual travel insurance, and road trip policies.

Additionally, USI Affinity travel insurance's travel cancellation plans are some of the most flexible we've encountered. Its policies cover trips up to a year long and have functionally no age limit (the age limit is set at 119-years-old).

While USI Affinity travel insurance has one of the highest age caps we've seen for travel insurance, it's not only expensive relative to the best travel insurance companies for seniors , but generally expensive for all age groups. Additionally, USI Affinity travel insurance lacks adventure sports medical coverage, making this policy less attractive for younger travelers.

Plans Available from USI Affinity

USI Affinity travel insurance has three plans: Basic, Plus, and Elite. Basic offers lighter protection, with trip cancellation for trips that cost under $15,000 per person.

USI Affinity travel insurance also offers a multi-trip option called Voyager Annual Travel Insurance that provides primary t ravel medical insurance coverage for people taking multiple trips less than 30 days long throughout the year. This plan offers two tiers of coverage: Silver and Gold. Gold has higher coverage limits and some additional coverage, such as political and natural disaster evacuation that Silver lacks. 

You can find the full plan breakdown here.

USI Affinity Additional Coverage Plans

Aside from the trip cancellation and annual travel insurance plans, USI Affinity offers several medical-only travel insurance plans that can last for up to 12 months. It also offers a road trip plan, that offers car-specific protections and other coverage you may need on a road trip.

WorldMed: Medical expense and evacuation insurance for people traveling outside their home country for five to 365 days.

InterMedical: Medical expense and evacuation insurance for people traveling outside the U.S. or their home country for five to 365 days.

VisitUSA-HealthCare: Travel medical insurance for visitors to the U.S. who need health insurance. 

StudyUSA-HealthCare: Travel medical insurance for international students who are studying in the U.S.

Road Trip Insure: Road trip-specific protections like vehicle breakdown and disablement, vehicle return, and rental car damage.

USI Affinity Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for USI Affinity travel insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimateUSI Affinity travel insurance coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Travel Insurance Select Basic: $126.60
• Travel Insurance Select Plus: $158.70
• Travel Insurance Select Elite: $229.50

Premiums for USI Affinity travel insurance plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

USI Affinity travel insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Travel Insurance Select Basic: $168.80
• Travel Insurance Select Plus: $211.60
• Travel Insurance Select Elite: $306.00

Once again, premiums for USI Affinity travel insurance plans are between 4.2% and 7.65% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Travel Insurance Select Basic: $847
• Travel Insurance Select Plus: $1,204
• Travel Insurance Select Elite: $1,570

Quotes for this trip cost between 4.2% and 7.85%, within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Travel Insurance Select Basic: $520.20
• Travel Insurance Select Plus: $571.20
• Travel Insurance Select Elite: $828.60

Premiums for USI Affinity travel insurance plans for older-age travelers are between 8.7% and 13.8%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a USI Affinity Policy

To purchase a policy from USI Affinity travel insurance, you'll need to obtain a quote from its website. You'll need to be prepared to provide the following details about your trip:

• State of residence
• Destination country
• Departure/Return dates
• Initial deposit date and final payment date
• Traveler(s) date of birth
• Trip cost (per person)
• Organization you're traveling with (if applicable)

Once you add this information, you'll be taken to the quotes page, where you will be able to add optional CFAR coverage to Plus and Elite policies. While you'll only be able to purchase insurance for trips under 90 days online, you can call customer service at 1-800-937-1387 if you want coverage for longer trips, up to one year. 

How to File a Claim with USI Affinity Travel Insurance

USI Affinity travel insurance makes it easy to file a claim through its website . On the website, it states, "To file a claim on your travel insurance plan, please download and print the appropriate claim form below, and submit it to the address indicated on the form" along with the following forms:

• Accidental dismemberment claim form
• Baggage claim form
• Medical claim form
• Rental collision claim form
• Trip cancellation | trip interruption | travel delay | missed connection claim form

You can also call USI Affinity travel insurance at 1-855-874-0255 or email [email protected] .

You'll want to file claims as soon as possible, specifically if you're filing for a trip cancellation or interruption, to avoid non-covered charges due to late reporting.

USI Affinity Customer Service and Claims Experience

The majority of USI Affinity travel insurancereviews live on its SquareMouth page, receiving an average of 4.01 stars out of five. While recent customer reviews were very complimentary of both the buying and claims process at USI Affinity travel insurance, older reviews mention unprofessional and uncommunicative claims agents as well as long wait times.

The biggest concern isn't within the content of USI Affinity's reviews, but the fact that USI Affinity very rarely responds to customer reviews, while many of the best travel insurance companies will regularly respond to customers.

Learn more about how USI Affinity Travel Insurance compares to the competition. 

USI Affinity Travel Insurance vs Allianz Travel Insurance

Allianz Travel Insurance is a popular competitor to USI Affinity travel insurance as it serves 55 million travelers everywhere. Unlike USI Affinity travel insurance, Allianz Travel Insurance offers multiple plans to customize your trip's insurance plan. Allianz Travel Insurance has over 10 plans to choose from with different features. So you can choose what's best for you and your family. These plans include single trip, annual trip, and rental car insurance.

Another thing exclusive to Allianz Travel Insurance is its OneTrip Prime plan. It offers free coverage for travelers under 17 when traveling with a parent or grandparent. USI Affinity travel insurance makes no such claims.

Read our Allianz Travel Insurance review here.

USI Affinity Travel Insurance vs Trawick Travel Insurance

Another large competitor is Trawick International Travel Insurance . The company offers baggage protection for up to $2,000 compared to USI Affinity travel insurance's $300 or $500 coverage options.

According to the company website, Trawick International Travel Insurance also offers cruise insurance plans and adventure travel insurance covering over 500 different activities. It highlights benefits such as unlimited trip cancellation coverage.

Read our Trawick Travel Insurance review here.

USI Affinity vs Credit Card Travel Insurance

Credit cards can be a great alternative to USI Affinity travel insurance. Make sure your credit card offers travel insurance before your trip. Also, keep in mind, credit card travel protections may not be as comprehensive as an insurance policy.

For example, you might be able to get reimbursed for a flight on a credit card, but only if you paid for the flight with the credit card. If you paid for the flight in cash or with a debit card, your credit card isn't going to reimburse you. USI Affinity will. You just need to submit a form.

Having additional travel insurance is never a bad option. Some travelers have cards like the Chase Sapphire Reserve, which offers baggage delay protection. USI could add medical coverage, AD&D, hotel and flight coverage after a covered event, and more. No matter what card you have, check to see what travel benefits your card offers. You can stack travel benefits to ensure you're covered for your trip as long as you use your credit card to purchase all your expenses.

Read our guide on the best credit cards with travel insurance  here.

USI Travel Insurance FAQs

USI Affinity travel insurance generally provides comprehensive coverage for international travel, including medical emergencies, trip cancellations, and baggage loss. 

No, adventure act ivies are not covered with USI Affinity's trip cancellation plans.

USI Affinity travel insurance offers pre-existing condition waivers for its Plus and Elite trip cancellation plans as long as you purchase your policy within 21 days of your initial trip deposit. 

Customer service reviews show that claims often get handled within a month, but there's little that customers can do to speed up the process once all documents are filed.

USI Affinity travel insurance is often recognized for its wide range of plan options and comprehensive coverage, catering to diverse travel needs.

Why You Should Trust Us: How We Reviewed USI Travel Insurance

In creating this review of USI Affinity travel insurance, we compared it to competitive travel insurance products , considering coverage, price points, exclusions, and more. Then we considered what credit card benefits could complement USI Affinity travel insurance travel insurance's travel insurance plan. 

Every travel insurance product has its pros and cons. Our aim is to shine a light to help consumers make informed decisions based on all the facts. We know how important insurance is when traveling with peace of mind.

You can read more about our travel insurance ratings methods here .

• Main content

• Travel and Accommodation

Never buy MSIG travel insurance!

• Thread starter swiftblade
• Start date Oct 24, 2018

More options

Senior member.

• Oct 24, 2018

I flew to Hong Kong when typhoon Mangkhut hit Philippines. My return flight was delayed due to the typhoon hitting Hong Kong. I tried to claim for flight delay, and they rejected the claim after 1 month stating it was a known event. Which is nonsense because it was not a known event when I bought my insurance and flight tickets. So I complained and they escalated to their management. They replied this time stating under general conditions I did not take all reasonable steps to prevent loss, damage or accidents etc. They offered 50% of what I was claiming, and said if I banked in the cheque they would consider the matter resolved. Them offering 50% shows that their allegation of known event was ********, and they were trying their luck. I'm not going to accept it, there was no reasonable steps I could have taken (I did try to contact Cathay to bring forward my flight but didn't get a response); I've complained to MAS and they're waiting for a response from MSIG. TL; DR MSIG is damn dishonest, don't ever buy travel insurance from them.  

Master Member

Subscribing to see how this works out in the end..  

• Oct 25, 2018

swiftblade said: I flew to Hong Kong when typhoon Mangkhut hit Philippines. My return flight was delayed due to the typhoon hitting Hong Kong. I tried to claim for flight delay, and they rejected the claim after 1 month stating it was a known event. Which is nonsense because it was not a known event when I bought my insurance and flight tickets. So I complained and they escalated to their management. They replied this time stating under general conditions I did not take all reasonable steps to prevent loss, damage or accidents etc. They offered 50% of what I was claiming, and said if I banked in the cheque they would consider the matter resolved. Them offering 50% shows that their allegation of known event was ********, and they were trying their luck. I'm not going to accept it, there was no reasonable steps I could have taken (I did try to contact Cathay to bring forward my flight but didn't get a response); I've complained to MAS and they're waiting for a response from MSIG. TL; DR MSIG is damn dishonest, don't ever buy travel insurance from them. Click to expand...

If you booked the Air Tickets and bought the MSIG Travel Insurance way before the so called MSIG "KNOWN" Event claimed by them, then where the hell they can say is known even. You may want to confirm with them on this and here. Looking forward to your update of this status.  

Ok after management review they agreed to pay in full, should get mailed my cheque soon. Total took about a month plus, with much unpleasant emails and calls. Don't think I'd buy from them again. Thanks for the interest guys.  

High Supremacy Member

swiftblade said: Ok after management review they agreed to pay in full, should get mailed my cheque soon. Total took about a month plus, with much unpleasant emails and calls. Don't think I'd buy from them again. Thanks for the interest guys. Click to expand...

mrashford86

• Oct 30, 2018

Tks for warning - will look for another provider  

• Nov 12, 2018

Used to buy all my travel insurance from them because of their tie to DBS. Will look out for other providers too Sent from Google using GAGT  

• Nov 13, 2018

Need to take note. Its not about when you bought your flight tickets and insurance. Not all insurance company will honor your claim because the main thing is you decided to continue to fly despite knowing that the Typhoon is approaching. You're expected to contact the Airline and either postpone or cancel your flight.  

oceanicmanta

Supremacy member.

Beefsteak said: Need to take note. Its not about when you bought your flight tickets and insurance. Not all insurance company will honor your claim because the main thing is you decided to continue to fly despite knowing that the Typhoon is approaching. You're expected to contact the Airline and either postpone or cancel your flight. Click to expand...

oceanicmanta said: Swiftblade was claiming for Travel Delay, which does not require trip to be cancelled or postponed to be eligible to claim. Click to expand...

Beefsteak said: But the Typhoon was already known and happened before his trip and not during his trip. Click to expand...

5star_pundit

So which insurance company will cover for such delay due to typhoon. Have a connection flight via CX in HK in December. Esp for the additional hotel stay/expenses if flight are cancelled  

• Dec 7, 2018

The same for AXA I would not recommend to buy from AXA as well. Super slow in travel curtailment claims. Buy at own risk. Until today since 15 Sep, my claim due to the Osaka Typhoon incident is still pending. Called the CS hotline several times, emailed several times and even the AXA apps complaint. I have run out of ideas what to do next. i complaint to GIA and it seems like they do not oversee the operation of the insurance company so back to square one again. It seems like if they do not reject or reduce your claim and continue pending there is nothing much you can do except to bother their CS everyday. Any idea from anyone in this forum will be appreciated. Thank you in advance.  

• Dec 10, 2018
• Dec 17, 2018

Everyone, Until today I have not gotten any reply back from AXA on my claim. I just kept receiving their standard email reply. If your claim is more than $2K like mine then GG to you. I am not sure how long more or how many more days I need to wait. Any form of guidance and advice from anyone out here is appreciated. I have logged an AXA complaint and the complaint officer did called me like 2 weeks ago. $2k claim for a multi national and multi million company. Avoid even it is cheap with promotion. There are certainly more choices than this.  

juxtaposition

meganova97 said: Everyone, Until today I have not gotten any reply back from AXA on my claim. I just kept receiving their standard email reply. If your claim is more than $2K like mine then GG to you. I am not sure how long more or how many more days I need to wait. Any form of guidance and advice from anyone out here is appreciated. I have logged an AXA complaint and the complaint officer did called me like 2 weeks ago. $2k claim for a multi national and multi million company. Avoid even it is cheap with promotion. There are certainly more choices than this. Click to expand...