TravelEasy®
Travel Insurance

For questions on COVID-19 Cover, please refer to our FAQs below or click here.

Travel<i>Easy</i><sup>®</sup> <br/><sub>Travel Insurance</sub>

For questions on COVID-19 Cover, please refer to our FAQs below or click here.

Product Description

Enhanced with more COVID-19 benefits! Provides cover for over 50 benefits and COVID-19 coverage for overseas medical and evacuation, travel cancellation and travel postponement. 

Key features

  • Comprehensive cover with over 50 benefits! TravelEasy protects your losses from travel cancellation to flight delays, stolen travel documents, overseas medical expenses incurred due to accidental injuries or onset of sickness*, and follow-up medical treatment after your trip.
  • COVID-19 travel insurance coverage is automatically included for Single Trips and Annual Plans. (For more details, please refer to our COVID-19 Cover FAQs.)
  • Single or annual travel insurance plans are available for individual or family cover

* TravelEasy policy excludes cover for pre-existing medical conditions. This special cover can be purchased under TravelEasy Pre-Ex policy for single trip only.

TravelEasy® insurance plan highlights

Replacement of Traveller
Pays for the charges incurred for change of traveller due to you or insured person not being able to travel for the trip as a result of serious injury, illness, death or that of the family members or travel companion 30 days prior to the trip.

Emergency Medical Evacuation
Getting sufficient emergency medical evacuation coverage under your travel insurance plan is critical. Across all TravelEasy plan types, emergency medical evacuation and repatriation is at a high limit of $1,000,000.

Insolvency of Licensed Travel Operator
Don’t allow yourself to be stranded when your travel operator goes bankrupt overnight! Our travel insurance provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Delayed Departure
MSIG’s travel insurance plan pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport due to strike, riot, civil commotion, poor weather conditions, natural disasters, breakdown of public transport or closure of airport.

simple to buy
Simple to Buy

Getting single or annual travel insurance has never been easier! Buy online and receive your e-policy instantly! 

24/7 Helpline
24/7 Helpline

Our travel emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which time zone you are in. 

Claims Made Easy
Claims Made Easy

Save time by submitting your travel insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement. 

Customer reviews

ICON
Good customer experiences
Good customer experiences. Most consumers evaluate pricing upfront before insurance purchases. I evaluated MSIG services, and their excellent customer responsiveness is impressive, including travel and helper claims. I will repeatedly buy their products and highly recommend them to others, including family members. Keep up your excellent customer service.&nbsp;
by Pei Hoon via Google Reviews
ICON
Impressed with the speed and ease of transacting
Purchasing the policy online was a breeze; everything went smoothly to aid in the recent trip to Bangkok, where proof of COVID-19 coverage was required. We obtained the PDF copy of the policy almost immediately, which facilitated our application for the (then) Thai Pass. I am impressed with the ease and speed of transacting online. We will definitely be getting from MSIG for our next trip and will recommend friends too!&nbsp;
by Arthur
ICON
Easy switch to annual plan
I bought their single travel insurance a couple of weeks ago and realized that it would have been more cost-effective if I were to buy an annual plan. Benazir is extremely helpful in ensuring my transition is seamless and providing a discount code for more savings.&nbsp;
by Kiat Lee via Google Reviews
ICON
The claim process was smooth and the customer support was helpful.
My handbag was snatched in Florence, Italy, and I thought the aftermath of it was certainly devastating. However, the claim process and duration plus the helpful (efficient) customer support of MSIG travel insurance make it LESS painful for me! By the way, it was easy to buy online too!
by Jenny via Seedly
ICON
I lost my handphone overseas and was in a total state of panic.
Lucky for me, the claim process was super easy and intuitive, and your staff was super helpful as well when I was at my lowest. Thank you so much for the great experience and I will definitely recommend you to my friends and family!
by Ken T. via Seedly
ICON
Easy to purchase and claim online.
The website is also user-friendly as just need to upload the bills when I submit for medical claims. The waiting time for processing my claims was quite fast too. Have bought from them a few times.
by Wendy H. via Seedly
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Plan details

COVID-19 Cover
BENEFITS SUMMARY Sum insured per trip
Standard Plan Elite Plan Premier Plan

Pre-trip benefits
These sections cover you before the commencement of your trip.

SECTION 21 – Travel cancellation

Insured person $3,000 $4,000 $5,000
Total for adult and children cover $4,500 $6,000 $7,500
Total for family cover $7,500 $10,000 $12,500

SECTION 22 – Travel postponement

Insured person $500 $1,000 $1,500
Total for adult and children cover $750 $1,500 $2,250
Total for family cover $1,250 $2,500 $3,750

SECTION 23 – Replacement of traveller

Insured person $500 $750 $1,000
Total for adult and children cover $750 $1,125 $1,500
Total for family cover $1,250 $1,875 $2,500

During trip benefits
These sections cover you during your trip overseas.

SECTION 6 – Overseas medical expenses

Adult aged below 70/child under individual cover $75,000 $150,000 $250,000
Adult aged 70 and above $37,500 $75,000 $125,000
Child under adult and children/family cover $37,500 $75,000 $125,000
Total for adult and children cover $150,000 $300,000 $500,000
Total for family cover $225,000 $450,000 $750,000

SECTION 15 – Medical and travel assistance services

Adult/child Included

SECTION 16 – Emergency medical evacuation and repatriation

Adult/child $1,000,000 $1,000,000 $1,000,000
Total for adult and children cover $1,500,000 $1,500,000 $1,500,000
Total for family cover $3,000,000 $3,000,000 $3,000,000

SECTION 24 – Replacement of employee (for corporate policyholders only)

Adult/child $1,000 $1,500 $2,000

SECTION 29 – Shortening the trip

Adult/child $3,000 $4,000 $5,000
Total for adult and children cover $4,500 $6,000 $7,500
Total for family cover $7,500 $10,000 $12,500

SECTION 30 – Travel disruption

Adult/child $1,000 $2,000 $3,000
Total for adult and children cover $1,500 $3,000 $4,500
Total for family cover $2,500 $5,000 $7,500

SECTION 31 – Automatic extension of cover

Adult/child Included

Overseas quarantine daily benefit

Adult/child under individual cover $50 per day
Max $700
$100 per day
Max $1,400
$100 per day
Max $1,400
Child under adult and children/family cover $25 per day
Max $350
$50 per day
Max $700
$50 per day
Max $700
Total for adult and children cover $1,050 $2,100 $2,100
Total for family cover $1,750 $3,500 $3,500
TravelEasy Benefits
Important Notes

Eligibility

Person who is more than 1 month old and is Singaporean, permanent resident or foreigner holding valid employment, work permit or long-term pass issued by the Singapore government and is residing in Singapore.

Adults aged 70 years and above are eligible for single trip cover for all plans. They are not eligible for annual policies. However, if an annual policy was incepted before aged 70, renewal is granted up to 80 years for the Standard plan only.

Important conditions for cover to operate

  • Trip must start and end in Singapore.
  • Policyholder and insured person are not aware of any circumstances which are likely to lead to a claim at the time of arranging the trip or purchasing the travel insurance policy.
  • Cover must be purchased before departure from Singapore.
  • Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
  • Insured person must not have been refused cover or had special terms placed on them, unless declared and accepted in writing by us.
  • Insured person is in good health, not travelling against the advice of a doctor and not travelling for the purpose of seeking treatment overseas.

TravelEasy does not cover

  • Pre-existing medical conditions.
  • Known events that have already happened or have been made known by the media or authorities.
  • Travel against travel advisory issued by the government.
  • War, nuclear/radioactive contamination.
  • Please refer to policy wordings for more details.

Overall compensation limit for Group cover

The total limit for all persons travelling in one aircraft or surface transport vehicle or vessel is limited to $15,000,000. If the total claim amount for all persons exceeds $15,000,000, we will pay each person a percentage of the benefit due for that person.

The total limit for terrorism cover for all persons is $5,000,000 per event regardless of the mode of transport. If the total claim amount exceeds $5,000,000, we will pay each person a percentage of the benefit due for that person.

Footnotes

1The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.
2Public transportation refers to any licensed and scheduled land, sea or air transport which has fixed and established routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, and private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.

Personal Accident Cover
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 1

Accidental death and permanent total disability

Adult below 70 years $150,000 $400,000 $200,000 $550,000 $500,000 $1,200,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000

SECTION 2

Public transport double cover

Death arising from public transportation2 accident.

Adult below 70 years Not covered $400,000 $1,100,000 $1,000,000 $2,400,000
Adult 70 years & above Not covered Not covered
Child $150,000 $200,000

SECTION 3

Funeral expenses due to an accident

Covers funeral expenses for death due to accident overseas.

Adult $3,000 $6,000 $5,000 $10,000 $8,000 $16,000
Child $750 $1,250 $2,000

SECTION 4

Child education grant

Lump sum payment for each child upon accidental death of a covered parent.

Not covered $5,000 each child,
Up to $20,000
$8,000 each child,
Up to $32,000

SECTION 5

Family assistance benefit

Lump sum payment upon accidental death of a covered parent.

Not covered $3,000 $6,000 $5,000 $10,000
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 6

Overseas medical expenses

Adult below 70 years $250,000 $800,000 $500,000 $1,400,000 $1,000,000 $2,600,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $150,000 $200,000 $300,000

SECTION 7

Emergency dental expenses

Adult $5,000 $10,000 $10,000 $20,000 $15,000 $30,000
Child $1,250 $2,500 $3,750

SECTION 8

Medical expenses in Singapore

Treatment within 72 hours of return to Singapore.

Adult below 70 years $25,000 $70,000 $50,000 $140,000 $75,000 $210,000
Adult 70 years & above $5,000 $7,500 $10,000
Child $10,000 $20,000 $30,000

SECTION 9

Mobility aid reimbursement

Adult $1,000 $2,000 $3,000 $6,000 $5,000 $10,000
Child $250 $750 $1,250

SECTION 10

Traditional Chinese Medicine expenses

Adult $200 $600 $400 $1,300 $600 $1,800
Child $100 $250 $300

SECTION 11

Maternity medical expenses overseas

Adult Not covered $2,000 $3,000

SECTION 12

Overseas hospitalisation daily benefit

Adult $200 per day
Max. $20,000
$50,000 $250 per day
Max. $37,500
$100,000 $300 per day
Max. $60,000
$150,000
Child $100 per day
Max. $5,000
$125 per day
Max. $12,500
$150 per day
Max. $15,000

SECTION 13

Overseas ICU hospitalisation daily benefit

Adult Not covered $350 per day
Max. $3,500
$10,000 $400 per day
Max. $4,000
$12,000
Child $150 per day
Max. $1,500
$200 per day
Max. $2,000

SECTION 14

Hospitalisation daily benefit in Singapore

Each day of hospital confinement in Singapore.

Adult $100 per day
Max. $500
$1,300 $100 per day
Max. $1,000
$2,500 $100 per day
Max. $2,000
$5,000
Child $50 per day
Max. $150
$50 per day
Max. $250
$50 per day
Max. $500

SECTION 15

Medical and travel assistance services

Available Available Available

SECTION 16

Emergency medical evacuation and repatriation

a) Emergency medical evacuation.
b) Sending you home after a medical emergency evacuation.
c) Sending home your mortal remains.

$1,000,000 $1,000,000 $1,000,000

SECTION 17

Compassionate and hospital visit

Immediate family member to travel to and accompany an insured person during his/her hospitalisation or death of an insured person outside of Singapore.

$5,000 $12,500 $10,000 $25,000 $15,000 $37,500

SECTION 18

Child guard

A relative to travel to and accompany minor children back to Singapore.

$5,000 $12,500 $10,000 $25,000 $15,000 $37,500

SECTION 19

Emergency telephone charges

$100 $250 $200 $500 $300 $750
Travel Inconvenience Cover
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 20

Insolvency of licensed travel operator

Pays for pre-paid travel fare and deposits in the event of bankruptcy or insolvency of a Singapore Tourism Board (STB) licensed travel agency in Singapore.

$2,000 $4,000 $4,000 $8,000 $6,000 $12,000

SECTION 21

Travel cancellation

a) Death, serious injury or serious illness of insured person, family member or travel companion; or
b) Riot, strike, industrial action or natural disaster at the overseas destination, closure of airport, epidemic, or pandemic before the start of the journey.

$5,000 $12,500 $10,000 $25,000 $15,000 $37,500

SECTION 22

Travel postponement

a) Death, serious injury or serious illness of insured person, family member or travel companion; or
b) Riot, strike, industrial action or natural disaster at the overseas destination, closure of airport, epidemic, or pandemic before the start of the journey.

$750 $1,875 $1,500 $3,750 $2,000 $5,000

SECTION 23

Replacement of traveller

$500 $1,250 $750 $1,875 $1,000 $2,500

SECTION 24

Replacement of employee

$5,000 $10,000 $15,000

SECTION 25

Delayed departure

Pays benefit for every 6 hours of delay or expenses for alternative travel arrangement.

$100
Max. $500
$1,000 $100
Max. $1,000
$2,000 $100
Max. $1,500
$3,000

SECTION 26

Flight diversion

Pays benefit for every 6 hours of delay due to natural disaster, poor weather conditions, emergency medical treatment for a fellow passenger or mechanical breakdown of the aircraft.

$100
Max. $500
$1,000 $100
Max. $1,000
$2,000 $100
Max. $1,500
$3,000

SECTION 27

Overbooked flight

Overbooked flight with no onward travel transportation available for every 6 hours of delay after travel agent or airline flight confirmation.

$100
Max. $200
$400 $150
Max. $300
$600 $200
Max. $400
$800

SECTION 28

Missed travel connection

Missed travel connection with no onward travel transportation available for every 6 hours of delay after an insured person’s late arrival.

$100
Max. $200
$400 $150
Max. $300
$600 $200
Max. $400
$800

SECTION 29

Shortening the trip

a) Death, serious injury or serious illness of insured person, family member or travel companion; or
b) Riot, strike, industrial action or natural disaster at the overseas destination, closure of airport, epidemic, or pandemic before the start of the journey.

$5,000 $12,500 $10,000 $25,000 $15,000 $37,500

SECTION 30

Travel disruption

a) Death, serious injury or serious illness of insured person, family member or travel companion; or
b) Riot, strike, industrial action or natural disaster at the overseas destination, closure of airport, epidemic, or pandemic before the start of the journey.

$1,000 $2,500 $2,000 $5,000 $3,000 $7,500

SECTION 31

Automatic extension of cover

Public transport delay or bodily injury/illness.

Yes Yes Yes

SECTION 32

Delayed baggage

A lump sum payment for every 6 hours of baggage delay.

$150
Max. $600
$1,200 $200
Max. $1,000
$2,000 $250
Max. $1,500
$3,000

SECTION 33

Baggage

Personal baggage and personal effects. Limit: $500 per article, pair or set of items and $1,000 for one unit laptop computer.

$3,000 $6,000 $5,000 $10,000 $7,500 $15,000

SECTION 34

Wedding clothing and accessories

Bridal and ceremonial attire, wedding rings, jewellery and wedding accessories.

Not covered $2,500 $3,500

SECTION 35

Loss of travel documents

Cost of replacing loss of travel documents.

$2,000 $4,000 $3,000 $6,000 $5,000 $10,000

SECTION 36

Personal money

Loss of cash and travellers’ cheques due to robbery, burglary, or theft outside Singapore.

$100 $300 $500  

SECTION 37

Fraudulent use of credit card

Not covered $2,000 $3,000

SECTION 38

Credit card outstanding balance

Covers the outstanding balance of the insured person’s credit card incurred up to the date of the accident.

Not covered $2,000 $3,000
Personal Liability
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 39

Personal liability

Legal liability for overseas accidents resulting in bodily injuries or damage to property of third parties.

Adult $500,000 $500,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Child $250,000 $500,000 $500,000

SECTION 40

Legal expenses for wrongful arrest or detention

Adult Not covered $5,000 $5,000 $10,000 $10,000
Child $5,000 $10,000
Lifestyle Cover
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 41

Adventurous activities cover

Bungee jumping, tandem sky diving, tandem paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, dogsledding, ice skating and other activities listed in the policy.

Not covered Yes Yes

SECTION 42

Golfer’s cover

Damage or loss of golf equipment (except while in use). Not covered $1,000 $1,500
Unused green fees due to injury or illness. $500 $750
Hole-in-one. $500 $750

SECTION 43

Unused entertainment ticket

Covers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts, and sports events due to death, serious injury or serious illness.

Not covered $300 $600 $500 $1,000

SECTION 44

Rental vehicle excess

Reimburses the excess or deductible paid for accidental loss of or damage to a rental vehicle under the car rental agreement.

Not covered $1,000 $1,500

SECTION 45

Returning a rental vehicle

Cost of returning a rental vehicle due to accidental injury or illness of an insured person.

Not covered $500 $750

SECTION 46

Home contents

Loss of or damage to contents in the home of an insured person in Singapore due to fire or burglary.

Not covered $10,000 $15,000

SECTION 47

Domestic pets care

Continued stay of pet at the pet hotel due to injury or illness of the insured person overseas or delay of public transport.

Not covered $50 per day
Max. $500
$75 per day
Max. $750
Safety Cover
Benefits
Summary
Sum Insured
Standard Plan Elite Plan Premier Plan
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Individual Adult & Children/Family
(in total)1
Limit of Benefits

SECTION 48

Terrorism cover

Acts of terrorism (excluding biological, chemical and nuclear devices) outside Singapore.

Adult below 70 years $200,000 $800,000 $300,000 $1,200,000 $500,000 $2,000,000
Adult 70 years & above
Child

SECTION 49

Passive war

Applies to Section 1 only – Accidental death and permanent total disability.

Adult below 70 years $150,000 $400,000 $200,000 $550,000 $500,000 $1,200,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000

SECTION 50

Hijack of public transport

Hijack of every 6 hours of the public transport the insured person is travelling on.

$100
Max. $2,000
$5,000 $200
Max. $4,000
$10,000 $300
Max. $6,000
$15,000

SECTION 51

Kidnap and hostage

Kidnap or holding hostage of an insured person for every 6 hours.

$100
Max. $2,000
$5,000 $200
Max. $4,000
$10,000 $300
Max. $6,000
$15,000

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

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

COVID-19 Cover FAQs
No. Questions & Answers
1

Who is eligible for COVID-19 Cover? 

A traveller who fulfils all the conditions below:

  • You are not travelling against any travel advisory issued by the Singapore government.
  • You must comply with all requirements and advice put in place by the Singapore and relevant overseas governments, transport and accommodation providers relating to measures for minimising the risk and spread of COVID-19, including but not limited to COVID-19 vaccination requirements, pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary.
  • During the trip, you do not knowingly stay with any person who is having or is suspected to be having a COVID-19 infection and/or is undergoing isolation or quarantine.
2

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

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

We do not cover medical expenses incurred in Singapore.

3

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

We do not pay for COVID-19 medical expenses incurred in Singapore. 

4

Am I covered for travel cancellation or travel postponement if I am diagnosed with COVID-19 in Singapore? 

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

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

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

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

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

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

5

Are there any situations where claims are not payable? 

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

  • Pre-existing medical conditions and their complications, regardless of whether it is resulting or complicated by COVID-19 infection.
  • Changes to travel advisory, travel restrictions or COVID-19 safety measures.
  • Medical test, vaccination, quarantine or isolation required by the Singapore or overseas government, transport or accommodation provider that applies broadly to general travellers based on departing or arriving country, taken for the purpose of obtaining approval to travel for the journey.
  • COVID-19 medical treatment expenses in Singapore.
  • COVID-19 infection is diagnosed overseas after 60 days from the date it was first diagnosed overseas. 
6

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

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

7

If there are changes to the travel advisory during my travel, and I contracted COVID-19, am I covered?

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

8

I have recovered from COVID-19. Is it considered a pre-existing medical condition?

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

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

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

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

9

I have tested positive on arrival overseas but have no/mild symptoms and they are sending me to a COVID-19 facility/government-approved hotel to quarantine for 10 days. Am I covered for this?

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

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

10

I am on a trip with a group of travel companions, and we are insured under the same policy. I am denied boarding the plane at the overseas destination due to COVID-19 symptoms while the rest are not. Are we covered for this?

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

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

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

11

How can I be covered for pre-existing medical condition?

For travel insurance which covers pre-existing medical condition, you may purchase our TravelEasy Pre-Ex policy. Please note our TravelEasy Pre-Ex does not cover for claims relating to COVID-19.

 

General FAQs
No. Questions & Answers
1

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

You may download an unencrypted copy of your TravelEasy ePolicy from mConnect Customer Portal.

2

When does the travel insurance cover commence and end for each trip?

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

3

Can foreigners purchase travel insurance?

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

4

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

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

5

Are there any countries excluded from cover?

All countries are covered unless expressly excluded.

6

Does TravelEasy provide cover for cruise travels?

Yes, TravelEasy covers your cruise trip departing from Singapore or an overseas country, as long as your entire trip begins and ends in Singapore. Please select the region of travel based on the furthest destination of your entire trip.

For cruise to nowhere departing from Singapore, i.e. the cruise is not making any stopover at any port/country, you may purchase the trip under Area A.

7

Can I extend the period of cover if I decide to extend my trip whilst overseas?

Extension of the travel insurance period of cover is permitted midway during travel and applied during the period of travel insured, provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10.

Please email to [email protected] with the following information:

  • Policyholder's full name as per NRIC/FIN/Passport and last 5 alphanumeric of ID number (Example: 1234D)
  • Contact number
  • Policy number
  • Date to be extended
  • Any known circumstances or events likely to lead to a claim (Yes / No). If yes, please provide details

We will reply to your email within 3 working days on the additional premium payable if we agree with the extension and will only proceed with the extension upon receipt of your payment.

8

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

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

9

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

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

10

What do you mean by public transport under the public transport double cover?

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

11

Are there any differences between family cover and group cover?

The differences between family cover and group cover are:

  • Family cover
  • Covers the insured, his/her legal spouse and any number of their legal children travelling as a family of up to 7 persons. Under a family annual policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. Benefits and coverage limits for adult and child vary; please refer to the benefit table for details.
  • Group cover
  • Covers 2 or more individuals(example: friends, students or relatives) travelling on the same journey and on the same plan for single trip only. The policyholder must be at least 18 years or old and travelling together on the same trip.
12

Does MSIG's travel insurance provide cover if the travel agency goes bankrupt?

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

13

Which Travel Area (A, B or C) should I choose if I am going to multiple countries?

If you are travelling to more than one country, please select the region of travel based on the furthest destination from Singapore.

For example, if you are travelling to Thailand and USA, please select Area C (Worldwide).

If you are travelling to Thailand and returning to Singapore before setting off to USA, it will be considered as two trips and you will need to purchase two travel insurance policies to cover each trip separately.

14

My child is above 18 years old and is now waiting for examination results. Can he/she be insured under Family/Adult & Child cover?

Your child can be insured under Family/Adult & Child cover as long as he/she meets these criteria before the start of the trip:

  1. Between 18 and under 23 years old
  2. Is waiting for any of the following:
    • Examination results
    • Graduation
    • Placement as student to a recognised institution of higher learning

A recognised institution of higher learning refers to schools which are licensed by the Government of the country to provide post-secondary or higher education.

15

My child is below 18 years old and is no longer studying. Can he/she be insured under the Family/Adult & Child cover?

Your child can be insured under Family/Adult & Child cover as he/she has met our policy definition for ‘child’ who must be above 1 month old and below 18 years old.

It does not matter if your child is currently studying, married, working, serving National Service or is waiting to be enlisted as long as he/she falls within the stated age criteria.

 

Plans & Premiums
Premium Rates

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

(rounded down to the nearest fifty cents)

Area A

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

  Standard Elite Premier
Single Trip Individual Family Individual Family Individual Family
First 3 days $38 $96 $52.50 $121 $74 $174
Daily rate $6 $13 $7.50 $16.50 $10.50 $21
 
Annual plan $289 $579 $399 $752 $559 $926

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.

  Standard Elite Premier
Single Trip Individual Family Individual Family Individual Family
First 3 days $46 $116 $66 $167 $96.50 $227
Daily rate $7.50 $15 $10 $20.50 $12.50 $25.50
 
Annual plan $347 $643 $450 $823 $617 $1,029

Area C

Worldwide including countries in Areas A and B.

  Standard Elite Premier
Single Trip Individual Family Individual Family Individual Family
First 3 days $73.50 $186 $99 $234 $132.50 $305
Daily rate $12 $21.50 $14 $27.50 $19 $34.50
 
Annual plan $523 $882 $658 $1,086 $882 $1,357

Plans

Single Return Trip
Provides cover for an individual, group or family for a trip up to maximum duration of 182 days.
All travellers on the same trip must have the same departing and returning date.

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

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

Cover types

Individual

  • Covers one traveller for the trip.
  • Available for Single Return Trip and Annual plan.

Group

  • Suitable for groups of friends, students or relatives.
  • Covers for 2 or more travellers who are travelling together on the same trip.
  • The child is covered based on child benefits.
  • Available for Single Return Trip.

Adult & Children

  • Covers for one parent and up to 6 of his/her biological or legally adopted children travelling for the same trip.
  • Available for Single Return Trip and Annual plan.

Family

  • Covers for husband, wife and up to 5 of his/her biological or legally adopted children travelling for the same trip.
  • Available for Single Return Trip and Annual plan.

Definitions

  • Adult means a person aged 18 years and above at the commencement of any trip.
  • Child means a person who is aged above one month and below 18 years or below 23 years of age if studying full time in a recognised. institution of higher learning at the commencement of any trip.
Events Affecting Cover

There are good reasons to get your travel insurance once you have booked your trip as this can protect your pocket if your trip is disrupted due to unexpected events such as strikes, riots and natural disasters that happen at your planned destination.

These events can affect your cover depending on when you have purchased the policy.

Policies purchased after the insured event has happened

Based on policy terms and conditions, the insured event will not be covered as it has already happened or has been made known by the media or authorities.

Should you decide to proceed with the trip, it is important to remember that you are still covered for all other unexpected insured events that happen on your trip such as baggage delay caused by the airline or loss of personal items due to theft.

Policies purchased before the insured event happened and you have not yet departed

The policy covers for trip cancellation or postponement if your trip is unavoidably cancelled or postponed due to an insured event that happens within 30 days before your trip. 

If you are unsure whether the overseas event affects your trip, please contact your providers (airline, transport, tour, accommodation) to check if your bookings are affected by the event. 

If your trip is unavoidably cancelled or postponed, please submit your claim to us and we will assess it based on policy terms and conditions.

Insured events refer to events that are covered by the policy, subject to the policy terms and conditions. The list of insured events is shown under each relevant section of the policy.

For information on claims procedure, click here.

If you would like to clarify on your coverage, you can chat with Mae or contact us.

Important Notice & Disclaimers

This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.

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

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What you need to know when you buy travel insurance:

Getting travel insurance is highly recommended before you go on a trip. Whether you are a traveller planning for a single trip or a frequent flyer who may be better off with an annual travel insurance plan, you have your own individual needs that are unique to you. Most travel insurance policies in Singapore provide a standard list of benefits with varying limits, but few would offer special cover suitable for travellers with stable and controlled pre-existing medical conditions, no matter their age.

A pre-existing medical condition is a long-term medical illness or an injury you had before taking up your travel policy. In the unfortunate event that you fall critically ill while overseas due to the acute onset of a pre-existing medical condition, a standard travel insurance plan will not cover overseas medical expenses and evacuation costs.

  TravelEasy® TravelEasy® Pre-Ex
Plan types Standard Elite Premier Standard Elite Premier

Eligibility

All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore.

Cover excludes pre-existing conditions.

All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore.

Cover includes pre-existing medical conditions that are stable and controlled.

Applicant to meet a set of medical-related conditions for cover

No Yes

Trip Types

Single Trip

182 days 30 days

Annual

90 days/trip Not available

Cover Types

Individual

Yes

Yes

Group

Yes No

Family

Yes No

Age

Single trip plan: No upper age limit 
Annual plan: Last entry age 69 years. Renewal for age 70 – 80 years old Standard plan only. 
Single trip plan: No upper age limit 
Annual plan: Last entry age 69 years. Renewal for age 70 – 80 years under Standard plan only. 

Benefit Coverage Overview

Section 1 to 513

Covered Covered
  • covers medical expenses for non pre-existing medical condition incurred
    • during the trip overseas
    • after the trip in Singapore
Covered Covered

Section 52 - Pre-Ex Critical Care
Covers for acute onset of pre-existing medical condition overseas.

Not applicable Covered

Section 6 - Overseas Medical Expenses (inpatient) for pre-existing medical condition. 

Not covered

$75,000
(Adult below 70 years)

 

$50,000
(Adult 70 years and above / Child)

$100,000
(Adult below 70 years)

 

$75,000
(Adult 70 years and above / Child)

$150,000
(Adult below 70 years)

 

$100,000
(Adult 70 years and above / Child)

Section 16 - Emergency Evacuation and Repatriation for pre-existing medical condition.

$100,000 $150,000 $200,000

Premiums

TravelEasy table rates TravelEasy Pre-Ex table rates

3The cover limits for Sections 1 to 51 for both products are the same.

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