TravelEasy®
Travel Insurance

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

For updates on cover for the COVID-19 outbreak, please check the Events Affecting Cover section below or click here.

Product Description

Enhanced with COVID-19 benefit! 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, to overseas medical expenses incurred as a result of accidental injuries or onset of sickness*, and follow-up medical treatment after your trip.
  • COVID-19 travel insurance coverage is automatically included for Single Trip plans. For Annual plans, contact MSIG to include COVID-19 Cover for each of your upcoming trips.
  • Partake in as many recreational activities when you travel! MSIG’s travel insurance plan covers for adventurous activities such as sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.
  • 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. 

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Plan details

Benefits
Important Notes

*The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.

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

Notes: 

  1. Adult (Individual) means a person aged 18 years and above at the commencement of any trip.
  2. 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.
  3. Adult & children means an adult travelling together with his or her biological or legally adopted children on the same journey for single trip travel.
  4. Family
    1. Under single trip plan means:
      • Insured and his/her spouse or
      • Insured and his/her spouse and their biological or legally adopted children travelling together on the same journey
    2. Under annual plan means:
      • Insured and his/her spouse or
      • Insured and his/her spouse and their biological or legally adopted children.
      Insured persons covered under annual plan for Adult & children/Family covers need not travel together but any child under the age of 12 years must be accompanied by a parent or adult guardian during the trip. The total number of insured persons covered under Adult & children/Family cover shall not exceed 7
  5. Child under the age of 12 years not travelling under the Adult & children/Family cover must be accompanied by a parent or adult guardian during the trip.
  6. 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 effected before age 70, renewal is granted up to 80 years for the Standard Plan only.
  7. Cover must be effected before departure from Singapore. All trips must start and end in Singapore. The maximum length of cover is 182 consecutive days for single trip and, 90 consecutive days per trip for unlimited numbers of trips under annual plan.
  8. Pre-existing medical conditions requiring treatment or consultation during the 12 months prior to the trip commencement are not covered.
  9. Travel must commence no later than 90 days from the date of application for single trip plans.
  10. All insured persons must be residing in Singapore.
Personal Accident Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)*

SECTION 1

Accidental death and permanent total disability

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

SECTION 2

Public transport double cover

Death arising from public transportation** accident

Adult below 70 years old

Not Covered $400,000 $1,100,000 $1,000,000 $2,400,000
Adult 70 years old and above Not covered Not Covered
Child $150,000 $200,000

SECTION 3

Funeral expenses due to accidental death

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
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)*

SECTION 6

Overseas medical expenses

Adult below 70 years old

$250,000 $800,000 $500,000 $1,400,000 $1,000,000 $2,600,000
Adult 70 years old and 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 after return to Singapore

Adult below 70 years old

$25,000 $70,000 $50,000 $140,000 $75,000 $210,000
Adult 70 years old and 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

Treatment by TCM practitioner

Adult

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

SECTION 11

Maternity medical expenses overseas

Covers for incidental expenses incurred overseas for pregnancy-related illness

Adult

Not Covered $2,000 Not Covered $3,000 Not Covered

SECTION 12

Overseas hospitalisation daily benefit

Each day of hospitalisation abroad

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 $150,000

SECTION 13

Overseas ICU hospitalisation daily benefit

Each day of hospitalisation abroad in intensive care unit (ICU)

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 & travel assistance services

Available

SECTION 16

Emergency medical evacuation and repatriation

  1. Emergency medical evacuation
  2. Sending you home after a medical emergency evacuation
  3. 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 and accompany minor children back to Singapore

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

SECTION 19

Emergency telephone charges

Reimburses emergency telephone charges incurred overseas

$100 $250 $200 $500 $300 $750
Travel Inconvenience Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)*

SECTION 20

Insolvency of licensed travel operator

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

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

SECTION 21

Trip cancellation

  1. Death, serious injury or serious illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters 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

  1. Death, serious injury or serious illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters 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

Pays charges for change of traveller due to you not being able to travel for the trip

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

SECTION 24

Replacement of employee

Travelling expenses for substitute employee to complete the official business

$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

For every 6 hours delay due to natural disasters, 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 more than 6 hours 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 connection available for more than 6 hours after an insured person's late arrival

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

SECTION 29

Shortening the trip

  1. Death, serious injury or serious illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters 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

  1. Death, serious injury or serious illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters 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 of 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 lost travel documents, business records or samples

$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

Financial loss following fraudulent use of credit cards lost during the overseas travel

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
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)*

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

Legal costs incurred for wrongful arrest or detention by any government or local authority overseas

Adult

Not Covered $5,000 $5,000 $10,000 $10,000
Child $5,000 $10,000
Lifestyle Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total) Individual Cover Adult & Children/Family Cover (in total) Individual Cover Adult & Children/Family Cover (in total)
SECTION 41

Adventurous activities cover

Bungee jumping, sky diving, paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobogganing, sledging 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 fee 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 for accidental loss of or damage to a rental vehicle under car rental agreement

Not Covered $1,000 $1,500
SECTION 45

Returning a rental vehicle

Cost of returning 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

Not Covered $50 per day
Max $500
$75 per day
Max $750
Safety Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total) Individual Cover Adult & Children/Family Cover (in total) Individual Cover Adult & Children/Family Cover (in total)
SECTION 48

Terrorism Cover

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

Adult below 70 years old

$200,000 $800,000 $300,000 $1,200,000 $500,000 $2,000,000
Adult 70 years old and above $200,000 $300,000 $500,000
Child $200,000 $300,000 $500,000
SECTION 49

Passive War

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

Adult below 70 years old

$150,000 $400,000 $200,000 $550,000 $500,000 $1,200,000
Adult 70 years old and 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 or 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
COVID-19 Extension Cover

Sub-limits for Section 6, 15, 16, 21 and 22 extended under COVID-19 Cover to cover illness linked to COVID-19 illness

Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)* Individual Cover Adult & Children/Family Cover (in total)*

SECTION 6, 16

Overseas medical expenses
Emergency medical evacuation and repatriation 

Adult below 70 years old

$65,000 $105,000 / $170,000 $130,000 $200,000 / $330,000 $200,000 $300,000 / $500,000
Adult 70 years old and above $20,000 $35,000 $50,000
Child $20,000 $35,000 $50,000

SECTION 15

Medical and travel assistance services 

 

Available as per policy terms and exclusions Available as per policy terms and exclusions Available as per policy terms and exclusions

SECTION 21, 22

Travel cancellation
Travel postponement 

 

$1,000 $1,500 / $2,000 $2,000 $3,500 / $5,000 $3,000 $4,500 / $7,500
Travel safe with MSIG COVID-19 cover

Travel safe with MSIG COVID-19 cover

Premiums
Premium rates

Premium for Adult & children is at 75% of Family premium. (rounded down to nearest fifty cents)

Premiums

Standard Elite Premier
Individual Family Individual Family Individual Family

Area A

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

Single Trip – First 3 days $32 $80 $44 $104 $62 $145
Single Trip – Daily Rate $5 $11 $6.50 $14 $9 $18
Annual Plan $225 $450 $310 $585 $435 $720

Area B

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

Single Trip – First 3 days $38 $95 $52 $132 $80 $188
Single Trip – Daily Rate $6.50 $13 $8.50 $17.50 $10.50 $22
Annual Plan $270 $500 $350 $640 $480 $800

Area C

Worldwide including countries in Area A and B

Single Trip – First 3 days $55 $140 $72 $170 $100 $230
Single Trip – Daily Rate $9.50 $17 $11 $22 $15 $27.50
Annual Plan $385 $650 $485 $800 $650 $1,000

Group Cover

Covers 2 to 5 insured persons travelling together as a group on the same journey and covered on the same single trip plan, provided the applicant is travelling with the group. Children are covered on child benefits only. 

Important Notes:

Overall compensation limit

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 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 exceeds $5,000,000, we will pay each person a percentage of the benefit due for that person.

FAQs
No. Questions & Answers
1

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.

2

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.

3

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

Single Trip – Yes, all plans
Annual Travel – No. However, if 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.

4

Are there any countries excluded from cover?

All countries are covered unless expressly excluded.

5

Does TravelEasy provide cover for cruise travels? 

Yes, TravelEasy covers you for your cruise trip from and return to Singapore. For cruise itinerary with destinations listed, please buy according to the destination within the geographical area. For cruise itinerary to nowhere, i.e. the cruise is not making any stopover at any port/country, you can purchase the trip under geographical Area A. 

6

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. You can call MSIG Assist 24-hour hotline to request for the period extension.

7

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

You will be entitled to a refund of travel insurance premium provided there is no claim under the policy and travel or trip 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.

8

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.

9

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 routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, 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.

10

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 to 5 individuals travelling on the same journey and on the same plan for single trip only.
11

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 your Singapore Tourism Board (STB) licensed travel agency (including NATAS registered travel agency) becomes insolvent provided that the travel insurance is bought at least 3 days before the departure date and the insolvency is not already known to the public when you make the trip booking and insurance purchases, whichever date occurs later.

12

Who is eligible for COVID-19 Cover? 

Travellers who do not have a pre-existing medical condition and fulfill 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 pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary.
  • During the trip, you do not knowingly stay with any person who is having or suspected to be having a COVID-19 infection, and/or is undergoing isolation or quarantine.
13

How do I apply for enhanced TravelEasy with COVID-19 Cover?

Single return trip policy

For policies purchased before 17 November 2021, please email our Customer Service at [email protected] to include the Cover to your policy.

For policies purchased from 17 November 2021 onwards, the COVID-19 Cover benefit is automatically included in your travel insurance.

Annual policy
You may apply for the annual travel insurance on msig.com.sg. Once your trip information is confirmed, please contact MSIG Customer Service for assistance to add the COVID-19 Cover to your policy for each of your upcoming trips.

For existing annual plan policyholders, you can include COVID-19 Cover for each of your upcoming trips by contacting MSIG Customer Service. Additional premium may be charged depending on the area of travel.

Please email our Customer Service at [email protected] with the following information:

  • Policyholder’s full name as per NRIC/FIN/Passport and last 5 alphanumeric of ID number (E.g. 1234D)
  • Date of birth/Mailing address
  • Policy number
  • Contact number
  • Name of traveller(s), Trip start date and end date, Country travelling to

If you use the services of an agent or broker, please contact your MSIG representative for assistance.

14

I have a TravelEasy annual policy. How soon do I need to inform MSIG to include COVID-19 Cover for my upcoming trip? 

To obtain COVID-19 Cover, please contact us or your regular insurance advisor as soon as your trip is booked. Take note that there is no cover for Section 21 - Travel cancellation and Section 22 - Travel postponement for the first 14 days from your trip declaration date. 

15

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 45 days from the date you first receive treatment. You must submit documentary proof showing the date you have taken the COVID-19 test and was diagnosed positive.

We do not cover medical expenses incurred in Singapore.

16

Am I covered for medical expenses if I am diagnosed within 72 hours upon returning to Singapore?

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

17

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

We will cover for travel cancellation or travel postponement due to any of the following insured events which take place within 30 days before the start of the journey:

  • You are diagnosed with COVID-19; or
  • You are quarantined or isolated by local authority due to suspected or confirmed infection of COVID-19.

However, we will not pay claims under travel cancellation and travel postponement if occurs within 14 days from the purchase of the policy.

Please refer to the COVID-19 Cover for the full terms and conditions.

18

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

No, we do not cover travel cancellation or travel postponement after the start of the trip.

19

Are there any situations where claims are not payable? 

The COVID-19 Cover benefit does not cover expenses incurred for any medical test, vaccination, quarantine, or isolation required by the Singapore or overseas government, transport or accommodation providers that apply to the public in general and taken for the purpose of obtaining approval to travel for the journey.

20

If there are changes to the travel advisory during my travel, can I claim for travel cancellation or postponement 

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

If you do not wish to proceed with your trip due to change of travel advisory, you may cancel your policy and we will refund you the full policy premium, subject to no claims.

21

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

Yes, you will be covered under Section 6 - Overseas medical expenses, Section 16- Emergency medical evacuation and repatriation and Section 15- Medical and travel assistance service subject to the terms and conditions applicable to COVID-19 Cover.

22

If I do not need COVID-19 Cover, can I purchase TravelEasy single return trip without COVID-19 Cover?

For single return trip policy, COVID-19 Cover is automatically included in the policy as we want to protect our customers against COVID-19 and to meet entry requirements imposed by certain countries.

23

I have recovered from COVID-19. Will I be covered under TravelEasy COVID-19 Cover? 

As long as you have fully recovered from COVID-19, it will not be considered as a pre-existing condition. Therefore, COVID-19 Cover will apply. 

Events Affecting Cover

Updated on 17 Nov 2021

The World Health Organisation (WHO) first declared the COVID-19 outbreak to be a global health emergency on 30 January 2020, these developments have since been considered as a known event globally from 27 February 2020. TravelEasy insurance does not cover COVID-19 as it is a known event.

From 17 November 2021, we have enhanced the product and are pleased to announce that TravelEasy policies will now include COVID-19 Cover benefit.

For Single Trip plans, the COVID-19 Cover is automatically included in your trip. For annual policyholders, please contact our customer service for information on how you can add COVID-19 Cover to your trip before you travel.

Please refer to COVID-19 Cover for details of the enhancements.

As the situation develops, other policy cover changes may apply. Please visit this section for latest updates.


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 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

No upper age limit No upper age limit

Benefit Coverage Overview

Sections 1 to 51*

Covered, except due to pre-existing medical conditions Covered, except due to pre-existing medical conditions

Section 52 Pre-Ex Critical Care

Not Applicable Covered

Overseas Medical Expenses
(Individual Adult below Age 70)

$250,000 $500,000 $1,000,000 $250,000 $500,000 $1,000,000

Pre-Ex Critical Care - Sub-limit of Sections 6 and 16
(Individual Adult below Age 70)

Overseas Medical Expenses

Not covered

$75,000

$100,000

$150,000

Emergency Evacuation and Repatriation

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

Personal Accident

(Individual Adult below Age 70)

$150,000 $200,000 $500,000 $150,000 $200,000 $500,000

Medical Expenses in Singapore - Treatment within 72 hours of return to Singapore

Pre-existing condition

Not covered

Not covered

Non pre-existing medical conditions

Covered Covered

Premiums

TravelEasy table rates TravelEasy Pre-Ex table rates

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

Customer Reviews
Review Customer Name

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

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

Easy to purchase 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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