TravelEasy®
MSIG's TravelEasy protects you wherever you go. With comprehensive coverage that includes medical expenses, trip cancellations, and personal belongings protection, MSIG's travel insurance is designed to support you through unexpected travel disruptions.
The policy also includes an adventurous cover option, making it ideal for those pursuing activities like scuba diving, trekking, and more. Explore our latest travel insurance promotion for valuable coverage options at a discount. With over 50 benefits, MSIG TravelEasy helps you travel with confidence.
Features & benefits
Get comprehensive protection with over 50 benefits
that cover medical and personal accident essentials, travel inconveniences and lifestyle activites.
Our medical and related cover
provides 24/7 emergency medical assistance worldwide, up to $1M coverage for overseas medical expenses and another $1M for emergency evacuation and repatriation.
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.)
Damaged or lost baggage cover
offers up to $7,500 for lost or damaged baggage and up to $5,000 to replace lost travel documents.
Delayed flight and baggage benefits
compensate you up to $1,500 for any flight or baggage delays.
More affordable premiums
with our newest Lite plan, designed for the budget-conscious.
* TravelEasy policy excludes cover for pre-existing medical conditions. This special cover can be purchased under TravelEasy Pre-Ex policy for single trip only.
Why choose MSIG?
Simple to Buy
Getting single or annual travel insurance has never been easier! Buy online and receive your e-policy instantly!
24/7 Hotline
Our travel emergency hotline and live chat ensure there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.
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.
- Singaporean, permanent resident or foreigner holding valid employment, work permit or long-term pass issued by the Singapore government and is residing in Singapore.
- Adult: aged 18 years and above at the commencement of any trip. For annual plan, adults up to age 69 years can purchase a new policy and can renew their policy up to age 80 years. For adults above age 70, renewal is only allowed under Standard plan.
- Child: aged above one month and below 18 years or below 23 years if studying full time in a recognized institution of higher learning at the commencement of any trip.
Select plans to compare
| Benefits | Sum Insured | ||||
|---|---|---|---|---|---|
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | ||
Section 1Accidental death and permanent total disability |
|||||
|
Adult below 70 years |
$50,000 | $150,000 | $200,000 | $500,000 | |
|
Adult 70 years & above |
$20,000 | $50,000 | $75,000 | $100,000 | |
|
Child |
$20,000 | $50,000 | $75,000 | $100,000 | |
|
Adult & children/Family1 |
$140,000 | $400,000 | $550,000 | $1,200,000 | |
Section 2Public transport double cover |
|||||
|
Adult below 70 years |
Not covered | Not covered | $400,000 | $1,000,000 | |
|
Adult 70 years & above |
Not covered | Not covered | |||
|
Child |
$150,000 | $200,000 | |||
|
Adult & children/Family1 |
$1,100,000 | $2,400,000 | |||
Section 3Funeral expenses due to an accident |
|||||
|
Adult |
Not covered | $3,000 | $5,000 | $8,000 | |
|
Child |
$750 | $1,250 | $2,000 | ||
|
Adult & children/Family1 |
$6,000 | $10,000 | $16,000 | ||
Section 4Child education grant |
|||||
|
Individual |
Not covered | Not covered | $5,000 each child, Max $20,000 |
$8,000 each child, Max $32,000 |
|
|
Adult & children/Family1 |
|||||
Section 5Family assistance benefit |
|||||
|
Individual |
Not covered | Not covered | $3,000 | $5,000 | |
|
Adult & children/Family1 |
$6,000 | $10,000 | |||
Select plans to compare
| Benefits Summary | Sum Insured | ||||
|---|---|---|---|---|---|
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | ||
Section 20Insolvency of licensed travel operator |
|||||
|
Individual |
Not covered | $2,000 | $4,000 | $6,000 | |
|
Adult & children/Family1 |
Not covered | $4,000 | $8,000 | $12,000 | |
Section 21Travel cancellation |
|||||
|
Individual |
Not covered | $5,000 | $10,000 | $15,000 | |
|
Adult & children/Family1 |
Not covered | $12,000 | $25,000 | $37,500 | |
Section 22Travel postponement |
|||||
|
Individual |
Not covered | $700 | $1,500 | $2,000 | |
|
Adult & children/Family1 |
Not covered | $1,875 | $3,750 | $5,000 | |
Section 23Replacement of traveller |
|||||
|
Individual |
Not covered | $500 | $700 | $1,000 | |
|
Adult & children/Family1 |
Not covered | $1,250 | $1,875 | $2,500 | |
Section 24Replacement of employee |
|||||
|
Individual |
Not covered | $5,000 | $10,000 | $15,000 | |
|
Adult & children/Family1 |
Not covered | $5,000 | $10,000 | $15,000 | |
Section 25Delayed departure (pays every 6 hours) |
|||||
|
Individual |
Not covered | $100 Max $500 |
$100 Max $1,000 |
$100 Max $1,500 |
|
|
Adult & children/Family1 |
Not covered | $1,000 | $2,000 | $3,000 | |
Section 26Flight diversion (pays every 6 hours) |
|||||
|
Individual |
Not covered | $100 Max $500 |
$100 Max $1,000 |
$100 Max $1,500 |
|
|
Adult & children/Family1 |
Not covered | $1,000 | $2,000 | $3,000 | |
Section 27Overbooked flight (pays every 6 hours) |
|||||
|
Individual |
Not covered | $100 Max $200 |
$150 Max $300 |
$200 Max $400 |
|
|
Adult & children/Family1 |
Not covered | $400 | $600 | $800 | |
Section 28Missed travel connection (pays every 6 hours) |
|||||
|
Individual |
Not covered | $100 Max $200 |
$150 Max $300 |
$200 Max $400 |
|
|
Adult & children/Family1 |
Not covered | $400 | $600 | $800 | |
Section 29Shortening the trip |
|||||
|
Individual |
$300 | $5,000 | $10,000 | $15,000 | |
|
Adult & children/Family1 |
$750 | $12,500 | $25,000 | $37,500 | |
Section 30Travel disruption |
|||||
|
Individual |
$300 | $1,000 | $2,000 | $3,000 | |
|
Adult & children/Family1 |
$750 | $2,500 | $5,000 | $7,500 | |
Section 31Automatic extension of cover |
|||||
|
Individual |
Yes | Yes | Yes | Yes | |
|
Adult & children/Family1 |
Yes | Yes | Yes | Yes | |
Section 32Delayed baggage (pays every 6 hours) |
|||||
|
Individual |
$100 Max $100 |
$150 Max $600 |
$200 Max $1,000 |
$250 Max $1,500 |
|
|
Adult & children/Family1 |
$200 | $1200 | $2,000 | $3,000 | |
Section 33Baggage |
|||||
|
Individual |
$1,000 | $3,000 | $5,000 | $7,500 | |
|
Adult & children/Family1 |
$2,000 | $6,000 | $10,000 | $15,000 | |
|
Sub-limit: Per article, pair or set of items One unit of Laptop computer |
$200 | $500 | $500 | $1,000 | |
|
Sub-limit: Per article, pair or set of items One unit of Laptop computer |
$200 | $500 | $500 | $1,000 | |
Section 34Wedding clothing accessories |
|||||
|
Individual |
Not covered | Not covered | $2,500 | $3,500 | |
|
Adult & children/Family1 |
Not covered | Not covered | $2,500 | $3,500 | |
Section 35Loss of travel documents |
|||||
|
Individual |
$500 | $2,000 | $3,000 | $5,000 | |
|
Adult & children/Family1 |
$1,000 | $4,500 | $6,000 | $10,000 | |
Section 36Personal money |
|||||
|
Individual |
$100 | $100 | $300 | $500 | |
|
Adult & children/Family1 |
$100 | $100 | $300 | $500 | |
Section 37Fraudulent use of credit card |
|||||
|
Individual |
Not covered | Not covered | $2,000 | $3,000 | |
|
Adult & children/Family1 |
Not covered | Not covered | $2,000 | $3,000 | |
Section 38Credit card outstanding balance |
|||||
|
Individual |
Not covered | Not covered | $2,000 | $3,000 | |
|
Adult & children/Family1 |
Not covered | Not covered | $2,000 | $3,000 | |
Select plans to compare
| Benefits Summary | Sum Insured | ||||
|---|---|---|---|---|---|
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | ||
Section 39Personal liability |
|||||
|
Adult |
$500,000 | $500,000 | $1,000,000 | $1,000,000 | |
|
Child |
$250,000 | $250,000 | $500,000 | $500,000 | |
|
Adult & children/Family1 |
$500,000 | $500,000 | $1,000,000 | $1,000,000 | |
Section 40Legal expenses for wrongful arrest or detention |
|||||
|
Individual |
Not covered | Not covered | 5,000 | $10,000 | |
|
Adult & children/Family1 |
|||||
Select plans to compare
| Benefits Summary | Sum Insured | |||||
|---|---|---|---|---|---|---|
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | |||
Section 41Adventurous activities cover |
||||||
|
Individual |
Not covered | Not covered | Yes | Yes | ||
|
Adult & children/Family1 |
||||||
Section 4242. Golfer’s cover |
||||||
| Adult & children/Family1 | Damage or loss of golf equipment | Not covered | Not covered | $1,000 | $1,500 | |
| Unused green fees due to injury or illness | $500 | $750 | ||||
| Hole-in-one | $500 | $750 | ||||
Section 43Unused entertainment ticket |
||||||
|
Individual |
Not covered | Not covered | $300 | $500 | ||
|
Adult & children/Family1 |
$600 | $1,000 | ||||
Section 44Rental vehicle excess |
||||||
|
Individual |
Not covered | Not covered | $1,000 | $1,500 | ||
|
Adult & children/Family1 |
||||||
Section 45Rental vehicle excess |
||||||
|
Individual |
Not covered | Not covered | $500 | $750 | ||
|
Adult & children/Family1 |
||||||
Section 46Home contents |
||||||
|
Individual |
Not covered | Not covered | $10,000 | $15,000 | ||
|
Adult & children/Family1 |
||||||
Section 47Domestic pets care |
||||||
|
Individual |
Not covered | Not covered | $50 per day Max $500 |
$75 per day Max $750 |
||
|
Adult & children/Family1 |
||||||
Select plans to compare
| Benefits Summary | Sum Insured | ||||
|---|---|---|---|---|---|
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | ||
Section 48Terrorism cover |
|||||
|
Adult below 70 years |
$100,000 | $200,000 | $300,000 | $500,000 | |
|
Adult 70 years & above |
$100,000 | $200,000 | $300,000 | $500,000 | |
|
Child |
$100,000 | $200,000 | $300,000 | $500,000 | |
|
Adult & children/Family1 |
$400,000 | $800,000 | $1,200,000 | $2,000,000 | |
Section 49Passive war |
|||||
|
Adult below 70 years |
$50,000 | $150,000 | $200,000 | $500,000 | |
|
Adult 70 years & above |
$20,000 | $50,000 | $75,000 | $100,000 | |
|
Child |
$20,000 | $50,000 | $75,000 | $100,000 | |
|
Adult & children/Family1 |
$140,000 | $400,000 | $550,000 | $1,200,000 | |
Section 50Hijack of public transport (pays every 6 hours) |
|||||
|
Individual |
$100 Max $2,000 |
$100 Max $2,000 |
$200 Max $4,000 |
$300 Max $6,000 |
|
|
Adult & children/Family1 |
$5,000 | $5,000 | $10,000 | $15,000 | |
Section 51Kidnap and hostage (pays every 6 hours) |
|||||
|
Individual |
$100 Max $2,000 |
$100 Max $2,000 |
$200 Max $4,000 |
$300 Max $6,000 |
|
|
Adult & children/Family1 |
$5,000 | $5,000 | $10,000 | $15,000 | |
Select plans to compare
|
All TravelEasy plans come with COVID-19 Cover. The following benefits apply for policies issued under an individual. For policies issued under corporate, please refer to the benefit summary in the policy wordings. |
||||||||
|---|---|---|---|---|---|---|---|---|
| Benefits Summary | Sum Insured | |||||||
| Lite Plan Single return trip only | Standard Plan | Elite Plan | Premier Plan | |||||
|
Pre-trip benefits |
||||||||
Section 21Travel cancellation |
||||||||
|
Insured person |
Not covered | $3,000 | $4,000 | $5,000 | ||||
|
Total for adult and children cover |
Not covered | $4,500 | $6,000 | $7,500 | ||||
|
Total for family cover |
Not covered | $7,500 | $10,000 | $12,500 | ||||
Section 22Travel postponement |
||||||||
|
Insured person |
Not covered | $500 | $1,000 | $1,500 | ||||
|
Total for adult and children cover |
Not covered | $750 | $1,500 | $2,250 | ||||
|
Total for family cover |
Not covered | $1,250 | $2,500 | $3,750 | ||||
Section 23Replacement of traveller |
||||||||
|
Insured person |
Not covered | $500 | $750 | $1,000 | ||||
|
Total for adult and children cover |
Not covered | $750 | $1,125 | $1,500 | ||||
|
Total for family cover |
Not covered | $1,250 | $1,875 | $2,500 | ||||
|
During trip benefits |
||||||||
Section 6Overseas medical expenses |
||||||||
|
Adult below 70 years |
$25,000 | $75,000 | $150,000 | $250,000 | ||||
|
Adult aged 70 and above |
$10,000 | $37,500 | $75,000 | $125,000 | ||||
|
Child |
$10,000 | $37,500 | $75,000 | $125,000 | ||||
|
Total for adult and children cover |
$45,000 | $150,500 | $300,000 | $500,000 | ||||
|
Total for family cover |
$70,000 | $225,000 | $450,000 | $750,000 | ||||
|
Applicable excess |
$100 | Nil | Nil | Nil | ||||
Section 15Medical and travel assistance services |
||||||||
|
Adult/ child |
Included | Included | Included | Included | ||||
Section 16Emergency medical evacuation and repatriation |
||||||||
|
Adult/ child |
$100,000 | $1,000,000 | $1,000,000 | $1,000,000 | ||||
|
Total for adult and children cover |
$150,000 | $1,500,000 | $1,500,000 | $1,500,000 | ||||
|
Total for family cover |
$300,000 | $3,000,000 | $3,000,000 | $3,000,000 | ||||
Section 24Replacement of employee (for corporate policyholders only) |
||||||||
|
Insured person |
Not covered | $1,000 | $1,500 | $2,000 | ||||
Section 29Shortening your trip |
||||||||
|
Adult/ child |
Not covered | $3,000 | $4,000 | $5,000 | ||||
|
Total for adult and children cover |
Not covered | $4,500 | $6,000 | $7,500 | ||||
|
Total for family cover |
Not covered | $7,500 | $10,000 | $12,500 | ||||
Section 30Travel disruption |
||||||||
|
Adult/ child |
Not covered | $1,000 | $2,000 | $3,000 | ||||
|
Total for adult and children cover |
Not covered | $1,500 | $3,000 | $4,500 | ||||
|
Total for family cover |
Not covered | $2,500 | $5,000 | $7,500 | ||||
Section 31Automatic extension of cover |
||||||||
|
Adult/ child |
Included | Included | Included | Included | ||||
Overseas quarantine daily benefit |
||||||||
|
Adult |
Not covered | $50 per day Max $700 |
$100 per day Max $1,400 |
$100 per day Max $1,400 |
||||
|
Child |
Not covered | $25 per day Max $350 |
$50 per day Max $700 |
$50 per day Max $700 |
||||
|
Total for adult and children cover |
Not covered | $1,050 | $2,100 | $2,100 | ||||
|
Total for family cover |
Not covered | $1,750 | $3,500 | $3,500 | ||||
Cover for trip
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.
- Child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
Cover for travellers
Individual
- Covers one traveller for the trip
- Available for Single Return Trip and Annual plan
Group
- Suitable for group of friends, students or relatives
- Covers for 2 or more travellers who are travelling together on the same trip
- Child are 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
Areas
Select the area of your travel based on the travel destination. For travel to multiple countries, select the area wider area. For example, if you are travelling to countries in Area A and B, please select Area B as Area B includes countries in Area A.
Area A
Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand and Vietnam.
Area B
Australia, China (except 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.
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
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.
All these conditions must be met for COVID-19 Cover to operate.
- The insured person must comply with all requirements and advice put in place by the Singapore and relevant overseas government, transport and accommodation provider relating to measures for minimising the risk and spread of COVID-19, including but not limited to COVID-19 vaccination requirement, pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary.
- During the trip, the insured person does 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.
- The insured person or the personal representative must contact MSIG Assist immediately for any medical claims relating to COVID-19.
- Conditions applicable for sections 21 (Travel cancellation), 22 (Travel postponement) and 23 (Replacement of traveller):
If a policy is purchased within 30 days before the scheduled departure date of the trip:- This policy must be purchased at least 3 days before the trip or earlier.
- Both the insured person and travel companion meet these conditions on and during the 7 days before the policy purchase date:
- both the insured person and travel companion do not have any COVID-19 symptoms such as fever, cough, shortness of breath, blocked or runny nose, sore throat or loss sense of smell;
- both the insured person and travel companion have not tested positive for COVID-19;
- both the insured person and travel companion have not been in close contact with suspected or confirmed COVID-19 person or received notification/health risk warning issued by the Singapore government.
Exclusions
COVID-19 Cover will not pay for claims directly or indirectly related to:
- claims due to circumstances which you, the insured person or the travel companion knew before the purchase of this policy or trip that may lead to a claim under this policy;
- changes to 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;
- any 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;
- medical expenses incurred in Singapore, or after 60 days from the date the insured person first tested positive for COVID-19 by a doctor or government approved personnel during the trip outside Singapore. To avoid any doubt, we will assess the claim based on the date which the COVID-19 test was done and not the date which the test results are released;
- vaccination, including the side effects and complications resulting from vaccination; or
- pre-existing medical condition and its complications, regardless of whether it is resulting from or complicated by COVID-19 infection.
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.
TravelEasy covers for insured events listed under each benefit section of the policy (for example, Travel cancellation and Travel postponement).
These insured 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. These are considered as known events in our policy wordings.
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.
Earthquake
In the case of earthquakes, they are normally accompanied by aftershocks which may last for weeks after the initial earthquake. If you have purchased your policy after the initial earthquake, you will not be covered for claims relating to the earthquake and their aftershocks as they would be considered as known event which are excluded from cover.
For information on claims procedure, click here.
If you would like to clarify on your coverage, you can chat with Mae or contact us.
| No. | Questions & Answers | |
|---|---|---|
| 1 |
Who is suitable to purchase the Lite plan under TravelEasy? The Lite plan is designed to insure travellers going on short trips to nearby countries who want to have a basic peace of mind when they travel. Please note that there are several benefits which are not covered under the Lite plan. |
|
| 2 |
What are the benefits under the TravelEasy Lite plan? Please refer to the benefit table above for all the benefits offered under TravelEasy, including Lite plan |
|
| 3 |
Can I purchase an annual plan under TravelEasy Lite plan? No, TravelEasy Lite plan is only available for single return trips. |
|
| 4 |
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. |
|
| 5 |
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. |
|
| 6 |
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. |
|
| 7 |
Can my company buy a TravelEasy policy for me? Yes, your company can purchase a TravelEasy policy using the application form via Downloads. |
|
| 8 |
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 |
|
| 9 |
Are there any countries excluded from cover? All countries are covered unless expressly excluded. |
|
| 10 |
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. |
|
| 11 |
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:
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. |
|
| 12 |
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. |
|
| 13 |
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. |
|
| 14 |
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. |
|
| 15 |
Are there any differences between family cover and group cover? The differences between family cover and group cover are: Family cover
Group cover
|
|
| 16 |
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. |
|
| 17 |
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. |
|
| 18 |
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:
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. |
|
| 19 |
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. |
|
| No. | Questions & Answers | |
|---|---|---|
| 1 |
Who is eligible for COVID-19 Cover? A traveller who fulfils all the conditions below:
|
|
| 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. |
|
| 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? The following benefits are only applicable for Standard, Elite and Premier plans. 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:
However, we will pay claims under travel cancellation and travel postponement provided you and your travel companion meet these conditions:
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:
|
|
| 6 |
If there are changes to the travel advisory during my travel, can I claim under Section 29 (Shortening the trip) or Section 30 (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. The following benefits are only applicable for Standard, Elite and Premier plans. 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.
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? The following benefits are only applicable for Standard, Elite and Premier plans. 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? The following benefits are only applicable for Standard, Elite and Premier plans. 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.
|
|
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.
| TravelEasy | TravelEasy Flex | TravelEasy Pre-Ex | |
|---|---|---|---|
Suitable for |
Customers who want fuss free packaged travel insurance coverage |
Customers who want flexibility to customise their protection to suit their travel needs and budget |
Customers who want fuss free packaged travel insurance coverage including cover for pre-existing medical condition. |
Coverage |
Choose from 4 plans with up to 51 benefits |
Choose from 3 plans and 6 optional covers |
Choose from 3 plans with up to 52 benefits All benefits are the same as TravelEasy except with addition of section 52. |
Cancel for any reason benefit |
Not covered |
Available as optional cover |
Not covered |
Pre-existing medical condition |
Not covered |
Available as optional cover |
Covered |
COVID-19 |
Covered |
Available as optional cover |
Not covered |
Single return trip maximum duration |
182 days |
182 days |
30 days |
Annual plan |
Available |
Available |
Not available |
