• MSIG Travel Insurance Singapore Review

    Does it surprise you when your family or friends come back from vacation and tell you about their terrible horror stories from their trip abroad. These stories are not complete without stomach upsets, lost baggage, missed flight connections, and stolen personal items. Did it strike you that travel insurance would have been the one solution to take care of all of that in one sitting?

    MSIG Travel Insurance would have provided comprehensive coverage for almost all inconveniences from travel disruption to emergency medical coverage. It’s most enticing feature is that, it also offers coverage for practically everything else - from golf, to pet care, to lost or stolen credit cards, and even wedding clothing and accessories.

    Options Available with MSIG

    1. TravelEasy
    2. TravelEasy Pre-Ex
    3. Global Study

    A. TravelEasy

    This travel policy comes in 3 plans: Standard, Elite, and Premier. You may want to pick a plan depending on which one provides the maximum coverage you need.

    MSIG Travel Insurance: TravelEasy Standard Key Highlights

    • S$2,000 loss of travel documents and passport.
    • S$5,000 provided as emergency dental expenses coverage.
    • S$5,000 provided as trip cancellation coverage.

    This plan offers standard coverage when it comes to most fields for basic policies. It fails to provide any coverage for golf, weddings, or sporting activities of any kind. It also offers the industry average when it comes to emergency medical evacuation and repatriation coverage, at S$1 million. It, however, does not cover the fraudulent usage of your credit cards or provide coverage for pre-existing medical conditions of any kind. That said, it does offer S$500,000 in personal liability coverage, which is great should you ever find yourself in a position where you have damaged property or injured a third party while you are overseas.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$150,000 S$250,000 Up to S$500 Up to S$600 S$3,000

    MSIG Travel Insurance: TravelEasy Elite Key Highlights

    • S$3,000 loss of travel documents coverage.
    • S$10,000 provided as trip cancellation coverage.
    • S$10,000 provided as emergency dental expenses coverage.

    This plan is superior in its loss of baggage and personal effects coverage, at $5,000. It is also more than competitive when it comes to its coverage of travel inconveniences of up to S$10,000. That said, this plan offers S$2,000 in the event that pregnancy-related illnesses like nausea or dizziness arise - or any other complication for that matter. It is special in that it also covers S$2,000 in fraudulent usage of your credit cards in the event of loss or theft while.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 S$500,000 Up to S$1,000 Up to S$1,000 S$5,000

    MSIG Travel Insurance: TravelEasy Premier Key Highlights

    • S$5,000 loss of travel documents coverage.
    • S$15,000 provided as trip cancellation coverage.
    • S$15,000 provided as emergency dental expenses coverage.

    This plan offers S$500,000 in coverage of accidental death and disability, which is one the highest amounts offered among insurers in Singapore. It also offers S$1 million coverage for both personal liabilities and emergency medical evacuations. Also, it offers up to S$15,000 in coverage for any travel inconveniences. It even offers S$3,000 in pregnancy cover. It also provides up to $3,000 in coverage for the fraudulent usage of your credit cards. And finally, it provides coverage for golf, water sports, weddings, pet care, and unused entertainment tickets.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$500,000 S$1 million Up to S$1,500 Up to S$1,500 S$7,500

    What You Can Expect from MSIG TravelEasy Plans

    Plan/Coverage TravelEasy Standard TravelEasy Elite TravelEasy Premier
    Type of trip cover Single Single Single
    Medical expense cover in Singapore S$25,000 S$50,000 S$75,000
    Emergency medical evacuation cover S$1 million S$1 million S$1 million
    Travel inconvenience cover* Up to S$5,000 Up to S$10,000 Up to S$15,000
    Pre-existing medical conditions cover Not available Not available Not available
    Pregnancy cover Not available S$2,000 S$3,000
    Personal liability cover S$500,000 S$1 million S$1 million
    Fraudulent use of credit card cover Not available S$2,000 S$3,000
    Adventurous activities cover Not available Available Available
    Wedding clothing and accessories Not available S$2,500 S$3,500
    Golfer’s cover Not available S$1,000 S$1,500
    Unused entertainment ticket cover Not available S$300 S$500
    Domestic pets care cover Not available Up to S$500 Up to S$750

    *Travel inconvenience cover includes: trip cancellation, trip postponement, missed connections, change of travel dates, change of trip itinerary, delayed departure, loss of baggage, overbooked mode of transportation, missed departure, delayed baggage, and loss of passport or travel documents, among others.

    B. TravelEasy Pre-Ex

    The TravelEasy Pre-Ex policy comes in 3 plans: Standard, Elite, and Premier. The plan that provides the maximum coverage for your travel needs and the optimal value is one you could consider.

    MSIG Travel Insurance: TravelEasy Pre-Ex Standard Key Highlights

    • S$2,000 provided for loss of travel documents and passport.
    • S$5,000 provided as emergency dental expenses coverage.
    • S$5,000 in trip cancellation coverage.

    This plan is offers value for money considering its competitive coverage across most fields. It provides S$2 million in emergency evacuation coverage, which is above average for the lower tier plan it is. However, pregnancy-related illnesses and complications, and the fraudulent usage of your lost or stolen credit cards overseas is not covered. That said, it does provide personal liability coverage, at S$500,000. Best of all, it provides up to S$175,000 in coverage for pre-existing medical conditions, which is almost unheard of in the travel insurance industry.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$150,000 S$250,000 Up to S$500 Up to S$600 S$3,000

    MSIG Travel Insurance: TravelEasy Pre-Ex Elite Key Highlights

    • S$3,000 loss of travel documents and passport coverage.
    • S$10,000 trip cancellation coverage.
    • S$10,000 provided as emergency dental expenses coverage.

    This plan provides S$200,000 in accidental death and disability coverage - which is one of the highest of any other plan in its tier across the board. It also offers S$250,000 in pre-existing medical conditions coverage. It also goes as far as to grant S$2,000 in pregnancy-related illnesses and complications coverage, should you be travelling while pregnant. Additionally, it offers S$2,000 for the fraudulent usage of your credit cards. It also provides S$1 million in prime coverage for personal liabilities should third-party injuries be sustained or property damaged on your trip. Finally, it is comprehensive in its coverage of golf, pet care, wedding accessories, water sports, and unused entertainment.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 S$500,000 Up to S$1,000 Up to S$1,000 S$5,000

    MSIG Travel Insurance: TravelEasy Pre-Ex Premier Key Highlights

    • S$5,000 loss of travel documents and passport coverage.
    • S$15,000 provided as emergency dental expenses coverage.
    • S$15,000 trip cancellation coverage.

    This plan provides S$500,000 in accidental death and disability coverage - which is the highest in its tier. It also happens to provide S$350,000 of coverage for pre-existing conditions - which is highly unusual. Additionally, it offers S$3,000 in pregnancy-related illnesses and complications coverage. Moreover, should you lose your credit cards along the way, this plan provides up to S$3,000 in coverage for the fraudulent usage of your credit cards. It also provides S$1 million in coverage of any personal liabilities during your trip. And finally, it offers S$350,000 in pre-existing medical conditions coverage to keep you safe.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$500,000 S$1 million Up to S$1,500 Up to S$1,500 S$7,500

    What You Can Expect from TravelEasy Pre-Ex Plans

    Plan/Coverage TravelEasy Pre-Ex Standard TravelEasy Pre-Ex Elite TravelEasy Pre-Ex Premier
    Type of trip cover Single Single Single
    Medical expense cover in Singapore S$25,000 S$50,000 S$75,000
    Emergency medical evacuation cover S$1 million S$1 million S$1 million
    Travel inconvenience cover* Up to S$5,000 Up to S$10,000 Up to S$15,000
    Pre-existing medical conditions cover Up to S$175,000 Up to S$250,000 Up to S$350,000
    Pregnancy cover Not available S$2,000 S$3,000
    Personal liability cover S$500,000 S$1 million S$1 million
    Fraudulent use of credit card cover Not available S$2,000 S$3,000
    Adventurous activities cover Not available Available Available
    Golfer’s cover Not available S$1,000 S$1,500
    Wedding clothing & accessories Not available S$2,500 S$3,500
    Unused entertainment ticket cover Not available S$300 S$500
    Domestic pets care cover Not available Up to S$500 Up to S$750

    *Travel inconvenience cover includes: trip cancellation, trip postponement, change of travel dates, change of trip itinerary, delayed departure, overbooked mode of transportation, missed departure, missed connections, delayed baggage, loss of baggage, loss of passport or travel documents, and unauthorised use of stolen/lost credit cards, among others.

    C. Global Study

    The Global Study policy comes in 2 plans: Classic and Premier. International students should ensure that you pick the one with the most amount of relevance and coverage for your specific travel needs.

    MSIG Travel Insurance: Global Study Classic Key Highlights

    • S$500 loss of travel documents and passport coverage.
    • S$2,000 provided as alternative accommodation coverage.
    • S$10,000 provided in study interruption coverage.

    Global Study Classic is a standard travel insurance plan for international students travelling abroad. It provides coverage for only your most vital of needs. It offers up to S$500 in coverage for both delayed baggage and travel delays. The plan does not offer pregnancy-related illnesses and complications coverage for it operates under the assumption that students going abroad will not be giving birth while travelling, or during their studies overseas for that matter. No coverage for pre-existing medical conditions is offered either. You should also note that coverage for the fraudulent usage of your credit cards is not available with this plan. It, however, provides S$300,000 in coverage for any personal liabilities encountered during your travels, and S$1 million for emergency medical evacuations - which could come in handy should any emergencies pop up while you are away.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$100,000 S$15,000 Up to S$500 Up to S$500 S$1,000

    MSIG Travel Insurance: Global Study Premier Key Highlights

    • S$1 million in emergency medical evacuation and repatriation coverage
    • S$15,000 provided in study interruption coverage.
    • S$3,000 provided as alternative accommodation coverage.

    Global Study Premier is a top-tier travel insurance plan for international students travelling abroad. It provides maximum coverage for all your travel needs. The plan offers up to S$1,000 in coverage for both travel and baggage delays, which is greater than the industry average so similar plans. No coverage for pre-existing medical conditions is offered, though. Neither is any coverage extended for pregnancy-related illnesses or complications.

    Also, keep in mind that this plan does not offer coverage for the fraudulent usage of your credit cards. It, however, provides S$500,000 in coverage for any personal liabilities encountered during your travels. Additionally, if you plan on engaging in sporting activities from water sports to winter sports while abroad - you might want to take advantage of this plan. Finally, like all good study abroad travel insurance policies, it offers S$15,000 in study interruption coverage to cover any fees paid by you in advance. This is useful for you in the event that you accidentally injure yourself or face any illnesses that prevent you from attending the university or college that term.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$150,000 S$50,000 Up to S$1,000 Up to S$1,000 S$2,000

    What You Can Expect from Global Study Plans

    Plan/Coverage Global Study Classic Global Study Premier
    Type of trip cover Single Single
    Medical expense cover in Singapore Not available Not available
    Overseas medical expense cover S$15,000 S$50,000
    Emergency medical evacuation cover S$1 million S$1 million
    Travel inconvenience cover* Up to S$1,000 Up to S$2,000
    Pre-existing medical conditions cover Not available Not available
    Pregnancy cover Not available Not available
    Personal liability cover S$300,000 S$500,000
    Fraudulent use of credit card cover Not available Not available
    Adventurous activities cover Not available Available

    *Travel inconvenience cover includes: trip cancellation, trip postponement, change of travel dates, change of trip itinerary, delayed departure, overbooked mode of transportation, missed departure, missed connections, delayed baggage, loss of baggage, and loss of passport or travel documents, among others.


    What Is Not Covered: General Exclusions

    • Any loss that was not reported to the local authorities within 24 hours of the discovery.
    • Any damage, injury, or loss resulting from the influence of alcohol, medication, or non-prescription drugs.
    • Any illegal or unlawful acts of detention, confiscation, or destruction by customs, or any other authorities.
    • Any sexually transmitted diseases or complications from HIV, AIDS, or any mutant derivative of them.
    • Any intentional self-inflicted injury whether it be suicide or attempted suicide - while insane or sane.
    • You will not be covered while you willingly take part in any sport or recreational activities with an inherently high level of risk (bungee jumping, rock climbing, deep sea diving, etc.)
    • Any damage, loss, or injury directly resulting from a mental problem or insanity.
    • Any participation in professional or competitive sports where you stand to get monetary rewards.

    Things To Consider Before Getting This Travel Insurance Plan

    Pre-existing conditions

    A pre-existing condition is any medical condition, injury, or illness that occurred before an insurance policy started its coverage. Keep in mind that any pre-existing medical condition that gets worse 30 days prior to the start of your trip may not be covered. This is especially true if a doctor has advised you to seek a medical specialist, get investigative testing done, undergo surgery, or has changed your prescribed medication and/or dosage, or treatment within that time frame.

    Accidental death & disability

    Do note that should you suffer an injury as a fare-paying passenger on any public transportation outside Singapore during your travels, and it results in death within 12 calendar months of the incident, the amount payable to you will be double the limit for death. This means that for a coverage of S$500,000, as a result of a public transportation accident, you will be entitled to S$1 million in terms of the amount payable to you.

    Emergency medical evacuation

    If you manage to suffer from any illness or injury during your travels outside Singapore which results in a serious medical condition, MSIG will see to it that transport via air, sea, or land, and medical care is organised to get you to the nearest hospital. Keep in mind that MSIG will decide which transportation to employ, where you will be sent, and how the evacuation will take place, given all the factors pertaining to your circumstances in that moment.

    Pregnancy

    MSIG travel insurance covers up to S$3,000 for pregnancy-related complications and illnesses, which is standard among insurers that do choose to provide this coverage.

    Keep in the mind that the following will not be covered:

    • Any perinatal mental illnesses like anxiety disorders or depression, etc.  
    • Abortion or any miscarriage (unless it is due to an injury).
    • The stillbirth of your child.
    • Treatment and care for your newborn.
    • Any test or treatment related to fertility, contraception, birth defects, etc.
    • The first trimester of your pregnancy (from 0 to 12 weeks).

    Unauthorised credit card charges

    Should you suffer any financial losses as a result of the fraudulent use of your personal credit card by way of unauthorised charges made overseas, MSIG will pay for the unauthorised transactions. This loss can be as a result of burglary, robbery, or theft while you are on your travels abroad. Keep in mind that you must report your loss to the issuer of your credit card within 6 hours of the incident. Should you fail to do so, MSIG will not be held accountable to pay any benefit for your claim.

    Additional coverage

    This plan goes as far as to offer coverage for other activities from up to S$1,500 in golf cover to as much as S$3,500 for wedding accessories and clothing. It also provides up to S$750 for pet care and up to S$500 for unused entertainment tickets. Thus, it is easy to see how most of your lifestyle needs are covered with MSIG travel insurance.

    How You Can Buy MSIG Travel Insurance

    You can purchase MSIG travel insurance online.

    You will have to get a quote first by answering some basic questions on any pre-existing conditions or any hospital stays you may have had prior to your application. Should you meet the requirements as per their policy guidelines, you will be able to continue with the application process. You will have to enter your trip details, such as the number of travellers, the duration of your trip, where you are travelling to, and the dates of arrival and departure from Singapore.

    Once complete, you will then pick which plan you would like to go with for your travels overseas. After you pick your MSIG plan, you will have to enter your personal details, like your name, birthdate, address, nationality, etc. Once this form is completed, you can then review and pay for your MSIG travel insurance policy.

    How to File a Travel Insurance Claim

    Offline

  • To file a claim with MSIG Insurance, you must first download the claims form by clicking here, hitting “Download” and then completing the necessary details on the printed form.
  • You can then mail it with the supporting documents to the following address within 30 days upon returning to Singapore:
  • MSIG Travel Insurance

    4 Shenton Way #21-01 SGX Centre 2

    Singapore 068807

    Online

    To submit your claim online, simply enter your details into the MSIG online claim form - which can be found on their website. Once you finish entering your details, attach any supporting documents MSIG may require to successfully process your claim.

    Claim form

    You can find the online claim form here.

    To download the form to submit in-person or via mail, kindly follow the instructions above.

    MSIG Travel Insurance Hotline

    Customer service +65 6827 7602
    Emergency travel assistance helpline +65 6323 8288
    Email address claims@sg.msig-asia.com

    Frequently Asked Questions

    Q. In the event that I want to extend my trip while I am overseas, how do I go about doing this?

    A. You may extend your period of cover midway during your trip, should there be no known circumstances that are likely to lead to a claim. There may be a minimum premium of S$10 in order to do so. Please call the MSIG Assist hotline to request your travel extension.

    Q. If my child is older than 18 years old, will I be able to purchase the Global Study policy for them?

    A. Should your child be over 18 years old, they may have to purchase the insurance for themselves (under their name). As a parent, you may only pay for their premiums - should they be unable to.

    Q.When can I renew my policy?

    A. You must note that only the annual policy is renewable. You can expect to receive an invitation to renew your policy approximately 6 months prior to your policy’s expiration date.

    Q. Will I be able to get my TravelEasy policy premium back should I decide not to continue with my trip abroad?

    A. If there is no claim under your policy and you have not started travelling already, you may be eligible to get a refund. The amount you will get back will be the difference of the premium paid and the minimum retained premium of S$50. Should the policy’s premium amount you paid be less than S$50, no refund will be made.

    Q. Should my medical condition change after buying the insurance - what can I expect to happen?

    A. In the event that any of your pre-existing conditions worsen within the 30 days prior to the commencement of your trip and you have been advised treatment from a specialist, surgery, change in medication, or to undergo medical tests, you will not be covered. You will have to provide MSIG Insurance with supporting documents from your doctor in order to cancel the policy. Once that is done, your premium will be refunded in full.

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