ETIQA Travel Insurance Review

With Etiqa’s eProtect Travel, you will be able to journey with a peace of mind during your vacation or business trip as you will get comprehensive coverage. You can apply for an in-flight plan with coverage of up to S$50,000 for accidental death, free of charge.

The most unique feature about this policy is that it is family-friendly as you can get coverage for your spouse and up to eight kids who are aged 18 years or below. You will also get cover for your kid below 25 if he/she is a student in a recognised institute (tertiary) in Singapore. In the case of the Annual Multi-Trip Family plan, you and your family members (insured members) are not required to travel together.

eProtect Travel: Basic Key Highlights

  • If you are over 70 years, you will get up to S$30,000 as part of the medical expenses you incur overseas.
  • If the travel agent through which you booked your trip becomes bankrupt, you will get up to S$1,000.
  • If your trip gets cancelled before your depart, you will get a coverage of up to S$5,000.

You will also be covered if your flight is diverted or if you lose your travel documents including money. If your trip is rescheduled for a later date for any reason, you will get up to S$500. Other miscellaneous benefits include coverage for compassionate visits, hospital visitation, hospital allowance, hospital income abroad, emergency telephone charges, and guardian expenses for your children. The special benefits that you will get with the Basic plan include an automatic extension of cover for up to 7 days, a cover of up to $200,000 for any act of terrorism. If your trip is curtailed in any manner including hijacking, you will be eligible for a cover of up to S$1,000.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$200,000 Up to S$200,000 Up to S$300 Up to S$200 Up to S$2,000

eProtect Travel: Economy Key Highlights

  • The personal accident coverage for an adult over 70 years is up to S$50,000, while it is S$75,000 for a child.
  • If you incur any medical expense overseas, you will get up to S$50,000 if you are over 70 years while a child will get S$100,000.
  • As part of overseas hospital income, you will get up to S$15,000.

Under the Economy plan, you will also be compensated for any medical expenses incurred in Singapore. This amount is up to S$10,000 for an adult below 70, S$3,000 for an adult over 70, and S$5,000 for a child. You will get up to S$800 as hospital allowance in Singapore. If you are hospitalised abroad and there is no one from your family with you, a member will get up to $5,000 as part of hospital visitation.

As part of the compassionate visit, a member of your family will get up to S$5,000 for hotel and travel expenses. You will get up to S$200 for making emergency telephone calls when you are abroad.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$300,000 Up to S$500,000 Up to S$500 Up to S$200 Up to S$3,000

eProtect Travel: Business Key Highlights

  • Get up to S$15,000 if your trip is cancelled.
  • If your trip is curtailed even because of a possible hijacking, you will get up to S$10,000.
  • In case you lose your personal effects including your laptop computer, you will get up to S$250 per article.

Under the Business plan, you will be eligible for a compensation of up to S$75,000 if you are over 70 years and S$100,000 for a child in case of accidental death or permanent disablement. Even if it is rare, you will get coverage for any act of terrorism. If you are kidnapped or taken hostage while you are on your trip, you will get up to S$5,000. As part of the special benefit, your cover will automatically get extended by up to seven days. If the flight that you have taken is diverted by any chance, you will get compensation of up to S$100 for every six hours overseas, up to S$800.

Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
Up to S$400,000 Up to S$1 million Up to S$800 Up to S$200 Up to S$5,000

ETIQA Travel Insurance Promotions

  • Etiqa eProtect Travel offers a discount of up to 56% on a single-trip plan and a discount of 35% on annual-trip insurance.
  • As part of the TEIF (Thank Etiqa It’s Friday) sale, you will get an additional 10% discount if you purchase the insurance on a Friday. This offer is applicable only when you purchase the insurance online. Also, this promotion cannot be used in combination with other offers.

What Cover You Can Expect From Etiqa eProtect Travel

Plan/Coverage Basic Economy Business
Type of trip cover Single/Annual Single/Annual Single/Annual
Medical expense cover in Singapore S$5,000 S$10,000 S$15,000
Emergency medical evacuation S$1.5 million S$1.5 million S$1.5 million
Travel inconvenience cover S$5,000 S$10,000 S$15,000
Pre-existing medical conditions NA NA NA
Pregnancy cover NA NA NA
Personal liability cover S$500,000 S$750,000 S$1 million
Additional cover for flight delay S$300 (S$50 for every 3 hours)

What is Not Covered: General Exclusions

  • All pre-existing medical conditions.
  • Attempt to commit suicide or any other self-inflicted injury while you are abroad.
  • Complication in pregnancy, miscarriage, childbirth while you are on your trip.
  • The costs of any damage which is covered as part of some other insurance policy.
  • Sleep and mental disorders.
  • Harm caused because of a civil war, act of a foreign enemy, invasion, and more.
  • Accidents caused because you are under the influence of non-prescribed drugs, medications, or alcohol.
  • Participating in the following activities while you are abroad:
      • Extreme sports
      • Mountaineering or rock climbing
      • Hiking or trekking
      • Expeditions
      • Motorcycling

Things to Consider Before Getting Etiqa eProtect Travel

  • You will not get any additional benefits such as pet care, protection of sporting goods, and more.
  • The coverage is lower for people over 70 years of age.
  • Your trip must start from Singapore.
  • If you have multiple travel insurance policies with Etiqa, the policy with the maximum benefit will be applicable.
  • You must inform Etiqa if you wish to extend the cover beyond 182 days for a single-trip plan if your return to Singapore is delayed.

Here’s How You Can Buy Etiqa eProtect Travel

You can get a quote to purchase the Etiqa eProtect travel insurance policy online within seconds if you fulfil all the necessary eligibility criteria. You just have to enter your personal details, details of the countries you are travelling to, and your travel dates. Once you have entered all the details, you just have to choose the plan and you are good to go.

How to File a Travel Insurance Claim

If you wish to make a claim, you can do so in the following ways:

  • Get in touch with the Etiqa Claims Team on the procedure for lodging a travel claim. You must contact them only during working hours (between 8:30 a.m. and 5:30 p.m.)
  • You also have the option of completing the claim form online or you can download the form and fill it up for submission along with the required documents.

The supporting documents that you will require at the time of filing a claim are as follows:

  • Original medical bills
  • Medical reports
  • Police report lodged overseas
  • Airport irregularity report
  • Letter of administration or probate

If the claim you submitted is in order, it will be sorted out and the payment will be carried out accordingly. If the travel claim is linked to death, you will be appointed a loss adjuster who will assist you during the process of investigation. Here is the link that you can use to submit your claim

ETIQA Travel Insurance Hotline

Phone number Emergency Assistance: +65 6327 2215 Customer Care: +6568878777 Main Office: +6563360477
Fax +65 6339 2109
Email [email protected] [email protected]

Frequently Asked Questions

Q. Who can purchase Etiqa eProtect Travel?

A. The following people can purchase Etiqa eProtect Travel insurance:

  • Citizens of Singapore
  • Permanent Residents
  • Foreigners with a valid long-term Visit Pass/Dependant’s Pass/Work Pass/Student Pass

Q. What will a single-trip policy cover?

A. The single-trip policy under Etiqa eProtect Travel covers an entire trip up to a duration of 182 consecutive days or less from the time you leave your home or workplace in Singapore to 6 hours after your return to Singapore.

Q. Will I get any refund if I decide not to proceed with my trip?

A. You will not get any refund if you cancel your single-trip policy after the period of insurance has commenced. For the annual multi-trip policy, you will be granted the refund on a pro-rata basis corresponding to the insurance period that remains unexpired at that time.

Q. Do I have the option of changing the commencement date of my insurance?

A. Yes, you can change the commencement date of your insurance, but only if you inform Etiqa before the period of insurance or before your trip commences.

Q. How do I choose my travel region if I am travelling to multiple countries?

A. If you are travelling to multiple countries, you can choose the destination furthest from Singapore.

News About ETIQA Travel Insurance

  • Etiqa Insurance has announced new digital services with DBS Bank

    Etiqa has integrated its services with MyInfo, a government digital database. It also launched an eWallet service with DBS Bank, allowing customers to encash online insurance claims. The insurer also saw 200% annual revenue growth until November 2017.

    22nd December 2017

  • Etiqa Insurance starts automatic real-time flight delay payments

    Etiqa Insurance has launched a unique real-time claims approval process for flight delays. From now on, travellers will get notifications if their flight has been delayed for more than 6 hours, and automatic insurance payment will be made out to them.

    You don’t need to make a claim for travel delay of up to 12 hours. Beyond that, you will have to make a claim online.

    Etiqa, the insurance division of Maybank, has made this possible by collaborating with flight data applications and services across the world. Sue Chi Kong, Chief Executive Officer of Etiqa, said, “We are constantly looking out to offer our customers all service possibilities that technology can bring. More than 60% of our travel delay claims are for delays that are 12 hours or less, thus we have transformed our claims process to make it simpler, faster and easier for our customers.”

    19th July 2017

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