Tiq Travel Insurance Review: Value-For-Money Travel Plan With Cover For Pre-Existing Conditions

Alevin Chan
Last updated May 09, 2022

Tiq Travel Insurance is a sound option for virtually every type or traveller — including those who have pre-existing conditions. Here’s how the plan works, what it covers, and how much it costs.

If you have a pre-existing medical condition, or wants to travel with someone who does, Tiq Travel Insurance should be your first choice. 

It is one of the rare few travel insurance plans that offers this benefit (known as a ‘pre-ex plan’), and does so without skimping on the level of protection. Indeed, sums assured and coverage areas are the same between Tiq Travel Insurance pre-ex plan and its regular counterpart.

However, pre-ex plans cannot have COVID-19 coverage — here available as an optional add-on — added to it. Notwithstanding this restriction, how does Tiq Travel Insurance measure up to the competition? 

To find out, we’ll be taking an in-depth look at this travel insurance plan, covering:

Product summary

Optional COVID-19 coverage 

COVID-19 coverage for travel cancellation or postponement, trip curtailment, as well as medical, hospitalisation and quarantine expenses is available on an optional basis. You may purchase this add-on during sign up. 

Option to cover pre-existing conditions

The plan is offered in two versions: pre-ex and non-pre-ex. The former allows claims arising from pre-existing medical conditions, such as heart disease, cancer, sleep apnea, epilepsy, etc. facilitating overseas travel for such individuals. However, pre-ex plans cannot include COVID-19 add-on.

Covers overseas medical expenses and follow-up treatment 

This plan offers benefits for overseas medical expenses, as well as follow-up treatment at hospitals or clinics upon your return. You can also receive a daily allowance during hospital stays. 

Travel and baggage benefits

Covers against common travel, trip and baggage risks, including delay of baggage, loss of personal items, travel delays, flight diversions, mis-connections, trip postponement, trip cancellation and bankruptcy of travel agency.  

Automatic compensation for flight delays

You will be automatically compensated should your flight experience a delay of at least three hours. The compensation amount will be credited to your TiqConnect e-wallet, and you can cash it out instantly using PayNow or direct bank transfer. You’ll need to input your flight details when purchasing your travel insurance plan to enjoy this benefit. 

Optional add-ons

Besides COVID-19 add-on, four other optional add-ons are available for child education, pet hotel, rental car and sports equipment, offering an added layer of protection in these areas. 

Pros and cons

ProsCons
Offers cover for pre-existing conditionsCannot have COVID-19 and pre-existing condition cover at the same time
Affordable and provides good value for moneyPlans with pre-existing cover cannot exceed 30 days in duration
Comprehensive suite of benefits, even at lowest tier
Optional COVID-19 cover allows more control over budget 

As mentioned earlier, Tiq Travel Insurance is one of the rare few travel insurance plans that cover pre-existing conditions, so that is undoubtedly a huge plus for this category of travellers. 

Other than that, another big pro found in Tiq Travel Insurance is its competitively priced premiums, made even more attractive by the fact that even the lowest tier plan retains most of the benefits found in the two higher tier ones. This helps to make Tiq Travel Insurance one that offers good value for money.

On the flipside, you cannot add COVID-19 cover to a plan with pre-existing conditions benefits. But perhaps the underwriting required to cover both categories of risk is simply untenable.  

Policy exclusions

Before signing up, take note of the following exclusions. This policy does not cover: 

  • Extreme sports and training for competitive purposes
  • Expeditions
  • Mountaineering or rock climbing that entails use of specific equipment
  • Trekking or hiking above 3,000m from sea level
  • Suicide, attempted suicide or intentional self-inflicted injury
  • Pregnancy, childbirth, miscarriage (unless accidental) and abortions, and associated complications
  • Conditions or complications arising from drug or alcohol use

For the full list of exclusions, please refer to the policy document

Types of plans

There are three different tiers available for Tiq Travel Insurance. We’ve listed them in the table below, along with a brief summary of the benefits offered. 

Do note that the benefits and sums assured for both the regular plan and the pre-ex plan are identical, thus we’ve only listed one set of data for clarity.

Be sure to consult the policy document for the full list of benefits. 

PlanSummary of benefits
LuxuryOverseas medical expenses: S$1 mil- In Singapore: S$10,000
Overseas hospital cash: S$200 per 24 hours, up to S$20,000- In Singapore: S$100 per 24 hours, up to S$1,500
Personal accident: S$500,000
Personal liability: S$750,000
Trip cancellation and loss of deposit: S$10,000
Travel postponement: S$1,000
Travel curtailment: S$5,000
Personal effects: S$3,000 (S$250 per article, S$1,000 per laptop)
Baggage delay: S$200 (S$100 per 6 hours)
Savvy Overseas medical expenses: S$500,000- In Singapore: S$7,500
Overseas hospital cash: S$200 per 24 hours, up to S$10,000- In Singapore: S$100 per 24 hours, up to S$1,000
Personal accident: S$300,000
Personal liability: S$500,000
Trip cancellation and loss of deposit: S$5,000
Travel postponement: S$500
Travel curtailment: S$3,000
Personal effects: S$2,000 (S$250 per article, S$1,000 per laptop)
Baggage delay: S$200 (S$100 per 6 hours)
Entry Overseas medical expenses: S$200,000- In Singapore: not covered
Overseas hospital cash: S$200 per 24 hours, up to S$5,000- In Singapore: S$50 per 24 hours, up to S$500
Personal accident: S$150,000
Personal liability: S$250,000
Trip cancellation and loss of deposit: S$5,000
Travel postponement: S$500
Travel curtailment: S$3,000
Personal effects: S$2,000 (S$250 per article, S$1,000 per laptop)
Baggage delay: S$200 (S$100 per 6 hours)
COVID-19 add-on (not available for pre-ex plan)Travel postponement: Up to S$1,500
Trip cancellation and loss of deposit: Up to S$5,000
Overseas medical expenses: Up to S$300,000
Overseas quarantine allowance: Up to S$1,500 (S$100 per 24 hours)
Travel curtailment and disruption: Up to S$5,000
Hospitalisation benefit in Singapore: Up to S$300
Optional ridersChild education: S$3,000 per child (up to S$15,000)
Rental car excess: Up to S$1,000
Pet hotel cover: S$1,000 (S$50 for every 6 hours)
Sports equipment: Up to S$4,000

Pricing

PlanPremiums
LuxurySingle traveller: S$32.90
Family: S$75.67
Savvy Single traveller: S$27.30
Family: S$62.79
EntrySingle traveller: S$18.90
Family: S$43.47
COVID-19 add-onEnhanced: S$29 per traveller
Savvy: S$21 per traveller
Entry: S$14 per traveller

The premiums above were quoted based on a four-day weekend trip to Thailand. Our made-up family used for this example consists of two adults and two children.

Do note the above premiums are shown with a 30% discount applied. 

As for COVID-19 cover, the premiums are charged on a per traveller basis, and this applies whether the individual is an adult or a child. 

Considering that the sums assured for COVID-19-related claims are not lowered for children, this is fair.

Single Trip: Use the promo code TIQMAY22 to enjoy a 40% discount. You will also be in the running to win attractive prizes – a Dyson Supersonic hair dryer, Apple iPhone 13 Pro or 3rd-generation Apple iPods. Valid till 29 May 2022. T&Cs apply.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. Please note that the prices shown are before discount.

How to make a claim 

You may submit your claims directly to Etiqa using their online portal. Here are the steps to follow: 

Submitting claims for Tiq Travel Insurance

  • Go to https://www.etiqa.com.sg/claims/submit-claims/ 
  • Login to TiqConnect to submit your claims online. If you do not have an account, you may sign up instantly using this link. Note that only policyowners can do so.
  • Follow the on-screen prompts to complete and submit your claims.
  • For alternate submission channels, or if you require further assistance, please call the Customer Care hotline at 6887 8777

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By Alevin Chan
An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


Alevin Chan May 9, 2022 88089