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MSIG Travel Insurance Review (2024)

Last updated 22 August 2023
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Best in the market for: Overall comprehensive coverage, pre-existing medical conditions cover and regular discounts

Whether you’re purchasing Allianz travel insurance, Ergo travel insurance or FWD travel insurance, it always goes back to the basics of knowing if you’re sufficiently covered.

In this article, we’ll deep-dive into MSIG’s travel insurance to find out if it could be the best plan for your upcoming trip!

MSIG features three tiers of travel insurance plans in each category (TravelEasy and TravelEasy Pre-Ex) to cater for different levels of coverage for all kinds of travel destinations and trip durations. Prices start from as low as $22.


Product Summary

MSIG Travel Insurance offers a wide range of travel insurance plans and is one of the few insurers offering pre-existing conditions coverage. MSIG offers savvy travellers choices that best suit their travel needs. The Standard plan is a no-frills package for budget conscious individuals, or travellers who already have other personal insurance plans. The Elite and Premier plans cater to travellers who want more comprehensive coverage and those who are travelling for specific purposes such as a bridal shoot or sporting activities.

MSIG also recognises the needs of travellers with pre-existing conditions via their new TravelEasy Pre-Ex plans.

MSIG Travel Insurance Product Summary
Pre-existing Medical Conditions Cover
MSIG offers travel insurance (Single Trip) for travellers with pre-existing medical conditions under TravelEasy Pre-Ex Plans.
Emergency Medical Evacuation
Covers up to a maximum limit of $1,000,000.
Public Transport Double Cover
If the insured person suffers an injury while travelling as a fare-paying passenger on board any public transport outside Singapore during the journey which, within 12 calendar months of its happening, is the only cause of death, the amount MSIG will pay will be double the limit for death provided under “Accidental death and permanent total disability”.
Emergency Dental Expenses
MSIG will pay for emergency dental treatment expenses which were paid outside Singapore/ dental treatment expenses upon return to Singapore (limited to 30 days after the insured person returns to Singapore) to restore healthy and natural teeth or a fractured jaw if a dentist decides this is necessary as a result of an injury suffered by the insured person during the journey outside Singapore.
Maternity-related Overseas Medical Expenses
Covers for medical expenses incurred overseas due to pregnancy-related illnesses such as nausea and dizziness.
Medical and Travel Assistance Services (24 hours)
MSIG can arrange the required worldwide medical and travel assistance services through its appointed assistance company to help the insured person in any emergency during their journey outside Singapore.

Exclusions

Medical Exclusions
Trip Inconvenience and Sports Exclusions
Pre-existing conditions, unless you purchased TravelEasy Pre-Ex Plan War and terrorism exclusion
Childbirth/pregnancy-related complications     Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons exclusion
Dental and medical treatment claims not classified as Medically Necessary     Damage or breakage of sports equipment while in use
Travelling against medical advice     No benefit claimable for losses of customer loyalty points used to pay for any part of your trip
Travelling for seeking medical treatment    

Items taken/ destroyed by customs or other officials


Types of Plans

MSIG Travel Insurance offers savvy travellers with a choice that best suits their travel needs.

  • The Standard Plan is a no-frills package for budget-conscious individuals or individuals who already have other personal insurance.
  • The Elite and Premier Plans cater to travellers who want more comprehensive coverage and those who are travelling for specific purposes like a bridal shoot or sports activities.
  • TravelEasy Pre-Ex Plans are tailored to the unique needs of travellers with pre-existing conditions.

Please read the full list of benefits and exclusions in the policy wording.

Plan Type
Cancellation
Medical Coverage (overseas)
Bags/Belongings
Travel Protect360 Basic
$5,000
$150,000 
$3,000
Travel Protect360 Enhanced
$7,000
$250,000  
 $5,000 
Travel Protect360 Superior $12,000 $500,000   $7,000

 

Lifestyle Cover (only available for Elite and Premier Plans)

Adventurous Activities Cover, Golfer’s Cover, Unused Entertainment Ticket, Rental Vehicle Excess, Returning a Rental Vehicle, Domestic Pets Care and Home Content.
 

TravelEasy Standard Plan

MSIG TravelEasy Standard Plan is ideal for travellers who are looking for bargain deals with no-frills cover. However, note that the Standard Plan excludes some benefits:
  • Maternity Medical Expenses Overseas
  • Overseas ICU Hospitalisation Daily Benefit
  • Wedding Clothing and Accessories
  • Fraudulent Use of Credit Card
  • Credit Card Outstanding Balance
  • Legal Expenses for Wrongful Arrest or Detention, etc.
In terms of travel inconveniences, Standard Plan offers a maximum benefit limit of $600 for baggage delay (at $150 for every six hours of baggage delay). Personal accident coverage is at $150,000. For more details, please read the list of exclusions in policy wording.
 

TravelEasy Elite Plan

Choose TravelEasy Elite Plan if you plan to drive and rent a vehicle for a road trip, are planning for an adventurous/ golf activity or are travelling for a wedding shoot. This plan offers Vehicle Rental Excess Cover capped at $1,000, Adventurous Activities Cover/ Golfer’s Cover as well as a separate benefit for Wedding Clothing and Accessories. In terms of baggage delay, the benefit limit is capped at $1,000 (at $200 for every six hours of baggage delay). Personal accident coverage is at $200,000.
 

TravelEasy Premier Plan

TravelEasy Premier Plan is the one with the highest limit out of the three types of plans, it also offers Lifestyle Covers as well as some of the additional benefits (which are not available on Standard Plan). The car rental excess cover is capped at $1,500, baggage delay benefit limit is capped at $1,500 (at $250 for every six hours of baggage delay) and personal accident coverage is capped at $500,000.
 

TravelEasy Pre-Ex Benefit

This is the extension of the three plans above (with additional premiums) to cover for claims relating to an acute onset of a pre-existing medical condition during your trip overseas. Under Pre-Ex critical care, coverage for overseas medical expenses (pre-existing condition) is at $75,000, $100,000 and $150,000 for Standard, Elite and Premier plan respectively. There is also a sub-limit of up to $200,000 for emergency medical evacuation and repatriation.
 

Pros and Cons List

Pros
Cons
  • Unlimited emergency medical evacuation (across all Plans)
  • Unlimited repatriation of mortal remains (across all Plans)
  • Loss of home content due to burglary
  • Exclusions on a variety of adventurous activities
  • No benefit payable for preexisting conditions
  • No coverage for acts of terrorism

 


Pricing

We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. 

Basic Plan

  TravelEasy Standard Plan    Industry Basic Plan Average
1 week ASEAN $26 $26
1 week Asia $32 $32
1 week Worldwide $46 $46
Annual ASEAN $180 $149
Annual Asia $216 $208
Annual Worldwide $308 $282

 

Mid-Tier Plan

  TravelEasy Elite Plan Industry Mid-Tier Plan Average
1 week ASEAN $35 $33
1 week Asia $43 $41
1 week Worldwide $58 $59
Annual ASEAN $248 $206
Annual Asia $280 $242
Annual Worldwide $388 $332

 

Top Shelf Plan

  TravelEasy Premier Plan Industry Top Shelf Plan Average
1 week ASEAN $49 $47
1 week Asia $61 $58
1 week Worldwide $80 $80
Annual ASEAN $348 $269
Annual Asia $384 $310
Annual Worldwide $520 $430

 

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Get up to 40% off when you buy NOW! Valid till 30 April 2024. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.


How to Claim

Submit claims through these MSIG channels:

Claims Hotline: 6827 7660

Email: claims@sg.msig-asia.com

Website: Submit your claim

MSIG Assist 24-hour hotline: +65 6323 8288

Address: 4 Shenton Way #21-01 SGX Centre 2, Singapore 068807  


Frequently Asked Questions (FAQs)

Is it compulsory to get travel insurance?

expand_more

Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.

Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.

Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.

Who is the best insurer to get travel insurance with?

expand_more

There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.

Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.

How to buy travel insurance in Singapore?

expand_more

You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.

You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.

What is usually covered by travel insurance?

expand_more

Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.

However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.

Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.

How late can you buy travel insurance?

expand_more

There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.

However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).

Can I claim for medical expenses in Singapore after returning from my trip?

expand_more

Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.

Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.

Do I need COVID-19 coverage?

expand_more

Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.

You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.

Can elderly above 70 years old and above purchase travel insurance?

expand_more

It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.

However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.


Looking for travel insurance deals?

 

We’ve got no lack of exclusive promotions to help you save even more!


Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.


Read these next:

5 Best Ways To Shop for Travel Insurance

Will My Travel Insurance Cover COVID-19?

How Different Will Travel Be Post COVID-19?

What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough?

If I Get COVID-19, What Will I Need To Pay?

Singapore Budget 2023 Live Coverage: Key Highlights


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FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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