Comprehensive Coverage with MSIG Travel Insurance
Updated: 31 Mar 2026
China
MSIG Key Features Coverage
Product | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption |
|---|---|---|---|---|---|---|---|---|---|
MSIG Lite Plan | S$0 | S$100 | S$1000 | S$0 | - | - | - | - | S$300 |
 | S$5000 | S$600 | S$3000 | S$25000 | S$500 | S$750 | S$500 | S$200 | S$1000 |
 | S$10000 | S$1000 | S$5000 | S$50000 | S$1000 | S$1500 | S$750 | S$300 | S$2000 |
 | S$15000 | S$1500 | S$7500 | S$75000 | S$1500 | S$2000 | S$1000 | S$400 | S$3000 |
Frequently asked questions about MSIG Travel Insurance
Why choose MSIG Travel Insurance
MSIG Travel Insurance combines high medical coverage limits with generous trip cancellation protection and broad COVID-19 benefits, making it suitable for travellers seeking peace of mind without overspending. Its flexibility to cover a wide range of leisure and adventurous activities, plus extras like pet care cover and home contents protection, makes it more comprehensive than many basic travel policies.
MSIG Travel Insurance coverage details
Comprehensive COVID-19 coverage
- Trip cancellation or postponement if diagnosed with COVID-19 or placed under quarantine
- Overseas medical expenses for COVID-19 illness, including hospitalisation and prescribed medication
- Emergency evacuation or repatriation if seriously ill with COVID-19
- Daily overseas quarantine allowance
Overseas medical expenses
- Up to S$1 million for hospitalisation, surgery, and outpatient treatment
- Includes emergency dental expenses due to accidents
- Covers prescribed medication and follow-up treatment
Emergency medical evacuation and repatriation
- Full coverage for evacuation to the nearest suitable hospital
- Repatriation to Singapore when medically necessary
- 24/7 global assistance team support
Travel cancellation and postponement
- Up to S$15,000 for non-refundable trip costs under MSIG Premier Plan
- Covers events such as serious illness, death in the family, or natural disasters at the destination
Insolvency of licensed travel operators
- Reimbursement for prepaid travel fares if your Singapore Tourism Board (STB) registered travel agency becomes insolvent
- Applies when the trip is cancelled due to insolvency of an STB-registered operator
Replacement traveller reimbursement
- One-time traveller replacement if the insured cannot travel due to covered events
- Substitute traveller must purchase a new policy
Optional add-on coverage
Traditional Chinese Medicine (TCM) expenses
- Reimbursement for TCM treatments overseas, including acupuncture and herbal medicine
Hospitalisation daily benefit
- Daily cash allowance during overseas hospital stays
Death or permanent disability coverage
- Lump sum payment for accidental death or total permanent disability while overseas
Missed flight connections
- Fixed compensation for missed connections due to delays or cancellations
Personal baggage delay and loss
- Cash allowance for baggage delays beyond a specified time limit
- Coverage for theft, loss, or damage to personal belongings
Home contents cover
- Protection for household contents against fire or burglary while you are overseas
Pros and cons of MSIG Travel Insurance
| Pros | Cons |
|
|
MSIG Travel Insurance compared to other insurance providers
|
Provider |
Best for |
Medical coverage (overseas) |
Medical coverage (local) |
Trip cancellation |
Loss of baggage |
Premium |
|
MSIG Standard Plan (Annual) |
Balanced coverage with extras |
S$250,000 |
S$25,000 |
S$5,000 |
S$3,000 |
S$372.75 |
|
Starr TraveLead Bronze Plan (Annual) |
Budget-conscious travellers seeking essential coverage |
S$200,000 |
S$10,000 |
S$5,000 |
S$3,000 |
S$209.35 |
|
Singlife Travel Lite (Annual) |
Affordable short trips |
S$250,000 |
S$10,000 |
S$5,000 |
S$3,000 |
S$296.64 |
|
HL Assurance |
Family travel |
S$250,000 |
S$15,000 |
S$7,000 |
S$5,000 |
S$316.00 |
*All calculations are based on an annual trip, worldwide, 1 year for 1 adult.
MSIG stands out for its balanced blend of high medical coverage, generous baggage limits, and extra benefits.
How to claim
- 1. Download and complete the MSIG Travel Insurance claim form from their website.
- 2. Attach supporting documents (e.g., medical reports, receipts, police reports).
- 3. Submit the form via email or post within 30 days of the incident.
- 4. Await confirmation and follow up with MSIG for updates.