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Etiqa Tiq Travel Insurance

Etiqa Tiq Travel Insurance offers reliable deals at budget-friendly pricing, to suit individual needs and budget, with pricing starting from as low as $6 at times of promotion! To cater for travellers with pre-existing medical conditions, Etiqa also recently launched its Pre-Ex Plans.


Exclusive: Get $5 payNow when you purchase NOW!
Pros
  • Pre-existing medical conditions cover available(under Pre-Ex Plans)
  • Leisure activities cover, for activities such as hot air balloon ride, parachuting, sky-diving, bungee jumping, hang-gliding, paragliding, and non-competitive winter sports
  • Emergency evacuation cover/ repatriation up to $1,800,000
Cons
  • No compensation for any air miles, holiday points, membership or credit card redemption the Insured Person(s) used to pay for all or part of the trip
  • No cover for Extreme Sports
  • Baggage delay benefit is constant at $100 per 6 hours, capped at $200 limit, regardless of Plan type
Etiqa TIQ offers affordable deals to suit budget conscious travellers. It also covers a range of choices from single trip, annual multi-trip plans, individual, married or family coverage as well as entry to luxury-level type of benefits.
Summary of Product
Pre-existing Medical Conditions Cover
Etiqa offers travel insurance for travellers with pre-existing medical conditions under Pre-Ex Plans (Pre-Ex Entry, Pre-Ex Savvy, Pre-Ex Luxury).
Emergency Medical Evacuation/ Repatriation
Combined benefit limit of up to $1,800,000 (for both Non Pre-Ex and Pre-Ex Luxury Plan).
24-hour Worldwide Emergency Travel Support
This support is provided by Allianz Global Assistance at (+65) 6327 2215.
Claims
Hassle-free and immediate travel claims encashment via PayNow.
Flight Delay Benefits
Automated flight delay benefit claims and instant payout (with just 3 hours of consecutive delay).
Leisure Activities Cover
This includes hot air balloon ride, parachuting, sky-diving, bungee jumping, hanggliding, paragliding, and non-competitive winter sports. However, do note that there is no cover for Extreme Sports.

Table of Content

Exclusions

Exclusions Exclusions
Any pre-existing conditions (unless You are insured under a Pre-Ex Plan) No compensation for any air miles, holiday points, membership or credit card redemption the Insured Person(s) use to pay for all or part of the trip.
Travelling when medically unfit/ Travelling against Medical Practitioner’s advice/ Travelling for purpose of seeking medical advice Travelling against advice of regulatory authorities/ Travelling to a country at war
Childbirth/pregnancy-related complications Loss/ damages covered by other insurance
Dental treatment claims not classified as Medically Necessary Participation in sports activities as a professional or for financial reward
Intoxication by alcohol/ nonprescribed drugs or medications War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power

Types of Plan

Etiqa features three tiers of comprehensive travel insurance plans to cater for different levels of coverage: Entry, Savvy, Luxury. These 3 tiers of plans are available for both Non Pre-Ex and Pre-Ex coverage. Please read the full list of benefits and exclusions in the policy wording for more details.
Plan Type Cancellation Medical Coverage (Overseas) Bags/Belongings
Entry $5,000 $200,000 $2,000
Savvy $5,000 $500,000 $2,000
Luxury $10,000 $1,000,000 $3,000
Add-Ons:Child Education Cover, Rental Car Excess Cover, Pet Hotel Cover, Sports Equipment Protector
Etiqa TIQ Entry Plan
Etiqa TIQ EntryPlan, with its near unbeatable low pricing (especially during discounts/ flash sales), is good for bargain hunters. In terms of travel inconveniences, Entry Plan offers a benefit limit of $200 for baggage delay (at $100 for every six hours of baggage delay overseas). Personal accident coverage is at $150,000.
Etiqa TIQ Savvy Plan
Savvy Plan is a good buy for travellers who are looking for affordable pricing with decent coverage. In terms of baggage delay, the benefit limit is still capped at $200 (at $100 for every six hours of baggage delay). Personal accident coverage is at $300,000.
Etiqa TIQ Luxury Plan
Luxury Plan is the one with the highest limit out of the three types of plan, medical coverage at $1,000,000. Baggage delay benefit limit is still capped at $200 (at $100 for every six hours of baggage delay) and personal accident coverage is at $500,000. Etiqa Luxury Plan is good for travellers who want a cheap price with a relatively decent amount of coverage.
Pre-Ex Benefits (Under Pre-Ex Plans)
You can also choose to cover for pre-existing conditions (at extra premium) - Extension for pre-existing medical expenses incurred overseas of up to $150,000, overseas hospital income up to $20,000 ($200 per 24hrs) and also up to $250,000 for emergency medical evacuation and repatriation of mortal remains to Singapore. With TIQ, you can purchase a Pre-Ex plan together with a non Pre-Ex plan (mix and match the plans under Single Trip Married Couple/ Group Plans), which makes the application super convenient (most Pre-Ex plans has to be purchased as an individual plan on the market).

Pricing

We will look at pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. Do note that the comparison here is not inclusive of the Pre-Ex Plans. Prices are before any discounts. Do keep a lookout as Etiqa offers regular discounts of up to more than 50%, which makes the plans even more attractive. We recommend TIQ Plans for their budget-friendly pricing!
Basic Plan
TIQ Entry Plan Industry Basic Plan Averages
1 week ASEAN $21 $26
1 week Asia $23 $32
1 week Worldwide $35 $46
Annual ASEAN $133 $149
Annual Asia $141 $208
Annual Worldwide $177 $282
Mid-tier Plan
TIQ Savvy Plan Industry Mid-tier Plan Averages
1 week ASEAN $29 $33
1 week Asia $36 41
1 week Worldwide $46 $59
Annual ASEAN $190 $206
Annual Asia $196 $242
Annual Worldwide $286 $332
Top Shelf Plan
TIQ Luxury Plan Industry Top Shelf Plan Averages
1 week ASEAN $39 $47
1 week Asia $46 $58
1 week Worldwide $58 $80
Annual ASEAN $209 $269
Annual Asia $221 $310
Annual Worldwide $319 $430

How to Claim

Customer Care Hotline: +65-6887-8777
Whatsapp (Claim Enquiry): +65 8677 8780
Website: Click here to access claims portal
24-hour Worldwide Emergency Travel Support: (+65) 6327 2215
Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2019 or use our travel insurance comparison tool.