Etiqa Tiq Travel Insurance Review (2020)
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.
Promotion:
- Single Trips (Non-Pre-Ex) gets 45% discount off!
- Annual multi-trip plan gets 5% discount off!
Promotion:
- Single Trips (Non-Pre-Ex) gets 45% discount off!
- Annual multi-trip plan gets 5% discount off!
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 |
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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).
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Emergency Medical Evacuation/ Repatriation
Combined benefit limit of up to $1,800,000 (for both Non Pre-Ex and Pre-Ex Luxury Plan).
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24-hour Worldwide Emergency Travel Support
This support is provided by Allianz Global Assistance at (+65) 6327 2215.
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Claims
Hassle-free and immediate travel claims encashment via PayNow.
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Flight Delay Benefits
Automated flight delay benefit claims and instant payout (with just 3 hours of
consecutive delay).
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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.
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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.
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. 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 6887 8777
Website: Click here to access claims portal
24-hour Worldwide Emergency Travel Support: (+65) 6327 2215
Whatsapp (Claim Enquiry): +65 6887 8777
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 2020 or use our travel insurance comparison tool.
