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MSIG Travel Insurance Singapore Review 2019

Best for: Overall comprehensive coverage, Pre-existing medical conditions cover and regular MSIG 60% discounts.
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 $12.

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Pros:
  • Pre-existing Medical Condition Cover available (under TravelEasy Pre-Ex Plans)
  • Public Transport Double Cover, Adventurous Activities Benefit (for Elite and Premier Plans)
  • Wedding Clothing and Accessories, Fraudulent Use of Credit Card, Credit Card Benefit Outstanding Balance (for Elite and Premier Plans)
Cons:
  • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
  • Standard Plan (TravelEasy) does not cover certain sub-category of benefits; please refer to the policy document
  • Adventurous Activities/ Golfer’s Cover (not covered under Standard Plan)

Types of Plan

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
Standard $5,000 $250,000 $3,000
Elite $10,000 $500,000 $5,000
Premier $15,000 $1,000,000 $7,500

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.

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

Pricing

Basic Plan
TravelEasy Standard Plan Industry Basic Plan Averages
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 Averages
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 Averages
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

How to Claim

Submit claims through these MSIG channels:
Claims Hotline: 6827 7660
Email: claims@sg.msig-asia.com
MSIG Assist 24-hour hotline: +65 6323 8288
Address: 4 Shenton Way #21-01 SGX Centre 2, Singapore 068807  
 
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.

Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2019 or use our travel insurance comparison tool.