Why choose Tiq Travel Insurance
Tiq Travel Insurance combines flexible plan options with convenient automated claims features and strong COVID-19 coverage. Its 24/7 global assistance and user-friendly digital platform make it ideal for modern travellers seeking peace of mind and hassle-free experience.
Tiq Travel Insurance coverage details
Comprehensive COVID-19 coverage
- Trip cancellation or curtailment if diagnosed or quarantined for COVID-19
- Overseas medical expenses including hospitalisation and treatment related to COVID-19
- Emergency evacuation and repatriation for COVID-19 cases
- Daily overseas quarantine allowance for mandatory isolation
Overseas medical expenses
- Medical coverage: Entry S$200,000 | Savvy S$500,000 | Luxury S$1,000,000
- Includes hospitalisation allowance up to S$20,000 (Luxury plan)
Emergency medical evacuation and repatriation
- Full coverage for emergency evacuation to nearest suitable hospital
- Repatriation to Singapore if medically necessary
- 24/7 global support and assistance available
Travel cancellation and postponement
- Coverage up to S$10,000 for non-refundable trip costs due to covered events
- Covers illness, death in family, natural disasters, and insolvency of travel operators
Insolvency of licensed travel operators
- Reimbursement for prepaid travel costs if operators become insolvent
Replacement traveller reimbursement
- One-time replacement traveller option if the insured cannot travel (subject to plan terms)
Optional add-on coverage
Traditional Chinese Medicine (TCM) expenses
- Reimbursement for TCM treatments overseas including acupuncture and herbal medicine (subject to plan)
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 the insured is overseas (subject to plan)
Pros and cons of Tiq Travel Insurance
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Tiq Travel Insurance compared to other insurance providers
| Provider | Best for | Medical coverage (overseas) | Medical coverage (local) | Trip cancellation | Loss of baggage | Premium (Annual) |
| Tiq Travel Entry (Annual) | Budget-conscious, digital-first | S$200,000 | S$0 | S$5,000 | S$2,000 | S$332.71 |
| MSIG Standard Plan (Annual) | Balanced coverage | S$250,000 | S$25,000 | S$5,000 | S$3,000 | S$247.50 |
| Singlife Travel Lite (Annual) | Affordable short trip | S$250,000 | S$6,000 | S$5,000 | S$3,000 | S$228.48 |
| HLAS Travel Protect360 Basic | Basic family travel protection | S$150,000 | S$600 | S$5,000 | S$3,000 | S$316.00 |
*All calculations are based on an annual trip, worldwide, 1 year for 1 adult.
Tiq Travel Entry stands out with competitive overseas medical and trip cancellation coverage, complemented by its digital-first features, although it offers no local medical coverage on the entry tier.
How to claim
- Download and complete the claim form from Tiq’s official website
- Attach supporting documents (itinerary, medical reports, receipts)
- Submit claims online or via email within 30 days
- Track claim status and receive reimbursement via bank transfer
Frequently asked questions about Tiq Travel Insurance
Can I purchase Tiq by Etiqa Travel Insurance if I am already overseas?
You may purchase Tiq Travel Insurance anytime, but you must buy the policy before the start of your trip while you are still in Singapore, before departing abroad. Coverage does not begin if you buy the policy after you have already left Singapore.
What is the cancellation policy for Tiq by Etiqa Travel Insurance?
You can cancel your Tiq policy by providing a seven-day written notice before the expiry of the policy. Tiq may also cancel with a 30-day notice. Automatic cancellation occurs in certain circumstances such as death of the insured or after a significant payout.
What is the refund policy for Tiq by Etiqa Travel Insurance?
For single-trip policies, a full refund of the premium is given if cancelled before the insurance period starts. No refunds are available once coverage has begun. Annual multi-trip policies are eligible for prorated refunds based on the unused portion of the policy, provided no claims have been made and the refund amount is over S$20.
Can I extend my Tiq by Etiqa Travel Insurance policy while I am already overseas?
Typically, extensions to Tiq policies must be made before your original coverage expires and are generally arranged while the insured is still in Singapore. Extending coverage once you are already overseas is not standard and should be confirmed with Tiq’s customer service directly.
Which countries are excluded from Tiq by Etiqa Travel Insurance coverage?
Certain high-risk or politically unstable countries may be excluded from coverage. Specific excluded countries vary by policy version and are detailed in the policy wording documents. It is advised to review the policy terms or contact customer support for an updated list of excluded countries before traveling.
What does "Cancel For Any Reason" mean and what does it cover in Tiq by Etiqa Travel Insurance?
"Cancel For Any Reason" is an optional benefit that allows policyholders to cancel their trip and receive reimbursement for non-refundable prepaid trip costs, regardless of the reason for cancellation. This provides enhanced flexibility for travelers who want broader protection beyond standard covered reasons.
What is excluded from the "Cancel For Any Reason" optional benefit in Tiq by Etiqa Travel Insurance?
The "Cancel For Any Reason" benefit typically excludes cancellations due to reasons that were known before the policy was purchased or those caused by pre-existing conditions unless specifically covered. Certain events like natural disasters, war, and government advisories may also be excluded or covered under different policy sections. The exact exclusions are detailed in the policy documents and should be reviewed carefully.
Related pages
Unsure if Tiq Travel Insurance is the best fit for you? Explore other travel insurance providers in Singapore:
- AIG Travel Insurance Singapore
- Allied World Travel Insurance Singapore
- Direct Asia Travel Insurance Singapore
- Great Eastern Travel Insurance Singapore
- HL Assurance Travel Insurance Singapore
- MSIG Travel Insurance Singapore
- Seedly Travel Insurance Singapore
- Singlife Travel Insurance Singapore
- Sompo Travel Insurance Singapore
- Starr Travel Insurance Singapore
- Tokio Marine Travel Insurance Singapore
