Compare the Best Tiq by Etiqa Travel Insurance in Singapore

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Coverage Type
Family refers to at most 2 parents (insured person and legal spouse) and children below 18 years of age. Refer to insurer's brochure for specific definition of Family.

Tiq Travel Entry

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage

Medical Coverage (Overseas)

Bags & Belongings Coverage
Lowest price in Singapore guaranteed
S$ 12.60
40% offS$ 21.00

Tiq Travel Savvy

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage

Medical Coverage (Overseas)

Bags & Belongings Coverage
Lowest price in Singapore guaranteed
S$ 20.40
40% offS$ 34.00

Tiq Travel Luxury

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage

Medical Coverage (Overseas)

Bags & Belongings Coverage
Lowest price in Singapore guaranteed
S$ 22.80
40% offS$ 38.00

Table of contents

Etiqa Travel Insurance in Singapore

As a licensed insurer regulated by the Monetary Authority of Singapore, Etiqa has a long-standing history of serving Singaporeans since 1961, showcasing its deep-rooted commitment to offering valuable and effective insurance solutions. With the aim to redefine insurance, Etiqa aims to do so with a commitment to humanising the industry by prioritising people over policies. This approach has led to the creation of Tiq, Etiqa's digital arm, which revolutionises protection and savings solutions with simplicity and convenience at its core. Known for its excellence, today, Tiq by Etiqa is recognised as a leading travel insurance provider in Singapore, consistently delivering products that cater to the needs of the modern traveller. 

Tiq by Etiqa Travel Insurance Review in Singapore

Tiq Travel Insurance covers a wide range of risks and uncertainties that travellers may face during their trip. This includes medical expenses due to accidents or illnesses, trip cancellations or disruption, loss or damage of baggage, and emergency medical evacuations. You may add on additional coverage such as sports equipment protector, rental car excess cover, and pet hotel cover.

Travellers can choose from a variety of Tiq Travel Insurance plans that best suit their needs and budget. These plans range from basic coverage to more comprehensive options with higher limits and additional benefits. The policy can be purchased online through SingSaver, providing convenience to travellers while maintaining affordability.

Overall, Tiq Travel Insurance provides peace of mind for travellers, ensuring they are protected against unexpected events that may occur during their trip.

Tiq by Etiqa Travel Insurance in Singapore: Types of Coverage

Personal Accident Benefits

Personal Accident Benefits provide coverage for accidental injuries resulting in permanent disability or death while travelling. Tiq Travel Insurance offers a range of personal accident benefits such as accidental death, permanent total disability, loss of sight, and impairment of some bodily functions. These benefits provide financial protection against loss of income and out-of-pocket medical expenses, if any.

Medical Expenses Benefits: Incurred Overseas and in Singapore

Tiq Travel Insurance provides coverage for medical expenses incurred, both overseas and in Singapore, for any injury or illness sustained whilst overseas. This coverage includes inpatient and outpatient treatments, medical evacuation, and accidental outpatient treatments. Medical expense coverage can be crucial when travelling, especially if you fall ill or get injured in a foreign country where medical expenses can be very costly.

Hospitalisation Allowance Benefits

Hospital Income Benefits provide a daily cash allowance of S$200 per 24 hours overseas and up to S$100 per 24 hours whilst in Singapore, for each full day you're hospitalised due to an injury or illness incurred overseas. This coverage can provide financial support to cover incidental expenses that may arise during your hospital stay, up to the limit stated in your policy.

Travel Inconvenience Benefits

Travel Inconvenience Benefits cover a wide range of travel-related inconveniences, such as trip cancellation, trip postponement, trip curtailment, missed connections, flight delays or cancellations, flight overbooking, lost or damaged baggage, and bankruptcy of the travel agency. This coverage protects you against the financial losses incurred due to unexpected events during your trip and ensures that you're compensated for any inconvenience caused.

Travel Assistance Benefits

Travel Assistance Benefits cover the costs for emergency medical evacuation and repatriation as a result of injury, illness, or even death sustained whilst overseas. You will only be eligible for compensation should it be medically deemed necessary to move you to a medical facility or back to Singapore to receive the prescribed treatment.

Personal Liability Benefits

Personal Liability Benefits provide coverage for any legal liabilities that may arise due to accidental injury or property damage caused to a third party while travelling. This coverage provides financial support for any legal fees or compensation that you may be required to pay as a result of a liability claim. Do take note that the insured should not promise any form of compensation or admit fault without the insurer's approval.

Special Benefits: Terrorism, Home Contents, Automatic Extension

Tiq Travel Insurance also provides coverage for Special Benefits such as terrorism, home contents, and automatic extension of cover. Terrorism coverage can provide financial support in case of any insured losses due to acts of terrorism while travelling. Home Contents coverage can protect your home while you're away on a trip from fire and burglary, while an automatic extension of coverage provides extended coverage in case of travel delays or other unforeseen circumstances preventing you from returning to Singapore on your scheduled date.

Tiq by Etiqa Travel Insurance in Singapore Benefits

Pre-Ex Plan That Covers Pre-Existing Medical Conditions

When it comes to finding the best travel insurance for pre-existing medical conditions, Tiq Travel Insurance offers several coverage benefits to ensure a hassle-free and safe journey for its policyholders. One of the most notable benefits is the Pre-Ex plan that covers pre-existing medical conditions, such as stroke, asthma, diabetes, epilepsy and more. This means that even if the policyholder has a pre-existing medical condition, they can still be covered by the insurance plan. This feature can provide a sense of security for those who have medical conditions and want to travel without worrying about potential medical expenses.

Cruise to Nowhere Coverage Benefits

Another benefit of Tiq Travel Insurance is its Cruise to Nowhere coverage. This coverage provides protection to policyholders who book a cruise with no scheduled ports of call. The policyholder with travel insurance for cruises will be covered for various unexpected situations that may occur during the cruise, such as trip cancellation, trip curtailment, trip interruption, and medical expenses. This feature is especially important as cruise ships are often isolated from medical facilities and other necessary services.

3-hour Flight Delay Claims Benefit

Tiq Travel Insurance also offers a 3-hour flight delay claims benefit. This means that if a flight is delayed for more than 3 hours, the policyholder can receive a payout for the inconvenience caused. Not to mention, this benefit can be automated! Simply key in your flight details upon purchasing Tiq Travel Insurance, and Tiq will then monitor your scheduled flight.

24-hour Global Emergency Assistance

Tiq Travel Insurance provides 24-hour global emergency assistance. If the policyholder encounters any emergency situation while travelling, such as medical emergencies, lost or stolen documents, or even language barriers, they can contact the 24-hour hotline for assistance. This feature can provide peace of mind to travellers who may find themselves in unfamiliar and potentially dangerous situations.

Tiq by Etiqa Travel Insurance in Singapore Optional Add-on Benefits

Enhancing your travel protection with optional add-ons can tailor your insurance to meet every possible need, ensuring comprehensive coverage even in unforeseen circumstances. Tiq by Etiqa offers a range of add-on benefits and extensions of coverage for pre-existing conditions, allowing travellers to customise their policies for an added layer of security and peace of mind.

COVID-19 Add-On Coverage

Tiq Travel Insurance now provides a new add-on coverage against unexpected and unforeseeable events and expenses related to COVID-19 before, during, and after your trip.

Overseas Medical Expenses

Overseas medical expenses coverage is essential for travellers as it provides coverage for unexpected medical expenses incurred overseas. The coverage includes medical treatment for illnesses and injuries, ambulance services, prescription drugs, and hospitalisation expenses. If a traveller falls ill or suffers an injury while overseas, the overseas medical expenses coverage will provide peace of mind, knowing that the costs are covered.

Emergency Medical Evacuation and Repatriation

This coverage provides assistance in case of an emergency where you require immediate evacuation to the nearest medical facility or repatriation back to Singapore, when deemed medically appropriate and necessary. It covers expenses such as medical transportation and evacuation costs to an overseas medical facility or back to Singapore to seek necessary medical treatment. The coverage also includes repatriation of mortal remains back to Singapore in the unfortunate event of death.

Trip Cancellation, Postponement, or Disruption due to COVID-19

This coverage provides protection against trip cancellations, postponements, or disruptions due to COVID-19, either 14 days before the scheduled departure date or during the trip. The coverage includes reimbursement for non-refundable deposits and other prepaid expenses such as airfares and accommodation. If you need to cancel or postpone your trip due to COVID-19, you will need to provide proof of attempt to seek a refund first and that your request has been denied, before Tiq travel insurance provides reimbursement for your losses.

Overseas Quarantine Allowance

This coverage provides a daily allowance of S$100 for every 24 hours of quarantine if you are required to undergo mandatory quarantine overseas due to COVID-19. The coverage includes reimbursement for daily expenses such as accommodation, meals, and transportation during the quarantine period.

Hospitalisation Benefits in Singapore

This coverage provides reimbursement for medical expenses incurred in Singapore from hospitalisation due to COVID-19 diagnosis whilst overseas. You will receive a lump sum benefit if you are hospitalised within 24 hours from your return to Singapore.

Child Education Cover

This coverage benefit is suitable for travellers with children, providing payment of S$3,000 per legal child up to a maximum of S$15,000, in the unfortunate event that you suffer death due to an accident during your trip. The child need not be on the trip for this benefit to be in effect.

Rental Car Excess Cover

Tiq Travel Insurance offers Rental Car Excess Cover as an optional add-on to its travel insurance policy. This coverage is designed to provide protection against the excess charges that may be imposed by the car rental company. The rental car excess cover offered by Tiq Travel Insurance can cover up to S$1,000 per claim.

Sports Equipment Protector

This add-on coverage option is suitable for travellers who plan to engage in sports or adventurous activities during their trip. This coverage is designed to provide financial assistance for the repair or replacement of sports equipment that may be damaged or lost during the trip. If your sports equipment is damaged, lost, or stolen during the trip, Tiq travel insurance will provide financial assistance for up to S$4,000.

Pet Hotel Cover

Should the insured individual have arranged accommodation for their cat or dog in a kennel, cattery, or pet hotel while on their journey and find themselves unable to retrieve their pet at the pre-arranged time due to a delay exceeding six consecutive hours of their last scheduled public transport return to Singapore, a compensation of $50 will be provided for each complete six-hour period of delay, per insured individual. The total compensation available under this provision is capped at S$1,000.

Tiq Travel Insurance Review

PlanSummary of BenefitsPremium (Before Discount)
Luxury- Overseas medical expenses: S$1,000,000 (In Singapore: S$10,000)- Overseas hospital cash: S$200 per 24 hours, up to S$20,000 (In Singapore: S$100 per 24 hours, up to S$1,500)- Personal accident: S$500,000- Personal liability: S$750,000- Trip cancellation and loss of deposit: S$10,000- Travel postponement: S$1,000- Travel curtailment: S$5,000- Personal effects: S$3,000 (S$250 per article, S$1,000 per laptop)- Baggage delay: S$200 (S$100 per 6 hours)From S$38.00
Savvy- Overseas medical expenses: S$500,000 (In Singapore: S$7,500)- Overseas hospital cash: S$200 per 24 hours, up to S$10,000 (In Singapore: S$100 per 24 hours, up to S$1,000)- Personal accident: S$300,000- Personal liability: S$500,000- Trip cancellation and loss of deposit: S$5,000- Travel postponement: S$500- Travel curtailment: S$3,000- Personal effects: S$2,000 (S$250 per article, S$1,000 per laptop)- Baggage delay: S$200 (S$100 per 6 hours)From S$34.00
Entry- Overseas medical expenses: S$200,000 (In Singapore: not covered)- Overseas hospital cash: S$200 per 24 hours, up to S$5,000 (In Singapore: S$50 per 24 hours, up to S$500)- Personal accident: S$150,000- Personal liability: S$250,000- Trip cancellation and loss of deposit: S$5,000- Travel postponement: S$500- Travel curtailment: S$3,000- Personal effects: S$2,000 (S$250 per article, S$1,000 per laptop)- Baggage delay: S$200 (S$100 per 6 hours)From S$21.00
COVID-19 Add-on (not available for pre-ex plan)- Travel postponement: Up to S$1,500- Trip cancellation and loss of deposit: Up to S$5,000- Overseas medical expenses: Up to S$300,000- Overseas quarantine allowance: Up to S$1,500 (S$100 per 24 hours)- Travel curtailment and disruption: Up to S$5,000- Hospitalisation benefit in Singapore: Up to S$300From S$14.00
Optional Riders- Child education: S$3,000 per child (up to S$15,000)- Rental car excess: Up to S$1,000- Pet hotel cover: S$1,000 (S$50 for every 6 hours)- Pet hotel cover: S$1,000 (S$50 for every 6 hours)Varies depending on the add-on

Tiq Travel Insurance Traveller Type

Tiq Travel Insurance caters to a broad spectrum of travellers, ensuring everyone from solo adventurers to families and groups enjoys comprehensive coverage. Whether you're a Singapore Resident or a Transit Traveller navigating through Singapore, Tiq has tailored options to fit your journey's needs. Transit Travellers, in particular, can enjoy coverage if they're part of a Group Plan, Family Plan, or Married Couple Plan, provided the policy owner is a Singapore Resident and the trip commences and concludes in Singapore.

Types of Travellers covered by Tiq Travel Insurance include:

  • Individuals: Perfect for solo explorers seeking adventures across the globe.
  • Married Couples: Tailored plans that offer peace of mind for both partners on their journeys together.
  • Families: Offering protection for up to 6 adults, ensuring every family trip is safeguarded.
  • Groups: Comprehensive coverage for groups of up to 10 people, making it ideal for friends or extended family travelling together.

Tiq Travel Insurance Trip Type

Single Trip

Tiq Travel Insurance's single trip plans provide coverage for individuals, families, or groups who are planning to take a one-time round trip abroad, not exceeding 182 consecutive days. The coverage period begins from the day you depart from Singapore until the day you return to Singapore.

Annual Multi-Trip

Tiq Travel Insurance's annual trip plans are designed for individuals or families who frequently travel abroad throughout the year. This plan provides coverage for an unlimited number of trips during the policy period of one year with each trip not exceeding 90 consecutive days. Annual trip plans are suitable for those who frequently travel abroad throughout the year as it provides convenience and cost-effectiveness.

Tiq Travel Insurance Refund & Cancellation

Tiq Travel Insurance offers flexible cancellation policies and refunds. Policyholders can cancel their policy by providing a seven-day written notice before its expiry. Automatic cancellation occurs due to the insured's death, loss of eligibility, or after a significant payout. Tiq may also initiate cancellation with a 30-day notice. For single-trip policies, a full refund is provided if cancellation occurs before the insurance period starts. Annual multi-trip policies are also eligible for prorated refunds based on the unused insurance period, given no claims are made and the refund is over S$20, ensuring policyholders receive fair compensation upon cancellation.

Etiqa Travel Insurance Claim Making

Report Your Claim

The first step in making a claim is to report the incident or situation that caused the loss or damage covered by your Tiq travel insurance policy. You can report your claim by calling Tiq's customer service contact number at +65 6887 8777, at TiqConnect (, or through email at When you report your claim, you should provide details of the incident, the date and time it occurred, and any other relevant information. All claims should be reported as soon as reasonably possible but not later than 30 days of the incident.

Prepare All Necessary Documents

To process your claim, Tiq will require you to provide documents that validate your claim. These documents may include, but not limited to, original invoices, receipts, medical certificates, police reports, and travel documents. Depending on the nature of your claim, you may need to provide additional documents. You may contact their customer service team to enquire on all the necessary documentation.

Receive Claims Acknowledgement

Once Tiq receives your claim and all the necessary documents, they will acknowledge receipt of your claim via the TiqConnect claims portal.

Receive Claims Reimbursement

After Tiq has validated your claim and determined that you are eligible for reimbursement, they will process your claim and issue payment. You will receive payment via PayNow. If you prefer to receive your reimbursement into your bank account, you may write in to request for this change through their Customer Service email.

Frequently Asked Questions About Tiq by Etiqa Travel Insurance Review

Who can buy Tiq Travel Insurance?

Tiq Travel Insurance is available for purchase to individuals who are residents of Singapore, including PRs, and foreigners with a valid Work Pass, Long-term Visit Pass, Student Pass, and Dependent's Pass.

Can I purchase Tiq Travel Insurance if I am already overseas?

You may purchase Tiq Travel Insurance anytime. However, you will need to purchase your travel insurance policy before the start of your trip, while you are still in Singapore, before departing for your trip.

Do family members have to travel together under the annual family plan?

No, family members do not have to travel together under the annual family plan. The plan covers the insured person, their spouse, and their dependent children who are under 18 years old or up to 25 years old if they are studying full-time. Each family member can travel separately or together, and the coverage will still apply.

Is there a minimum or maximum age limit for purchasing Tiq Travel Insurance?

The minimum age to qualify for child coverage is 3 months of age and there is no maximum age to qualify for adult coverage.

Does Tiq Travel Insurance cover cruise vacations?

Yes, Tiq Travel Insurance offers coverage for Cruise To Nowhere.

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