Best MSIG Travel Insurance in Singapore

Review of MSIG Travel Insurance Singapore 2025

MSIG Insurance (Singapore) Pte. Ltd., a subsidiary of MSI and a member of the MS and AD Insurance Group, is one of the few insurers in Singapore that offers travel insurance coverage for pre-existing conditions. MSIG travel plans comprise of the TravelEasy Standard, TravelEasy Elite, and TravelEasy Premier categories, with its TravelEasy Pre-Ex® benefits provided as an add-on option.

Other highlights of its TravelEasy® plans include COVID-19 travel insurance coverage, overseas and post-trip medical expenses, extreme sports coverage, replacement of traveller coverage, coverage for insolvency of licensed travel operator, emergency medical evacuation, delayed departure and more. Moreover, there is no upper age limit to qualify to apply for their TravelEasy® plans coverage, which may make it more suitable for older travellers and those who suffer from pre-existing medical conditions.

If you are still deciding whether to get covered by MSIG, here’s a review of their range of products and services which may come in handy to help you make a decision.

COVID-19 coverage

If you’re diagnosed with COVID-19 and tested positive from a COVID-19 diagnostic test done within the first 90 days of the trip, you can get coverage for up to $500,000 (Premier plan), $330,000 (Elite Plan) or $170,000 (Standard plan) in COVID-19 related overseas medical expenses incurred during your trip, as well as emergency medical evacuation and repatriation.

Any trip cancellation/postponement coverage due to your COVID-19 condition or situation will be up to $7,500 (Premier plan), $5,000 (Elite plan) or $2,000 (Standard plan).

TravelEasy Pre-Ex®

Known for its pre-existing conditions coverage benefit, TravelEasy Pre-Ex® is an add-on option which features over 50 benefits that also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip. On top of that, there is no upper age limit to qualify for this add-on option.

24/7 Emergency helpline

Whether you’re in need of medical advice, help in booking appointments for your critical medical condition or emergency medical evacuation and repatriation, MSIG’s 24-hour emergency helpline is available for you round-the-clock. All you need to do is call +65 6323 8288 and help will be on the way.

Terrorism coverage

This safety cover allows you to claim for any interruption or cancellation to your trip resulting from hijacking of public transport, kidnap and hostage, or passive war that causes accidental death and permanent total disability. However, this coverage excludes claims for losses arising from use of nuclear, chemical and biological substances due to any terrorist events.

Extreme sports coverage

While some insurers do not provide coverage for extreme sports, MSIG is known to insure a wide range of extreme sports including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, and more, if you purchase either its Elite or Premium plan.

mConnect app

MSIG’s mobile app — mConnect, makes purchasing of travel insurance plans and submitting of claims a hassle-free experience. You can access your travel insurance policy anywhere at any time, renew your policies, submit your claims, and reach MSIG’s 24-hour emergency helpline team when you need them.

Pros and Cons of MSIG Travel Insurance

Pros

Convenient travel insurance purchase and claims submission
COVID-19 coverage
Coverage for pre-existing conditions
Cover against acts of terrorism
24/7 emergency assistance
Coverage for emergency medical evacuation and repatriation
Cover a wide range of extreme sports
Cruise and golf coverage
Trip interruption or cancellation coverage
Liability for harm or damage you accidentally cause
Automatic extension of COVID-19 coverage coverage for all Single Trip plans
No exclusion of countries around the world

Cons

No unlimited coverage for emergency medical evacuation and repatriation
No pre-existing coverage for long-haul trips
No coverage for trip inconveniences due to pre-existing conditions

TravelEasy® Standard

Benefits include:

Up to $250,000 Medical Coverage
Up to $5,000 Trip Cancellation Coverage
Up to $3,000 of Reimbursement for Loss/Damage of Baggage
$32 Premium

At the first level of cover, TravelEasy® Standard offers coverage for all the fundamental aspects including overseas medical expenses, emergency dental expenses, daily hospital expenses benefit of $200 per day, post-trip medical expenses, automatic extension of cover public transport delay or bodily injury/illness, flight diversion, trip cancellation and postponement, replacement of traveller, and more.

TravelEasy® Elite

Benefits include:

Up to $500,000 Medical Coverage
Up to $10,000 Trip Cancellation Coverage
Up to $5,000 of Reimbursement for Loss/Damage of Baggage
$44 Premium

TravelEasy® Elite is the next higher-end option that would insure you for a lot more including rental vehicle excess, home contents, domestic pet care, family assistance and child education grant benefits for personal accidents. And if you are into extreme sports while traveling, you’ll be covered for a wide range of extreme sports including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, and more.

TravelEasy® Premier

Benefits include:

Up to $1,000,000 Medical Coverage
Up to $15,000 Trip Cancellation Coverage
Up to $7,500 of Reimbursement for Loss/Damage of Baggage
$62 Premium

The most comprehensive of all its plans, the TravelEasy® Premier, covers you for similar components as the Elite plan, just that the claim limit is double the amount or higher. For those who are traveling as a family, this may be a suitable plan as the overseas medical coverage is up to $2,600,000, one of the highest in the market.

MSIG Travel Insurance Add-ons

TravelEasy Pre-Ex®

Not many insurers out there provide coverage for pre-existing medical conditions, but MSIG stands out from the competition as it offers TravelEasy Pre-Ex® as an add-on option for single trip and individual plans, which features over 50 benefits that also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip.

So for whatever pre-existing medical condition you have, you’ll be entitled to in-patient hospitalisation expenses overseas coverage of up to $150,000 that allows you to claim for medical, surgical, nursing or hospital charges, as well as up to $200,000 of emergency medical evacuation and repatriation coverage. If you’re above 60, you do not have to worry about your eligibility for this add-on as there is no upper age limit to qualify for it. As for the premium rates of this add-on to the Standard, Elite and Premier plans, you may refer to MSIG’s TravelEasy Pre-Ex® brochure for more details.

Comparing The Coverage Of The Best Travel Insurance In Singapore

Insurance Provider	Best For	Medical Coverage (Overseas)	Trip Cancellation Coverage	Baggage Damage or Loss	Premium
AIG	Emergency travel assistance services	S$200,000	S$5,000	S$3,000	From S$43
Allianz	Emergency transportation (Includes COVID-19 Coverage)	S$200,000	S$1,500	S$1,000	From S$37
Bubblegum	Overall good value	S$150,000	S$5,000	S$3,000	From S$31
DirectAsia	"Kids travel with free coverage" benefit (Families)	S$150,000	S$3,000	S$1,000	From S$25
FWD	Lower premiums	S$200,000	S$7,500	S$3,000	From S$20
Great Eastern	Coverage for sports and adventurous activities	S$300,000	S$10,000	S$5,000	From S$51
Hong Leong Assurance	No claim discount	S$150,000	S$5,000	S$3,000	From S$42
Income	Post-departure purchase up to a day of departure	S$250,000	S$5,000	S$3,000	From S$43
MSIG	Comprehensive coverage (includes pre-existing conditions)	S$250,000	S$5,000	S$3,000	From S$38
Singlife	High or unlimited overseas medical coverage	S$250,000	S$5,000	S$3,000	From S$29
Sompo	Specially tailored plan for Japan trips	S$200,000	S$5,000	S$1,000	From S$36
Starr	Cruise coverage	S$200,000	S$5,000	S$3,000	From S$25
The Wise Traveller	Annual trips and membership programmes	S$480,000	S$13,500	S$13,500	From S$306
Tiq	Auto-pay out and higher efficiency for flight delays	S$200,000	S$5,000	S$2,000	From S$21
Zurich	Complimentary lounge access for flight delays	S$50,000	S$2,500	S$2,000	From S$14
UOI	Extensive coverage including COVID-19	S$100,000	S$3,000	S$1,000	From S$18
Singtel	Covers adventurous leisure activities	S$150,000	S$5,000	S$3,000	From S$16

Step 1

Notify MSIG

Be it a claim for your scuba diving incident, COVID-19 medical expenses or damaged baggage, MSIG requires claim reports to be made via the MSIG SG app or their claims hotline at +65 6827 7660 (8.45am to 5.30 pm, Mondays to Fridays except Public Holidays).

Step 2

Get all the required documentation ready

To make the process easier and faster, you’ll need to know what to provide to MSIG for the assessment of your claim or claims. This include:

NRIC or FIN No. and other personal information
Medical reports and related evidence in the form of photos and/or emails
Proof of ownership of baggage or other related items
Original invoices and receipts
Trip invoices, ticket confrontation, boarding passes, photocopy of passport and visas
Police, airline, transport and accommodation reports

Step 3

Receipt of claim acknowledgement

Once you’ve submitted all the documents required via the mConnect app or MSIG’s online claims portal, you will receive a claim acknowledgement, before MSIG proceeds to review and settle your claim, which usually takes about 2 to 3 weeks.

Step 4

Settlement of payment

Look out for your claims payment made through your preferred FAST or PayNow payment options.

More Things To Know

MSIG Travel Insurance Refunds & Cancellations

At any point you decide to cancel your policy, you will be entitled to a refund of travel insurance premium only if you have not made any claims under the policy and your trip has not commenced. The refund premium is calculated by taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.

MSIG Travel Insurance Hotline

Call +65 6827 7602 for general enquiries (8.45 am to 5.30pm on weekdays) or +65 6323 8288 for emergency assistance (24/7). Alternatively, email MSIG at [email protected].

Frequently Asked Questions

What are the coverage differences between TravelEasy Pre-Ex and the regular TravelEasy plans?

If you are insured under the TravelEasy Pre-Ex policy, you’ll be covered for all the regular TravelEasy insurance benefits, including pre-existing medical conditions under the "Pre-Ex Critical Care" benefit. Claims not relating to pre-existing medical conditions are covered under Section 1 to 51 of TravelEasy Pre-Ex benefits such as loss of baggage, travel delays, and travel operators' insolvency. TravelEasy Pre-Ex policy only covers trips up to 30 days, and extensions are not permitted.

Do TravelEasy plans cover flight delays?

Yes, all plans cover delayed flight departures, paying you a benefit for every 6 hours of delay or expenses for alternative travel arrangements, depending on which plan you purchase.

Am I covered for medical expenses if I am diagnosed with COVID-19 while overseas?

If you are diagnosed with COVID-19 while overseas within the first 90 days of the trip, medical expenses will be covered for up to 45 days from the date you first receive treatment. You must submit documentary proof showing the date you have taken the COVID-19 test and was diagnosed positive.

Will I be able to claim for travel cancellation or travel postponement costs if I am diagnosed with COVID-19 in Singapore?

You will be covered if you are diagnosed with COVID-19 or are quarantined or isolated by local authority due to suspected or confirmed infection of COVID-19, all of which must take place within 30 days before the start of the journey. However, you will not be able to claim if the above occurs within 14 days from the purchase of the policy.

Am I eligible for MSIG’s TravelEasy COVID-19 cover?

As long as you do not have a pre-existing medical condition and fulfill all the conditions below:

You are not travelling against any travel advisory issued by the Singapore government.
You must comply with all requirements and advice put in place by the Singapore and relevant overseas governments, transport and accommodation providers relating to measures for minimising the risk and spread of COVID-19, including but not limited to pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary.
During the trip, you do not knowingly stay with any person who is having or suspected to be having a COVID-19 infection, and/or is undergoing isolation or quarantine.

If there are changes to the travel advisory during my travel, am I covered with COVID-19?

Yes, you will be covered under Section 6 - Overseas medical expenses, Section 16- Emergency medical evacuation and repatriation and Section 15- Medical and travel assistance service subject to the terms and conditions applicable to COVID-19 Cover.

If I did not seek medical treatment for an injury or illness during my overseas travel, can l claim for medical expenses incurred in Singapore after returning to Singapore?

Yes, provided it is not a pre-existing condition, and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore.

Does MSIG’s travel insurance cover terrorism?

Yes. Any interruption or cancellation to your trip resulting from acts of terrorism such as hijacking of public transport, kidnap and hostage, or passive war that causes accidental death and permanent total disability, is covered by all MSIG travel insurance plans. However, this coverage excludes claims for losses arising from use of nuclear, chemical and biological substances due to any terrorist events.

What if my baggage is damaged/lost/delayed, will I be covered?

You’ll receive a lump sum payment for every 6 hours of baggage delay, up to a maximum of $3,000. As for damage or loss of baggage, there is a claim limit of $500 per article, pair or set of items and $1,000 for each laptop computer.

Does TravelEasy provide cover for cruise travels?

Yes, TravelEasy covers you for your cruise trip from and return to Singapore. For a cruise itinerary with destinations listed, please buy according to the destination within the geographical area. For cruise itinerary to nowhere, i.e. the cruise is not making any stopover at any port/country, you can purchase the trip under geographical Area A.

Are there any countries excluded from MSIG’s cover?

All countries are covered unless expressly excluded.

Can I extend the period of cover if I decide to extend my trip whilst overseas?

Extension of the travel insurance period of cover is permitted midway during travel and applied during the period of travel insured, provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. You can call MSIG Assist 24-hour hotline to request for the period extension.

Buy MSIG Travel Insurance in Singapore 2025 | Up to 60% OFF

Refine Your Results

S$14.83

MSIG TravelEasy Standard

S$68

MSIG TravelEasy Pre-Ex Premier

S$31.82

MSIG TravelEasy Premier

S$10.10

MSIG TravelEasy Lite

S$22.57

MSIG TravelEasy Elite

S$38

MSIG TravelEasy Pre-Ex Standard

S$50

MSIG TravelEasy Pre-Ex Elite

Review of MSIG Travel Insurance Singapore 2025

MSIG’s COVID-19 coverage and other key benefits

COVID-19 coverage

TravelEasy Pre-Ex®

24/7 Emergency helpline

Terrorism coverage

Extreme sports coverage

mConnect app

Pros and Cons of MSIG Travel Insurance

Pros

Cons

Is MSIG travel insurance worth your money?

Types of MSIG Travel Insurance Plans

MSIG Travel Insurance Add-ons

TravelEasy Pre-Ex®

Comparing The Coverage Of The Best Travel Insurance In Singapore

MSIG Travel Insurance Claims

Notify MSIG

Get all the required documentation ready

Receipt of claim acknowledgement

Settlement of payment

More Things To Know

MSIG Travel Insurance Refunds & Cancellations

MSIG Travel Insurance Hotline

Frequently Asked Questions

What are the coverage differences between TravelEasy Pre-Ex and the regular TravelEasy plans?

Do TravelEasy plans cover flight delays?

Am I covered for medical expenses if I am diagnosed with COVID-19 while overseas?

Will I be able to claim for travel cancellation or travel postponement costs if I am diagnosed with COVID-19 in Singapore?

Am I eligible for MSIG’s TravelEasy COVID-19 cover?

If there are changes to the travel advisory during my travel, am I covered with COVID-19?

If I did not seek medical treatment for an injury or illness during my overseas travel, can l claim for medical expenses incurred in Singapore after returning to Singapore?

Does MSIG’s travel insurance cover terrorism?

What if my baggage is damaged/lost/delayed, will I be covered?

Does TravelEasy provide cover for cruise travels?

Are there any countries excluded from MSIG’s cover?

Can I extend the period of cover if I decide to extend my trip whilst overseas?

^S$14.83

^S$68

^S$31.82

^S$10.10

^S$22.57

^S$38

^S$50