Choosing A Travel Insurance That Covers Pre-Existing Conditions In Singapore (2025)
Well, if you currently have a stable medical condition, that shouldn't deter you from travelling. You simply need to choose from a small handful of policies that cover pre-existing conditions.
We asked Singaporeans about flight disruptions, and they answered.
What Are Pre-existing Conditions?
Pre-existing medical conditions are defined as illnesses or injuries that people were aware of before travelling, or were diagnosed with, took medication for, have medical records of, received treatment for or had been asked to get medical treatment for in the past year before their travel date. Examples include asthma, epilepsy, diabetes, high blood pressure, heart diseases and conditions. A majority of travel insurance policies will automatically exclude this if you had medical records of these conditions before you leave Singapore. Hence, it is essential that you first ascertain whether you have these conditions before you travel as this will affect the type of insurance you should purchase.
Why Is Travel Insurance Important If You Have Pre-existing Conditions?
Medical emergencies and emergency medical care are the one thing you do not want during a trip. These unexpected overseas events can be highly stress-inducing, life-endangering, and can translate to expensive medical costs & bills for you or your family members.
Buying travel insurance in Singapore that includes coverage for pre-existing conditions is a necessity because it can offset unforeseen medical costs such as overseas hospitalisation and medical evacuation.
Best Travel Insurance With Coverage For Pre-Existing Conditions
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Travel Insurance That Covers Pre Existing Conditions In Singapore
Best Travel Insurance With Pre-Existing Conditions Coverage Benefits
| Best for | Travel insurance plan | Estimated premium rate* |
|---|---|---|
| Best forAffordability and coverage of a decent range of pre-existing conditions | Travel insurance planEtiqa Pre-Ex Entry, Savvy and Luxury plans | Estimated premium rate*$95 - $151 |
| Best forMaternity medical expenses and pre-existing conditions (with certain general exclusions) | Travel insurance planMSIG TravelEasy® Standard Pre-Ex, Elite Pre-Ex, Premier Pre-Ex plans | Estimated premium rate*$61 - $112 |
| Best forElderly with pre-existing conditions | Travel insurance planMSIG TravelEasy® Standard Pre-Ex, Elite Pre-Ex, Premier Pre-Ex plans | Estimated premium rate*$189 - $304 |
| Best forMore specific pre-existing conditions such as asthma, high blood pressure, heart disease and more | Travel insurance planIncome Insurance (formally known as Income) Enhanced PreX Plan | Estimated premium rate*$536 |
| Best for*Estimated premium rates are based on a 5D4N single trip plan to a country in Asia. | Travel insurance plan |
What Is The Average Cost Of A Travel Insurance With Coverage For Pre-existing Conditions?
| Travel insurance provider/plan | Medical expenses | Personal accident | Overseas hospital allowance | Trip cancellation | Estimated total premium* |
|---|---|---|---|---|---|
| Travel insurance provider/planEtiqa Pre-Ex | Medical expensesUp to $200,000 | Personal accidentUp to $150,000 | Overseas hospital allowanceUp to $5,000 | Trip cancellationUp to $5,000 | Estimated total premium*$95 |
| Travel insurance provider/planMSIG TravelEasy® Pre-Ex | Medical expensesUp to $75,000 | Personal accidentUp to $150,000 | Overseas hospital allowanceUp to $20,000 | Trip cancellationUp to $5,000 | Estimated total premium*$61 |
| Travel insurance provider/planIncome Insurance Enhanced PreX® (formally known as Income) | Medical expensesUp to $300,000 | Personal accidentUp to $100,000 | Overseas hospital allowanceUp to $20,000 | Trip cancellationUp to $10,000 | Estimated total premium*$536 |
| Travel insurance provider/plan*Estimated premium rates are based on a 5D4N single trip plan to a country in Asia, and comparing our round-up of the 3 best travel insurance plans in Singapore with coverage for pre-existing conditions. | Medical expenses | Overseas hospital allowance | Trip cancellation | Estimated total premium* |
As there are not many insurers in Singapore offering travel insurance coverage for pre-existing conditions, we’ve done a straight-forward comparison of the best 3 plans from more renowned and reliable insurance providers which you can take a look at. Comparing between the 3 travel insurers’ benefits and premiums, the average cost of a travel insurance plan with pre-existing conditions coverage for a 5D4N vacation is about $231, assuming that we take the most basic plan offered by each travel insurance provider.
Estimated average cost of a travel insurance plan:
$95 + $61 + $536 = $692
$692 ÷ 3 = $231
If you’re looking at a more cost-efficient plan, perhaps the ones by MSIG would be more suitable, because for a lower premium you get about the same maximum coverage limit for most key aspects of your plan except for medical expenses, when compared with Etiqa. However, when considering more comprehensive coverage for medical expenses you’ll probably want to go with Income Insurance’s Enhanced PreX® plan as you can claim a lot more for medical expenses as compared to MSIG and Etiqa.
Frequently Asked Questions About Travel Insurance For Pre-existing Conditions In Singapore
What is pre existing condition exclusion?
- Most travel insurance plans in Singapore do not cover pre-existing conditions. It will be stated in the policy wording under "exclusions". These conditions are injuries or illnesses that you are aware of and/or receiving treatment for, before departing for your trip. Some examples of such conditions include asthma, diabetes, heart attack, stroke, hypertension, eczema and so on.
Is there any travel insurance that covers pre-existing conditions in Singapore?
- Yes. Currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.
How much does it cost to buy pre-existing travel insurance?
- The premium for MSIG TravelEasy Pre-Ex (Standard) starts from $61 for a 5D4N trip in Asia. The same duration and destination would cost you $95 for the Etiqa Pre-Ex Entry plan with pre-existing conditions. It costs more for higher tiers.
Note that actual premium prices may change depending on chosen add-ons and travel dates. How can I get travel insurance with pre-existing coverage for my trip?
- There are several ways to get coverage for your/ your family members’ pre-existing conditions in your preferred travel insurance plan. The quickest way is often through your preferred travel insurance mobile app, and other ways include the travel insurance company’s website or by contacting your insurance agent. You may either get coverage for pre-existing conditions as an add-on benefit or as part of an existing travel insurance plan.