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• Pengesahan bertulis daripada Syarikat penerbangan atau ejen (mandatori)  
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• Laporan Cuaca / Notis dari syarikat penerbangan terhadap pembatalan perjalanan kerana cuaca buruk
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Etiqa Travel Insurance Singapore Review: Pre-Ex, Covid-19, Claims (2022)

When you think travel insurance , you definitely don’t think of Etiqa. For the uninitiated, Etiqa is Malaysian bank Maybank’s insurance arm, and it’s a relatively new player in this field.  Which explains why Etiqa travel insurance is one of the cheapest travel insurance options in Singapore. It’s cheap because it’s unknown.

But as much as everyone loves cheap travel insurance, nobody wants to end up with a lao hong plan that doesn’t cover anything, right? So let’s find out if Etiqa travel insurance is any good.

• Etiqa Travel Insurance: Summary
• Etiqa Travel Infinite – Covid Travel Insurance
• Etiqa Tiq Travel Insurance
• Etiqa Tiq Pre-Ex Travel Insurance
• Extreme Sports and Outdoor Adventure
• Etiqa Travel Insurance Terms and Conditions
• Etiqa Travel Insurance Claim Review
• Etiqa vs AXA Travel Insurance
• Etiqa Travel Insurance Promotion
• Etiqa Travel Insurance Review

1. Etiqa Travel Insurance Summary

There are two Etiqa travel insurance plans currently available, namely the Etiqa Tiq Travel Insurance which covers Covid-19 and pre-existing medical conditions, and the Etiqa Travel Infinite Covid travel insurance which offers higher overseas medical coverage.

How to choose which Etiqa travel insurance suits you better? If you don’t have any life threatening pre-existing medical conditions, you should get the Etiqa Tiq Travel Insurance (No Pre-Ex).

As with all travel insurance plans, Etiqa travel insurance plans’ premiums are based on the country you’re travelling to. They are split into three categories:

• Zone 1 (ASEAN) : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Thailand, Philippines and Vietnam
• Zone 2 (Asia, Australia) : All of Zone 1, Armenia, Australia, Azerbaijan, Bahrain, Bangladesh, China (excluding Tibet), Cyprus, Georgia, Hong Kong, India, Israel, Japan, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Lebanon, Macau, Maldives, Mauritius, Mongolia, Nepal, New Zealand, Oman, Pakistan, Palestine, Qatar, Saudi Arabia, South Korea, Sri Lanka, Taiwan, Tajikistan, Timor-Leste, Turkey, Turkmenistan, United Arab Emirates and Uzbekistan
• Zone 3 (Worldwide) : All of Zone 1 and 2, Nepal, Tibet and Worldwide/the rest of the world excluding Democratic Republic of Congo, Iran, Libya, North Korea, Somalia, South Sudan, Sudan and Yemen

2. Etiqa Travel Infinite – Covid Travel Insurance

For most of us regular holiday-goers without outstanding pre-existing medical conditions, the Etiqa Travel Infinite would usually seem like the travel insurance plan we’ll likely go for. (Pre-existing conditions travel insurance usually cost more.) However, you need to buy this plan from one of Etiqa’s 18 partner tour agencies such as Chan Brothers. Ah, it’s one of those tour group type of travel insurance plans.

Anyway, here’s a summary of Etiqa Travel Infinite travel insurance plan’s key coverage, and benefits:

Since these Etiqa travel insurance plans are offered to tour agencies, you can see that the medical treatment and hospitalisation, emergency medical evacuation coverage are quite high. Likewise, other miscellaneous trip itinerary and logistics-related coverage are extremely high too. Trip cancellation, for example, starts from $5,000 – a whole lot more than Direct Asia travel insurance ‘s travel cancellation coverage of $3,000, and AIG travel insurance ‘s travel cancellation coverage of $2,500.

Etiqa Travel Infinite does not automatically include Covid-19 coverage. Instead, it comes as an add-on Covid-19 rider at an additional price.

Again, since this Etiqa Travel Infinite plan caters to tour groups, the Covid-19 rider’s coverage is pretty decent. You get a high $3,000 to $5,000 coverage for any Covid-19 related trip cancellations or disruptions, adequate $100,000 to $300,000 overseas Covid-19 medical expenses, and even a $100/day quarantine allowance. Etiqa Travel Infinite’s Covid-19 coverage is on par with reputable insurance providers such as Sompo travel insurance , but it’s considered pretty good compared to a budget travel insurance, e.g. Direct Asia.

3. Etiqa Tiq Travel Insurance

The other Etiqa travel insurance plan that you can buy directly online is called Tiq Travel Insurance. It comes in two variants:

• Pre-Existing Plan
• Normal Plan (no pre-existing medical conditions)

Total Premium

[MoneySmart Exclusive]    • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Additionally, receive 2,400 My Millennium Points (worth S$16) with every policy purchased. T&Cs apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Key Features

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

Get paid upon a 3-hour flight delay, even without submitting a claim

Here, we first review the normal (non pre-ex) Tiq travel insurance plan.

Etiqa Tiq Travel Insurance (Normal)’s key coverage and benefits:

Compared to its competitors, Etiqa’s travel insurance coverage is adequate and comparable to what other travel insurance companies are providing. Take MSIG travel insurance for example, overseas medical expenses range from $250,000 to $1,000,000 while Etiqa Tiq’s coverage is $200,000 to $1,000,000.

However, very much like budget travel insurance provider Direct Asia , Etiqa’s Tiq travel insurance separates the main travel insurance plan from its Covid-19 rider. When you add the main travel insurance plan’s premiums and Covid-19 rider’s prices together, it’s as good as paying for a reliable insurance brand such as Sompo .

Again, Etiqa Tiq Travel Insurance’s Covid-19 rider is pretty good compared to other budget travel insurance providers such as Direct Asia. When compared against established insurance companies such as MSIG travel insurance, Tiq travel insurance’s Covid-19 coverage is adequate and on par.

4. Etiqa Pre-Ex Travel Insurance

The other variant of the Etiqa Tiq Travel Insurance is the pre-existing medical conditions plan.

There aren’t many travel insurance plans thats cover pre-existing medical conditions out there. Other than this Etiqa Tiq Pre-Ex Travel Insurance that you’re looking at,  MSIG travel insurance  and  NTUC travel insurance  offer pre-existing medical conditions and Covid travel insurance as well.

MSIG TravelEasy Pre-Ex Standard

Etiqa tiq pre-ex travel insurance’s key coverage and benefits:.

In terms of benefits and medical coverage, there really isn’t very much difference between the Tiq Travel Insurance non pre-ex and pre-ex versions. The only difference? Higher premiums and price. The pre-ex plans are twice more expensive than the non pre-ex plans for good reason – a price that I would honestly pay for if I were travelling with my mother, for example, who has a medical history.

Etiqa’s Tiq Pre-Ex Travel Insurance does not offer Covid-19 coverage .

5. Extreme Sports and Outdoor Adventure

Etiqa travel insurance is a good one for outdoorsy types and adventure junkies as quite a range of leisure outdoor activities are covered. (There’s nothing I hate more than seeing a long list of activity exclusions hidden in size 6 font in the policy wording.)

Most leisure and recreational type of holiday outdoor activities such as hot air balloon, skiing are explicitly stated as not excluded – aka covered by Etiqa.

If you’re in for rock climbing with ropes and equipment, you will need a more niche and specialised Extreme Sports travel insurance rider offered by Direct Asia travel insurance instead.

DirectAsia DA150

[ Win a Rolex, Dream Vacation & More!   | MoneySmart Exclusive]   • Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$20  via PayNow with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

Additional coverage for Travel Insurance - Sports equipment, Maid and COVID-19. Extreme Sports add-on only available for Annual Plans.

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

Optional COVID-19 coverage on trip cancellation, medical expense, and emergency evacuation. Only for Single Trip.

4. Etiqa Travel Insurance Terms and Conditions

Some terms and conditions found in Etiqa travel insurance’s policy wording that you should take note of:

• Air Miles and Hotel Reward Points : Tickets and bookings made with airline miles programmes, hotel membership reward points, and credit card points etc. will not be covered or claimable.
• Loss of Personal Belongings : If you’ve lost your personal baggage or belongings, you need to report the loss or theft to the local police, hotel, airlines, airport etc. wherever you were within 24 hours, and get printed reports for claims.
• Travel Postponement benefit: Will only be claimable if you bought your travel insurance more than 3 days before departure date (except for death reasons).
• Pre-Existing Medical Conditions : You must prove that you’ve been diligently following your doctor’s treatments, medications, and routine tests etc. You are not eligible if you were admitted to the hospital or A&E in the past year due to your pre-existing medical condition.
• Pet Hotel Add-On : Only covers dogs and cats.

5. Etiqa Travel Insurance Claim Review

Although Etiqa has been around in Singapore for reportedly over 55 years (says their website), you’ll be hard pressed to find reviews from actual customers who have successfully claimed from Etiqa travel insurance before. Instead, there are mixed reviews of Etiqa’s customer service team – some great, mostly negative.

Here are some emergency hotlines you should keep in handy if you’re buying Etiqa’s travel insurance plans:

Etiqa Overseas emergency hotline: Call Allianz Global Assistance emergency assistance hotline at +65 6327 2215 (Allianz is Etiqa’s emergency support provider)

Etiqa Travel insurance claims:  WhatsApp Etiqa Customer Service at +65 6887 8777

Online claims: Sign in to your Etiqa Tiq Connect self-service portal to submit claims online

Mailed claims : Download claim forms from Etiqa website,  mail with supporting documents to Etiqa’s office in Singapore

Etiqa Insurance Pte Ltd One Raffles Quay #22-01 North Tower Singapore 048583

Claims settlement time:  According to Etiqa, their travel claims can be processed and paid as quickly as one day through this instant payment service, as opposed to a cheque which takes 2 to 4 weeks.

6. Etiqa vs AXA Travel Insurance

7. etiqa travel insurance promotion.

Etiqa has an ongoing promotions which gives you 40% off premiums with promo code TRAVEL40 .

Of course, Etiqa loses that competitive pricing edge once you take away the generous promotions… so let’s hope the promo code is here to stay.

8. Etiqa Travel Insurance Review

If you’re like me – a budget traveller who love the outdoors – Etiqa travel insurance is a great fit. It’s cheap, covers pretty much every adventure activity, and the emergency assistance and medical coverage benefits are solid.

As a bonus, you can skip the hotline and get in touch with the customer service via Whatsapp (although there are many bad reviews about that).

By the way, big families travelling together will appreciate the fact that Etiqa’s family plans cover up to 8(!) children. “Children” even encompasses young adults up to 25 years old as long as they are full-time tertiary students in Singapore. The Tiq Pre-Ex travel insurance also gives your elderly parents pretty comprehensive coverage – and peace of mind – while travelling.

Etiqa travel insurance is NOT for you if you’re more of a princess who just. cannot. deal. with flight delays and disappearing luggage. The benefits in this aspect are very poor. Maybe try fly carry-on only with this one.

Looking to buy Etiqa travel insurance?  Compare all the best travel insurance plans in Singapore .

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Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

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• Etiqa Travel Insurance: Worth A Buy?

• Basic plan is one of the cheapest on the market
• Provides real-time tracking of flight delays
• Instant approval for travel delay claims
• Covers Cruise to Nowhere
• Average benefits for medical and trip inconvenience
• Business plan doesn't stand out in features compared to other top tier plans

Travellers seeking wallet-friendly travel insurance plans in Singapore can benefit with Etiqa's travel insurance plans. Consistently being one of the cheapest plans, Etiqa's Tiq travel insurance combines attractive prices with comprehensive coverage that will please most travellers. However, if your criteria is trip inconvenience coverage, you may not get the coverage you need.

Table of Contents

• Etiqa Entry Plan
• Etiqa Savvy Plan
• Etiqa Luxury Plan

Sports Coverage

Covid-19 add-on, claims information.

• Etiqa Travel Insurance Summary

Tiq Travel Insurance: What You Need to Know

The main reason you should consider Tiq by Etiqa's travel insurance is its affordability. Tiq's Entry and Savvy plans stand out in particular for offering among the cheapest prices for entry-level and mid-tier travel insurance plans on the Singapore market. Its coverage runs fairly average, but it provides cover for adventurous activity so it can be a good option of students or budget travellers who prefer to be active on their holidays. Etiqa is also a leader in innovation as the first insurer in the Singapore market to provide automatic real-time flight delay claims approval, meaning that you can be reimbursed for your flight delays as soon as they occur.

However, Etiqa may not be the best choice for people who booked luxury trips or need high levels of trip inconvenience coverage. In most cases, Etiqa's travel insurance plans fall below average compared to their peers for trip inconvenience benefits like missed connections, delays, cancellations and baggage loss as well as some medical coverage. Furthermore, its benefits are fairly standard so you won't find much if you are looking for niche coverage like sports equipment, wedding or pregnancy benefits. Thus, we don't recommend Tiq for people who are willing to spend extra for copious amounts of coverage or require niche benefits like sports equipment coverage or pregnancy benefits.

Notable Exclusions

Though Etiqa is lenient with sports-related medical events you can claim, it will not cover your sports equipment, including skis and snowboards. Medical exclusions are standard, including pre-existing conditions (unless you're buying the Pre-Ex plan), pregnancy-related events, mental disorder, suicide and purposeful self-injury. Other main exclusions include participating in illegal activity, participating in war and trips exceeding 182 days.

Tiq Travel Insurance Entry Plan

Etiqa has carved out a place for itself in the market for budget travel insurance plans with its Entry plan. It offers some of the lowest prices for coverage within ASEAN and Asia without cutting out the necessary protection you expect in a travel insurance policy. We think this is a great plan for the consumer who is interested in getting as cheap a plan as possible without having to compromise too much on the very features you're looking for in travel insurance anyway. For instance, students and budget travellers who are active will benefit from the low prices, adventurous activity coverage and a solid offering of benefits that cover the most likely travel woes. That said, it is possible to find even cheaper travel insurance plans, like with FWD and Budget Direct, so those looking for rock bottom prices may not find the Entry plan to be the best fit.

Tiq Travel Insurance Savvy Plan

If you're looking for an affordable mid-level, single trip plan, then Etiqa will deliver. Week-long and longer trips cost 20%-40% below average to insure and premiums drop by as much as 50% from the market average for family plans, making Etiqa's Tiq Savvy plan one of the most competitively priced mid-tier plans. However, it offers quite below-average coverage for a mid-tier plan, so those hoping to pay extra for considerably more coverage may not find the Savvy plan's upgrades to be worthwhile, as there are budget plans that can offer more coverage for the same price (or lower). Lastly, Frequent travellers should take note that the Savvy's annual plans cost around the average compared to other mid-tier plans on the market. Therefore, cost-conscious travellers may find a better deal with insurers like DirectAsia and FWD.

Tiq Travel Insurance Luxury Plan

Etiqa's premium offering, the Luxury Plan, is fairly undistinguished in that it offers below-average to average levels of coverage compared to other top-shelf travel insurance plans while also running near the middle of the pack in terms of pricing. We think that if you're seeking maximum levels of coverage or great value in a premium travel insurance plan, there are superior choices available to you, such as the DirectAsia's DA500 plan .

Though Etiqa doesn't have outright sports coverage, it does allow some adventurous activity such as skiing/snowboarding, hiking, scuba diving (above 30 metres), sky-diving, bungee jumping, hang-gliding, paragliding, parachuting and hot air balloon rides. However, there is no option for sports equipment coverage.

Apart from the Child Education Cover, Rental Car Excess Cover, Pet Hotel Cover and Sport Equipment Protector that Etiqa currently offers, Etiqa has added a comprehensive COVID-19 add-on protecting you before, during and after your trip. However, the COVID-19 add-on coverage is only available to travellers who are fully vaccinated, and fulfil the pre-departure & post-arrival tests requirements imposed by the destination country or transport operator.

To submit a claim with Etiqa, you can either contact Etiqa to get the claims procedures or complete the online claim form and submit it along with the necessary original documentation. If you have a TiqConnect account, you can submit your claims through TiqConnect. You can also conveniently contact their customer care officers via Whatsapp at the number provided below. That said, Tiq Travel Insurance also offers convenient automatic claims 3-hour flight delays (you don't even have to submit a claim) and instant claims encashment via PayNow, which makes it easier than most other insurers to file a claim when a travel inconvenience occurs.

Tiq by Etiqa Travel Insurance Summary

• S$30,000-S$500,000
• S$300-S$500

To get the maximum peace of mind on your next trip, it is vital to make sure you will be adequately covered for whatever can happen without breaking your budget. Below, we have a summary of Etiqa's coverage and prices, as well as how it compares to the industry average. If you'd like to compare Etiqa to other plans in the market in more depth, you can read our guide to some of the best travel insurance plans in Singapore.

All insurance product-related transactions via AMTD PolicyPal Group (including Value Champion) are arranged and administered by Baoxianbaobao Pte. Ltd., our insurance broker and exempt financial adviser licensed and regulated by the Monetary Authority of Singapore. This insurance purchase is powered by Baoxianbaobao Pte. Ltd.

Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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Tiq by Etiqa Travel Insurance: Is It Worth the Cost? Our Expert Review

• Financially Reviewed by Edward Hee

• Published: 20 November, 2023
• Last Updated: 29 December, 2023

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

Key features of the tiq’s travel insurance plan.

• Tiq by Etiqa Travel Insurance plans provide travel insurance for both single and annual trips.
• There are 3 different plans under 2 different categories – Entry, Savvy, and Luxure plans under each of the Non-Pre-ex and Pre-ex categories.
• You can buy Tiq by Etiqa Travel Insurance plans for yourself (as an individual), as a married couple, as a group of at least 10 individuals, or as a family.
• You can easily pay for your policy with Cash, Credit Card, eNets and eWallet credits.
• You can buy your policy up to 180 days in advance.
• Covers pre-existing conditions under the Pre-ex plan.

Eligibility

To qualify for coverage under this Policy:

• You must be either a Singapore Resident (Singaporean, PR, holder of valid Work Pass, Long Term Visit Pass, or Student Pass) or a Transit Traveler.
• You must be at least eighteen (18) years old at the time of the Insurance commencement.
• You and other Insured Persons under the Policy must not be residents of any country specified in Etiqa’s Zone   country exclusions .
• Any child(ren) included as an Insured Person under the Policy must be your Legal Child.

For Transit Travellers, please note that this insurance policy will only provide coverage for a round-trip journey that commences and returns to Singapore within the policy’s effective coverage period.

Premium Rates

The premium rates are based on a trip for a week as well as annual coverage within the ASEAN region and globally.

Here are some of its Key Benefits

Individuals below 70 years old

Each individual covered by the policy is entitled to the maximum benefit as specified in the   Table of Benefits   (pages 10-13 of the Policy Wordings).

Each individual covered by the policy is entitled to the maximum benefit as specified in the  Table of Benefits  (pages 10 to 13 of the Policy Wordings).

Benefits Explained

Section 1: personal accident (accidental death & permanent disablement).

In the event that you, the Insured Person(s) is engaged in an Accident and sustain Injury or face fatality within the following 12 months, the Insurer will provide compensation to you or your legal representative, as specified in Section 1 of the Table of Benefits.

Please note that the total sum of all benefits paid out will not surpass 100% of the Capital Sum insured, as outlined in the Scale of Compensation as follows:

Section 1A: Accidental Death and Permanent Disablement

Coverage begins three (3) consecutive hours prior to you leaving your residence or office for a direct trip to the departure point in Singapore, leading to your overseas destination. The coverage ends upon:

• The expiration of the insurance period stated in the Policy;
• Your return to your permanent residence; or
• Within 3 hours of your arrival in Singapore, whichever occurs earlier.

Exclusions for Section 1:

The Insurer will not indemnify any claims related to permanent disablement or death arising from illness or infectious diseases.

Section 2: Reimbursement of Overseas Medical Expenses

Under this section, the Insurer will reimburse you, the Insured Person, for medical expenses incurred overseas due to injury or illness.

This coverage applies solely and independently of any other causes. 

The total reimbursement for medical expenses incurred overseas will not exceed the limit specified in the chosen plan from the   Table of Benefits .

This benefit also covers expenses related to treatment by a physician, which are necessary due to injury or illness suffered solely and independently of any other causes while overseas. The coverage for each overseas trip is up to a total of $500.

If you are eligible for a refund or reimbursement from another source, or if there is existing insurance covering the events mentioned in this section, the Insurer will only be liable for the excess amount not covered by such other source or insurance, subject to the applicable limits.

Section 3: Reimbursement of Medical Expenses in Singapore (Applicable for Savvy, Luxury, Pre-Ex Savvy, and Pre-Ex Luxury Plans Only):

Under this section, the Policy will reimburse you, the insured Person, for medical expenses incurred in Singapore, up to the limit specified in the Table of Benefits. These expenses cover medical treatment or follow-up medical treatment in Singapore for injuries or illnesses sustained while overseas.

This benefit also includes expenses for follow-up treatment in Singapore by a physician, up to $50, for injuries or illnesses sustained overseas.

You must adhere to the following time limits for seeking medical treatment:

• If prior medical treatment has not been sought overseas, you must seek medical treatment in Singapore within forty-eight (48) hours from the date of return to Singapore. 

From the date of the first medical treatment in Singapore, you have a maximum of thirty (30) days to continue medical treatment in Singapore, within the limit stated under the Table of Benefits; or

• If medical treatment has already been sought overseas, you have up to a maximum of thirty (30) days from the date of return to Singapore to continue medical treatment in Singapore, up to the limit specified under the Table of Benefits.

The total medical expenses incurred in Singapore will not exceed the limit stated under the Table of Benefits. If you are eligible for a refund or reimbursement from another source, or if there is existing insurance covering the events outlined in this Section, the Insurer will only be responsible for the excess amount not covered by such other source or insurance.

Section 4: Overseas Hospital Income

In the event that you, the Insured Person, is hospitalised overseas due to accidental bodily injury or illness contracted during your overseas stay, the Insurer will provide a payment of two hundred dollars ($200) for each twenty-four (24) hours, up to the limit specified in the Table of Benefits. This payment will be disbursed after the confinement period and upon the your return to Singapore.

Section 5: Hospital Allowance in Singapore:

In the event that you, the Insured Person, is hospitalised immediately upon your return to Singapore due to bodily injury or illness contracted overseas, the Insurer will pay the amount of one hundred dollars ($100) for each twenty-four (24) hours, up to the limit specified in the Table of Benefits. This payment will be made after the period of confinement in Singapore.

Section 6: Hospital Visitation

• Hospital Confinement without Family Member:

In the event that you, the Insured Person, is hospitalised overseas for more than five (5) consecutive days due to injury or illness, and it is deemed medically inappropriate to relocate them or bring them back to Singapore for treatment, and no adult family member is present with them, we will cover the following, up to the limit specified in the chosen plan under Section 6:

Reasonable travel expenses (economy class airfare, rail, or sea transport fare) incurred by one relative or friend traveling from Singapore to the location your hospitalisation.

Reasonable hotel accommodation expenses for the relative or friend, allowing them to visit and stay with you throughout your hospitalisation period.

    2. Hospital Confinement with Family Member:

If you are hospitalised overseas for more than five (5) consecutive days due to injury or illness, and it is medically inappropriate to relocate you or bring you back to Singapore, and an adult family member is present with you during the trip, the Policy will cover, up to the limit specified in the selected plan under Section 6:

Administrative charges for postponement of the family member’s return travel to Singapore.

Reasonable hotel accommodation expenses incurred by the family member, starting from the 6th day of your hospitalisation.

The Insurer will determine the assessment of reasonable accommodation and travel expenses. Coverage under Section 6(b) will not apply if the family member is eligible for a refund of these expenses from another source, including other insurance policies or Section 14 of this Policy.

Section 7: Compassionate Visit

In the unfortunate event that you, the Insured Person, suffer a bodily injury or illness leading to your demise overseas, and no adult family member is present, the Insurer will provide reimbursement up to the limit stated in the Table of Benefits. 

This will cover the essential expenses for one relative or friend who travels to assist in the final arrangements at your destination.

It’s important to note that this policy will cover claims under either Section 6 or Section 7 for the same event, but not for both sections simultaneously.

Section 8: Child(ren) Guardian

In case you, the Insured adult person, are hospitalised overseas and have a child(ren) below the age of eighteen (18) years accompanying them, and there is no other adult present with the child(ren), the Insurer will cover the necessary expenses. This includes reasonable travel and hotel accommodation costs for a relative to accompany your child(ren) back to Singapore, within the limits specified in the Table of Benefits.

Section 9: Emergency Telephone Charges

The Insurer will refund you, the Insured Person, up to two hundred dollars ($200) for all telephone charges accumulated while seeking the services of AGA during a medical assistance or emergency situation, for which a medical claim will be submitted under Section 2.

Section 10: Emergency Medical Evacuation

Emergency expenses for medical evacuation, repatriation, and repatriation of mortal remains.

The Insurer, in collaboration with AGA, will organise and cover the costs for the services, up to a maximum limit of $1,500,000 per occurrence for Section 10 and 11, subject to the listed exclusions.

In the event of an Injury or Illness occurring while you, the Insured Person, is Overseas, and if AGA or an authorised representative deems it medically appropriate to move you to another location or back to Singapore for treatment, AGA or your representative will facilitate the evacuation using the most suitable means based on the severity of your condition. The Insurer will directly cover the specified expenses for such evacuation as outlined in the Selected Plan under Section 10.

The evacuation methods organised by AGA or your representative may include air ambulances, ground ambulances, regular air transportation, trains, or any other suitable means of transportation. 

All decisions regarding transportation methods and the final destination will be made by AGA or the authorised representative, solely based on medical necessity. Covered expenses encompass services provided and/or arranged by AGA for the transportation, including medical services and necessary medical supplies incurred due to the emergency medical evacuation.

Exclusions for Section 10

The Insurer will not cover:

• Expenses incurred for services provided by another party that you are not obligated to pay, or any costs already included in the scheduled Trip, such as the unused portion of the return air ticket for the scheduled Trip; and/or
• Expenses for services not pre-approved and organised by AGA or an authorised AGA representative, unless the Insurer determines that such expenses were unavoidably incurred due to circumstances beyond your control, your Relative, or Travel Companion, or in cases where AGA was unresponsive during the emergency. 

In any case, the Insurer retains the right to reimburse you solely for expenses related to services that AGA would have provided under identical circumstances and up to the limit specified in the Selected Plan under Section 10.

Section 11: Repatriation of Mortal Remains to Singapore

In the event of you, the Insured Person, suffer an Injury or Illness Overseas that leads to demise within 30 days from the Injury or the onset of the Illness, AGA or an authorised AGA representative will handle the necessary procedures for repatriating your mortal remains to Singapore. 

The Policy will cover the reasonable expenses incurred Overseas for services and supplies provided by the mortician or undertaker, including essential items like a basic casket, embalmment, and cremation if chosen. However, this coverage excludes costs related to religious ceremonies or rites.

All arrangements for repatriation must be approved and coordinated through AGA, unless exceptional circumstances prevent such arrangements due to reasons beyond the control of your estate. In such cases, alternative arrangements must be reasonable and subject to our approval.

Exclusions Applicable to Section 11 – Repatriation of Mortal Remains to Singapore

• Any expenses related to services provided by another party for which you are not financially responsible, or any expenses already covered within the cost of a scheduled Trip. This includes, but is not limited to, the unused portion of the return air ticket for the scheduled Trip; and/or
• Any expenses incurred for the transportation of your remains that were not approved and arranged by AGA or an authorised representative of AGA.

Exclusions Applicable Only to Sections 10 & 11

The following treatments, items, conditions, activities, and your related or consequential expenses are not covered under these sections, and AGA &/or the Insurer will not be responsible for:

• Pre-existing conditions for which you have been hospitalised during the 12 months before the Trip or any medical condition diagnosed or treated by a Medical Practitioner, including prescribed drugs, within 6 months before the Trip.
• Emergency Medical Evacuation or repatriation costs not pre-approved in writing by AGA and/or not arranged by AGA in advance. However, this exclusion does not apply to Emergency Medical Evacuation from remote or primitive areas where contacting AGA in advance is not feasible and delay could reasonably lead to loss of life or extreme harm to you.
• Events occurring while you are within Singapore or your home country.
• Expenses if you travel outside Singapore against the advice of a Medical Practitioner or to obtain medical treatment or rest and recuperation after a prior accident or illness.
• Expenses if you are not suffering from a Serious Medical Condition or if the treatment can be reasonably delayed until your return to Singapore.
• Treatment or expenses related to childbirth or pregnancy (except abnormal pregnancy or vital complications endangering the life of the mother or unborn child/children). In any case, coverage does not extend to childbirth, miscarriage (spontaneous abortion), or pregnancy after the sixth month.
• Expenses related to Accidents or Injuries occurring during engagement in Extreme Sports, mountaineering, rock climbing necessitating rope use, underwater activities requiring artificial breathing apparatus, except leisure scuba diving no deeper than thirty (30) meters, speed contests, racing of any kind other than on foot, and all professional sports.
• Expenses incurred for emotional, mental illness, and psychiatric disorders not arising from physical and strictly medical reasons.
• Self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse, sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related conditions or diseases.
• Treatment performed or ordered by a non-registered Medical Practitioner not following the standard medical practice as defined in the treatment country.
• The cost of burial in your home country.
• Expenses resulting from participation in war, riot, civil commotion, or any illegal act, including resulting in imprisonment or while serving in a police or military unit.

Section 12: Trip Cancellation and Loss of Deposit

This section ensures your peace of mind. If certain unforeseen events occur within 60 days before your trip, leading to its cancellation, the Insurer got you covered:

• Personal Events: If you, your spouse, child, parent, parent-in-law, grandparent, grandchild, brother, or sister face death, injury, or illness, causing the cancellation, the Insurer will reimburse your prepaid travel and accommodation expenses up to the limit specified in your plan.
• Unexpected Events: Major unexpected events preventing you from travelling to your main destination are covered.
• Damage to Residence: If your permanent residence suffers serious damage, you’re protected.
• Legal Obligations: If you’re called as a witness in a Singaporean court or face compulsory quarantine, and it forces your trip cancellation, we’ve got your back.

Special Provision: If the cancellation results from the unexpected death of a relative or travel companion within 60 days before the trip, making your travel impossible, the Insurer will cover the replacement administrative expenses for changing travellers before the trip begins. This is a helpful alternative to (1) above.

In this section, “Cancellation” refers to the unavoidable termination of your trip after it’s arranged but before it commences. The Insurer’s coverage starts only when the policy is in effect. 

This coverage is effective only if:

To ensure your coverage works seamlessly, here are the conditions you need to be aware of:

• Early Purchase: This policy is effective only if it’s purchased before you become aware of any circumstances that might disrupt your planned trip. The earlier, the better.
• Documentary Proof: You need proof that you attempted to seek a refund from the transport or accommodation provider first. If your refund request is denied, we step in. We cover the remaining irrecoverable expenses after deducting any refunds you receive from the provider.
• Timely Communication: It’s crucial to inform your travel agent, tour operator, or transport/accommodation providers as soon as you’re aware of any changes in your travel plans. Timely communication ensures a smooth process and helps us assist you effectively.

Exclusions for Section 12 Coverage

It’s important to understand the situations where coverage won’t apply:

• Government Regulations: Loss caused directly or indirectly by government regulations or control is not covered.
• Public Conveyance or Provider Cancellations: Loss caused by cancellations from public conveyances or other travel/accommodation providers is excluded.
• Double Coverage: Any loss covered by another existing insurance scheme or government program is not eligible for compensation.
• Non-Transport or Accommodation Expenses: Prepaid expenses for local excursions, tours, seminars, and other non-transport/accommodation charges won’t be reimbursed.
• Last-Minute Purchases: If this policy is bought less than three (3) days before departure (except in cases of your or your Relative or Travel Companion’s death due to an Accident), coverage is not applicable.
• Known Events: Loss resulting from a Major Unexpected Event that was publicly known when you booked the trip or purchased this policy won’t be covered.
• Air Miles or Holiday Points: Compensation for air miles or holiday points used to pay for the trip is not included.
• Late Notifications: Additional costs due to delayed communication with relevant transport or accommodation providers about changes in travel plans are excluded.

Please note: This policy will pay for claims under either Section 12 or 13 for the same event, but not both. 

Section 13: Bankruptcy of the Travel Agent

This section ensures you’re protected if your trip is cancelled due to your travel agent’s insolvency. Here’s how it works:

The Insurer will reimburse you up to the specified limit in your chosen plan if your trip is cancelled because the travel agent you booked with goes bankrupt.

Exclusions for Section 13

• Provider Cancellations: Loss caused by cancellations from public conveyances or other travel/accommodation providers is excluded.
• Provider Reimbursement: If the hotel, airline, travel agent, or any other provider refunds your money, this policy won’t pay.
• Pre-existing Financial Issues: Insolvency or bankruptcy filed before purchasing this insurance won’t be covered.
• Last-Minute Purchases: If this insurance is bought less than three (3) days before departure (inclusive of the departure date), it won’t be valid.

Section 14: Trip Curtailment (Including Hijacking)

This section provides coverage if you need to cut your trip short due to unexpected events. Here’s what it covers:

The Insurer will pay for your lost deposit, additional travel expenses, and the pro-rated amount for each incomplete day of your remaining trip after adjusting for any recovered sums. The coverage limit is as stated in the Table of Benefits.

Eligible Events for Trip Curtailment

• Serious Bodily Injury or Illness: If you suffer a serious bodily injury or illness, and a written medical advice supports your need to return to Singapore.
• Hijacking: Coverage is provided if the aircraft you’re travelling on is hijacked.
• Unexpected Death or Injury/Illness: If there’s an unexpected death, injury, or illness of your relative or travel companion, leading to your decision to return home.
• Major Unexpected Event: If an unforeseen major event occurs, preventing you from continuing your scheduled trip.
• Medical Quarantine: If medical advice mandates quarantine, hindering you from continuing your trip.

Please Note: You need a medical certificate from the treating Medical Practitioner to confirm serious bodily injury or illness, ensuring your claim can be processed.

Exclusions Applicable to Section 14

This section outlines situations where coverage will not be provided for trip curtailment. It’s important to be aware of these exclusions:

• Government Regulations and Service Provider Errors: Claims resulting from government regulations, amendments, or delays in the booked trip. This includes errors, omissions, or defaults by service providers, travel agents, or tour operators.
• Lack of Necessary Documents: Coverage is not applicable if you fail to obtain the required travel documents.
• Business, Financial, or Contractual Obligations: Claims related to your business, financial, or contractual obligations, or those of your travel companion, are not covered.
• Personal Disinclination or Financial Constraints: Coverage will not be provided if you choose not to travel due to personal reasons or financial constraints.

Section 15: Personal Effects Including Laptop Computer

The Policy provides comprehensive coverage to ensure your peace of mind throughout your trip.

Coverage Highlights:

Imagine you find yourself in an unforeseen situation, perhaps due to a natural disaster at your planned destination. In such cases, your personal belongings, including items purchased during your trip and those already in your possession, are protected. This coverage isn’t limited to the cost of lost or damaged items; it extends to your clothing and personal effects stored in the lost baggage or items you are wearing or carrying.

The items must either be owned by you, in your custody, or entrusted to you to be eligible for coverage. There are specific limits in place: a maximum of $250 per item or pair/set of items. Additionally, if you carry a laptop computer, it is covered up to $1,000, and this applies to one item per policy.

The Insurer understands that sometimes accidents happen. That’s why they consider wear and tear and depreciation when settling claims. In case of loss or damage, they may choose to make a payment, reinstate, or repair the damaged personal baggage, always striving to provide the best solution for your situation.

The Insurer will use the following table as a guide to determine the items’ fair value:

In the event of lost or damaged baggage, report the incident within 24 hours. Additionally, inform the hotel, airline, or any service provider involved, as they have jurisdiction at the location of the loss.

When making a claim, ensure you have proof of denial from the airline or service provider. This documentation is essential for proper claim processing.

To ensure a successful claim, it’s important for you to take reasonable precautions. This includes:

• Never Leaving Baggage Unattended: Always keep an eye on your baggage and personal effects, especially in public places. Avoid leaving them unattended to minimise the risk of loss or theft.
• Ensuring Safety: Take necessary precautions to safeguard your personal property and baggage. Being vigilant enhances the security of your belongings.

Claims for lost or damaged baggage should be made directly to the airline or service provider first. If a payment is made under this policy, proof of compensation received from the airline or service provider must be provided, or proof of denial if compensation is denied.

Exclusions for Section 15: Protecting Your Valuables

• Failure to Report Promptly: The Insurer is unable to process claims for losses not reported to the police or transport carrier within 24 hours of discovery.
• Excluded Items: Certain items are not covered, including animals, motor vehicles, boats, perishables, antiques, art objects, and more. Additionally, losses due to wear and tear, insects, or inherent damage are not eligible for coverage.
• Loss Due to External Factors: Loss or damage resulting from government actions, insurrections, or customs regulations, as well as losses covered by other insurance policies, are excluded.
• Unattended Property: Loss or damage to baggage left unattended in public places is not covered, emphasising the importance of vigilance.
• Negligence and Wilful Acts: Claims cannot be made for losses due to your negligence, wilful acts, or carelessness.
• Excluded Items: Various items like fragile articles, cash, credit cards, and travel documents are not covered. Additionally, losses due to mysterious disappearances are excluded.

Please note that this policy allows claims under Sections 15, 16, or 18 for the same event but restricts payment to only one of these sections. 

Section 16: Baggage Delay

• Minimum Delay Requirement: The Insurer will not provide compensation unless the delay in receiving checked-in baggage exceeds six (6) hours after you arrive at the baggage pick-up point Overseas or in Singapore.
• Maximum Compensation Limit: The compensation provided is limited to $100 for every six (6) consecutive hours, with a maximum payout as per the Table of Benefits. This amount is applicable per claim, not per individual piece of baggage.
• Documentation Requirement: To process a claim, a Property Irregularity Report or equivalent document issued by the carrier is essential. This report should specify the date and time of the loss and the date and time the baggage was eventually delivered to you.
• Restriction on Multiple Claims: This policy allows claims under Sections 15, 16, or 18 for the same event, but only one of these sections will be compensated. Claims cannot be made under multiple sections for the same baggage delay event.

Section 17: Loss of Travel Document (Including Money)

• Reporting Requirement: To qualify for indemnity, any loss of travel documents, money, or related expenses must be reported to the local police within twenty-four (24) hours of the incident. A copy of the police report is mandatory for processing the claim.
• Eligible Loss Causes: The Policy will only indemnify you for costs incurred due to robbery, burglary, theft, or Natural Disasters while Overseas. Losses not arising from these specified events are not covered.
• Limitation on Replacement Passports: If replacement passports are to be obtained upon your return to Singapore, the coverage is limited to the actual cost of obtaining the passports. Transport or other incidental costs incurred in Singapore are not covered.
• Maximum Reimbursement for Cash Loss: The policy reimburses you up to $350 (based on the selected plan) for the loss of cash, travellers’ cheques, or bank notes due to robbery, burglary, theft, or Natural Disasters Overseas. Claims must be supported by written documentation from the local Police and reported within twenty-four (24) hours of the loss.

Exclusion for Section 17: Loss of Travel Document (Including Money)

The Policy will not pay for:

• Exchange Rate or Depreciation Loss: Any shortage in the claimed amount due to fluctuations in the exchange rate or depreciation in the currency’s value is not covered under this policy.
• Unreported Loss of Travellers’ Cheques: Loss of travellers’ cheques must be immediately reported to the local branch or agent of the issuing authority. Failure to report the loss promptly may result in non-payment of the claim.

Section 18: Travel Delay Coverage

In the event that the departure of your scheduled public conveyance or any licensed air, land, or water transport, part of an organised tour, is delayed for three (3) consecutive hours or more due to major unexpected events, civil unrest, riot, commotion, strike, adverse weather conditions, mechanical breakdown, or structural defect, this Policy will cover accordingly.

Exclusions for Section 18: Travel Delay

• Short Delays: Delays lasting less than three (3) consecutive hours are not covered under this policy.
• Excluded Transport: Delays involving taxis, private cars, or any unlicensed conveyances are not eligible for compensation.
• Non-Covered Causes: Delays not caused by major unexpected events, such as civil unrest, riot, commotion, strike, adverse weather conditions, or mechanical breakdown/derangement are excluded from coverage.
• Delays in Singapore: Compensation for delays within Singapore is capped at a maximum of $50, provided the delay extends for a minimum of three (3) hours.
• Failure to Follow Itinerary: Resulting from your failure to adhere to the provided itinerary, including failure to check in as per the supplied schedule. Also, if you do not obtain written confirmation from the carriers or your agents regarding the number of hours delayed and the reason for the delay.
• Known Events: Arising from major unexpected events, civil unrest, riot, commotion, strike, adverse weather conditions, or actual or suspected mechanical breakdown/derangement or structural defect of the public conveyance. However, this exclusion applies if these events were publicly known at the time you booked the trip or purchased this insurance, whichever occurred last.

Note: This policy will pay for any claim under either Section 18 or 19 for the same event but not for both.

Section 19: Flight Diversion

Under this policy, the Insurer will provide compensation to you, the Insured Person, in the event of flight diversion:

• Compensation Amount: You will receive $100 for every six (6) consecutive hours of delay.
• Maximum Limit: The compensation is capped at a maximum limit of $300.

Conditions for Coverage:

Reasons for Diversion: Compensation will be provided if the scheduled flight is diverted due to a major unexpected event, adverse weather conditions, actual or suspected mechanical breakdown or derangement, or structural defect of the air carrier. These conditions must prevent you from continuing your trip or result in a delayed arrival at the planned destination.

Exclusion for Section 19: Flight Diversion

This policy does not cover flight diversions resulting from a major unexpected event or adverse weather conditions that were publicly known at the time the you booked your trip or purchased this insurance, whichever occurred last.

Please note that this policy will only pay for any claim under either Section 18 or 19 for the same event, not for more than one of these sections.

Section 20: Flight Overbooking

In the event that you, the Insured Person, are unable to board the aircraft while overseas due to flight overbooking, despite having a confirmed reservation from the airline, and no alternative transportation is provided within six (6) consecutive hours, the insurer will compensate up to the limit specified in the Table of Benefits. This benefit is applicable once for each trip originating from Singapore.

Please be aware that this policy will cover claims under either Section 20 or 21 for the same event, but not for more than one of these sections.

Section 21: Travel Misconnection

In the event that you, the Insured Person, missed a confirmed onward travel connection while overseas at the transfer point due to the late arrival of your incoming confirmed connecting carrier, or any air, land, or water conveyance operating under a valid license in the country you are in (except taxis and private cars), and no alternative onward transportation is provided within six (6) consecutive hours from your arrival, the Insurer will cover reasonable expenses for hotel accommodation, meals, or refreshments up to the specified limit in the Table of Benefits.

Exclusion applicable to Section 21

The Insurer will not pay for any claims under this section if you, the Insured Person’s incoming carrier was scheduled to arrive after the stated check-in time required by the connecting carrier.

Please note: This policy will only cover claims under either Section 20 or 21 for the same event, but not for more than one of these sections.

Section 22: Travel Postponement

Here’s what the Policy covers:

• Personal Emergencies: The Policy will cover if there’s a death, serious illness, or injury affecting you, your family, or your travel companion. Also, if you’re put under compulsory quarantine.
• Unforeseen Events: Major unexpected events that hinders your travel plans.
• Home Trouble: Serious damage to your home in Singapore due to a fire or natural that happens within 1 week before your departure.
• Legal Obligations: Unexpected court appearance.
• Guardian’s Postponement: If you’re a child and your legal guardian, who’s also your travelling companion, has to cancel due to any of the reasons above, we’ve got your delay sorted out.

Exclusions for Section 22

• Government Regulations: Any loss or charge stemming from government regulations or control won’t be covered.
• Cancellation by Providers: If your plans change due to cancellation by the carrier or any other travel or accommodation provider, it’s not covered.
• Overlap with Other Insurances: If the situation is already covered by another insurance scheme or government program, we can’t provide additional coverage.
• Refunds from Providers: If hotels, airlines, travel agents, or other providers refund your money, we won’t double-pay.
• Last-Minute Purchases: If you buy this insurance less than three (3) days before departure, it won’t cover postponement unless it’s due to your death or the death of a Relative or Travel Companion caused by an accident.
• Known Unexpected Events: If the unexpected event was publicly known when you booked your trip or purchased this insurance, it won’t be covered.
• Air Miles and Points: Compensation for air miles, holiday points, memberships, or credit card redemptions used to pay for the trip won’t be covered.

Section 23: Personal Liability Abroad

Under Section 23 of the Policy, the Insurer provides coverage for legal liability to a third party during your overseas trip, including:

• Death or accidental Bodily Injury to a third party; or
• Accidental loss of or damage to a third party’s property.

This coverage extends up to the specified limit.

Exclusions for Section 23

• Property Exclusion: Benefits do not apply to property belonging to your family member or employee, or property considered legally as your employee.
• Family and Employee Liability: No coverage for liability towards family members, employees, or those legally considered employees.
• Personal Property: No coverage for liability involving property owned or controlled by yourself.
• Contractual Liability: Liability assumed under a contract is not covered.
• Intentional or Unlawful Acts: No coverage for liability arising from your intentional, malicious, or unlawful acts.
• Specific Possessions: Liability involving vehicles, aircraft, watercraft, firearms, or animals is not covered.
• Ownership or Occupation: Liability related to owning or occupying land or buildings (except temporary residences) is excluded.
• Trade, Business, or Profession: Liability related to any trade, business, or profession is not covered.
• Criminal Acts: No coverage for liability arising from criminal acts or legal costs related to criminal proceedings.
• Participation in Races: Liability arising from participation in motor rallies, car, motorcycle, boat, or aerial racing is excluded.
• Jurisdiction: Judgments not obtained from a court of competent jurisdiction within Singapore are not covered.
• Punitive Damages: Punitive, aggravated, or exemplary damages are not covered.

Additionally, as a condition for our liability, you must not make any payments, admit liability, or engage in litigation without the Insurer’s written approval.

Section 24: Hijacking / Kidnapping and Hostage

If the plane you’re on gets hijacked for more than six hours, the Insurer will pay up to $250 (depending on the plan) for every six consecutive hours, up to the limit in the benefits table.

The Insurer will also pay the same amount if you are held hostage due to a kidnapping during the trip.

Exclusion to Section 24

• Fraudulent or Criminal Acts: If you are involved in fraudulent, dishonest, or criminal activities.
• Specific Locations: Events occurring in your country of residence, regions like Central or Southern America, Africa, or any country where United Nations armed forces are active.
• Property Loss: Actual loss or damage to any type of property, including intellectual property, as a result of kidnapping and hostage situations.

As a condition prior to assuming liability, the Insurer requires:

• Proof of Event: Clear evidence that the event has taken place.
• Immediate Notification: Prompt oral and written notification of the incident and regular updates on any ongoing activities during the event.
• Law Enforcement Involvement: If it is in your best interest, notify the relevant national or other appropriate law enforcement agency with jurisdiction over the matter.

Section 25 – Automatic Extension Of Cover

If you, the Insured Person, is unable to complete the return leg of your planned trip due to:

• Serious Bodily Injury or Serious Illness affecting you, or
• Unavoidable delays of the scheduled Public Conveyance caused by strike, adverse weather, or mechanical issues,

Your insurance coverage will be extended automatically. This extension lasts for up to seven (7) consecutive days at no extra cost. However, you must provide relevant documents proving the situation to the Insurer.

Section 26: Act of Terrorism Cover (in aggregate for the above Sections 1 to 25)

The Insurer provides coverage for death or permanent disablement resulting from any Act of Terrorism. Compensation will be paid up to the limit specified in the Table of Benefits.

Free Travel Assistance Service

As part of the Insurer’s service, you can access the following assistance services provided by AGA:

• Travel Information And Emergency Assistance Services
• Pre-Trip Information Services
• Inoculation Requirements & Visa Requirements
• 24-hours Emergency General Travel Assistance (English & Mandarin)
• Embassy Referral
• Loss Luggage Assistance
• Loss Passport Assistance
• Emergency Message Transmission Assistance
• Interpreter Referral
• Telephone Medical Advice
• Medical Service Provider Referral
• Arrangement of Appointment with Local Doctors
• Arrangement of Hospital Admission
• Guarantee of Medical Expenses Incurred
• Monitoring Medical Condition during Hospitalisation with the Attending Physician

To access these services, simply dial +65 6415 8694, the Emergency Services Hotline, and provide your policy number. Consultation with AGA is free. Any third-party costs and expenses incurred are covered under this Policy, subject to the terms and conditions outlined.

Section 27: Home Contents Cover (for Savvy & Luxury plans only)

The Insurer will compensate you for loss or damage to your Home Contents within your Home caused solely and directly by a fire or burglary during your Trip.

Section 28: Extension of Coverage for Pre-existing Conditions (for Pre-Ex Plans only)

This section specifically pertains to Tiq Travel Insurance Pre-Ex Plans and applies exclusively to single return trips lasting up to thirty (30) days.

For any claim under Section 28, you or your representative must promptly contact AGA when circumstances permit.

To qualify for Tiq Travel Insurance Pre-Ex Plan cover, you must meet the following criteria:

• You must adhere to your treating doctor’s advice regarding all pre-existing medical conditions. This includes not refusing or delaying any monitoring, medical appointments, tests, medications, treatments, or surgeries.
• You must not have any medical condition or symptoms for which you have not consulted a doctor, or for which they are awaiting medical tests, results, diagnoses, treatments, or surgeries.
• In the last 12 months, you must not have had any pre-existing medical condition that necessitated:
• Multiple visits to a hospital’s Accident and Emergency Department.
• Inpatient stays in a hospital for more than three consecutive days.
• Multiple inpatient stays in a hospital

What is Covered

During a trip outside Singapore, if you, the Insured Person, experiences an acute onset of a pre-existing medical condition, the Insurer will extend the benefits under the following sections:

Section 2 – Medical Expenses Incurred Overseas: Covers medical expenses you incurred by up to thirty (30) days from the date of the acute onset of the pre-existing medical condition during the trip.

Section 4 – Overseas Hospital Income: Provides coverage for overseas hospital expenses incurred due to the acute onset of a pre-existing medical condition during the trip.

Section 10 – Emergency Medical Evacuation: Covers expenses related to emergency medical evacuation necessitated by the acute onset of a pre-existing medical condition during the trip.

Section 11 – Repatriation of Mortal Remains: Covers the expenses for repatriating mortal remains to Singapore, if the acute onset of a pre-existing medical condition results in demise during the trip.

The maximum amount payable for the sections extended under this Section 28 is specified in the Table of Benefits. Please note that these limits are sub-limits of the respective sections extended and are not in addition to the limits stated in each section.

Exclusion to Section 28

In addition to the   General Exclusions (pages 35-36) , this Section does not cover claims arising from:

• Any pre-existing medical condition that worsens within thirty (30) days before the trip’s commencement, necessitating specialist consultation, investigative tests, surgery, altered treatment, medication, or dosage adjustments. (Note: Routine changes for lowering blood cholesterol are exempt.)
• Terminal illness, regardless of whether the diagnosis occurred before or after obtaining this insurance.
• Outpatient medical treatments are not covered under this section.
• Medical expenses incurred in Singapore are not part of the coverage.

Optional Add-Ons

Section 29: child education cover.

In the unfortunate event that you, the Insured Person sustain a fatal injury due to an Accident during the Trip, and this injury is the sole cause of your death within six (6) months, the Insurer will provide:

• A payment of $3,000 for each of your Legal Child.

The maximum payout for this section is capped at $15,000.

Section 30: Rental Car Excess Cover

In the case where you, the Insured Person, become contractually responsible for the excess or deductible for loss or damage to a rental car from a licensed rental agency overseas during the Trip, the Policy will cover:

Payment of the excess or deductible up to the specified limit.

Terms and Conditions under Section 30:

To be eligible for coverage, the following conditions must be met:

• You must be a named driver or one of the named drivers of the rented private vehicle.
• The loss or damage must be covered by the insurance policy of the rented car.
• You must comply with all terms and conditions of the rental agreement.
• The rental car must be obtained from a licensed car rental business.
• At the time of the accident, you must have been licensed to drive the vehicle and not involved in speed trials, time trials, or under the influence of alcohol, drugs, or any substance abuse.

Section 31: Pet Hotel Cover

If you, the Insured Person, places your cat or dog in a kennel, cattery, or pet hotel during the Trip and are unable to collect your pet as agreed with the kennel/cattery or pet hotel for more than six (6) consecutive hours due to the delay of the final inbound common carrier to Singapore, the Insurer will provide coverage as follows:

• Compensation of $50 for every full six (6) consecutive hours of delay per Insured Person. The maximum payout under this section is $1,000.

Section 32: Sports Equipment Protector

The Policy covers loss, theft, or accidental damage to you, the Insured Person(s)’ Sports Equipment while Overseas. The coverage includes payment, repair, or replacement (at the Insurer’s discretion) of the item. If an item is beyond economic repair, it will be treated as lost or stolen.

Covered Sports Equipment:

• Diving gear
• Fishing equipment
• Ski equipment
• Climbing gear

Coverage Details:

The Insurer will pay the reasonable cost of hiring replacement equipment if the covered items are accidentally damaged, stolen, or temporarily lost for more than eight (8) hours during the Overseas Trip, up to $100 per day for hiring costs.

The payment is up to the limit stated in the Table of Benefits.

You must provide proof of purchase such as receipts or credit card statements. The Insurer will pay the original price for the item or pair/set of items, deducting an allowance for wear, tear, and depreciation.

In the absence of proof of purchase, the Insurer will pay up to $50 per item, pair, or set, with a maximum limit of five (5) items, pairs, or sets.

For items that are part of a pair or set, the payment will be a proportionate part of the value of the pair or set. A pair or set of items is considered one item even if purchased separately and from different brands.

Coverage does not extend to any loss, destruction, or damage while the Sports Equipment are in use during sporting activities, practice, or play.

Covid 19 Add-Ons

Conditions for sections 33 to 39 coverage:.

Requirements for Coverage:

• Coverage Specification: The coverage provided by Sections 33 to 39 is applicable only if specified on the Schedule.
• Compliance with Vaccination and Testing Requirements: You must be fully vaccinated and meet the pre-departure and post-arrival testing requirements, if any, imposed by the destination country or transport provider at the time the Trip is booked.
• Claim Submission: When submitting a COVID-19 benefit claim, you must provide the test result, if applicable, or proof of vaccination.

Section 33: Travel Postponement

The Insurer will compensate you, the Insured Person, as stated in the Schedule, if you need to postpone your trip due to a direct consequence of any COVID-19  Specified Cause  (page 3 of the Policy Wordings), occurring within fourteen (14) days before your scheduled departure.

Exclusions and Limitations for Section 33:

• Other Insurance Coverage: The Policy do not cover losses compensated by other existing insurance schemes or government programs.
• Non-Refundable Expenses: Expenses related to tours, seminars, courses, or charges unrelated to transport or accommodation, which are prepaid or non-refundable, are not covered.
• Policy Purchase Timing: If this policy is bought less than three (3) days before the departure date (inclusive), no coverage is provided.
• Known Border Closure: Losses due to a known border closure when booking the trip or purchasing this policy, whichever is later, are not covered.
• Compensation Methods: Compensation for trip payment using air miles, holiday points, or other similar methods is not covered.
• Change of Plans: Changes in travel plans made by you or others are not covered.
• Financial or Business Obligations: Losses due to your financial circumstances or contractual/business obligations, your immediate family, or Travel Companion are not covered.

Important Note: This policy will only pay for claims under Sections 12, 13, 33, 34, and 38. Multiple claims under these sections are not permitted.

Section 34: Trip Cancellation and Loss of Deposit:

If, after purchasing this insurance, you, the Insured Person, has to cancel your Trip due to any COVID-19 Specified Cause, and this cancellation occurs within fourteen (14) days before the departure date (inclusive), the Insurer will reimburse the non-refundable travel and accommodation expenses paid in advance. The reimbursement amount is subject to the limit mentioned in the Table of Benefits.

Exclusions Applicable to Section 34:

• Other Insurance or Government Programs: The Policy does not cover losses compensated by other existing insurance schemes or government programs.
• Government Regulations: Losses due to regulations or orders by any country’s government or relevant authority regarding border closures are not covered.
• Compensation Methods: Compensation for trip payments using air miles, holiday points, or similar methods is not covered.
• Change of Plans: Any changes in travel plans not directly and necessarily caused by a COVID-19 Specified Cause, whether by you or others, are not covered.
• Communication Delays: Any additional costs resulting from a delay in informing relevant transport or accommodation providers about changes in travel plans are not covered.

Important Note: This policy will only pay for claims under any one (1) of Sections 12, 13, 33, 34, and 38. Multiple claims under these sections are not permitted.

Important Information about Policy Coverage:

When the Coverage is Effective:

The coverage provided by the Insurer becomes active under the following circumstances:

• Trip Awareness: The policy must be purchased before you become aware of any circumstances that could lead to the cancellation of your planned Trip.
• Refund Attempts: You must provide documentary proof of the initial attempt to seek a refund of any prepaid expenses from the transport or accommodation provider. If this refund request is denied, the Insurer will cover the remaining irrecoverable transport or accommodation expenses after deducting the refunded amount from the provider.
• Timely Notification: It is essential that the travel agent, tour operator, or transport/accommodation provider(s) are promptly informed as soon as you become aware of any change in travel plans. Timely communication is crucial to activate the coverage.

Note: The above conditions ensure that the coverage under this policy is valid and can be utilised effectively.

Section 35: Medical Expenses Incurred Overseas

The Policy will reimburse you, the Insured Person, for necessary Medical Expenses incurred within ninety (90) days while Overseas due to medical treatment of COVID-19, up to the limit stated in the Schedule. The total Medical Expenses incurred Overseas will not exceed the specified limit.

• Reimbursement and Other Insurance Coverage

If you are eligible for a refund or reimbursement of the expenses from another source or has existing insurance covering the events mentioned in this Section, the Insurer will only cover the excess amount, subject to applicable limits.

It’s important to note that this Policy does not cover expenses related to Specialist treatments not referred by a General Practitioner Doctor. Additionally, costs incurred for mandatory diagnostic tests required for the trip, such as pre-departure and post-arrival tests, are not covered under this Policy.

Note: Understanding these terms is crucial to ensuring that medical expenses incurred overseas due to COVID-19 are appropriately reimbursed, and any overlapping insurance coverage is considered.

Section 36: Overseas COVID-19 Diagnosis Quarantine Allowance

The Insurer will provide compensation if you, the Insured Person, is placed under Compulsory Quarantine while Overseas. The Insurer will pay S$100 for every twenty-four (24) hours of quarantine, up to the limit stated in the Schedule.

• Understanding the Quarantine Allowance:

For the purpose of this coverage, each day of quarantine, even if not consecutive, will be counted toward the total number of days of quarantine. This ensures that any non-consecutive days spent under Compulsory Quarantine are included in the coverage.

Important Note:

Please be aware that Section 36 – Overseas COVID-19 Diagnosis Quarantine Allowance does not cover Compulsory Quarantine within Singapore. It is essential to consider this limitation when planning and understanding the coverage provided under this section.

Section 37: Emergency Medical Evacuation & Repatriation of Mortal Remains to Singapore

The Insurer provides essential support when you, the Insured Person, is diagnosed with COVID-19 while Overseas. If, according to the sole judgment of AGA or its authorised representative, it is medically necessary to move you to another location or back to Singapore for treatment, AGA will organise the evacuation using suitable means. The Insurer will directly cover the associated expenses for this evacuation, up to the limit stated in the Schedule.

• Understanding Emergency Evacuation

The method of evacuation, whether air ambulance, surface ambulance, regular air transportation, railroad, or any other appropriate means, will be decided by AGA based on medical necessity. All decisions regarding transportation and the final destination are made solely on medical grounds.

• Covered Expenses

The covered expenses include services provided or arranged by AGA or its representative for your transportation. This includes medical services and necessary medical supplies incurred during the emergency evacuation.

• Repatriation of Mortal Remains

If you passed away within thirty (30) days of being diagnosed with COVID-19 Overseas, AGA or its representative will manage the return of the mortal remains to Singapore. The Insurer will also cover the reasonable expenses incurred Overseas for services and supplies provided by the mortician or undertaker. This includes costs related to a basic casket, embalmment, and cremation if elected, up to the limit stated in the Schedule. However, please note that expenses related to religious ceremonies or rites are not included in this coverage.

All arrangements for repatriation must be approved and organised through AGA or its authorised representative, unless exceptional circumstances prevent arranging through AGA. In such cases, alternative arrangements deemed reasonable by the Insurer will be considered.

Exclusions Applicable to Section 37

• Limitation of Expenses

The Insurer will not cover any expenses for a service that has not been approved and organised by AGA or its authorised representative. However, exceptions can be made if you, your relative, estate, or Travel Companion incurred such expenses due to circumstances beyond your control, or if AGA could not be reached during the emergency. 

Even in such cases, the Insurer retains the right to reimburse you only for those expenses that AGA or its authorised representative would have provided under similar circumstances, and up to the limit specified in the Schedule.

Section 38: Travel Curtailment & Disruption

• Irrecoverable Loss of Deposit: The Insurer will indemnify you, the Insured Person, for any irrecoverable loss of deposit incurred due to trip curtailment or alteration caused by a COVID-19 Specified Cause.
• Additional Traveling Expenses: The Policy will cover any additional travelling expenses necessarily incurred by you due to changes in the trip itinerary caused by a COVID-19 Specified Cause.
• Pro-rated Amount for Incomplete Days: The Insurer will provide a pro-rated amount for each incomplete day of the remaining trip after adjusting for any sums recovered. This coverage applies if the trip is curtailed or altered due to a COVID-19 Specified Cause.

Exclusions Applicable to Section 38

• Other Insurance or Government Coverage: The Insurer will not pay for any loss or charges covered by existing insurance schemes or government programs.
• Non-Transport or Accommodation Expenses: Charges not related to transport or accommodation, such as prepaid expenses for tours, seminars, or courses, will not be covered.
• Last-Minute Policy Purchases: This policy will not cover cancellations if purchased less than three (3) days before the departure date, inclusive.
• Government Orders and Regulations: The Insurer will not cover expenses resulting from regulations or orders issued by the government or relevant authorities of any country regarding border closures.
• Air Miles or Holiday Points: Compensation for the use of air miles or holiday points, whether partial or full payment for the trip, will not be covered.
• Personal Decisions: Changes in travel plans made by you or any other individual travelling will not be covered.
• Financial Circumstances: The Insurer will not cover losses due to your financial circumstance, your immediate family member, or Travel Companion, or any contractual or business obligations they have.
• Delayed Communication: Additional costs resulting from delayed communication with relevant transport or accommodation providers about changes in travel plans will not be covered.
• Note: This Policy will only pay for any claims under one (1) of the specified Sections and not for more than one of these Sections.

Conditions of Coverage

• Early Purchase: This coverage is effective only if this Policy is purchased before you become aware of any circumstances that could lead to the curtailment or disruption of a planned Trip.
• Documentary Proof of Refund Attempt: The Insurer requires documentary proof of the your first attempt to seek a refund of any prepaid expenses from the transport or accommodation provider. If the refund request is denied, the Insurer will pay the balance of irrecoverable transport or accommodation expenses after deducting the refunded amount.
• Timely Notification to Travel Providers: The effectiveness of this coverage also depends on the timely notification of changes to the travel agent, tour operator, transport, or accommodation providers. You must inform them at the earliest possible time once they are aware of any change in travel plans.

Section 39: Hospitalisation Benefit in Singapore

If you’re diagnosed with COVID-19 abroad and hospitalised upon your return to Singapore, you’ll receive a one-time lump sum benefit as stated in the Schedule. Please note that this benefit is applicable only if you’re hospitalised within twenty-four (24) hours from your return to Singapore.

How to file a claim 

To file a claim with Etiqa, you have many options. 

You can reach out to Etiqa to receive the claims procedures, or you can complete the online claim form. Remember to attach the necessary original documents. 

If you’re a TiqConnect account holder, you can seamlessly submit your claims through  TiqConnect . 

It’s also available via mobile apps on Apple and Android. 

Also, with Tiq Travel Insurance, you benefit from hassle-free automatic claims for 3-hour flight delays (no need to submit a claim). 

Plus, you can enjoy instant claims encashment via PayNow, making it simpler than with most other insurers to claim compensation for travel inconveniences

Contact Information

Other things to note about etiqa.

Etiqa Insurance Singapore is a partnership between Maybank, one of Southeast Asia’s largest banking groups with over 22 million customers worldwide, and Ageas, a well-known international insurance group with a rich 190-year history, serving 33 million customers across 16 countries.

Tiq is its digital arm. Among its recent achievements are: 

• Best in eCommerce Brand (Financial Services) in Gold by Asia eCommerce Award in 2022
• Best Travel Insurance (Annual) by Tripzilla Excellence Award in 2022
• Best Online Buying Experience (Insurance) by Tripzilla Excellence Award in 2022
• Most Popular Travel Insurance Company by Tripzilla Excellence Award in 2022

My Review of Tiq by Etiqa Travel Insurance

In this section, the insurers that we’re comparing Etiqa TIQ Travel Insurance (with Covid-19 cover) against are:

• AIG Travel Guard Direct 
• AIA Around the World Plus (II) 
• Allianz Travel Bronze
• Klook TravelCare 
• MSIG TravelEasy 
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance 
• Singlife Travel Insurance 

We took only some of the more significant benefits for comparison. 

The comparison will be according to an individual travelling to Thailand for a week, using the lowest-tiered plan offered by all insurers. 

Also, we will include an add-on for COVID-19 benefits.

The one standout feature is that it offers the among the highest amount of coverage is for accidental death and TPD, up to $200,000, equal to some other insurers provide.

It also has one of the lowest premiums (second only to Klook TravelCare Lite) on the list.

Hence, if you’re a budget-conscious adventurer like me, Tiq Travel Insurance is a fantastic choice. 

It’s affordable, covers a wide range of activities, and offers reliable emergency assistance and medical coverage.

Plus, if you’re a big family on the go, Etiqa’s family plans cover up to 8 children, including young adults up to 25 years old who are full-time tertiary students in Singapore. 

And for elderly parents, the Tiq Pre-Ex travel insurance provides comprehensive coverage and peace of mind while travelling.

So if you have a pre-existing medical condition, this is, in our opinion, the best travel insurance policy for you.

Tiq Travel Insurance also offers a range of additional benefits, such as emergency assistance, medical expenses, and travel delays. 

They also have a 24-hour emergency assistance hotline that is available in multiple languages, including English, Mandarin, and Cantonese.

One of the standout features of Etiqa Travel Insurance is its customer service. 

They have a team of experienced customer service representatives who are available to answer questions and provide assistance 24/7. 

They also have a comprehensive website that provides detailed information about their policies and the benefits they offer.

In terms of pricing, Etiqa Travel Insurance is generally considered to be affordable, with prices starting at around $10 per day. 

They also offer discounts for longer trips and for booking multiple policies at once.

There are so many pros to the Tiq Travel Insurance plan that we’ve named it the  best single-trip travel insurance  and  best annual trip travel insurance in Singapore  – winning multiple categories in both!

But if you’re someone who can’t handle flight delays and lost luggage, Etiqa Travel Insurance may not be the best option for you. 

The benefits in this aspect are limited, so you might want to consider other options.

Here are some additional pros and cons of Tiq Travel Insurance based on information gathered:

• Affordable pricing
• Coverage for Pre-existing conditions (under Pre-Ex Plan)
• Special Benefits like Hijacking/Kidnapping and Hostage, as well as Acts of Terrorism
• 24-hour emergency assistance hotline
• Excellent customer service
• Detailed website with policy information
• Limited coverage for certain types of trips, such as cruises and package tours
• No coverage for pre-existing medical conditions (for Non-Pre Ex Plans)
• Some customers have reported difficulty in getting claims processed

Overall, Tiq by Etiqa’s Travel Insurance is a great value for budget-conscious adventurers who want to ensure they’re protected while exploring the world.

There are always new promotions ongoing for the Tiq Travel Insurance, so be sure to  check before you purchase .

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Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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Frequently Asked Question

All claims must be notified to us as soon as possible within 24 hours, but not later than 30 days after the loss or damage. You can submit your claims online at  www.etiqa.com.my  or via email to  [email protected] , or simply WhatsApp us at +603-2780 4677 or  www.eti.qa/whatsapp  (available 24/7). Please refer to the Insurance Policy for more information on Claims Notification, Procedure and Settlement.

Domestic (Malaysia)

Coverage commences from the effective date at 12:01 am Malaysian time and ceases on whichever of the following occurs first:

• Immediate upon arrival at your home of residence in Malaysia; or
• The expiry of the period of Insurance at 23:59 pm Malaysian time, on the date specified under the Policy.

International (Asia, Worldwide 1 & Worldwide 2)

Coverage commences 6 hours prior to the booked departure time for a direct journey to the place of embarkation in Malaysia and ceases on whichever of the following occurs first:

• 6 hours after booked arrival time at the final destination in Malaysia;
• Immediate upon arrival at your home residence in Malaysia; or
• The expiry of the period of Insurance sspecified in the policy. Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalised and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the Insurance expiry.

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

Submit Failed.

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Insured but still looking?

Let us know when your policy ends and we’ll send you a reminder to switch to Tiq by Etiqa Insurance. Set. Relax. No Regrets!

Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 18 April 2024.

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Etiqa Travel Insurance: 5 Reasons Why It’s Worth Considering

There is no doubt about the need to sign up for a travel insurance policy when planning a vacation. Though flight trips can be enjoyable, mishaps are always possible. So, it’s best to have coverage to protect you against financial losses.

But more than a dozen brands offer travel policies with different coverage options that can make travellers’ lives difficult. In this article, we will explore Etiqa travel insurance by Maybank and why its worth considering among the many brands.

Etiqa TripCare 360 key selling points

For the uninitiated, Etiqa’s travel plan is called TripCare 360. It provides complete coverage like many brands, so you can travel anywhere with peace of mind. The following five reasons are its key selling points and why it’s one of the most sought-after plans by local travellers.

Cashless medical care 

Etiqa TripCare 360 policyholders benefit from cashless medical care for accidents and illnesses during overseas trips. With just one phone call to Etiqa’s 24/7 hotline, you can be admitted to the nearest hospital without payment.

Etiqa will also provide a Letter of Guarantee to eligible policyholders to assist the process. Under TripCare 360, you can receive up to RM500,000 (maximum of RM1.5 million per family) for medical-related expenses if you’re a Platinum customer.

Protection for loss of valuables 

You are also protected against a range of losses of valuables. This includes loss or damage to your baggage, money, travel documents, personal belongings and home care.

Individual compensation ranges from RM500 to RM5,000. Loss or damage to valuables resulting from theft, mishandling of your property, and more are covered. So, it certainly makes the claims process easier.

Compensation without claims submission

Most policies require that you submit a claim to receive compensation for travel inconvenience. But with Etiqa’s TripCare 360, you will be compensated for flight delays even without submitting a claim.

Policyholders can get RM100 when their flight is delayed for 2 hours without submitting any claim. Every 6 hours after that, an additional RM250 will be given. Platinum customers are entitled to a maximum reparation of RM5,000 per individual and RM12,500 per family.

Additional coverage for amateur sports

If you love adventurous activities but are worried about accidents, you can rest assured, as Etiqa’s TripCare360 covers that too. This travel insurance policy is an all-rounder. It offers coverage for death, permanent disability, and medical treatment for various amateur sports, including but not limited to bungee jumping, sky diving, water sports and rock climbing.

As these activities don’t always end well, protection is key to making up for any possible loss. However, the coverage is only available if you pay an additional premium to your existing policy.

Fast and easy claims

Making claims under Etiqa travel insurance is seemingly easier compared to other policies. You can make quick claims via WhatsApp at +603-27804677 or www.eti.qa/whatsapp. Etiqa’s claims careline and emergency travel helpline operates 24 hours a day, seven days a week, and 365 days a year.

As a renowned insurance provider in the country, it has over 400,000 service providers worldwide and supports 40 languages. You’re never alone when travelling with Etiqa’s TripCare 360. The policy is one of the best and is certainly worth choosing. Visit Bjak now to compare Malaysia’s best travel insurance policies, including Etiqa.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

• What Is Travel Inconvenience Coverage?
• Travelling With Pets: Safety Tips To Get You Started
• What Is Travel Insurance Lifestyle Cover?

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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Terms and conditions of covid 19 rider.

• RT-PCR Test is part of the medical expenses limit and is ONLY covered for symptomatic patients
• Hospitalization due to COVID 19 will only be covered IF medically required and necessary as determined by a medical practitioner based on the condition of the Insured patient.
• Any quarantine expenses are NOT covered either as a requirement upon arrival in the foreign country (i.e., known risk) or as a requirement for a COVID positive Insured.
• We do not cover any medical evacuation / repatriation of people with the active virus.
• We do NOT cover the hospitalization expenses IF the quarantine facility for an asymptomatic or mild case patient is in a hospital in that particular country abroad.
• Medical check-ups due to COVID 19 for symptomatic patients that do not require hospitalizations (i.e., mild cases) IS NOT covered; Only the RT PCR Tests are covered for MILD cases that would not require hospitalization.
• For Trip Cancellation coverage (Prior to leaving the Philippines): “Serious illness understood as any unexpected alteration of the Insured's state of health that involves risk of death or implies hospitalization and makes it impossible to start the contracted trip”. If the reason for cancellation is due to COVID 19, the insured is obliged to submit a positive COVID 19 test performed 14 days before the start of the trip. [Contracting COVID 19 would require a positive COVID 19 test to validate that Insured has COVID 19, and would not rely on self-diagnosis or unsubstantiated doctors report.
• EXCLUDES coverage on expenses due to prolonging the stay of a positive COVID 19 who cannot travel but is asymptomatic and has not required medical attention and carrying out COVID 19 tests as a preventive measure or in asymptomatic policyholders, expenses related to mandatory quarantines without medical criteria. For those who have undergone hospitalization, our policy has a standard wording that only allows allow automatic extension of up to 10 days only from the initial expiry date if extension is due to a covered illness.
• Commercial gestures related to COVID 19 Coverages, by general definition, will not be allowed unless covered under the Terms and Conditions of this COVID 19 Travel Rider Indemnified Package.
• We reserve the right to the possibility of cancelling the travel insurance subscription to certain destinations if we see the possibility of adverse loss experience or increase in utilization in that particular destination abroad.
• This COVID Rider is specific to COVID-19 ONLY and will not extend to cover any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein.
• This is applicable to International Travel ONLY

PREMISES OF THE COVERAGE

• Can only be covered as a rider to the Travel Assistance Reinsurance Program and not as a separate / stand-alone new program
• For the purposes of issuance, it can go as an additional coverage or an optional rider that is attached to the contracted policy under the Travel Reinsurance Contract within its particular conditions.

IMPORTANT NOTES

• Quota Sharing
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• Maximum Days of Coverage allowed (Indemnified Program)
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• We do NOT cover any medical evacuation / repatriation of people with the active virus.
• Any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein are also NOT covered under the main travel contract.
• This is applicable to International and Domestic Travel

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How to Find the Best Umbrella Insurance

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When looking for the best umbrella insurance, ask each company what’s covered — and what’s not.

You may need to boost the limits on your underlying policies before buying umbrella insurance.

Get quotes from at least three insurers before making a decision.

If you caused a major car accident and the other driver sued you to cover their medical costs, would you have enough liability insurance to pay the damages? In a financially disastrous situation like this one, an umbrella insurance policy could help.

Umbrella insurance offers extra liability coverage beyond what’s on the policies you already have, such as auto or homeowners insurance. But there can be big differences from one umbrella policy to the next, including coverage details and maximum limits. Here’s how to find the best umbrella insurance for you.

How to find the best umbrella insurance

When comparing umbrella insurance options, consider the following questions.

What’s covered?

A standard umbrella insurance policy will cover injuries or property damage you cause to others, as well as your legal defense for such claims. But the nitty-gritty details may vary between policies.

For example, if your idea of a fun vacation is renting a Jet Ski and hitting the water, know that some umbrella insurers won’t cover these kinds of personal watercraft. The best umbrella insurance coverage for you will include your hobbies and other activities.

Many umbrella policies offer coverage anywhere in the world, which could be useful if you often travel overseas. But some policies may pay only for lawsuits brought in the U.S. or Canada.

You might also see some insurers offering excess liability policies, which tend to be similar but not identical to umbrella policies. Excess liability policies essentially boost the limits on the coverage you already have, while umbrella policies may also offer extra types of coverage that aren’t available on your existing policies.

An independent insurance agent can help talk you through exactly what’s covered and what isn’t by each policy you’re considering.

Check out our umbrella insurance guide to learn more.

How much underlying coverage is required?

Insurers often require a minimum amount of liability insurance on your underlying policies before you can buy umbrella insurance.

For instance, to add umbrella coverage to your car insurance, your policy may need to have $250,000 of bodily injury liability coverage and $100,000 of property damage liability coverage. To add umbrella coverage to a homeowners policy, you often need $300,000 of liability insurance.

If your existing policies fall short of these limits, increasing your coverage amounts will likely raise your premiums.

» MORE: Liability car insurance: What it covers and how it works

Can you buy your policies from different companies?

Before they sell you an umbrella policy, many insurers require that you carry your auto, homeowners, condo or renters insurance with them, too. RLI and Auto-Owners Insurance are two companies that offer stand-alone umbrella insurance policies, meaning you could carry your auto or homeowners coverage with someone else.

How much coverage should you buy?

Another factor to look at when shopping is the maximum limit a company offers. Most umbrella policies stop at $5 million, but some go higher. Farmers , for instance, offers umbrella insurance up to $10 million in most states, while Chubb 's umbrella limits go up to $100 million.

When choosing your coverage limit, add up the value of your assets , such as savings, investments and real estate. These are things you could lose if someone files a lawsuit against you. Consider choosing an umbrella liability limit at least high enough to cover all your assets.

» MORE: How to calculate your net worth

Where to buy umbrella insurance

Many major carriers offer umbrella insurance. A good first step is to call your current auto and home insurer and request an umbrella insurance quote. Remember that you may have to increase the coverage limits on your underlying policies, which could raise your total cost.

If you have coverage with multiple companies, ask how much it would cost to move all your policies to that company, including the new umbrella. See if a bundling discount could reduce the total cost of your premiums.

Take this opportunity to shop around. Since you’re adding a new type of insurance and potentially raising the coverage limits on your existing policies, you may find that your current insurer no longer offers the best value.

We recommend getting quotes from at least three companies before making a decision. An independent agent or broker can shop around on your behalf and explain the coverage differences between policies.

» MORE: What is personal liability insurance for homeowners?

Umbrella insurance companies to consider

Below are some of the major umbrella insurance companies in the U.S., along with details about their coverage limits and eligibility requirements. Keep in mind that smaller regional insurers may also offer solid coverage at an affordable price. A local insurance agent can help you find them.

Coverage limits: $1 million to $5 million.

States available: Washington, D.C., and all states except Alaska, Massachusetts, Nevada and New York.

Eligibility requirements: You must have underlying policies with at least the following limits:

» MORE: Allstate home insurance review

States available: Washington, D.C., and all states except Hawaii.

Eligibility requirements: Requirements vary by state. Generally, your underlying policies must meet the following minimums:

» MORE: Amica home insurance review

Auto-Owners

Coverage limits: $1 million to $5 million, with additional limits potentially available.

States available: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Eligibility requirements: Eligibility requirements differ depending on underlying policy, underlying carrier and where you live.

» MORE: Auto-Owners home insurance review

Coverage limits: $1 million to $100 million.

States available: All 50 states and Washington, D.C.

Eligibility requirements: Minimum limits for underlying policies vary by state.

Note: Chubb’s policy is technically an excess liability policy, not an umbrella policy.

» MORE: Chubb home insurance review

Coverage limits: $1 million to $10 million, except in Florida and California, where the maximum limit is $5 million.

States available: All states except Alaska, Delaware, Hawaii, Kentucky, Louisiana, Maine, Massachusetts, Mississippi, New Hampshire, North Carolina, Rhode Island, Vermont, Washington, D.C., and West Virginia.

Eligibility requirements: Farmers must insure at least one car with bodily injury liability limits of at least $250,000 per person and $500,000 per accident. You can insure your home with any company as long as it has at least $300,000 of liability coverage.

» MORE: Farmers home insurance review

Coverage limits: $500,000 to $10 million. (Limits above $2 million require additional eligibility requirements.)

States available: Washington, D.C., and all states except Alabama, California, Georgia, Montana, Nevada, New York, Texas and Washington. In the states where Geico doesn’t currently sell umbrella insurance, it can offer a policy through a partner carrier.

Eligibility requirements: You generally must have all vehicles insured with Geico and have the following minimum coverage limits on any relevant underlying policies:

» MORE: Geico home insurance review

Liberty Mutual

States available: All states except California, Georgia, Louisiana and New Jersey. Coverage limits and requirements vary by state.

Eligibility requirements: You generally must have a Liberty Mutual auto policy with at least the limits below, but requirements may vary by state. The other policy types are optional, but if you have any of them, the liability limit must be at least $100,000.

» MORE: Liberty Mutual home insurance review

States available: Washington, D.C., and all states except Alaska, Hawaii, Louisiana and Oklahoma.

Eligibility requirements: It depends on where you live. In most cases, all vehicles and your primary home must have Nationwide policies with at least the following limits:

» MORE: Nationwide home insurance review

Progressive

States available: All except Alaska, Hawaii, Wyoming and Washington, D.C.

Eligibility requirements: Vary by state.

» MORE: Progressive home insurance review

Coverage limits: $1 million to $5 million, with higher limits available through the USAA Insurance Agency.

Eligibility requirements: USAA policies are available only to veterans, active military and their families. The following limits apply to underlying policies:

» MORE: USAA home insurance review

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict.

If you have purchased a travel infinite policy…, before 07 october for travel to israel and palestinian territories and do not wish to travel at this point in time, • you may cancel the trip and file for trip cancellation / trip postponement, before 07 october for travel to israel and palestinian territories and are already in israel and palestinian territories at this point in time, • you will still be covered for benefits like travel delay, baggage delay, flight diversion, trip curtailment, after 07 october for travel to israel and palestinian territories, • there will be no coverage as the ongoing conflict is a known event, be it a short getaway, business convention or adventure of your lifetime, we’ve got you covered. a simple travel insurance can cushion you from the unexpected. don’t let anything get in the way of your travels..

Our Travel Insurance plans now come with COVID-19 add-on. Should you be diagnosed with COVID-19 before, during or after your trip, we cover you for trip postponement or cancellation, overseas medical, evacuation expenses & more!

Choose from our affordable Travel Insurance Plans to suit your needs

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