I bought a Single Trip TravelEasy before 1 May 2022. Does my policy get enhanced to the new benefits as policies that are purchased from 1 May 2022?

No, policies purchased before 1 May 2022 will maintain their same benefits given the enhanced product has different premium rates, promotions and policy terms and conditions. 2

I bought an Annual TravelEasy policy before 1 May 2022. Does my policy get enhanced to the new benefits as policies that are purchased from 1 May 2022?

No, policies purchased before 1 May 2022 will maintain their same benefits given the enhanced product has different premium rates, promotions and policy terms and conditions. 

However, we have enhanced your policy to provide COVID-19 Cover automatically for every trip during the period of insurance. You no longer need to contact us to activate COVID-19 Cover with an additional premium for every trip. The COVID-19 benefits that you are covered for will be those under your current annual policy. 

We are in the process of sending the revised certificate of insurance for full-year COVID-19 Cover to you by May 2022. If you have an upcoming trip and require your proof of cover, please email us at [email protected] with the following information and we will send the policy endorsement to you within 5 working days. Policyholder’s full name as per NRIC/FIN/Passport and last 5 alphanumerics of ID number (Example: 1234D).Date of birth/mailing address.Contact number.Child’s full name as per NRIC/FIN/Passport, date of birth and identification number.Policy number.

For policies due for renewal from 1 Aug 2022, the enhanced product will be offered to you. 3

I prefer to have the enhanced TravelEasy and COVID-19 Cover but I have purchased my policy before 1 May 2022 and is under the old benefits. What can I do?

You can purchase a new policy and cancel the old policy. However, cancellation is subject to no claims and charges will apply. 

For a Single Trip policy, you can cancel before the start of the period of insurance and we will refund the premium less $50 which we will retain. 

For an Annual policy, you can cancel the policy subject to no claims and the refund will be based on the table below less $50 which we will retain. Period policy is in force% premium we will refundUp to 2 months60%Up to 3 months50%Up to 4 months40%Up to 5 months30%Up to 6 months20%Above 6 monthsNo refund allowed

For policies due for renewal from 1 Aug 2022, the enhanced product will be offered to you.4

How can I obtain an unencrypted (non-password protected) TravelEasy ePolicy for submission to the authorities of the country I am travelling to?

You may download an unencrypted copy of your TravelEasy ePolicy from mConnect Customer Portal.5

When does the travel insurance cover commence and end for each trip?

Cover starts from the time you leave your home or workplace in Singapore to begin the trip abroad and ends 3 hours after your return to Singapore or on the expiry of your travel insurance, whichever is sooner.6

Can foreigners purchase travel insurance?

Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing from and returning to Singapore within the period of your travel insurance.7

Can a person aged 70 years and above buy travel insurance for a single trip or an annual travel plan?

Single Trip – Yes, all plansAnnual Travel – No. However, if the purchase of any annual plan is made before the age of 70, renewal is granted for the Standard Plan only. The policy is renewable up to age 80.8

Are there any countries excluded from cover?

All countries are covered unless expressly excluded.9

Does TravelEasy provide cover for cruise travels?

Yes, TravelEasy covers you for your cruise trip from and return to Singapore. For a cruise itinerary with destinations listed, please select the Region of travel based on the furthest destination. For a cruise itinerary to nowhere, i.e. the cruise is not making any stopover at any port/country, you may purchase the trip under Area A. 10

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

Extension of the travel insurance period of cover is permitted midway during travel and applied during the period of travel insured, provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. You can call MSIG Assist 24-hour hotline to request a period extension.11

If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy policy?

You will be entitled to a refund of the travel insurance premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.12

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

Yes, provided it is not a pre-existing medical condition and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore.13

What do you mean by public transport under the public transport double cover?

Public transport means any licensed and scheduled land, sea or air transport which has a fixed and established route and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, and private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.14

Are there any differences between family cover and group cover?

The differences between family cover and group cover are:Family coverCovers the insured, his/her legal spouse and any number of their legal Travel children travelling as a family of up to 7 persons. Under a family annual policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. Benefits and coverage limits for adult and child vary; please refer to the benefit table for details.Group coverCovers 2 or more individuals(example: friends, students or relatives) travelling on the same journey and on the same plan for single trip only. The policyholder must be at least 18 years or old and travelling together on the same trip.15

I have a Family/Adult & Child cover, and I need my children’s particulars to be shown on the policy schedule as required by the authorities of the country that I am travelling to. How do I request for this?

Please email us at [email protected] with the following information:Policyholder’s full name as per NRIC/FIN/Passport and last 5 alphanumerics of ID number (Example: 1234D)Date of birth/mailing addressContact numberChild’s full name as per NRIC/FIN/Passport, date of birth and identification numberPolicy number

Upon receiving your email, we will send the policy endorsement containing your child’s particulars to you within 5 working days. 16

Does MSIG’s travel insurance provide cover if the travel agency goes bankrupt?

TravelEasy will cover all irrecoverable costs up to the plan limit if a Singapore Tourism Board (STB) registered and Singapore licensed travel agency becomes insolvent before the start of your trip provided that the travel insurance is bought at least 3 days before the departure date and the insolvency does not take place before you purchase your travel insurance policy. 17

Who is eligible for COVID-19 Cover? 

A traveller who fulfils all the conditions below:You are not travelling against any travel advisory issued by the Singapore government.You must comply with all requirements and advice put in place by the Singapore and relevant overseas governments, transport and accommodation providers relating to measures for minimising the risk and spread of COVID-19, including but not limited to COVID-19 vaccination requirements, pre-departure, post-arrival COVID-19 test, quarantine, isolation and controlled itinerary.During the trip, you do not knowingly stay with any person who is having or suspected to be having a COVID-19 infection, and/or is undergoing isolation or quarantine.18

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