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MSIG Travel Insurance

Get wide-ranging cover, policy discounts, 24/7 assistance and more.

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MSIG

Taking out travel insurance can protect you against a range of eventualities on your travels. With MSIG, there are more than 50 benefits on a standard policy which can give you peace of mind to get on with enjoy your next trip. Read on to find out more about MSIG, including the key points of its three main travel plans.

What policies are available?

Name Product Medical Cover Cancellation Cover Luggage and Personal Effects Cover
MSIG TravelEasy
MSIG TravelEasy
Up to $2,600,000
Up to $37,500
Up to $15,000
MSIG TravelEasy Pre-Ex
MSIG TravelEasy Pre-Ex
Up to $1,000,000
Up to $15,000
Up to $7,500
MSIG Global Study
MSIG Global Study
Up to $1,000,000
N/A
N/A
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MSIG TravelEasy

This policy offers cover if your baggage or possessions are lost or damaged. It’ll protect you if you need to cancel your trip for unforeseen reasons. It also includes medical cover for any treatment you need while you’re overseas, and cover against personal accidents.

If you choose a more comprehensive level of cover, you can include extra activities you might need protection for while you’re on holiday. For example, you can get cover for some adventurous sports, like bungee jumping and scuba diving. This plan extends up to as much as S$1,000,000, in the event you need to pay for the high costs of overseas medical care.

MSIG TravelEasy Pre-Ex

This plan is suitable for travellers with certain pre-existing medical conditions. It can cover you in case you become critically ill during your trip.

Global Study

This policy can give you peace of mind so that you can focus on your overseas studies. A flexible plan, Global Study covers accidents, illness, study interruptions and holiday travel while you’re studying at a higher institution.

MSIG Travel Insurance levels of cover

MSIG’s standard insurance package has three levels of cover: TravelEasy Standard, TravelEasy Elite and TravelEasy Premier.

  • Up to S$10,000 in protection against loss or damage to baggage or personal possessions
  • Up to S$37,500 in trip cancellation cover
  • Up to S$1,200,000 in personal accident cover includes accidental death and permanent disability
  • Up to S$2,600,000 in medical cover overseas includes a daily hospital allowance of S$150,000
  • Up to S$1,000,000 in emergency medical evacuation
  • Terrorism cover included
  • Up to S$1,500 in car rental excess cover, protecting you if you damage your hire vehicle
  • A limit of $3,000 for baggage delays
  • A limit of $3,000 for travel delays
  • Child education grant of $8,000 per child – of up to $32,000 – if you die during your trip
  • Emergency hotline to connect you to medical care, including evacuation, 24/7
  • Up to S$15,000 in protection against loss or damage to baggage or personal possessions
  • Up to S$25,000 in trip cancellation cover
  • Up to $550,000 in personal accident cover includes accidental death and permanent disability
  • Up to S$1,400,000 in medical cover overseas includes a daily hospital allowance of S$37,000
  • Up to S$1,000,000 in emergency medical evacuation
  • Terrorism cover included
  • Up to S$600 in unused entertainment tickets, owing to injury or illness
  • Up to S$1,000 in car rental excess cover, protecting you in case of damage to your hire vehicle
  • Benefit limit of $2,000 for baggage delays (fixed at $200 for every six hours)
  • Benefit limit of $2,000 for travel delays
  • Child education grant of $5,000 per child – of up to $20,000 – if you die during your trip
  • Emergency hotline to connect you to medical care, including evacuation, 24/7
  • Up to S$6,000 in protection against loss or damage to baggage or personal possessions
  • Up to S$12,500 in trip cancellation cover
  • Up to S$800,000 in medical cover overseas – includes a daily hospital allowance of S$20,000
  • Up to $400,000 in personal accident cover includes accidental death and permanent disability
  • Terrorism cover included
  • Up to S$1,000,000 in emergency medical evacuation
  • Benefit limit of $1,200 for baggage delays
  • Benefit limit of $1,000 for travel delays
  • Emergency hotline to connect you to medical care, including evacuation, 24/7

MSIG also offers insurance for families, in addition to its solo travel plans which are aimed at individuals. It’s worth keeping in mind any additional policy restrictions that come with these types of policy. For example, MSIG states that children under the age of 12, who are on a family plan but are not travelling with their family, must be accompanied by a parent or adult guardian during their trip. Also, be aware that individual cover limits for children tend to be lower than for adults.

The overall cost of any type of travel insurance policy depends on how much cover you want, where you’re going and for how long.

What won’t be covered?

Each travel insurance provider has a set of standard exclusions, along with restrictions depending on the policy you choose. A MSIG travel insurance policy won’t typically cover you for:

  • Travel to a war zone
  • Claims for terminal illness
  • Mental health disorders
  • Damage or breakage of sports equipment while in use
  • Illegal acts. You are required to comply with all local laws for the duration of your stay.
  • Being under the influence of alcohol or non-prescription drugs.
  • Unattended belongings. You need to take reasonable care to prevent or reduce any loss you may suffer during your trip.
  • Undeclared pre-existing conditions. You should inform your insurer of pre-existing conditions where applicable, because that’s how you get them covered.
  • Items which are taken by customs officials
  • Costs which are linked to pregnancy
  • Any claims if you travelled specifically for medical purposes, such as cosmetic surgery
  • Unnecessary dental expenses
  • Any kind of false, exaggerated or inaccurate claim.

    Make sure you understand the full list of exclusions and conditions which are stated in your policy document, so that you avoid any nasty surprises when it comes to making a claim.

    Making a claim

    MSIG makes it easy to file a claim on your travel insurance. You can complete the process online – including via your mobile phone – on their website. You can download a copy of the claim form, or request for the form to be sent to you. If necessary, a police report linked to your claim should be made within 24 hours of the event. You should request a copy of this report for your submission.

    After you’ve filed your claim, MSIG aims to settle it within three weeks of receiving all the relevant documents.

    Bottom line

    MSIG has a wide range of travel cover and each of its policies includes the basics you’d expect to feel assured you’ll be financially protected if things go wrong when you’re overseas. Be careful if you’re considering its Standard plan though, as it has some cover levels which are fairly low. For example, its S$3,000 cover limit for personal possessions. MSIG’s more comprehensive plans are more likely to meet most traveller’s needs. Additionally, they include helpful extras such as cover for a range of sports and up to S$500 back if you are forced to miss a show. Another plus is that this provider regularly offers discounts for signing up to a policy. But finding the correct level of cover for your needs is more important than buying a policy because of its competitive price. Also, travel insurance varies a lot between providers and so in order to find best deal for you it’s a good idea to compare a range of different policies.

    Frequently asked questions

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