Tiq by Etiqa Travel Insurance Singapore—MoneySmart Review (2025)

Last year, I heard a travel story that I thought was too good to be true. My colleague told us the tale of how her brother-in-law had had his flight delayed and—to his utter shock—received a travel insurance payout by the time he’d landed and made his way to the hotel. He hadn’t had time to submit a claim form yet—and he didn’t even need to. What mythical travel insurance had he purchased?

Tiq by Etiqa travel insurance is no myth, and their automated flight delay payouts are fact, not fiction. They offer 3 travel insurance plans, Tiq Entry, Savvy, and Luxury, and all come with the no-claim payout benefit that got me intrigued in the first place.

But travel insurance needs to cover more than flight delays. As they say, expect the unexpected, right? From sudden illnesses to family emergencies, anything could go wrong on vacation, and securing a good travel insurance is essential for making your travel experiences safer and more secure.

Today, let’s take a closer look at Tiq by Etiqa travel insurance, from its awesome flight delay benefit to its other travel inconvenience benefits and coverage for medical expenses.

Learn more about our travel insurance rating system.

 

Tiq by Travel Insurance—MoneySmart Review (2025)

1. 1. Is Tiq by Etiqa travel insurance safe?
   2. What plan tiers does Etiqa offer for Tiq?
   3. How does Tiq by Etiqa handle Covid-19 coverage?
   4. What kind of global emergency support does Tiq by Etiqa offer?
   5. Cover for pre-existing medical conditions
   6. What add-ons does Tiq by Etiqa bring?
   7. How to make a claim with Tiq by Etiqa?
   8. How does Tiq’s automated flight delay payout work?
   9. Does Tiq by Etiqa cover professional sports?
   10. How does Tiq by Etiqa stack up against FWD?
   11. Tiq by Etiqa travel insurance—overview
   12. Tiq by Etiqa travel insurance: Key takeaways before you choose
   13. Is there any promotion for Tiq by Etiqa travel insurance?
   14. Final thoughts

 

1. Is Tiq by Etiqa travel insurance safe?

Absolutely!

Tiq by Etiqa Insurance is a solid choice, supported by a strong reputation and reliable backing. It operates under Etiqa Insurance, part of the Maybank Group—one of Southeast Asia’s largest financial institutions. Maybank is listed on the Kuala Lumpur Stock Exchange (KLSE: MAYBANK) and is well-regarded for its stability and financial strength. 

Over the years, it has built a solid reputation across the region, offering a wide range of insurance products, from life to general insurance, and continuously earning the trust of its customers through its suite of diverse and reliable services.

In Singapore, Etiqa is regulated by the Monetary Authority of Singapore (MAS) – adhering to the strict standards of transparency and financial integrity. You can be sure of Tiq by Etiqa to cover your insured needs and not default.

 

2. What plan tiers does Etiqa offer for Tiq?

Tiq offers 3 plan tiers, each designed to meet different needs and budgets. Here’s a quick breakdown:

Plan Tier	Cost (for a 7-day ASEAN trip, excluding Covid-19 coverage)	Medical Coverage	Trip Cancellation	Lost Baggage	Extreme Sports Coverage
Entry	$42	Up to $200,000	Up to $5,000	Up to $2,000	Not Included
Savvy	$65	Up to $500,000	Up to $5,000	Up to $2,000	Included
Luxury	$95	Up to $1,000,000	Up to $10,000	Up to $3,000	Included

Source: Tiq by Etiqa

The Entry Plan is your most affordable option, providing basic protection for budget-conscious travellers. The Savvy Plan steps up the medical coverage, making it a solid choice if you need more extensive protection for accidents. 

For those seeking comprehensive protection, especially if you’re planning high-risk / physically intensive activities, the Luxury Plan is the way to go.

 

3. How does Tiq by Etiqa handle Covid-19 coverage?

Even though Covid-19 has become endemic, it remains a risk, especially for those with pre-existing lung conditions or other respiratory vulnerabilities. Hence, it’s always advisable to go with Covid-19 coverage in your travel insurance. 

For Tiq, their travel insurance plans have been structured to provide varying levels of Covid-19 coverage to suit different needs.

Here’s a breakdown of the extent varies:

• Entry Plan: Basic coverage for trip cancellations due to Covid-19.
• Savvy Plan: Includes coverage for both medical expenses and trip cancellations related to Covid-19.
• Luxury Plan: Offers the most extensive Covid-19 coverage, with up to $300,000 for medical expenses and generous allowances for trip cancellations and disruptions.

This tiered approach ensures that you can select a plan that fits your concerns regarding Covid-19, whether you need minimal protection or comprehensive security.

 

4. What kind of global emergency support does Tiq by Etiqa offer?

Travelling can be unpredictable, and you must always “expect the unexpected”. Tiq by Etiqa offers 24-hour global emergency travel support to help you out no matter where your travels take you.

Tiq travel insurance entitles you to free travel assistance services provided by Allianz Global Assistance. All you need to do is call the Emergency Services Hotline at +65 6327 2215 and quote your Policy Number.

 

5. Cover for pre-existing medical conditions

If you’ve ever been denied travel insurance because of pre-existing medical conditions, you know how frustrating and stressful it can be. Tiq by Etiqa offers a refreshing solution to this common issue.

Here’s how their coverage stacks up:

Plan Tier	Pre-Existing Conditions Coverage
Pre-Ex Entry	Covers up to $75,000 for overseas medical expenses, with emergency medical evacuation and repatriation up to $150,000.
Pre-Ex Savvy	Offers up to $125,000 for overseas medical expenses, and emergency medical evacuation and repatriation up to $200,000.
Pre-Ex Luxury	Provides up to $150,000 for overseas medical expenses, and emergency medical evacuation and repatriation up to $250,000.

You can travel with confidence, knowing you’re covered for pre-existing conditions. 

 

6. What add-ons does Tiq by Etiqa offer?

To make your travel insurance truly your own, Tiq provides a range of add-ons to tailor your coverage to your unique needs. 

Here’s a look at some of the options you can choose from:

• Child Education Cover
  For families with children, this add-on offers peace of mind with coverage of up to $3,000 per child, capped at $15,000 total, if the worst happens and you pass on due to an injury or accident during your trip.
• Rental Car Excess Cover
  If you’re renting a car, this add-on helps with excess costs if an accident occurs. Depending on the plan you select, you could be covered for excess amounts ranging from $300 to $1,000.
• Pet Hotel Cover
  For those travelling with pets, this add-on compensates $50 for every six hours of travel delay, up to a total of $1,000. It’s designed to help with the costs of your pet’s stay in a kennel or cattery during delays.
• Sport Equipment Cover
  If you’re planning on using sports gear, this add-on can reimburse you up to $4,000 for rental equipment if it’s lost or damaged.

These add-ons provide extra layers of coverage tailored to specific needs, ensuring you have the protection you require for a smoother travel experience.

 

7. How does Tiq’s automated flight delay payout work?

A huge plus about Tiq travel insurance is that you don’t even need to make a claim to receive a payout when your flight is delayed. Once your flight is delayed for 3 hours (which is also lower than the usual 6 hours for most other insurers) you’ll get paid even without submitting a claim!

All you need to do is input your flight details when purchasing your travel insurance. This will also enable Tiq to provide another service to you—they can SMS you your baggage belt collection details once you land. This way, you don’t need to squint at the signboards and try to spot your flight and belt number yourself.

 

8. How do I make a claim with Tiq by Etiqa?

While you get automatic payouts for flight delays, if you face other travel mishaps, you still need to make a claim. Tiq can track your flight and know if it gets delayed, but you have to be the one to let them know if you—touch wood—lose your luggage or fall sick overseas.

 Here’s a clear-cut guide on how to make a claim with Tiq by Etiqa and get the support you need.

Step 1: Report your claim promptly

As with most insurance plans, timing is crucial. For claims related to loss of personal belongings or COVID-19 medical expenses, you’ll need to report the incident within 24 hours. If you’re dealing with travel postponement, you have up to 30 days to notify Tiq. 

Reporting within these timeframes helps prevent any issues with your claim. You can easily make a report via the Tiq by Etiqa mobile app or their claims portal, TiqConnect.

Step 2: Gather and prepare documentation

To support your claim, Tiq will need a comprehensive set of documents. These typically include:

• Medical reports and supporting evidence (photos, emails).
• Proof of ownership for lost or damaged items.
• Trip-related documents such as invoices, tickets, boarding passes, and copies of your passport and visas.
• Original invoices and receipts.
• Reports from the police, airlines, transport services, or accommodation.

Providing these documents accurately will help Tiq process your claim more efficiently. Once you’re ready, submit them via the Tiq by Etiqa mobile app or their TiqConnect.

Need help? Contact Etiqa’s Customer Care Officers via WhatsApp at +65 6887 8777 or email [email protected].

Step 3: Receive your claim acknowledgement

Once you’ve submitted your documents, you’ll get a claim acknowledgement from Tiq. This lets you know that your claim is in the system and under review.

Step 4: Get reimbursed

After your claim is received, you’ll get a notification via SMS to your registered mobile number. After it’s approved, payments are typically made directly to the bank account tied to the NRIC of the policyholder via PayNow.

If you prefer a different payment method, you can request a direct credit into your bank account by emailing their Customer Service team at [email protected].

With these steps in mind, you’ll be well-prepared to handle any claims and ensure that you get the reimbursement you’re entitled to.

 

9. Does Tiq by Etiqa cover professional sports?

Tiq by Etiqa Insurance comes with a suite of attractive benefits—such as budget-friendly premiums, hassle-free cashless claims, 24/7 global emergency assistance, and robust COVID-19 coverage. 

There’s a key caveat to consider: Tiq doesn’t cover participation in professional sports during your trip. 

If your travel plans involve high-intensity activities like boxing, skiing, snowboarding, diving, or motor racing, you’ll need to seek additional coverage or explore other insurance options like Singlife Travel Insurance for example.

 

10. How does Tiq by Etiqa stack up against FWD?

When choosing between Tiq by Etiqa and FWD for travel insurance, it’s essential to weigh their strengths. 

• Tiq by Etiqa offers a range of add-ons and is particularly strong in areas like COVID-19 coverage and pet-related benefits. Whereas FWD travel insurance provides higher coverage limits and more comprehensive benefits at competitive prices.

Here’s an overview comparison to help you decide:

Coverage	Tiq by Etiqa Entry	Tiq by Etiqa Savvy	Tiq by Etiqa Luxury	FWD Premium	FWD Business	FWD First
Medical Expenses Incurred Overseas	Up to $200,000	Up to $500,000	Up to $1,000,000	Up to $200,000	Up to $500,000	Up to $1,000,000
Trip Cancellation and Loss of Deposit	Up to $5,000	Up to $5,000	Up to $10,000	Up to $7,500	Up to $10,000	Up to $15,000
Baggage Delay	$200 ($100 per 6 hours)	$200 ($100 per 6 hours)	$200 ($100 per 6 hours)	$150 ($100 per 6 hours)	$600 ($100 per 6 hours)	$900 ($100 per 6 hours)
Travel Delay	$300 ($50 per 3 hours)	$300 ($50 per 3 hours)	$500 ($50 per 3 hours)	$300 ($50 per 6 hours)	$500 ($50 per 6 hours)	$1,000 ($50 per 6 hours)
Personal Accident (Accidental Death and Permanent Disablement)	Adult < 70 years: $150,000 Adult ≥ 70 years: $30,000 Child: $50,000	Adult < 70 years: $300,000 Adult ≥ 70 years: $40,000 Child: $100,000	Adult < 70 years: $500,000 Adult ≥ 70 years: $50,000 Child: $200,000	Adult < 70 years: $200,000 Adult ≥ 70 years: $40,000 Child: $60,000	Adult < 70 years: $300,000 Adult ≥ 70 years: $60,000 Child: $90,000	Adult < 70 years: $400,000 Adult ≥ 70 years: $80,000 Child: $120,000
Rental Car Excess Cover	$300	$500	$1,000	$300	$500	$1,000
Pet Hotel Cover	$1,000 ($50 per 6 hours)	$1,000 ($50 per 6 hours)	$1,000 ($50 per 6 hours)	Not Covered	$500 ($50 per 6 hours)	$1,000 ($50 per 6 hours)
COVID-19 Coverage	Up to $3,000 for trip cancellation Up to $100,000 for medical expenses	Up to $4,000 for trip cancellation Up to $200,000 for medical expenses	Up to $5,000 for trip cancellation Up to $300,000 for medical expenses	Up to $5,000 for trip cancellation Up to $200,000 for medical expenses	Up to $5,000 for trip cancellation Up to $200,000 for medical expenses	Up to $5,000 for trip cancellation Up to $200,000 for medical expenses

 

11. Tiq by Etiqa travel insurance—Overview

To decide which Tiq plan suits your needs best, here’s a full breakdown of the key coverage areas of Tiq by Etiqa travel insurance (with the Pre-Ex option):

Plan highlight	Entry	Savvy	Luxury
Medical Expenses Incurred Overseas	$200,000	$500,000	$1,000,000
Trip Cancellation and Loss of Deposit	$5,000	$5,000	$10,000
Baggage Delay	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)
Travel Delay	$300 ($50 per 3hrs)	$300 ($50 per 3hrs)	$500 ($50 per 3hrs)

 

Personal Accident (Accidental Death and Permanent Disablement)
Adult aged below 70 years old	$150,000	$300,000	$500,000
Adult aged 70 years old and above	$30,000	$40,000	$50,000
Child	$50,000	$100,000	$200,000

 

Medical Expenses Incurred Overseas
Adult aged below 70 years old	$200,000	$500,000	$1,000,000
Adult aged 70 years old and above	$30,000	$50,000	$75,000
Child	$75,000	$150,000	$250,000
Medical Expenses Incurred in Singapore
Adult aged below 70 years old	Not Covered	$7,500	$10,000
Adult aged 70 years old and above	Not Covered	$1,000	$3,000
Child	Not Covered	$2,500	$5,000
Overseas Hospital Income	$5,000 ($200 per 24 hrs)	$10,000 ($200 per 24 hrs)	$20,000 ($200 per 24 hrs)
Hospital Allowance in Singapore	$500 ($50 per 24 hrs)	$1,000 ($100 per 24 hrs)	$1,500 ($100 per 24 hrs)
Hospital Visitation	Not Covered	$2,500	$5,000
Compassionate Visit	Not Covered	$5,000	$7,500
Child(ren) Guardian	Not Covered	$2,500	$5,000
Emergency Telephone Charges	$100	$200	$400

 

Emergency Medical Evacuation	Combined limit up to $1,000,000	Combined limit up to $1,500,000	Combined limit up to $1,800,000
Repatriation of Mortal Remains to Singapore

 

Trip Cancellation and Loss of Deposit	$5,000	$5,000	$10,000
Bankruptcy of Travel Agent	$1,000	$1,000	$3,000
Travel Curtailment (including Hijacking)	$3,000	$3,000	$5,000
Personal Effects (including laptop)	$2,000 ($250 per article, $1,000 per laptop)	$2,000 ($250 per article, $1,000 per laptop)	$3,000 ($250 per article, $1,000 per laptop)
Baggage Delay	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)
Loss of Travel Documents (including money)	Personal money: $100	Personal money: $300	Personal money: $500
	Personal documents: $150	Personal documents: $250	Personal documents: $500
Travel Delay	$300 ($50 per 3hrs)	$300 ($50 per 3hrs)	$500 ($50 per 3hrs)
Flight Diversion	$300 ($100 per 6hrs overseas)	$300 ($100 per 6hrs overseas)	$500 ($100 per 6hrs overseas)
Flight Overbooking	$100	$100	$100
Travel Misconnection	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)	$200 ($100 per 6hrs)
Travel Postponement	$500	$500	$1,000

 

Personal Liability

$250,000

$500,000

$750,000

 

Hijacking/Kidnapping and Hostage	$1,000	$1,000	$3,000
Automatic Extension of Cover	Up to 7 days	Up to 14 days	Up to 14 days
Act of Terrorism Cover
Adult aged below 70 years old	$100,000	$200,000	$300,000
Adult aged 70 years old and above	$30,000	$40,000	$50,000
Child	$50,000	$75,000	$100,000
Home Content Cover	Not Covered	$5,000	$10,000

 

Medical Expenses Incurred Overseas (pre-existing conditions)
Adult aged below 70 years old	$75,000	$125,000	$150,000
Adult aged 70 years old and above	$20,000	$40,000	$50,000
Child	$50,000	$75,000	$100,000
Overseas Hospital Income	$5,000 ($200 per 24 hrs)	$10,000 ($200 per 24 hrs)	$20,000 ($200 per 24 hrs)
Emergency Medical Evacuation	Combined limit up to $150,000	Combined limit up to $200,000	Combined limit up to $250,000
Repatriation of Mortal Remains to Singapore

 

Child Education Cover	$3,000 per child (up to $15,000)	$3,000 per child (up to $15,000)	$3,000 per child (up to $15,000)
Rental Car Excess Cover	$300	$500	$1,000
Pet Hotel Cover	$1,000 ($50 for every 6 hrs)	$1,000 ($50 for every 6 hrs)	$1,000 ($50 for every 6 hrs)
Sport Equipment Protector	$500	$2,000	$4,000

 

12. Tiq by Etiqa travel insurance: Key takeaways before you choose

As we approach the conclusion of this review, let’s focus on what truly matters when choosing Tiq by Etiqa travel insurance. Here are three most important takeaways:

1. Affordable plans for every traveller: Tiq by Etiqa offers 3 plans—Entry, Savvy, and Luxury—catering to various budgets and travel needs. Whether you’re looking for basic coverage or more comprehensive protection that includes extreme sports and pre-existing conditions, Tiq has a plan that won’t break the bank.
2. Robust COVID-19 Coverage: If pandemic coverage still matters to you, Tiq’s Savvy and Luxury plans deliver. With up to $300,000 for COVID-19-related medical expenses and generous allowances for cancellations, these plans ensure you’re well-protected in a COVID-19 endemic world.
3. Unique add-ons and extra services: We are a big fan of Tiq’s automated flight delay payout that removes the tediousness of submitting a claim form. Plus, being sent our bag collection details is a nice touch.
4. Some gaps for high-risk activities: These exclusions are fairly common compared to other travel insurance plans in Singapore, such as competitive sports and hiking or trekking above 3,000 meters from sea level.

Tiq stands out with extensive add-ons like Pet Hotel Cover, Rental Car Excess Cover, and Sports Equipment Cover, allowing you to customise your policy to your lifestyle needs. However, Etiqa doesn’t cover professional sports or some high-risk activities. Something to keep in mind if you’re planning to take on more adventurous pursuits.

The Bottom Line

• Why it stands out: Flexible and cost-effective plans with strong COVID-19 protection and unique add-ons.
• What’s missing: Limited coverage for intensive sports and very high-risk activities.

 

13. Is there any promotion for Tiq by Etiqa travel insurance?

Looking to stretch your travel budget further? With Tiq by Etiqa’s latest promotion, you can save more on your travel insurance and put those extra cents toward other parts of your trip. 

This exclusive MoneySmart offer unlocks fantastic savings and bonus rewards, giving you more value for your money and enhancing your overall travel experience.

 

Final thoughts

Tiq by Etiqa is a solid choice if you have specific travel insurance needs. Overall, Tiq by Etiqa excels in delivering targeted protection for these specific needs. It is beneficial for travellers who prioritise COVID-19 coverage with comprehensive protection for medical expenses and related trip cancellations. 

Pet owners will find value in the Pet Hotel Cover, which helps with unexpected pet accommodation costs. For those engaging in extreme sports or activities, Tiq’s Savvy and Luxury plans provide coverage tailored to high-risk pursuits, ensuring peace of mind during adventurous trips. 

 

About our scale and rating system

• We compiled the prices and coverage limits for 60 travel insurance plans from 22 different providers in Singapore in a massive spreadsheet.
• For each price/coverage category (e.g. trip cancellation, travel delay, etc.), we determined the minimum, median, and maximum values across all travel insurance plans. These values then form scales showing the lowest, highest, and average price/coverage amounts for different travel insurance plans in Singapore. 
• Finally, we plotted where each travel insurance plan stands on those scales and assigned a star rating for the provider based on the results.
• To arrive at an overall score reflecting price versus coverage, we take the average of the 5 coverage components, then average that figure with the price. The final score is rounded to the nearest whole number.

Star rating and description	Example
★☆☆☆☆ 1 star: All plans under that provider perform lower than average, and one plan is the worst performing. If there is only 1 plan, it is the worst performing.	1 star:
★★☆☆☆ 2 stars: All plans under that provider perform lower than average, but no plan is the worst performing. If there is only 1 plan, it performs below average.	2 stars:
★★★☆☆ 3 stars: At least 1 plan performs average or above average, and the rest are below average. If there is only 1 plan, it performs average.	3 stars:
★★★★☆ 4 stars: At least half (e.g. 2 out of 3) of the plans perform average or above average, but not all are above average. If there are only 2 plans, both perform average, or 1 performs average and the other above average. If there is only 1 plan, it performs above average.	4 stars:
★★★★★ 5 stars: All plans under that provider perform average or above average. If there is only 1 plan, it is the best performing in Singapore.	5 stars:
Overall: (Rating for price + Average rating across coverage components) / 2	Rating for price: 2 Average rating for coverage: 4 Overall rating: (2+4)/2 = 3

Notes:

• The star ratings are flipped for the Price component—for this, the lower the better.
• For all components, we will also award bonus or penalty stars to recognise special features of plans that may be non-quantifiable, as well as the best and poorest performing plans in Singapore:
  • Add a bonus star if one of the plans is the best in Singapore.
  • Deduct a penalty star if one of the plans is the worst in Singapore.
• For travel delay, most insurers offer $100 for every 6 hours.
  • ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($50 for every 3 hours) or larger compensation amount ($200 for every 6 hours)
  • DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($100 for every 8 hours) or smaller compensation amount ($50 for every 6 hours)
• For baggage delay, most insurers offer $200 for every 6 hours.
  • ADD a star if the compensation rate for all plans under an insurer is higher. For example: a shorter time interval ($100 for every 3 hours) or larger compensation amount ($250 for every 6 hours)
  • DEDUCT a star if the compensation rate for all plans under an insurer is lower. For example: a longer time interval ($200 for every 8 hours) or smaller compensation amount ($150 for every 6 hours)

 

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About the author

Travelling the world and getting involved in cross-cultural works is Caleb’s passion. Freelance digital marketing and content writing is a way for him to express himself creatively while earning his keep. He unwinds by diving into a variety of music genres. Living in a digitally disrupted world, he’d like to offer a different perspective on finances to show people the possibilities of what goes beyond a typical “Singaporean life”.

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