MSIG Travel Insurance Singapore: Coverage, Promotion, and Claims Review

MSIG Travel Insurance Review

MSIG travel insurance is one of the most popular travel insurance plans in Singapore and is second only to NTUC’s travel insurance (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance.

DBS might have since changed their insurance provider to Chubb, but that doesn’t mean that MSIG’s travel insurance isn’t solid. Let’s have a look at whether MSIG’s travel insurance plans are worth your money.


    1. MSIG Travel Insurance Summary
    2. MSIG Covid Travel Insurance Coverage
    3. MSIG Pre-Existing Travel Insurance
    4. MSIG Student Travel Insurance
    5. Extreme Sports and Outdoor Adventure
    6. MSIG Travel Insurance Terms and Conditions
    7. MSIG Travel Insurance Claim Review
    8. MSIG vs NTUC Travel Insurance
    9. MSIG Travel Insurance Promotion
    10. MSIG Travel Insurance Review

1. MSIG Travel Insurance: Summary

There are a total of 3 travel insurance plans that MSIG currently offers: MSIG TravelEasy for regular holidays with Covid coverage, MSIG TravelEasy Pre-Ex for holiday-goers with pre-existing conditions, and MSIG Global Study for students going overseas for studies.

MSIG Travel Insurance Plans Price Suitable For… Covid-19 Coverage
MSIG TravelEasy $61 – $201/week Age 1 month above, Singaporean or citizen travelling Yes
MSIG TravelEasy Pre-Ex $64 – $176/week Age 18 above, with pre-existing medical conditions No
MSIG Student Travel Insurance $64.20 – $149.80/month Age 12 to 60, registered with overseas education institution No

2. MSIG Covid Travel Insurance Coverage

MSIG’s flagship travel insurance plan is called MSIG TravelEasy, which automatically includes Covid-19 coverage. MSIG TravelEasy comes in 3 tiers:

  • Standard (most basic, cheapest)
  • Elite
  • Premier

You get to choose from single trip travel insurance or an annual travel insurance plan. Prices and premiums for MSIG’s travel insurance plans depends on the country you’re travelling to:

  • Area A: Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, Vietnam
  • Area B: Australia, China (no Inner Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, Area A
  • Area C: Worldwide, Area A, Area B

Here’s a summary of the key coverage and benefits of the MSIG TravelEasy travel insurance plan:

MSIG TravelEasy Standard Elite Premier
Price (Area A) $61/week $81/week $114/week
Price (Area B) $74/week $101/week $143/week
Price (Area C) $117/week $146/week $201/week
Medical expenses (overseas) $250,000 $500,000 $1,000,000
Emergency medical evacuation $1,000,000 $1,000,000 $1,000,000
Personal accident (death & TPD) $150,000 $200,000 $500,000
Travel delay ($100 every 6 hours) $500 $1,000 $1,500
Trip cancellation $5,000 $10,000 $15,000
Baggage delay $150/6 hours, max $600 $200/6 hours, max $1,000 $250/6 hours, max $1,500
Baggage loss/damage $3,000 $5,000 $7,500
Adventure activities No Yes Yes

The MSIG TravelEasy travel insurance also automatically includes Covid-19 coverage:

MSIG Covid Travel Insurance Standard Elite Premier
Overseas medical expenses  $75,000 $150,000 $250,000
Emergency medical evacuation $1,000,000 $1,000,000 $1,00,000
Overseas quarantine allowance $50/day, max $700 $100/day, max $1,400 $100/day, max $1,400
Trip cancellation $3,000 $2,000 $3,000
Trip postponement $500 $2,000 $3,000
Trip shortening $3,000 $4,000 $5,000

Some other useful coverage you’ll find in the MSIG Covid travel insurance plan includes mobility aid, maternity expenses, wedding and bridal clothing, rings, and accessories coverage, and even pet hotel boarding delays.

  • Mobility aid reimbursement: $1,000 to $5,000
  • Traditional Chinese Medicine expenses: $200 to $600
  • Maternity medical expenses (overseas): $2,000 to $3,000 (not included in Standard plan)
  • Overseas hospitalisation daily allowance: $200 to $300/day, max $20,000 to $60,000 (non-Covid related hospitalisation)
  • Compassionate hospital visit: $5,000 to $15,000 to fly an immediate family member to accompany you while you’re hospitalised alone
  • Wedding clothing and accessories: $2,500 to $3,500 (not included in Standard plan)
  • Credit card outstanding balance: $2,000 to $3,000 coverage for your unpaid credit card bills (up to the day of your accident)
  • Pets care: $50 to $75/day, max $500 to $750 for extended pet hotel stay (due to illness or travel delay)

The Elite and Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match in the UK).

MSIG logo

Total Premium


55% OffTotal PremiumS$90
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3. MSIG Pre-Existing Conditions Travel Insurance

If you’re more concerned about your pre-existing medical conditions acting up while you’re overseas or on a cruise, the MSIG TravelEasy Pre-Ex travel insurance plan might be for you. Take note that this MSIG pre-existing plan does not cover Covid-19:

MSIG TravelEasy Pre-Ex Standard Elite Premier
Price (Area A) $64 $82 $110
Price (Area B) $77 $97 $136
Price (Area C) $104 $135 $176
Medical expenses (overseas) $250,000 $500,000 $1,000,000
Hospitalisation daily benefit (overseas) $200/day, max $20,000 $250/day, max $37,500 $300/day, max $60,000
Emergency medical evacuation $1,000,000 $1,000,000 $1,000,000
Personal accident (death & TPD) $150,000 $200,000 $500,000
Travel delay ($100/6 hours) $500 $1,000 $1,500
Trip cancellation $5,000 $10,000 $15,000
Trip shortening $5,000 $10,000 $15,000
Baggage delay $150/6 hours, max $600 $200/6 hours, max $1,000 $250/6 hours, max $1,500
Baggage loss/damage $3,000 $5,000 $7,500
Adventure activities No Yes Yes

Before you jump in and get this MSIG pre-existing travel insurance plan, do note that there are pre-requisites. No matter what your pre-existing medical condition is, you need to prove that you’ve been diligent your doctor’s consultations and medicine. Of course, you’ll need to be determined fit for travel by your doctor.

And, if you were admitted in any A&E or hospital in the past year, you may not be eligible for this plan.

MSIG logo

Total Premium


Total Premium
Covers Pre-Existing Conditions
Med. Coverage (Overseas)
Trip Cancellation
Loss/Damage of Baggage
Total Premium

4. MSIG Student Travel Insurance

Another popular MSIG travel insurance is the MSIG Global Study travel insurance meant for students travelling abroad for studies. As long as you’re between ages 12 and 60, registered as a part-time or full-time student with an overseas education institution, going for university exchange, or internship arranged by your uni, you are eligible for this MSIG student travel insurance.

Considering there is no Covid-19 coverage, the key benefits are actually pretty minimal – just $15,000 to $50,000 for accidental and illness medical expenses is really not a lot.

MSIG Student Travel Insurance Classic Premier
Price $64.20/month, $321/year $149.80/month, $749/year
Accident (death, TPD) $100,000 $150,000
Medical expenses (accident) $15,000 $50,000
Medical expenses (illness) $0 $50,000
Emergency medical evacuation $1,000,000 $1,000,000
Studies interruption (due to accident or illness) $10,000 $15,00
Baggage loss (travel) $1,000 $2,000
Personal belongings loss ($200/item) $2,000 $3,000
Travel delay $50/6 hours, max $500 $100/6 hours, max $1,000
Personal liability $300,000 $500,000
Adventure activities No Yes

5. Does MSIG Travel Insurance cover extreme sports?

Overall, MSIG’s travel insurance coverage for outdoor adventure is pretty adequate. The usual touristy activities that you might want to experience, e.g. hot air balloon, paragliding, bungee jumping are covered in their premium plans. 

However, activities such as scuba diving, skiing, and skydiving are not explicitly stated in the policy wording or brochures’ exclusion lists.

Outdoor adventure MSIG TravelEasy MSIG TravelEasy Pre-Ex MSIG Student travel insurance
Hot air balloon Elite, Premier Elite, Premier Premier
Scuba diving Elite, Premier Elite, Premier Premier
Skiing and other ice/snow sports
Hiking or trekking
Mountaineering or outdoor rock climbing
Marathons or other competitions
Jet skiing Elite, Premier Elite, Premier Premier
White water rafting Elite, Premier Elite, Premier Premier
Skydiving Elite, Premier Elite, Premier
Paragliding, hang gliding or parachuting Elite, Premier Elite, Premier Premier
Bungee jumping Elite, Premier Elite, Premier Premier

6. MSIG Travel Insurance Terms and Conditions

MSIG travel insurance’s terms and conditions are pretty similar to other travel insurance providers’ – if you lost your belongings, you need to file reports with the police, airport, whatever. If you got Covid, you need official documents from their government hospitals. Then, KEEP these documents safely and bring them home. You will need these documents to file for claims.

  • Trip Length: Single trip plan covers you for a maximum of 182 days while annual plan gives you unlimited trips per year but each trip can only be 90 days maximum.
  • Air Miles, Hotel Reward Points: Your flights and hotel bookings will not be covered if you used your air miles or reward points to redeem the tickets/ stays.
  • Baggage and Personal Belongings Loss: You need to file a report to the local police, airline, transport company, hotel – wherever your belongings were – within 24 hours and get printed official reports.
  • Coverage: Children and seniors above 70 years old get lower coverage
  • Covid Coverage: You must keep all documents proving that you tested Covid positive, and diagnosed by local government hospital or doctor while overseas. You will only be able to claim overseas Covid medical expenses for 60 days from the day you tested positive.
  • No Post-Trip Covid Coverage: If you tested Covid positive only after arriving in Singapore, you won’t be covered by your MSIG TravelEasy plan.

7. MSIG Travel Insurance Claim Review

If you were to scour through Reddit or Hardwarezone forums for MSIG reviews, you’ll find mixed views. While some users shared that they successfully claimed from MSIG travel insurance, some labelled MSIG as dishonest for turning down their claims. Insurance claims will never be straightforward or easy, no matter which insurance company you go for.

Here are some handy MSIG emergency hotline and claims process you need to consider before you purchase:

MSIG Emergency hotline (overseas): Call the 24-hour MSIG emergency hotline at +65 6323 8288

MSIG Claims hotline: If you need to file for claims, call MSIG’s Claims Hotline at +65 6827 7660 (Mondays to Fridays, 8:45am to 5:30pm only)

MSIG Submit claims online: Gather all your police report, flight delay documents, medical records and receipts, and any supporting travel documents. You can then fill in MSIG’s online claims form and submit all your documents online here. Or you can download the form, fill it in, and email all your claims documents to [email protected] or mail them to

MSIG Claims Department
4 Shenton Way
#21-01 SGX Centre 2
Singapore 068807

MSIG will then reply you or settle your claim within 2 to 3 weeks. You can call the general MSIG claims hotline to get a status update on your claims.

8. MSIG vs NTUC Travel Insurance

Considering between MSIG travel insurance and the popular NTUC travel insurance? Both MSIG and NTUC are neck and neck with their benefits and premiums.

For example, a 7-day trip to Australia will cost you $74 to $143 in premiums with MSIG, and $70 to $122 if you take up NTUC’s travel insurance. Overseas medical expenses claim limits are similar as well. However, you’ll find that NTUC’s personal accident, travel delay coverage seems lower.

MSIG TravelEasy NTUC Travel Insurance
Price (ASEAN) $61 to $114/week $61 to $98/week
Price (Asia) $74 to $143/week $70 to $122/week
Price (Worldwide) $117 to $201/week $137 to $195/week
Medical Expenses (Overseas) $250,000 – $1,000,000 $250,000 – $1,000,000
Emergency Medical Evacuation $1,000,000 (under medical expenses)
Personal Accident (Death & TPD) $150,000 – $500,000 $100,000 – $200,000
Travel Delay (Overseas) $500 – $1,500 $1,000 – $2,000
Trip cancellation, disruption $5,000 – $15,000 $5,000 – $15,000
Baggage loss $3,000 – $7,500 $3,000 – $8,000
Adventure activities Yes Yes, leisure or guided only
Covid-19 Yes Yes

9. MSIG Travel Insurance Promotion

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive. Currently, you can get a 45% discount off single trip MSIG travel insurance plans, and 20% off annual travel insurance plans (ends 30 June 2022).

That means if you get an MSIG TravelEasy Standard plan for a week in Australia, it’d only cost you $40.70. That’s quite a steal.

As long as the 45% promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

10. MSIG Travel Insurance: Review

MSIG’s Covid travel insurance, MSIG TravelEasy, is extremely affordable after the generous 45% promotion discount (ending 30 June 22).

The level of clarity MSIG provides is also reassuring – prices and terms and conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. The Standard plan’s Covid-19 claims only covers you for $75,000 in overseas medical expenses, which may not be sufficient if you end up getting hospitalised in an expensive private hospital overseas. 

Once you compare their coverage, you will definitely feel tempted to pay $10 or $20 more to upgrade your plan to Elite or Premier.

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas since you get higher coverage limits too.

Looking to buy travel insurance? Compare the best Covid travel insurance here.