MSIG TravelEasy Insurance Review: Over 50 Travel Insurance Benefits

msig traveleasy travel insurance

Great Eastern Hospital Cash Plan

Protect yourself from uncertainties and medical situations while travelling with MSIG TravelEasy’s robust travel insurance coverage.

Embarking on a journey to another country gives you excitement and adventure, but without travel insurance, you risk exposing yourself to various travel-related risks. Ensure peace of mind while you’re away from Singapore with the right travel insurance coverage.

If you’re seeking a robust travel insurance plan that effectively addresses an umbrella of potential risks, MSIG TravelEasy emerges as the clear frontrunner. 

Let’s delve into what this plan offers prospective travellers like you. 

 

Related Story: Travel Diaries: 5 Safest Travel Destinations in the World

 

MSIG TravelEasy at a glance

  • Over 50 coverage benefits, including follow-up treatment after your trip
  • Automatic COVID-19 travel insurance coverage for Single Trips and Annual Plans
  • Individual or family cover available for Single or Annual travel insurance plans

 

MSIG TravelEasy Core features

  • Get up to S$15,000 for travel inconvenience coverage
  • Up to S1,000,000 for individual overseas medical coverage
  • Up to S$500,000 for individual personal accident death coverage

 

The one unique feature of MSIG TravelEasy

MSIG TravelEasy offers possibly the most extensive travel insurance coverage, and this includes individual or family cover. It is ideal for those travelling as a family unit and seeking a collective travel insurance plan.

 

MSIG TravelEasy benefits and coverage

MSIG’s TravelEasy plan offers three tiers of travel insurance coverage: Standard, Elite, and Premier. These are then split into individual and family coverage plans.  

 

Travel inconvenience coverage

MSIG TravelEasy has a wide net of coverage under travel inconvenience. This includes hard-to-find-elsewhere coverages for travel diversion, wedding clothing and accessories, and the insolvency of a licensed travel operator.

Benefit Type

Standard

Elite

Premier

Travel Delay

Individual

S$500

S$100 per 6 hours of delay overseas

Adult & Children/Family*

S$1,000

Individual

S$1,000

S$100 per 6 hours of delay overseas

Adult & Children/Family*

S$2,000

Individual

S$1,500

S$100 per 6 hours of delay overseas

Adult & Children/Family*

S$3,000

Trip Cancellation

Individual

S$5,000

Adult & Children/Family*

S$12,500

Within 30 days before the start of the journey

Individual

S$10,000

Adult & Children/Family*

S$25,000

Within 30 days before the start of the journey

Individual

S$15,000

Adult & Children/Family*

S$37,500

Within 30 days before the start of the journey

Delayed Baggage

Individual

S$600

S$150 per 6 hours of delay overseas

Adult & Children/Family*

S$1,200

Individual

S$1,000

S$200 per 6 hours of delay overseas

Adult & Children/Family*

S$2,000

Individual

S$1,500

S$250 per 6 hours of delay overseas

Adult & Children/Family*

S$3,000

Insolvency of Licensed Travel Operator

Individual

S$2,000 

Adult & Children/Family*

S$4,000

Individual

S$4,000 

Adult & Children/Family*

S$8,000

Individual

S$6,000 

Adult & Children/Family*

S$12,000

Travel Postponement

Individual

S$750

Adult & Children/Family*

S$1,875

Individual

S$1,500

Adult & Children/Family*

S$3,750

Individual

S$2,000

Adult & Children/Family*

S$5,000

Traveller Replacement

Individual

S$500

Adult & Children/Family*

S$1,250

Individual

S$750

Adult & Children/Family*

S$1,875

Individual

S$1,000

Adult & Children/Family*

S$2,500

Other Travel Inconvenience Coverages

  • Travel disruption
  • Flight diversion
  • Overbooked flight
  • Shortening the trip
  • Missed travel connection
  • Fraudulent use of credit card (Elite & Premier plans ONLY)
  • Wedding clothing and accessories (Elite & Premier plans ONLY)
  • Automatic extension of cover, and more.

*The limits under adult & children or family cover are subject to individual cover limits per insured person

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Medical-related coverage

Concerned with coverage benefits for Traditional Chinese Medicine, Child Guard, and overseas ICU hospitalisation? These are some of the medical-related coverages MSIG TravelEasy offers you. 

 

Benefit Type

Standard

Elite

Premier

Overseas Medical Expenses

Individual

Adult below 70 years

S$250,000

70 years and above

S$50,000

Child

S$150,000

Adult & Children/Family*

S$800,000

Individual

Adult below 70 years

S$500,000

70 years and above

S$75,000

Child

S$200,000

Adult & Children/Family*

S$1,400,000

Individual

Adult below 70 years

S$1,000,000

70 years and above

S$100,000

Child

S$300,000

Adult & Children/Family*

S$2,600,000

Emergency Dental Expenses

Individual

Adult

S$5,000

Child

S$1,250

Adult & Children/Family*

S$10,000

Individual

Adult

S$10,000

Child

S$2,500

Adult & Children/Family*

S$20,000

Individual

Adult

S$15,000

Child

S$3,750

Adult & Children/Family*

S$30,000

Medical Expenses in Singapore

Treatment within 72 hours of return to Singapore

Individual

Adult below 70 years

S$25,000

70 years and above

S$5,000

Child

S$10,000

Adult & Children/Family*

S$70,000

Individual

Adult below 70 years

S$50,000

70 years and above

S$7,500

Child

S$20,000

Adult & Children/Family*

S$140,000

Individual

Adult below 70 years

S$75,000

70 years and above

S$10,000

Child

S$30,000

Adult & Children/Family*

S$210,000

Overseas Hospitalisation Daily Benefit

Individual

Adult

S$200 per day, maximum S$20,000

Child

S$100 per day,

maximum S$5,000

Adult & Children/Family*

S$50,000

Individual

Adult

S$250 per day, maximum S$37,500

Child

S$125 per day,

maximum S$12,500

Adult & Children/Family*

S$100,000

Individual

Adult

S$300 per day, maximum S$60,000

Child

S$150 per day,

maximum S$15,000

Adult & Children/Family*

S$150,000

Medical & Travel Assistance Services

Available

Traditional Chinese Medicine Expenses

Individual

Adult

S$200

Child

S$100

Adult & Children/Family*

S$600

Individual

Adult

S$400

Child

S$250

Adult & Children/Family*

S$1,300

Individual

Adult

S$600

Child

S$300

Adult & Children/Family*

S$1,800

Other Medical-related Coverages

  • Mobility aid reimbursement
  • Maternity medical expenses overseas (Elite & Premier plans ONLY)
  • Overseas ICU hospitalisation daily benefit (Elite & Premier plans ONLY)
  • Hospitalisation daily benefit in Singapore
  • Emergency medical evacuation and repatriation of S$1 million
  • Compassionate and hospital visit
  • Child guard
  • Emergency telephone charges

*The limits under adult & children or family cover are subject to individual cover limits per insured person

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COVID-19 coverage

The COVID-19 coverage benefits include pre-trip benefits and during-trip benefits.

 

Pre-trip benefits

These three sections provide coverage before you leave for your trip.

Benefit Type

Standard

Elite

Premier

Travel Cancellation

Individual

S$3,000

Adult and Children

S$4,500

Family

S$7,500

Individual

S$4,000

Adult and Children

S$6,000

Family

S$10,000

Individual

S$5,000

Adult and Children

S$7,500

Family

S$12,500

Travel Postponement

Individual

S$500

Adult and Children

S$750

Family

S$1,250

Individual

S$1,000

Adult and Children

S$1,500

Family

S$2,500

Individual

S$1,500

Adult and Children

S$2,250

Family

S$3,750

Traveller Replacement

Individual

S$500

Adult and Children

S$750

Family

S$1,250

Individual

S$750

Adult and Children

S$1,125

Family

S$1,875

Individual

S$1,000

Adult and Children

S$1,500

Family

S$2,500

 

During-trip benefits

Coverages here will come in handy when you’re overseas and fall sick due to COVID-19.

Benefit Type

Standard

Elite

Premier

Overseas Medical Expenses

Individual

Adult below 70 years/ S$75,000

70 years and above | Child

S$37,500

Total adult and children cover

S$150,000

Total family cover

S$225,000

Individual

Adult below 70 years/ 

S$150,000

70 years and above | Child

S$75,000

Total adult and children cover

S$300,000

Total family cover

S$450,000

Individual

Adult below 70 years/ 

S$250,000

70 years and above | Child

S$125,000

Total adult and children cover

S$500,000

Total family cover

S$750,000

Medical & Travel Assistance Services

Included

Emergency Medical Evacuation & Repatriation

Individual adult/child

S$1,000,000

Total adult & children cover

S$1,500,000

Total family cover

S$3,000,000

Shortening of Trip

Individual adult/child

S$3,000

Total adult & children cover

S$4,500

Total family cover

S$7,500

Individual adult/child

S$4,000

Total adult & children cover

S$6,000

Total family cover

S$10,000

Individual adult/child

S$5,000

Total adult & children cover

S$7,500

Total family cover

S$12,500

Other COVID-19 Coverages

  • Travel disruption
  • Automatic extension of cover (adult/child: included)
  • Overseas quarantine daily benefit
  • Employee replacement (for corporate policyholders only)

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Related Story: Best Travel Insurance for Families & Groups 2023

 

Personal accident coverage

Under its personal accident coverage, MSIG TravelEasy includes funeral expenses and child education grants (up to a certain limit).

Benefit Type

Standard

Elite 

Premier

Accidental Death & Permanent Total Disability

Individual

Adult below 70 years

S$150,000

70 years & above

S$50,000

Child

S$50,000

Adult & Children/Family*

S$400,000

Individual

Adult below 70 years

S$200,000 

70 years & above

S$75,000 

Child

S$75,000 

Adult & Children/Family*

S$550,000 

Individual

Adult below 70 years

S$500,000 

70 years & above

S$100,000 

Child

S$100,000 

Adult & Children/Family*

S$1,200,000 

Public Transport Double Cover

Not covered 

Individual

Adult below 70 years

S$400,000 

70 years & above

Not covered 

Child

S$150,000 

Adult & Children/Family*

S$1,100,000 

Individual

Adult below 70 years

S$1,000,000 

70 years & above

Not covered 

Child

S$200,000 

Adult & Children/Family*

S$2,400,000 

Funeral Expenses Due to an Accident

Individual

Adult

S$3,000

Child

S$750

Adult & Children/Family*

S$6,000

Individual

Adult

S$5,000

Child

S$1,250

Adult & Children/Family*

S$10,000

Individual

Adult

S$8,000

Child

S$2,000

Adult & Children/Family*

S$16,000

Child Education Grant

A lump sum payment per child, upon the accidental death of an insured parent

Not covered 

S$5,000 per child, 

Up to S$20,000

S$8,000 per child, 

up to S$32,000

Family Assistance Benefit

Not covered

Individual

S$3,000

Adult & Children/Family*

S$6,000

Individual

S$5,000

Adult & Children/Family*

S$10,000

*The limits under adult & children or family cover are subject to individual cover limits per insured person

 

Personal liability coverage

This coverage focuses on your personal liability toward third parties (property damages and bodily injuries) and legal costs due to a wrongful arrest or detention.

Benefit Type

Standard

Elite

Premier

Personal Liability

Individual

Adult S$500,000

Child S$250,000

Adult & Children/Family*

S$500,000

Individual

Adult S$1,00,000

Child S$500,000

Adult & Children/Family*

S$1,000,000

Individual

Adult S$1,000,000

Child S$500,000

Adult & Children/Family*

S$1,000,000

Legal Expenses: Wrongful Arrest or Detention

Not covered 

Individual

Adult S$5,000

Child S$5,000

Adult & Children/Family*

S$5,000

Individual

Adult S$10,000

Child S$10,000

Adult & Children/Family*

S$10,000

*The limits under adult & children or family cover are subject to individual cover limits per insured person

Related Story: The Best Travel Insurance in Singapore For COVID-19 Coverage

 

Safety coverage

Travel insurance benefits under this section include risks due to hijacking, kidnapping, and terrorism.

Benefit Type

Standard

Elite

Premier

Terrorism Cover (outside Singapore)

Excluding biological, chemical and nuclear devices

Individual

S$200,000

Adult & Children/Family*

S$800,000

Individual

S$300,000

Adult & Children/Family*

S$1,200,000

Individual

S$500,000

Adult & Children/Family*

S$2,000,000

Passive War

Only for accidental death & total permanent disability

Individual

Adult below 70 years

S$150,000

70 years & above

S$50,000

Child

S$50,000

Adult & Children/Family*

S$400,000

Individual

Adult below 70 years

S$200,000

70 years & above

S$75,000

Child

S$75,000

Adult & Children/Family*

S$550,000

Individual

Adult below 70 years

S$500,000

70 years & above

S$100,000

Child

S$100,000

Adult & Children/Family*

S$1,200,000

Public Transport Hijack

Hijack per 6 hours of the public transport the insured person is travelling on

Individual

S$100, 

maximum S$2,000

Adult & Children/Family*

S$5,000

Individual

S$200, 

maximum S$4,000

Adult & Children/Family*

S$10,000

Individual

S$300, 

maximum S$6,000

Adult & Children/Family*

S$15,000

Kidnap and Hostage

 

Kidnap and holding hostage of an insured person per 6 hours

Individual

S$100, 

maximum S$2,000

Adult & Children/Family*

S$5,000

Individual

S$200, 

maximum S$4,000

Adult & Children/Family*

S$10,000

Individual

S$300, 

maximum S$6,000

Adult & Children/Family*

S$15,000

*The limits under adult & children or family cover are subject to individual cover limits per insured person

 

Lifestyle coverage

Concerned about your pet, home contents, or adventure activity coverage? Discover how MSIG TravelEasy protects you under its Elite and Premier Plan tiers.

Benefit Type

Standard

Elite

Premier

Adventurous Activities 

Includes bungee jumping, hot air ballooning, jet skiing, diving, and other activities listed in the policy

Not covered 

Yes

Yes

Golfer’s Cover

Not covered 

Damage or loss of equipment (excluding while in use) 

S$1,000

Unused green fees due to injury or illness

S$500

Hole-in-one

S$500

Damage or loss of equipment (excluding while in use) 

S$1,500

Unused green fees due to injury or illness

S$750

Hole-in-one

S$750

Unused Entertainment Ticket

Not covered 

Individual

S$300

Adult & Children/Family* 

S$600

Individual

S$500

Adult & Children/Family* 

S$1,000

Home Contents

Not covered 

S$10,000

S$15,000

Domestic Pets Care

Continued pet stay at the pet hotel due to the injured person’s injury or illness overseas or delays in public transport

Not covered

S$50 per day, maximum S$500

S$75 per day, maximum S$750

Other Lifestyle Coverages

  • Returning a rental vehicle (Elite & Premier plans ONLY)
  • Rental vehicle excess (Elite & Premier plans ONLY)

*The limits under adult & children or family cover are subject to individual cover limits per insured person

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Related Story: Guide to New Travel Measures & Travel Insurance in 2023

MSIG TravelEasy Premium Costs

The different premium pricing for MSIG TravelEasy is split into three categories, namely Areas A, B, and C.

 

Area A

Countries under Area A are Brunei, Indonesia, Laos, Cambodia, East and West Malaysia, Vietnam, the Philippines, Thailand, and Myanmar.

Plan Type

Standard

Elite

Premier

Single Trip

First three days

Individual S$38

Family S$96

Daily rate

Individual S$6

Family S$13

First three days

Individual S$52.50

Family S$121

Daily rate

Individual S$7.50

Family S$16.50

First three days

Individual S$74

Family S$174

Daily rate

Individual S$10.50

Family S$21

Annual Plan

Individual S$289

Family S$579

Individual S$399

Family S$752

Individual S$559

Family S$926

 

Area B

Now, Area B countries consist of Australia, China (excluding Inner Mongolia and Tibet), India, Japan, Korea, Hong Kong, New Zealand, Macau, Taiwan, Sri Lanka and countries under Area A.

Plan Type

Standard

Elite

Premier

Single Trip

First three days

Individual S$46

Family S$116

Daily rate

Individual S$7.50

Family S$15

First three days

Individual S$66

Family S$167

Daily rate

Individual S$10

Family S$20.50

First three days

Individual S$96.50

Family S$227

Daily rate

Individual S$12.50

Family S$25.50

Annual Plan

Individual S$347

Family S$643

Individual S$450

Family S$823

Individual S$617

Family S$1,029

 

Area C

Area C comprises other countries worldwide, inclusive of countries in Areas A and B.

Plan Type

Standard

Elite

Premier

Single Trip

First three days

Individual S$73.50

Family S$186

Daily rate

Individual S$12

Family S$21.50

First three days

Individual S$99

Family S$234

Daily rate

Individual S$14

Family S$27.50

First three days

Individual S$132.50

Family S$305

Daily rate

Individual S$19

Family S$34.50

Annual Plan

Individual S$523

Family S$882

Individual S$658

Family S$1,086

Individual S$882

Family S$1,357

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Related Story: Best Year-End Travel Destinations to Beat the Crowd

Why does MSIG TravelEasy work for you?

The major pull factor of this travel insurance plan is how it’s been carefully curated to include different travel risks.  This includes some coverages that are suit your needs (like traveller replacement, adventurous activities, and extension of pet stays). It also offers you COVID-19 coverage instantly when you purchase the insurance.

 

 Eligibility

You have to meet one of these two conditions, depending on your citizen or residency type: 

  • All insured persons must be residing in Singapore and aged at least one month and above; 
  • This includes foreigners holding an Employment Pass or Work Permit and living in Singapore

 

Exclusions

While this plan does not cover pre-existing conditions, you can opt for MSIG TravelEasy Pre-Ex instead.

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How do I make a MSIG TravelEasy claim?

There are three steps to making a claim with MSIG:

  1. Report your claim ASAP or within 30 days of the insured event via MSIG’s “submit claim online” button. If you’re encounter an emergency travel or medical situation abroad, contact MSIG Assist, a 24-hour hotline at +65 6323 8288
  2. Collect the information you need (photographs of damaged items, police report, etc)
  3. Submit your claim online to receive your claims payment quickly.

Most claims take up to three weeks. So, ensure that you receive the acknowledgment message once you submit your claim. Claims submitted during peak travel periods may take a longer time.

 

MSIG TravelEasy Pre-Ex Travel Insurance Plan

If you’re considering a trip abroad but have a pre-existing medical condition, you can consider MSIG TravelEasy Pre-Ex.

This travel insurance plan is for insured persons with pre-existing conditions that are stable and controlled. In order to qualify, the applicant needs to meet a set of medical-related conditions. 

Single-plan individual travel insurance coverage is available for up to 30 days. No annual plan coverage is available. Find out more details about MSIG TravelEasy Pre-Ex here.

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Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. However, 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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