Why Trust MoneySmart?Yes—MSIG travel insurance (specifically the TravelEasy and TravelEasy Flex plans for Singapore residents) covers trip delays.
You’ll receive a fixed cash payout for every eligible block of waiting time if your trip is delayed due to certain covered reasons. Common triggers include adverse weather, natural disasters, mechanical or technical breakdowns in public transport, or strikes that disrupt your scheduled journey.
Payouts apply only if the cause falls under the insured scenarios set out in the plan’s terms, making MSIG’s policies practical for real-world travel disruptions.
Key benefits by plan type
MSIG offers two main plan series, each with its own trip delay structure and payout logic:
TravelEasy | TravelEasy Flex |
Pays after every full 6-hour block of delay (e.g., $100 per 6 hours) The maximum payout varies by plan tier (Lite, Standard, Elite, Premier), typically between $500 and $1,500 | More responsive: pays once you reach a 4-hour delay (e.g., $60 per 4 hours on Standard Flex) Higher total payout cap, up to $2,400 per trip depending on plan |
The key difference: Flex plans kick in sooner after a shorter wait, and their payout ceiling is higher—ideal for frequent flyers or longer journeys where delays add up.
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What is covered?
MSIG’s trip delay compensation is only available if your journey is disrupted by specific, unforeseen events.
Severe weather (e.g., heavy rain, storms) or natural disasters.
Mechanical or technical breakdowns of public transport (plane, train, ship).
Operational issues: strikes, industrial action, riots, civil disturbance.
Airport/airspace closures for safety reasons.
Some plans also cover delays from:
Flight diversions or overbooking
Missed connections due to prior sectors being delayed
Not every delay is eligible—routine schedule changes or airline operational decisions don’t usually qualify. Check your plan wording for full scenarios.
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Additional MSIG travel insurance perks
Lounge Access: Complimentary single-entry lounge pass for registered flights delayed by 90 minutes or more (register at least 24 hours in advance)
Alternative Travel/Expenses: If you book alternative transport to reach your destination before the next available flight (instead of waiting), MSIG may reimburse admin or extra travel costs—subject to plan terms.
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Important requirements to claim
Check-in requirement: You must have checked in for your original scheduled journey
Written proof: Request written confirmation from your carrier or airline showing the reason for and length of delay
Keep supporting documents: Save boarding passes, booking confirmations, delay notices, and official airline notifications
Read your policy: Familiarise yourself with your specific plan’s conditions before travelling; documentation and timing matter for a successful claim.
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