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Compare Pre-Existing Condition Travel Insurance | Up to 65% OFF
Pre-existing condition travel insurance covers you even when a past or ongoing health condition would normally get your claim rejected elsewhere.
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S$20
S$5060% OFF
Total Premium
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Valid till 31 Oct 2026
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S$30.80
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Valid till 31 Oct 2026
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Covers Pre-Existing Conditions
S$71
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Travel with REWARDS:
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[Exclusive MSIG Promos]
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Valid till 31 Oct 2026
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Pre-existing medical condition coverage available
S$97.49
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Extra REWARDS when Travelling:
Get a S$30 Revolut cash reward with Income Travel premiums purchased. T&Cs apply.
[Income's Online Promos]
• Get 55% off on Standard Per-trip travel plans.
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Valid from 29 Oct to 2 Nov 2026. 9:00AM. Ts&Cs apply.
Valid till 31 Oct 2026
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S$54
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[Tiq's Online Promos]
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[Tiq Travel Pass Rewards]
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S$26.80
S$6760% OFF
Total Premium
MoneySmart Exclusive
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Choose CASH or REWARDS:
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Valid till 31 Oct 2026
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Auto-payout for ≥3hour flight delays
S$84.37
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[Tiq's Online Promos]
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Valid till 31 Oct 2026
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on Tiq by Etiqa's secure site
Covers Pre-Existing Conditions
S$85
Total Premium
MoneySmart Exclusive
[Your Trip is on US!🛫]
Score up to S$500 Cash via PayNow on travel reimbursements when you submit your MoneySmart Claim Form
AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MSIG Promos]
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM from MSIG.
T&Cs apply.
Valid till 31 Oct 2026
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on MSIG's secure site
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S$34.80
S$8760% OFF
Total Premium
MoneySmart Exclusive
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AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Choose CASH or REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans.
Valid till 31 Oct 2026
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on Hong Leong Assurance's secure site
Covers Pre-Existing Conditions
MoneySmart Exclusive
[Your Trip is on US!🛫]
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AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MSIG Promos]
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM from MSIG.
T&Cs apply.
Valid till 31 Oct 2026
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on MSIG's secure site
Auto-payout for ≥3hour flight delays
S$122.17
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Total Premium
MoneySmart Exclusive
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AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
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• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
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Valid till 31 Oct 2026
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S$48.40
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Total Premium
MoneySmart Exclusive
[Your Trip is on US!🛫]
Score up to S$500 Cash via PayNow on travel reimbursements when you submit your MoneySmart Claim Form
AND follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Choose CASH or REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans.
Valid till 31 Oct 2026
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on Hong Leong Assurance's secure site
Cancel for any reason included
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Insured? Get CASH!
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• AND S$30 Revolut cash reward
with Great Eastern Travel Insurance premiums purchased. T&Cs apply.
Enjoy 30% off on Single Trip premiums purchased. Valid till 1 Nov 2026. T&Cs apply.
Valid till 31 Oct 2026
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Pre-existing medical condition coverage available
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Extra REWARDS when Travelling:
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[Income's Online Promos]
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Valid from 29 Oct to 2 Nov 2026. 9:00AM. Ts&Cs apply.
Valid till 31 Oct 2026
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Pre-existing medical condition coverage available
S$75.73
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MoneySmart Exclusive
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Score SmartPoints to get Apple AirPods 5 (worth S$199) when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. T&Cs apply.
Extra REWARDS when Travelling:
Get a S$30 Revolut cash reward with Income Travel premiums purchased. T&Cs apply.
[Income's Online Promos]
• Get 55% off on Standard Per-trip travel plans.
• Get 15% off on PreX Per-trip travel plans.
• Plus, enjoy a Miffy Digital Camera Keychain from Income with min. premiums of S$150!
Valid from 29 Oct to 2 Nov 2026. 9:00AM. Ts&Cs apply.
Valid till 31 Oct 2026
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Additional Premium Starting From
MoneySmart Exclusive
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Insured? Get CASH!
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• AND S$30 Revolut cash reward
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Enjoy 30% off on Single Trip premiums purchased. Valid till 1 Nov 2026. T&Cs apply.
Valid till 31 Oct 2026
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MoneySmart Exclusive
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Insured? Get CASH!
• S$10 Cash via PayNow with a min. premium of S$100 spent.
• AND S$30 Revolut cash reward
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Enjoy 30% off on Single Trip premiums purchased. Valid till 1 Nov 2026. T&Cs apply.
Valid till 31 Oct 2026
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Best Pre-Existing Medical Condition Travel Insurance in Singapore
Most standard travel insurance plans won't pay claims linked to a medical condition you had before you bought the policy. The best pre-existing condition travel insurance fills that gap with a dedicated plan or an add-on, and the right one depends on your condition, age and trip length. This guide compares Income Enhanced PreX Basic, MSIG TravelEasy Pre-Ex Standard, Tiq Pre-Ex Entry, FWD Premium and Great Eastern GREAT TravelCare Gold, all available on MoneySmart.
Disclaimer: This is general information, not medical or financial advice. Coverage terms change when insurers update their policy wording, so always read the latest policy documents and speak to your doctor before you travel with a health condition.
Best Pre-Existing Condition Travel Insurance Plans: Comparison
All figures below are limits for claims caused by a pre-existing condition, not the plan's general limits:
Plan | Best for | Overseas medical expenses | Emergency evacuation and repatriation | Maximum trip length | Key condition |
(Dedicated plan) | Seniors and longer trips | Up to S$300,000 (all ages), combined with evacuation and repatriation | Included in the S$300,000 combined limit | Per trip: 60 days Yearly: 90 days per trip | ❌ Pre-existing condition trip cancellation not covered on Basic |
MSIG TravelEasy Pre-Ex Standard (Dedicated plan) | Older travellers on short trips (No upper age limit and no medical declaration needed) | Up to S$75,000 (adult below 70) Up to S$50,000 (adult 70 and above, child) Inpatient bills only | Up to S$100,000 | Single trip only: 30 days | No upper age limit |
(Dedicated plan) | Short trips with a stable condition | Up to S$75,000 (adult below 70) Up to S$50,000 (child) Up to S$20,000 (adult 70 and above) | Up to S$150,000, combined with repatriation of mortal remains | Single trip only: 30 days | Condition must be stable and under control |
(Optional add-on) | Families where only one / select few traveller(s) has a condition | Up to S$50,000 | Up to S$50,000 | Single trip: 30 days Annual: 45 days per trip | 50% co-payment on trip cancellation (up to S$7,500), postponement, cut short and disruption claims |
Great Eastern GREAT TravelCare Gold Optional add-on (Gold and Platinum only) | Frequent travellers who appreciate trip cancellation cover | Up to S$150,000 (adult below 70) Up to S$100,000 (child, adult 70 and above) S$100 co-payment per outpatient visit | Up to S$150,000 | Single trip and annual: 45 days per trip | 50% co-payment on trip cancellation (up to S$10,000) |
Note: Higher tiers carry higher limits. Use our pre-existing condition travel insurance comparison tool to compare the latest plans.
How pre-existing condition travel insurance limits work
- Sub-limits sit inside the overall limit: Income Enhanced PreX Basic covers overseas medical bills up to S$800,000 for adults below 70, but only S$300,000 of that applies to pre-existing condition claims.
- Limits often drop at 70: On many plans, travellers aged 70 and above get lower pre-existing condition limits. See our guide to travel insurance for seniors.
- Co-payments apply on some plans: You pay part of the claim yourself, such as 50% of trip cancellation costs under FWD's add-on.
- Cover type varies: MSIG TravelEasy Pre-Ex only pays inpatient hospital bills for pre-existing conditions, so outpatient visits aren't covered.
Common exclusions on pre-existing condition plans
Even with pre-existing condition cover, insurers typically won't pay claims if:
- You've been given a terminal prognosis with a life expectancy of under 12 months (Income, FWD and MSIG)
- You travel against your doctor's advice or to get medical treatment overseas (MSIG and Tiq)
- The claim relates to Covid-19, which MSIG TravelEasy Pre-Ex doesn't cover. Check Covid-19 travel insurance options if you need it.
💡 What affects the cost of pre-existing condition travel insurance? Your premium depends mainly on the type of cover and traveller. Add-ons either charge an extra premium on base plans (at higher tiers) or in standalone plans.
Tips to Maximise Pre-Existing Condition Travel Insurance
These habits help your cover work as intended and make claims smoother:
Tip | Why it matters |
Match the plan to your trip length | Most pre-existing condition covers stop at 30 to 45 days per trip, so check the cap before you book a long holiday. |
Buy soon after booking | Buy cover once your flights or accommodation are confirmed, so cancellation benefits apply for the whole pre-departure period. |
Get your doctor's clearance | Claims are typically rejected if you travel against medical advice, so get a medical letter confirming you're fit to fly. |
Keep your medical records handy | Carry copies of your diagnosis, prescriptions and recent test results, as insurers use them to assess claims. |
Save emergency contacts | Store your policy number and the insurer's 24/7 emergency hotline on your phone in case you're hospitalised overseas. |
Review your plan | For example, under FWD's annual plans, a condition you claimed for on an earlier trip counts as pre-existing for later trips. |
How to Apply for Pre-Existing Medical Condition Travel Insurance on MoneySmart
You can compare and apply for pre-existing condition travel insurance online through MoneySmart:
Step | Action | Details |
1 | Compare plans on MoneySmart | Use MoneySmart's travel insurance comparison tool to see plans with built-in or optional pre-existing condition cover. For frequent trips, compare annual plans with pre-existing condition cover. |
2 | Check eligibility | Confirm the plan's age limits and maximum trip length, and that your condition isn't excluded. Have your NRIC or passport details ready. |
3 | Apply for plan | Press "Apply Now" on your chosen plan, then fill in traveller details, destinations and travel dates. If you choose an add-on plan, select the pre-existing condition add-on for each traveller who needs it. |
4 | Make payment | Complete the online payment using your debit / credit card or PayNow. Most policies are issued almost instantly once your application and payment go through. |
5 | Receive documents | The insurer emails your policy schedule and wording. Check that your pre-existing condition cover and travel dates are correct before you fly. |
How to Make Claims on Pre-Existing Condition Travel Insurance
Claim processes differ by insurer, but most follow these steps:
Step | Action | Details |
1 | Call the emergency hotline first | If your condition flares up overseas, seek treatment and call the insurer's 24/7 emergency hotline as soon as possible, ideally before any hospital admission or evacuation. E.g. Tiq requires this for every pre-existing condition claim, and FWD requires medical evacuations to go through this emergency line. |
2 | Gather overseas medical report | Collect medical reports, itemised bills, receipts and prescriptions. For trip cancellations, keep booking confirmations and a doctor's memo. |
3 | Show your condition was stable before the trip | Keep your Singapore doctor's records, such as recent check-ups and prescriptions. Insurers use them to check you met conditions like: following your doctor's advice, with no repeated A&E visits or long or repeated hospital stays for the condition in the 12 months before your trip. |
4 | Submit claim within deadline | Send the claim form and supporting documents through the insurer's online portal or app—usually within 30 days or so. |
5 | Expect a smaller payout | Pre-existing condition claims are paid within their own sub-limits, minus any co-payments. Follow-up treatment in Singapore is also usually not covered. |
Disclaimer: MoneySmart helps you compare and buy travel insurance, but it does not process or decide claims. For any claim, contact the insurer named on your policy documents directly.
What our customers say about MoneySmart Travel Insurance Applications
4.4 rating of 2109 reviews
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Pre-Existing Condition? Don’t Let it Pre-Empt Your Holiday
A health condition shouldn't keep you from travelling. Compare plans with pre-existing condition cover on MoneySmart, check the medical limits for your age and trip length, and get covered before you fly.
FAQs About Pre-Existing Condition Travel Insurance
Does travel insurance cover pre-existing conditions?
Usually not. Standard travel insurance plans exclude claims linked to conditions you had before buying the policy. To be covered, you need a dedicated pre-existing condition plan or an add-on bought before your trip. Even then, claims are capped by sub-limits that are lower than the plan's general medical limit.
What is a pre-existing medical condition for travel insurance?
It's an illness or injury you already knew about before your trip. FWD, for example, counts any condition you had symptoms of, or got medical advice, tests, treatment or prescribed drugs for, in the 12 months before your trip. Common examples include diabetes, asthma and high blood pressure.
Which travel insurance covers pre-existing conditions in Singapore?
Several insurers do. Income, MSIG and Tiq sell dedicated pre-existing condition plans, while FWD, Great Eastern, Singlife and HL Assurance offer it as an add-on. Entry-level medical limits for pre-existing conditions range from S$25,000 to S$300,000, so compare plans before you buy.
Can I get annual travel insurance with pre-existing condition cover?
Yes, from some insurers. Annual pre-existing condition cover usually limits each trip to 45 to 90 days. Some dedicated plans are restricted to single trips only (often capped at 30 days), so check your trip limit if you travel frequently. See annual plans with pre-existing condition cover.
Can seniors over 70 get travel insurance with pre-existing condition cover?
Yes. Some plans, such as MSIG TravelEasy Pre-Ex, have no upper age limit. However, pre-existing condition limits often drop once you turn 70, so compare the limits for your age group, not just the headline figures, before you buy.
What pre-existing conditions are not covered by travel insurance?
Even with pre-existing condition cover, many insurers won't pay claims if:
- You have a terminal illness with a life expectancy of under 12 months
- You travel against your doctor's advice
- You travel to get medical treatment overseas
Some insurers require your condition to be stable and under control before you can travel.
Is pregnancy a pre-existing condition for travel insurance?
Insurers treat pregnancy under separate rules. Some plans exclude pregnancy and childbirth claims entirely, while others cover emergency treatment only if your due date is well after your trip. Singlife Travel Plus and Prestige require your expected delivery date to be more than 12 weeks after you return. For more comprehensive coverage, refer to our maternity insurance guide on how to get more pregnancy protection.