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Review of Tiq Travel Insurance Singapore 2025
An award-winning local insurer, Tiq by Etiqa Insurance is the digital channel of Etiqa Insurance Singapore (part of the Maybank Group). With the usage of smart technologies to make insurance easy to buy, fast to claim, Tiq by Etiqa Insurance offers one of the cheapest travel insurance plans in Singapore.
All of the three Tiq Travel Insurance plans come with the option of a COVID-19 travel insurance add-on coverage of up to $500,000, which is something that is vital to have as more Vaccinated Travel Lane (VTL) flights are launched every few months.
In this review, let’s weigh the pros and cons, look at the Tiq Travel range of coverages, and find out if any of them are suitable for you and your travel companion.
Etiqa’s COVID-19 coverage and other key benefits
3-hour flight delay reimbursement benefit (no claim submission required)
As the first-of-its-kind in Singapore, this automated flight delay benefit reimbursement provided by Tiq Travel insurance offers you instant payout (with just 3 hours of consecutive delay) without the hassle of you submitting any claims.
COVID-19 cover
Get up to $500,000 for COVID-19 related medical, evacuation and repatriation, and trip disruptions costs incurred, quarantine allowance, as well as up to $5,000 for non-refundable costs for cancelling or postponing your trip 14 days before your departure date. If you’re hospitalised in Singapore due to a COVID-19 diagnosis after your trip, you’ll get a lump sum payout if you are hospitalised in Singapore.
24-hour global emergency travel support
From medical advice and booking of an urgent medical appointment to embassy referral or lost passport assistance, Tiq's 24-hour emergency travel support bilingual team (English and Mandarin) is always available for you, wherever you are travelling.
Cover for pre-existing medical conditions
Tiq by Etiqa Insurance is one of the few travel insurers in Singapore that provides pre-existing coverage for claims relating to your pre-existing medical conditions. Coverage for injury or illness sustained during the trip, of up to $200,000 (Entry plan), $500,000 (Savvy plan) or $1,000,000 (Luxury plan) for overseas medical expenses incurred, emergency medical evacuation and repatriation of $1,000,000 or more (depending on which plan you take up), overseas hospital allowance, personal liability coverage, and more.
Cruise & Cruise to Nowhere coverage
This is Tiq's latest addition to their Tiq Travel Insurance plan which covers any overseas medical expenses, interruption, cancellation or delay of your Cruise to Nowhere vacation (does not make any stopover at any port/country). It operates the same as the usual travel insurance plan!
Tiq By Etiqa mobile app
Tiq By Etiqa is their mobile app that gives you instant access to Tiq’s travel insurance products and services. If you’re already covered by Tiq, you can renew your personal insurance policies, submit and track claims status via their app, and receive encashable eWallet credits via PayNow, as well as their customer service assistance if you have any enquiries.
Pros and Cons of Tiq Travel Insurance
Pros
- Among the cheapest travel insurance available in Singapore
- Seamless and cashless claims reimbursement
- 24/7 global emergency travel support
- 3-hour flight delay reimbursement benefit (no claim submission required)
- Coverage for emergency medical evacuation and repatriation
- Trip interruption or cancellation coverage
- Liability for harm or damage you accidentally cause
- Comprehensive pre, during and post trip COVID-19 add-on coverage
- Coverage for pre-existing medical conditions
- Extreme sports coverage
- Coverage for Cruise and Cruise to Nowhere
Cons
- No coverage for participation in any professional sport during the trip
We reviewed Tiq by Etiqa Travel Insurance
Explore how Tiq by Etiqa's travel insurance offers affordable and comprehensive coverage—including benefits, and how it stacks up against competitors.
Etiqa Travel Insurance Plans
Entry (with Pre-Ex option)
Benefits include:
- Up to $200,000 Medical Coverage
- Up to $5,000 Trip Cancellation Coverage
- Up to $2,000 of Reimbursement for Loss/Damage of Baggage
The Entry plan which is the lowest tier of the Tiq Travel insurance, covers you for overseas medical expenses incurred of up to $200,000, up to $5,000 ($200 per 24 hrs) of overseas hospital allowance in the event you’re diagnosed with COVID-19, up to $500 ($50 per 24 hrs) of hospital allowance in Singapore, baggage delay benefit ($100 every 6 hours), and other benefits.
However, there are no coverage benefits for hospital visits, compassionate visits, and children's guardian for the Entry plan.
Savvy (with Pre-Ex option)
Benefits include:
- Up to $500,000 Medical Coverage
- Up to $5,000 Trip Cancellation Coverage
- Up to $2,000 of Reimbursement for Loss/Damage of Baggage
You’ll get more than double the coverage for overseas medical expenses and if you get COVID-19, you’ll be insured with up to $7,500 for medical expenses incurred in Singapore and 14 days of automatic extension of cover, which are much more as compared to the Entry plan.
Moreover, there’s coverage for COVID-19 related hospital visits, compassionate visits, and child’s guardian of up to $2,500, $5,000 and $2,500 respectively, and higher claim benefits for emergency medical evacuation and repatriation of up to $1,500,000, personal liability of up to $500,000.
Luxury (with Pre-Ex option)
Benefits include:
- Up to $1,000,000 Medical Coverage
- Up to $10,000 Trip Cancellation Coverage
- Up to $3,000 of Reimbursement for Loss/Damage of Baggage
The coverage is similar to the Savvy plan, except with higher claim limits for aspects such as trip cancellation, loss or damage of baggage, overseas COVID-19 diagnosis quarantine allowance, travel curtailment and disruption, overseas hospital income of up to $20,000, and more. Additional benefits include home contents cover of up to $10,000,and claims for inflight personal accidents of up to $500,000.
Comparing The Coverage Of The Best Travel Insurance In Singapore
| Insurance Provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Loss or Baggage | Premium |
|---|---|---|---|---|---|
| AIG | Emergency travel assistance services | S$200,000 | S$5,000 | S$3,000 | From S$43 |
| Allianz | Emergency transportation (Includes COVID-19 Coverage) | S$200,000 | S$1,500 | S$1,000 | From S$37 |
| Bubblegum | Overall good value | S$150,000 | S$5,000 | S$3,000 | From S$31 |
| DirectAsia | "Kids travel with free coverage" benefit (Families) | S$150,000 | S$3,000 | S$1,000 | From S$25 |
| FWD | Lower premiums | S$200,000 | S$7,500 | S$3,000 | From S$20 |
| Great Eastern | Coverage for sports and adventurous activities | S$300,000 | S$10,000 | S$5,000 | From S$51 |
| Hong Leong Assurance | No claim discount | S$150,000 | S$5,000 | S$3,000 | From S$42 |
| Income | Post-departure purchase up to a day of departure | S$250,000 | S$5,000 | S$3,000 | From S$43 |
| MSIG | Comprehensive coverage (includes pre-existing conditions) | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| Singlife | High or unlimited overseas medical coverage | S$250,000 | S$5,000 | S$3,000 | From S$29 |
| Sompo | Specially tailored plan for Japan trips | S$200,000 | S$5,000 | S$1,000 | From S$36 |
| Starr | Cruise coverage | S$200,000 | S$5,000 | S$3,000 | From S$25 |
| The Wise Traveller | Annual trips and membership programmes | S$480,000 | S$13,500 | S$13,500 | From S$306 |
| Tiq | Auto-pay out and higher efficiency for flight delays | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| Zurich | Complimentary lounge access for flight delays | S$50,000 | S$2,500 | S$2,000 | From S$14 |
Tiq Travel Insurance Add-ons
COVID-19 cover
Among the most vital add-ons to consider during this pandemic period, Tiq’s COVID-19 add-on will have you covered in any situation if you get diagnosed with COVID-19 no more than 14 days before your departure date (up to $5,000 for cancelling or postponing), or if you have to be hospitalised during your trip (up to $500,000 for emergency evacuation and repatriation, medical expenses, quarantine allowance and other costs for trip disruptions).
Upon your return to Singapore after your trip, you can also get a lump sum payout if you need to be hospitalised (within 48 hours from the date of return to Singapore) after being diagnosed with COVID-19 by a certified doctor in Singapore.
Child education cover
Suitable for travellers with children, this add-on offers the coverage of $3,000 per child with a total cap of $15,000 in the event if you suffer death due to an injury or accident that happens during your trip.
Rental car excess cover
If an accident happens, you’ll be able to cover any car rental excess you need to pay, and the benefits range from $300 to $1,000 (depending on the type of plan you purchase).
Pet hotel cover
This benefit is beneficial for pet owners as you’ll be able to claim $50 for every six hours of delay in your travel time, with a claim limit of $1,000 for all types of plans.
Sport equipment cover
Be reimbursed with up to $4,000 for your sports gear rental in the event that it requires replacement.
Tiq Travel Insurance Claims
How do travel claims work?
As with many other travel insurers, before you request to make claim with Tiq, you’ve got to be clear of what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.
Here are 4 simple steps to submit your Etiqa travel insurance claim
Step 1
Report your claims within 24 hours or 30 days of the incident
Depending on what type of claim you’re making, there are different deadlines for different claims. For instance, for the loss of personal baggage and belongings like a laptop, you’re required to make the report within 24 hours of the incident. COVID-19 medical expenses or damaged baggage. As for travel postponement claims, you have to inform Tiq by Etiqa Insurance within 30 days of the incident. You may refer to Tiq’s travel claims requirements here.
It is best to inform Tiq within the required time periods so as to avoid breaching the policy’s terms and conditions, which may affect your claim process. You may report your claims via WhatsApp through their customer service hotline +65 6887 8777, the Tiq by Etiqa mobile app or their claims portal at TiqConnect.
Step 2
Prepare all documentation
In order to provide a full context of the incident and for Tiq to assess your claim or claims, you’ll need to provide all documentation that Tiq requests. This include:
- Medical reports and related evidence in the form of photos and/or emails
- Proof of ownership of baggage or other related items
- Trip invoices, ticket confrontation, boarding passes, photocopy of passport and visas
- Original invoices and receipts
- Police, airline, transport and accommodation reports
Step 3
Receive a Claim Acknowledgement notification
Once you’ve submitted all the documents required via Tiq by Etiqa app or their claims portal at TiqConnect, you will receive a claim acknowledgement, before Tiq proceeds to review your claim.
Step 4
Be reimbursed via PayNow or other modes
You’ll receive an SMS to your mobile number registered with Tiq upon the completion of the PayNow transaction. Do note that all payouts are only made to the NRIC number of the policyholder. If you prefer other modes of payment, you can email to their Customer Service team at [email protected] to request for direct credit into your bank account.
More Things To Know
Tiq Travel Insurance Refunds & Cancellations
For single trip travel insurance policies, Tiq will give you a full refund of the premium prior to the commencement of your travel insurance policy. However, no refund will be given after the period of insurance has commenced.
As for annual travel insurance, a pro-rated refund of the premium paid corresponding to the unexpired period of insurance will be given to you, as long as the amount to be refunded is at least $20 and no claim has been submitted prior to the cancellation of your policy. If you wish to find out more, you may visit Tiq’s Travel Insurance cancellation FAQ page.
Tiq Travel Insurance Hotline
Call or WhatsApp +65 6887 8777 for general enquiries (8.45am to 5.30pm on weekdays) or +65 6327 2215 for emergency assistance (24/7). Alternatively, email Tiq Customer Care at [email protected].
Frequently Asked Questions
Will I be able to buy Tiq’s Travel Insurance once I’m abroad?
- Yes, you can purchase Tiq’s Travel Insurance online. However, please note that the policy should be effective before you physically depart from Singapore.
Am I eligible for the COVID-19 add-on cover?
- As long as you are a Singaporean, Permanent Resident of Singapore Foreigner with valid Work Pass, Foreigner with valid Student Pass, Foreigner with valid Dependant’s Pass, Foreigner with valid Long-term Visit Pass, or a Transit traveller, you’re eligible for the COVID-19 add-on cover.
Can I choose to cover only a portion of my trip if I am doing a multi-city trip?
- No, Tiq’s Travel Insurance requires your period of insurance to include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.
Am I covered for my Airbnb accommodation?
- Yes, Tiq will cover your Airbnb accommodation provided the Airbnb booked by you is legal in the country of travel.
How does the automated 3-hour flight delay reimbursement benefit work?
- No manual claims are needed to be made by you as Tiq’s automated flight delay benefit is applicable for all flights departing and returning to Singapore, as long as you have entered the accurate flight information in your application. Tiq uses technology to determine if your flight has been delayed and make the payouts accordingly to your eWallet, which you can encash via PayNow.
What kinds of leisure activities does Tiq Travel Insurance cover?
- Leisure scuba diving where you’re diving no deeper than 30 meters under the supervision of a qualified diving instructor, motorcycling, hot air balloon ride, parachuting, skydiving, bungee jumping, hang-gliding, paragliding, and non-competitive winter sports.
Does Tiq cover cruise vacations?
- Yes, Tiq currently provides coverage for Cruise to other destinations, as well as Cruise to Nowhere vacations (that does not make any stopover at any port/country).
Will I be covered for medical expenses if I am diagnosed with COVID-19 while overseas?
- Yes, only if you purchase the COVID-19 add-on cover to your Entry or Savvy or Luxury plan. If you are diagnosed with COVID-19 while overseas, the plan will cover you for overseas medical expenses incurred of up to $200,000 to $1,000,000, depending on which tier you get i.e Entry, Savvy or Luxury. Do note that you must submit valid documentary proof showing the date you have taken the COVID-19 test and was diagnosed positive.
Can I claim for travel cancellation or travel postponement costs if I am diagnosed with COVID-19 in Singapore?
- Yes, you can claim up to $5,000 for non-refundable costs for cancelling or postponing your trip, as long as it is 14 days before your departure date.
Does Tiq’s Travel Insurance cover terrorism?
- Yes. Any interruption or cancellation to your trip resulting from acts of terrorism are covered by all Etiqa’s travel insurance plans. However, this coverage excludes claims for losses arising from use of nuclear substances due to any terrorist events.
Is my child covered by travel insurance if travelling on his/her own while on a family trip?
- For individual travel insurance, your child must be at least 18 years of age. Under a family annual plan, your child can travel separately on his/her own. In case of exceptional circumstances, please write in to Tiq Customer Care Team at [email protected] to request a purchase.
How can I get emergency travel assistance when I am overseas?
- As a policyholder, you are entitled to free 24-hour travel assistance services available via this hotline +65 6327 2215, and consultation is free. Other third-party costs and expenses are covered under your policy. Etiqa’s travel information and emergency assistance services include pre-trip information services, inoculation requirements and visa requirements, 24-hours emergency general travel assistance (English and Mandarin), embassy referral, loss of luggage or passport assistance and many more.
What if the PayNow transfer of my reimbursement from Etiqa failed?
- You may call or WhatsApp Tiq Customer Care Team at +65 6887 8777, or email to [email protected] to request for further assistance.
Will I be able to extend the period of cover if I am still overseas?
- Extension of the travel insurance period of cover will be automatically extended for up to 7 consecutive days without additional premium subject to relevant documents evidencing any emergency events (that results in the need for the extension) submitted to Tiq. You can contact Tiq’s 24-hour hotline at +65 6327 2215 to request for the extension.