Travelling with a Pre-existing Conditions (2022)– Which Travel Insurance Should I Choose?

Most run-of-the-mill travel insurance plans exclude pre-existing conditions. This means, if you need to seek medical treatment or be sent home due to a known medical condition (e.g. diabetes) during your travels, you will not be compensated. That sounds severe. Well, if you currently have a stable medical condition, that shouldn't deter you from travelling. You simply need to choose from a small handful of policies that cover pre-existing conditions. Let's take a look at them.

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Travel Insurance That Covers Pre Existing Conditions Singapore

Looking for a travel insurance plan that would cover you for all medical expenses and emergency evacuation costs, even those of pre-existing medical conditions?

NTUC Enhanced PreX Travel Insurance

NTUC Enhanced PreX Travel Insurance Plans (Basic, Superior, Prestige)

Benefit NTUC Enhanced PreX Basic NTUC Enhanced PreX Superior NTUC Enhanced PreX Prestige
Personal accident $200,000 $200,000 $500,000
Overseas medical expenses (due to pre-ex conditions)$150,000 $150,000 $3,00,000
Medical Expenses in Singapore $25,000 $25,000 $50,000
Overseas hospital allowance $200 a day, up to $20,000 $200 a day, up to $20,000 $200 a day, up to $50,000
Trip cancellation $10,000 $10,000 $15,000
Emergency medical evacuation (due to pre-ex conditions)$150,000$150,000$300,000

MSIG TravelEasy Pre-Ex Standard Travel Insurance

MSIG TravelEasy Pre-Ex Travel Insurance Plans (Standard, Elite, Premier)

Benefit MSIG Standard Plan MSIG Elite Plan MSIG Premier Plan
Personal Accident $150,000 $200,000 $500,000
Overseas medical expenses (due to pre-ex conditions)$75,000 $100,000 $150,000
Post-trip medical expenses $25,000 $50,000 $75,000
Overseas hospitalisation $200 per day, up to $20,000 $250 per day, up to $37,500 $300 per day, up to $60,000
Trip cancellation $5,000$10,000$15,000
Emergency medical evacuation (due to pre-ex conditions) $100,000 $150,000 $200,000

Etiqa TiQ Pre-Ex Travel Insurance

Etiqa TiQ Pre-X Travel Insurance Plans (Entry, Savvy, Luxury)

Benefit TIQ Pre-Ex Entry TIQ Pre-Ex Savvy TIQ Pre-Ex LUXURY
Personal accident $150,000$300,000$500,000
Overseas medical expenses (due to pre-existing conditions)$75,000$125,000$150,000
Post-trip medical expenses Not covered$7,500$10,000
Overseas hospitalisation benefit $200 per day, up to $5,000$200 per day, up to $10,000$200 per day, up to $20,000
Trip cancellation$5,000$5,000$5,000
Emergency medical evacuation (due to pre-existing conditions)$150,000$200,000$250,000

Frequently Asked Questions

What is pre existing condition exclusion?

Many travel insurers do not cover pre-existing conditions. It will be stated in the policy wording under "exclusions". Pre-existing medical conditions are injuries or illnesses that you are aware of and/or receiving treatment for, before departing for your trip. Some examples of such pre-existing conditions include asthma, diabetes, heart attack, stroke, hypertension, eczema and so on.

Is there any travel insurance that covers pre existing conditions?

Yes. Currently there are 3 such plans: NTUC Enhanced PreX Travel Insurance, MSIG TravelEasy Pre-Ex Standard Travel Insurance and Etiqa TIQ Insurance Pre-Ex Travel Insurance. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

How much does it cost to buy pre-existing travel insurance?

The premium for MSIG TravelEasy Pre-Ex (Standard) starts from $38 for a 3-day trip in Southeast Asia. The same duration and destination would cost you $54 for the NTUC Enhanced PreX Travel Insurance (Basic) plan and $62 for Etiqa TIQ Insurance Pre-Ex Travel Insurance (Entry) plan. It costs more for higher tiers.