MSIG Travel Insurance: What's the Deal?

MSIG Travel Insurance: What's the Deal?

MSIG’s TravelEasy Pre-Ex plan offers pre-existing medical condition coverage for compeititive premiums and comes stocked with a variety of peace-of-mind benefits that individual travellers may find useful.

Good for

  • Travellers who need pre-existing condition coverage
  • People seeking adventurous activity or golf coverage
  • Lone senior travellers

Bad for

  • Families and groups
  • Consumers who need trip inconvenience coverage due to their conditions

Editor's Rating

4.0/5.0

MSIG's Travel Pre-Ex plan stands out as being one of three travel insurance policies that offers coverage for pre-existing conditions and offers average coverage for competitive prices. Furthermore, because MSIG's Pre-Ex version offers all the benefits of the standard TravelEasy plans, value-seeking consumers may find the plethora of miscellaneous benefits a bonus.

Summary of MSIG TravelEasy Pre-Ex Travel Insurance
TravelEasy Pre-Ex plans are competitively priced compared to other Pre-Existing travel plans on the market
No upper age limit, making the plans suitable for seniors
Medical coverage for pre-existing conditions is around average, but TravelEasy Elite and Premier plans come loaded with peace-of-mind benefits
Promotion: ; MSIG TravelEasy: 60% off single trips for MSIG TravelEasy

Table of Contents

MSIG TravelEasy Pre-Ex Travel Insurance: What You Need to Know

MSIG is one of the three insurers in Singapore offering travel insurance plans that provide coverage for pre-existing conditions. MSIG's TravelEasy and its Pre-Ex add-on plan offer three plans to choose from: Standard, Elite and Premier. In most cases, MSIG's Pre-Ex plans are cheaper than other pre-existing plans on the market by 5-15%. Considering that pre-existing conditions can be expensive to manage, MSIG's pricing can be a welcome change for the financially-burdened traveller who is used to paying high premiums for their condition. This is in contrast to MSIG's base TravelEasy option, which, with the exception annual ASEAN plans, is not as competitively priced.

This graph compares the price of all the major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers find the cheapest travel insurance for their trip.

The TravelEasy Pre-Ex plan includes all the benefits of the TravelEasy plan along with medical coverage for pre-existing conditions. Its medical coverage ranges from S$75,000 for the Standard plan to S$150,000 for the Premier plan, which is around the average compared to the market coverage for pre-existing medical conditions. Trip incovenience benefits are similarly around market average. However, MSIG's TravelEasy plans offer some notable perks in their coverage that are rarely seen all together in other plans. This includes golf and adventure sports coverage and peace of mind benefits like wedding items coverage, passive war medical coverage, terrorism cover, pet care coverage and FDW belongings coverage. However, most of these perks are offered only for the Premier and Elite plan, pricing out those who are looking for budget plans.

There are a couple of drawbacks of the Pre-Ex plans that consumers should be aware of. Firstly, for customers of the Pre-Ex plan, the maximum trip length you can take and still receive coverage is 30 days, so travellers with pre-existing conditions who take long-haul trips may not get enough coverage. Secondly, pre-existing conditions won't be covered if they worsen within 30 days of the departure date and the doctor prescribes further treatment, medication or surgery. Lastly, you will not be able to file a claim for trip inconvenience benefits, such as trip cancellations, due to pre-existing conditions. For consumers looking for trip inconvenience coverage that includes their pre-existing conditions can consider NTUC Income's Enhanced Pre-Ex Plan instead.

Sports Coverage

You are covered for adventurous activity including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white water rafting, diving and general snow sports (skiing, snowboarding). There is also decent golf coverage for equipment, unused green fees, and hole-in-one. However, you will only get the adventure cover and golf cover for Elite and Premier plans.

Golf CoverStandardElitePremier
Equipment Damage or Loss (except in use)N/AS$1,000S$1,500
Unused Green FeeN/AS$500S$750
Hole-in-OneN/AS$500S$750

Notable Exclusions

MSIG has standard medical and trip/baggage related exclusions. You can't claim for terminal illnesses, mental disorders, pregnancy related expenses that aren't covered by the maternity illness benefit and you can't file any claims if you are travelling for medical purposes. Additionally you will not be covered if you are travelling to compete in professional sports, will do any kind of manual work or will be going on expeditions. You should always double check the policy wording to make sure you know exactly what events you will be covered for.

Medical ExclusionsTrip Inconvenience Exclusions
Terminal IllnessesParticipation in professional or compensated sports
Mental disorders and suicideItems taken by customs officials
Unnecessary dental expensesItems left unattended in a public place
Pregnancy-related events unless mother is at riskTravelling to a country at war
Travelling when medically unfitClaims paid for by other insurers

Claims Information

To submit a claim with MSIG, you can either submit the claim online or download and mail the claim form. For both options you need to have all the appropriate documentation. If you are claiming for loss or damaged items, you have to make a police report within 24 hours of the event and request a copy for your claim submission.

Contact Information
Customer Service(65) 6827 2548
24-Hour Emergency Assistance(65) 6323 8288
Address4 Shenton Way #21-01 SGX Centre 2, Singapore 068807
ClaimsOnline

MSIG Travel Insurance Details

It is important to make sure that you are getting the right coverage for your next trip, and that you're not overpaying for coverage. Below, you'll find a summary of MSIG's benefits and premiums for its Pre-Ex plan, as well as how they compare to the industry average. If you would like to compare MSIG to other plans on the market, you can read our top picks of the best travel insurance policies in Singapore here.

Pre-Ex Plan PremiumsStandardElitePremierAvg. Pre-Ex Market Cost
1-Week ASEANS$70.50S$90.00S$120.50S$125.00
1-Week AsiaS$85.00S$107.00S$148.00S$159.00
1-Week GlobalS$115.00S$147.50S$192.50S$214.00
Coverage BenefitsStandardElitePremier
Personal Accident & DeathS$150,000S$200,000S$500,000
MedicalS$250,000S$500,0001,000,000
Medical (Pre-Ex)S$75,000S$100,000S$150,000
Emergency Medical & Repatriation (Pre-Ex)S$100,000S$150,000S$200,000
Trip CancellationS$5,000S$10,000S$15,000
Trip DelaysS$500S$1,000S$1,500
Baggage Loss DamageS$3,000S$5,000S$7,000
Baggage DelayS$600S$1,000S$1,500

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