Tiq travel insurance from Etiqa comes in three plans, Entry, Savvy and Luxury, with overseas medical cover of S$200,000, $500,000 and $1 million for adults under 70. This Etiqa Tiq travel insurance review finds two features that set it apart: a Pre-Ex version of each plan for travellers with pre-existing conditions, and a travel delay benefit that pays automatically once a tracked flight is three hours late.
The trade-offs are modest baggage and delay limits and sharply lower medical limits from age 70. All figures are from Etiqa’s product page, brochure and policy wording, as at November 2026.
The short version: Tiq’s medical and evacuation limits are high for the price tier, and Pre-Ex cover is built in as a plan choice. Its travel delay cap ($300 to $500) and baggage delay cap ($200) are small, and travellers aged 70 and above get medical limits of $30,000 to $75,000.
Etiqa Tiq Travel Insurance Plans and Main Limits
The policy is underwritten by Etiqa Insurance Pte. Ltd. Limits below are per insured adult under 70, per trip.
| Benefit | Entry | Savvy | Luxury |
|---|---|---|---|
| Overseas medical expenses | $200,000 | $500,000 | $1,000,000 |
| Overseas medical, age 70 and above | $30,000 | $50,000 | $75,000 |
| Emergency medical evacuation and repatriation (combined) | $1,000,000 | $1,500,000 | $1,800,000 |
| Trip cancellation and loss of deposit | $5,000 | $5,000 | $10,000 |
| Travel curtailment | $3,000 | $3,000 | $5,000 |
| Personal effects (baggage) | $2,000 | $2,000 | $3,000 |
| Baggage delay ($100 per 6 hours) | $200 | $200 | $200 |
| Travel delay ($50 per 3 hours) | $300 | $300 | $500 |
| Accidental death and permanent disablement | $150,000 | $300,000 | $500,000 |
Baggage claims have sub-limits: $1,000 for one laptop and $250 for a mobile phone or any other single item.
Entry has no cover for medical expenses in Singapore after you return. Savvy and Luxury pay up to $7,500 and $10,000 for adults under 70.
A worked example on travel delay
Suppose your flight home is delayed by seven hours and you are on the Savvy plan. The benefit pays $50 for each full three hours, so two blocks: $100. To reach the $300 cap, the delay would need to run 18 hours.
A delay that happens in Singapore, such as on your outbound flight, pays at most $50 under the wording, however long it lasts.
Pre-Existing Conditions, COVID-19 and Adventure Cover
Pre-existing conditions. Each plan has a Pre-Ex version. The wording covers pre-existing conditions under four sections only: overseas medical expenses, overseas hospital income, emergency evacuation and repatriation.
The pre-ex medical limits for adults under 70 are $75,000 (Entry), $125,000 (Savvy) and $150,000 (Luxury), falling to $20,000, $40,000 and $50,000 from age 70. Combined evacuation and repatriation limits are $150,000 to $250,000. These are sub-limits within the plan’s normal limits, not extra cover.
The extension pays for an acute onset of the condition during the trip, for up to 30 days from that onset. It does not cover outpatient treatment or medical bills in Singapore. Trip cancellation because of a pre-existing condition is not one of the four sections.
Pre-Ex plans cover single return trips of up to 30 days. Eligibility conditions apply, including following your doctor’s advice and limits on hospital use in the past 12 months. Our guide to travel insurance for pre-existing conditions explains how these definitions usually work.
COVID-19. This is an optional add-on. The table of benefits lists overseas medical limits of $100,000, $200,000 and $300,000, plus cancellation, postponement and quarantine allowance benefits. The same table marks the add-on as not covered on Pre-Ex plans.
Adventure activities. The wording allows leisure scuba diving to 30 metres with a qualified instructor, or within your PADI-certified depth (but no deeper than 30 metres) with a PADI-certified buddy or instructor. It excludes hiking or trekking above 3,000 metres, mountaineering or rock climbing that needs climbing equipment and ropes, and expeditions. Etiqa’s page lists hot air ballooning, skydiving, bungee jumping, paragliding and non-competitive winter sports as covered leisure activities.
If your trip includes high-altitude routes, see travel insurance for hiking and trekking and, for divers, travel insurance for scuba diving.
Age Limits, Single Trip and Annual Plans
- Single trip: one round trip from Singapore of up to 182 consecutive days.
- Annual multi-trip: unlimited trips in the policy year, each no longer than 90 days.
- Age: travellers over 70 can buy, with reduced limits. A child is covered from three months old.
- Family plans are available only on the non Pre-Ex plans.
For older travellers the gap is large: Luxury drops from $1 million to $75,000 of overseas medical cover at 70. Our guide to travel insurance for seniors covers what to check.
Exclusions Worth Knowing
- Known events. Etiqa’s page lists events excluded for policies bought after a stated date, such as specific conflicts and volcanic eruptions. Check the list before you buy.
- Medical travel. Trips made to receive medical treatment overseas are not covered.
- Buying after departure. Cover must start before you leave Singapore.
- Late purchase. Trip cancellation, travel agent bankruptcy and the COVID-19 cancellation and postponement benefits are excluded if the policy is bought less than three days before departure, counting the departure date. For trip cancellation, death of the insured person, a relative or a travel companion caused by an accident is the exception.
- Cancellation reasons that arise early. Trip cancellation pays only if the covered event happens within 60 days before the trip starts.
- Hazardous work and professional or extreme sports are excluded.
- Trekking above 3,000 metres, roped climbing and expeditions are excluded, as noted above.
Trip cancellation has its own list of accepted reasons. Our explainer on trip cancellation cover sets out what insurers usually accept.
How Claims Are Filed
Claims go through the Etiqa+ SG app or the TiqConnect portal, with supporting documents uploaded. An assessor reviews the claim, and Etiqa notifies you by SMS or email.
The policy wording asks for claims and supporting documents as soon as possible and no later than 30 days after the event. For theft or loss, it requires a report to the police or relevant authority within 24 hours.
Automatic flight delay payouts go to an eWallet that can be cashed out through PayNow. They apply only to the flights you registered.
Who Tiq Travel Insurance Does Not Suit
- Travellers aged 70 and above who want high medical limits.
- Anyone carrying expensive items. The $250 per-item limit is low for cameras and watches.
- Travellers who need pre-ex cover on an annual plan or a trip longer than 30 days.
- Trekkers going above 3,000 metres.
- People who want cancellation cover linked to a pre-existing condition.
To see how these limits sit beside other insurers, use our comparison of travel insurance in Singapore. It compares on stated measures and does not rank.
What To Do Next
- Decide which limit matters most for your trip. Our guide to travel insurance medical coverage helps you size it.
- Read the table of benefits in Etiqa’s policy wording for your plan, including the sub-limits.
- Check the known-event list on Etiqa’s page against your destination.
- Buy early. When to buy travel insurance explains why cancellation cover depends on timing.
Premiums and promotions change often, so check Etiqa’s page for the current price. This article is general information, not advice.
