MSIG sells two main travel policies in Singapore: TravelEasy, with four fixed plans, and TravelEasy Flex, with three base plans and optional covers. Both pay up to S$1 million for overseas medical expenses on the top plan for adults under 70. This MSIG travel insurance review compares the two and sets out what each leaves out.
The main choice is between a fixed bundle that includes COVID-19 cover and a base plan where pre-existing conditions, COVID-19 and adventure sports are separate options. Figures are from MSIG’s product pages and policy wordings, as at November 2026.
The short version: TravelEasy bundles COVID-19 cover but excludes pre-existing conditions. TravelEasy Flex lets you add pre-existing, COVID-19, adventure and “cancel for any reason” covers. On both, medical cover falls to $100,000 or less from age 70.
MSIG Travel Insurance Plans and Main Limits
The table shows TravelEasy limits per adult under 70, per trip, from MSIG’s TravelEasy page.
| Benefit | Lite | Standard | Elite | Premier |
|---|---|---|---|---|
| Overseas medical expenses | $50,000 | $250,000 | $500,000 | $1,000,000 |
| Overseas medical, age 70 and above | $20,000 | $50,000 | $75,000 | $100,000 |
| Emergency evacuation and repatriation | $100,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Travel cancellation | Not covered | $5,000 | $10,000 | $15,000 |
| Shortening the trip | $300 | $5,000 | $10,000 | $15,000 |
| Baggage | $1,000 | $3,000 | $5,000 | $7,500 |
| Delayed baggage (per 6 hours) | $100, max $100 | $150, max $600 | $200, max $1,000 | $250, max $1,500 |
| Delayed departure ($100 per 6 hours) | Not covered | Max $500 | Max $1,000 | Max $1,500 |
Lite is sold for single return trips only and carries a $100 excess on overseas medical claims. Baggage is capped at $500 an item on Standard and above, with $1,000 for one laptop.
How TravelEasy Flex differs
Flex has Standard, Elite and Premier plans with the same overseas medical limits ($250,000, $500,000 and $1 million) and the same $1 million evacuation limit. A few base limits differ:
- Travel cancellation: $8,000, $10,000 and $15,000.
- Delayed departure: $60 for every four hours, up to $360, $600 and $1,200.
- Delayed baggage: up to $300, $600 and $1,000.
So Flex pays sooner on a delay, but its maximum is lower on every tier. A 12-hour delay on Standard pays $200 on TravelEasy (two six-hour blocks) and $180 on Flex (three four-hour blocks).
Pre-Existing Conditions, COVID-19 and Adventure Cover
Pre-existing conditions. TravelEasy excludes them. MSIG offers two routes:
- TravelEasy Pre-Ex: a separate product for single return trips of up to 30 days. No annual plan. MSIG’s page says it does not cover COVID-19.
- TravelEasy Flex option: overseas medical limits of $75,000, $100,000 and $150,000 for adults under 70, and evacuation of $100,000 to $200,000. Single return trips of up to 30 days only.
Eligibility conditions apply on Flex, such as following your doctor’s advice and limits on hospital visits in the past 12 months. See travel insurance for pre-existing conditions.
COVID-19. Included on all TravelEasy plans, with overseas medical limits of $25,000 (Lite), $75,000, $150,000 and $250,000 for adults under 70. MSIG’s page says medical cover needs a positive test within the first 90 days of the trip, and COVID-19 medical bills in Singapore are not covered. On Flex, COVID-19 is an optional cover with similar medical limits.
Adventure activities. On TravelEasy, MSIG’s page shows adventurous activities covered on Elite and Premier, not Lite or Standard. On Flex, it is an optional cover. Both wordings cover scuba diving to your certified depth, up to 30 metres with an instructor or dive master, and hiking, trekking or mountaineering up to 3,000 metres above sea level.
Higher routes need a different policy: see travel insurance for hiking and trekking and travel insurance for scuba diving.
Cancel for any reason. A Flex option for single trips, bought within 14 days of your first booking. It pays up to $2,000, $4,000 or $6,000 for cancellation, with a 50% co-payment. Our guide to trip cancellation cover explains the difference from ordinary cancellation.
Age Limits and Trip Length
- Single trip: adults from 18, no upper age stated, up to 182 days.
- Annual plan: new purchases up to age 69. Renewal from 70 only on Standard, up to age 80. Each trip up to 90 days.
- Children: above one month to below 23 years.
- Residency: Singaporeans, permanent residents and foreigners with a valid pass who live in Singapore. Trips must start and end here.
Travellers aged 70 and above get the lower medical limits in the table. Travel insurance for seniors compares age rules across insurers.
Exclusions Worth Knowing
- Known events. Anything already reported by the media or authorities before you bought the policy or booked the trip.
- Travel against a government advisory.
- Pandemics, war and nuclear risks, unless specifically covered. The Flex wording excludes COVID-19 and pandemics unless you add the COVID-19 option.
- Motorbikes under the Flex rental vehicle option.
- Treatment in Singapore must be sought within 72 hours of return, with costs incurred within 30 days.
- Insolvency cover needs purchase at least three days before departure.
How Claims Are Filed
Claims are submitted online through MSIG’s travel claims page, with bills uploaded for medical claims. The Flex wording asks you to contact MSIG with full details as soon as possible after an injury, illness or loss.
For emergencies overseas, MSIG Assist runs a 24-hour hotline. Policy documents are downloaded from the MSIG customer portal.
Who It Does Not Suit, and How To Compare
- Travellers aged 70 and above wanting an annual plan for the first time.
- People with pre-existing conditions on trips over 30 days, or who want an annual plan.
- Standard and Lite buyers planning adventure activities on TravelEasy.
- Trekkers going above 3,000 metres.
Our comparison of travel insurance in Singapore places these limits beside other insurers.
What To Do Next
- List what your trip needs: pre-existing cover, COVID-19, sports. That decides TravelEasy or Flex.
- Check the medical limit for your age with our guide to travel insurance medical coverage.
- Read the policy wording for the product you pick. The two are separate documents.
- Buy when you book: see when to buy travel insurance.
Premiums and promotions change often. Check MSIG’s page for the current price. This article is general information, not advice.
