Terms & Conditions:
An Annual Multi-Trip plan provides coverage for an unlimited number of overseas trip made within the policy year, provided that each trip is less than 90 consecutive days.
This is available as an individual Annual Multi-Trip plan and a family Annual Multi-Trip plan. We do not cover pre-existing medical conditions for annual multi-trip plans.
The insured person(s) must meet all the following conditions to be eligible for Tiq Travel Insurance Pre-Ex cover:
(a) The insured person(s) is following their treating doctor’s advice for all their pre-existing medical condition. This includes not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.
(b) The insured person(s) does not have any medical condition or symptom which they have not consulted a doctor for or for which they are waiting for medical test, medical result, diagnosis, treatment or surgery.
(c) In the last 12 months, the insured person(s) does not have any pre-existing medical condition which has required them to:
Yes, you can change the commencement date only if you notify us prior to the commencement of your trip or effective date of coverage, whichever is sooner. Please contact our friendly Customer Care Consultants for this service.
Yes you can mix and match the plans for Married Couple and Group Plans for single trips only, provided the trip does not exceed 30 days.
Unfortunately we are unable to cover everything and there are exclusions such as hazardous occupations or those who participate in professional high-risk sports and extreme sports.
We also have countries exclusions.
Please refer to the Policy Wording for the full exclusions list.
You should always get coverage for your travels up to the time/date that you are physically back in Singapore
You might have missed it, but we allow multiple country selection so go ahead and choose all the countries you will be visiting (we won’t lie, we’re so envious)!
Do watch out for the country exclusions in our Policy Wording, though.
A single trip family plan comprises a maximum of up to six (6) adults traveling with up to eight (8) children. The maximum number of insured person(s) under one family plan is 10 persons. The adults need not be related but the child(ren) must be the legal child(ren) or grandchild to either of the adult insured person(s). All must depart and return to Singapore together at the same time.
For annual multi-trip plan, the insured person(s) will comprise you, your legal spouse and any number of your legal Children. The child(ren) need not be accompanied by either of the parent for any trips made during the period of insurance.
Family plan is only available under non Pre-Ex plans.
Non-competitive winter sports refer to recreational activities that are played on snow or ice, not as part of a competition and not performed in a professional capacity.
No, we do not cover persons going overseas to receive medical treatment.
For single trip policy, we will grant a full refund of the premium prior to the commencement of the Policy. There will be no refund for cancellation after the period of insurance has commenced.
For annual multi-trip policy, we will grant a pro rata refund of the premium paid corresponding to the unexpired Period of Insurance as long as the amount to be refunded is at least $20 and no claim has been submitted prior to the cancellation of this Policy:
|Months remaining on Your Policy||11||10-9||8-7||6-5||4-3||2|
|Refund of premium payable (%)||60||50||40||30||20||10|
Yes, we have Pre-Ex plans that take care of those with pre-existing medical conditions!
Pre-existing conditions are only covered for single trips with a duration of less then 30 days under the following sections:
The respective sub-limits would apply. Please refer to the Policy Wording for more details.
Yes, provided the Airbnb booked is legal in the country of travel.
A child is defined as someone who is unmarried and unemployed and is at least 3 months old and below 18 years old or up to 25 years of age if studying full-time in a recognised tertiary institution.
No, add-ons can only be purchased for adult travelers.
*Please note that this insurance will only cover for a round trip commencing and returning to Singapore within the effective coverage period.
Yes! Group plans are meant to accommodate travellers who are on the same travel itinerary but not necessarily related to one another by blood relations.
As a policyholder, you are entitled to the following travel assistance services provided by Allianz Global Assistance . To access the service, simply dial the Emergency Services Hotline at +65 6327 2215 and quote your Policy Number. Consultation is free. Other third-party costs and expenses are covered under this Policy subject to the terms and conditions provided in the Policy Wording.
Our Travel Information and Emergency Assistance Services comprise the following:
The following leisure activities are covered:
For more information, please refer to the Policy Wording.
A Married Couple plan can be bought by two adult individuals who are legally married. The insured persons must travel together. Married Couple plan is only available under Single Return Trip Policy for Pre-Ex Plans and Non Pre-Ex Plans.
No, you do not need to travel together under the annual family plan.
Please contact our friendly Customer Care Consultants for further advice. For your convenience, you may chat with us via Whatsapp at +65 8677 8780. Our customer care operation hours are:
Mondays – Fridays
8:45am – 5:30pm
(Excluding Public Holidays)
Absolutely! Delays on transit flights are covered as well, up to the policy limit. The only difference is that we do not help to track these flights and claims have to be submitted in case of a transit flight delay.
For individual travel insurance, policyholder must be at least 18 years of age. Under a family annual plan, the child can travel separately on his/her own. In case of exceptional circumstances, please write in to our customer service team to request a purchase.
Yes, we cover up to 80 years of age with reduced travel insurance benefits for Personal Accident, Medical Expenses Incurred Overseas and in Singapore, and Act of Terrorism Cover.
For more information, please refer to the Policy Wording.
Unfortunately we will not be able to cover your travels if you have already physically left Singapore.
If you have a TiqConnect account with Etiqa, please log into TiqConnect to submit your claims online. Otherwise, you may register for an account here. Access can be created immediately. You may also contact our Customer Care at 6887 8777 (calls and WhatsApp) or email them at email@example.com for further assistance.
A “transit traveller” is someone who does not stay in Singapore (non-resident). A transit traveller will be eligible for coverage under this category if the following conditions are met:
We accept payment via Credit Card (MasterCard & Visa), eNets and eWallet credits. We apologise that AMEX cards are currently not accepted.
A travel insurance policy issued to you in respect of the insured persons named in the schedule who are travelling as a group, with a maximum of 10 insured persons. If you have more than 10 insured persons, we will recommend for you to apply for 2 (or more) Group Plans (as required) (E.g. 18 insured persons will require 2 Group Plans). The insured persons under the Group Plan must travel together on a trip.
Group plan is only available under Single Return Trip Policy for Pre-Ex Plans and Non Pre-Ex Plans.
Both travel insurance products are underwritten by Etiqa Insurance and are guaranteed the same great claims experience that we are known for. ePROTECT travel is a one-size fits all insurance solution that covers all the essentials to protect your trip.
On the other hand, Tiq Travel Insurance is an enhanced version that provides flexibility and options for the traveller who prefers to choose coverage according to his travel needs.
New features with Tiq Travel Insurance:
For full coverage details, please refer to the Policy Wording.
You can purchase our travel insurance online at any time, 24/7. However, please note that the policy should be effective before you physically depart from Singapore.
If you have a TiqConnect account with Etiqa, please log onto TiqConnect to submit your claims online. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at +65 6887 8777 or email them at firstname.lastname@example.org for further assistance.