Travel Pass is where travel meets perks, the first-of-its-kind travel insurance rewards experience that turns every trip into exclusive perks and member benefits.

You’re automatically enrolled into Travel Pass when you purchase your first Tiq Travel insurance policy and meet the minimum premium paid of S$100. After your policy is issued, you’ll be able to access your membership details, track your tier status and start earning toward higher tiers.

1. Bronze Tier Qualification

   To qualify as a Bronze Member, you must accumulate a minimum premium spend of S$100 on Tiq Travel Insurance within a twelve (12) month period.

2. Silver Tier Qualification

   To qualify as a Silver Member, you must accumulate a minimum premium spend of S$200 on Tiq Travel Insurance within a twelve (12) month period.

3. Gold Tier Qualification

   To qualify as a Gold Member, you must accumulate a minimum premium spend of S$500 on Tiq Travel Insurance within a twelve (12) month period.

4. Platinum Tier Qualification

   To qualify as a Platinum Member, you must accumulate a minimum premium spend of S$1,000 on Tiq Travel Insurance within a twelve (12) month period.

1. I am travelling to multiple countries, which country should I select?

Please proceed to select the countries that you will be travelling too. However, countries that are in the Sanctioned Countries list will not be covered in this policy.

For the full Sanctioned Countries list, please refer to our Policy Wording.

2. Can I buy travel insurance if I forgot to purchase prior to my departure?

No, you will not be covered if you have already physically left Singapore.

3. Can I purchase a Pre-Ex plan together with a non Pre-Ex plan?

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.

4. Can I buy add-ons for a child?

No, add-ons can only be purchased for adult travelers.

5. Why do you ask for my flight details during application?

In case of a flight delay, technology helps us track the status of your flight and pay your claims automatically into your eWallet. You can cash out the claims via PayNow conveniently.

6. Will my transit flights be covered in the plan?

Any 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.

7. What if I do not have my flight details while applying for travel insurance?

You can still input or change your flight details in your TiqConnect account after the purchase.

8. What modes of payment do you accept?

We accept payment via Credit Card, eNets and eWallet credits.

Your tier is valid for 12 months from the day you qualify for it. If you move up to a new tier during that time, a new tier validity period will begin, which means that your new tier will be valid for the next 12 months from the day you qualify for it. When your tier validity period ends, we’ll review your total accumulated premium spend from the past 12 months to determine your tier for the next cycle.

Yes. If your total premium spend meets the Platinum requirement of at least S$1,000 (as stated in the T&Cs), you can progress directly from Bronze to Platinum.

A tier upgrade happens immediately when the accumulated premium reaches the next tier qualification. Your new tier validity period will be valid for 12 months from the upgrade date. In the event if you don’t meet the required accumulated spend for the tier, your membership tier will remain unchanged until that tier’s expiry date.

Your tier is reviewed at the end of your 12-month tier validity period. If your total accumulated premium over the last 12 months does not meet the required spend for your current tier, your tier will be adjusted accordingly based on the spend you have accumulated. For a clearer view of how tier changes work, you may refer to the illustration below.

Your tier will be reviewed at the end of each 12-month period from the start date of your tier. If your total accumulated premium in the immediately preceding 12 months is less than S$100, your Travel Pass membership will expire, and you’ll no longer have access to tier perks and benefits.

Your accumulated premium will be updated in your Travel Pass provided that the relevant policy has not been cancelled or the premium paid refunded to you. The policy’s premium is credited only to the policyholder who owns the Travel Pass, even if the Tiq Travel Insurance policy is purchased on behalf of another person.

Premium amounts will still count toward accumulated premium for Tier qualification even if a claim has been made on the policy:

• Single Trip Policies: accumulated premium will be updated three (3) days after the policy end date.
• Annual Multi-Trip Policies: accumulated premium will be updated thirty (30) days after the policy start date.

If you cancel a policy/trip, the spend for the policy will not be included in the accumulated premium for Travel Pass membership in accordance with the Travel Pass terms and conditions. Any perks not used will still be valid for the duration of your current tier’s validity period.

Log into your Etiqa+ SG app and visit the Travel Pass section. You’ll be able to see your current tier, your points balance, how much more accumulated is needed to upgrade/maintain your tier as well as a list of your unlocked perks.