How to Claim MSIG Travel Insurance (2024 Guide)

Unlock the essential steps to successfully navigate the claims process with MSIG Travel Insurance, so you can focus on enjoying your journey.

Travelling is one of life's most enriching experiences but also comes with uncertainties. Having the right travel insurance can provide peace of mind, whether it's a missed flight, lost luggage, or unexpected medical expenses. However, knowing how to claim your insurance effectively when things go awry can be daunting.

In this guide, we'll walk you through the process of claiming from MSIG Travel Insurance, ensuring you have all the information you need for a hassle-free experience.

Table of Contents

• How to file a MSIG travel insurance claim
• Understanding coverage, limits, and conditions of MSIG travel insurance
• How long does it take to process your claim?
• How to check your MSIG travel insurance claim status
• Read real user reviews on MSIG travel insurance from Seedly
• Frequently Asked Questions

How to file a MSIG travel insurance claim

To claim MSIG Travel Insurance, follow these steps:

Notify MSIG

Report your claim as soon as possible, ideally within 30 days of the incident. You can submit a MSIG travel claim online or call the MSIG Assist 24-hour hotline at +65 6323 8288 for emergencies.

When you need assistance, it's important to provide the policyholder's name and ID/FIN number or policy number accurately.

Gather your information

Collect all necessary documentation, including:

• A police report for theft or loss (within 24 hours)
• A Property Loss/Damage Irregularity Report if the loss occurred with an airline or transport operator
• Photographs of damaged items
• Details of any third-party involvement (if applicable).

Submit your claim

Complete the online claim form on the MSIG website, including your policy number and uploading all required documents. You can submit your claims online for faster processing and opt to receive your payment via FAST or PayNow.

Wait for processing

MSIG aims to settle most claims within two to three weeks after receiving all the necessary information and documents. During peak travel periods, processing may take longer than expected.

Understanding coverage, limits, and conditions of MSIG travel insurance

MSIG Travel Insurance offers over 50 benefits, including protection for travel cancellations, flight delays, stolen documents, and overseas medical expenses due to accidents or illnesses. Follow-up treatment after your trip is also covered.  

• COVID-19 travel insurance coverage is automatic for Single Trips and Annual Plans.
• Choose from single or annual travel insurance plans for individual or family coverage  
• MSIG TravelEasy does not cover pre-existing medical conditions, but special coverage is available under the TravelEasy Pre-Ex policy for single trips only.

MSIG travel insurance conditions

To ensure this insurance is valid, you must meet all the following conditions:

• The round trip must start and finish in Singapore
• At the time of booking your trip or securing this insurance, neither you nor any other insured individual should be aware of any circumstances that may lead to a claim
• When submitting your application for this insurance, none of the intended insured individuals should have already departed Singapore on a trip that this insurance is meant to cover. If an insured person leaves Singapore before the insurance period begins, they will not be covered for the entire trip
• A parent or adult guardian must accompany any insured child under the age of 12 during the journey
• If an insured person has previously been denied coverage or had special terms imposed by any travel insurance provider, this must be disclosed at the time of application. Failure to do so will result in no coverage for that person
• All insured individuals must have Singapore as their country of residence
• Insured individuals must not be travelling against a doctor's advice or seeking medical treatment
• For TravelEasy®, insured persons must be in good health and free from physical defects
• To qualify for coverage under TravelEasy® Pre-Existing plans, the insured person must fulfil all conditions outlined in section 52 - Pre-Existing Critical Care

MSIG travel insurance exclusions

While MSIG's travel insurance page gives a clear breakdown of the exclusions by category, here are some crucial ones:

• Pre-existing medical conditions unless you have purchased the TravelEasy Pre-Ex add-on to cover stable and controlled pre-existing conditions
• Losses arising from illegal activities, self-inflicted injuries, or participation in high-risk activities unless specifically covered
• Costs that are recoverable from any other source, including refunds, vouchers, credits, or rebooking of the trip as compensation
• Terminal illness regardless of whether the diagnosis was received before or after this insurance was purchased

Always refer to the specific policy document for a comprehensive list of exclusions and limitations. Coverage may vary based on the plan selected.

How long does it take to process your claim?

Generally, the processing time for your MSIG travel insurance claim is within two to three weeks from the date MSIG receives all the necessary supporting information and documents. After you notify MSIG of your claim, you will receive an acknowledgment letter.

A claims officer will then review your submission and may reach out to you for any additional documentation if needed. The timeline begins once MSIG receives all the required materials, so it's important to ensure that your submission is complete to avoid any delays.

How to check your MSIG travel insurance claim status

To check the status of your MSIG travel insurance claim, you can contact the MSIG Claims Hotline at +65 6827 7660 during their operating hours from 8.45 am to 5.30 pm (Monday to Friday, excluding public holidays). Be prepared to provide your policy number and relevant details about your claim.

You can also log into the MSIG claims portal for updates if you have submitted your claim online. However, do take note that MSIG may take longer than usual to process claims during peak travel periods.

Read real user reviews on MSIG travel insurance from Seedly

Find out what MSIG customers are saying about their travel insurance experience.

"Very very easy to purchase and very fast processing time got my travel ins purchased within 5mins. very simple to understand."

Vincent Tan

"I purchase travel insurance from this company and overall the claim was quite easy. After comparing several travel plan, this company offer the cheapest and benefit are just okay for me. Perhaps, different people will have different needs."

Stella

Frequently Asked Questions

Can I file an MSIG travel insurance claim online?

Yes, you can submit your MSIG claim online via MSIG's website or using their online form.

Is it easy to claim MSIG travel insurance?

Yes, claiming MSIG travel insurance is generally considered straightforward, as the process is designed to be user-friendly.

Will MSIG travel insurance cover medical?

Yes, coverage for medical while travelling overseas includes overseas medical expenses, emergency dental expenses, overseas hospitalisation daily benefit, overseas ICU hospitalisation daily benefit (Elite & Premier plans) and maternity medical expenses overseas (Elite & Premier plans). Coverage limits may differ by plan type.

Does MSIG travel insurance cover medical expenses after the trip?

Yes, MSIG covers treatment within 72 hours of return to Singapore for up to S$210,000 as well as hospitalisation daily benefits in Singapore. Coverage limits may vary by plan type.

What are the best travel insurance companies?

The best travel insurance companies in Singapore include MSIG, FWD, and Singlife.

What is a covered reason for trip cancellation?

Reasons covered under travel cancellation include:

• Death, severe injury, or critical illness affecting the insured individual, a family member, or a travel companion
• Civil unrest, strikes, industrial actions, natural disasters at the destination, airport closures, epidemics, or pandemics

What is the cancellation policy for MSIG travel insurance?

When considering travel insurance, it's essential to understand the cancellation policy to ensure you make informed decisions. Below is the cancellation policy for MSIG Travel Insurance, outlining the terms for both annual plans and single return trip policies.

Annual plan

You can cancel your policy at any time. Refund percentages based on how long the policy has been active:

• Up to 2 months: 60% refund
• Up to 3 months: 50% refund
• Up to 4 months: 40% refund
• Up to 5 months: 30% refund
• Up to 6 months: 20% refund
• Over 6 months: No refund

A minimum of $50 will be retained in all cases.

Single return trip policy

You can cancel before the insurance period starts by providing written notice. You will receive a premium refund minus a $50 retention fee.

Pre-existing medical conditions

If your medical condition worsens within 30 days before the trip, or if you contract a terminal illness, you can cancel the policy for a full refund.

Note: No refunds are available once the insurance period has started or if a claim has been made.

How do I claim trip cancellation insurance from MSIG?

You'll need to first inform MSIG about the insured event at the earliest convenience or within 30 days via an online claim form. Collect the relevant information and documents at the same time and submit them quickly for quicker processing.

What type of cancellation does MSIG travel insurance cover?

MSIG covers the insolvency of your licensed travel operator, travel cancellation, travel postponement, and travel disruption, as well as overbooked flight coverage and missed travel connection coverage. Coverage sums may vary by plan type.

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