Is Etiqa Travel Insurance Good Value for Singapore Travellers in 2026?

Etiqa's Tiq Travel Insurance is good value for many Singapore travellers in 2026, mainly because, according to Etiqa, it pays travel delay from 3 hours instead of the usual 6 and pays flight delays automatically. It also offers Pre-Ex plans for stable pre-existing conditions. For most trips, the mid-tier Savvy plan gives the best balance, with $500,000 of overseas medical cover and $7,500 for medical expenses incurred in Singapore.

ShopBack Singapore is a free shopping rewards platform. You start a booking or order at a store like Agoda or Trip.com from its ShopBack page, pay as usual, and part of what you spend comes back to you as cash. Join ShopBack Singapore free before you book your next trip.

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The verdict

Etiqa is good value if flight delays, pre-existing conditions or medical costs back in Singapore matter to you; Entry is fine for a short, low-cost trip, and Savvy suits most travellers. The automatic delay payout, which Etiqa says is unique among Singapore insurers, removes the paperwork from the most common travel hiccup. Before you commit, compare the quote for your exact dates and destination, because Etiqa prices vary by trip and Etiqa runs promotions on Tiq from time to time.

Once insurance is sorted, save on your trip by booking flights, hotels and activities through ShopBack. Start from the ShopBack Agoda page or the ShopBack Trip.com page before you pay.

💡 Booking the hotel for this trip? Go through the ShopBack Agoda page before you pay.

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What does Etiqa travel insurance cover?

Etiqa's Tiq Travel Insurance has three tiers, Entry, Savvy and Luxury, each also sold as a Pre-Ex version for travellers with pre-existing conditions. You can buy it as a single trip or an annual multi-trip plan, for an individual, family, married couple or group. Here is how the main benefits compare for adults under 70, according to Etiqa's product page at the time of writing:

Benefit	Entry	Savvy	Luxury
Medical expenses overseas	$200,000	$500,000	$1,000,000
Medical expenses overseas (Pre-Ex)	$75,000	$125,000	$150,000
Medical expenses in Singapore	Not covered	$7,500	$10,000
Emergency medical evacuation (combined limit)	Up to $1,000,000	Up to $1,500,000	Up to $1,800,000
Trip cancellation and loss of deposit	$5,000	$5,000	$10,000
Travel delay	$300 ($50 per 3 hours)	$300 ($50 per 3 hours)	$500 ($50 per 3 hours)
Baggage delay	$200 ($100 per 6 hours)	$200 ($100 per 6 hours)	$200 ($100 per 6 hours)
Personal effects (including laptop)	$2,000	$2,000	$3,000
Personal liability	$250,000	$500,000	$750,000
Automatic extension of cover	Up to 7 days	Up to 14 days	Up to 14 days

Single trip plans also have optional covers you can choose: rental car excess, sports equipment, child education and pet hotel cover. Etiqa also lists a COVID-19 option for medical costs, cancellations and evacuations relating to COVID-19.

Which tier is the value pick? Savvy, for most people. Moving from Entry to Savvy more than doubles overseas medical cover and adds medical cover in Singapore, hospital visitation and compassionate visit benefits. Luxury mainly raises limits further, which matters most for long trips, destinations with high medical costs, or expensive bookings you might cancel.

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How does Etiqa's automatic flight delay payout work?

According to Etiqa, you enter your flight details when you buy, it tracks flights departing from and returning to Singapore, and it pays the delay benefit straight to your eWallet without a claim. You can then cash out by PayNow. At the time of writing, Etiqa says it is the only insurer in Singapore that automatically detects your delay and pays out this way.

A few details worth knowing:

• Travel delay pays $50 for every 3 hours of delay, up to $300 on Entry and Savvy and $500 on Luxury.
• If you do not have flight details when you buy, you can add or change them later in your TiqConnect account.
• Delays on transit flights are covered up to the limit, but Etiqa does not track them, so you submit those as a normal claim.

For a family that flies out of Changi a few times a year, this is the feature that most often turns into real money with no effort.

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Does Etiqa cover pre-existing medical conditions?

Yes, through its Pre-Ex Entry, Pre-Ex Savvy and Pre-Ex Luxury plans, for single trips of up to 30 days. According to Etiqa, conditions such as asthma, diabetes or heart conditions are covered as long as they are stable and under control.

The Pre-Ex cover applies to four sections: medical expenses overseas, overseas hospital income, emergency medical evacuation and repatriation. Claims not related to your condition can still be made under the other sections of the policy.

Etiqa sets eligibility rules too. In the 12 months before the trip, you should not have needed emergency department treatment more than once for the condition, or a hospital stay longer than three days in a row, or more than one hospital stay. You also need to be following your doctor's advice. Read the policy wording before you buy if this applies to you.

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Who can buy Etiqa travel insurance, and what else is covered?

According to Etiqa, Singaporeans, permanent residents and foreigners on a valid Work Pass, Student Pass, Dependant's Pass or Long-Term Visit Pass can buy Tiq Travel Insurance. Travellers aged 70 and above can be covered, with lower limits for personal accident, medical expenses and terrorism cover.

Other points from Etiqa's FAQ that come up often:

• Annual multi-trip: unlimited trips in the policy year, as long as each trip is under 90 consecutive days.
• Buying in time: the policy must start before you physically leave Singapore.
• Activities: leisure scuba diving to 30 metres with the right supervision or PADI certification, bungee jumping, skydiving, paragliding and non-competitive winter sports are covered, with conditions.
• Motorcycling: covered if you hold a licence recognised in that country and wear a helmet.
• Airbnb stays: covered, provided the stay is legal in that country.
• Cruise to nowhere: select Malaysia or Indonesia as your destination.
• Exclusions: professional high-risk and extreme sports, hazardous occupations, sanctioned countries and events that were already known when you bought the policy.

Other travel insurers Singapore travellers often compare include FWD, MSIG, Income and Singlife.

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Who is behind Etiqa, and how should you read the reviews?

Tiq Travel Insurance is sold by Etiqa Insurance Pte. Ltd., which Etiqa describes as a life and general insurer licensed and regulated by the Monetary Authority of Singapore. According to Etiqa, the company has served customers in Singapore since 1961, is a member of the Maybank Group, and the group is rated A by Fitch. Etiqa also says it was the first insurer in Singapore to offer automatic travel delay claims approval, back in 2017.

On review sites such as Trustpilot or Google, travel insurance reviews of any insurer tend to cluster around claims. When you read them, look for reviews about the type of claim you care about (medical, delay, baggage), check how recent they are, and compare what the reviewer expected with what the policy wording actually says. It also pays to read the policy wording before you travel, so you know what each section covers.

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Etiqa travel insurance refund policy

According to Etiqa, a single trip policy is fully refunded if you cancel before the policy starts, and there is no refund once the period of insurance has begun. If your plans change before departure, you can also change the start date by contacting customer care or through the TiqConnect portal, as long as the destination and trip length stay the same.

Annual multi-trip plans get a pro rata refund, provided the refund is at least $20 and you have not made a claim:

Months left on the policy	Refund of premium
11	60%
9 to 10	50%
7 to 8	40%
5 to 6	30%
3 to 4	20%
2	10%

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Etiqa customer service and claims

Etiqa's customer care hotline and WhatsApp number is +65 6887 8777, open Monday to Friday from 8.45am to 5.30pm, excluding public holidays. Overseas, policyholders can call the 24-hour Emergency Services Hotline at +65 6415 8694 and quote their policy number. Etiqa says this service covers medical provider referrals, hospital admission arrangements, lost passport and luggage help, and interpreter referrals, among others.

To make a claim, Etiqa says you log in to TiqConnect or the Etiqa+ SG app, submit the claim and supporting documents, and wait for a claims assessor to review it. You are told by SMS or email once it is approved.

If you ever have a dispute with any Singapore financial institution that you cannot resolve directly, FIDReC is the independent dispute resolution centre for consumers. According to FIDReC, filing a dispute is free of charge.

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How to pay less for the rest of your trip

Save on your trip by booking flights, hotels and activities through ShopBack. ShopBack lowers the effective price of flights, hotels and online orders after you pay. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

How it works with ShopBack Singapore:

1. Open the store's page on ShopBack, such as Agoda or Trip.com.
2. Click through and complete your booking in the same browser session.
3. Once the booking is confirmed, the cash lands in your ShopBack account.

For Trip.com, note that promo, coupon, or discount codes make your entire Trip.com order ineligible for Cashback, so decide which saving is bigger before you book.

Illustrative example only: if you booked a $600 hotel stay and the store's ShopBack page showed an illustrative rate of 5%, $30 would come back, so the stay would effectively cost you $570. Real rates vary by store and over time, so check the live rate on the store's ShopBack page.

What about Etiqa itself? At the time of writing, the ShopBack Etiqa page lists fixed amounts for certain Etiqa car, home, maid and cancer policies, and travel insurance is not one of the listed policies. Check that page before you buy any Etiqa policy to see what is currently included.

💡 Booking flights and hotels on Trip.com? Start from the ShopBack Trip.com page before you pay.

For a deeper look at the two big booking sites, see Is Trip.com cheaper than Agoda for Singapore travellers?

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When Etiqa may not be the best fit

• You need more than 30 days of Pre-Ex cover. Etiqa's Pre-Ex plans are for single trips of up to 30 days.
• You plan professional or extreme sports. Check the exclusions in the policy wording first.
• You already left Singapore. Etiqa cover must start before you depart.
• Your trip is long and expensive to cancel. Compare Luxury's $10,000 cancellation limit with your actual non-refundable costs.

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Frequently asked questions

Is Etiqa travel insurance good value for Singapore travellers?

For many Singapore travellers, yes. Etiqa's Tiq Travel Insurance pays travel delay from 3 hours rather than what Etiqa calls the usual 6, pays flight delays automatically to your eWallet for flights departing and returning to Singapore, and offers Pre-Ex plans for stable pre-existing conditions. The Savvy plan is the sweet spot for most trips, with $500,000 overseas medical cover and $7,500 for medical expenses incurred in Singapore, according to Etiqa.

What is the difference between Etiqa Entry, Savvy and Luxury?

According to Etiqa, overseas medical cover for adults under 70 is $200,000 on Entry, $500,000 on Savvy and $1,000,000 on Luxury. Entry does not cover medical expenses incurred in Singapore, while Savvy covers $7,500 and Luxury $10,000. Trip cancellation is $5,000 on Entry and Savvy and $10,000 on Luxury.

How does the Etiqa automatic flight delay payout work?

According to Etiqa, if you enter accurate flight details for flights departing from and returning to Singapore, it tracks the flight and pays the travel delay benefit automatically to your eWallet, which you can cash out by PayNow. Travel delay pays $50 for every 3 hours, up to $300 on Entry and Savvy and $500 on Luxury. Delays on transit flights need a normal claim.

Does Etiqa travel insurance cover pre-existing conditions?

Yes, through its Pre-Ex Entry, Pre-Ex Savvy and Pre-Ex Luxury plans. According to Etiqa, these cover pre-existing conditions that are stable and under control for overseas medical expenses, overseas hospital income, emergency medical evacuation and repatriation, on single trips of up to 30 days. Eligibility rules on recent hospital stays apply, so read the policy wording.

What is Etiqa's travel insurance refund policy?

According to Etiqa, a single trip policy gets a full premium refund if cancelled before the policy starts, and no refund after the period of insurance has begun. An annual multi-trip policy gets a pro rata refund, from 60% with 11 months left down to 10% with 2 months left, as long as the refund is at least $20 and no claim has been made.

How do I contact Etiqa customer service for travel insurance?

Etiqa's customer care hotline and WhatsApp number is +65 6887 8777, open Monday to Friday from 8.45am to 5.30pm, excluding public holidays, according to Etiqa. For emergencies overseas, policyholders call the 24-hour Emergency Services Hotline at +65 6415 8694 and quote their policy number.

How do I make an Etiqa travel insurance claim?

According to Etiqa, you submit claims and supporting documents through your TiqConnect account or the Etiqa+ SG app, a claims assessor reviews them, and you are notified by SMS or email once the claim is approved. You can also call the customer care hotline at 6887 8777.

Who is behind Etiqa travel insurance in Singapore?

Tiq Travel Insurance is sold by Etiqa Insurance Pte. Ltd., which Etiqa describes as a life and general insurer licensed and regulated by the Monetary Authority of Singapore. Etiqa says it has served customers in Singapore since 1961, is a member of the Maybank Group, and that the group is rated A by Fitch.

Can I buy Etiqa travel insurance after I leave Singapore?

No. According to Etiqa, you can buy online at any time, but the policy must be in effect before you physically leave Singapore, and you will not be covered if you buy after departing. Your cover should run until you are physically back in Singapore.

Can I pay less for my trip with ShopBack?

Yes. Save on your trip by booking flights, hotels and activities through ShopBack: open the store's page on ShopBack Singapore, such as Agoda or Trip.com, and book in the same browser session. At the time of writing, travel insurance is not one of the Etiqa policies listed on the ShopBack Etiqa page, so check that page before you buy any Etiqa policy.

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Key takeaways

• Etiqa's Tiq Travel Insurance is good value for many Singapore travellers, mainly for its 3-hour delay cover and automatic payout.
• Savvy is the value pick: $500,000 overseas medical and $7,500 medical in Singapore, according to Etiqa.
• Pre-Ex plans cover stable pre-existing conditions on single trips up to 30 days.
• Single trip policies are fully refundable only before cover starts.
• Customer care: +65 6887 8777, Monday to Friday; emergencies overseas: +65 6415 8694.
• Save on the rest of your trip: go through the ShopBack Agoda page before you book your hotel.

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Disclaimer

The views and recommendations expressed in this article are those of the author. Insurance benefits, limits, premiums, promotions and terms are set by the insurer and can change. Read the policy wording and check details directly with Etiqa before buying. This article is for general informational purposes only and should not be considered professional financial or insurance advice.

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