Travel Takaful
Built on care and shared responsibility, for every journey. Guided by Takaful principles, Travel Takaful offers dependable protection designed for travellers who want flexible and comprehensive coverage for a variety of travel purposes including Umrah journeys, leisure or business trips.
Travel Advisory
Please note that travel insurance policies purchased on or after 28 February 2026, 2.15pm do not cover any losses related to the United States-Israel-Iran conflict, as it is considered a known event. This applies to travel to Israel, Iraq, Iran, Jordan, Lebanon, Egypt, Bahrain, Kuwait, Oman, Palestine, Qatar, Saudi Arabia, Syria, United Arab Emirates and Yemen.
We encourage travellers to stay informed and review their travel plans. For details on coverage, please refer to your policy wording – claims are subject to policy terms and conditions.
Please note that travel insurance policies purchased on or after 7 October 2023 do not cover any losses related to the Israel-Hamas conflict, as it is considered a known event. This applies to travel to Israel and the Palestinian Territories.
We encourage travellers to stay updated on the situation and review their travel plans accordingly. For more details on your coverage, please check your policy wording and note that all claims are subjected to policy terms and conditions.
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Where are you going?
Where are you going?
Overseas Emergency Assistance Hotline:
Call +65 6415 8694 from anywhere in the world
Go further knowing you are well covered
Shariah-compliant travel protection, so you can focus on your journey with added peace of mind. Applicable for leisure travel, business trips and Umrah journeys.
Overseas medical expenses coverage up to S$2.5 million, helping you stay protected when medical needs arise while travelling.
Hassle-free automatic payout for flight delays starting from 3 hours, even without submitting a claim.
24-hour worldwide emergency travel assistance, providing support and guidance whenever and wherever you need it.
Senior-friendly travel insurance with flexibility to double your benefit limits through our optional Senior Protector add-on for your golden adventures.
Enhance protection with the optional Pre-existing Medical Conditions add-on, extending your coverage beyond overseas medical expenses to include losses arising from travel inconveniences.
Travel with purpose.
In the spirit of Takaful, Etiqa contributes 0.1% of premiums from all Travel Takaful plans to Community Chest, at no additional cost and without affecting your coverage or benefits.
Note
Please note that Travel Takaful is a Takaful product. It is a Shariah-compliant insurance product focus on general travel needs designed for leisure travel, business trips and Umrah purposes. To ensure the policy you choose meets your requirements, please review the specific terms, conditions, and exclusions in the Policy Wording before purchasing.
– Certified Shariah-compliant by Financial Shariah Advisory and Consultancy (FSAC) of Pergas Singapore
– With Takaful protection based on mutual assistance amongst policyholders
– Contract based on Takaful principles
What are Pre-existing Medical Conditions?
A pre-existing medical condition refers to any illness or injury that you had before the start of your trip. This includes conditions you were aware of, or for which you received medical advice, treatment, a diagnosis, or prescription medication within the 12 months prior to your trip .
Many travel insurance policies exclude coverage related to pre-existing medical conditions while you are overseas.
This is where added protection makes a difference. With optional coverage, your medical history does not have to hold you back, so you can enjoy your travel plans with greater peace of mind.
Many travel insurance policies exclude coverage related to pre-existing medical conditions while you are overseas.
This is where added protection makes a difference. With optional coverage, your medical history does not have to hold you back, so you can enjoy your travel plans with greater peace of mind.
How we support your journey
Farah, 34, lives with epilepsy and is preparing for her Umrah journey. To travel with greater confidence, she purchases Travel Takaful and includes the optional add-on for pre-existing medical conditions.
What happened:
Two days before her return flight, Farah experiences a medical episode and is taken by ambulance to a hospital for immediate treatment. She is hospitalised for three days, which requires her to extend her stay in Makkah and rebook her return flight.
How Travel Takaful helped:
With the add-on coverage in place, Travel Takaful helps cover the unexpected expenses incurred during her trip.
Coverage
| Key benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | |||
| Emergency Medical Evacuation & Repatriation | 1,000,000 | Unlimited | Unlimited |
| Overseas Medical Expenses | 500,000 | 1,500,000 | 2,500,000 |
| Post Trip Medical Expenses | 10,000 (excess 50) | 30,000 | 50,000 |
| Trip Cancellation and Loss of Deposit | 10,000 | 15,000 | 20,000 |
| Travel Delay (starting from 3 hours) | 1,000 | 2,000 | 3,000 |
| Pre-existing Medical Conditions | Optional Add on | Optional Add on | Optional Add on |
| Senior Protector (2x benefit limit for traveller above 70 years old) | Optional Add on | Optional Add on | Optional Add on |
| Sections | Personal Accident Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 1 | Personal Accident (Accidental Death or Permanent Disablement) | |||
| Adult below 70 years old | 200,000 | 350,000 | 500,000 | |
| Adult 70 years old and above | 50,000 | 100,000 | 150,000 | |
| Child | 75,000 | 125,000 | 200,000 | |
| Maximum Per Family Plan | 500,000 | 1,000,000 | 1,500,000 | |
| 2 | Child Education Grant (Maximum $5,000 per Child) | NA | 20,000 | 20,000 |
| Sections | Overseas Medical Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 3 | Medical Expenses Incurred Overseas | |||
| Adult below 70 years old | 500,000 | 1,500,000 | 2,500,000 | |
| Adult 70 years old and above | 75,000 | 150,000 | 250,000 | |
| Child | 200,000 | 600,000 | 1,000,000 | |
| Maximum Per Family Plan | 1,250,000 | 3,750,000 | 6,250,000 | |
| 4 | Hospital Visit | 5,000 | 10,000 | 15,000 |
| 5 | Compassionate Visit | 3,000 | 5,000 | 10,000 |
| 6 | Child(ren) Guardian | 3,000 | 5,000 | 10,000 |
| 7 | Hotel Extension | 500 | 750 | 1,000 |
| 8 | Overseas Hospital Income ($200 every 24 hours) | 10,000 | 30,000 | 50,000 |
| 9 | Mobility Aid Reimbursement | NA | 1,000 | 2,000 |
| 10 | Women’s Benefits (Coverage after 12 Weeks) | 2,000 | 5,000 | 8,000 |
| Sections | Local Medical Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 11 | Post-Trip Medical Expenses Incurred in Singapore | |||
| Adult below 70 years old | 10,000 (excess of 50) | 30,000 | 50,000 | |
| Adult 70 years old and above | 1,000 | 3,000 | 5,000 | |
| Child | 10,000 | 10,000 | 10,000 | |
| 12 | Hospital Income in Singapore ($100 every 24 hours) | 3,000 | 3,000 | 3,000 |
| 13 | Local Quarantine Allowance ($50 per Day) | NA | 300 | 300 |
| Sections | Travel Assistance Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 14 | Emergency Medical Evacuation & Repatriation | |||
| Adult below 70 years old | 1,000,000 | Unlimited | Unlimited | |
| Adult 70 years old and above | 1,000,000 | Unlimited | Unlimited | |
| Child | 1,000,000 | Unlimited | Unlimited | |
| 15 | Emergency Telephone Charges | 100 | 250 | 300 |
| Sections | Liability Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 16 | Personal Liability Abroad | 750,000 | 1,000,000 | 1,500,000 |
| Sections | Travel Inconvenience Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 17 | Trip Cancellation and Loss of Deposit (Up to 30 Days before | 10,000 | 15,000 | 20,000 |
| Maximum Per Family Plan | 30,000 | 45,000 | 60,000 | |
| 18 | Travel Curtailment (Including Hijacking) | 5,000 | 10,000 | 15,000 |
| Maximum Per Family Plan | 15,000 | 30,000 | 45,000 | |
| 19 | Travel Postponement (Up to 30 Days before Departure) | 500 | 1,000 | 2,000 |
| Maximum Per Family Plan | 1,500 | 3,000 | 6,000 | |
| 20 | Trip Disruption | 1,000 | 2,000 | 3,000 |
| Maximum Per Family Plan | 3,000 | 6,000 | 9,000 | |
| 21 | Replacement Traveller (Up to 30 Days before Departure) | NA | 500 | 1,000 |
| 22 | Travel Delay ($50 every 3 hours) | 1,000 | 2,000 | 3,000 |
| Maximum Per Family Plan | 2,000 | 4,000 | 6,000 | |
| 23 | A) Travel Misconnection & B) Flight Diversion ($100 every 6 hours) | 500 | 750 | 1,000 |
| Maximum Per Family Plan | 1,000 | 1,500 | 2,000 | |
| 24 | Personal Effects Including Laptop Computer | |||
| Individual | 3,000 | 5,000 | 10,000 | |
| Maximum Per Family Plan | 6,000 | 10,000 | 20,000 | |
| 25 | Jewellery (Due to Robbery, Theft or Burglary) | NA | 500 | 1,000 |
| 26 | Baggage Delay | 500 | 1,500 | 2,000 |
| Delay while overseas every 6 consecutive hours | 100 | 150 | 200 | |
| Delay when arriving in Singapore for the first 6 consecutive hours only | 100 | 150 | 200 | |
| Maximum Per Family Plan | 1,000 | 3,000 | 4,000 | |
| 27 | Loss of Travel Documents (Including Money) | 1,000 | 5,000 | 8,000 |
| Limit per Individual for Money | 100 | 200 | 300 | |
| 28 | Fraudulent Credit Card Usage | 1,000 | 2,000 | 3,000 |
| 29 | Hijacking ($250 every 24 hours) | 3,000 | 5,000 | 10,000 |
| 30 | Kidnapping or Hostage ($250 every 24 hours) | 3,000 | 5,000 | 10,000 |
| 31 | Home Contents Cover | NA | 5,000 | 5,000 |
| 32 | Rental Vehicle Excess | 2,000 | 3,000 | 5,000 |
| 33 | Rental Vehicle Return | NA | 600 | 1,000 |
| 34 | Pet Care ($50 every 6 hours) | NA | 500 | 750 |
| 35 | Golf Cover | |||
| A) Golf Hole-In-One | NA | 250 | 250 | |
| B) Golf Equipment | NA | 1,000 | 1,500 | |
| C) Unused Green Fee | NA | 250 | 250 | |
| 36 | Loss of Frequent Flyer Miles | 100 | 500 | 750 |
| 37 | Sports Equipment Protector | NA | 1,000 | 2,000 |
| 38 | Loss of Deposit due to Insolvency of Travel Agent | 1,000 | 3,000 | 5,000 |
| Maximum Per Family Plan | 3,000 | 9,000 | 15,000 | |
| Sections | Other Benefits | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 39 | Terrorism Extension | NA | Included | Included |
| 40 | Free Automatic Extension (Up to 30 days) | Included | Included | Included |
| Sections | Pre-Existing Medical Conditions | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 41 | Trip Cancellation and Loss of Deposit (50% co-payment) | 10,000 | 15,000 | 20,000 |
| 42 | Travel Curtailment (50% co-payment) | 5,000 | 10,000 | 15,000 |
| 43 | Travel Postponement (50% co-payment) | 500 | 1,000 | 2,000 |
| 44 | Trip Disruption (50% co-payment) | 1,000 | 2,000 | 3,000 |
| 45 | Medical Expenses Incurred Overseas (combined limit for Section 45 and 46) | |||
| Adult below 70 years old | 300,000 | 400,000 | 500,000 | |
| Adult 70 years old and above | 75,000 | 100,000 | 150,000 | |
| Child | 120,000 | 160,000 | 200,000 | |
| 46 | Emergency Medical Evacuation & Repatriation (combined limit for Section 45 and 46) | |||
| Adult below 70 years old | 300,000 | 400,000 | 500,000 | |
| Adult 70 years old and above | 75,000 | 100,000 | 150,000 | |
| Child | 120,000 | 160,000 | 200,000 | |
| Sections | Senior Protector | Classic | Deluxe | Suite |
| Sum Insured (S$) | ||||
| 47 | Personal Accident (Accidental Death and Permanent Disablement) | 100,000 | 200,000 | 300,000 |
| 48 | Medical Expenses Incurred Overseas | 150,000 | 300,000 | 500,000 |
| 49 | Post-Trip Medical Expenses Incurred in Singapore | 2,000 | 6,000 | 10,000 |
| 50 | Extension for Pre-existing Medical Conditions (this benefit only applies if Insured Person has purchased the Pre-existing Medical Conditions add-on) | |||
| 50(A) | Medical Expenses Incurred Overseas (due to pre-existing medical conditions) | Combined Limit 150,000 | Combined Limit 200,000 | Combined Limit 300,000 |
| 50(B) | Emergency Medical Evacuation & Repatriation (due to pre-existing medical conditions) | |||
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Frequently Asked Questions (FAQs)
It refers to a set of principles under Islamic law. Takaful product(s) and its services comply with the Shariah principles. We manage and/or administer Takaful product(s) that are free from usury(riba) and non-permissible activities such as alcohol, pork, entertainment and tobacco industries.
Yes. It is Shariah-certified by an independent Shariah advisory body – Financial Shariah Advisory and Consultancy of Singapore Islamic Scholars & Religious Teachers Association (Pergas). Travel Takaful is Shariah-compliant under the concept of Wakalah (agency), Tabarru’ (donation) and Takaful (mutual guarantee).
It is an end-to-end Shariah-compliant plan where policyholder contributes monies into a segregated Takaful fund until the policy expires or upon payment of claims. The monies will be allocated and restricted to Shariah-compliant investments only. In addition, the Takaful principles are embedded in the key product document.
This plan is also subjected to review and approval by our Shariah advisory body who ensures that the product continuously complies with the relevant Shariah principles.
Travel Takaful is open for all. One does not have to be a Muslim to sign up for a Takaful plan and its coverage. Every customer will be able to enjoy all benefits and coverage under Travel Takaful.
In addition, this plan also underscores the elements of ethical and values-based principles.
- Wakalah (agency): Policyholders agree to appoint Etiqa to administer the premiums, including the investment of the General Takaful fund and the disbursement of benefits to the entitled policyholders.
- Tabarru’ (donation): Policyholders agree that the remaining portion of the premiums will be allocated as donation for the purposes of mutual support and cooperation.
Note:
To meet the Shariah requirements, policyholders’ acknowledgement on
the following needs to be made upfront:
- On the appointment of Etiqa as an administrator under Wakalah principle;
- On the concept of donation under Tabarru’ principle; and
- On the waiver of excess of Tabarru’ (i.e. underwriting profits) if any and give to Etiqa where it deems fit in administering and/or investing the overall General Takaful fund. For transparency purposes, this utilisation will be subjected to Shariah advisory body review and approval.
In the spirit of Takaful, Etiqa donates 0.1% of the premiums collected from Travel Takaful to Community Chest – at no additional cost to policyholders. This contribution is made by us without affecting policyholders’ premiums or plan benefits.
Both travel insurance provides comparable coverage and benefits. The key difference is that Travel Takaful is Shariah-Certified and structured based on Takaful principles, while Travel Infinite follows a conventional insurance structure. The distinction is structural rather than benefit-based.
The policyholder is the person who buys and manages the policy. You may purchase Travel Takaful as a policyholder if:
- you are at least 18 years old on the effective date of the policy, and
- a Singapore Resident (Singapore Citizen or Permanent Resident), or a foreigner holding a valid Work Pass, Student Pass, Dependant’s Pass or Long-term Visit Pass.
The insured person is the traveller who is covered and can claim benefits under the policy. The insured person must meet the following criteria:
- a Singapore Resident, or
- a foreigner holding a valid Work Pass, Student Pass, Dependant’s Pass or Long-term Visit Pass; or
- a transit traveller with a valid passport number; and
- not holding citizenship or residing in sanctioned countries
You may purchase Travel Takaful through our partnering Travel Agents. Click here to view the list of our representative partners. Alternatively, you can get an instant quote on our website.
Travel Takaful provides coverage to insured persons aged from 3 months to 100 years (inclusive).
Yes you may. However, please note that for insured person 70 years old and above, lower benefit limit applies to Personal Accident Benefits (Accidental Death or Permanent Disablement), Medical Expenses Incurred Overseas and Post-Trip Medical Expenses Incurred in Singapore. You may consider our optional add-on, Senior Protector to increase the benefit limit.
Please refer to our Policy Wording Section 47, 48, 49 and 50 for terms and conditions related to Senior Protector.
No. You must purchase the policy before departing Singapore. If the purchase is made after your departure from Singapore, no coverage is extended, regardless of whether the policy has been issued.
You should always get coverage for your trip up to the date that you physically arrive back in Singapore.
You can purchase Travel Takaful in advance up to 365 days before your trip start date.
We accept PayNow, credit card and debit card for payment.
Insurance premiums are generally excluded from earning credit card rewards points. However, as a Maybank credit cardmember, you can now earn up to 3x TREATS Points for every dollar spent on Etiqa Insurance premium payment. This privilege is only available to cardmembers of the following Maybank credit cards:
- Maybank XL Rewards Card
- Maybank Visa Infinite Card
- Maybank Horizon Visa Signature Card
For full details on credit card promotions, rewards and sign-up bonuses, please visit Maybank’s official website.
Upon successful premium payment, we will send you a confirmation via SMS and email. You may access your policy schedule via Etiqa+ SG App or log in to our Customer Portal via website using SingPass Mobile.
Please review your policy details and familiarise yourself with the coverage for your journey.
Base plan:
Trip Type: Single Trip or Annual Multi-Trip (recommended for frequent travellers)
Policy Type: Individual, Married Couple, Family or Group
Plan Type: Classic, Deluxe, Suite
Optional add-ons:
(a) Pre-existing Medical Conditions – available to Single Trip up to 30 days duration (Individual, Married Couple or Group policy)
(b) Senior Protector – available only to insured person 70 years old and above.
No. Travel Takaful does not cover one-way trips. You must depart from Singapore and return to Singapore for coverage to apply.
An Annual Multi-Trip Policy provides coverage for an unlimited number of overseas trips made within the policy year, provided that each trip is less than 90 consecutive days. If you are a frequent traveller, you may consider Annual Multi-Trip policy which provides uninterrupted, year-round protection.
Please note that Annual Multi-Trip policy is available for Individual, Married Couple and Family Plan.
A Married Couple Plan can be bought by two insured persons who are legally married.
A Single Trip Married Couple Plan provides coverage for two insured persons who are travelling together on a same trip.
The insured persons under the Annual Multi-Trip Married Couple Plan are not required to travel together on any trip.
A Group Plan consists of a maximum of 10 individuals who are travelling as a group. The 10 individuals must travel together on the same trip.
Group Plan is only available under the Single Trip Policy.
Family plan covers up to 10 family members with minimum 1 adult and 1 child. Family members refers to you, your spouse, parents, parents-in-laws, children, siblings, grandparents, grandchildren.
For Single Trip Family Plan, all insured persons must travel together on the same trip.
For Annual Multi-Trip Family Plan, all insured persons do not necessarily need to travel together. The children need not be accompanied by either of the parent for any trips made during the policy period.
A “child” is defined as someone who is unmarried and unemployed, 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.
Coverage depends on the type of plan selected and the duration of the trip:
- Single Trip policy – Covers trip duration not exceeding 182 consecutive days from the trip commencement date; or
- Annual Multi-Trip policy – Covers multiple trips in a year provided that each trip duration does not exceed 90 consecutive days from the trip commencement date.
A transit traveller is a foreigner who does not have a valid FIN/NRIC. A transit traveller will be eligible for coverage under Travel Takaful policy if the following conditions are met:
- A transit traveller can only be covered as an insured person under Single Trip – Group Plan, Family Plan or Married Couple Plan, where the policyholder must be a Singapore Resident.
- The trip undertaken by a transit traveller must start and end in Singapore.
For example, you are a Singaporean and your friend from Canada is visiting you in Singapore. Both of you decided to travel together from Singapore to Bali for a vacation. You may purchase the Group Plan as the policyholder and include your friend (a transit traveller) as an insured person in your policy. Both of you must be traveling on the same trip, starting and ending in Singapore.
A transit traveller is not eligible under the Annual Multi-Trip plan. Please note that entry permit/boarding pass or equivalent proof of entry is required for claims processing.
No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.
Your coverage will be automatically extended for up to 30 consecutive days from the original policy end date without additional premium – if you are unable to return to Singapore as planned due to:
- A serious bodily injury or serious illness and you have to be hospitalised upon the advice of a medical practitioner; or
- A delay of the public transport you were scheduled to take back to Singapore, which prevents you from returning before the policy expires.
Supporting documents must be submitted to us to validate the event.
Please note that extensions due to other reasons not stated above will not be covered.
Yes, leisure sports such as hot air balloon ride, parachuting, sky diving, bungee jumping, hang-gliding, paragliding, leisure scuba diving no deeper than 30 metres, hiking or trekking up to 6,000 metres from sea level and non-competitive winter sports are covered.
Usual tourist activities that are accessible to the general public without restriction and are provided by a recognised local tour operator are covered. You must be acting under the guidance and supervision of qualified guides and/or instructions of the tour operators when carrying out such tourist activities.
Please refer to our Policy Wording for definition and exclusions related to adventurous activities.
Yes. If you are diagnosed with COVID-19, Travel Takaful provides coverage under the following benefits, subject to the applicable benefit limits:
- Trip Cancellation and Loss of Deposit
- Travel Postponement
- Travel Curtailment
- Trip Disruption
- Medical Expenses Incurred Overseas
- Emergency Medical Evacuation & Repatriation
You do not need to pay additional premium for the extended coverage related to COVID-19.
Please note that claims are payable only for the insured person diagnosed with COVID-19. Expenses incurred by travel companions are not covered.
TCM treatment expenses may be claimable (under Deluxe or Suite Plan only) if:
- The treatment is medically necessary due to an illness or injury sustained during the trip;
- The TCM practitioner is legally registered or licensed in the country/Singapore where treatment is sought; and
- The treatment falls within your policy’s medical expenses sub-limits.
Please note that reimbursement is subject to the medical expenses limit and any TCM sub-limit stated in your policy. All claims must be supported by original receipts and relevant medical documentation.
Yes, we do. For such cruises, please select Zone 1 as your travel destination when purchasing your policy.
Yes, business travel is covered. However, exclusion applies on
- Personal Liability Abroad – any legal liability arising from your business or professional activities is not covered.
- Personal Effects (including laptop computer) – loss or damage to devices owned by your company or employer, business goods or samples or equipment of any kind is not covered.
Please refer to our Policy Wording for full list of terms, conditions and exclusions.
We collect your flight details to track delays in real time and assess travel delay claims more quickly. This minimises manual submissions and enables faster claims processing.
Providing flight details is optional, but it is strongly recommended to enjoy a smoother claims experience.
Transit flight delay is covered under Travel Takaful policy, subject to the policy’s terms, conditions, and minimum delay period of 3 hours. If your journey includes connecting flights, delays affecting your transit flight may be covered, as long as they fall within the policy’s defined journey. Providing full flight details, including transit flight, helps ensure smoother and faster claims processing.
As an insured person, you are entitled to the following free travel assistance services provided by our travel assistance provider. To access the service, simply dial the Emergency Services Hotline at +65 6415 8694 and quote your Policy Number. Consultation is free. Other third-party costs and expenses are covered under the policy subject to the terms and conditions provided in our Policy Wording.
Our Travel Information and Emergency Assistance Services comprise the following:
- Travel Information and Emergency Assistance Services
- Pre-Trip Information Services
- Inoculation Requirements & Visa Requirements
- 24-hours Emergency General Travel Assistance (English & Mandarin)
- Embassy Referral
- Lost Luggage Assistance
- Lost Passport Assistance
- Emergency Message Transmission Assistance
- Interpreter Referral
- Telephone Medical Advice
- Medical Service Provider Referral
- Arrangement of Appointment with Local Doctors
- Arrangement of Hospital Admission
- Guarantee of Medical Expenses Incurred
- Monitor Medical Condition during Hospitalization with Attending Physician
Travel Takaful base plan does not cover claims related to pre-existing medical conditions. To be covered, you will need to purchase the Pre-existing Medical Conditions add-on, which is available at an additional premium. This add-on is only applicable to Single Trip policies of up to 30 days.
Coverage before the start date of your trip due to pre-existing medical conditions:
If you have to cancel your entire trip within 30 days before the commencement date stated in your policy due to a pre-existing medical condition, Travel Takaful covers the transport expenses, accommodation costs and other unused prepaid expenses (such as excursions and tours) that cannot be recovered from the service provider, subject to a 50% co-payment.
If you have to postpone your entire trip due to a pre-existing medical condition occurring within 30 days from the start of the trip, Travel Takaful covers the administrative costs incurred to postpone the trip, subject to a 50% co-payment.
Coverage during your trip due to pre-existing medical conditions:
If during your trip overseas, you suffer an acute onset of a pre-existing medical condition, Travel Takaful covers you for:
- overseas medical expenses, emergency medical evacuation & repatriation back to Singapore; and
- irrecoverable unused prepaid expenses because of you cutting short of your journey, subject to a 50% co-payment; or
- additional transportation expenses and accommodations costs incurred because of your trip disruption, subject to a 50% co-payment.
Please refer to our Policy Wording for full terms, conditions and exclusions.
Pre-existing medical conditions generally include any illness, disease, injury, or medical condition that you had before the start of your trip; it means any medical condition for which
- You received medical treatment, diagnosis, consultation or prescribed drugs or which symptoms or manifestations have existed whether treatment was actually received within a twelve (12) months period before your travel start date;
- Medical advice or treatment was recommended by a medical practitioner within a twelve (12) months period before your travel start date; or
- You should reasonably be aware of within a twelve (12) months period before your travel start date.
Claims arising from pre-existing medical conditions will not be covered for
- any pre-existing medical condition that worsens within the thirty (30) days before the start of your trip for which doctor has advised to see a medical specialist, undergo investigative test, surgery, or change in treatment, prescribed medication or dosage. This does not include changes to prescribed medication or dosage for lowering blood cholesterol;
- you are diagnosed with terminal illness with life expectancy of less than 12 months; HIV related illness, sexually transmitted diseases and mental disorders regardless whether diagnosis was received before or after this insurance was purchased;
- Outpatient medical treatment;
- Medical expenses incurred in Singapore.
Please refer to our Policy Wording on full terms, conditions and exclusions.
Yes, you may purchase the Pre-existing Medical Conditions add-on benefit by paying additional premium for the eligible insured person as long as your request for change is made at least 3 working days before the travel start date. Please contact our Customer Care Consultant for assistance.
Yes, the Pre-existing Medical Conditions add-on benefit only applies to the selected insured person, it does not automatically extend to cover everyone under the same policy.
Senior Protector helps address the reduced benefit limits commonly applied to senior travellers so you can travel with greater peace of mind.
Senior Protector is an optional add-on designed for travellers aged 70 years old and above, offering enhanced protection by doubling the benefit limit for Accidental Death or Permanent Disablement, Overseas Medical Expenses, Post-trip Medical Expenses, and extending coverage for pre-existing medical conditions (when the Pre-existing Medical Conditions add-on is purchased).
Depending on your date of birth. The eligibility age for purchasing Senior Protector starts from 70 years old based on the travel start date, not the policy purchase date.
Yes, you can still add the Senior Protector benefit by paying an additional premium for the eligible insured person as long as your request for change is made at least 3 working days before the travel start date. Please contact our Customer Care Consultant for assistance.
You may reach out to our partnering Travel Agents that you have purchased your Policy from. Alternatively, you may also contact our friendly Customer Care Consultant via WhatsApp at +65 6887 8777 or email at customer.service@etiqa.com.sg (Operating hours: Monday to Friday, 8:45am to 5:30pm, excluding Public Holidays).
Yes, you may change your travel commencement date by informing us at least 3 working days prior to the commencement of your trip.
Flight details can be added/updated by yourself via our Etiqa+ SG App or Customer Portal. Alternatively, you may send a request to our Customer Care Consultant via WhatsApp or email to assist you.
- 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 rate for refund of the premium paid corresponding to the unexpired period of insurance, provided that the amount to be refunded is at least S$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
We will send you a renewal notice via SMS and email 2 months before your policy expiry date. Guidance to renew is provided in the renewal notice. You may renew your policy online via:
- Etiqa+ SG App, or
- Customer Portal, or
- Renewal Portal
If you have purchased the Pre-existing Medical Conditions add-on, your premium may be increased based upon your attained age as at the policy renewal start date.
Please download our Etiqa+ SG App to submit claims. Alternatively, you may log in to the Customer Portal via website using SingPass Mobile.
You may also contact our Customer Care Consultant for assistance.
If the tour agent is our partnering Travel Agent, they should provide guidance to policyholders on the necessary supporting documents to ensure the coordination of claims submission to full completion.
You do not need to submit any manual claims if you have provided us the accurate flight details during policy purchase.
We provide real-time tracking of flight delays, automatic immediate assessment and instant approval for travel delay claims. By providing accurate flight information during policy purchase, you will receive a SMS notification from us informing you the claim status if there is a delay. You can then encash the claim payout to your bank account via PayNow.
Please note that this automation only applies if the accurate flight details are provided to us 24 hours before the actual flight departure.
If you did not provide us your flight details during policy purchase or before departure from Singapore, you may still submit a manual claim if your flight is delayed more than 3 hours.
Based on your purchased policy, the maximum benefit limit for Trip Disruption under Deluxe Plan is $2,000 per insured person, and capped at $6,000 per family plan.
Depending on how you and rest of the insured persons submit the claim.
Scenario 1: If you are submitting the claim on behalf of all affected family members, we will pro-rate the family limit evenly among 8 insured persons. We will pay $750 to each insured person.
Scenario 2: If claims are submitted by respective affected insured persons, payout will be calculated based on the drawn limit. For example, the sequence of claim submission as follows:
- First claim submitted by you for yourself, your spouse, your 2 children – we will pay $3,200.
- Second claim submitted by your parents – we will pay $1,600.
- Third claim submitted by your brother – we will pay $800.
- Forth claim submitted by your sister – we will pay $400 (because $6,000 family cap has reached).
Please submit your claim within 30 days from the date of the incident to ensure a smooth assessment process. Claims submitted after 30 days may not be accepted, so we encourage you to file as soon as reasonably possible.
You may log in to our Customer Portal or Etiqa+ SG App to view the status of your claim. Please check your email periodically as our claims team may reach out to you for more information during the assessment period.
If your claim is approved and you have our TiqConnect account, the claim payment will be credited to your eWallet by the next working day. You may encash the funds from your eWallet to your bank account via PayNow. For security and accuracy purposes, you can only encash funds via PayNow NRIC. You can also use your eWallet balance to purchase other insurance products or renew selected policies on our website.
Notwithstanding the above, we reserve the right to release payment to you by alternative payment method.
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This policy is underwritten by Etiqa Insurance Pte. Ltd.,(Company Reg. No. 201331905K), a member of Maybank Group.
This content is for reference only and is not a contract of insurance.
This policy does not provide cover for claims related to travel advisories or restrictions that were already in place, or known, before you booked your trip or purchased this policy. This includes prior travel warnings, border closures or mandatory quarantine requirements.
Full details of the policy terms and conditions can be found in the policy contract.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites(www.lia.org.sg or www.sdic.org.sg).
Information is accurate as at 12 March 2026.
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