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Travel Coverage TripCare 360 Now Offers Enhanced Benefits

The end of year is near and that only means one thing: it’s holiday season! If you’re planning a trip, start with a checklist of travel essentials , so you’ll have everything you need.

One important thing to add to your list is travel coverage, more commonly known as travel insurance or travel takaful. 

What Is Travel Coverage?

Travel coverage is a safety net for your trip . It can help you pay for unexpected expenses and losses that may happen on your trip, such as: 

• Delayed or cancelled flights
• Lost or damaged luggage
• Passport theft
• Medical emergencies

Travel coverage can help you avoid paying out-of-pocket for these expenses, which can save you a lot of money.

Etiqa TripCare 360 makes a good choice for travel coverage as it covers a wide range of travel inconveniences . The plan now comes with enhanced benefits, providing more protection and value for your money. 

Here’s a look at some of the enhanced benefits of TripCare 360. 

Enhanced Benefits of Travel Coverage TripCare 360

Covers international travels for up to 180 days.

Travelling abroad for an extended period of time? TripCare 360 now covers international travels for up to 180 days, an increase from the previous period of 90 days. This means you can travel overseas for a longer period of time and remain covered throughout your trip.

Covers All Causes of Travel Delay

TripCare 360 now covers travel delays caused by any reason. Whether it’s bad weather, airline electrical failure, or any other unexpected situation, rest assured that you’re covered. 

You’ll automatically receive RM100 if your flight within Malaysia or abroad is delayed by 2 hours. If you’re on an international trip, you’ll get an extra RM250 for every additional 6 hours of delay, up to the maximum coverage amount.

The table below summarises the maximum amount you’ll get for travel delays with each TripCare 360 plan:

Covers Baggage Delays Upon Return to Malaysia 

Waiting for your baggage for hours can be exhausting, especially after a long haul. To ease that frustration, TripCare 360 now covers baggage delays upon your return to Malaysia. 

This complements the existing coverage for baggage delays upon your arrival overseas, making sure you’re covered at both ends of your trip!

Note that you’ll be covered if your baggage is delayed by at least 6 hours. The following shows how much you’ll get for baggage delays upon your return to Malaysia: 

Offers Improved COVID-19 Optional Cover

Alongside the benefits we’ve mentioned, there are also improvements to the COVID-19 optional cover:

• Reduced waiting period from 14 to 7 days. This means you can sign up for your travel coverage plan closer to your trip date, giving you more flexibility in planning.
• Lower cost with up to 75% discount. Save money on the COVID-19 cover so you can spend more on your trip.

With the COVID-19 cover, you’re eligible for a range of benefits, including up to RM5,000 if you need to cancel your trip due to COVID-19, and up to RM300,000 for COVID-19 medical expenses.

See the policy or certificate wording for the entire benefits you’ll get with TripCare 360. 

Have a Smoother Trip with Enhanced TripCare 360

With travel coverage plan TripCare 360, you can leave your travel worries behind, knowing you’re covered if something unexpected happens on your trip. And here’s the icing on the cake: you can enjoy a 25% discount when you get the plan online. Secure TripCare 360 insurance or takaful in just minutes, and have a great trip!

The information contained in this blog is provided for informational purposes only. It should not be construed as advice on any matter. Etiqa accepts no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 21st October 2023.

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TripCare 360 Insurance Plan

List of coverage for different plans, tripcare 360.

Comprehensive travel protection plan for you & your family with 25% OFF when you sign up online

A comprehensive travel insurance plan that provides protection for international and domestic travel delays with cashless medical care, loss of baggage, medical emergencies and other travel inconveniences. *

GET 25% OFF WHEN YOU SIGN UP ONLINE NOW

Get insured and enjoy these benefits designed just for you:

• Cashless overseas medical care with Gurarantee Letter provided for accident or illness during overseas trip with just one phone call to our 24/7 hotline so you can be admitted to hospital without payment.  (Medical care benefits are not applicable for pre-existing illnesses)*
• Get paid up to RM5,000 for loss or damage to your baggage, and theft of personal money & travel documents.
• Get paid RM100 for a 2-hour flight delay, even without submitting a claim.
• Coverage for death and permanent disability
• (Destinations with epidemic or pandemic under Level 4 are not covered.)
• Add-on for additional adventourous activity coverage

*Terms and conditions apply.

• Click here  to download the e-brochure to view all the plans available

How to apply

Step 1: Launch the MAE app and go to ‘Apply’

Step 2: Select ‘Insurance’ on the menu bar at the top of your screen

Step 3: Tap ‘TripCare 360’

Step 4: Fill in the form, then tap ‘Buy Now’ and proceed to complete your application

Don’t have the MAE app? Download it here:

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Step 1: Log in and click on ‘Apply’ at the top navigation

Step 2: Click on ‘Insurance’

Step 3: Click on ‘Apply Now’ under ‘TripCare 360

Step 4: Fill in the form, then click ‘Buy Now’ and proceed to complete your application

Eligibility

• Individuals/adult from age 18 to 70 years old
• Senior citizens from age 71 to 80 years old
• Children who are unmarried from age 45 days to 18 years old (or below 23 years old if still studying full-time)

Making a claim

Making a claim should be fast and easy. Know that we are here to make it easier for you with these channels:

All claims must be notified to us as soon as possible within 24 hours. However it must not be later than 30 days after the loss or damage

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• Click here   EN |  BM to download the  e-Brochure
• Click here  for TripCare 360 benefits (infographic)
• Other terms and conditions apply.

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

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Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. 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 GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 18 April 2024.

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• Etiqa Travel Insurance: Worth A Buy?

• Basic plan is one of the cheapest on the market
• Provides real-time tracking of flight delays
• Instant approval for travel delay claims
• Covers Cruise to Nowhere
• Average benefits for medical and trip inconvenience
• Business plan doesn't stand out in features compared to other top tier plans

Travellers seeking wallet-friendly travel insurance plans in Singapore can benefit with Etiqa's travel insurance plans. Consistently being one of the cheapest plans, Etiqa's Tiq travel insurance combines attractive prices with comprehensive coverage that will please most travellers. However, if your criteria is trip inconvenience coverage, you may not get the coverage you need.

Table of Contents

• Etiqa Entry Plan
• Etiqa Savvy Plan
• Etiqa Luxury Plan

Sports Coverage

Covid-19 add-on, claims information.

• Etiqa Travel Insurance Summary

Tiq Travel Insurance: What You Need to Know

The main reason you should consider Tiq by Etiqa's travel insurance is its affordability. Tiq's Entry and Savvy plans stand out in particular for offering among the cheapest prices for entry-level and mid-tier travel insurance plans on the Singapore market. Its coverage runs fairly average, but it provides cover for adventurous activity so it can be a good option of students or budget travellers who prefer to be active on their holidays. Etiqa is also a leader in innovation as the first insurer in the Singapore market to provide automatic real-time flight delay claims approval, meaning that you can be reimbursed for your flight delays as soon as they occur.

However, Etiqa may not be the best choice for people who booked luxury trips or need high levels of trip inconvenience coverage. In most cases, Etiqa's travel insurance plans fall below average compared to their peers for trip inconvenience benefits like missed connections, delays, cancellations and baggage loss as well as some medical coverage. Furthermore, its benefits are fairly standard so you won't find much if you are looking for niche coverage like sports equipment, wedding or pregnancy benefits. Thus, we don't recommend Tiq for people who are willing to spend extra for copious amounts of coverage or require niche benefits like sports equipment coverage or pregnancy benefits.

Notable Exclusions

Though Etiqa is lenient with sports-related medical events you can claim, it will not cover your sports equipment, including skis and snowboards. Medical exclusions are standard, including pre-existing conditions (unless you're buying the Pre-Ex plan), pregnancy-related events, mental disorder, suicide and purposeful self-injury. Other main exclusions include participating in illegal activity, participating in war and trips exceeding 182 days.

Tiq Travel Insurance Entry Plan

Etiqa has carved out a place for itself in the market for budget travel insurance plans with its Entry plan. It offers some of the lowest prices for coverage within ASEAN and Asia without cutting out the necessary protection you expect in a travel insurance policy. We think this is a great plan for the consumer who is interested in getting as cheap a plan as possible without having to compromise too much on the very features you're looking for in travel insurance anyway. For instance, students and budget travellers who are active will benefit from the low prices, adventurous activity coverage and a solid offering of benefits that cover the most likely travel woes. That said, it is possible to find even cheaper travel insurance plans, like with FWD and Budget Direct, so those looking for rock bottom prices may not find the Entry plan to be the best fit.

Tiq Travel Insurance Savvy Plan

If you're looking for an affordable mid-level, single trip plan, then Etiqa will deliver. Week-long and longer trips cost 20%-40% below average to insure and premiums drop by as much as 50% from the market average for family plans, making Etiqa's Tiq Savvy plan one of the most competitively priced mid-tier plans. However, it offers quite below-average coverage for a mid-tier plan, so those hoping to pay extra for considerably more coverage may not find the Savvy plan's upgrades to be worthwhile, as there are budget plans that can offer more coverage for the same price (or lower). Lastly, Frequent travellers should take note that the Savvy's annual plans cost around the average compared to other mid-tier plans on the market. Therefore, cost-conscious travellers may find a better deal with insurers like DirectAsia and FWD.

Tiq Travel Insurance Luxury Plan

Etiqa's premium offering, the Luxury Plan, is fairly undistinguished in that it offers below-average to average levels of coverage compared to other top-shelf travel insurance plans while also running near the middle of the pack in terms of pricing. We think that if you're seeking maximum levels of coverage or great value in a premium travel insurance plan, there are superior choices available to you, such as the DirectAsia's DA500 plan .

Though Etiqa doesn't have outright sports coverage, it does allow some adventurous activity such as skiing/snowboarding, hiking, scuba diving (above 30 metres), sky-diving, bungee jumping, hang-gliding, paragliding, parachuting and hot air balloon rides. However, there is no option for sports equipment coverage.

Apart from the Child Education Cover, Rental Car Excess Cover, Pet Hotel Cover and Sport Equipment Protector that Etiqa currently offers, Etiqa has added a comprehensive COVID-19 add-on protecting you before, during and after your trip. However, the COVID-19 add-on coverage is only available to travellers who are fully vaccinated, and fulfil the pre-departure & post-arrival tests requirements imposed by the destination country or transport operator.

To submit a claim with Etiqa, you can either contact Etiqa to get the claims procedures or complete the online claim form and submit it along with the necessary original documentation. If you have a TiqConnect account, you can submit your claims through TiqConnect. You can also conveniently contact their customer care officers via Whatsapp at the number provided below. That said, Tiq Travel Insurance also offers convenient automatic claims 3-hour flight delays (you don't even have to submit a claim) and instant claims encashment via PayNow, which makes it easier than most other insurers to file a claim when a travel inconvenience occurs.

Tiq by Etiqa Travel Insurance Summary

• S$30,000-S$500,000
• S$300-S$500

To get the maximum peace of mind on your next trip, it is vital to make sure you will be adequately covered for whatever can happen without breaking your budget. Below, we have a summary of Etiqa's coverage and prices, as well as how it compares to the industry average. If you'd like to compare Etiqa to other plans in the market in more depth, you can read our guide to some of the best travel insurance plans in Singapore.

All insurance product-related transactions via AMTD PolicyPal Group (including Value Champion) are arranged and administered by Baoxianbaobao Pte. Ltd., our insurance broker and exempt financial adviser licensed and regulated by the Monetary Authority of Singapore. This insurance purchase is powered by Baoxianbaobao Pte. Ltd.

Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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In our continuing effort to improve our services, Etiqa Philippines’ e-commerce systems will be undergoing a scheduled maintenance on October 22, 2019 from 1:00 AM to 3:30 AM .

During this period, you will temporarily be unable to purchase our products online. For your convenience, please purchase before 1:00 AM or after 3:30 AM.

If you have any questions or concerns, you may get in touch with us via our Facebook Page ( https://www.facebook.com/etiqaphilippines/ ) or you may email us at [email protected] Thank you for your continuing support.

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Terms and conditions of covid 19 rider.

• RT-PCR Test is part of the medical expenses limit and is ONLY covered for symptomatic patients
• Hospitalization due to COVID 19 will only be covered IF medically required and necessary as determined by a medical practitioner based on the condition of the Insured patient.
• Any quarantine expenses are NOT covered either as a requirement upon arrival in the foreign country (i.e., known risk) or as a requirement for a COVID positive Insured.
• We do not cover any medical evacuation / repatriation of people with the active virus.
• We do NOT cover the hospitalization expenses IF the quarantine facility for an asymptomatic or mild case patient is in a hospital in that particular country abroad.
• Medical check-ups due to COVID 19 for symptomatic patients that do not require hospitalizations (i.e., mild cases) IS NOT covered; Only the RT PCR Tests are covered for MILD cases that would not require hospitalization.
• For Trip Cancellation coverage (Prior to leaving the Philippines): “Serious illness understood as any unexpected alteration of the Insured's state of health that involves risk of death or implies hospitalization and makes it impossible to start the contracted trip”. If the reason for cancellation is due to COVID 19, the insured is obliged to submit a positive COVID 19 test performed 14 days before the start of the trip. [Contracting COVID 19 would require a positive COVID 19 test to validate that Insured has COVID 19, and would not rely on self-diagnosis or unsubstantiated doctors report.
• EXCLUDES coverage on expenses due to prolonging the stay of a positive COVID 19 who cannot travel but is asymptomatic and has not required medical attention and carrying out COVID 19 tests as a preventive measure or in asymptomatic policyholders, expenses related to mandatory quarantines without medical criteria. For those who have undergone hospitalization, our policy has a standard wording that only allows allow automatic extension of up to 10 days only from the initial expiry date if extension is due to a covered illness.
• Commercial gestures related to COVID 19 Coverages, by general definition, will not be allowed unless covered under the Terms and Conditions of this COVID 19 Travel Rider Indemnified Package.
• We reserve the right to the possibility of cancelling the travel insurance subscription to certain destinations if we see the possibility of adverse loss experience or increase in utilization in that particular destination abroad.
• This COVID Rider is specific to COVID-19 ONLY and will not extend to cover any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein.
• This is applicable to International Travel ONLY

PREMISES OF THE COVERAGE

• Can only be covered as a rider to the Travel Assistance Reinsurance Program and not as a separate / stand-alone new program
• For the purposes of issuance, it can go as an additional coverage or an optional rider that is attached to the contracted policy under the Travel Reinsurance Contract within its particular conditions.

IMPORTANT NOTES

• Quota Sharing
• Annual Minimum Reinsurance Premium (Quarterly Payment)
• Maximum Days of Coverage allowed (Indemnified Program)
• Maximum Age
• Eligible Individuals
• Declaration Mode
• We do NOT cover any medical evacuation / repatriation of people with the active virus.
• Any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein are also NOT covered under the main travel contract.
• This is applicable to International and Domestic Travel

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• I consent to Etiqa and its related, its agents, authorised service providers and marketing partners collecting, using, disclosing, and/or processing my personal data, in order to contact me about products and services marketed by Etiqa or its partners as well as benefits, promotions and rewards, via the modes mentioned or selected, and using my contact particulars which Etiqa may have in its records from time to time (including where applicable my Singapore telephone number(s));
• I confirm and agree that my consents granted herein do not supersede or replace any other consents which I may have previously provided to Etiqa in respect of my personal data, and are additional to any rights which Etiqa may have at law to collect, use or disclose my personal data, unless my consent is withdrawn and notified to Etiqa.
• I can choose to withdraw my consent by submitting the Marketing Withdrawal Form at www.etiqa.com.sg or email to [email protected].

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I expressly authorise and consent to Etiqa, its officers and employees at their sole discretion, to disclose any and all information relating to me, including my personal particulars, my transactions and dealings and my policies of insurance with Etiqa, to any of the following persons, whether in Singapore or elsewhere:

• Etiqa’s related corporations or affiliates;
• Any of Etiqa’s contractors or third party service providers;
• Any regulatory, supervisory or other authority, court of law, tribunal or person, in any jurisdiction, where such disclosure is required by law, regulation, judgement or order of court or order of any tribunal or as a matter of practice;
• Any actual or potential assignee(s) or transferee(s) of any rights and obligations of Etiqa under or relating to my policy or policies for any purpose connected with the proposed assignment or transfer; and
• Any credit bureau, insurer or representative, for such purpose(s) that Etiqa in its reasonable opinion considers appropriate including but not limited to the purpose(s) of underwriting, customer servicing, investigation of Etiqa’s representatives and monitoring undesirable sales practices.

Eligibility Conditions

• The Insured, also known as the Applicant / Proposer, must be a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
• The Applicant/Proposer must be at least 18 years of age.
• For more information, please view our Policy Wording

Thanks for your interest.

Our Assurance Manager will reach out to you within 2 working days to assist you further.