Trip Interruption Protection

Is trip interruption covered? If your trip is shortened or changed due to unforeseen circumstances, we will compensate for unused travel expenses or additional transportation and accommodation expenses.

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International Travel Insurance (One-Way Trip)

Easy claims processFree cancellation

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Journey Curtailment

5,000

Overseas Medical Expenses

250,000
For Insured Person(s) between 18 to 70 years old, both inclusive
250,000
For Insured Person(s) below 18 or above 70 years old
125,000
Sub-limit for Traditional Chinese Medicine
500

Continuation of Medical Treatment After Return To Singapore

10,000
Sub-limit for Traditional Chinese Medicine
250

Chubb Assistance - Emergency Medical Evacuation

Included

Chubb Assistance - Repatriation of Mortal Remains

Included

Personal Liability

500,000

Journey Cancellation or Postponement

5,000

Accidental Death and Permanent Disablement

50,000
For Insured Person(s) between 18 to 70 years old, both inclusive
50,000
For Insured Person(s) below 18 or above 70 years old
25,000

Travel Delay

200 per every 6 hours, up to 800

Baggage Delay

200 per every 6 hours, up to 800

Loss of Advance Deposit due to Insolvency of Travel Agent

1,000

Loss or Damage of Personal Property and Baggage

3,000
Sub-limit for each item, pair or set of articles
500
Sub-limit for all cameras and camcorders
500
Sub-limit and cover for only one (1) Portable Computer
500
Sub-limit for Money and Travel Documents
350

24-Hour Worldwide Medical Emergency Assistance Hotline

Included

24-Hour Travel Advice Hotline

Included

Automatic Extension of Cover

Included
FromS$ 22.50
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International Travel Insurance (Single Return Trip)

24-hour worldwide assistanceFree cancellation

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Journey Curtailment

5,000

Overseas Medical Expenses

250,000
For Insured Person(s) between 18 to 70 years old, both inclusive
250,000
For Insured Person(s) below 18 or above 70 years old
125,000
Sub-limit for Traditional Chinese Medicine
500

Continuation of Medical Treatment After Return To Singapore

10,000
Sub-limit for Traditional Chinese Medicine
250

Chubb Assistance - Emergency Medical Evacuation

Included

Chubb Assistance - Repatriation of Mortal Remains

Included

Personal Liability

500,000

Journey Cancellation or Postponement and Journey Curtailment

5,000

Accidental Death and Permanent Disablement

50,000
For Insured Person(s) between 18 to 70 years old, both inclusive
50,000
For Insured Person(s) below 18 or above 70 years old
25,000

Travel Delay

200 per every 6 hours, up to 800

Baggage Delay

200 per every 6 hours, up to 800

Loss of Advance Deposit due to Insolvency of Travel Agent

1,000

Loss or Damage of Personal Property and Baggage

3,000
Sub-limit for each item, pair or set of articles
500
Sub-limit for all cameras and camcorders
500
Sub-limit and cover for only one (1) Portable Computer
500
Sub-limit for Money and Travel Documents
350

24-Hour Worldwide Medical Emergency Assistance Hotline

Included

24-Hour Travel Advice Hotline

Included

Automatic Extension of Cover

Included
FromS$ 22.50
Buy now

International Travel Insurance (Return Trip)

Adventurous activitiesNo deductible

Summary of Benefits

Maximum Benefit (Singapore Dollars)

Shortening the trip and travel disruption

10,000

Overseas medical expenses

350,000
Adult below 70 years
350,000
Adult 70 years & above
75,000
Child
150,000

Medical expenses in Singapore

10,000
Adult below 70 years
10,000
Adult 70 years & above
10,000
Child
10,000

Physiotherapy, chiropractic and traditional Chinese medicine expenses

100 per accident
Max. 600

Overseas hospitalisation daily benefit

200 per day
Max. 30,000

Medical & travel assistance services

Covered

Emergency medical evacuation and repatriation

Covered
Emergency medical evacuation
Covered
Sending you home after a medical emergency evacuation
Covered
Sending home your mortal remains
Covered

Letter of Guarantee (LOG) for overseas hospital admission

Covered

Compassionate and hospital visit

9,000

Child guard

9,000

Insolvency of licensed travel operator

2,000

Travel cancellation

10,000

Delayed departure

200 for every 8 hrs
Max. 1,000

Accidental death and permanent total disability

40,000
Adult below 70 years
40,000
Adult 70 years & above
20,000
Child
20,000

Automatic extension of cover

Covered

Delayed baggage

200 for every 8 hrs
Max. 1,000

Baggage

5,000
Per article, pair or set of items
500
One unit laptop computer and one mobile device
1,000
All photographic equipment
1,000
All golf equipment
1,000

Loss of travel documents and personal money

3,000
Personal money
300

Personal liability

1,000,000

Adventurous activities cover

Covered

Terrorism cover

Covered

Overseas medical expenses due to COVID-19

150,000

Emergency medical evacuation and repatriation due to COVID-19

Covered
FromS$ 28.00
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What is Trip Interruption Protection?

  • MSIG International Travel Insurance

    Shortening the trip

    We will pay the following for shortening the trip:
    a) the unused travel fare, accommodation charges and deposits the insured person has paid or payments for the original scheduled journey which the insured person legally has to pay and which cannot be recovered from any other source; and/or
    b) the reasonable additional travel expenses which need to be paid for the insured person

    if the journey is unexpectedly and unavoidably cut short or abandoned after it begins, whilst overseas, resulting in the insured person having to make a direct trip home due to any of the applicable covered reasons which take place during the journey.

    Travel disruption

    We will pay for the reasonable additional travel expenses incurred by the insured person to make changes to continue with the original scheduled journey, if their trip is unexpectedly and unavoidably disrupted after it begins, whilst overseas, due to any of the applicable covered reasons.
    Covered reasons Shortening the trip Travel disruption
    1. Death, serious injury or serious illness of the insured person or their family member or travel companion. We must receive written confirmation of the nature of the serious injury or serious illness from a doctor. Covered Covered
    2. The insured person or their travel companion being called as a witness in a court of law in Singapore. Covered Not covered
    3. The insured person’s home or place of business in Singapore becoming uninhabitable or being seriously damaged following a fire or flood which means the insured person has to return to Singapore. Covered Not covered
    4. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the insured person from continuing the scheduled journey. Covered Covered
    5. Natural disasters which happen at the planned overseas destination which prevent the insured person from continuing the scheduled journey. Covered Covered
    6. Closing of airport or airspace that prevents the insured person from continuing with the scheduled journey. Covered Covered
    7. Hijacking of the aircraft in which the insured person is on board as a passenger. Covered Not covered
    8. The insured person is denied boarding of the public transport by the local authority or transport provider due to infectious disease symptoms Covered Covered
    9. Fire at the accommodation booked by the insured person and the accommodation provider is unable to provide the stay. Not covered Covered

  • Chubb Travel Insurance

    What Is Covered

    If, during the Period of Insurance, while You are on a Journey, You are forced to curtail Your Journey and to return directly to Singapore or You have to alter the itinerary of any part of a planned Journey during the course of that Journey, as the direct and necessary result of any Specified Causes (as defined in Section 7 – Journey Cancellation or Postponement).

    Curtailment Expenses means
    (a) deposits, payments, accommodation or other charges paid in advance (excluding cost of the original travel ticket for returning to Singapore), which are either forfeited, deemed nonrefundable or levied due to the cancellation of the remaining part of the Journey; and/or
    (b) any additional administrative expenses incurred where it is possible to amend the original travel ticket; or
    (c) additional travel expenses (limited to economy class fare if it is not possible to amend the original travel ticket as confirmed by the carrier/travel operator and reasonable accommodation expenses).

    What We Will Pay

    We will reimburse You in respect of Curtailment Expenses incurred up to the maximum sum insured specified in the Benefit Schedule subject to the terms and conditions of this Policy.

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Frequently asked questions

  • What is travel insurance?

    MSIG's International Travel Insurance (for Singapore residents only) is a comprehensive travel insurance underwritten by MSIG Insurance (Singapore) Pte. Ltd. It provides cover for COVID-19, overseas medical expenses, personal accident, overseas hospital daily benefit, emergency medical evacuation and repatriation, 24x7 Medical and Travel Assistance Hotline, travel inconvenience-related cover such as the loss of baggage and personal items, travel delays, cancellation, adventurous activities and more.
    Chubb's International Travel Insurance is underwritten by Chubb Insurance Singapore Limited (Chubb). It provides you with comprehensive coverage options including protection against trip delays or cancellations, medical expenses, personal accidents, and emergency assistance.

  • If I need emergency assistance while traveling abroad, who should I contact?

    In the case of an emergency, you need to contact the insurance company as soon as possible.
    MSIG International Travel Insurance: Please contact the 24-hour MSIG Assist Hotline at +65 6323 8288.
    Chubb International Travel Insurance: Please contact Chubb's 24-hour overseas emergency assistance hotline at +65 6836 2922.

  • If I'm not traveling to or from Singapore, or I'm only transferring in Singapore, can I take out insurance?

    MSIG International Travel Insurance: The insurance provides cover for trips originating from Singapore.
    Chubb International Travel Insurance: The insurance provides cover for trips originating from Singapore.

  • How many days of travel will I be covered for?

    MSIG International Travel Insurance: For a one-way trip, coverage will cease after you have cleared immigration at the destination country or upon the expiry of your travel insurance, whichever is earlier. For an individual return trip, the maximum trip duration is 45 days.
    Chubb International Travel Insurance: You will be covered for the period as stated in the Certificate of Insurance issued to you. For a one-way trip, the coverage period is up to 3 days per trip. For a return trip, the coverage period is up to 90 days per trip.

  • What are the age requirements for the policyholder?

    MSIG International Travel Insurance: The policyholder (also the "applicant") must be at least 18 years old on the policy application date.
    Chubb International Travel Insurance: Travel Insurance by Chubb: The policyholder (the person named as the policyholder in the Certificate of Insurance) must be between 18 and 75 years old on the date that the insurance is purchased.

  • What are the age requirements for insured people?

    MSIG International Travel Insurance: Insured persons must be at least 1 month old at the start of the insurance period. Insured children under the age of 12 years must be accompanied by a parent or adult guardian during the travel period.
    Chubb International Travel Insurance: The insured persons (persons identified as insured persons in the Certificate of Insurance) must be between 2 and 75 years old on the date that the insurance is purchased.

  • Can I take out insurance on behalf of someone else?

    MSIG International Travel Insurance: You can buy the International Travel Insurance (for Singapore residents only) for yourself, and for your relatives and friends, up to a maximum of 9 insured persons (including you) in the same application. The insured persons must travel as a group together on the same trip.
    Chubb International Travel Insurance: You can buy the International Travel Insurance for yourself, and for your relatives and friends, up to a maximum of 9 insured persons (including you) in the same application. The insured persons must travel as a group together on the same trip.

  • When will my insurance coverage begin?

    MSIG International Travel Insurance: Policy is effective as soon as travel insurance is issued. Insurance coverage will commence based on the insurance period shown on your Certificate of Insurance.
    Chubb International Travel Insurance: Your insurance cover will commence from the time you leave your place of residence in Singapore to go directly to the departure point, or three hours before the scheduled departure time of the carrier in which you have arranged to travel, whichever is later. The dates you are covered can be found in your Certificate of Insurance.

  • How are claims settled?

    If you want to make a claim, you need to contact the insurance company directly.
    MSIG International Travel Insurance: If you wish to file a claim, you have to do so within 30 days of the scheduled trip end date. You can submit your claim online together with all the supporting documents such as medical bills, medical report, and police report.
    Chubb International Travel Insurance: You can submit a claim online at Chubb website, within 30 days from the incident. For claim enquiries, contact Chubb at TravelClaims.SG@chubb.com or call +65 6299 0988 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays).
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Trip Interruption Protection