Cancellation Etiqa: Easy Method

What is Etiqa

Overview

Etiqa is an insurance provider operating in Singapore offering life, health, travel and general insurance products under brands including Tiq. Products include single-trip and annual travel plans, home protection, cyber protection, and investment-linked plans.

How Etiqa serves customers

Etiqa provides policy management and customer support via its website, app and WhatsApp channels for quotes, purchases, claims and enquiries.

Official product and plan pages are available on Etiqa/Tiq websites and partner comparison pages for pricing and product details.

How to cancel Etiqa

Before you start

Check your policy type (single-trip, annual multi-trip, life/health 1-year+) and whether a claim has been made. Cancellation rules and refunds depend on product type and claim status.

Step-by-step cancellation (typical)

• Locate your policy number, insured name and date of purchase.
• Contact Etiqa via the app, WhatsApp or website to request cancellation and refund assessment.
• State the reason for cancellation (pre-commencement, unused period, or free-look) and provide supporting documents on request.
• Confirm whether any claims have been made (claims usually void refund eligibility for some products).
• Request written confirmation of cancellation and timing for any refund.

Platform notes

Etiqa does not publish platform-specific cancellation flows for App Store, Google Play or web; cancellations are generally policy-dependent and handled via the company’s customer channels.

Use the app or official website for secure communication whenever possible.

What happens when you cancel

Policy access and cover

If you cancel before the policy start date for a single-trip Travel Infinite policy, cover will not commence and you may be eligible for a full refund.

Once an insurance period has started, cover ends on the cancellation effective date according to policy terms.

Renewals and data

Cancelling stops future automatic renewals for the cancelled policy; you will need to re-enrol to regain cover later.

Etiqa retains your records as required by law; request confirmation if you need data deletion or a copy of your file.

Will I get a refund?

Single-trip travel policies

Travel Infinite single-trip policies: full refund of premium if cancelled prior to commencement of the policy.

No refund is available once the insurance period has started for single-trip policies.

Annual multi-trip and exceptions

Travel Infinite annual multi-trip policies: refund is calculated based on unused period using a sliding scale (examples: ~60% if 11 months remain down to ~10% if 2 months remain).

Refund for annual policies is only available if no claim has been submitted and the refund amount is at least S$20.

Pre-trip COVID-19 and statutory cooling-off

• Pre-trip COVID-19 cancellation coverage (Travel Infinite): up to S$5,000 for non-refundable costs if cancelling or postponing at least 14 days before departure.
• Statutory cooling-off (free-look) period: for life and accident & health policies of one year or more, Singapore law requires at least a 14-day free-look to cancel with refund (minus admin charges), provided no claim has been made.

Etiqa plans and pricing

Pricing summary table

Notes on prices

Prices above are the verified indicative amounts available from product listings and partner pages.

Where exact prices vary by cover options, the listing shows the starting or typical price supplied in verified data.

Your consumer rights in Singapore

Free-look (cooling-off) rights

For life and accident & health policies of one year or more, Singapore law grants a minimum 14-day free-look period from receipt of the policy.

During the free-look you may cancel and receive a refund of premiums minus any administrative fees, provided no claim has been made.

Fair dealing and dispute resolution

Etiqa states a Fair Dealing commitment in line with Monetary Authority of Singapore guidance: acknowledge feedback quickly and investigate complaints within specified timeframes.

If you remain dissatisfied, you can escalate to the Financial Industry Disputes Resolution Centre (FIDReC) or follow Etiqa’s published complaint process.

Customer experiences

Positive feedback highlights

Some customers report fast and easy claims for luggage damage and straightforward online purchase experiences.

Other comments praise discounts and the ease of buying travel policies through the app or partners.

Negative feedback highlights

Negative experiences include reports of slow claim reimbursements, difficulties with the app, and dissatisfaction when annual refunds were refused after a claim.

Some customers describe unhelpful responses via email or WhatsApp; consider keeping a record of all communications.

Documentation checklist

Essential items to prepare

• Policy number and insured person’s full name.
• Copy of the insurance certificate/policy document and purchase receipt.
• Proof of travel (itinerary, booking reference, flight tickets) and dates.
• Identification (NRIC/Passport) and bank details for refund.

Additional items for refund or claim review

• Receipts for non-refundable expenses (hotel, tours, flights) when claiming pre-trip COVID-19 coverage up to S$5,000.
• Claim reference numbers and prior correspondence if you already submitted a claim.
• Any medical certificates or police reports if relevant to the reason for cancellation or claim.

Common mistakes

Waiting until after the policy starts

Example: cancelling a single-trip Travel Infinite policy after coverage has begun typically means no refund. Always cancel before the commencement date for a full refund.

Double-check the policy start date on your certificate to avoid losing refund eligibility.

Assuming claim status doesn't affect refunds

Example: annual multi-trip refunds are often denied if a claim has been made; customers have reported losing refund eligibility after lodging claims.

Confirm claim status and refund rules before cancelling an annual policy.

Comparative recap

Quick side-by-side

How to use this table

Use this recap to check the likely refund outcome quickly before you contact customer service.

If your situation is complex, document your case and request a written refund assessment from Etiqa.

After cancelling

What to expect next

Ask for written confirmation of cancellation, the refund amount and timing, and any administrative fees deducted.

Retain all correspondence and payment proofs until the refund is issued and cleared.

Helpful official links

• Tiq on SingSaver (product/provider summary)
• Tiq Home Insurance product page
• Tiq Invest product page

Address

Official correspondence

Etiqa's historical registered office for correspondence is:

16 Raffles Quay, Hong Leong Building, #01‑04A, Singapore 048581

Customer care channels

Use the app, WhatsApp or official website contact forms for cancellations and to request written confirmation.

If you need formal escalation, request details of the complaint process and FIDReC referral rights from Etiqa.