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Travel Insurance: The Safeguard You Need Against Flight Disruptions and Baggage Delays

Annette Anthony

Annette Anthony

Last updated 19 July, 2022

Recent news has highlighted way too many instances of flight disruptions and baggage delays. How can you prevent yourself from falling victim to unfortunate travel circumstances beyond your control? Travel insurance coverage might be the solution you need. 

 

What exactly is causing the delays and disruptions? It all boils down to one hard-pressed factor – manpower. 

The pandemic hampered worldwide travel in 2020, and since then, thousands of airport and airline workers were laid off. The International Air Transport Association divulged that the industry is now working at about 44 million-strong capacity, almost half of what it used to be in 2019.

The supply-demand dilemma in the travel industry

Now picture this.

Many countries have either eased their COVID-19 restrictions or resumed to normal life. This makes it easier for people to go on international trips. However, while there are more individuals catching flights, the increase of airline and airport staffing is trudging behind. 

The result? Precisely what we’re seeing right now. These are only made worse by COVID-19 outbreaks within the airport staff circle, dampening the situation even further. Additionally, there are strikes happening in Europe, even among pilots.

What’s happening in airports in Europe and the rest of the world?

Flying into European countries has been chaotic, to say the least.

Heathrow Airport, for one, was at the heart of an ongoing strike with over 700 British Airway check-in staff demanding better pay. Luckily, their efforts to reinstate their pay (a 10% pay-cut was issued during the pandemic) seems to have borne fruit, as the strike was just suspended (July 7) after a new pay offer.

The London airport has been facing other issues, including flight cancellations with snaking long queues and extended waiting times.

France has faced its share of flight cancellations in June, and Spain this month, driven by demands for better pay and working conditions. 

The same effects are eminent in other countries across the globe, with shortage of pilots in America, and long queues in Australia and India.

When will the flight disruptions and baggage delays start to ease?

CNBC quotes Stephen Furlong, a senior industry analyst from Davy, providing his view on the current travel disruption situations.

Furlong predicts that the travel disruptions will continue into the summer. It could be due to ground handling, security, or labour issues from airlines.

Finding talent to fill in the gaps will also take time, given the change in the labour market and  the Great Resignation. Workers today prioritise work-life balance, and are more willing to quit their jobs.

What can you do to avoid getting stuck in an airport?

In the current situation, it’s best to steer away from travelling to destinations with ongoing flight disruptions and baggage delays.

Radarbox’s list of flight disruptions between April 1 and June 29 include London, Frankfurt, Italy, France, Germany, Turkey, and Norway. 

Here are three precautionary steps you can take to manage the situation as a passenger:

  • Book hotels or airbnbs with flexible cancellation policies
  • Pack essentials in a carry-on 
  • Include a buffer time to accommodate any time-related disruptions

Travel insurance coverage is a necessity during the new normal

While it may seem expensive to include travel insurance on top of your usual costs, it has proven to be a dependable shield against travel woes. With travel insurance, you’re covered for a myriad of instances, including:

  • Travel medical expenses (Certain plans in Singapore cover COVID-19, too)
  • Loss or damaged baggage
  • Trip cancellations or delays
  • Emergency medical evacuation
  • Pre-existing conditions

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02


<div class="wp-block-button aligncenter"><a class="wp-block-button__link has-text-color has-very-light-gray-color has-background has-luminous-vivid-orange-background-color blog-trackable" href="https://singsaver.link/tiq-travel-insurance" class="blog-trackable" ga-action="blog conversion - apply now click" ga-category="travel-insurance" ga-label="Tiq-Tiq Travel Insurance" target="_blank" rel="sponsored nofollow noopener"><strong>Apply Now</strong></a></div>

from S$39 (for 1 week in Asean)
Yes

Single Trip: Use the promo code TIQSINGSAVER to get 48% off. T&Cs apply. Valid till 24 Oct 2023. T&Cs apply.

 

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on + $20 cashback. Fulfillment by TIQ. Valid till 31 Oct 2023. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

 

Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Starr TraveLead Travel Insurance


 

from S$11.05 (for 1 week in ASEAN)
Yes

Get up to $50 Grab Vouchers (min. Premium $30) and get 35% off when you use promo code SSVTL35. Valid till 31 Oct 2023. T&Cs apply.

 

Plus, till 31 October, every 2nd successful applicant will score an Apple AirTag worth S$45 on top of our weekly lucky draw. 

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Allianz Travel Insurance
AZ logo

 

 

from S$34.10 (for 1 week in Asean)
Yes

Use promo code SSV45 to get 45% discount plus get up to $35 Grab Vouchers  when you apply NOW! Valid till 31 October 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)
Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 October 2023. T&Cs apply

 

Plus, till 31 October, every 2nd successful applicant will score an Apple AirTag worth S$45 on top of our weekly lucky draw. 

 

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

FWD Travel Insurance

 

from S$22.50 (for 1 week in Asean)
Yes

Use the promo code OCT23 to get 35% off on Single Trip and 30% off on Annual Trip plans. Valid till 25 October 2023. T&Cs apply. 

 

Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 31 October 2023. T&Cs apply.


Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 


 

 from S$46.20 (for 1 week in ASEAN)
 Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 31 October 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 


Single Trip:
Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 31 Oct 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

 

 

 from S$45 (for one week in Asean)
Yes

Enjoy a 45% discount for Single Trip and 15% discount for Annual Trip when you apply now! Valid till 30 Nov 2023. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean)
Yes

Single Trip: Apply promo code SS20OFF to receive 20% discount and receive up to S$50 Grab vouchers on AIG Single Trip Travel Insurance (minimum premium $100, fulfillment by AIG). Valid till 31 Oct 2023.

 

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 31 Oct 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean)
Yes

Single Trip: Get an 30% discount when you use the promo code TSP30S. Valid till 31 Dec 2023. T&Cs apply.

 

Annual Trip: Get an 10% discount when you use the promo code TSP10A. Valid till 31 Dec 2023. T&Cs apply.

Discount is only valid for Elite and Classic plans.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.

Travel insurance coverage for baggage and flight disruptions

Now, let’s see what insurers in Singapore provide local travellers for baggage and flight disruption coverage.

Insurance Provider Travel Insurance Coverage COVID-19 Coverage
FWD Travel Insurance  Up to S$7,500 for theft or damage to personal belongings

Up to S$900 for baggage delay

Up to S$1,000 for travel delay
Yes, as an add-on
Starr TraveLead Travel Insurance  Up to S$7,500 for personal baggage cover

Up to S$1,200 for baggage delay

Up to S$500 for unused ticket entertainment
Yes
Allianz Travel Insurance Up to S$ 7,000 in personal baggage coverage

Up to S$2,000 for travel delay 

Up to S$1,400 for baggage delay
Yes
HLAS CovidSafe Travel Protect360 Up to S$8,000 for baggage loss

Up to S$1,500 for baggage delay

Up to S$2,000 for travel postponement
Yes
AIG Travel Guard Direct Up to S$10,000 for loss of personal belongings

Up to S$1,600 for baggage delays (due to collection at your destination airport)

Up to $3,000 for travel delay
Yes
Singlife Travel Insurance Up to S$8,000 for baggage loss

Up to S$2,000 for travel delay

Up to S$2,000 for baggage delay
Yes
MSIG TravelEasy Up to S$1,500 for travel delay

Up to S$400 for missed travel connection

Up to $1,500 for baggage delay

Up to $7,500 for baggage loss
Yes
Etiqa (TIQ) Up to S$10,000 for trip cancellation and deposit loss

Up to S$200 for baggage delay

Up to S$500 for travel delay

Up to S$1,000 for travel postponement
Yes, as an add-on

*Terms and conditions apply

There are many plans available to cushion you (and your loved ones) during your getaway. To know more, click on the button below and compare the insurance plans in Singapore. 


Read these next:

Best Travel Insurance Plans And Promotions In Singapore (July 2022)

What Is the Best Travel Insurance for Your Age?

When Is It Too Late to Get Travel Insurance?

Single Trip vs Annual: Which Travel Insurance Should You Get?

Money Confessions: I Skipped Travel Insurance During the Pandemic



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