Best Travel Insurance with Trip and Flight Cancellation

Alevin Chan

Alevin Chan

Last updated 23 June, 2024

Check out the best travel insurance with coverage for trip and flight cancellations. 

Best Travel Insurance: TIQ Travel Insurance | MSIG TravelEasy | Allianz Travel Insurance | Ergo TravelProtect | Singlife Travel Insurance | Sompo Travel Insurance | Tokio Marine Travel Insurance | Allied World Travel Insurance | Starr Travel Insurance | FWD Travel Insurance | AIG Travel Guard

One popular misconception is that travel insurance is only useful during your trip. If you happen to fall ill (be it COVID-19 or not), suffer an injury, or lose your luggage, only then can you submit a claim to cover your financial losses. 

However, did you know that your travel insurance policy can also protect you before your trip? If you have to cancel or postpone your trip, you can claim for unused tickets, accommodations and bookings that are non-refundable. This can help you recover a significant portion of the sums paid upfront. 

Let’s take a closer look at travel insurance with trip and flight cancellation or trip curtailment benefits, and how you can make the best use of them in a bind.

Table of Contents:

Understanding Travel Insurance with Trip and Flight Cancellation Benefits

The terms “travel insurance trip cancellation” and “travel insurance flight cancellation” are often used interchangeably, as they cover the same events. 

If you are unable to proceed with your trip as planned, there’s a chance your plane tickets, hotel accommodations and entertainment bookings may go to waste. You would then make a claim under your trip and flight cancellations benefits to recover their costs. 

Generally, there are three scenarios that qualify under trip and flight cancellation, as follows: 

  • Having to cancel or postpone your trip before it starts (trip cancellation)
  • Cutting your trip short and going home early (trip curtailment)
  • Having to make changes to your itinerary halfway through your trip (trip disruption)

Note that your policy may offer different claims limits for these scenarios, so be sure to check with the provided before deciding which travel insurance to buy. 

Also, be aware that your benefits will only apply from the point you purchase your travel insurance onwards, and not before. 

This means that if an airport closure has been announced affecting your flight, you won’t be able to claim your benefits unless you had purchased your travel insurance policy prior to the announcement.

How Do Travel Insurance with Trip and Flight Cancellation Benefits Work?

We previously covered travel insurance compensation for trip and flight cancellation in detail, so do have a look at the linked article if you want more information. 

In essence, your travel insurance policy acts as a last resort. Your insurer may ask you to approach your travel operators for compensation first, but you can save a step by doing it on your own initiative first.

Before making your claim, gather the necessary documents from your travel operator. These could be a statement from your airline stating the cause of your flight delay or cancellation, original receipts for tickets, and accommodation bookings specifying your dates of stay.

While you’re doing so, ask for a refund or compensation from your airline, attraction venue, hotel or tour operator, and obtain a written copy of their decision. Include this when submitting your claims to your insurer.

Because you’ve provided evidence that you have already tried to claim compensation from your tour operators, your insurer won’t bounce you back to them, saving you some time in the claims process.

Common Reasons for Claiming Travel Insurance with Trip and Flight Cancellation Benefits

Different insurers will have their own scope of covered reasons, but generally, you can claim for reasons such as:

  • Death, serious injury or serious illness of the insured, a family member, or a travel companion
  • Being called up for civic duties, such as to attend court as a witness 
  • Having to stay in Singapore due to fires, floods, break-ins or other serious incidents involving one’s home or business premises
  • Unexpected incidents where man-made (strikes, riots, etc) or natural (natural disasters) events prevent travel to the destination or make the trip impossible or unsafe.
  • Airport closures that prevent or affect travel at the intended destination 
  • Being denied boarding or travel due to infectious disease symptoms 

The above should be taken for information purposes only. Be sure to check your policy for the specific conditions and wording.

Best Travel Insurance for Trip and Flight Cancellations


Key highlights

Singlife Travel Plus
Singlife Travel Plus
Trip coverage:
- S$15,000 for cancellation (S$1,500 for COVID-19)
- S$8,000 for curtailment
- S$2,000 for disruption 
- S$2,000 for postponement 
- S$5,000 for cancellation for any reason
- Frequent flyer points
MSIG Elite Plan
MSIG Elite Plan
Trip coverage:
- S$10,000 for cancellation (S$4,000 for COVID-19)
- S$10,000 for curtailment
- S$2,000 for disruption 
- S$1,500 for postponement 
- S$500 for unused green fees
- S$300 for unused entertainment tickets 
FWD Premium
FWD Premium
Trip coverage:
- S$7,500 for cancellation 
- S$5,000 for curtailment
- S$1,000 for disruption 
- S$500 for postponement 
- S$6,000 for cancellation for any reason (as add-on)
Tiq Travel Entry
Tiq Travel Entry
Trip coverage:
- S$5,000 for cancellation (S$3,000 for COVID) 
- S$3,000 for curtailment
- S$3,000 for disruption (COVID-19 only)
- S$500 for postponement 
TM Xplora Plus Classic
TM Xplora Plus Classic
Trip coverage:
- S$5,000 for cancellation
- S$7,500 for curtailment
- S$3,000 for disruption 
- S$5,000 for postponement 
- S$100 for unused entertainment tickets
- S$100 for loss of frequent flyer points

Singlife Travel – Plus


Singlife Travel – Plus is a mid-tier plan that offers up to S$15,000 coverage if you need to cancel your travel plans. The plan also provides up to S$8,000 in benefits if you need to cut your trip short, while itinerary changes and delaying the start of your trip is covered at up to S$2,000.

This plan also comes with a Cancel for Any Reason benefit that is capped at S$5,000. Under this clause, you can claim up to 50% of the cost of unused travel fares, accommodations and other non-refundable expenses if you elect to cancel your trip for reasons other than those listed in your policy.

This plan also covers the loss of frequent flyer points, allowing you to prevent your hard-earned air miles from going to waste – a benefit rarely seen in other travel insurance policies.

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 June 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 30 June 2024. T&Cs apply. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

MSIG TravelEasy – Elite 


Another mid-tier plan, MSIG TravelEasy Elite offers coverage for flights, accommodations and travel deposits up to S$10,000 per adult traveller in the event of travel cancellation and also for trip curtailment, should you need to cut your trip short.

For trip disruptions, you are covered for up to S$2,000, and if you need to postpone your trip, you can claim up to S$1,500 for wasted tickets.

Additionally, you are also covered for up to S$300 per adult in unused entertainment tickets such as concerts and exhibitions. If you were planning to take a golf holiday, know that you can claim up to S$500 in unused green fees.

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Enjoy 40% off Single Trip and 20% off Annual Trip plans when you apply now. Valid till 28 July 2024. T&Cs apply. 

Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.

FWD – Premium


For an entry-level plan, FWD Premium offers higher benefits than most of its peers for travel cancellation, providing you with greater value for money.

You are protected for up to S$7,500 for unused flight tickets, hotel bookings and other non-refundable expenses if you are unable to proceed with your trip. Meanwhile, having to cut your trip short will entitle you to up to S$5,000 in benefits.

If your itinerary was disrupted during your trip, you can claim up to S$1,000. And if you need to postpone your trip, you can claim up to S$500 in benefits to pay for flight change fees and the like.

FWD also recently included a special add-on where you can claim up to S$6,000 for trip cancellations for any reason, making it ideal for travellers who may foresee any disruptions in their travel plans.

SingSaver's Exclusive FWD Promotion: Use the promo code TRAVEL25 to get a 25% discount on Single Trip and 20% discount on Annual Trip plans! Valid till 24 June 2024. T&Cs apply. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

Tiq Travel – Entry 


Sometimes, you just want to get away for the weekend, and don’t actually need that much trip or flight cancellation coverage. If so, Tiq Travel Entry might just fit the bill for a budget-friendly policy that still does the job.

This plan covers you for up to S$5,000 against travel cancellations, which should be more than enough for a short holiday in Malaysia or Thailand. You’ll also receive up to S$3,000 cover for trip curtailment, and S$500 if you have to delay your trip.

As for trip disruption resulting in itinerary changes, you are provided with up to S$3,000 in benefits. However, this is only applicable if the underlying reason is due to COVID-19 or a related cause.

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. Valid till 30 June 2024.

Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 30 June 2024.

Also receive a Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.

TM Explora Plus – Classic


Another plan with high coverage for travel cancellation is TM Explora Plus – Classic, which provides up to S$5,000 for trip cancellation and/or travel postponement. This is the highest coverage we’ve seen for the latter.

Trip curtailment is covered at an even higher limit of S$7,500, which is good if you’ve booked expensive accommodations. Itinerary changes and trip disruptions are also covered, for up to S$3,000.

This plan also comes with minor benefits for unused entertainment and loss of frequent flyer points; there’s an S$100 benefit included for these losses.

How to Choose the Best Travel Insurance Policy For Trip and Flight Cancellations?

Planning your dream holiday can be exhilarating, but unexpected events can throw a spanner in the works of your travel plans. This is where insurance with trip cancellation or curtailment coverage comes in. It acts as a financial safety net, protecting you if you need to cancel or cut your trip short due to unforeseen circumstances.

However, with a variety of options available, choosing the right policy can feel overwhelming. Let's explore some key factors to consider:

Align Coverage with Your Trip

The ideal policy seamlessly aligns with the specifics of your trip. Consider the duration, destination, and planned activities. For longer trips, high-risk destinations, or adventurous itineraries, more comprehensive coverage might be necessary.

Understanding Coverage Details

Ensure the policy covers common reasons for trip cancellation, such as illness, weather disruptions, natural disasters, or unforeseen events that might force you to cancel your trip. Additionally, consider coverage for trip interruption/curtailment, which protects you if you need to return home early due to covered reasons.

Considering Cancel for Any Reason Travel Insurance

Travel insurance with this kind of coverage is generally a 3-in-1 solution that offers broader protection, allowing you to cancel your trip for reasons typically covered in standard trip curtailment, trip cancellation or trip postponement policies.

While it typically comes at a higher cost, it can provide valuable peace of mind, especially for those with unpredictable schedules or risk-averse travellers. Carefully evaluate your needs and budget to see whether choosing the best Cancel for Any Reason insurance for your trip is worth it.

Finding the Right Balance for International Travel

When travelling internationally, comprehensive coverage becomes even more important. It’s best to look for travel insurance specifically designed for international travel that offers robust coverage for trip and flight cancellation as well as interruption, alongside medical expense coverage with high enough limits to address potential healthcare costs abroad.

Beware of Exclusions and Limitations

Most travel insurance will cover trip cancellation due to illness (with proper documentation), but some might exclude pre-existing medical conditions. Be sure to understand these exclusions and compare trip cancellation travel insurance for pre-existing conditions to avoid unexpected issues. Also, check with the provider for more details as each type of claim, such as cancellation, medical expenses, or baggage loss, has a maximum payout amount. Be aware of these limits to ensure the policy offers sufficient financial protection.

Check the Claim Procedures

Imagine needing to file a claim after a flight and trip cancellation or curtailment. Knowing the process beforehand can save you stress and ensure a smooth resolution. Look for a travel insurance provider with a clear and easy-to-follow claims procedure, which typically involves submitting documentation online or by phone. The best plans will outline the required documents and have a dedicated customer service team to guide you through the process.

Frequently Asked Questions About Travel Insurance with Trip and Flight Cancellation (FAQs)

1. Does travel insurance cover cancelled trips?

Yes, travel insurance policies cover cancelled trips. You can claim reimbursement for unused plane tickets, hotels and accommodation, entertainment tickets and attraction bookings that have been paid up and are non-refundable. 

The reason for cancellation must be a named cause or event that is specified in the policy wording. Some policies also offer Cancel for Any Reason benefits that allow you to claim your benefits when cancelling your trip for reasons not named in the policy. 

As conditions, limits, definitions and exclusions vary across plans and providers, it is crucial to consult your policy wording or insurer to obtain a clear and complete picture of your trip cancellation benefits.

2. What is the difference between travel insurance and trip cancellation insurance?

The vast majority of travel insurance plans include trip cancellation benefits by default, although limits and scope of coverage may vary. Travel insurance plans also include an array of other important and helpful benefits for travellers, including overseas medical expenses, emergency evacuation, loss of luggage and personal items, and flight delays and diversions. 

In contrast, travel cancellation insurance may only cover you when you need to cancel your trip. It may not offer any coverage for any other events or occurrences. 

Travellers should choose a full-featured travel insurance plan for more well-rounded protection and coverage before and during their trip. 

3. Which company’s travel insurance is best?

Travel insurance plans are available in a wide range of configurations, coverage levels and premiums, to cater to the varied needs of different travellers, who travel to different destinations and for different durations. 

Hence, there is no “overall best travel insurance plan”. Rather, it is important to pick a travel insurance plan that most closely suits your needs, destination and budget, as that will likely be the best travel insurance plan for your trip. 

4. Does travel insurance cover trip cancellation due to natural disasters?

Yes, travel insurance can cover trip cancellation due to natural disasters, but it depends on the specifics of your policy. Most trip and flight cancellation insurance will cover unforeseen natural disasters like earthquakes, typhoons, or volcanic eruptions, as long as they're listed as covered reasons for trip cancellation or curtailment in your policy wording. Be sure to review your policy wording or contact your travel insurance provider for clarification before purchase.

5. What does 'Cancel for Any Reason' coverage entail?

Cancel for Any Reason (CFAR) is an optional add-on that some travel insurance policies offer. It gives you the flexibility to cancel your trip for any reason, even if it's not a covered reason like illness or a natural disaster. This can provide peace of mind, but it's important to understand the limitations. CFAR coverage typically comes with restrictions. You might need to purchase it within a specific timeframe, often shortly after booking your trip. Additionally, reimbursement might only be a percentage of your trip cost, not the full amount.

6. How do I claim travel insurance for a cancelled trip?

The methods to make a claim for travel insurance with trip or flight cancellation will vary depending on your provider. If you encounter and have bought the respective travel insurance, here's a general guide:

  • Contact your travel insurance company as soon as possible after you know you need to cancel. This allows them to initiate the claim process efficiently.
  • Gather documentation to support your claim. This might include a cancellation notice from your travel provider or a doctor's note (if illness is the reason for cancellation).
  • Follow the claims process outlined by your insurer. This may involve submitting a claim form online, by mail, or over the phone.

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


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