7 Top Travel Mistakes Singaporeans Make (and How to Avoid Them)

Updated: 15 Sept 2026

Travel mistakes can range from being a mere inconvenience to downright costly. Here are seven top travel mistakes to watch out for when planning your getaways.

SingSaver Team

Written bySingSaver Team

Team

Common travel mistakes can turn a budget trip into an expensive one — often without you realising it until the bill arrives. From booking flights at the wrong time to skimping on travel insurance, these are the travel mistakes Singaporeans make most often, and exactly how to avoid them.

The anticipation is intoxicating, but in the excitement of giddily putting together your travel plans, don’t fall prey to these seven common travel mistakes, lest you end up racking up a credit card bill capable of burning a hole right through your bank account.

Common Travel Mistakes at a Glance

Q: What are the most common travel mistakes Singaporeans make?
A: Buying the cheapest travel insurance without checking coverage, booking flights at the wrong time, overpacking, skipping hotel reviews, and avoiding lower-star hotels out of habit.

Q: How can I avoid travel mistakes when booking flights?
A: Book international flights 31–45 days before departure and domestic/regional economy fares 15–30 days out — waiting until the last month or booking 6+ months ahead both tend to cost more.

Q: What travel mistakes should I avoid with money and cards?
A: Don't travel with only credit cards — carry a debit card or fee-free multi-currency card, since credit card ATM withdrawals overseas are treated as cash advances with high fees.

Q: Are 3-star hotels a mistake to avoid or a smart choice?
A: Star rating reflects amenities, not guest satisfaction — a well-reviewed 3-star hotel can beat a 4-star one at a lower price. Check review substance, not just star count.

1. Buying the wrong travel insurance plan

One of the most common travel mistakes is choosing the cheapest travel insurance plan without checking what it actually covers. Cheaper tiers often cut overseas medical coverage, trip cancellation limits, or exclude adventure activities — gaps you only discover when you try to claim.

Understand that the cheapest tiers of travel insurance plans may not offer the full range of benefits and coverage, which means it’s risky to make your decision based on the marketing copy itself.

Instead, be sure to take your time to search for a travel plan that suits your needs and your budget; yes, it’ll take some time and effort due to the plethora of travel plans out there, but it’ll be well worth your while.

 

Before You Compare

01

Check overseas medical coverage limits

Cheap plans can cap this well below what a hospitalisation abroad actually costs.

02

Check trip cancellation and baggage limits

Confirm the payout matches your actual trip cost and luggage value.

03

Check adventure activity coverage

Skiing, diving, or trekking often need an add-on — don't assume it's included.

Travel Insurance Plans Worth Comparing

Up to S$95 in rewards
Singlife Travel Prestige

Singlife Travel Prestige

Unlimited

Up to S$45 in rewards
GREAT TravelCare - Platinum

GREAT TravelCare - Platinum

S$1000000

2. Waiting too long to buy plane tickets

You may be tempted to hold off on buying your plane tickets for a chance to score some last-minute flash deals, but you’re more likely to be faced with higher prices instead.

Plane ticket prices are more likely to increase towards the last 28 days before departure, according to data from Expedia.

But you don’t want to buy your ticket too early either; while flights go on sale up to 12 months before departure, prices are likely to be elevated right out of the gate, before slowly trending downwards.

Booking too close to departure isn't the only mistake — booking too early can cost you too. Expedia's 2026 Air Hacks report found domestic and short-haul economy fares are typically cheapest 15 to 30 days before departure, while international fares are cheapest 31 to 45 days out — tickets bought 6 months or more ahead are often more expensive, not safer.

Fridays are now also the cheapest day to book, per the same report — 14% cheaper than booking on a Sunday for domestic routes, 8% cheaper for international.

If you can't commit to a date within that window, look for tickets with a flexible change or refund policy instead of booking far in advance "just in case."

3. Packing too much

Overpacking makes you pay more in luggage fees. Also, if your luggage goes missing, you’ll end up losing more of your belongings.

Plus, you’ll have less space in your bags to bring home snacks and souvenirs, and you may end up buying a new luggage case to bring home all your shopping.

Stave off the temptation to pack too much by asking yourself this question: “If I really need to use this on my trip, can I buy it from a shop?” Chances are, unless you’re going on a trek to the Arctic or the Gobi Desert, the answer is almost always  “yes”.

Besides, the chance of you actually needing that fourth pair of pants during your trip is even slimmer than you think.

4. Packing the wrong things in your carry-on bag

Checking in all your luggage certainly makes it easier when getting off the plane and getting to customs. However, if your checked bags become delayed or lost, you’ll be left in limbo.

That’s why it’s important to pack the right things in your carry-on bag. Namely, you should pack items that can see you through for the first day or two of your trip. That way, you will be able to wait to see if missing luggage eventually turns up, instead of having to spend immediately on clothes and other necessities.

You should also store your travel documents, laptop or tablet, and other important or high-value items in your carry-on bag, so you’ll always have them with you.

5. Not bringing your ATM or debit card

Overseas trips are awesome opportunities to supercharge your air miles earn rate, but having just your credit cards isn’t ideal when you find yourself needing cash overseas.

This is because credit cards charge hefty fees when withdrawing cash from an ATM, as they are typically regarded as cash advances.

Instead, using your ATM or debit card to withdraw the cash you need will cost less, but you’ll need to look for a compatible ATM with logos that match the ones on your card.

And while we’re on the subject, try to plan ahead when withdrawing cash from an ATM. This is because each withdrawal will incur a flat fee, and which means the more times you withdraw, the more fees you pay.

It’s ok to withdraw more than you need – you can always keep the remaining cash for your next trip! If you'd rather not carry a physical debit card just for overseas ATM use, a fee-free multi-currency account can achieve the same thing with lower FX costs on top.


>> Learn more: Best Multi-Currency Savings Accounts in Singapore

6. Not reading hotel reviews

When searching for your hotel accommodations, don’t just take the overall rating you see on Google or your booking platform at face value. That is an aggregated score that doesn’t tell you the full picture.

Instead, go through customer reviews in detail, especially the 1-star ones, as these will alert you to what other guests found objectionable. Some issues, such as rude staff or unresponsive housekeeping, may be more tolerable than, say, poor soundproofing, bad smells, or even flat pillows.

Repeated complaints will indicate persistent problems, which you may encounter during your stay. Hence, take heed if you spot a pattern of common complaints, and weigh carefully if that is something you’ll be able to deal with.

Otherwise, you may find yourself having to book another hotel partway through your trip. Not only will you not get a refund, you will also have to pay inflated prices for a last-minute booking (hotels do this because they know you have no choice).

7. Passing over 3-star hotels

Your Pavlovian response of avoiding anything with less than 4 stars may be causing you to unknowingly spend more on your travels.

Hotels are assigned a certain number of stars based on the range of amenities and services they provide. This ranges from 1-star for a basic bed-and-breakfast property, to 5-stars for a luxury hotel with all the works.

Unlike the ratings you see on Google or Yelp, the hotel star system has nothing to do with customer rating. Staying at a 3-star boutique hotel isn’t necessarily inferior to a 4-star business hotel or a 5-star international franchise.

This is important because going down a star from 5-star to 4 can save you an average of 45% in accommodation, while going from 4 to 3 can slash your hotel expenses by up to 30%, according to Expedia.

How to Avoid Travel Mistakes Based on Your Trip

"I book a regional trip 2+ months in advance"

You're early — wait until 31–45 days out for the best international fare

"I book with less than 2 weeks to departure"
"I'm planning an adventure trip (diving, skiing)"
"I'm travelling to a country with high healthcare costs"
"I only choose between a 3-star and 4-star hotel"

About the author

SingSaver Team

SingSaver Team

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.