MoneySmart Financial is an Exempt Financial Adviser and Registered Insurance Broker licensed by Monetary Authority of Singapore ("MAS").

Does annual travel insurance in Singapore cover cancel for any reason?

kesavan-profile-picture-150x150
Written By:
Kesavan Loganathan
| Updated May 06, 2026
0
1 Min Read
Part 21 of 26 from article series: Travel Insurance General →
Masthead
Part of the SeriesTravel Insurance 101

Annual travel insurance plans in Singapore generally do not include Cancel For Any Reason (CFAR) as a standard feature. 

This flexible coverage, which allows for trip cancellation for reasons outside the usual set of covered events (like unexpected work issues or simply a change of heart), is typically offered as an add-on only to single-trip insurance plans. 

For annual (multi-trip) policies, CFAR availability remains limited: only a handful of insurers provide it for their higher-tier packages, and most providers do not include it at all.


Key providers and CFAR availability (2026)

Singlife

Travel Plus

Travel Prestige

Higher-tier Travel Plus and Travel Prestige annual plans offer CFAR

These reimburse around 50%–60% of non-refundable costs for cancellations beyond insured events (i.e., not limited to family emergencies or illness)

HSBC (TravelSure)

The Advanced Plan includes a CFAR benefit of up to $6,000

This is usually restricted to certain plan levels

FWD

FWD Travel Insurance

Offers CFAR as an add-on, but current indications are this is available

Only for single-trip policies, not for annual multi-trip plans

MSIG (TravelEasy Flex)

MSIG TravelEasy Flex

CFAR is offered as an optional add-on, but only for single-trip plans

Annual policies do not currently come with this feature

Great Eastern

Great Eastern GREAT TravelCare

Certain plans cover partial CFAR (about 50%) if you buy the policy within 30 days of making the first trip deposit 

More common for single-trip cover


Important restrictions

  • Strict purchase window: To qualify for CFAR, you normally need to buy the policy (or if annual, register the specific trip for CFAR) within 7–14 days of your initial trip deposit.

  • Partial reimbursement: CFAR typically covers only 50%–75% of your non-refundable expenses, even if you qualify.

  • Maximum payout limits: CFAR claims are capped—commonly $1,500–$7,500 per trip, depending on provider and plan.

  • Different from standard cancellation: Standard cancellation covers only specified insured events (such as illness, bereavement, or natural disaster), while CFAR applies to non-listed and discretionary reasons.



Was this article useful?
0 person found this useful

Part of the SeriesTravel Insurance 101

kesavan-profile-picture-150x150
Written By:Kesavan LoganathanSenior Copywriter
Having been writing for a little over 10 years, KC has flexed his pen (or keyboard) in a variety of industries—think automotive, fitness, entertainment, and finance. He’s ultimately on a mission to prove that any topic, no matter how serious, can be made fun. Off-duty? It’s all about food, drinks, parties, and gaming marathons.