Why Trust MoneySmart?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 | 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
| 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) | 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 | 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.
