.png)
.png)
%20(1).png){kind=logo}
 (1).png){kind=logo}
Deals here are amazing, may it be credit cards, travel insurance, or investment plans. Please continues to sync up with different partners to give us better deals.
Compare the Best Cancel For Any Reason Travel Insurance | Up to 70% OFF
Standard travel insurance only pays out for reasons on a fixed list. This cover lets you cancel your trip for any reason at all and still recover part of what you paid.
Refine Your Results
FEATURED OFFERS
We found 10 Insurance Plans for you!
Incl. Hiking ≤4000m | CFAR add-on* | +15% NSMen
.png)
S$43.40
S$86.8050% OFF
Total Premium
MoneySmart Exclusive
Get CASH or REWARDS:
• Up to $60 GrabGift vouchers
• OR up to $50 Cash via PayNow
• AND $30 Revolut cash reward
with eligible premiums spent. T&Cs apply.
[Singlife's Online Promos]
• Get 50% off with code TRAVEL50 on Single Trip Singlife Travel Insurance plans. Valid from 14 to 16 Nov 2026.
• Enjoy a FREE 1GB Global eSIM from Singlife with purchase of a Singlife Travel Insurance plan. T&Cs apply.
Valid till 30 Nov 2026
APPLY NOW for Singlife Travel Plus
on Singlife's secure site
Cancel for any reason included
%20(1).png){kind=logo}
S$24.20
S$4445% OFF
Total Premium
MoneySmart Exclusive
[Watch it ⌚ Hear it 🎵]
Score an Apple Watch SE 3 OR Apple AirPods Pro 3 when you're the first to submit a MoneySmart Claim Form at 20:00 SGT each week. T&Cs apply.
Insured? Get CASH!
• S$10 Cash via PayNow with a min. premium of S$100 spent.
• AND S$30 Revolut cash reward
with Great Eastern Travel Insurance premiums purchased.
T&Cs apply.
Enjoy 45% off on Single Trip premiums purchased.
Valid till 30 Nov 2026
APPLY NOW for Great Eastern GREAT TravelCare Gold
on Great Eastern's secure site
Incl. hiking ≤3000m + 3-hr delay & cruise cover
S$34.26
S$48.9430% OFF
Total Premium
MoneySmart Exclusive
[An Apple a Day 🍎]
Score the latest Apple Gadgets DAILY, such as Apple iPhone 18 Pro OR Apple Watch SE 3 OR Apple AirPods Pro 3 when you're the first to submit a MoneySmart Claim Form at 20:00 SGT and follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• Up to S$50 Grab Voucher
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible FWD Travel Plans purchased.
T&Cs apply.
Plus, enjoy 30% off (Single) and 25% off (Annual Travel) with code FWDHOLIDAY and get up to S$60 eCapitaVoucher on FWD Travel Insurance plans. Valid from 14 to 15 Nov 2026. T&Cs apply
Valid till 30 Nov 2026
APPLY NOW for FWD Business
on FWD's secure site
Incl. hiking ≤3000m + 3-hr delay & cruise cover
S$37.97
S$54.2430% OFF
Total Premium
MoneySmart Exclusive
[An Apple a Day 🍎]
Score the latest Apple Gadgets DAILY, such as Apple iPhone 18 Pro OR Apple Watch SE 3 OR Apple AirPods Pro 3 when you're the first to submit a MoneySmart Claim Form at 20:00 SGT and follow, like and comment on MoneySmart's Instagram. T&Cs apply.
Travel with REWARDS:
• Up to S$50 Grab Voucher
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
with eligible FWD Travel Plans purchased.
T&Cs apply.
Plus, enjoy 30% off (Single) and 25% off (Annual Travel) with code FWDHOLIDAY and get up to S$60 eCapitaVoucher on FWD Travel Insurance plans. Valid from 14 to 15 Nov 2026. T&Cs apply
Valid till 30 Nov 2026
APPLY NOW for FWD First
on FWD's secure site
Incl. Hiking ≤4000m | CFAR add-on* | +15% NSMen
S$60.84
S$121.6750% OFF
Total Premium
MoneySmart Exclusive
Get CASH or REWARDS:
• Up to $60 GrabGift vouchers
• OR up to $50 Cash via PayNow
• AND $30 Revolut cash reward
with eligible premiums spent. T&Cs apply.
[Singlife's Online Promos]
• Get 50% off with code TRAVEL50 on Single Trip Singlife Travel Insurance plans. Valid from 14 to 16 Nov 2026.
• Enjoy a FREE 1GB Global eSIM from Singlife with purchase of a Singlife Travel Insurance plan. T&Cs apply.
Valid till 30 Nov 2026
APPLY NOW for Singlife Travel Prestige
on Singlife's secure site
Post-departure purchase option available
S$45.35
S$100.7855% OFF
Total Premium
MoneySmart Exclusive
[Hello, New Phone?!📱]
Score the latest Apple iPhone 18 Pro (worth S$1,899) when you submit a MoneySmart Claim Form! T&Cs apply.
Extra REWARDS when Travelling:
Get a S$30 Revolut cash reward with Income Travel premiums purchased. T&Cs apply.
[Income's Online Promos]
• Get 55% off on Standard Per-trip travel plans.
• Get 15% off on PreX Per-trip travel plans.
• Enjoy a Miffy Digital Camera Keychain from Income when you spend a min. premium of S$100 for Standard and $150 for PreX plans!
Valid from 12 to 16 Nov 2026. 9:00AM. Ts&Cs apply.
Valid till 30 Nov 2026
APPLY NOW for INCOME Standard Preferred
on Income's secure site
Cancel for any reason included
S$32.45
S$5945% OFF
Total Premium
MoneySmart Exclusive
[Watch it ⌚ Hear it 🎵]
Score an Apple Watch SE 3 OR Apple AirPods Pro 3 when you're the first to submit a MoneySmart Claim Form at 20:00 SGT each week. T&Cs apply.
Insured? Get CASH!
• S$10 Cash via PayNow with a min. premium of S$100 spent.
• AND S$30 Revolut cash reward
with Great Eastern Travel Insurance premiums purchased.
T&Cs apply.
Enjoy 45% off on Single Trip premiums purchased.
Valid till 30 Nov 2026
APPLY NOW for Great Eastern GREAT TravelCare Platinum
on Great Eastern's secure site
Group plans enjoy up to 60% + 10%* off
S$37.25
S$74.5050% OFF
Total Premium
Group plans enjoy up to 60% + 10%* off
S$32.25
S$64.5050% OFF
Total Premium
Group plans enjoy up to 60% + 10%* off
S$22.25
S$44.5050% OFF
Total Premium
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Why Trust MoneySmart 💡
MoneySmart helps Singaporeans compare verified financial products side-by-side, so you find the best credit card, loan, insurance and other personal finance products for your needs—before you apply, not after. As an MAS-licensed platform with over 15 years in the market and a 4.4/5 Google rating from more than 2,000 reviews, we surface exclusive sign-up bonuses and deals you won't find by going directly to a provider—with faster gift fulfilment and flexible redemption on top.
Best Cancel for Any Reason (CFAR) Travel Insurance in Singapore
Cancel for Any Reason (CFAR) travel insurance lets you cancel, postpone or cut short a trip for reasons standard cover won't pay for, such as a work clash, a family change or a change of heart. This page compares CFAR options from FWD, Singlife, Great Eastern, Income and MSIG for Singapore travellers whose plans might change.
Key points to know:
- All five featured plans reimburse 50% of non-refundable trip costs, capped at between S$1,000 and S$7,500 according to respective limits
- Most insurers sell CFAR as an optional add-on, while Great Eastern GREAT TravelCare Gold and Income Standard Preferred build it into the plan
- Purchase windows range from 7 to 30 days after your first trip payment
- All five plans also pay out if you cut a trip short for any reason
Read on to compare plan limits, see how refunds are calculated, and check the exclusions and steps to buy before you book.
What Does CFAR Cover Versus Standard Travel Insurance?
Here's how CFAR compares with standard travel insurance:
Plan type | Eligibility window | Reimbursement ratio | Reasons covered | Typical exclusions |
Standard travel insurance | Any time before departure | Covered costs up to plan limit for named perils | Illness, accident, family death, job loss | Voluntary change of mind, non-listed perils, pandemics |
CFAR | Within 7–30 days of first trip payment (varies by insurer) | 50% of prepaid non-refundable costs | Any reason chosen by the traveller, including change of mind | Known risks at time of purchase, caps on loss |
CFAR Travel Insurance: Plan Comparison
Product | Eligibility window | CFAR payout and cap | Standard cancellation limit | Covid-19 cover |
Within 7 days of initial trip deposit; Single Trip plans only | 50% reimbursement; up to S$1,000 | Up to S$7,500 | ✅ Optional add-on | |
Within 14 days of initial trip payment or deposit | 50% reimbursement; up to S$5,000 | Up to S$15,000 | ✅ Optional add-on | |
Within 30 days of first trip payment or deposit | 50% reimbursement; up to S$3,000 per insured person | Up to S$10,000 | ❌ Not covered | |
Included in plan; buy policy more than 30 days before your trip CFAR claims for changes made within 30 days of buying policy will be excluded | 50% reimbursement, capped at the plan’s CFAR benefit limit | Up to S$15,000 | ✅ Included in standalone plan | |
Within 14 days of first booking; Single return trip policies only | 50% reimbursement; up to S$2,000 | Up to S$8,000 | ✅ Optional add-on |
FWD Premium requires you to add CFAR within 7 days, Singlife and MSIG give you 14 days, and Great Eastern offers the longest fixed window at 30 days. Income suits travellers who buy insurance well after booking, as long as they buy it more than 30 days before making any changes.
How refund amounts are calculated
Refunds are capped as both a percentage and a dollar amount, so very expensive trips are never fully reimbursed. If you book a $4,000 tour and cancel early under a plan that reimburses 50% up to S$7,500 (such as Singlife Travel Plus), you’d expect S$2,000 back (50% of $4,000).
Eligibility, Exclusions & Claim Pitfalls
Singapore’s CFAR insurance comes with strict requirements and easy-to-miss exclusions:
Criteria | Details |
Eligible costs | Only prepaid, non-refundable trip costs (flights, hotels, tours); insurers deduct any refund you get from the provider |
Who can buy | Singapore citizens, PRs, or employment pass holders |
Timing of cancellation | Cancellation cover doesn’t apply once your trip has started (though the featured plans also pay for cutting a trip short for any reason) |
Known events | Not covered for events or risks known at the point of policy purchase, such as an ongoing pandemic or political unrest |
Most common pitfalls include:
- Missing the CFAR eligibility window. Once the purchase window closes, you won’t CFAR cover for that trip.
- Failing to prove your costs being genuinely non-refundable without receipts (or letters) may result in rejected claims.
Who Should Consider CFAR Travel Insurance?
✅ Purchase CFAR coverage | ❌ Skip CFAR coverage |
|
|
How to Buy CFAR Travel Insurance in Singapore: Step-by-Step Guide
Timing matters most when buying CFAR:
Step | Action | Details |
1 | Book your trip | Confirm your travel plans and make your first booking or trip deposit. |
2 | Compare plans | Compare travel insurance plans on MoneySmart and shortlist policies from FWD, Singlife, Income, Great Eastern, and MSIG, focusing on those clearly listing “Cancel for Any Reason” as an option. |
3 | Add CFAR in time | Click “Apply Now” on your chosen base plan and add the CFAR upgrade at purchase, within your insurer’s eligibility window. If already included in the standalone plan, proceed as normal. Applying through MoneySmart keeps you eligible for MoneySmart-exclusive rewards. |
4 | Prepare your details | Have your NRIC, passport, or work pass details handy, plus preferred credit / debit card. |
5 | Complete the purchase | Pay the total (base policy + CFAR add-on) and download the policy confirmation. |
6 | Keep your records | Save all digital receipts, emails, booking confirmations and the full policy wording. You may need them for claims. |
7 | Claim if needed | Lodge your cancellation before departure and gather evidence that costs are non-refundable. |
How to Claim CFAR Travel Insurance in Singapore?
Each major insurer has a direct line or digital portal for claims and questions about CFAR travel insurance:
Product | Claims and support |
FWD Premium | Submit via the FWD SG app or FWD’s online claims portal within 30 days; 24/7 emergency assistance at +65 6322 2072 |
Singlife Travel Plus | Submit online via Singlife’s claims portal within 30 days; approved claims paid via PayNow within 3 business days |
Great Eastern TravelCare Gold | Submit via Great Eastern’s online travel claim portal within 30 days; customer service at 6248 2888 |
Income Standard Preferred | Submit via Income’s digital travel claims portal; enquiries at 6788 1777 |
MSIG TravelEasy Standard Flex | Submit online via MSIG’s claims portal within 30 days; payouts via FAST or PayNow; claims hotline +65 6827 7660 |
What our customers say about MoneySmart Travel Insurance Applications
4.4 rating of 2116 reviews
Having using another competitor’s platform with same credit card promotions and travel insurance… I can firmly say MoneySmart is a much better choice with top notch customer service. Their reply is fast, responsive. Not only that, if they are unsure, they give you a call with email follow up. This is what I call seamless customer experience. Moneysmart’s portal may not be perfect, I will still go to this platform. Tks!!
MoneySmart sells genuine products at good prices. I got my travel insurance through them and even won an AirTag, super happy with the deal!
Sorted out my rewards issue over a travel insurance I purchased on their platform. Dayang of Customer Service unfailingly responded promptly and clearly my questions through a series of emails. Thanks so much!
I had a typo unknowingly during the purchase of my travel insurance and MoneySmart responded within a working day after I sent in my request for assistance and it was resolved in 3 days’ time! Ms Kama who assisted me was pleasant and responsive.
Had been using money smart to buy my travel insurance. Many brands can be found. It’s fast and easy to apply. Some plans are entitled to cash reward and you will get it if you are eligible. It’s a good platform to use for comparing different products and values.
Travel often and will purchase travel insurance from moneysmart. Great gift like free esim or ichangi rewards. Will be great if able to redeem free esim for same account
A must stop before any insurance purchase. I used Moneysmart for all my travel insurance whenever I need. The web provide comparison and all benefits bird eye view.
A very useful platform for comparing credit card benefits and rewards. It's also great for purchasing travel insurance. The rewards are highly attractive and delivered promptly. Well done, I love it!
Enjoy using MoneySmart. It is easy and quick to use. They have great promotions on credit cards, insurance, etc. Love the comparison tool as it shows the best value from different companies and it is efficient way for me to compare. I use it a lot, especially for travel insurance. Great money and finance related tips and tricks.
Ready to Get Covered For Your Next Trip?
Plans change, your cover should keep up. Compare travel insurance plans on MoneySmart and lock in CFAR cover before your purchase window closes.
FAQs About CFAR Travel Insurance
Which Singapore travel insurance plans offer CFAR?
FWD Premium, Singlife Travel Plus and MSIG TravelEasy Standard Flex offer CFAR as an optional add-on, while Great Eastern GREAT TravelCare Gold and Income Standard Preferred include it in the plan.
Can I buy CFAR travel insurance after I make the first trip payment or booking?
Yes, but only within the insurer’s specified window:
- FWD Premium: 7 days
- MSIG TravelEasy Standard Flex and Singlife Travel Plus: 14 days
- Great Eastern GREAT TravelCare Gold: 30 days
- Income Standard Preferred: No deadline after booking, but you must buy the policy more than 30 days before your trip, as claims for changes made within 30 days of buying are excluded
Is CFAR travel insurance available for one-way tickets or last-minute trips?
CFAR can still work for trips booked at short notice if purchased right after booking, except for Income’s CFAR which won’t cover trips departing within 30 days of policy purchase. Do note of other policy caveats such as:
- MSIG CFAR applies to single return trips only
- FWD CFAR only covers trips that end back in Singapore
- Great Eastern only sells CFAR coverage for one-way policies
- Income offers one-way CFAR cover on a case-by-case basis
How much of my trip cost does CFAR actually reimburse?
CFAR reimburses 50% of your non-refundable, prepaid trip costs on all featured Singapore plans, up to these cancellation caps:
- Singlife Travel Plus: S$5,000
- Great Eastern GREAT TravelCare Gold: S$3,000
- MSIG TravelEasy Standard Flex: S$2,000
- FWD Premium: S$1,000 Even with high trip costs, reimbursement will not exceed your policy’s ceiling.
Does CFAR insurance in Singapore cover cancellation due to Covid-19 fears?
Usually not. Income, MSIG and FWD all exclude CFAR claims linked to declared epidemics or pandemics, so check your policy’s exclusions before relying on CFAR for pandemic-related cancellations. For more, see our guide to COVID-19 travel insurance coverage.
What documentation is needed for a CFAR claim, even for a non-standard reason?
You must provide evidence that your costs are non-refundable. This includes payment receipts, booking confirmations, and sometimes letters from airlines, hotels, or tour operators stating no refund is available. Insurers will not process claims without these proofs.