Best Travel Insurance For Flight Cancellation – What Am I Covered For?
What Are Excluded In Travel Insurance With Flight Cancellation Coverage?
Travel against prohibitions/acts/travel alerts/bulletins by any government or public authority which include thermal, biological, and nuclear pollution contamination, civil disorder or unrest, closure of a border, declared or undeclared acts of war, etc.
Travel involving illegal activities like trafficking of drugs, manslaughter or other types of crimes which results in a conviction
Any type of sports played in a professional or competitive capacity such as big wave surfing, winter activities like luging, bobsleighing, skiing, snowboarding, cliff jumping, etc.
Travel when medically unfit and advised against travel by a medical professional
Travel with mental disorders
Injury of loss due to alcohol or drugs when travelling.
We asked Singaporeans about flight disruptions, and they answered.
Best Travel Insurance With Coverage For Flight Cancellation
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Tiq Savvy
- Med. Coverage (Overseas)
- S$500,000
- Travel Cancelation
- S$5,000
- Loss/Damage of Baggage
- S$2,000
- Total Premium Total Premium
S$62.5055% Off - S$28.12
Grab your REWARDS:
• Up to S$20 GrabGift vouchers
• OR up to S$10 Cash via PayNow
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent.
T&Cs apply.
[Tiq's Online Promos]
• Enjoy 55% off (Single Trip) and 30% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid till 31 Oct 2026.
• MoneySmart Exclusive:Get a $10 Tiq Travel Voucher when you spend a min. premium of S$50. T&Cs apply.
• New to Tiq? New customers get an extra S$30 off with code FREETRAVEL. Valid till 28 Dec 2026. T&Cs apply.
[Tiq Travel Pass Rewards]
Enjoy free eSIMs up to 5GB, up to $60 transport vouchers, no claim cashback & more with Travel Pass, the first-in-market travel insurance rewards programme.
MSIG TravelEasy Elite
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total Premium Total Premium
S$83.5060% Off - S$33.40
Travel with REWARDS:
• S$50 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MoneySmart Promos]
• Get 60% off (Single Trip) and 25% off (Annual Plan) on TravelEasy policy premiums. Valid from 12 to 15 Oct 2026.
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM from MSIG.
T&Cs apply.
FWD Business
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total Premium Total Premium
S$48.9440% Off - S$29.36
[Be REWARDED when you TRAVEL]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 30% off (Single Trip) and 25% off (Annual Travel) with code FWDHOLIDAY on FWD Travel Insurance plans. Valid from 13 to 14 Oct 2026. T&Cs apply
Plus, get up to S$60 eCapitaVouchers from FWD with premiums purchased. T&Cs apply.
Starr TraveLead Comprehensive Bronze
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$46.3355% Off - S$20.85
Travel with TECH 🛍️
Enjoy up to 65% off policy premiums & choose your rewards:
• Sennheiser Accentum Open Wireless Earbuds (worth S$199)
• OR up to S$100 GrabGift Vouchers
• OR up to S$68 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
INCOME Standard Classic
- Med. Coverage (Overseas)
- S$350,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$59.6050% Off - S$29.80
[Score the Latest Tech & more 🎶]
Score SmartPoints to get Apple AirPods 5 (worth S$199) when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily. 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 50% off on Standard Per-trip travel plans.
• Get 15% off on PreX Per-trip travel plans.
Valid from 9 to 13 Oct 2026. 9:00AM. Ts&Cs apply.
Don't let flight cancellations ruin your trip. Get travel insurance coverage today!
Common Situations Valid For Flight Cancellation Claims
While flight cancellation claim benefits differ from insurer to insurer, there are some widely accepted reasons that would be covered by most travel insurance companies. Death or serious illness/injury (happen to you, your spouse, child or travelling companion) is among the most widely accepted reasons for flight cancellation claims, which all insurers will cover.
Other commonly accepted reasons which you or your travel companion can claim for include:
- Unexpected “flare-up” of a pre-existing medical condition right before your trip or during your trip
- Flight cancellation by the airline due to adverse weather conditions
- Flight cancellation by the airline due to closure of airways, airports or runways
- Residential home damaged by a fire, storm, flood or other natural disasters
- Called to be a witness in court during your travel dates
Best Travel Insurance With Flight Cancellation Coverage Benefits
Best For | Travel insurance plan | Estimated premium rate* |
|---|---|---|
Best For Highest trip cancellation coverage limit | Travel insurance plan Singlife Travel Lite, Singlife Travel Plus and Singlife Travel Prestige plans | Estimated premium rate* $31 - $60 |
Best For Overall good value | Travel insurance plan | Estimated premium rate* $24 - $39 |
Best For Trip cancellation due to pre-existing conditions | Travel insurance plan MSIG TravelEasy® Standard Pre-Ex, Elite Pre-Ex, Premier Pre-Ex plans | Estimated premium rate* $38 - $68 |
Best For Family | Travel insurance plan | Estimated premium rate* From $66 |
What Is The Average Cost Of A Travel Insurance With Coverage For Flight Cancellation?
| Travel insurance provider | Medical expenses | Personal accident | Overseas hospital allowance | Trip cancellation | Estimated total premium* |
|---|---|---|---|---|---|
| Travel insurance providerSinglife | Medical expenses Unlimited | Personal accidentUp to $500,000 | Overseas hospital allowance$200 per day | Trip cancellationUp to $20,000 | Estimated total premium*$31 |
| Travel insurance providerStarr | Medical expenses Up to $1,000,000 | Personal accidentUp to $500,000 | Overseas hospital allowance$200 per day | Trip cancellationUp to $15,000 | Estimated total premium*$24 |
| Travel insurance providerMSIG | Medical expenses Up to $1,000,000 | Personal accidentUp to $150,000 | Overseas hospital allowance$300 per day | Trip cancellationUp to $5,000 | Estimated total premium*$38 |
| Travel insurance providerFWD | Medical expenses Up to $1,000,000 | Personal accidentUp to $1,000,000 | Overseas hospital allowance$200 per day | Trip cancellationUp to $5,000 | Estimated total premium*$17 |
Average Cost Of A Travel Insurance Plan With Flight Cancellation Coverage
*Estimated premium rates are based on a 5D4N single trip plan to a country in Asia.
Looking at the key features and price points of MoneySmart’s round-up of the best 5 travel insurance plans with flight cancellation coverage, we can do a quick comparison of the differences and similarities. The average cost of a travel insurance plan with flight cancellation coverage for a 5D4N trip to somewhere in Asia is about $27, assuming that we take the most basic plan offered by each travel insurance provider.
Estimated average cost of a travel insurance plan:
$31 + $24 + $21 + $38 + $17 = $131
$131 ÷ 5 = $26.20
Singlife, Starr and FWD provide higher coverage of up to $20,000 and $15,000 respectively, for trip cancellation in the situation you’re diagnosed with COVID-19.
For more extensive coverage for medical expenses in the event that you or your travel companion gets diagnosed with COVID-19 or meet with any medical-related mishaps during the trip, Singlife’s Prestige plan will be really useful with the highest coverage of an unlimited claim limit among the 5 plans.
Frequently Asked Questions
I have purchased travel insurance but my trip is cancelled. Will I be able to get a refund?
- Yes and no, this depends on when you submit your trip cancellation request and the departure date of your trip. Most travel insurance companies will accept your claim if your request and the valid reason for cancellation is submitted within 30 days of your departure.
If I need to cancel my trip due to the closure of a border (as announced by a particular overseas government) en route to your originally planned journey, can I make a claim?
- No. Most travel insurance companies do not cover travel against prohibitions/acts/travel alerts/bulletins by any government or public authority which include closure of a border.
Should I buy travel insurance with COVID-19 coverage?
Yes, given that the recent pandemic situation is not entirely over, it is still recommended for most places that you’re travelling to. Although most countries have removed their COVID-19 related entry restrictions tourists visiting, there are still countries with stricter restrictions put in place. It is mandatory to get travel and health insurance coverage before you enter some countries.
Note that each country has its own prevailing entry requirements and in the situation you require medical assistance during your vacation or business trip, healthcare expenses can get very costly, unlike those in your home country as overseas medical expenses are usually not subsidised by the government.
Do travel insurance plans cover COVID-19 tests?
Yes and no. Certain insurers like MSIG that offer free PCR test coverage for some of their plans i.e. Annual Trip plans, while those like NTUC Income travel insurance offer COVID-19 (PCR) swab tests at a certain price along with a series of other types of pre-departure tests.
However, there are also insurers like AXA and AIG who do not cover expenses incurred for mandatory COVID-19 diagnostic tests or any pre-departure or post-departure testing.
How can I compare and get COVID-19 coverage for my travel insurance?
- You may get COVID-19 coverage for your travel insurance either through your preferred travel insurance mobile app, website or insurance agent. As for the comparison process, you can choose to do it yourself via a comparison platform like Moneysmartor through the recommendations of your insurance agent.
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