Imagine you’re strolling through Singapore’s Gardens by the Bay, admiring the beautiful displays and you get a call from your neighbor bringing news of a fire that destroyed your home. Trip Interruption Insurance: Bye-Bye Gardens by the Bay Be sure to read your policy to understand your time parameters. One thing to keep in mind: Most travel insurance plans have a waiting period of three to 12 hours before benefits kick in. “If your flight or other mode of transportation gets delayed, you may be stranded in the city-state overnight.” Your travel delay coverage could reimburse you for hotels and meals if you need to wait things out to catch your rescheduled flight, she says. Similarly, “If you’re transiting through Singapore on a longer trip to Asia, trip delay could be an essential component of your travel insurance plan,” says Lisa Cheng, a spokesperson with World Nomads, a travel insurance company. So, if your delay causes you to miss pre-paid private transport or a sunset dinner cruise, you can file a claim to recoup these losses. Your trip delay benefits can also cover any trip expenses you had to forfeit due to your late arrival in Singapore if your delay was caused by a problem listed in your policy.
You’ll need to present them when you file your claim. Just be sure to hold on to all your receipts. This coverage can reimburse you for a hotel stay, a taxi to the hotel, meals and some toiletries to tide you over until your new flight. So trip delay insurance could prove valuable, especially given how frequent flight delays and cancellations have become.įor example, if you are flying from Chicago to Singapore and your connecting flight in Istanbul is delayed for 18 hours, trip delay insurance can help. Visiting Singapore will likely involve connecting flights. Trip Delay Insurance: Jewel Changi Airport Awaits But, if you do cancel and meet all the requirements outlined in your policy, you can generally recover 75% of your non-refundable and pre-paid outlays.
Expect the price of your travel insurance plan to increase by about 50%. This optional coverage allows you to cancel your trip for any reason, as long as you do so no later than 48 hours prior to your scheduled departure. If you want the flexibility to cancel your trip for any reason and receive some insurance reimbursement, consider adding “cancel for any reason” coverage. For example, if your daughter’s piano recital was rescheduled and now conflicts with your vacation, trip cancellation coverage won’t be of much help. Not all reasons to cancel your trip will be reimbursed by your standard travel insurance plan. Strike, weather event or natural disaster that cancels booked travel services.Injury or illness to you, a travel companion or a close family member.Death of a travel companion or immediate family member.
Most standard travel insurance plans will reimburse you for pre-paid, non-refundable costs if you cancel your trip for one of the following reasons: “Having trip cancellation coverage may provide benefits for non-refundable trip costs, such as the air tickets, hotels/resorts cost, tours, etc., if you must cancel your trip for a covered reason,” says Scott Adamski, a spokesperson with AIG Travel. Trip cancellation insurance provides financial protection in the event that you have to cancel your trip to the Lion City.
Find Policies Now Trip Cancellation Insurance: No Singapore Street Eats