Hi ,

Travel is all about creating beautiful memories, but unexpected situations can turn plans upside down.

Recently, I helped a retiree couple claim over $6,000 in non-refundable travel expenses when they had to cancel their trip due to a family emergency. It was a big relief for them, knowing their travel insurance had their back.

Here’s the truth: not all travel insurance policies are created equal. Many people miss critical details like what counts as a “covered event” or the documents needed for claims.

Did you know trip cancellation claims work like this?

i) Coverage only applies if you cancel your trip entirely.

If you postpone your trip to a later date, this section will not provide coverage.

ii) The cancellation must be due to a specific event outlined in the policy.

Common covered events include serious illness or accidents involving you, your traveling companion, or close family members, as well as unexpected situations like strikes, riots, or civil commotions.

It’s important to note that the event must be unexpected.

For instance, if a doctor has already advised that a family member has only 6–12 months to live, this would not qualify as “unexpected,” and some insurers are strict on this point. That’s why it’s best to compare travel insurance policies beyond just premiums.

iii) Timing matters.

Most policies require that the event leading to cancellation occurs within a specific time frame, often 30 days before your departure date.

Having the right travel insurance can make all the difference.

Planning your next trip?

Reply to this email or give me a call to explore how I can help you choose the right travel insurance to protect your plans!

Best Regards,

Zest Chia

Executive Wealth Consultant | Associate Estate Planning Practitioner |

Licensed General Insurance Advisory

DISCLAIMER;

This message contains privileged and confidential information from Infinity Financial Advisory Pte Ltd. If you are not the intended recipient of this electronic message, please do not disseminate, copy or take any action in reliance on it. We request you notify us immediately before deleting this message. Any views expressed in this message or attachment/s are those of the individual sender and are not necessarily the views of the company. Infinity Financial Advisory Pte Ltd uses virus scanning software and while due care and attention is taken; the company excludes all liability for any loss or damage caused whether directly or indirectly by any computer virus or other defects transmitted with any email and any attachment(s), to the extent permitted by law. It is sent on the strict condition that the user carries out and relies on its own procedures for ensuring that its use will not interfere with the recipient's systems including but not limited to scanning this email and any attachment(s) for viruses and defects before opening or sending them on. The recipient assumes all risk of use and releases the sender from all responsibility and liability for any direct or indirect consequence of use.