MSIG Trip Interruption Cover

Shortening the trip

We will pay the following for shortening the trip:
a) the unused travel fare, accommodation charges and deposits the insured person has paid or payments for the original scheduled journey which the insured person legally has to pay and which cannot be recovered from any other source; and/or
b) the reasonable additional travel expenses which need to be paid for the insured person

if the journey is unexpectedly and unavoidably cut short or abandoned after it begins, whilst overseas, resulting in the insured person having to make a direct trip home due to any of the applicable covered reasons which take place during the journey.

Travel disruption

We will pay for the reasonable additional travel expenses incurred by the insured person to make changes to continue with the original scheduled journey, if their trip is unexpectedly and unavoidably disrupted after it begins, whilst overseas, due to any of the applicable covered reasons.

Covered reasons	Shortening the trip	Travel disruption
1. Death, serious injury or serious illness of the insured person or their family member or travel companion. We must receive written confirmation of the nature of the serious injury or serious illness from a doctor.	Covered	Covered
2. The insured person or their travel companion being called as a witness in a court of law in Singapore.	Covered	Not covered
3. The insured person’s home or place of business in Singapore becoming uninhabitable or being seriously damaged following a fire or flood which means the insured person has to return to Singapore.	Covered	Not covered
4. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the insured person from continuing the scheduled journey.	Covered	Covered
5. Natural disasters which happen at the planned overseas destination which prevent the insured person from continuing the scheduled journey.	Covered	Covered
6. Closing of airport or airspace that prevents the insured person from continuing with the scheduled journey.	Covered	Covered
7. Hijacking of the aircraft in which the insured person is on board as a passenger.	Covered	Not covered
8. The insured person is denied boarding of the public transport by the local authority or transport provider due to infectious disease symptoms	Covered	Covered
9. Fire at the accommodation booked by the insured person and the accommodation provider is unable to provide the stay.	Not covered	Covered