That's a damn compelling Singapore-based travel insurance product for SGD58 that seemingly, in Section 16, would pay SGD20,000 in "additional travel and accommodation expenses resulting from a Specified Cause" like "the Insured Person dying or becoming ill or sustaining Bodily Injury rendering the Insured Person unfit to travel in the opinion of a Physician" under a Superior plan for a week's trip in Australia. The premium quote doesn't ask you to specify the trip cost/value and the benefit amounts are standardized. The real concern is the contractual silence on any limits in spending the SGD20,000 benefit for a covered Travel Curtailment loss. If you need a few days to recover from your "toothache" (that caused a QR-hired doctor to deem you unfit for travel), will you convalesce at the nearby Aman, then travel home in the Etihad residence, and start the fight of your life to procure reimbursement?

For comparison, a US-based travel insurance product like this found here for a $10,000 week trip to Australia costs a $398 premium and limits the return air benefit to $500. Want more than $500 return air benefit? A $1000 return air benefit would cost a $793 premium. Both policies allow return air in the same class of service as originally booked, which seemingly would apply to award ticket as well. Anyway, these kind of premiums and benefits are suitable only for a crazy person.