Joanna I believe that they wont cover PRE hotels and air as you got to use those, you used the air and the hotel and I understand that you would not have done those things if you knew the cruise would be cancelled but this is how the insurance company looks at things. YOU USED and got the benefit of those pre expenses. Not me saying this, I understand your point of view but I am not the insurance company.

Any reasonable and necessary expenses you have AFTER the event of cancellation of the cruise would be covered. Not sure if they will cover you flying to Singapore as a replacement vacation this you would just have to file a claim and see what happened. POST would be covered for what they deem necessary and that is open to the interpretation of the insurance adjuster.