Travel Insurance Woes.

Your Very Tricky Travel Insurance. My blood pressure just shoot up to boiling point after receiving a reply from FWD travel insurance after almost 3 months, saying they have rejected my claim for the damaged baggage. I am trying to be calm here, but my nose is all flaring up now. Last April upon coming back from Shanghai, I reported a damaged baggage upon arrival and immediately the day after, I reported to Singapore Airlines and FWD Insurance. I am a nerd believer of travel insurance, I feel travelling is a risky business and would always want to have my ass covered especially for this trip since I am travelling with my laptop and other business paraphernalia. At first I was hesitant to report to the airlines and decided to do the claim instead to FWD, but I did both anyway. If SQ would reject my claim then at least I tried, I could say. Right after a few days I got an email from SQ with a proposal to compensate me for the damage. My luggage was not bran...