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 brand new so after their assessment they decided to give me 50% of the value.

Not bad, so I accepted. It could help me top up to buy a new one, so I was waiting for a reply from FWD Insurance with a thought that maybe, with their share I could actually buy a brand new luggage.

Weeks passed, and then Months.

I followed them up for the status more than twice and got the reply only today:

REJECTED.

Reason: Singapore Airlines has already compensated me.

I replied to them below:

X****** <******tad@gmail.com>	4:32 PM (19 minutes ago)
to roualt, yeemeng.lim, onlineservices., service.sg

Seriously???

I bought this travel insurance in good faith believing that my trip and personal belongings are being protected.

But just because Singapore Airlines responded way faster than you did and compensated me way before you did, then you have decided not to cover?

To be honest I was not expecting for the airlines to cover but they did and I was expecting for my insurance to cover but didn't. 

What an irony, I should have known!

So this has been a big lesson for me.

Choose your Insurance carefully and review the terms and conditions thoroughly.

ouch!

I’m always too trusting with them that I do not bother to review the clauses.

I am just lucky that it was just damaged baggage, what if it was worse – lost baggage or God forbid – accidents???

We do not want anything bad to happen but when that happens and the one thing you thought could be depended upon just fails you? It’s just a disaster.

I am extremely disappointed.

I just wish Insurance companies are more sincere with their promises and not trying to work their way out of the situation when they receive claims. We do not wish for incidents just to do a claim, some maybe yes, but generally we don’t.

Hopefully this does not happen to anyone. I would not want it to happen to anyone.

But one thing for sure that will not happen again – buying from FWD Insurance.

No, not ever.