Wha are the ways to reduce my expenses without compromising on my lifestyle?

I must say that the FWD Travel Insurance Premium is very easy to apply and also avails competitive rates as well. Generally FWD offers decent coverage for a safe travel destination however if you’re going somewhere with a higher risk involved like a ski trip for instance, you might want to consider specialized plans. But generally, the application process and ease of getting a quote upfront is great with competitive prices too.

With Citibank, you have a choice between complimentary travel insurance with a Citi PremierMiles, Citibank Cash Back or Citibank Rewards Card or paying for a premium insurer. If you take a closer look at the coverage limits on the complimentary insurance plans, you’ll realise that the limits fall way short of industry standards for paid travel insurance. Which essentially means that you take it up on your own risk. If you plan to buy travel insurance with Citibank, you’ll have to pay a premium however as it is expensive and the coverage doesn’t quite fit what you pay for but if good emergency assistance is your top priority, then you might find Citibank travel insurance worth your money.

If you’re an Aviva policyholder or have a family member who is one who qualifies for the 30% discount, then don’t hesitate on going for this. Without a doubt, this is the cheapest and most purchase worth travel insurance you can buy out there. If you’re not a policyholder, it’s still a really good deal if you can get 18% discount with the promo code. Those travelling to a bit more expensive countries will want to get the second tier plan for a few dollars more. For pregnant women in their first or second trimester or just any woman who could be travelling while pregnant, Aviva travel insurance is one of the very few options that will cover your condition.

Their coverage for overseas medical expenses, personal accident, travel delay and baggage delay are now slightly above average, which is awesome. Furthermore, as a pet owner I greatly appreciate them adding in the new category for pet boarding. In general, the Tokio Marine’s coverage is really quite comprehensive and they even cover most tourist adventure sports done at a leisure level. This includes bungee jumping and skydiving, which some other insurers don’t cover.

This card allows you to pays up to $S20,000 under Trip Curtailment even if you have to remain overseas for medical treatment and pays up to S$12,000 for the unrecoverable deposits under Trip Cancellation. Your Personal Accident cover starts 3 hours before departure with a high medical coverage of up to S$600,000 for medical and accidental dental treatment whilst overseas with an automatic extension of policy for up to 30 days if you are hospitalized or placed under compulsory quarantine while overseas upon the written advice of a Doctor. You receive up to S$10,000 for lost personal effects and reimbursement to replace the essential items and an automatic extension of policy for up to 72 hours if you are unable to complete your trip as planned due to Public Transport delays that are not your fault

Even though you may purchase this travel insurance from American Express channels, every aspect of the after-sales support is taken care of by Chubb Insurance. Chubb has a very good international reputation for its emergency assistance, which is reassuring if you ever worry about such unforeseen circumstances and events occurring. They have an efficient emergency hotline assistance service, while claims can be submitted online with supporting documents through Chubb’s online portal.