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When I bought airline tickets much farther out in advance than I would normally do, I bought travel insurance via Allianz and also added the "required to work" rider for it just in case. I am so happy I did as due to some changes in my department I was not able to go on vacation as previously planned. I cancelled my airline tickets and submitted my claim online, including printouts showing I cancelled the tickets, along with an email from my supervisor indicating I was required to work.

Unfortunately, Allianz has pretty strict restrictions when it comes to sports coverage as you won't be covered for sailing, hunting, playing polo, mountaineering, skiing, rock climbing, parachuting or hang gliding. You do however, have a golf advantage cover that provides coverage for damaged or lost golf equipment that is in your checked luggage. Allianz has an efficient online claim portal allows customers to submit and file their claims online easily and if you have problems uploading your claim you can call or email them for assistance. If you are claiming for medical or dental expenses, you will still have to send original copies of your supporting documents and an acknowledgement email to the address in the table below.

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.

ERGO TravelProtect Deluxe provides cover for leisure and other sports activities like hiking, skydiving, scuba diving and hot air balloon ride. ERGO compensates an insured person aged 70 years old and below with up to $1,500,000 for medical expenses made overseas and a maximum of up to $200,000 repayments for insured person aged 70 years old and below with a $50,000 total daily hospital allowance.

This card is a very comprehensive travel insurance plan for travel to Japan. However even when you are not travelling to Japan, Sompo has come up with a pretty good solution for those with pre-existing medical conditions, as the Sompo Travel Joy Deluxe plan is worth considering, even if you’re not travelling to Japan. Should anything happen, you can get evacuated home for free thanks to the unlimited coverage for medical evacuations. Sompo loses out however when it comes to coverage of outdoor activities.

You are covered for adventurous activities like bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white water rafting, diving and general snow sports like skiing and snowboarding. There is also decent golf coverage for equipment, unused green fees, and hole-in-one (that should please all the golf lovers). However, you will only get the adventure cover and golf cover for Elite and Premier plans (too bad golf lovers).