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The Allianz annual plans saves frequent travellers some serious money. In fact, a couple only has to take two seven-day trips a year for an annual plan to become a better buy. And if you travel for work and are responsible for your own insurance, the Allianz AllTrips Executive Plan might be a fitting solution. It provides reasonable coverage for all categories and protects you in the event your business equipment is lost or stolen.

The fact that Amex is super lenient and covers almost every death-defying experience you can think of makes this card the more impressive.So if you’re that extreme, this might be the best travel insurance in Singapore for you. On the other hand however, if there isn’t a deep discount, then Amex travel insurance is pricier than average and won’t offer that much monies worth.

Don’t bother to buy insurance from them no matter how cheap they offer it as they do not response to email claims and when one calls them for an update, one is told that it takes two months to REVIEW a claim. Well in my case one month had passed and they wrote back to me asking to prove that I travel outbound and other documents. Now my question is why they did not asked for such documents within a week of my claim submission? Please avoid this company!

This cards basic policy covers mainstream stuff like scuba diving and hiking, even as there are quite a lot of exceptions like mountain biking, surfing and flying fox in the package. Irrespective, you can pay extra to add on coverage for winter sports like skiing, snowboarding, sleigh rides or for extreme water sports. Extreme latter sports covers the likes of surfing, jet skiing, sailing, kayaking as well as diving as deep as 40m.

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.

The FWD policy wording doesn’t mention any sporting exclusions, with the exception of competitive sports and hiking/trekking above 3,000m. Considering that most outdoor activities are covered, their lowest tier plan (Premium) is very good value for money. For the basic plan, FWD Premium has quite a high trip cancellation claim limit of $7,500 which applies for haze-related cancellation or infectious diseases like Zika and dengue too. Where FWD loses out is in the below-average travel inconvenience benefits. For example, for travel delays, you get $300 limit on delays, another $300 for missed connections and another $500 for “diversions”. It is very hard to claim the full benefit.