What should I do? Someone hacked my bank account through my phone

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).

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.

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.

Within Asia, HL Assurance is the cheapest of the three plans for 1-week trips, but falls behind the other two for 2-week trips. HL Assurance's Enhanced Plan, like the Basic Plan, places more emphasis on travel inconvenience, with more coverage in this area than FWD and Etiqa. Comparatively speaking, FWD and Etiqa both provide more coverage for medical expenses, trip cancellation and personal accident/death. So if you want greater protection against disruptions like baggage and trip delays and baggage loss, HL Assurance's Enhanced Plan is a better choice.

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.

In all honesty, the AIG Travel Guard plans offer really poor value on their Basic plan, and only step up on the Standard plan. So if you’re looking for a cheap and good deal, you can skip AIG completely. The basic plan may be cheap but it is most definitely not good. The only reason you might want to get the low- to middle-tier AIG travel insurance is if you booked your trip via a travel agency and they have some kind of exclusive discount that’ll put it back in the competition.That said, the upper-tier travel insurance plans have surprisingly good coverage, so if you want to buy from AIG, go big or go home. AIG seems to concentrate all their resources on the upper tier plans. Plus, in terms of turnaround time, AIG is not bad – they’re willing to commit to a 10 working day turnaround time from claim to settlement. They’re not the only ones who do this, but it’s better than nothing.