Can I use a debit card to book bus?

Getting overseas study insurance has never been easier with the ability to buy online and receive your e-policy instantly. The MSIG Global Study emergency hotline ensures that there is always someone to connect you to medical care and evacuation, no matter which time zone you are in. So therefore you save time by submitting your overseas study insurance claim online and they will keep the process as simple as possible to bring your claim to a fair settlement.

I don’t usually make reviews or comments about products but one simple thing that impressed me about the Amex Express VoyageGuard was that there was absolutely nothing at all in the Amex travel insurance policy wording to exclude outdoor activities or even extreme sports. That is very unlike other competitors we exclude such, I commend this card for being adventurous.

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.

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.

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.