Damaged bank card

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.

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.

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

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.

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.

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.