DO NOT BUY ETIQA TRAVEL INSURANCE
I bought the Tip travel insurance and my experience has just been horrible. During one of my trips, I broke a very expensive piece of optical equipment - Etiqa customer service was absolutely unhelpful, and refused to help me with my claim (even though I supplied photos of the obviously damaged product broken in two, and cracked glass) . I'm really quite shocked at how bad my experience was, and I urge customers to stay away from them.