Never buy from etiqa again.
1st time claiming travel insurance but they do not seems to be reliable. Brought a pre-med savvy travel policy. Had a fall and explain the situation but was told pre med condition is only claimable for medical treatment oversea but actually if it is an accident, there is a possibility for claim however they cs will not tell you that. They even tell you their feedback is correct even know they knew it is an accident and if not for the fall, it will not trigger back a possible old injury. And subsequently the claim assessor will reject you because the receipt did not state there is a medical condition that is related to an accident because they never even ask you for a doc report and purely based on a receipt where it is clearly communicated that the receipt will not show the injury record, where doc ask to further observe and return if there's a problem. And when you probe further or ask them for proof of how they doc will state on receipt for observation required. They are a bunch of cs team that do not listen or abide to their commitment and yet try to convey and speak to you like they understand and they hear you. Many of us buy travel policy and may not realise the complexity if how they term it to their advantages as we do not have a proper adviser to help explain the clause. However did not expect such absurb reasoning. Also brought a home insurance of which no claim was required so far, but intend to pull out although there's penalty. No intend to deal with a unreliable advices which only makes one's stress level higher than the situation itself.