# thewisetraveller.com 评价与评分

> 来源: OK.one — https://ok.one/review/thewisetraveller.com

- 域名: thewisetraveller.com
- 分类: 金钱与保险
- 综合评分: 2.5 / 5 (2 条评价)
- 评分分布 5→1 星: 0% / 50% / 0% / 0% / 50%
- 所在地: Singapore
- 数据更新: 2026-10-24

thewisetraveller.com（thewisetraveller.com）在 OK.one 的综合评分为 2.5 分（满分 5 分），基于本站收录的 2 条用户评价，属于金钱与保险分类，口碑较差。评价两极分化：50% 给出 4 星及以上，同时 50% 打了 1 星；商家尚未回复差评；近 12 个月新增 1 条。数据最后更新于 2026-10-24。

## 最新评价(第 1/1 页)

### ★☆☆☆☆ Misleading Summary vs Actual Coverage
- Edward Sai Chiu Ho · 2026-05-21

I am a repeat customer of The Wise Traveller and recently had a claim for a flight delay of just
over six hours rejected, despite believing it was covered under my policy.
When I purchased the policy, the summary of benefits stated:
“Travel Delay – USD 150 per each continuous 6 hours of delay up to a maximum of USD 1,500.”
There was no indication in this summary that the delay benefit only applies to specific causes.
The rejection was later justified based on detailed policy wording stating that claims are only
payable if the delay arises from:
 strike or industrial action
 adverse weather
 mechanical breakdown
 derangement or structural defect of the carrier

My delay was caused by “aircraft deployment reasons” as confirmed in writing by Malaysia
Airlines. However, the insurer deemed this to fall outside the scope of coverage. As a customer,
it is not realistic to expect passengers to obtain highly technical or detailed operational
explanations from an airline, and the reason given could reasonably fall within mechanical or
operational issues.
The key issue is not just the rejection itself, but how the policy is presented:
 The summary of benefits gives the clear impression that any delay of 6 hours or more is
covered.
 The critical exclusions and conditions are only found in detailed policy wording, which is
not highlighted or clearly referenced at the point of purchase.
 Customers are not informed that coverage depends heavily on the cause of delay, which
is often vague, disputed, or di􀆯icult to evidence.
In practice, this means many customers may believe they are covered for flight delays when
they are not, based on how the policy is marketed and summarised.
I would strongly advise:
 Existing customers to review the full policy wording very carefully before renewing
 Prospective customers to request and read the complete terms and conditions before
purchasing, especially regarding delay and disruption coverage
This review is not about expecting insurers to pay for everything, but about transparency. The
summary of benefits should accurately reflect the real limitations of coverage so customers can
make informed decisions.

### ★★★★☆ Check the underwriters
- Adam · 2023-07-23

Whilst their member centre is very responsive, their website and documentation is littered with references to past underwriters including the much-reviled (here on Trustpilot) Starr Insurance in 2022.

So it's very confusing and even my certificate issued in July 2023 mentioned Starr but they corrected it, when asked, to Zurich.

All in all rather confusing.
And the coverage for vehicle rental excess is extremely low ($500-1000) making it not much help when car companies usually put that figure at $1500-2500

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