First claim from FWD in years of purchase denied.
I purchased FWD’s travel insurance before a high-risk trek, expecting to be covered from the trek start date (31 March) to the end (4 April). I fell and was injured on the last day. When I submitted a claim, I was shocked to find they voided the entire policy because I had left Singapore two days before the trek began (had 2 layovers) Apparently, if you purchase the insurance after leaving Singapore, the entire policy is invalid, even if your actual activity and intended coverage hasn’t started yet. This clause is tucked under “Before we begin” amongst other wordy terms on page 7 of the purchase flow and page 36 in a 40+ page policy document. No warning, no pop-up, no flag. Just buried fine print that can render your policy completely worthless. I didn’t try to abuse the policy, I used my own insurance first, and only claimed what was left uncovered. I was transparent about my dates. I wasn’t asking for a loophole, just support for a legitimate injury during the period I thought I was insured. This kind of design, hiding a deal-breaking exclusion while collecting your money, feels deliberately misleading. I won't trust FWD again, and I strongly recommend others read > every single buried clause < before assuming you’re protected.