FWD do not buy Travel INSURANCE from them
Had terrible experience with travel insurance claim for disrupted flight. After many emails from the claims executive spanning over 1 month - was informed the claim is not covered as they only cover flight disruption only for 3 conditions listed in the fine prints. So read the fine prints properly before you purchase the travel insurance from FWD. The type of incident I encountered is a very common one for connecting flights change of timing and was covered by another travel insurance earlier this year. I won’t recommend using FWD and caution against folks to read the fine prints properly. Felt very cheated by this experience and felt that FWD does not practice fair consumer practices.