Beware of this online company
Beware. This is a manless insurance company. You are basically talking to a bot asking same questions over and over again for everything that you asked. When I cancelled my annual travel insurance they refused to refund the unused amount because I made a claim but which they did not pay as they said it was outside their terms and conditions. So they earn $400 from it doing basically nothing. Bought also another policy but the following year it increased to double so decided not to continue (because they gave substantial discount for the first year to bait you). The breakdown showed an amount for rider but did not mention it as they assume people are just suckers who would just pay it. Mind you its more than 1K premium even after no claim discount! Also beware their policy is on a yearly rolling basis and there is no notification or reminders unlike from traditional insurance companies so you must check their app regularly. They will give you a point everytime you log in (via a code through your phone) which is equivalent to a cent. Yes a cent. Even the policy they put inside is incorrect! Practically exhausting dealing with them/ the bot.