Don't be misled by their cheap travel insurance
They hire 3-party to review for all the claims. In my case, they used Broadspire to review my travel claims. Few years back, i had good experiences with FWD and that's why I chosen them for my latest insurance. However, based on latest incident, they will try to deny the claims for whatever reason. They have been dragging my case for one month and only then replied me with denied claims.One month ago I've responded back to them that their rejection reason is invalid providing evidence to counter their claims, but I've heard nothing since. I've then file the complaint with FIDReC for the dispute and awaiting for the result. I'm not going to trust their replies here for further contact nonsense as their team is in the loop throughout the entire mail chain. Regardless what's the outcome, I'm not going to use their service anymore. Their travel insurance may looks cheap but they will find all nonsense excuses to deny your claims. They employed a series of tactics such as delaying the respond so one can't easily access many free accessible platform such as flightaware / flightradar for further dispute.