Extremely disappointing experience
My husband bought travel insurance from FWD Singapore for a trip (10–15 March). Had a genuine claim due to a 24-hour flight delay during the insured period. Claim was rejected by claims executive Amanda Low. She said the policy only starts on 10 March, but our departure flight was 9pm the night before — even though coverage dates clearly matched the trip and the delay happened within the insured window. Asked for a reasonable review given how marginal the timing was, but she stuck rigidly to technicalities with zero flexibility. If you’re considering FWD, just be aware: even if your claim is valid in spirit and clearly within your travel period, you may still be denied based on strict technical interpretations with no flexibility. Extremely disappointing given that my family and I are repeated customers and have purchased from FWD regularly. Makes you question the value of the coverage when it matters most. Would not recommend.