How to Claim FWD Travel Insurance (2024 Guide)

Your step-by-step guide to navigating FWD travel insurance claims easily.

Travelling can be thrilling, but unforeseen events such as illness, injury, or lost belongings can quickly mar your experience. This is where FWD travel insurance proves invaluable.

If you find yourself needing to file a claim, understanding the process and required documentation is crucial.

 In this article, we'll guide you through the steps to submit your FWD travel insurance claim in Singapore smoothly.

Table of Contents

• Here's how to file a FWD travel insurance claim
• What are the documents required for a FWD travel insurance claim?
• Understanding coverage, limits, and conditions of FWD travel insurance
• How long does it take to process my claim?
• How to check my FWD policy claim status
• Read Real User Reviews of FWD Travel Insurance from Seedly
• Frequently Asked Questions

Here's how to file a FWD travel insurance claim

All it takes is a few steps to kick of your claims process!

Submit your FWD travel insurance claim in 3 steps

1. Sign into your online FWD account to initiate the claims process
2. You can alternatively submit your claim using FWD's webform Allow FWD's claims team to review your submission.
3. Expect an email acknowledgement within two working days.

What are the documents required for a FWD travel insurance claim?

To make your claims process smooth and efficient, gather the following documents based on the type of claim:

Medical expenses

• Flight itinerary or boarding pass
• Original medical bill(s)

Theft of baggage or personal belongings

• Flight itinerary or boarding pass
• Original invoice of stolen item(s)
• Policy report for the stolen item, lodged abroad within 24 hours of the theft

Daily hospital cash

• Medical report or inpatient discharge summary
• Flight itinerary or boarding pass

Trip delay or diversion

• Rescheduled boarding pass Itinerary
• Written proof from the public transport operator/handling agent indicating the hours you were delayed and the cause of the delay

Trip postponement or shortened trip

• Tour booking invoice
• Airline or travel agency's confirmation on the cost of your non-refundable prepaid travelling expenses
• Written medical advice or medical certificate from an attending medical practitioner confirming you were unfit to travel (related to your injury or illness)
• If applicable, the death certificate of the policyholder or insured person's family member

Insolvency coverage

• Event ticket or tour booking invoice
• Airline or travel agency confirmation on the cost of your non-refundable prepaid travelling expenses
• The event company's confirmation on the cost of your non-refundable expenses

Baggage delay

• Boarding pass
• Written proof from your handling agent or public transport operator indicating the hours you spent without your luggage, inclusive of the baggage delay reason
  
  

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  Understanding coverage, limits, and conditions of FWD travel insurance

FWD's comprehensive travel insurance includes unlimited medical evacuation and repatriation, up to S$1,000,000 in overseas medical expenses coverage, coverage for terrorism, travel inconveniences and more.
For the full breakdown on FWD travel insurance, read the review here.

FWD claim conditions

FWD does not cover the following:

• Claims for trip cancellation and loss of deposit benefit, as well as trip postponement benefit, if you purchase your policy less than 72 hours before your scheduled departure from Singapore
• Claims under the trip cut short benefit for the cost of your unused portion of the original transport ticket back to Singapore that you have already paid for
• Claims under the trip cut short benefit for additional travel expenses if you have not purchased a return ticket to Singapore in your original itinerary
• Claims under the trip cut short benefit for incurred expenses related to any mode of public transport, such as buses, taxis, private hire vehicles, or any ride-hailing or on-demand services
• Any amounts refunded or compensation received, regardless of the form of such refund/compensation. Forms may include cash, vouchers, credits, points, or miles
• Expenses to upgrade to a better class or category of transport or accommodation compared to that in your original itinerary (e.g., changing from a budget airline to a full-service airline or upgrading from an economy seat to a higher class)

FWD claim limitations

• Visiting any country where Singapore's Ministry of Foreign Affairs advises against travelling to or recommends postponing the travel to
• Pre-existing medical conditions, unless you have purchased the optional pre-existing medical condition cover with the coverage shown in your travel insurance summary
• Participating in a sports activity that does not meet the criteria in the contract or any sport under a professional capacity
• Suicide or self-inflicted act
• Travelling against your doctor's advice
• Inflated or fraudulently made claims
• Participating in any illegal act, including war, uprising, riot, strike or civil commotion
  
  

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  How long does it take to process my claim?

  The processing time for FWD insurance claims typically takes up to 14 working days from receiving all required documents. This timeframe allows FWD to verify the claim details and ensure everything is in order before approving or declining the claim.

How to check my FWD policy claim status

Check your FWD travel insurance claim status via FWD's website or app.

Read Real User Reviews of FWD Travel Insurance from Seedly

"The process to purchase insurance was seamless and easy. Payment was convenient as well and was able to pay using PayNow and GrabPay even. Recommended!

Roger

"FWD has perfected the online insurance purchasing journey. and I use FWD a lot for my insurance needs. I like the fact that they don't ask too many unnecessary questions, depending on the type of insurance that you're purchasing, and their claims is 100% online, without the need to interact with a human."

Lim Boon Tat

Frequently Asked Questions

Is it easy to claim FWD travel insurance?

Yes. You can either submit your claim on your FWD Online Services account or via the FWD web form.

Will FWD travel insurance cover medical?

Yes, FWD's medical coverage under its travel insurance plan includes medical expenses incurred overseas and in Singapore. Other benefits include coverage for Chinese medicine, physiotherapists, chiropractors, and personal liability while you're on your trip.

Does FWD travel insurance cover medical expenses after the trip?

Yes, FWD covers medical expenses incurred in Singapore, including for mobility aids, daily income if you're hospitalised, and dental expenses caused by accidents.

What are the best travel insurance companies?

The best travel insurance companies in Singapore include FWD, Singlife and MSIG.

What is a covered reason for trip cancellation?

The following are covered reasons for trip cancellation by FWD insurance:

• You or your travel companion is medically unfit to travel (confirmed by a medical practitioner in writing) due to an illness or serious injury
• You, your travel companion, or your family member dies
• Your family member suffers a life-threatening illness or injury (also confirmed by a medical practitioner in writing)
• You or your travel companion needs to be a witness in court during your scheduled travel period
• You or your travel companion's home is seriously damaged by fire or a natural disaster, resulting in the inability to travel or having to cut short your trip
• The airline itself cancels your flight as the airport, runway, or airspace is closed or due to poor weather conditions, causing the aeroplane to be grounded
• A serious event takes place either in Singapore or one of your travel destinations, halting you from starting or resuming your trip

What is the cancellation policy for FWD travel insurance?

FWD has a clear cancellation policy for its travel insurance. For single-trip travel insurance policies, customers can cancel their coverage any time before the trip starts, and FWD will provide a full refund of the premium paid.

However, for policies that include trip cancellation benefits, the refund is contingent on the cancellation being due to valid reasons specified in the policy.

Policyholders need to review the specific terms and conditions related to cancellations to understand any potential limitations or exclusions that may apply.

How do I claim trip cancellation insurance from FWD?

You have the option to submit your claim either through your FWD Online Services account or by using the FWD webform. Be sure to submit the original documents by mail to FWD's office ASAP to expedite your claims process.

What type of cancellation does FWD travel insurance cover?

FWD travel insurance covers trip cancellation and loss of deposit, trip postponement, trip cut short, and trip disruption. Please note that coverage may differ based on the FWD travel plan type.

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