[Travel insurance] Any feedback on Hong Leong Travel Insurance vs FWD Travel Insurance? Both are pretty competitive in pricing and in terms of coverage - but wonder any difference when it comes to the fine prints and customer service?

Avoid HL travel ins. $0 payout for expenses incurred after travel plan disrupted and self quarantine after getting covid

I've used FWD and recently claimed for medical expenses post trip, in SG, due to a minor injury sustained during my trip. It was very smooth and fast (caveat: my claim amount was very low), so overall experience was great.