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For me, ETIQA+ SG is the best budget travel insurance plan based on my experience. My luggage was damaged upon reaching Changi Airport, then i quickly submit my claim on the spot. Guess what, my luggage damage claim was approved within 12 hours! (And it's even without Property Irregularity Report (PIR) from the airport)
Another time my flight to Japan was delayed for 3 hours, within 12 hours again I received notification stating that my insurance claim was approved. Upon checking the ETIQA+ SG app, the system detected my flight was delayed and auto-claimed for me with no hassle! (Provided you have typed in your flight details during puchase)
Best part of it, all your claims can be encashed to your bank accounts in no time! So what are you guys waiting for? Refer comment below for additional discount! Cheers :)
ETIQA+ SG
Referral Code: R450740
Get additional 5 ~ 14% discount when you purchase for ETIQA+ SG travel insurance and all other insurances!
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OCBC is also doing promo. I bought mine recently. Pretty good deal also.