Do not fall for lower premiums by them. What is more important is settling the claim! They denied a travel insurance claim for a foreign trip cancellation due to my father in law's death by stating that parents (either mine or my wife's) are not part of family as per the definition in policy document and hence his death is not a reason to honour the claim. And this was one month after registering my claim and asking me for all travel documents and details. Later on I checked for travel insurance products from other insurers (public and private) and I found that almost all have included parents in the definition of family. The cheaper rates are obviously provided as they have no intent of honouring claims using such dubious clauses.