travel insurance company in malaysia

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Get your AIG Travel Insurance Online Today!

Our travel insurance covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more for your holiday.

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Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection coverage for you to fully enjoy your trip.

Get covered easily online! Purchase your travel insurance online at  AIG Travel Insurance

Our most popular features include

Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Protection for loss of baggage & personal belongings  up to RM8,000

Lump sum payout up to RM400,000

Wherever you are in the world,  we’re ready to help 24/7.

Stress-Free Claims. Submit travel claims online in a few clicks, done! Make online claim here>

Instant and easy online purchase  for your next trip.   Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or  illness (excluding pre-existing conditions),  AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

AIG Travel Insurance | A Global Insurer with Worldwide Coverage

Travelling with family or friends soon? Secure your journey with  AIG Travel Insurance . Don’t let uncertainties ruin your well-planned trips. Available via online purchase.

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Did You Know? | Trip Cancellation Ever planned a grand European escapade, only to be struck down by sudden illness or injury? Painful, isn't it?

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Read more Actual Travel Claim Stories >

Quote & buy online, before your next trip!

Just answer a few quick questions to get your quote online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

Submit a claim online.

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel.  The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.  Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1.  Buy online  on our website; or 2.  Locate & contact an agent  to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.  You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click  here  to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your  claim  for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click  here  to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.

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Comparison of the top 5 travel insurance companies in Malaysia

Written by  Ashley Sue

Have you booked your flight and wonder if it’s absolutely necessary to buy travel insurance?

Well, we’re here to help! Of course, most of your travels will go as planned without a glitch, but we all know that even a well-planned trip can be ruined by unexpected things. Moreover, as if it isn’t bad enough that your plans are ruined, you’ll also end up paying a lot for the misfortunes. So, to avoid paying way too much for things you cannot control. Let’s compare the top 5 travel insurance and we’ll leave it up to you to choose what’s best for your travelling needs!

Firstly, we’ve got to look at what is being offered out there:

Allianz Travel Insurance

AmGeneral Travel Insurance

AXA Affin Travel Insurance

Berjaya Sompo Travel Insurance

Chubb Travel Insurance

Tune Protect Travel Insurance

Zurich Travel Insurance

So, how much should it usually cost? Well, many would think that travel insurance is expensive and is only needed to be purchased when we’re travelling far. But the truth is the price for travel insurance isn’t as expensive as we often think it would. Plus, it also depends on factors such as the coverage amount, duration and destination. There are also options for individuals and families. Malaysia has myriad of travel insurance policies that cater to different types of travellers and thus there is a huge range for the premiums. It ranges from as low as    RM18.00 (Allianz Travel Care)   for individual travel insurance and higher for family travel insurance, from RM80.00 (Zurich TravelPAC Gold) .  

Getting travel insurance is like having a safety net to make sure that you’re covered financially if something goes wrong. If it does, you’ll receive compensation to help you with things such as new flight tickets and even medical care overseas. Additionally, it also offers substantial benefits that will outweigh the premiums you pay. For more on the benefits that travel insurance gives, here’s a helpful article for you!  Surprising Travel Insurance Benefits You Might Not Know About

So, what do you pick and where do you begin, you ask? Here’s a helpful list:

So now let’s look at the top travel insurance providers in Malaysian and what they offer:

The Allianz Travel Insurance specialises in cases of a personal accident. They offer a simple yet holistic plan for travellers and keep them protected from minor mishaps like baggage or flight delays to major ones like accidental death or permanent disablement due to accident. Additionally, they also offer coverage of high-risk sports and unique reimbursement schemes when it comes to luggage delays where travellers can be compensated based on the reasonable essential items such as toiletries and clothing. A basic plan covers the following:

⦁ Accidental Death & Permanent Disablement Due to Accident

⦁ Medical Expenses

⦁ Emergency Medical Evacuation and Repatriation

⦁ Reimbursement of Deposit or Trip Cancellation

⦁ Loss or Damage to Personal Luggage or Personal Effects

⦁ Loss or Damage to Travel Documents

⦁ Luggage & Travel Delays

2.  AmGeneral Travel Insurance

Kurnia offers a wide range of travel insurance policies that are ideal for family vacations and at an affordable rate! You can insure your family with plans like Kurnia Travel Supreme Plan A or Plan B [what is A and B?] . It’ll also you keep you protected against common travelling related accidents and emergencies such as accidental death and permanent disablement, flight delays, missed flights, loss of travel deposits, baggage delays and more. Kurnia also offers coverage for elderly travellers of up to 80 years old. So now you can bring your favourite grandparent to the vacation of their dreams!

3. AIG Travel Insurance 

AIG Travel Insurance have custom-made options for everyone, thus there are 4 main plans to choose from Deluxe, Standard, Basic, and Domestic. All four plans contain medical benefits, personal accident benefits, and 24/7 Worldwide Travel Assistance.

One plus point of AIG travel insurance is the ability to customise your plan for your duration up to a full year. You can do this when choosing the insurance plan online.

4.  AXA Affin Travel Insurance

This insurer has always been associated with travel insurance. They’re well known for their AXA Affin SmartTravel insurance plan as the policies are designed to deliver an all-round great travel protection. Their coverage includes travel delay, emergency medical expenses, baggage delay, trip cancellation, unlimited emergency medical transportation, car rental excess cover-up and more. Benefits of AXA SmartTravel plan include the following:

⦁ Travel Delay (6 hours or more)

⦁ Emergency Medical Expenses (up to RM300,000)

⦁ Baggage Damage or Delay (up to RM800)

⦁ Trip Cancellation (up to RM20,000)

⦁ Unlimited Emergency Medical Transportation

⦁ Rental Car Excess Cover (up to RM1,000)

This plan is also a whole lot cheaper than AIG’s. For example, a SmartTraveller VIP plan that compares to AIG’s Standard plan is just RM39 whereas the AIG plan costs RM45. That’s a big difference and with even more benefits! [the difference is only RM6 not sure if that’s a great difference]

5.  Berjaya Sompo Travel Insurance

This provider is known to be a cheaper option, offering policies for travellers on a budget. Their Travel Plus Basic is as low as RM18 and covers the essentials such as accidental death or permanent total disablement, medical expenses, child care benefit, and emergency medical evacuations. [maybe you want to talk about – if someone is looking for a cheaper alternative, Berjaya sompo is known for x,y,z and it’s perfect for a,b,c]

6.  Chubb Travel Insurance

This travel company specialises in providing you with a simple solution to your travel coverage. They also provide 3 types of travel plans for you to choose from: Chubb First, Chubb Executive, and Chubb Premium. They’re a little more expensive but proves to be of value with benefits such as: 

⦁ Follow-up Medical Expenses (after your trip)

⦁ Alternative Treatment

⦁ Child Guard (coverage for your child dependent)

⦁ Claim for Golf Hole-In-One (Rm1,000)

⦁ Home Inconvenience Allowance

7.  Tune Protect Travel Insurance

Tune Protect is designed specifically to suit the needs of all travellers. They offer all-inclusive travel insurance with their Travel Easy Plan which is equipped with major benefits such as medical emergencies, loss of personal belongings, travel inconvenience and 24/7 Worldwide Travel Assistance. There are also some newer additions today such as alternative medicine, mortal remains repatriation, home care benefit, child care benefit and more.

8.  Zurich Travel Insurance

This provider offers a comprehensive plan for business travellers, ensuring all liabilities will be covered at home and also overseas! Their Travel Safe plan is also Shariah-compliant and provides travel coverage for overseas trips.

9.  Etiqa Travel 360

Its speciality lies in the Trip 360 and Trip 360 Takaful plans. Both similar in terms of coverage amount (except Takaful), you get thorough insurance protection when on the move. It covers the most essential unforeseen circumstances such as baggage delay, medical expenses, loss of valuables, loss of travel documents, and death & permanent disability. 

However, it also gives you real-time compensation. Moreover, it also offers RM100 for a 2-hour flight delay even without submitting a claim. Travel 360 is also has a cashless plan for medical care when travelling. You can also add on adventurous activities to the list and the topping on the cake? They also offer an additional 25% rebate when you apply online. 

Wondering how to apply? Here are a few ways:

1. Online: Just search and compare what’s best for you. When you’ve chosen, just go to the provider’s site and enter your particulars to get a quote.

2. In-person: Head to any branch of the travel insurance company of your choice and get them in person

3. From a licensed insurance agent: This can be a more expensive choice but it’s also more customisable and offers more support than buying directly from their website. 

4. Air miles credit cards: Many people don’t know that certain credit cards also offer basic travel protection. While they’re not very comprehensive, cards such as Ambank Visa Signature can offer up to RM1 million in insurance coverage.

Ultimately, there is no one-best-plan that works for everyone. It depends on what you want and how much you’re willing to pay. Whatever your choice is, you can’t go wrong with any of these options. So pack your bags, book your flight, and get your travel insurance!

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*All Travel Insurances are Eligible for Malaysians, Permanent Residents, Employment Pass/Work Permit Holders and Dependant(s) of Pass Holders, excluding overseas secondment & students studying overseas.

Trip cancellation is when something happens that prevents you from going on a previously planned trip, such as an unforeseen medical problem. Trip interruption is when you are part way through your journey and something happens that cuts it short, such as a family member’s medical emergency back home or a workers’ strike at an airport.

These cover the cost of moving you to a location where you can get necessary and appropriate treatment in the event of a medical emergency. Evacuation costs are generally not covered by your regular home-based health insurance.

This coverage provides reimbursement for lost, stolen, or damaged baggage and other personal items. It’s usually offered for your entire trip, not just flight-related activities.

This add-in covers Hospitalization & Benefits related to COVID-19.

Pays for emergency medical expenses during a trip. If you are traveling and have an unexpected illness, injury or medical condition that’s covered by your travel medical insurance, the plan will reimburse you, up to the plan limits.

Coverage for a quick getaway. Protection that stays with you all the way. Protects you against accidental bodily injury, even on short-term journeys.

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• Why do I need travel insurance? It is important to have travel insurance while you are travelling in case of accident, illness or loss of personal belongings. You may compare and get the comprehensive coverage from different insurance companies at Fincrew.
• What does travel insurance cover? Travel insurance provide accidental cover, illness or loss of personal belongings etc. Some insurance company provide additional benefits such as trip cancellation, pandemic cover or sports equipment.
• What is a pre-existing medical condition? A medical condition that started before a person’s insurance went into effect.
• When should I buy travel insurance? You should buy your travel insurance before your trip start and it is advisable to start 1 day or earlier before your trip.
• Does travel insurance cover natural disasters? Most of the travel insurance cover natural disasters and subject to the terms of the policy. It is important to compare your travel insurance at Fincrew.
• How long does travel insurance Last? Some of the insurance company cover up to 190 days for single trip and 90 days for annual trip cover. It is important to consult Fincrew Customer Service or refer to Product Brochure or Policy Wording from the respective insurance companies.
• What is the use of trip cancellation insurance? This benefit compensates you for irrecoverable travel and accommodation expenses as a result of trip cancellation due to serious injury or illness.
• Can I cancel travel insurance if I cancel my trip? You may terminate the policy at any time by giving a written notice to the company within fourteen (14) days or contact our Customer Service Centre here . Such termination shall become effective on the date the notice is received by the Company or the date specified in the notice, whichever is earlier. No premium will be refunded upon cancellation of cover.

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The risks of traveling and how to prevent them.

Traveling is a relaxing and enjoyable exercise. Whether domestic travel or an international tour, there’s a lot to gain from partaking in this age-old pastime. To make the most of any trip, you usually have to invest significant time and research into planning and implementing your travel itinerary. But just as with various other facets of life, your travel plans aren’t impervious to sudden and unexpected changes. While no one certainly hopes for it, it isn’t unusual for people to fall sick while on a trip away. Also, your flight could get canceled; you can lose your valued possessions somewhere along the way, or you could get involved in an accident. It is where we at Fincrew Travel Insurance come in! We go the extra lengths to make sure that you are financially stable, no matter the event. Travel comprises various things from transportation to accommodation and feeding. Fincrew Travel Insurance provides that you have a partner who can step in effortlessly and protect you from loss if anything goes wrong.

The Best Travel Insurance in Malaysia

Traveling is fun. However, it can also be a delicate affair. Sometimes, all it takes to ruin a carefully laid out travel plan is for you to miss one flight due to bad weather. You could have covered all the details of your trip only for an emergency to come up less than 24 hours before you move. We are your one-stop solution to ensure that you don’t lose any money due to trip cancelations. At Fincrew Travel Insurance, we understand more than most the value of reasonable travel assistance. That is why we have all the logistics support and backup you need to succeed in your trip. Even if you’re making a single trip for your domestic travel, our travel insurance plans give you comfortable options so you can efficiently work. From submitting a claim to getting the support you need in time, we work hand-in-hand with you to provide a policy you can truly depend. Still not sure if we’re right for you, here are a few reasons to compare and buy travel insurance from our team!

Why Use Fincrew Travel Insurance

There are a lot of companies where you can buy travel insurance. What makes Fincrew the best option for you when you want to compare and purchase travel insurance in Malaysia today? Setting aside that we have one of the best travel insurance Malaysia reviews around, we don’t rest on our laurels. Our team has been pushing boundaries and finding innovative and proactive ways of protecting your precious travel plans. When you get any of our travel insurance plans, you are assured;

Top-Tier Customer Service

Even when it’s a domestic travel adventure right here in Malaysia, an unexpected hiccup with your plans can leave you feeling lost and confused. We account for this possibility and afford you the most convenient solution under any circumstance. Our customer service channel is available 24 hours a day to ensure that we get on top of any problem you might have from the second you report it in. We take the task of safeguarding your financial security very seriously, so we ensure that you always have a fast and accessible point of contact at all times. The Fincrew customer service team is specially trained and equipped to provide you with immediate solutions to help you ease any discomfort you might feel until it is a resolved issue.

Fast Intervention With Travel Interruptions

Be it a single trip or a tour that spans multiple continents; we have a seamless system and network in place that ensures that no unfavorable traveling conditions catch you ill-prepared. No matter what time of the year you plan on traveling or what the weather presents during your trip, we have a rapid response policy that covers trip cancellations and speedily delivers on all valid travel claims. Count on us to save the day fast and without fuss from missed connections to set up new reservations.

Extensive Medical Expenses Coverage For Emergencies

Some travel adventures tend to demand more physical activity than others. For example, if you plan on hiking or going on a safari adventure, there’s a relatively high chance that you could hurt yourself. In other instances, the local cuisine mightn’t agree with you, and you end up falling sick. Whatever the case may be, our travel insurance plans offer some of the most comprehensive personal accident protection you’ll see around today! You don’t have to think about emergency medical expenses. A few things you can expect rapid financial recovery for after submitting a claim includes;

• Medical evacuations
• Medical transport
• All prescriptions

Comprehensive Personal Liability Coverage

A big part of the traveling experience includes renting accommodation spaces and, in many cases, cars to facilitate smoother transportation. Sometimes, unexpected things happen and end up damaging these items to varying degrees. Once you file travel claims with us, we make this go away quickly and quietly. Our comprehensive coverage sees to it that you avoid out-of-pocket costs if you unknowingly damage any property or injure a third party. What’s more, we let you know just what each of our travel insurance plans covers you for clearly in the terms and conditions section of the policy. As the best travel insurance in Malaysia, each review from our long list of clients attests to our true experts in our field. When you compare and buy travel insurance with Fincrew, you effectively secure your trip financially. So, if you’re ready to give your next international or domestic trip the best protection possible in the country today, check out the list of travel insurance plans we have to offer below!

You plan to shop online for the best auto insurance policy when you get home. After that, you’ve also got to start shopping for a provider with the best interest rate as you plan on applying for a personal loan or SME loan soon. And oh, your medical insurance will be lapsing soon, and you need to renew it before it expires. It reminds you of the home insurance you’ve been putting off for so long! How will you ever manage with so many financial services to attend to at once? How will you ever manage?! We are introducing the new and improved FinCrew! You don’t have to dash from one tab on your browser to the next anymore! With our newly optimized user interface, you now have all the financial products and services you could need.

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Why is travel insurance important?

Travel insurance is there to help cover unexpected costs that would otherwise put you out of pocket - medical costs can be very high in some countries so it's important to have suitable cover for that.

It’ll usually include cover for situations like:

• Emergency medical expenses
• Cancelling or cutting your trip short
• Lost luggage
• Flight delays
• Personal liability claims

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Travel Insurance and Takaful

One of the best online travel insurance and takaful in malaysia., tripcare 360 insurance.

Get coverage for travel delays, loss of baggage, medical emergencies and other travel inconveniences.

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 I submitted a claim under my travel insurance policy with documents in the morning and to my absolute amazement the claim was paid in the afternoon. In all my years in dealing with insurance companies I have never encountered such efficiency in dealing with claims and I thank the staff of Etiqa involved in processing my claim. Etiqa should be the insurance of choice for everyone 

 It was truly a wonderful experience with the Etiqa customer service at Dataran Maybank. Recently, I went to purchase a travel insurance for my family. The staff at the Customer Service counter was really helpful and friendly. It took me less than 10 mins to get it done. Thumbs up Etiqa! 

 It was such an unpleasant experience when I lost my purse due to theft in Halstatt, Austria last December. However, travel insurance from Etiqa definitely came to the rescue. Upon submission the report to Customer Experience Department of Dataran Maybank, they processed the claim promptly and I received the insured amount ie rm1500 within a few days. What an excellent experience! I subscribed to the same plan for my recent Edinburgh getaway and will definitely subscribe again for my next escapade. 

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Best Travel Insurance Malaysia: Travel with Peace of Mind

You purchased your flight ticket, booked your hotel, and planned the itinerary.

But have you thought of travel insurance? Among all the fancy planning for a great voyage, people tend to forget about travel insurance.

So what is it?

Table of Contents

What is Travel Insurance?

Travel insurance is a specialised coverage designed to meet the specific hazards of travelling.

It is a precaution, shielding travellers from unanticipated costs such as medical problems, misplaced luggage, or trip delays.

Choosing the best travel insurance in Malaysia offers a simpler and worry-free experience for anyone planning a vacation from or inside Malaysia.

Why Do I Need The Best Travel Insurance in Malaysia?

Travelling overseas is fraught with uncertainty for Malaysians. Even for domestic travel, while Malaysia’s tropical weather is appealing, it can sometimes cause unexpected disruptions.

Having the best travel insurance in Malaysia assures you won’t have to shoulder the bills alone if you get trapped in a storm on the islands or have a medical emergency while trekking up Gunung Kinabalu.

Whether domestic or worldwide, plans can change due to personal situations or global events. With what the best travel insurance in Malaysia can offer, you won’t have to worry much and focus on making golden memories.

“But…which one is the best?” you asked.

How To Choose The Best Travel Insurance in Malaysia?

With so many insurance policies out there, you need to do your study to find the most suitable for you.

With the correct considerations, however, you can build a policy that suits your needs, ensuring that your excursions, whether near or far, are adequately insured. As a result, choosing the best travel insurance Malaysia has to offer necessitates carefully evaluating several variables.

Keep the following critical factors in mind when deciding to provide proper protection:

Destination

When choosing Malaysia’s best travel insurance, your journey destination comes first. Different locales present different risks and challenges.

For example, if you’re travelling within Asia, you might concentrate on local health dangers. In contrast, visits to Europe or North America may prioritise hefty medical bills.

Check that your insurance is region-specific and tackles any potential issues of your chosen trip.

Number of Individuals

The number of people travelling with you greatly impacts your insurance selection.

Solo travellers have distinct needs from families or groups.

If you travel in a group, the best travel insurance in Malaysia should include group or family packages, often less expensive than individual plans.

It is critical to ensure that each travel group member is appropriately insured, considering their unique requirements.

Travelling Period

The length of your journey is critical in establishing your insurance requirements.

A basic policy may be sufficient for short journeys. On the other hand, extended stays necessitate more comprehensive coverage that protects a longer length of time.

Consider annual insurance policies given by Malaysia’s best travel insurance companies if you travel frequently.

These are frequently more cost-effective and convenient than obtaining insurance for each individual trip.

Travel Insurance Coverage

When looking for the best travel insurance Malaysia offers, it’s critical to understand the policy’s coverage and exclusions. Let’s have a better understanding.

What is Covered?

The following are typical inclusions from the best travel insurance in Malaysia:

• Medical Emergencies: Take care of hospital fees, treatments, and sometimes medical evacuations if you become ill or wounded while travelling.
• Trip Interruptions or Cancellations: Protect your investment if you change your plans due to unforeseen occurrences.
• Lost or Delayed Baggage: Offering recompense for lost items and covering necessary purchases if your luggage is temporarily misplaced.
• Travel Delays: Assisting with costs incurred due to unplanned delays, such as lodging or meals.
• Personal Liability: Providing financial protection if you inadvertently cause harm or injury to someone else while travelling.
• Accidental Death or Dismemberment: A sombre but important provision offering recompense in the event of serious injury or death.

What is Not Covered?

While travel insurance provides comprehensive coverage, certain scenarios are often excluded from ordinary policies. Be mindful of the usual exclusions when navigating the best travel insurance in Malaysia offers:

• Pre-existing Medical Conditions: Treatments associated with previously known conditions may not be covered unless expressly stated.
• High-Risk Activities: Are you into high-adrenaline activities like bungee jumping or skydiving? They may require further protection.
• Conflict Areas: Travel to areas experiencing civil turmoil, conflict, or significant security threats is typically not covered.
• Irresponsible Behavior: Intoxication, for example, can render certain portions of your coverage null and void.
• Undeclared Items: If you’re transporting high-value things, you must declare them, or they may not be safeguarded.
• Visa Issues: A trip cancelled due to visa refusal or other documentation concerns are usually not covered.

What is The Best Travel Insurance in Malaysia?

• Etiqa TripCare 360 Insurance : Etiqa TripCare 360 offers complete travel protection, emphasising quick claims and broad coverage for various travel disasters.
• RHB Annual Travel Protector Insurance : RHB’s Annual Travel Protector provides all-year coverage, making it suitable for regular travellers looking for comprehensive coverage for several journeys.
• Tokio Marine Annual Explorer : Tokio Marine Explorer provides foreign coverage emphasising medical costs, travel hassles, and personal accidents.
• Pacific Travel Pro Insurance : Pacific Travel Pro tailors its plans to modern travellers, offering various solutions from basic to premium for various travel requirements.
• Zurich Z-Travel Insurance : Zurich Z-Travel provides comprehensive coverage with distinctive features such as emergency medical evacuation, allowing travellers to travel confidently.
• Allianz Travel Care : Allianz Travel Care from Allianz Bank Malaysia offers comprehensive coverage for personal accidents, medical emergencies, and travel difficulties.

Rest assured of these companies’ credibility. Aside from the best travel insurance in Malaysia, they also provide some of the best car insurance in Malaysia and e-hailing insurance .

1. Etiqa TripCare 360 Insurance

Etiqa TripCare 360 Insurance is a comprehensive travel protection package that meets various travel requirements.

It covers medical emergencies, journey interruptions, and personal injuries. It is well-known for its quick claim processing, ensuring policyholders receive timely assistance.

With global assistance available 24 hours a day, travellers may get aid no matter where they are.

Individuals, families, and groups can all benefit from the plan’s flexibility and peace of mind.

Special Highlights

• Comprehensive Coverage: Etiqa TripCare 360 is intended to provide complete coverage for various travel-related risks and accidents.
• Trip Cancellation/Interruption: Coverage for non-refundable trip expenses if your trip must be cancelled or interrupted due to covered causes such as sudden illness, injury, or certain unforeseen incidents.
• Medical Expenses: If you have a medical emergency while travelling, you will be covered for medical care, hospitalisation, and emergency medical evacuation.
• Baggage Loss/Delay: Compensation for lost, stolen, or delayed baggage, as well as coverage for critical items if your baggage is delayed for an extended period of time.
• Travel Delays: The policy will cover your lodging, meal, and transportation expenses with reimbursement should there be any travel delays over which you have no control.
• Emergency Assistance: During your journey, you can access a 24-hour helpline for medical support, travel information, and emergency services.
• Personal Liability: Coverage for legal fees and damages if you cause bodily harm or property damage to others while on vacation.
• Optional Add-Ons: Depending on the plan, you may be able to add services such as adventure sports coverage, rental car insurance, and more.
• Coverage for Pre-Existing Medical Conditions: Subject to specific circumstances, certain plans may provide coverage for pre-existing medical issues.

2. RHB Annual Travel Protector Insurance

RHB Annual Travel Protector Insurance is designed for regular travellers, covering many journeys throughout the year.

This policy protects you against medical emergencies, travel problems, and personal accidents.

Its yearly structure means a one-time payment for ongoing coverage, making it convenient for frequent travellers.

Policyholders can rely on global assistance 24 hours a day, seven days a week.

Many Malaysian travellers like it because of its extensive features and the simplicity of annual coverage.

Premiums shown are subject to a 6% service tax. Please take note that RM10 of stamp duty shall be charged.

Region 1: Malaysia (Travel from Peninsular Malaysia to East Malaysia or vice-versa only), Brunei, China, Hong Kong, Cambodia, Laos, Macao, Singapore, Myanmar, Indonesia, South Korea, Japan, Taiwan, Thailand, Vietnam, Timor Leste, Philippines

Region 2: Worldwide, excluding the United States of America (USA) and Canada.

Region 3: Worldwide, including the United States of America (USA) and Canada.

• Year-Round Protection: One subscription covers many journeys over the course of the year.
• Comprehensive Coverage: Medical emergencies, travel inconveniences, and personal accidents are all covered.
• 24/7 Global Assistance: During travels, immediate assistance is available at all times and from any location.
• Hassle-Free: The annual structure avoids renewing policies before each trip.
• Flexible Plans: There are options for both solitary and family travellers.

3. Tokio Marine Annual Explorer

Tokio Marine Annual Explorer is designed for regular travellers, providing continuous coverage for various journeys throughout the year.

On a global scale, the plan provides comprehensive coverage, including medical bills, travel hassles, and personal accidents.

Because it is a yearly policy, it provides the simplicity of a single payment for a full year of coverage, avoiding the need for several policy purchases.

Policyholders are assured of assistance in any part of the world with 24-hour international assistance.

Also, Tokio Marine’s global reputation ensures dependability and peace of mind for its passengers.

Premiums shown are subject to 6% service tax. Please take note that RM10 of stamp duty shall be charged.

• Global Coverage: International destinations are covered, giving you peace of mind.
• Diverse Protection: Medical bills, travel inconveniences, and personal accidents are all covered.
• 24/7 Assistance: Travellers can get help around the clock, no matter where they are.
• Flexible Plans: Options for many forms of travel, whether for work or pleasure.
• Reputation: Tokio Marine is a reputable insurance company that has earned the trust of many

4. Pacific Travel Pro Insurance

Pacific Travel Pro Insurance is a versatile travel protection solution designed to meet the needs of modern travellers.

The plan provides various coverage options, from basic essentials to more premium protections, for medical emergencies, travel interruptions, and personal accidents. It is designed to meet various travel needs and budgets by providing value and comprehensive protection.

The 24-hour global help assures that travellers are never alone, regardless of location.

Its plan’s flexibility makes it a top choice for travellers looking for both budget and comprehensive coverage.

• Versatile Options: Plans range from basic to luxury, providing a variety of traveller requirements.
• Broad Coverage: Medical crises, travel difficulties, and personal mishaps are all covered.
• 24/7 Global Support: Continual aid is offered for travellers, regardless of their location.
• Adaptable Plans: Designed for both solitary and group travellers.
• Affordability: Competitive pricing that delivers value without sacrificing coverage.

5. Zurich Z-Travel Insurance

Zurich Z-Travel Insurance is a well-organized package designed to address various travel issues.

Travellers can confidently travel because coverage includes medical emergencies, trip interruptions, and personal accidents.

Its standout feature is the emergency medical evacuation capability, which ensures safety in severe health conditions.

Besides, Zurich’s 24-hour global assistance strengthens the plan by providing rapid assistance whenever and wherever required.

International

Area 1: Australia, Bangladesh, Bhutan, Brunei, Cambodia, China [excluding Tibet & Mongolia (Inner & Outer)], Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam.

Area 2: Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.

Area 3: Worldwide.

• Comprehensive Coverage: Provides coverage for medical emergencies, journey interruptions, and personal calamities.
• Emergency Medical Evacuation: Ensures prompt and safe transportation during medical emergencies.
• 24/7 Assistance: Provides 24-hour global assistance for any travel-related difficulties.
• Multiple Plan Options: They cater to traveller needs, ranging from the basic to the upscale.
• Reputable Brand: Zurich’s global presence and acknowledged insurance expertise back it up.

6. Allianz Travel Care

Allianz Travel Care provides a strong travel insurance solution for people seeking comprehensive trip coverage.

The plan protects travellers from unanticipated events such as medical emergencies, travel delays, and personal injuries.

One of its distinguishing advantages is its quick claim processing, which ensures that travellers are inconvenienced as little as possible during unexpected incidents.

With global assistance available 24 hours a day, help is always available, ensuring peace of mind.

The reputable Allianz brand offers it and combines high insurance with exceptional customer care, making it a popular choice for many travellers.

• Medical Coverage: It covers up to RM300,000 for medical expenses, so you don’t need to worry about the money while getting sick on your trip.
• Travel & Luggage Delay: This insurance policy will give extra money up to RM2,000 for the Travel or Luggage delay.
• Protect Your Luggage: Allianz Travel Care can reimburse you up to RM5,000 when your luggage is lost or stolen while travelling.
• Different Options Offer: Most Malaysian insurance companies will exclude the protection of dangerous activities such as Ski, Scuba, Dive or Bungee Jump. But Allianz Travel Care allows customers to choose these activities’ protection to the insurance plan.
• Emergency Assistance: As a global insurance company, Allianz has 24/7 global support to immediately provide emergency assistance to its customers.

Choosing the best travel insurance in Malaysia is critical for a stress-free trip.

Etiqa TripCare 360, RHB Annual Travel Protector, Tokio Marine Explorer, Pacific Travel Pro, Zurich Z-Travel, and Allianz Travel Care are among the top contenders.

Each provides specific protections, ensuring that travellers’ needs are satisfied, whether frequent flyers or vacationers.

However, if it were up to me, I would choose Etiqa TripCare 360, as I am not a frequent traveller. Thus, I do not need to pay for one year of travel insurance.

The best travel insurance in Malaysia has to offer is about more than simply coverage; it’s about the peace of mind it provides.

Travellers with various plans can comfortably explore the world, knowing they are protected from unanticipated situations.

Remember that the core of a fantastic trip is found in the destination and the journey’s security and tranquillity.

**Disclaimer: This article is only offered for general informational reasons and is not meant to cover all facets of the subjects it addresses. It is not meant to be taken as legitimate insurance advice you should rely on. You must seek expert or professional advice before acting or refraining from acting based on the information in this publication. The content in this publication does not represent advice from the BizTech Community. A comparable outcome is not always assured by past performance. We give no assurances that the information in the publication is accurate, full, or up to date, either explicitly or implicitly.

Frequently Asked Questions (FAQs)

Which company is the best to get travel insurance in malaysia.

Etiqa, RHB, Tokio Marine, Pacific Insurance, Zurich, and Allianz are among Malaysia’s reputed travel insurance providers. Individual requirements frequently determine the “best” company. Many travellers prefer Etiqa TripCare 360 or Zurich Z-Travel for comprehensive coverage. You should evaluate these companies’ products to discover the greatest fit.

What is the best travel insurance in Malaysia that covers Covid-19?

As the global scenario changed, numerous Malaysian insurance companies added Covid-19 coverage to their policies. Etiqa TripCare 360, for example, includes Covid-19 coverage.

Is it ok to travel without insurance?

It is possible to travel without insurance, but it is not recommended. Travel insurance protects you from unanticipated circumstances like medical emergencies, travel cancellations, and lost luggage. Travellers who do not have it may face large out-of-pocket fees or other issues. It is best to be insured for peace of mind and financial security.

Aisha Liyana

Aisha Liyana, an expert in the Malaysian insurance market, specializes in life, health, and property insurance. Her articles, rich in...

Traveloka MY

24 Jun 2024 - 8 min read

Best Travel Insurance to Malaysia

You've got your flight ticket sorted, and now you're contemplating whether travel insurance is a necessity. While many trips go off without a hitch, it's essential to recognize that even the best-laid plans can encounter unforeseen challenges. Whether it's a flight cancellation, lost baggage, or falling ill abroad, these unexpected events can not only derail your travel plans but also lead to unexpected expenses.

Travel insurance serves as a safety net, providing financial protection against a range of potential setbacks. From minor inconveniences like lost or delayed luggage to more significant issues like requiring emergency medical care overseas, travel insurance offers peace of mind by covering these eventualities.

In essence, while you hope for the best during your travels, having travel insurance ensures you're prepared for the unexpected, allowing you to navigate challenges without the added financial burden. While you might hope for a perfect trip, it's always good to be prepared for the unexpected. Travel insurance gives you peace of mind, knowing you're covered if things don't go as planned. So, before you head out on your next adventure, consider adding travel insurance to your list of must-haves. It could save you a lot of stress and money in the long run.

Why Do I Need Travel Insurance?

While travel insurance isn't mandatory, it's a smart choice when visiting Malaysia. As a foreigner, you'll be responsible for covering all medical expenses, which can be costly without proper insurance if you fall ill during your trip.

Additionally, travel insurance offers peace of mind by providing coverage for lost, stolen, or damaged belongings, as well as reimbursement for canceled trips. If you have a pre-existing health condition, your insurance premium may be higher. Always be truthful when disclosing medical conditions to ensure your claim isn't denied. Our platform only displays quotes from insurers willing to cover declared conditions without exclusions.

For instance, Lonpac Travel Secure Gold can reimburse you for canceled flights and cover the expenses for new flights and hotel accommodations until the next available flight. Moreover, travel insurance offers global assistance. Etiqa TripCare 360 Gold provides 24-hour travel and medical assistance through its Claims Assistance Helpline.

Keep in mind that coverage benefits can vary between insurance plans. Therefore, select a plan that aligns with your needs, budget, travel itinerary, and destinations. Take the time to review the policy details and understand what you're covered for before making a decision.

How Does it Function?

Travel insurance operates on a simple yet crucial principle: you pay a premium to an insurance provider in exchange for coverage against specific risks for a predetermined period, typically your travel dates.

When you encounter an issue covered by your policy during your trip, you can file a claim with your insurance company. To do this, you'll need to provide evidence supporting your claim, such as receipts for medical treatments, reports for delayed or canceled flights, or documentation for lost or stolen belongings.

Upon receiving your claim, the insurance company will verify the details and, if approved, reimburse you for the covered amount as per your policy terms. This claims and reimbursement process ensures that you're compensated for covered losses, reducing the financial impact of unexpected events while traveling.

The Importance of Timing

While travel insurance aims to protect against unforeseen events, the timing of your purchase is critical. Consider this scenario: you've booked a trip, including flights, accommodations, and travel insurance. Unexpectedly, a tropical storm warning is issued for your destination, leading to flight cancellations and disrupting your travel plans.

If you purchased your travel insurance before the storm warning was announced, your policy would likely cover the associated costs, safeguarding your financial investment in the trip. However, if you bought the insurance after the storm warning was publicized, any losses or expenses resulting from the storm would typically not be covered under your policy.

In essence, securing travel insurance early ensures you're protected against unforeseen events that could potentially disrupt or cancel your trip, offering you peace of mind as you embark on your travel adventures.

What's the Price of Travel Insurance?

Many assume travel insurance carries a hefty price tag, suitable only for long-distance trips away from home. However, the cost isn't as steep as you might expect and varies based on factors like coverage level, trip duration, and destination. Whether you're looking for individual or family coverage, there's a plan to suit your needs.

In Malaysia, a variety of travel insurance options are available, offering different coverage tiers to accommodate diverse travel styles. Premiums can start as low as RM18.00 for individual plans like Allianz Travel Care, while family plans, such as AIG Travel Guard Standard, begin at around RM110. Annual policies, like SOMPO Travel Plus Elite, start from RM288.00 and go up from there.

For those visiting Malaysia, global travel insurance is essential. A basic policy could cost as little as £17.30 for a week-long trip.

Please note that your premium might also be influenced by your age, any existing medical conditions, and the activities you plan to engage in during your stay in Malaysia.

How to Choose the Best Travel Insurance Policy?

Travel insurance offerings differ between plans, so it's essential to tailor your choice to fit your specific travel requirements, beyond the standard coverage. For instance, if you plan to rent a car for extended journeys, you might want to opt for a policy that includes coverage for car rental excess, eliminating the need for separate coverage.

Once you've determined your coverage needs, you can set your desired premium amount. With a wide array of policies on the market, you can find one that strikes the right balance between cost and benefits, putting you in control of your insurance expenses.

For a comprehensive comparison of travel insurance options in Malaysia, visit our travel insurance page. We feature a detailed list of policies sorted by premium price, providing you with all the necessary information to make an informed decision and offering the convenience of immediate application.

List of Travel Insurance Companies in Malaysia

Understanding travel insurance can be daunting due to the technical terms used in policies. Here's a simplified guide to help you navigate through the key factors:

1. Trip Duration – Single Trip vs. Annual Plan

If you travel once or twice a year, single trip insurance is ideal. It covers you for the duration of a single trip, with pricing based on the trip length, such as 1-5 days or 6-10 days. Ensure the coverage meets your needs rather than opting for the cheapest option.

For frequent travelers or those with jobs requiring constant travel, annual plans can be more economical. Some offer discounted rates for consistent regional travel, providing coverage for unlimited trips throughout the year.

2. Travel Destination – Domestic vs. International

International Policies tend to be pricier but the cost varies based on your destination.

Domestic policies cover travel within Malaysia, while international policies categorize coverage by regions like Asia and Australia (Zone A) or worldwide (Zone B). Coverage for distant regions like Zone B tends to cost more due to increased risk. Please note that some unstable regions may be excluded from coverage.

3. Insured Persons – Family vs. Individual

Family plans generally cost more than individual plans but are more affordable than buying separate policies for each family member. Family plans cover the insured person, spouse, and children without a specific limit on the number of children. However, there's a maximum coverage amount, like Etiqa TripCare 360 Platinum. For larger family trips, consider a family or multi-traveler plan. Some plans, like Pacific Insurance Travel Pro Insurance Silver, cover seniors aged 70 and above.

Specialized plans like AIG Student Assist Superior can offer coverage for Malaysian students studying abroad. These plans include benefits for education fees due to sponsor disability or death.

4. Coverage & Exclusions

Travel Insurance usually includes coverage on accidental death or total permanent disability. Accidents can occur anywhere, and insurance can provide financial support during such unforeseen events. For instance, John, who broke his leg while traveling and ended up paralyzed, could claim his medical expenses, hotel cancellations, and additional travel costs.

You should also consider insurance that offers post-trip medical coverage. Upon returning to Malaysia, your travel insurance may not cover follow-up medical appointments due to lump-sum payments received. However, additional local medical insurance would cover these costs.

Travel Insurance Benefits During Natural Disasters or Unexpected Events

Travel insurance can be invaluable when unexpected events disrupt your trip in Malaysia. Here's how it can assist you during such situations:

Protection for Personal Belongings

While some insurance policies might exclude coverage for natural disasters like earthquakes, providers such as Etiqa and DirectAsia offer protection against lost or damaged luggage and belongings due to these events. They may also reimburse you for trip delays or cancellations resulting from such incidents. However, there are usually limits on the amount covered per item, so it's essential to review your policy details.

Coverage for Trip Disruptions

If your trip is interrupted or canceled due to unforeseen events, travel insurance can cover prepaid expenses that are non-refundable, such as flights and accommodation costs (minus any penalties). Typically, this coverage applies to cancellations made within 30 days before your trip begins.

Medical Care Coverage in Malaysia

Certain travel insurance plans, like those offered by Etiqa and DirectAsia, can cover medical expenses if you sustain injuries during a natural disaster, whether you're still in Malaysia or after returning to your home country.

The insurance company may directly settle the medical bills with the healthcare provider or reimburse a specified beneficiary. Ensure you're aware of the timeframes for seeking treatment and the coverage limits outlined in your policy. Discuss these details with your insurer to understand your coverage comprehensively.

What Travel Insurance Typically Doesn't Cover

While travel insurance offers a safety net for various unforeseen situations, there are specific exclusions to keep in mind. Here are some common scenarios where travel insurance usually does not provide coverage:

1. Pre-Existing Medical Conditions

Most travel insurance policies exclude coverage for pre-existing medical conditions. If you have a known health issue, any related complications during your trip won't be covered. For instance, if you have a heart condition and experience a heart attack while rock climbing, the expenses won't be covered.

2. Suicide or Self-Injury

Insurance policies typically do not cover medical expenses resulting from attempted suicide or intentional self-injury. If you're facing emotional distress, there are organizations like Befrienders that offer support and assistance.

3. Alcohol and Drug-Related Incidents

Expenses due to illness or injury caused by alcohol or drug consumption aren't covered. If drug abuse is involved, coverage may be denied unless taken as prescribed by a registered medical practitioner.

4. Sexually Transmitted Diseases (STDs)

Medical bills resulting from contracted STDs during travel are generally not covered by travel insurance.

5. Pregnancy, Childbirth, or Miscarriage

Complications from pregnancy, childbirth, or miscarriage are often excluded from coverage. However, some insurers, like AXA Affin Smart Traveller Plan VIP, may cover miscarriage treatment resulting from an accident.

6. Psychological Disorders

Most travel insurance policies do not cover mental or emotional disorders, including conditions like Bipolar Disorder, which are typically categorized as pre-existing medical conditions.

7. Acts of War

Travel insurance policies usually exclude coverage for losses caused by civil, political, or military unrest. While acts of terrorism and hijacking may be covered, broader conflicts or wars are typically not included.

It's crucial therefore to read your policy's terms and conditions to understand what is and isn't covered. If you have specific concerns or questions about coverage, consult with your insurance provider to clarify any uncertainties.

How to Submit a Travel Insurance Claim?

When it comes to travel insurance, you usually pay for any expenses upfront and then get reimbursed later. So, if something goes wrong during your trip and you need to claim for any damages or losses, you'll need to provide evidence of what happened and how much it cost you. The insurance company will review your claim and reimburse you based on your policy's coverage.

To start the claim process, it's important to contact your travel insurance company's 24-hour hotline as soon as possible after the incident occurs. They will guide you through the next steps and help you with the claim process. Remember to keep all receipts and documentation related to your claim to make the process smoother.

Plan Your Worry-Free Trip With Traveloka

Planning a trip to Malaysia is an exciting endeavor, filled with the promise of unforgettable experiences, from exploring bustling cities to relaxing on pristine beaches and trekking through lush rainforests. While the anticipation of a new adventure is exhilarating, it's also essential to consider the practicalities of travel preparation, including the importance of travel insurance.

Travel insurance serves as a valuable safety net, providing financial protection against a range of potential setbacks that can occur unexpectedly during your trip. Whether it's a flight cancellation, lost baggage, or a medical emergency abroad, these unforeseen events can disrupt your travel plans and lead to unexpected expenses. With the right travel insurance policy, you can navigate these challenges with confidence, knowing that you're covered for the unexpected.

Don't let the fear of the unknown hold you back from experiencing all that Malaysia has to offer. With Traveloka, planning your trip is a breeze. Explore amazing deals on flights, hotels, and activities, and find the perfect travel insurance policy to complement your itinerary. Start planning your Malaysian adventure today with Traveloka, and embark on a journey filled with unforgettable memories, knowing that you're prepared for whatever comes your way!

Also read: Let's Visit Our Friendly Neighbor, Malaysia!

Legoland Malaysia Resort

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travel prohibition to Israel is imposed by the Government of Malaysia on all Malaysia citizens. As a Malaysia citizen, if you choose “Israel” as your travel destination in our system, you must obtain all the necessary approvals/permits from the Malaysia authorities before purchasing the insurance. Your claim(s) under the insurance policy (if any) may still be subject to the applicable sanction restrictions and the Sanctions Exclusion clause applicable to the insurance policy. If you fail to obtain the necessary approvals/permits, your claim(s) may be fully or partially rejected and/or be subject to the applicable sanctions restrictions and our rights are reserved.

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All trip must commence from Malaysia except your destination is domestic.

Tips : If husband & wife only, take the individual cover.

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Malaysia Travel Insurance

Travel insurance for malaysia.

In the beautiful country of Malaysia, Batu Caves is a sight to behold with its many temples and shrines, not to mention the gigantic statue of the Hindu God. Along with the Petronas Twin Towers and other tourist attractions, travelers are sure to enjoy a trip to breathtaking Malaysia. As you plan your incredible itinerary, it is important to remember travel insurance as it can help aid and support you on your travels. Let’s dive in!

• What should your Travel insurance cover for a trip to Malaysia? 

How Does Travel Insurance for Malaysia Work?

• Do I need Travel Insurance for Malaysia? 
• How much does Travel Insurance cost for Malaysia? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Malaysia?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to malaysia.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Malaysia.

Malaysia has a reputation for being a fairly safe place to visit. However, it is important to learn which areas to avoid and practice safe traveling habits to prevent issues like pickpocketing and theft even in the safest areas. If a thief steals luggage from the baggage area, a travel insurance plan can help replace your bags and the contents inside them. Here is how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Malaysia?

While the Malaysian government does not require travelers to purchase travel insurance , it offers valuable protection in an unfamiliar area where you may not speak the language or be able to find helpful resources.

You can breathe a sigh of relief knowing that your travel insurance plan backs you up if your travel plans go awry. Why? There are several reasons:

Trip Cancellation: You may not be able to control circumstances such as bad weather, a personal emergency, or an illness that prevents you from traveling. Travel insurance may reimburse you for 100% of the cost of your trip for eligible expenses.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Interruption: Travel insurance may reimburse you for unexpected expenses due to an unexpected change of plans.

How Much Does Travel Insurance Cost for Malaysia?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is a good choice for Malaysian travelers who want the benefit of extra coverage. For example, " Cancel for Any Reason " is an optional coverage that offers greater flexibility for those who have concerns have concerns about an unexpected cancellation. The Collision Damage Waiver coverage is also available as an option. This coverage pays for damage to a rental car being used during your Malaysia trip.

Golf enthusiasts may be disappointed if their golf game gets rained out or you cannot play for some other reason at one of Malaysia’s fine golf courses or country clubs. Nonetheless, coverage is available on the Platinum Plan for Lost Golf Rounds to reimburse your fees.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Can cover illnesses such as dengue fever, tuberculosis, or food poisoning. It may also cover injuries such as a broken appendage, injury due to a fall or other injury. Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Can cover evacuation or repatriation expenses due to a non-medical event such as an earthquake, typhoon or volcanic eruption.

The Malaysian government has lifted all COVID-19 restrictions for travelers entering the country. They recommend travelers take normal precautions.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Malaysia?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3.Do Americans need travel insurance in Malaysia?

No, travel insurance is not currently required to visit Malaysia, although you may find it valuable.

4.What is needed to visit Malaysia from the USA?

If you are visiting Malaysia from the USA, all you need is a passport that is valid for at least six months. The government also requires you to have at least one full page in your passport that is blank.

5.What happens if a tourist gets sick in Malaysia?

If you become sick in Malaysia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Make a travel claim

For a smoother experience, please ensure you have followed the steps below.

How to make a travel claim

1. Download the following forms and documents to make a claim

• Travel claim form
• Medical report form (Accident)
• Medical report form (Illness)
• Direct Credit Facility form

2. Download the document checklist 

• Travel document checklist

This list of documents are not all-inclusive and additional information or documents may be required in the course of our claim review.

3. Claim submission 

Submit your claims online with the completed form and supporting documents to us via our Online Portal . 

4. Contact us

Email:   [email protected]

Toll Free Line:  1300-13-1088

Walk in/by post: 

Great Eastern General Insurance (Malaysia) Berhad

Attention to: Claims Department

Level 9, Menara Great Eastern 303 Jalan Ampang 50450 Kuala Lumpur

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