Single Trip Travel Insurance Malaysia

by The RinggitPlus Team

RinggitPlus

What is Single Trip Travel Insurance?

Single trip travel insurance is a travel insurance plan that covers a one-off trip, which is to and from a specific destination. It could be a domestic trip or an overseas trip, however, the premium for overseas single trip travel insurance will be higher than that of domestic.

In general, this travel insurance provides financial protection for up to 30 days. Should you wish to extend your holiday for more than 30 days, you’ll be able to extend your insurance per weekly and there will be an additional charge for that.

Who Should Buy This Insurance?

If you don’t travel often, this insurance is your best option. This is because you just have to pay for a specific trip, therefore, you will save more money. 

On top of that, you will have more flexibility to choose a destination area in a single trip travel insurance compared to an annual trip travel insurance. For example, a domestic annual trip travel insurance doesn’t cover areas outside Malaysia, therefore, you need to buy a new overseas single trip travel insurance.

Pay Attention to Your Destination Area When Choosing Travel Insurance

Travel insurance is not a one-size-fits-all protection plan. Its benefits, coverages and premiums are tailored to meet the unique circumstances of a coverage area. But as a general rule of travel insurance, coverage areas are divided into Domestic, Asia and Worldwide. For example:

Domestic - within Malaysia

**Asia - Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Maldives, Myanmar, Pakistan, Philippines, Sikkim, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor Leste, and Vietnam

**Worldwide 1 - excluding US and Canada

**Worldwide 2 - excluding Cuba, Iran, Syria, North Korea

**The coverage areas may vary from one insurer to another for an International trip. Please refer to the product brochure for more information.

Let’s look at this hypothetical situation:

Ali is going to Thailand for a semester break. He has purchased a single trip travel insurance plan from Insurer A and has selected Asia as his coverage area prior to his departure. In the middle of his trip, he has to visit his uncle in Australia for a few days, which he has met with an unexpected accident. He is not qualified to make a claim under his policy as the country he is visiting his uncle is not part of his coverage area.

It is also important to look at the term “Single Trip” from different insurers as some insurers allow you to travel to multiple destinations.

Is the Coverage for Domestic and Overseas Single Trip Travel Insurance Same?

You will need to read the coverage thoroughly as it will be different for every insurer and the plan they offer. Some travel insurance companies only provide basic medical expense and travel inconvenience coverage while others offer a more comprehensive plan. 

On the flip side, travel insurance with basic coverage has a lower premium such as SOMPO Travel Plus Basic and Etiqa TripCare 360 Silver. If you feel comfortable travelling with minimum protection, it shouldn’t be a problem! It all depends on your needs and budget.

Compare Domestic Single Trip Travel Insurance Malaysia

Travel Insurance

Premium (from)

Medical Expenses

Baggage Delay

Travel Delay

Tune Insurance

Individual:

from RM14


Family: 

from RM30

Individual & Child:

up to RM25.000


Family:

up to RM 75,000

Individual:

up to RM200

Family:

up to RM600

Individual:

up to RM600


Family:

up to RM1,800

Etiqa Travel Insurance

Individual:

from RM14.70

Couple:

from RM28.10

Family:

from RM35.25

Individual:

up to RM50,000


Family:

up to RM125,000

Individual:

up to RM500

Family:

up to RM1,250

Individual:

up to RM100

Family:

up to RM250

Allianz Travel Insurance

Individual:

from RM15


Family:

from RM35

Individual:

up to RM15,000


Family:

up to RM45,000

Not covered

Individual:

up to RM1,000


Family:

up to RM2,000

Berjaya Sompo Travel Insurance

Individual:

from RM18


Family:

from RM43

Individual:

up to RM100,000 


Family:

up to RM300,000

Not covered

Not covered

MSIG Travel Insurance

Individual:

from RM41.34

Family:

from RM92.22

Up to RM30,000

Up to RM400

Up to RM400

Compare Worldwide Single Trip Travel Insurance Malaysia

Travel Insurance

Premium (from)

Medical Expenses

Medical Evacuation & Repatriation

Baggage Delay

Loss of Travel Documents

Trip Curtailment

Kurnia Travel Insurance

Individual:

from RM43

Family:

from RM104

Individual:

up to RM150,000

Family:

up to RM 450,000

Up to RM500,000

Individual:

up to RM500

Family:

up to RM1,500

Individual:

up to RM1,500

Family:

up to RM7,500

Individual:

up to RM10,000

Family:

up to RM30,000

Zurich Travel Insurance

Individual:

from RM55


Family:

from RM146

Individual & Couple:

up to RM300,000

Family:

up to RM900,000

Up to RM1,000,000

Individual & Couple:

up to RM800

Family:

up to RM2,400

Individual & Couple:

up to RM 7,500

Family:

up to RM22,500 

Individual & Couple:

up to RM20,000


Family:

up to RM60,000 

AIG Travel Guard Standard

Individual:

from RM83


Family:

from RM330

Up to RM250,000

Unlimited

Up to RM1,500

Up to RM3,000

Individual:

up to RM10,000


Family:

up to RM30,000

Etiqa Travel Insurance

Individual:

from RM83.10


Family:

from RM209.35

Individual:

up to RM500,000


Family:

up to RM1,250,000

Up to RM1,500,000

Individual:

up to RM2,000

Family:

up to RM5,000

Individual:

up to RM1,500

Family:

up to RM3,750

Individual:

up to RM50,000


Family:

up to RM125,000

Chubb Travel Insurance

Individual:

from RM68

Family:

from RM168

Unlimited

Unlimited

Individual:

up to RM800

Family:

up to RM2,400

Up to RM5,000

Up to RM50,000

Can I Cancel My Single Trip Insurance?

You can cancel your insurance plan provided you’ve given them a written notice. Please note that you won’t be able to receive any refund of the premium once you’ve canceled the travel insurance policy.

If you're confident with your travel plan and even booked the flight ticket, wait no more! Compare and buy the best single trip travel insurance here.

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