Best Travel Insurance in Malaysia

Travel can be a risky business so why take a chance? Get some insurance! With benefits ranging from 24-hour emergency cover to compensation for loss of luggage and flight delays, you’d be mad to go on holiday without a great value travel insurance plan.

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ACE Jerneh Travel Insurance Emerald Plan

ACE Jerneh Travel Insurance Emerald Plan

A carefully planned holiday is one that is secured with a travel insurance plan. Receive reimbursement for flight delays, theft, and medical expenses overseas.

Premiums
from RM10.00
Personal Accident
up toRM200000
Medical Related
up to RM250000
Travel Inconvenience
up to RM500000
Read moreApply now
ACE Jerneh Travel Insurance Ruby Plan

ACE Jerneh Travel Insurance Ruby Plan

Have instant access to 24-hour travel assistance, help is there for you at all corners of the globe. Claim for any medical bills, loss luggage, and missed connecting flights.

Premiums
from RM15.00
Personal Accident
up toRM300000
Medical Related
up to RM350000
Travel Inconvenience
up to RM1000000
Read moreApply now
ACE Jerneh Travel Insurance Sapphire Plan

ACE Jerneh Travel Insurance Sapphire Plan

This is a travel insurance that has got you covered wherever you are in the world - whether you're traveling in the middle kingdom or bush walking the Australian outback!

Premiums
from RM20.00
Personal Accident
up toRM325000
Medical Related
up to RM400000
Travel Inconvenience
up to RM1500000
Read moreApply now
AIG Travel Assist Domestic

AIG Travel Assist Domestic

A joyous getaway can turn sour quickly if you're not careful enough. From medical expenses to flight delay, get insured against the inevitable with AIG Travel Assist and worry about them no more!

Premiums
from RM19.08
Personal Accident
up toRM50000
Medical Related
up to RM20000
Travel Inconvenience
up to RM500000
Read moreApply now
AIG Travel Assist Premier

AIG Travel Assist Premier

Count on AIG Travel Assist Premier when unforeseen events happen while you're roaming in a foreign country. This travel insurance has got you well covered against loss of travel documents, luggage delay and personal accident among many other benefits.

Premiums
from RM62.00
Personal Accident
up toRM300000
Medical Related
up to RM10000000
Travel Inconvenience
up to RM1000000
Read moreApply now
AIG Travel Assist Superior

AIG Travel Assist Superior

AIG Travel Assist is more than just an insurance, travel assistance services such as travel destination weather updates, world event alert and emergency translation service are also provided and they're only a phone call away!

Premiums
from RM36.00
Personal Accident
up toRM250000
Medical Related
up to RM300000
Travel Inconvenience
up to RM1000000
Read moreApply now
AIG Travel Guard Premier

AIG Travel Guard Premier

This policy ensures that you, your business associates and employees get covered world wide, with protection for medical expenses, trip interruption, and emergency travel services.

Premiums
from RM18.00
Personal Accident
up toRM300000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
AIG Travel Guard Superior

AIG Travel Guard Superior

Make sure your most valuable employees are protected during business trips overseas. Ensure them against hijacking, personal injury, and even natural disasters

Premiums
from RM18.00
Personal Accident
up toRM250000
Medical Related
up to RM300000
Travel Inconvenience
up to RM1000000
Read moreApply now
AIG Travel Insurance Basic

AIG Travel Insurance Basic

Don't let your dream holiday turn into a nightmare! Apply for this international insurance plan to get covered worldwide, to allow for complete freedom and peace of mind.

Premiums
from RM11.00
Personal Accident
up toRM200000
Medical Related
up to RM250000
Travel Inconvenience
up to RM500000
Read moreApply now
AIG Travel Insurance Deluxe

AIG Travel Insurance Deluxe

Have the best coverage! Receive claims for medical related expenses, damaged or loss luggage, and other additional benefits with an add-on travel rider.

Premiums
from RM11.00
Personal Accident
up toRM300000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
AIG Travel Insurance Standard

AIG Travel Insurance Standard

Secure your vacation or business trip with AIG Insurance. For full medical treatment, repatriation arrangements, and round the clock travel support at your disposal!

Premiums
from RM11.00
Personal Accident
up toRM250000
Medical Related
up to RM250000
Travel Inconvenience
up to RM500000
Read moreApply now
AXA Affin Smart Traveller Annual Gold

AXA Affin Smart Traveller Annual Gold

If you are a frequent traveller, the Smart Traveller Annual plan may just be the one for you with immediate activation, comprehensive coverage and 24-hour emergency assistance wherever you are in the world.

Premiums
from RM220.00
Personal Accident
up toRM250000
Medical Related
up to RM200000
Travel Inconvenience
up to RM1000000
Read moreApply now
AXA Affin Smart Traveller Family Plan

AXA Affin Smart Traveller Family Plan

AXA Affin Smart Traveller Family Plan is made exclusively for you and your family's safety and protection. It's time to distress and treat your family for the ultimate getaway without any worries!

Premiums
from RM599.00
Personal Accident
up toRM500000
Medical Related
up to RM900000
Travel Inconvenience
up to RM3000000
Read moreApply now
SOMPO Travel Care Elite

SOMPO Travel Care Elite

Let your worries go when you're on your long awaited holiday. Berjaya Sompo Travel Care solves your travel woes by insuring you against flight delay, hospital bills, loss of personal belongings and so much more!

Premiums
from RM39.00
Personal Accident
up toRM350000
Medical Related
up to RM1050000
Travel Inconvenience
up to RM3000000
Read moreApply now
Etiqa World Traveller Care Domestic

Etiqa World Traveller Care Domestic

Traverse the parts of Malaysia you've never seen and leave all worries behind with Etiqa World Traveller Care. Whether it's luggage delay or inevitably fall sick during your journey, this policy has got the unaccounted costs covered!

Premiums
from RM15.37
Personal Accident
up toRM150000
Medical Related
up to RM500000
Travel Inconvenience
up to RM200000
Read moreApply now
Etiqa World Traveller Care Gold

Etiqa World Traveller Care Gold

Whenever you're in trouble overseas, help is just a single call away with the Emergency Worldwide Coverage Travel and Medical Assistance. Anyone up to the age of 80 can be protected.

Premiums
from RM28.00
Personal Accident
up toRM300000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
Etiqa World Traveller Care Platinum

Etiqa World Traveller Care Platinum

Have a pleasant holiday without all the worry. Apply for single trip or save time and money with an annual plan and enjoy coverage ranging from medical, loss of belongings, and terrorism.

Premiums
from RM42.50
Personal Accident
up toRM1500000
Medical Related
up to RM1500000
Travel Inconvenience
up to RM2000000
Read moreApply now
Etiqa World Traveller Care Silver

Etiqa World Traveller Care Silver

Be reimbursed for your holiday emergency expenses such as your medical bills, flight cancellation, and luggage loss. Get travel advice when you contact the 24-hour travel assistance line

Premiums
from RM16.00
Personal Accident
up toRM150000
Medical Related
up to RM500000
Travel Inconvenience
up to RM200000
Read moreApply now
Expedia Travel Insurance

Expedia Travel Insurance

Expedia will do more than getting you the best travel deals. For as low as RM15.90, have the best possible coverage for the ultimate travelling experience.

Premiums
from RM15.90
Personal Accident
up toRM750000
Medical Related
up to RM900000
Travel Inconvenience
up to RM1000000
Read moreApply now
HSBC Travelsafe

HSBC Travelsafe

A shahriah-compliant product which offers you comprehensive and affordable coverage that not only protects you, but your travel arrangements and belongings as well.

Premiums
from RM34.00
Personal Accident
up toRM300000
Medical Related
up to RM2000000
Travel Inconvenience
up to RM1000000
Read moreApply now
Lonpac Easy Travel Classic

Lonpac Easy Travel Classic

Insure your dream vacation! Brace yourself for any unfortunate event such as injury, loss of personal belongings and medical expenses with Lonpac's Easy Travel Classic.

Premiums
from RM16.00
Personal Accident
up toRM100000
Medical Related
up to RM200000
Travel Inconvenience
up to RM300000
Read moreApply now
Lonpac Easy Travel Premier

Lonpac Easy Travel Premier

Have complete peace of mind with 24-hour worldwide protection from LonPac Travel Premier. Be insured for all your medical expenses overseas for up to RM200,000.

Premiums
from RM26.00
Personal Accident
up toRM200000
Medical Related
up to RM400000
Travel Inconvenience
up to RM500000
Read moreApply now
MSIG TravelRight Plus

MSIG TravelRight Plus

Mishaps are often unexpected and can occur at any time while travelling. With MSIG TravelRight Plus, you can be assured that you are constantly protected throughout your journey.

Premiums
from RM59.00
Personal Accident
up toRM350000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
Hong Leong Mach Travel Insurance

Hong Leong Mach Travel Insurance

Receive travel coverage for your holiday and even one way cover for students. Have protection for your home against burglary, and loss or damage of belonging overseas.

Premiums
from RM39.00
Personal Accident
up toRM250000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
Maxis Travel Insurance Multiple Trip

Maxis Travel Insurance Multiple Trip

Travelling to various destinations can get out of hand, as travel documents and baggage can go missing! Get ready for these travel inconveniences and more with Maxis' Travel Insurance Multiple Trip plan.

Premiums
from RM10.00
Personal Accident
up toRM250000
Medical Related
up to RM125000
Travel Inconvenience
up to RM1250000
Read moreApply now
Maxis Travel Insurance Single Trip

Maxis Travel Insurance Single Trip

No matter where you, Maxis will provide you with complete 24-hour worldwide assistance. Whether you are on a short getaway or a last minute business trip, your gateway to protection is only an SMS away!

Premiums
from RM14.00
Personal Accident
up toRM250000
Medical Related
up to RM125000
Travel Inconvenience
up to RM1250000
Read moreApply now
Maybank Lifestyle Travel Care Domestic

Maybank Lifestyle Travel Care Domestic

A good getaway could cost more than you expect if you're not fully prepared. Protect your hard-earned savings from incidents such as falling ill while travelling, loss of money and travel documents and more with Maybank Lifestyle Travel Care Domestic!

Premiums
from RM25.37
Personal Accident
up toRM150000
Medical Related
up to RM500000
Travel Inconvenience
up to RM200000
Read moreApply now
Maybank Lifestyle Travel Care Gold

Maybank Lifestyle Travel Care Gold

Being a trill-seeker abroad welcomes a world of risks, so best be prepared! Protect yourself against any illness and injury, including compensation for loss or delated luggage bags.

Premiums
from RM38.00
Personal Accident
up toRM300000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
Maybank Lifestyle Travel Care Platinum

Maybank Lifestyle Travel Care Platinum

None should worry while on holiday. Get the protection you deserve with high coverage for overseas hospital bills, loss luggage, cancelled flight, and follow-up treatment in Malaysia!

Premiums
from RM52.50
Personal Accident
up toRM1500000
Medical Related
up to RM1500000
Travel Inconvenience
up to RM2000000
Read moreApply now
Maybank Lifestyle Travel Care Silver

Maybank Lifestyle Travel Care Silver

Don't make your next holiday memorable for all the wrong reasons! Be ready for the unexpected with benefits for overseas hospitalisation, trip cancellation, terrorism, and lots more!

Premiums
from RM26.00
Personal Accident
up toRM150000
Medical Related
up to RM300000
Travel Inconvenience
up to RM500000
Read moreApply now
OAC Travel For More Domestic

OAC Travel For More Domestic

Safeguard your loved ones and your goodself from travel woes that are beyond your control such as luggage delay, loss of personal belongings, flight delay and so much more. Travel with no worries in mind!

Premiums
from RM19.08
Personal Accident
up toRM100000
Medical Related
up to RM100000
Travel Inconvenience
up to RM7500
Read moreApply now
OAC Travel For More Plan A

OAC Travel For More Plan A

Don't let unanticipated expenses ruin your holiday or business trip! Get covered for abrupt medical bills, undesired travel itinerary alteration and even for flight cancellation.

Premiums
from RM29.00
Personal Accident
up toRM100000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM1000000
Read moreApply now
OAC Travel For More Plan B

OAC Travel For More Plan B

Your travel excitement can be put out by all the dreadful events you may encounter, from losing your passport to flight cancellation. OAC Travel For More is here to help you out of such tragedy and get you back on your travel mood!

Premiums
from RM40.00
Personal Accident
up toRM300000
Medical Related
up to RM1000000
Travel Inconvenience
up to RM60000
Read moreApply now
RHB Travel Lite Insurance Plan 1

RHB Travel Lite Insurance Plan 1

Enjoy your travels, wherever you are as RHB takes care of you with the Travel Lite insurance plan. Providing compensation for accidental death, bodily injury or illness and travel inconveniences during your trip.

Premiums
from RM8.50
Personal Accident
up toRM100000
Medical Related
up to RM100000
Travel Inconvenience
up to RM5000
Read moreApply now
RHB Travel Lite Insurance Plan 2

RHB Travel Lite Insurance Plan 2

Be ready for all circumstances when you travel abroad or locally with RHB Travel Lite Insurance. Keep your wallet safe from expenses that are unaccounted for when you fall terrible ill or encounter tragic events.

Premiums
from RM8.00
Personal Accident
up toRM100000
Medical Related
up to RM100000
Travel Inconvenience
Not covered
Read moreApply now
Takaful IKHLAS Kembara Plus Takaful-Hajj & Umrah

Takaful IKHLAS Kembara Plus Takaful-Hajj & Umrah

Ensure your safety and protection plans are in place when you make a Hajj and/or Umrah trip for enlightenment. Take your whole family with you on this journey under the care of Takaful IKHLAS.

Premiums
from RM47.50
Personal Accident
up toRM20000
Medical Related
up to RM10000
Travel Inconvenience
up to RM750
Read moreApply now
Takaful Ikhlas Kembara Plan A

Takaful Ikhlas Kembara Plan A

Keep your worries at bay and be protected with Takaful Ikhlas. This Shariah compliant travel policy offers 24 hour travel assistance and a comprehensive coverage plan.

Premiums
from RM3.00
Personal Accident
up toRM10000
Medical Related
up to RM2500
Travel Inconvenience
up to RM50000
Read moreApply now
Takaful Ikhlas Kembara Plan B

Takaful Ikhlas Kembara Plan B

It can be dangerous to travel alone, especially in a new and foreign land. This Islamic insurance plan will provide high coverage against any injuries and losses while overseas.

Premiums
from RM5.00
Personal Accident
up toRM20000
Medical Related
up to RM5000
Travel Inconvenience
up to RM100000
Read moreApply now
Tokio Marine Travel Partner Domestic

Tokio Marine Travel Partner Domestic

Your luggage can be easily lose out of sight when you are travelling even locally. Tokio Marine Travel Partner Domestic insures you of such incidents along with accidental death and permanent disablement among other things.

Premiums
from RM15.90
Personal Accident
up toRM150000
Medical Related
up to RM15000
Travel Inconvenience
up to RM500
Read moreApply now
Tune Insure AirAsia One-Way Travel Protection

Tune Insure AirAsia One-Way Travel Protection

A travel protection plan exclusively designed to offer protection and peace of mind for guests who have purchased a one-way flight from AirAsia or AirAsia X online.

Premiums
from RM10.60
Personal Accident
up toRM300000
Medical Related
up to RM25000
Travel Inconvenience
up to RM5000
Read moreApply now
Tune Insure AirAsia Return Travel Protection

Tune Insure AirAsia Return Travel Protection

Tune Insure has got your back covered with a travel protection plan specially designed for guests who have purchased online a return flight from AirAsia or AirAsia X.

Premiums
from RM26.50
Personal Accident
up toRM200000
Medical Related
up to RM300000
Travel Inconvenience
up to RM500000
Read moreApply now
Tune Protect Annual Travel Easy (duplicate)

Tune Protect Annual Travel Easy (duplicate)

A Travel Protection Plan that is a comprehensive insurance plan designed specifically for the needs of an Individual and a Family who will be travelling domestically or internationally

Premiums
from RM79.00
Personal Accident
up toRM300000
Medical Related
up to RM1500000
Travel Inconvenience
up to RM1000000
Read moreApply now
Uni.Asia TravelStar

Uni.Asia TravelStar

Even the best laid travel plans go awry. TravelStar offers a wide range of protection coverage during your travels and can save you a substantial amount of money in the event of unforeseen circumstances.

Premiums
from RM32.00
Personal Accident
up toRM250000
Medical Related
up to RM300000
Travel Inconvenience
up to RM1000000
Read moreApply now

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What You Need To Know About Travel Insurance

 

best travel insurance malaysia

What Is Travel Insurance?

Booked your flight ticket and wondering if it is absolutely necessary to buy travel insurance? In most cases, your travels will go as planned without a glitch. However, we all know that even a well-planned trip can be ruined by factors not in our control, like a cancelled flight, lost luggage, or getting seriously ill in a foreign place. It’s bad enough that your plans are ruined, you’ll also end up having to literally pay for these misfortunes!

Travel insurance is an insurance policy that offers financial compensation from travel-related mishaps. These include everything from lost, damaged, or delayed luggage, to significant ones like emergency medical treatment abroad.

Best Travel Insurance Malaysia Offers:

  1. Allianz Travel Care Travel Insurance

  2. SOMPO Travel Plus Basic Travel Insurance

  3. SOMPO Travel Plus Elite Travel Insurance

  4. Zurich TravelPAC Silver Plan Travel Insurance

  5. AXA Affin Smart Traveller Plan Classic Travel Insurance

  6. Pacific Insurance Travel Pro Insurance Silver Travel Insurance

  7. AIG Student Assist Classic Travel Insurance

  8. AIG Student Assist Premier Travel Insurance

How Does Travel Insurance Work?

Buying a travel insurance policy means you pay a premium to the insurance company to be covered against specific events for a fixed time period (i.e. your travel period).

Travel insurance usually functions on a claims and reimbursement basis. You need to file a claim to the insurance company, which will then reimburse you for the amount you are covered for. To file a claim, you will have to submit proof of whichever event you are claiming for (delayed flights, lost luggage, medical treatment receipts, etc). The insurance company will then get it verified and reimburse you according to what your purchased travel insurance policy covers.

Travel insurance is designed to cover unforeseeable events. However, the timing of your travel insurance purchase is crucial.

Let’s say you’ve made plans to travel to a destination and made the necessary reservations and payments including travel insurance. Suddenly, an announcement is made that a tropical storm will hit your destination during your travel dates, resulting in flight cancellations and rendering all reservations and bookings you’ve made for the trip burned. But, since you bought travel insurance before the announcement of the storm, you will be covered for all costs of the holiday. If you bought travel insurance after the storm was announced, you won’t be covered for any storm-related losses whatsoever.

How Much Does Travel Insurance Cost?

Many people would think that travel insurance is expensive, or something to only buy when travelling to a country far from your home. However, the price of travel insurance isn’t as pricey as most people think, and really depends on several factors such as the coverage amount, duration, and destination. You can also opt for individual or family travel insurance plans.

Malaysia has a wide range of travel insurance policies with varying levels of coverage to cater to different types of travellers. As such, the prices for the premiums also have a large range, 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). There’s also an option for annual travel insurance policies which starts from RM288.00 (SOMPO Travel Plus Elite) and above.

Why Should I Get Travel Insurance?

Having travel insurance is like having a safety net to make sure that you’re covered financially if something goes wrong while you’re traveling. With travel insurance, you will receive financial compensation to help you for things like buying a new flight ticket, or for medical care overseas, which is usually costly. All things considered, travel insurance offers substantial benefits that outweigh the premiums you pay.

Travel insurance such as Lonpac Easy Travel Classic can reimburse you for your cancelled flight, as well as the costs to purchase new flight tickets, and even hotel rooms until the next available flight! Additionally, travel insurance not only protects but can also assist you wherever you are in the world. Etiqa TripCare 360, for example, provides Claims Assistance via its 24-Hour Travel and Medical Assistance Helpline.

It is important to note that the benefits covered by your travel insurance policy may vary by plan. So, be sure to choose a plan that fits your needs, budgets, travel plans and destinations. Do spend some time to read the fine print and coverage definitions (policy wording) until you understand what you are actually covered for.

How to Choose A Travel Insurance Plan?

The technical jargons found in insurance policies can be overwhelming and confusing, so here is a guide to help you understand some of the commonly used terms:

  • 1.Duration of travel – Annual Plan or Single Trips
  • 2.Destination – Domestic or Overseas
  • 3.Number of Insured Persons – Individual or Family
  • 4.Coverage & Exclusions – What is Covered and Not Covered?

#1. Duration of Travel – Single Trip vs. Annual Plan

What Is Single Trip Travel Insurance?

If you go on holiday once or twice in a year, single trip travel insurance policies would be the right option for you! Single trip travel insurance covers you per trip for the duration of your holiday. Insurance companies usually charge based on duration blocks, such as 1-5 days, 6-10 days and so forth up to a full 30 days. Some policies only last for 30 days at a time, while others can be extended with subsequent one-week blocks.

What’s great is that single trip travel insurance is the most affordable way to get financially protected. Just be sure to check that it offers enough coverage for your trip and belongings instead of opting for the cheapest one possible!

Would I Save More Money with An Annual Travel Insurance Plan?

Yes – you can save money on travel insurance if you are a serial traveller or have a job that requires you to travel constantly. Some annual insurance policies offer special rates if you are only buying for coverage to the same region. So instead of buying single trip travel insurance each time you book a holiday, annual travel insurance plans will allow you to enjoy protection for unlimited trips throughout the year.

#2. Destination – Domestic vs. Overseas

Is Overseas Travel Insurance Policies More Expensive?

Yes – the cost of travel insurance is highly dependent on where you are traveling to.

While Domestic Travel Insurance covers travel between both Peninsular and East Malaysia, International Travel Insurance has its coverage divided by regions. For example, Region A could include a selection of Asian countries while Region B considers all other countries worldwide. Naturally, premiums for coverage in Region B would be more expensive due to the distance.

However, it is important to note that not all countries worldwide will be covered. Insurers minimize risk by excluding coverage for countries that are currently experiencing civil war or any other forms of social instability.

#3. Number of Insured Persons – Family vs. Individual

 

Are Family and Individual Packages Priced Differently?

Yes, the family package is usually significantly more expensive than the individual package – but is also significantly cheaper than buying individual policies for the whole family.

Unlike the Individual package where it offers coverage for only one person, the family package is designed to cover the insured person, his/her spouse, and/or their children. There is generally no limit as to how many children can be insured but there is a maximum coverage amount under the Family Package (Etiqa TripCare 360).

Will My Parents and Immediate Family Members Be Covered too?

If you are planning a huge family trip, it is advisable for you to buy either a family package or multiple traveller package. Some travel insurance such as Pacific Insurance Travel Pro Insurance Silver also offer coverage for Senior Citizens aged 70 years old and above.

How About Students Who Travel to Study Abroad?

There are travel insurance plans designed specially for Malaysian students who study abroad. For example, AIG Student Assist Superiortravel insurance offers comprehensive coverage for students who travel overseas to pursue their education. Other than basic coverage for personal accidents, medical and travel inconveniences, travel insurance for students offer pay-outs to cover the costs of education fees due to death or disability of an education sponsor.

A travel insurance plan designed for students provide at least an umbrella of coverage in case of an emergency and while waiting for their parents to help them out.

#4.Coverage & Exclusions

What Does Travel Insurance Cover?

1. Accidental Death or Total Permanent Disability

Accidents can and do happen while you’re on holiday and it is traumatic, especially when you are in a foreign country.

Example: John broke his leg while traveling and ended up paralyzed.

John has purchased travel insurance. Can he make a claim?

Yes. He should be eligible to receive a one-time lump sum payment for his disability as well as coverage for all his hospital fees. His travel insurance will also cover any hotel cancellations, additional flight bookings and other travel rearrangements.

John has returned to Malaysia. Will his travel insurance cover follow-up medical appointments?

Unfortunately, no. Due to the one-time lump sum payments he has received, his travel insurance might not cover the costs of these medical appointments in Malaysia. However, John will be able to make a medical insurance claim if he has purchased local medical insurance on top of his travel insurance.

What if John has both Travel Insurance and International Medical Insurance? Can he get paid twice for his disablement?

First and foremost, it is considered insurance fraud to receive insurance payment for the same item/event from more than one insurance policy. John will only be able to make claims from the first purchased insurance policy.

How Does Travel Medical Insurance Work?

Travel Medical Insurance is a sub-section of a travel insurance policy which covers only the medical expenses incurred in the event of any accidents or illnesses while traveling. It does not have coverage for lost luggage, flight cancellation or delays and other travel inconveniences which the other sections of a travel insurance policy would cover. Travel Medical Insurance is affordable but is rarely offered in Malaysia on its own.

Medical Expenses Arising from Accident or Illness

The probability of falling sick is higher when you are travelling due to differences in temperature, environment, food and water. If you get seriously sick or hurt in another country, your travel insurance will cover your medical bills. Furthermore, some travel companies also provide around the clock 24-hour telephone assistance. You could use this helpline to locate the nearest medical facility and more.

Do note that travel insurance policies usually function on reimbursement basis where it is a “pay first, claim after” policy. This means that you have to foot the medical bills first, then submit your claim to the insurance company once you return to Malaysia. However, some travel insurance offer cashless hospitalization, such as Etiqa TripCare 360 Takaful. Cashless hospitalization means that the insurer will provide guarantee letter with just one phone call to their hotline so that you can be admitted to hospital without having to fork out any payment from your own pocket. Every insurance policy is different, so do read your insurance policy terms carefully.

Emergency Medical Evacuation and Repatriation

In the event you get seriously sick or hurt overseas and you need to be taken via helicopter or other emergency transportation to the nearest hospital due to the lack of appropriate care and facilities – you’re looking at a very hefty medical bill. But if you purchase a travel insurance policy that has such coverage, the travel insurance will cover for this cost. However, it is important to read up on your insurance policy terms as in most cases, travel insurance such as AXA Affin Smart Traveller Annual Gold require the insurer to be contacted in advance and the insurer also reserves the right to decide on the hospital to which you shall be transported to.

Unplanned Travel Inconveniences

We all know how a delayed or missing luggage can ruin your holiday! If your checked-in luggage is missing for more than a day, you will need to buy extra clothes, toiletries and many more. That’s a lot more unexpected expenses you’ll need to fork out, and you most probably already have set these sum of money aside for tours and food instead!

Travel insurance is designed to financially cover all travel-related inconveniences like delayed / lost luggage and more, such as loss of travel documents, cash, credit cards, and even loss of deposit due to hotel cancellation or overbooking. Other than that, you will also be covered if you missed your flight or you need excess coverage in relation to your rental car (Allianz Travel Care).

Emergency Trip Cancellation (Pre-Departure)

If you develop a nasty viral infection a day or two prior to your trip, it would mean that you have to cancel your trip. Not every travel insurance policy will cover pre-departure trip cancellations. For policies that cover such as AIG Travel Assist Superior, they may require you to visit a doctor before cancelling the trip. If you happen to fall sick on the day of departure itself, you are required to visit the doctor not more than 72 hours after the cancellation. Insurance companies will always want to see proof that the insured person had exhausted all options prior to making the decision in cancelling the trip.

What Doesn’t Travel Insurance Cover?

There is always a list of exclusions that travel insurance will not have coverage for. We have highlighted some of the instances where you will most likely not be covered for by travel insurance:

 

  • 1.Pre-Existing Medical Conditions

This is the most common exclusion you will find in most travel insurance policies. Simply, you will not be covered for any health problems you currently have. For example, if you have an existing heart problem and you go on a rock-climbing trip. In the unfortunate event that you experience a heart attack during the rock-climbing activity, any treatments you receive because of the heart attack will not be covered under the travel insurance.

  • 2.Suicide or Self-Injury

Travel Insurance policies have no coverage for attempted suicide or intentional self-injury. Insurers have the right to not pay-out for hospital or medical bills due to the exclusion for care in the case of suicide or self-injury. On a serious note, there are various suicide prevention programs such as the Befrienders who are available and willing to hear you out and help you deal with the problems you have.

  • 3.Involvement of Alcohol and Drugs

There will not be any reimbursement if any illness or injury is caused by alcohol and/or drugs consumption. In cases of drug abuse, the insurer reserves the right to not cover if it is found that drugs are not taken in accordance with treatment prescribed by a registered medical practitioner.

  • 4.Sexually Transmitted Diseases (STDs)

If you have contracted a sexually transmitted disease directly or indirectly during your travel, the travel insurance provider will not provide pay-out for any medical bills that follow.

  • 5.Pregnancy, Childbirth or Miscarriage

Most travel insurance provider will not cover for complications arising from pregnancy, childbirth or miscarriage. However, there are a few insurers such as AXA Affin Smart Traveller Plan VIPthat would reimburse in some instances like miscarriage treatment due to injury as a direct result of an accident.

  • 6.Psychological Disorder

Mental and Emotional Disorders are not covered by most travel insurance. These disorders such as Bipolar Disorder is usually listed as one of the pre-existing medical conditions which makes it clear that there won’t be coverage.

  • 7.Acts of War

This could be easily confused as acts of terrorism and hijacking, which are actually widely covered by travel insurance policies. What this exclusion really means is that the insurance provider will not cover for any losses caused by civil, political, or military unrest.

How To Make A Travel Insurance Claim?

Do remember that travel insurance policies almost always function on a reimbursement basis. To get compensated for your loss or damages, you will have to submit proof of your losses, then the insurance company will get it verified and reimburse you according to what your purchased travel insurance policy covers.

That said, you must make sure that you contact your travel insurance’s 24-hour hotline service as soon as the incident takes place.

How Do I Find the Right Travel Insurance Policy?

Travel insurance policies vary by plans. A great place to start is to focus on specific items which are important for your travels (apart from the standard coverage a travel insurance policy would provide). For example, if you are going to be renting a car for long road trips, you may want to consider buying a travel insurance plan that covers car rental excess charges so that you do not have to buy this cover separately.

Next, you can decide on how much premium you want to be paying. With a diverse range of policies available, you have room to select one that has the best balance between cost and coverage. So the cost of insuring your trip is entirely up to you.

To find and compare the best travel insurance plans available in Malaysia, you can check out our travel insurance page, where we have an extensive list of travel insurance policies available which is sorted by premium price. On top of that, we provide you with all the details you need to know and option to apply for travel insurance right away too!

Can I Cancel My Policy?

Insurers usually allow cancellation of the travel insurance at any time by giving them written notice. Termination will become effective on the date the notice is received or on the date specified in the notice, whichever is later. There usually won’t be any refunds, nonetheless it is subjected to the terms and conditions of the travel insurance.

Travel Insurance Glossary

Accident – A sudden unforeseen and fortuitous event.

Certificate of Insurance – A certificate, which is issued after the applicable premium have been paid.

Premium – Payment which shall be deemed proof of the insurance coverage provided under this policy.

Child/Children – Unemployed and unmarried person under the age of 18 years old or up to 23 years old, if he/she is studying full-time in a recognized institution of higher learning.

Common Carrier – Any licensed registered public transportation services for people who travel as fare paying passengers in vehicles as listed below:

a) Airport limousine, bus, coach, taxi, ferry, hovercraft, hydrofoil, ship, train, tram or underground train; and

b) Any certified fixed-wing aircraft operated by a licensed airline or Chartered Flights and helicopters operating only between established and recognized commercial airports or licensed commercial heliports. javascript:;

Epidemic – Any contagious disease outbreak which is classified by the World Health Organization (WHO) or Malaysia’s Ministry of Health.

Family – This refers to You, Your legal spouse and any number of Your legal Children insured under the same Certificate of Insurance.

Hijack – Any unlawful violence and control of a public transportation from the regular crew.

Home Contents – All belongings, household fittings and fixtures you, your family and your domestic helper who is permanently residing with you own (not your landlord’s). This exclude deeds, bonds, bills of exchange, promissory notes, cheques, travellers’ cheques, securities for money, documents of any kind, cash, currency notes.

Illness – This refers to the event when you get sick while traveling and shall exclude any Pre-Existing Medical Condition.

Immediate Family Member – This refers to Your spouse, Child, son-in-law, daughter-in-law, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law.

Injury – This is when you got yourself injured because of an Accident, excluding any Illness or Medical Disorder.

Loss of Limb – Severe physical loss of a hand at or above the wrist or a foot at or above the ankle.

Loss of Sight – Total and irreversible loss of sight.

Medical Practitioner – A qualified, licensed and registered western medical practitioner who practice within the scope of his/her licensing and training in the geographical area of practice.

Mountain Sickness – This refers to an event also known as Acute Mountain Sickness (AMS), altitude Illness, hypobaropathy or soroche which is a pathological effect of high altitude on humans, caused by acute exposure to low partial pressure of oxygen at high altitude.

Natural Disaster – This refers to an event which is due to natural causes and that has catastrophic consequences.

Overseas – Destination outside of Malaysia.

Overseas Travel – Travel either for leisure or business purpose to any destination outside of Malaysia.

Period of Insurance – Period specified in the Certificate of Insurance.

Permanent Total Disablement – Injury which lasted continuously for 12 calendar months from the date of Accident, in which entirely prevents employment or any hope of recovery.

Pre-Existing Medical Condition – Existing condition where you have received medical treatment within 12 months prior to the effective date of your travel insurance policy.

Serious Injury or Serious Illness – This refers to when you require medical treatment in the hospital and certified by a Medical Practitioner as unfit to travel or continue with your planned trip.

Trip – The journey once you leave your house or office (whichever is later) to the airport in Malaysia for your flight to your intended destination. Remember to start your journey not more than 24 hours prior to booked departure time and that the trip ends on whichever of the following that occurs first

  • a)The expiry of the Period of Insurance specified in the Certificate of Insurance;
  • b)Return to your home or office (whichever is earlier) in Malaysia; or
  • c)24 hours after arrival in Malaysia

Travel Agent – Licensed and registered travel agent in Malaysia with the relevant authorities.

We/Our/Us/Insurer – this refers to the travel insurance company.

You/Your/Insured Person – this refers to the Insured Person(s) shown in the Certificate of Insurance.

Hopefully, this article helped you learn more about travel insurance and in finding the best travel insurance in Malaysia.