Buy Etiqa Travel Insurance Online in Malaysia 2024

Etiqa Travel Insurance Covers Your Biggest Worry When Traveling

Etiqa Travel Insurance is a set of travel insurance products offered by Etiqa, one of the biggest insurance companies in Malaysia. It includes "Etiqa TripCare 360" and "Etiqa TripCare 360 Takaful" categories of insurance plans, both consisting of 3 different plans: Silver, Gold and Platinum.

When comparing travel insurance plans, it is not about who is the cheapest one anymore but who has the most value for your money.

What’s so great about Etiqa travel insurance?

If you want to buy travel insurance online, Etiqa is known for its fast and easy online application process. All you need to do is provide your travel information, choose your plan and make the payment. That’s not all, you will get a rebate on your travel insurance online purchase.

Apart from an online application, Etiqa is also efficient at customer claiming process. You can get your medical or travel insurance claim on the same day with minimal paperwork required.

Moreover, you will have access to overseas hospital admission without using your own money through Etiqa Cashless Medical Care. All you need is a Guarantee Letter for accident or illness and a phone call to 24/7 Travel Assistance Helpline.

And last but not least, all Etiqa’s plans pay you RM100 for a 2-hour flight delay (which is most likely going to happen), while most travel insurances capped at minimum 6-hour flight delay.

How much does Etiqa travel insurance cost?

Believe it or not, an Etiqa travel insurance policy is not as expensive as you might think. The most basic plan costs as much as you would pay for a set meal at hipster cafes.

The premium for each plan will be different depending on several factors:

Maximum sum covered per person: The higher the benefit amount, the more expensive the premium gets
Person(s) travelling: Individual, Senior Citizen, Individual & Spouse, Family
Area of travel: Area 1 (Domestic), Area 2 (selected Asian countries), Area 3 (Worldwide excluding Nepal, USA and Canada), Area 4 (Worldwide)
Duration of travel: The longer you plan to travel, the higher the premium will be.

What countries are covered under Etiqa travel insurance?

Area 1 (Domestic)	Malaysia
Area 2 (selected Asian Countries)	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.
Area 3	Worldwide excluding Nepal, USA and Canada.
Area 4	Worldwide including Nepal, USA and Canada.

For Muslims who are going to perform Umrah, you will need to select Area 3 as your coverage area when purchasing an insurance plan.

How many plans are offered under the International trip?

Etiqa travel insurance plan can be used for both domestic and international trips. Under its international trip, you have 3 plans to choose from: Silver, Gold and Platinum.

Etiqa TripCare 360

Etiqa TripCare 360 Takaful

What benefits are covered under Etiqa travel insurance?

Etiqa travel insurance offers 7 sections of benefits such as follows:

Section A: Personal Accident
Section B: Medical Expenses
Section C: Travel Inconveniences
Section D: Losses or damages to baggage, personal effects, personal money and/or travel documents
Section E: Personal Liability
Section F: Emergency Services
Section G: Adventurous Activities (Optional)

Bear in mind that Etiqa does not cover and offer pre-existing conditions benefit. Therefore, any medical expenses incurred due to pre-existing health conditions during your overseas trip will be solely funded by you, or your personal medical card.

You also need to take into account some of the general exclusions to avoid your claim being rejected.

Etiqa travel insurance plans and benefits comparison.

Knowing what you really need from a travel insurance policy can be tricky because you cannot expect what situation you may stumble upon later, whether there is or not. Do yourself a favour by asking important questions such as follows:

What is my biggest worry when travelling?

Some people worry that they may fall sick overseas, thus medical coverage is of utmost priority. There are others who despise travel inconveniences such as flight delay and lost baggage.

It’s common to overpay something you don’t need for excluding benefits that you might need. To make it simpler, you can look back at your travel histories, or reading up news about the country you’re going to visit, or asking your friends or colleagues about their travel experiences.

How much do I need to get protected?

Not all insurance plans are created equal in terms of coverage and benefit amount. To decide which is the best plan for you goes back to your needs and budget.

Person(s) travelling	Individual
Area of travel	Area 2 (selected Asian countries)
Plan	Silver	Gold	Platinum
Single Trip No. of Days: 1 – 5	RM21.40	RM38.55	RM46.15
Annual Plan	RM163.05	RM265.80	RM351.55
Adventurous Activities (optional)	RM18.60	RM55.75	RM92.90

Example of contribution based on Individual and Geographical Area 2

Based on the table of contribution above, the Silver plan is undoubtedly the cheapest travel insurance from Etiqa for International trip. A Silver plan, however, does not cover some benefits such as Trip Cancellation and Curtailment, which may be important to you.

Another way of deciding how much protection you need is by looking at the amount of payout that you will receive after a certain period instead of the maximum benefit amount. Imagine for every 6-hour flight delay you get paid RM250. Do you think it is worth waiting for to maximise the benefit coverage amount?

Should I buy a single trip or an annual trip?

Unlike other insurances, travel insurance gives you the freedom to insure for a single trip or for an annual trip. For a frequent traveller, an annual trip can save you a lot and minimize hassle, whereas a single trip can be taken up 6 hours prior to your international departure.

Your travel insurance certificate commences on the day of departure up to 90 consecutive days for overseas travel or 30 consecutive days for domestic travel.

Does Etiqa travel insurance provide Haji coverage?

Unfortunately, no. Etiqa TripCare 360 Takaful does provide Umrah coverage under Area 3.

Can a non-Malaysian apply for Etiqa travel insurance?

Everyone can apply for Etiqa travel insurance with a condition that all departures and arrivals must be from and to Malaysia. One-way trip is not allowed within Etiqa TripCare 360 and Etiqa TripCare 360 Takaful.

How to make a claim from Etiqa?

All claims arising from medical expenses, personal accident, travel inconveniences, and loss or damage to valuable items can be made within 24 hours to 30 days after arrival.

There are 3 channels you can submit your travel insurance claims to Etiqa:

Online claim at Etiqa website
Email to [email protected]
WhatsApp to +6019-650 7931

Please refer to your insurance policy / Takaful Certificate for more information on Claims Notification, Procedure and Settlement.

Who can I contact for emergency assistance while overseas?

You can call Etiqa travel insurance Travel Assistance Helpline at +603-2161 0270 for any inquiries any time of the day.

What is the difference between Etiqa TripCare 360 and Etiqa MHInsure?

The main difference between Etiqa TripCare 360 and Etiqa MHInsure is that the former can be applied via RinggitPlus at discount price, whereas the latter is offered via Malaysia Airlines.