Best Annual Plan Travel Insurance in Malaysia

Frequent travellers benefit big time. Save on your insurance premiums and apply for an annual or multi-trip travel policy that covers domestic and international destinations. Enjoy unlimited trips and protection for the whole year.

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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.

from RM220.00
Personal Accident
up toRM250000
Medical Related
up to RM200000
Travel Inconvenience
up to RM1000000
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What is an Annual Plan Travel Insurance?

Annual plan travel insurance is designed for frequent travellers who go on several trips per year - yes, it covers unlimited trips in a year. The duration of cover for an annual plan is one year, in which you need to renew your insurance cover annually.

Do note that the maximum length for each overseas trip is usually around 90 consecutive days and each domestic trip is 60 consecutive days (vary by policies). So plan ahead to know how much traveling and the duration per trip you will be having in the year.

Annual plan is more convenient because you only need to purchase travel insurance once a year and for an unlimited number of trips. What’s better, you will never have to worry about travel insurance when you spontaneously decide to go on a last minute trip!

What are the coverages?

It is a year-long travel insurance plan that gives you the optimal insurance coverage. An annual plan would typically provide coverages such as :

Medical Expenses

Annual plans reimburse surgical or hospital charges and emergency - treatment charges incurred as a result of accidental bodily injuries or death, illness during the trip. Other benefits usually include follow up treatment, funeral expenses, compassionate care and child care benefit.

Remember to always inform your insurance provider about any pre-existing medical conditions for a more accurate coverage.

Accidental Death and Permanent Disablement

In an unfortunate event where you get hurt during the trip and permanently disabled as a result, you are covered under your travel insurance and is eligible to make a claim. You will be reimbursed with a one-time lump sum payment for your disability as well as coverage for all your hospital fees.

Travel Inconveniences

In case there is a delay in travel (including cancellation and curtailment) or late arrival of baggage (including stolen, lost or damaged), you will be reimbursed for the unexpected costs for accommodation, travel costs incurred and purchase of essential items such as toiletries and clothing.

Emergency Medical Evacuation and Repatriation

An annual plan also covers the expenses for emergency medical evacuation when there is an event of untimely death while traveling overseas.

This benefit will not only cover for any costs incurred during the transportation of your (insured) mortal remains, will also take care of the repatriation process all the way. 

Some of the Best Annual Plan Travel Insurance

We have compiled some of the best annual plans - but it is only our opinion. We encourage you to compare a variety of travel insurance plans on our travel insurance page.

On our Annual Plan Travel Insurance page, we have an extensive list of annual plans with details you need to know and option to apply for travel insurance right away too!

Allianz Travel Care

Allianz Travel Care is big on personal accident insurance and they definitely ensure that its travel insurance has great coverage too! The plan covers the following:

  • Accidental Death & Permanent Disablement Due to Accident
  • Medical Expenses
  • Emergency Medical Evacuation and Repatriation
  • Reimbursement of Deposit or Trip Cancellation
  • Travel Inconveniences such as Travel Delay, Curtailment, Cancellation and Baggage Delay, Stolen, Lost or Damaged.
  • Loss or Damage to Personal Luggage, Personal Effects and Travel Documents
  • Optional addition of Sports coverage

Etiqa TripCare 360

Etiqa TripCare 360 and TripCare 360 Takaful provide you with the best of both worlds - in terms of coverage and affordability. Their plans give you greater protection on its medical and travel inconveniences with affordable premiums, so you can reap greater protection with reasonable prices!

Etiqa ensures that you have minimal and cashless expenditure when you are being treated while on vacation with daily hospital income benefit amongst others. Also, you will have medical coverage and follow-up treatments that you might require when you get back home to Malaysia. You can additionally opt for additional coverage for adventurous sport activities.

What’s best about Etiqa is that they offer RM100 for a 2-hour flight delay with NO claims needed - real-time compensation. You can enjoy instant application, approval and quick claims with Etiqa when you apply online!

AIG Travel Guard

AIG travel insurance essentially made for everyone with plans ranging from Deluxe, Standard, Basic and Domestic. 

AIG’s Travel Guard Deluxe offers a whopping payout amount of RM1,000,000 on medical expenses hence making AIG the most expensive travel insurance plan at RM95. If medical expenses is an important coverage for you, you may want to consider buying this.

If you love to travel and you do travel frequently - for business or pleasure, don’t let pesky travel inconveniences ruin your trip! Start your whole year coverage with unlimited trips today, with the right type of travel insurance. Compare and buy best annual plan travel insurance policies in Malaysia here.