Best Overseas Travel Insurance in Malaysia

Check prices for international travel insurance and takaful, apply online and get a quote for overseas single trip and annual travel policy.

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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.

Premiums
from RM220.00
Personal Accident
up toRM250000
Medical Related
up to RM200000
Travel Inconvenience
up to RM1000000
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Enjoy Your Overseas Trip, Let Travel Insurance Takes Care the Rest

What is Overseas Travel Insurance?

Overseas travel insurance is specially designed to provide financial protection when you encounter unexpected events or accidents while travelling overseas. Whether it’s a business trip, three-day music festival or backpacking throughout Europe, the premium that you pay is depending on your travel duration and the area of your destination. Is it within Asia, Europe or America?

We strongly recommend you to buy insurance once your trip is confirmed as the plan includes coverage for unexpected events before, during and after the trip. For example, you’ll get financial support if you suddenly have to cancel your holiday because of illness, lost your passport during traveling or get some medical treatments when you’re back in Malaysia.

One of the most important things before buying overseas travel insurance is to check if the policy offers coverage for your travel destination. In some cases, “Worldwide Coverage” doesn’t mean that your travel insurance policy works in every country as there are some countries excluded from the plan. 

Usually, the excluded countries are (but not restricted to): Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan and Zimbabwe.

What Does Overseas Travel Insurance Cover?

In general, travel insurance provides financial protection on three sectors: Personal Accident, Medical-related events and Travel Inconveniences. For example:

  • Accidental death
  • Permanent disability
  • Medical expenses
  • Follow-up treatment
  • Compassionate visitation
  • Emergency medical evacuation & repatriation
  • Baggage delay
  • Trip curtailment
  • Credit card indemnity
  • Loss of money and/or travel documents
  • Personal liability

What Doesn’t Overseas Travel Insurance Cover?

Most insurance policies have certain exclusions that are not covered under the plans. Some of the common exclusions that your travel insurance might not cover are:

  1. Pre-existing medical condition
  2. Alcohol and drug abuse
  3. Suicide and self-harm
  4. Sexually Transmitted Diseases (STDs)
  5. Pregnancy, childbirth or miscarriage
  6. Psychological disorders
  7. Acts of war

Individual vs Couple vs Family, Which Overseas Travel Insurance Should I Get?

Couple and family have higher premium compared to individual overseas travel insurance but don’t be put off! It’s definitely cheaper than buying individual package for each person. Furthermore, the coverage that you get will be extended to your partner and family members.

Overseas Travel Insurance Malaysia 2019

Travel Insurance

Premium (from)

Medical Expenses

Accidental Death & Permanent Disability

Baggage Delay

Loss of Travel Documents

Trip Curtailment

AXA Travel Insurance

Individual: from RM35


Family: from RM88

Individual: up to RM300,000


Family: up to RM900,000

Unlimited

Individual: up to RM800


Family: up to RM2,400

Individual: up to RM7,500 


Family: up to RM22,500

Individual: up to RM20,000


Family: up to RM60,000

Etiqa Takaful Travel Insurance

Individual: from RM34.90


Couple: from RM66.65


Family: from RM87.30

Individual: up to RM300,000


Family: up to RM750,000

Up to RM1,000,000

Individual: up to RM1,000


Family: up to RM2,500

Individual: up to RM1,000


Family: up to RM2,500

Individual: up to RM 20,000


Family: up to RM50,000

Berjaya Sompo Travel Insurance

Individual: from RM39


Family: from RM98

Individual: up to RM350,000


Family: up to RM1,050,000

Unlimited

Individual: up to RM800


Family: up to RM2,400

Individual: up to RM5,000


Family: up to RM15,000

Individual: up to RM15,000


Family: up to RM45,000

Tune Insurance

Individual: from RM35


Family: from RM99

Individual: up to RM300,000


Family: up to RM900,000

Individual: up to RM500,000


Family: up to RM1,500,000

Individual: up to RM1,000


Family: up to RM3,000

Up to RM5,000

Individual: up to RM18,000


Family: up to RM54,000

AIG Travel Insurance

Individual: from RM45


Family: from RM110

Up to RM250,000

Unlimited

Individual: up to RM750


Family: up to RM2,250

Up to RM3,000

Individual: up to RM10,000


Family: up to RM30,000

Chubb Travel Insurance

Individual: from RM32


Family: from RM78

Up to RM300,000

Medical evacuation: unlimited


Repatriation: up to RM250,000

Individual: up to RM400


Family: up to RM1,200

Up to RM2,500

Up to RM15,000

Tokio Marine Travel Insurance

Individual: from RM33


Family: from RM82

Individual: up to RM300,000


Family: up to RM900,000

Up to RM1,000,000

Individual: up to RM800


Family: up to RM2,400

Individual: up to RM5,000


Family: up to RM15,000

Individual: up to RM20,000


Family: up to RM60,000

Zurich Travel Insurance

Individual: from RM30


Family: from RM60

Individual & Couple: up to RM150,000


Family: up to RM450,000

Up to RM1,000,000

Individual & Couple: up to RM400


Family: up to RM1,200

Individual & Couple: up to RM3,750


Family: up to RM11,250

Individual & Couple: up to RM10,000


Family: up to RM30,000

MSIG Travel Insurance

Individual: from RM39


Family: from RM87

Up to RM300,000

Up to RM1,000,000

Up to RM800

Up to RM5,000

Up to RM18,000

RHB Travel Insurance

Individual: from RM39


Family: from RM91

Up to RM300,000

Up to RM10,000,000

Up to RM1,000

Up to RM7,500

Up to RM30,000

Special Coverage for Different Types of Traveller

Everyone has different travel style, needs and bucket list. Are you planning to do bungee jumping at the Bloukrans Bridge (South Africa), the highest commercial natural bungee jump in the world? Are you going on a business trip and would love to bring your golf equipment along? Or maybe the area of your hotel is hit by a hurricane thus you need to find new accommodation?

Rest assured, there are overseas insurances that provide special coverage to answer your needs such as extreme sports, golf equipment benefit and emergency accommodation. 

Overseas Travel Insurance

Special Coverage

Citibank SmartTraveller Annual Platinum

  • Golf equipment
  • Substitution cost
  • Quarantine (Pandemic Influenza)

Zurich TravelPAC Gold Plan

  • Extreme sports (50% coverage)
  • 17 Infectious diseases
  • Chartered flight (scheduled)

Allianz Travel Care

  • Pet hotel
  • Rental car excess
  • Natural disaster

QBE TravelOn Super Cover

  • Terrorism
  • Alternative employee expenses
  • Insolvency of travel agent

Kurnia Travel Supreme Plan B

  • Rental vehicle excess
  • Emergency accommodation
  • Emergency mobile phone fees

So, you are ready for your next trip, but have you bought the right insurance plan yet? Compare and buy the best overseas travel insurance here.