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Travel insurance is a package policy which provides financial protection for unexpected events that affects your travel plans. Travel insurance is not compulsory, however, with this package policy, you can travel in peace without having to worry about any travel inconvenience.
These are the common covers/benefits covered by travel insurance:
Personal accident benefits such as accidental death or permanent disablement
Medical benefits such as medical expenses reimbursement, medical evacuation, child care benefit, compassionate visit and etc.
Travel inconvenience benefits such as trip cancellation, loss of baggage & personal effects, baggage delay, travel delay, and atc.
Home care benefits
Travel assistance services
Some policies will provide more or less coverage than others, so it is best to read the terms and conditions to have a more detailed reading on the coverages provided.
These are the major exclusions for travel insurance:
Acquired Immune Deficiency Syndrome (AIDS) or Human Deficiency Virus (HIV)
Any consequential loss or damage
War, act of foreign enemy, radioactivity, nuclear, chemical or biological materials.
Pregnancy, childbirth, and miscarriage
Pre-existing medical conditions
Alcohol and drug abuse
Suicide and self-harm
Some policies have other exclusions aside from what has been mentioned above.
The best time to get travel insurance is when you make your first payment for your trip. When you buy travel insurance right after you have made your first payment, you will be able to get longer coverage in the event that you have to cancel your trip at any moment. You can even buy your travel insurance before you book for your trip. The earlier you book, the better the coverage.
These are the general age to apply for travel insurance:
Child: 30 days old to 17 years old
Adult: 18 to 75 years old
For adults, some travel insurance policy allows age from 16 to 80 years old to apply for the policy.
Single trip travel insurance plans are meant for individuals, and families that require coverage for a single holiday. Your holiday must not exceed 180 consecutive days to be entitled for a single trip travel insurance plan.
Annual travel insurance plan are meant for individuals, and families that travels frequently. Your holidays must not exceed 90 consecutive days to be entitled for an annual travel insurance plan.
The travel cancellation will begin after 24 hours of the payment made to the travel insurance company. Other travel coverage will begin once you have arrived at the airport.
You will be able to extend your travel insurance policy for up to 30 days from the expiry date of your insurance if you are prevented from returning back from your journey due to an injury or illness covered under the policy.
You will not be able to make any add-ons if you are overseas. You must be in Malaysia to make any changes or upgrades.
You will not be able to buy travel insurance once you have started your journey, You must always purchase your travel insurance before starting your journey to be covered.
Contact your travel insurance company as soon as possible to inform them regarding the emergency
Complete the claims form provided by your travel insurance company
Submit the claims form and any relevant documents needed by mail, fax or email to your travel insurance company
Your travel insurance company will take approximately 3 to 10 working days to process your claim
After your claim has been process and approved, your reimbursement will take approximately 5 to 10 working day
The documents you will need to provide to make a claim are:
Personal identification documents
Completed claims form
Relevant medical documents
Relevant airline notification
Relevant receipts and invoices
However, different types of claims require different documents. So be sure to check what type of documents are required for the type of claim you want to make.
If you wish to cancel your travel insurance policy, you will have to give a 30 days written notice to the insurance company regarding your cancellation. For single trip travel insurance plan, you will not be entitled to any refund of premium once the policy is issued. For annual travel insurance plan, you may be entitled to a certain amount of refund of premium.
If you wish to change your contact details, you will have to email or call your respective travel insurance company.