Compare Best Travel Insurance in Malaysia 2018 - for Smart Travellers

Looking for the best travel insurance coverage in Malaysia? Compare various packages for a single trip or an annual plan with unlimited travel coverages. Get a free quote now!

Popular Travel Insurance Plans

Come checkout some of our most popular travel plans.

Features
  • Automatic Extension for Period of Insurance of up to 30 days
  • Liability Protection
Benefits
  • Travel Inconvenience Benefits
  • Medical & Other Related Benefits
Recommended
  • Rental Car Excess Cover
  • Emergency Telephone Charges
Features
  • Coverage for 17 Infection Disease
  • Protection for Amateur Sports
Benefits
  • Coverage for Acts of Terrorism and Hijacking
  • Follow-up treatment in Malaysia
Recommended
  • Outdoor sports enthusiast

Frequently Asked Questions (FAQ)

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.

  • Personal liability

  • 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

  • Travel itinerary

  • Boarding passes

  • Baggage information

  • Relevant medical documents

  • Police report

  • 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.